36 Burst results for "Twenty Thousand Dollar"

Fresh "Twenty Thousand Dollar" from Reality TV RHAP-ups: Reality TV Podcasts

Reality TV RHAP-ups: Reality TV Podcasts

00:18 min | 14 hrs ago

Fresh "Twenty Thousand Dollar" from Reality TV RHAP-ups: Reality TV Podcasts

"I don't know I just feel like the way that things. And especially like the age which you've already seen you know and we're gonNA see the veto but like age was so lame and I hate those ones are just so boring watch like it's just like there's like. There's no anything to it. It's like I don't. I don't like to play mini golf on my own and I definitely don't like to watch people do it I looked golf I don't know it's not for me. Maybe you're just into golf I'm not into golf so. It. Just it just doesn't interest me at all, and then the fact that there was just like is available. I don't know it's. I guess. I. Liked the idea that they had the option chip Hick. Going for the prize or loaded up parts. That but I usually light to for data for the ten thousand. I. Love the fact we we didn't even talk about this. I just love the fact that he totally bamboozled Enzo just went straight to the ten thousand right on the first warning. I was expecting to go and then once he was out, then I could have gone for the thousand dollars like once the nominees out then I could have gone for a Davidson that I'm going for. Now. You just you just know that Enzo is just like twenty thousand dollars could have had this week..

Golf Enzo Chip Hick
Donald Trump 'paid $750 in federal income taxes in 2016 and 2017'

World News Tonight with David Muir

04:40 min | 1 d ago

Donald Trump 'paid $750 in federal income taxes in 2016 and 2017'

"We begin tonight with that bombshell report on President trump at his taxes the election just thirty six days away now, and this is the most extensive reporting yet on the matter reporters at the New York Times revealing, they have examined eighteen years of president trump's taxes eleven of those years they report president trump paid no federal income taxes at all and the year he won the White House they say he paid seven hundred fifty dollars in federal income taxes the same the following year. That's about the same amount of American worker earning twenty thousand dollars a year pace federal income taxes seven hundred, fifty dollars. The Times points of those eleven years in which trump paid no federal income taxes at all and the Times also reporting that the president is hundreds of millions of dollars in debt more than four, hundred, twenty, million, they say in debt that could come do over the next four years if he's elected leading new questions, who is that money Oh to? Of course, all of this just twenty four hours before the first face to face debate between president trump and Joe Biden here's our chief White House correspondent Jonathan Karl leading off tonight. On the eve of the first presidential debate, the American public is getting what's been described as the first detailed look at one of Donald Trump's most closely guarded secrets, his tax returns in its Blockbuster Report The New York Times reviewed detailed information on nearly two decades. Worth of trump tax returns. The details are startling trump paid no federal income taxes at all in eleven of the eighteen years they review. Twenty sixteen the year he won the White House trump reportedly paid only seven hundred and fifty dollars for a first year in office. He again paid just seven hundred, fifty dollars seven hundred fifty dollars is roughly the federal income tax bill of someone who makes twenty thousand dollars a year at the White House the President insisted the Times report was not accurate well, first of all, I paid a lot a lot of state income taxes too but state and federal income taxes are two different things the president built his brand and his campaign on being a business genius with the MIDAS touch have great business sense I made a lot of money and I had great success. So I've had great success by the way really successful but the Times reports the trump businesses including his golf courses and resorts are actually awash in red ink. His Washington hotel reportedly lost fifty five point five, million dollars since it opened for years ago his foreign ventures according to the Times are among the few that have actually made money since he became president more than seventy, three, million dollars some of the most profitable countries with authoritarian leaders including the Philippines and Turkey when trump ran for president the first time he insisted he was loaded with money and had almost no debt whatsoever anybody I don't need that very interesting. I'm so liquid I don't need that and if I need but the Times reports the president is actually drowning in debt including more than four hundred, twenty, one, million dollars that could come do over the next four years the paper noting that if trump is reelected quote, his lenders could be placed in the unprecedented position of wing whether to foreclose on a sitting president today the president tweeted he has very little debt compared to the value of assets. He has repeatedly said his tax returns are under IRS audit it's. They've been underwater for a long time. The IRS does not treat me. Well, the newspaper reports the IRS is in fact investigating a seventy two point nine, million dollar tax refund the president received in two, thousand ten and whether he took improper deductions, the times found trump took tax deductions for money spent on his lavish lifestyle including seventy thousand dollars on hairdressers during his time on the apprentice and more than ninety five, thousand dollars for vodka trump's makeup artist. The President says he is entitled like everyone else to depreciation and tax credits. Refused to turn over his tax returns but he's also bragged about his ability to avoid paying taxes. The only years that anybody's ever seen where a couple of years when he had to turn them over to state authorities when he was trying to get a casino license and they showed he didn't pay any federal income tax so. Eight zero that means zero for troops. The Biden campaign points out that most voters do pay taxes releasing an ad today highlighting working class people who have paid more federal income tax than the self described. In the White, house.

Donald Trump President Trump The New York Times White House Joe Biden IRS Chief White House Corresponden The Times Jonathan Karl Midas Washington Turkey Philippines
Trump paid no income taxes in 10 out of 15 years beginning in 2000

World News Tonight with David Muir

04:40 min | 1 d ago

Trump paid no income taxes in 10 out of 15 years beginning in 2000

"Begin tonight with that bombshell report on President trump at his taxes the election just thirty six days away now, and this is the most extensive reporting yet on the matter reporters at the New York Times revealing, they have examined eighteen years of president trump's taxes eleven of those years they report president trump paid no federal income taxes at all and the year he won the White House they say he paid seven hundred fifty dollars in federal income taxes the same the following year. That's about the same amount of American worker earning twenty thousand dollars a year pace federal income taxes seven hundred, fifty dollars. The Times points of those eleven years in which trump paid no federal income taxes at all and the Times also reporting that the president is hundreds of millions of dollars in debt more than four, hundred, twenty, million, they say in debt that could come do over the next four years if he's elected leading new questions, who is that money Oh to? Of course, all of this just twenty four hours before the first face to face debate between president trump and Joe Biden here's our chief White House correspondent Jonathan Karl leading off tonight. On the eve of the first presidential debate, the American public is getting what's been described as the first detailed look at one of Donald Trump's most closely guarded secrets, his tax returns in its Blockbuster Report The New York Times reviewed detailed information on nearly two decades. Worth of trump tax returns. The details are startling trump paid no federal income taxes at all in eleven of the eighteen years they review. Twenty sixteen the year he won the White House trump reportedly paid only seven hundred and fifty dollars for a first year in office. He again paid just seven hundred, fifty dollars seven hundred fifty dollars is roughly the federal income tax bill of someone who makes twenty thousand dollars a year at the White House the President insisted the Times report was not accurate well, first of all, I paid a lot a lot of state income taxes too but state and federal income taxes are two different things the president built his brand and his campaign on being a business genius with the MIDAS touch have great business sense I made a lot of money and I had great success. So I've had great success by the way really successful but the Times reports the trump businesses including his golf courses and resorts are actually awash in red ink. His Washington hotel reportedly lost fifty five point five, million dollars since it opened for years ago his foreign ventures according to the Times are among the few that have actually made money since he became president more than seventy, three, million dollars some of the most profitable countries with authoritarian leaders including the Philippines and Turkey when trump ran for president the first time he insisted he was loaded with money and had almost no debt whatsoever anybody I don't need that very interesting. I'm so liquid I don't need that and if I need but the Times reports the president is actually drowning in debt including more than four hundred, twenty, one, million dollars that could come do over the next four years the paper noting that if trump is reelected quote, his lenders could be placed in the unprecedented position of wing whether to foreclose on a sitting president today the president tweeted he has very little debt compared to the value of assets. He has repeatedly said his tax returns are under IRS audit it's. They've been underwater for a long time. The IRS does not treat me. Well, the newspaper reports the IRS is in fact investigating a seventy two point nine, million dollar tax refund the president received in two, thousand ten and whether he took improper deductions, the times found trump took tax deductions for money spent on his lavish lifestyle including seventy thousand dollars on hairdressers during his time on the apprentice and more than ninety five, thousand dollars for vodka trump's makeup artist. The President says he is entitled like everyone else to depreciation and tax credits. Refused to turn over his tax returns but he's also bragged about his ability to avoid paying taxes. The only years that anybody's ever seen where a couple of years when he had to turn them over to state authorities when he was trying to get a casino license and they showed he didn't pay any federal income tax so. Eight zero that means zero for troops. The Biden campaign points out that most voters do pay taxes releasing an ad today highlighting working class people who have paid more federal income tax than the self described. In the White, house.

Donald Trump President Trump The New York Times White House Joe Biden IRS Chief White House Corresponden The Times Jonathan Karl Midas Washington Turkey Philippines
Staying Confident In The Airplane

The Finer Points - Aviation Podcast

06:44 min | Last week

Staying Confident In The Airplane

"And what I want to address this podcast and I'm hearing a lot of things like Jason I, got my private a year ago I flew pretty regularly for a few months but you know life. And just not flying as much as I wanted to, and I'm starting to lose that confidence I. Don't feel like I wanNA, take my kids up or my wife because I don't feel confident if something happens up there that I can deal with it or at least deal with it is sharply as I did the day after my check reading. So I've gotten a few versions of that story and I WANNA talk to you about how you can do this how you can stay proficient and you can stay confident and you don't have to spend a fortune to do it and I think there are three main points that I wanna make in small tweaks you might have to make to your flying. But the first one is in, you know how close this is to my how hard the standardization the idea that you can ritualized you're flying. And then remember like rehearse remember and perform the ritual of flying and so all you really have to remember is that ritual and what the ritual is designed to do is to weed out the possibility of thousands of other smaller mistakes from happening I'm great example there is the final walk around on a preflight, right. If you just remember to do the final walk around on a preflight, you might catch tomorrow on the nose wheel cinderblocks blocks on the tail Pito Tube cover. Fuel caps left off seatbelts hanging out of the door baggage compartment opened I mean I, you go on and on and on with the things that you might catch. Simply. By remembering to walk around the airplane after the preflight. Okay and that goes deep. If you want a very detailed version of all of the soap's the standard operating procedures that I teach, those are all in my book setting the standard. But that is one concept that will add huge beer flying. This is an I didn't make this operate. This is the way the professional pilots do it because they've got money in the game they've got a business, they have to take care of one of their pilots crashes. It can't be game over right not only that as you've heard me say the company's survived the accident typically. So the company has a chance to evolve develop a procedure that will prevent the. Pie The from any other pilots for making the same mistakes and they can force compliance with that procedure. That's huge. That's the whole process, and if you can get yourself to do that, you are miles ahead of the game. All right. That's one thing we'd like to ritualized the flying, and the second thing is getting rid of this idea that you go back every two years for what they used to call a biennial flight review or a flight review that is not. Enough that is not regularly. You're not going to regularly enough if you're going back every two years and the pros know this to right how often do the pros go back? I heard you say it every six months, right. So if you're a professional pilot, every six months, you go back with your instructor. Back to the training environment and you go through the ringer right you practice all of the emergency procedures, all of those things that you might need if someday. You're you're in a situation where you have an incident? You've got your family on board right and all of this training inspires confidence. So this is the feeling of confidence in the airplane comes from doing it regularly and feeling confident that you can handle the edge cases if they come up. I'm so what most people do just to kind of get US summarized here three point two when most people do is they get their pilot certificate they here. Okay. I have to get a flare view maybe they go get a new club checkout and then that's it right and then they're out flying with their friends and their kids and their wife and two years ago by nothing boy I better go get a flight review that is not a way to inspire confidence. That is not a way to feel good about what you're doing. In the pros know that. and. So the last thing I'd like to say is this is the part where we get into. This is the third point where we get into the budget. Is that there's been a lot of evidence to suggest that if you just keep your head in the game right back in the day they see if you read flying magazine or you re Flight Training magazine those are still great ideas by the way. But in today's world you've got youtube and you've got APPS late ground school and you've got you know ah so many different ways to stay engaged with aviation. And I always tell students when they come in to train. The typical question is how much is this gonNa cost me I don't. Generally answer that question as a complete daughter a mount I won't say, well, this certificate certificate is GonNa cost you fifteen thousand dollars or twenty thousand dollars. If you really pin me down on it, I will say it will cost you anywhere from fifteen to twenty five, thousand dollars. There's a ten thousand dollar. Window there depending on how prepared you are when you show up for lessons how regularly fly how busy you are all that sort of stuff. But that's not even the important part. The important part is that you really think about flying more like a monthly expense more like a habit. So when a student comes in and says or perspective, Stephen Comes in and says, I'm thinking about flying how much is this gonNa cost me I will usually say how much can you afford each month? Right? Is this something you can. Afford. To put fifteen hundred dollars a month into or is it something you can only afford to five hundred dollars a month into is something you can put an unlimited amount of money anti right I mean I just have no idea where you're coming from but the important part is you're starting to think about it like a habit that you're taking on and you're never gonNA stop. So you have this monthly expense for flying. Now, let's take A. Relatively for flying a relatively modest budget. Let's see we have seven hundred dollars or eight hundred dollars a month that we feel as though we can spend on flying right it doesn't sound like a lot when you consider your CFI's probably one hundred dollars an hour on the airplane while it's running. Over one hundred dollars an hour. So you're out there spending on, let's say, let's just pick numbers. Let's say the airplanes one hundred and fifty dollars an hour and you go out for one point five keep it keep it. You know easy math that's two hundred, twenty, five dollars right? One, fifty plus seventy, five, two, hundred, and twenty, five dollars plus your CFI you're together with your. Maybe. Instead of one point five year together for two hours it's another two hundred dollars. So we're looking at four hundred and seventy five dollars we're looking at. If you do one lesson a month after your certificate, you're spending four hundred and seventy-five bucks. You've left yourself with a budget of about three hundred, fifty dollars maybe a short two hour flight somewhere with your family. But you've flown twice in the month right and that's the way you need to think about the finance part of it think about it as as a monthly expense and try to allocate how much you're spending each month a little bit toward training and

Flying Magazine Jason I Pito Tube Instructor Stephen Flight Training
How to Not Have a Lost Decade

Money For the Rest of Us

04:13 min | 2 weeks ago

How to Not Have a Lost Decade

"Welcome money for the rest of this is a personal finance show on money how it works how to invest it and live without worrying about it. We host David Stein today's episode three, fourteen it's titled Don't have a lost decade. Recently, got an email from a new plus member. He says he's treating the material on the website like an online college course but he had a question he wrote that he's approaching a crossroad in his life and he would like to prepare himself for that crossroad. He works at one of the Best Public Gardens in us as a horticulturalist he's been there three years makes forty three thousand dollars per year has four weeks of vacation full healthcare and Hsa they have a four zero three. B. Defined contribution plan where he gets a six percent match his boss enjoy working with him and he enjoys his job. This member also has his own business, a lifestyle business providing premium horticulture services for high end properties. He started in two thousand nineteen gross four thousand dollars and anticipate grossing twelve thousand dollars this year he has no debt. The only thing he owns he says, that is worth. Any money is an old pickup truck that's worth about three thousand. Is roughly eighteen thousand, five hundred dollars in his defined contribution plan and using the online tools on money for the rest of US plus. That, he's on track to retire in his early sixties. y'All says about two thousand dollars in a savings account pays two percent and about fifteen hundred dollars in a wealth front Robo Advisor. Account. He's living on about eighteen to twenty thousand dollars a year. After contributing to is defined contribution plan and health savings account, he brings home about twenty, eight, thousand dollars but that doesn't include is overtime bonuses or the work in his business. After taxes and contribution he estimates that he's bringing home about thirty, five, thousand dollars with everything, which means potentially he could save fifteen to seventeen thousand dollars per year and certainly ten thousand dollars per year. He writes for the first time in my life I'm not living paycheck to paycheck am planning for the future. The business I own. Now as a hobby passion, I turned profitable. It has been a great space for me to learn and have done a lot of just that but it ultimately is a glorified landscaping business. What they really want to own is a retail nursery that one day will become an event, an education centre as well. I turned thirty two months. I thought at this point I would go beyond an entry level position. I thought I would own my own house and maybe own a business full-time. Those goals seem so far away. The question I want to pose to you is, how do I get from where I am today to owning a five to ten acre property that can use to develop into my next lifestyle business as soon as possible Had An additional investment question that address in a few minutes. I he's not in an entry level position. He is a master, her cultures he's studied it. He learned a lot of those skills working at an organic farm and Tasmania. Got, his university degree. He was admitted to a professional horticulture program at the Public Garden where he works, he is very, very skilled in all aspects of landscape design and gardening. and. There are a lot of people that would be very envious that he has his amazing job working in horticulture and one where he can listen to a lot of podcast which he does. In order to answer question I want to compare to couples I know I've known for about a decade. This particular members approaching thirty. He's looking out over the next decade. What has to happen so that he doesn't have a lost decade and can reach goals I'm positive he can reach his goals.

David Stein United States HSA Public Garden Advisor GOT Tasmania
Should I ask my dad to invest in my business?

The $100 MBA Show

05:00 min | 2 weeks ago

Should I ask my dad to invest in my business?

"Survey S Should I get my dad to invest in my business or should I ask him to invest my business? I say, I like to point out that it's good that you actually say invest. An investment means he's going to get a percentage of the company in return for the twenty thousand dollars you're looking for. And this is not a loan. This is not like loan me twenty grand and I'll pay you back. Your father will be a part of the company, Meaning Hill own part of it. It may not be a controlling stake, but he will own a good portion of it. especially the fact that you haven't started your company really doesn't have much value because. You don't have anything to show yet because you haven't sold the APP, you have made money from customers been made. Any revenue has showed any kind of traction to say, Hey, this company is worth X. amount of dollars right now is just the hopes that the just purely on the concept and the idea that you actually give him a return on investment. So the first thing I want to say that if you're going to approach her dad for investment, you have to seem as an investor and not your dad, which means you getting to present him the business just like you see presenting on shark tank right and what does the first thing they ask on shark tank all The sharks to ask the same question. Every time somebody does a presentation to go through the whole presentation things like that. The first question they ask is how many units have you sold? How many sales have you made a money Jimmy revenue they want to know do people actually want while you're selling the market value this product because the investor that's all they really care about this. This thing have legs have the potential to grow. Their opinion really doesn't matter. It's the market's opinion that matters. So you're not in that position right now where you can actually give numbers and proved that people want what you have, and that means you need to give up more equity to get the money. So think about the value of your company right now it doesn't really have much value because you're not selling anything you know have nothing in your hands it you don't have anything created, but what will it be in the future If it somewhat successful, it's really hard for you to tell because you don't have any data. But even if you say in two years, the company is going to be worth one, hundred, thousand dollars. In order for an investor to want to make money, they're to want to at least double their money. Okay. That means they won't forty thousand dollars in return for their investment of twenty thousand dollars. That means they're going to at least forty percent of the company. If you're uncomfortable with all of this, then my advice us a try to bootstrap your business much as possible you some of your savings grow as you can think of the minimal viable version of your APPs. You can get idea validation for a skin product market fit get some customers. Make some revenue see this has legs first before you actually try to raise capital because it's a lot easier to raise the money. When you have a working product when you have sales when you have customers, we can say, hey, people like this you know and it's making money and here my projections. But right now you don't have any of that data. So. If you're willing to part with, you know a big percentage of your company. Then go ahead and get an investment from your father and doesn't matter if your father anybody else that is an option if you're willing to part ways with that large chunk of percentage whatever that is if you still feel like you, WanNa bootstrap you WANNA raise some. Money try to see if you really need twenty grand how much is the bare minimum you need to star this thing to have it off the ground maybe it's not twenty maybe it's ten years, five thousand dollars and five thousand dollars can be earned right. You can actually hold off on launching this product and save five grand after a few months. Of living a little frugally. If you absolutely have to take alone five thousand dollars is a whole lot better than twenty in terms of what you're gonNA pay an interest. But if you do want approach your father and you feel like you'd like to have a part of the business. There's nothing wrong with mixing family with business as long as it's clear expectations are what everybody's getting in the deal. You don't want any sour grapes later on, you want people to feel like that. They got what they asked for what they they knew they were getting into. This is why it's important for you to be open and honest with your dad if you're going to approach him and as well as pitched to him as if he was an investor, you have to convince him that your product. Your APP actually has the potential with any data you can gather even if it surveys even if it's a market research, even if it's just simple as. Hey My APP is in this market and the potential in this market is X. amount of dollars of revenue year is how big the pie is, how much money that can be made who are the big players in that market who your competitors and how you going to compete with them. These are some things that you can really explore and display and present to anybody who's interested in investing, including your father and all this time wasted you're actually investing. Some, really good time and learning a whole lot about the market. You're about to enter

Jimmy
Housing, Healthcare, and COVID-19

Medicare for All

04:46 min | 2 weeks ago

Housing, Healthcare, and COVID-19

"Today, we're speaking with Barbara Dipietro. Who Directs the policy and advocacy activities for the national healthcare for the Homeless Council. Barbara, thank you for joining us. Thank you for having me. Yeah it's so. I'm so glad you're you're you're with us today especially during covid nineteen where I feel like the healthcare and housing systems are really failing us and intersectional and kind of dangerous way. So we really wanted to focus on this today. But I could you tell us a little bit about yourself? How did you end up getting involved with this type of work and what do you do for your for your work? Thanks much I came to this work working for the state of. Maryland. In the Department of Health and did a public health policy for about ten years both of the governor's office and for the Department of Health I did interagency family and children's services and and was a staff to the. Agency. Council on Homelessness. I was the opportunity to write Maryland's first a ten year plan to end homelessness, and this was back when those ten year plans were really just getting going under the Bush administration and Interagency Councils to. A homeless policies within states were really becoming the thing to do and and so that was precisely the time when I was in public service and my eyes were opened at that point to the breadth of issues affiliated with Homelessness and just how preventable homelessness is if we could just get good public policies to address it. And that was obviously no more. Well, illustrated than health department and in healthcare, and so one the things that I, the partners that we worked with healthcare for the homeless out here in Maryland they introduced me to a network of healthcare for the homeless providers nationally, and that's where I was. Started working with the National Healthcare for the Homeless Council and came familiar with them, and then they had an opportunity for director of policy and I've been in this role for eleven years now. And really excited to be doing just so much more deeper work on healthcare on homelessness in good public policy. So just to start with. I feel like the image that people have of homelessness doesn't actually match the reality of who experiences homelessness, how people become homeless and what it really looks like to experience housing instability. Can You just define homelessness for our listeners and paint a picture to help us better understand what it really looks like sure. I know we tend to conjure in our mind a street homeless man who was a chronic. That is what most Americans think of when they think of as homelessness. Really that population is about ten percent of the total homeless population in the country. Overwhelmingly, what we are seeing our low income working families are working people If you look in shelters most shelters a third to a half of shelter. Shelter stays our children. When you look at it working families who when we think about. Earning eight nine or ten dollars an hour, ten dollars an hour is twenty dollars. Excuse me twenty thousand dollars a year at fulltime salary. That's still not enough to make rent and pay bills and meet your food needs and and and and so people even when they are working even if it's not minimum wage still maybe in the shelter because they can't afford housing. So the official definition of homelessness, it may not surprise your listeners to know that there are many federal different definitions of homelessness depending on the program you were looking to access and so the definition of homelessness if you were in a housing world is more narrow than in the healthcare world. and. So then it's different even for the schools. And so we're looking at obviously street homelessness but also people who were living in transitional housing programs, permanent housing programs, people who were doubled up with friends or family really unstable. There's just a really A. Many people do not just solely stay in one place so they may be staying in a shelter for few nights. They may bounce back onto the street they may be able to stay for a couple of nights with friends or family member. Maybe, a spare couch something like that. Many of our clients do work, and so they do have some income were there on disability and they have some income. So that income allows them to pay a hundred dollars for the for sleeping on a couch for a couple of weeks.

National Healthcare Homeless Council Barbara Dipietro Maryland Department Of Health Interagency Councils Director Official
How To Consistently Reach Your Sales Quota

Journey to $100 Million

04:39 min | 3 weeks ago

How To Consistently Reach Your Sales Quota

"What's up? Everybody Needs Kevin Daisy. So we are fairly new at sales as far as the station is concerned having professional. salespeople. We're about, I guess a year and a half into it I. It was Eric and I always sell in the business. then. We had a Glenn who came on about. Not, even a year and a half ago. Now, if our sales professional and we're looking to hire more so we're kind of quickly scale on this up. But we have a very basic system as far as what we're looking for. What the monthly quota is. An and they should be bringing in and it is super basic and as for me, it still works I know we might get more sophisticated as we grow in the teams grow and we have managers and things like that. But right now it's it's super basic. So interesting lay it out for you. and you can see how all this may be different than your model or if you don't have a model because you're disowned for yourself. something you can think about doing. SARS is very. Is. Five thousand dollars a month. In monthly reoccurring revenue. That's the theme here monthly reoccurring revenue five grand every month, not five gram once or twice or ten times, and then Kinda sit back. Five men every month. That's all we care about. We want those results. If you do the math on that, if you're GONNA do five grandmothers salesperson. Times twelve that sixty thousand dollars of monthly reoccurring revenue. So that means a month thirteen. We've collected sixty grand. From the clients that you've brought in as a salesperson here. At Mont Thirteen but take that that book of business. Times another twelve and that seven hundred, twenty, thousand dollars. So a very successful salesperson in their first year should be over half a million at least. And that's what looking at. That's the kind of success we need to grow this business. Now we do have ramp up period. said. You come on with us for as a salesperson which we're hiring right now as recording this for sales. There's a ramp up period so The first few months. Washington. The first four months or not one hundred percent of that. So we actually sort out with about a two week training period. A month is twenty, five percent of five grand, which is twelve fifty. Then he gets to fifty percent seventy percent and then the fourth full month. After a two week. Period you're expected to bring in five thousand in monthly recurring revenue. So right now, this is a very basic system and it works. We don't care about how many phone calls you made. We don't care about how emails you sent. I don't care if you want to network in meetings or not doesn't matter to me. It's. Can You bring in five thousand a month in New York consistently. And again, this reoccurring. So this is contacted. Using on twelve month. So, as predictable cash flow that we can count on for at least next year. So. That's really how we're building up our sales and growing the company. In if I can just hire another person and they can achieve that. Five thousand per month each. Then, we're in really good spot and we're growing very quickly. So. That's what we're trying to do again right now is very basic, but it works for us. We've had other people tell us different things and don't do like do it like this. Do like that. But for us is working out, well, we also pay salespeople a salary plus the commission net. And we do the life for that the life of the account. So. We've got a pretty good system going also the salespeople here they're not account managers. So they can build a book business and then keep building it not managing. There's accounts. Our operations team which according to the episode on that but. Operations seems takes over that relationship and the responsibility. So the salesperson continued yourself. Now, they can touch base and and reach out of the client of course, but it's not really the responsibility so. They Cabal. You know what you're tracking with sales was important for us the results, how much can you bring in per month and for us the minimum is five grand per month. And that's going to set us up for success. We were

Glenn Mont Thirteen Kevin Daisy Eric New York Washington
Art Classes by Zoom Produce Pandemic Profits

Side Hustle School

05:57 min | Last month

Art Classes by Zoom Produce Pandemic Profits

"Market Blanchfield took up watercolor painting while she was a stay at home mom. And soon found herself quite adept at the practice. As she hunter skill and began producing quality works, she wanted to share these talents with others. To do that mortgage started teaching mommy and me art classes in the makeshift studio she'd built in her garage. There she offered place for MOMS and their toddlers learn together. Through friends and word of mouth. This became a successful side Gig that Margaret until the birth of her second child. That's when she decided to brush up and looked for a dedicated space outside her home. After finding the ideal location, she called the Space Sacramento Art classes. And created a website to match at Sacramento Art Classes Dot Com, she puts the choice of domain name down is her best business decision. By using such an obvious name much of the marketing work was already done. The website naturally ranked high in Google searches and parents and kids from all over the city came to learn how to paint. The space was never a huge money maker, but it did bring in some side income which was helpful with two small kids. There was even more important because by now Margaret, separated from her husband was a single mom. Without the support of a dual income, she looks for additional ways to make more money. In an attempt to expand, she opened up the studio to other artists in the local area they would lease the space for their own lessons and pay Margaret a percentage of what they aren't. That way she can make money from the space even when she wasn't personally using it. By Twenty Eighteen, she had twenty five art teachers on board. That sounds like a lot and it did bring in twenty thousand dollars in revenue per year but almost all of it went back into rent and expenses. So Margaret. decided to look for a stable way to make a living and transition to a job as an elementary school teacher. Also. Decided to close her studio even though it pains her to do so. It simply wouldn't be a profitable endeavor when she started on her new career path. While saddening things weren't all doom and gloom. Margaret Love Teaching. It was a way for her to keep sharing her art knowledge without the high overheads instead of having a dedicated space. Yet. The change wasn't complete as you might guess because something unexpected happened in the spring of twenty twenty. Was that well, I'm pretty sure what it was since it continues to affect our world pretty much every day in all kinds of ways. Shakeup meant Margaret started teaching remotely which gave her new skills and technology. She mastered Zoom and became an expert in remote teaching. Knew this wasn't something to gloss over and after thinking about it began to paint a new picture in her life? Margaret felt she could use her artistic teaching and technology skills to try something different. Specifically she thought about offering art classes, online the zoom, and facebook live. The lessons could be the same as the one she used to offer an early business. The only difference would be the method of delivery. To test the waters, she wrote to an old email list of six hundred people she collected from her time running the studio. In, addition, she posted a facebook event and let her seven hundred facebook friends know about it. To her astonishment, she amassed four hundred rsvp. then. In May twenty twenty, she ran her first free art lesson broadcast over facebook live close to two hundred and fifty people attended. while. Preparing for the lesson, she came up with the idea of virtual tip jar. argh replaced her Vinho paypal and cash APP county tells on a small sign visible in the video. Even before she finished the lesson, she heard her phone buzzing. Tips were coming in hard and fast. The success of that first experience only encouraged her to do more. She tapped the same audience locked in a weekly lesson with limited spaces. For that attendees painted band through pay Pal v her existing website. In addition, she still conducts free facebook live classes with a tip jar and on average around ten percent of attendees leave a tip. She's now three months into this experiment turned legitimate side hustle and things only improved. Are Free classes now reach an average of three hundred attendees and combined. She's earning well over fifteen hundred dollars per month. Matt. Of course, is recited income in addition to teacher salary. She sees this as only the beginning and wants to keep growing. So what skillset do you have that you could rework and reposition? Strange. Seemingly never ending year of twenty. Twenty. I really do believe there's something there for you just like Margaret and so many others. So one cool thing I think about the story I mean there's several things. But one thing that I noticed right paid attention to is using facebook live as. primarily. A noncommercial source of broadcasting but including this tip jar. where I think it was like ten percent of people are actually making a donation and it's not just the income from the tip jars. She also has these private classes where they're limited spaces, but you can imagine. If you go to class of three hundred people. You don't really get any individual attention, but if there's a class of ten or fifteen, whatever the number is, then that's also attractive for those who want to pay. So I love the blend of like doing the facebook live, which is open to anyone and because she's primarily marketing to her network of friends as well as people who been to the classes before it's not quite like trying to break through the facebook algorithm to promote commercially, which can be difficult and facebook wants you to pay of course, and then also great domain name, right Sacramento Art classes, dot com at least as long as you want to focus locally. If you want us to be art classes for everyone because of what technology allows us to do these days with zoom other platforms then that might be a little bit problematic. But for now, Sacramento Art classes dot com sounds great. So if you happen to be in the area or just want to go check out, Margaret's facebook lives you can find the schedule there sure and

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Why Selling Low-Priced Products Can Be Harder

The $100 MBA Show

04:17 min | Last month

Why Selling Low-Priced Products Can Be Harder

"Many new to business like to price their first products or services low, they feel like it's just easier to ask for the sale if it's not much money, the issue here is that who are you going to ask the sale from a lot of people forget that it costs money to acquire customer and when I say money, this can time as well hiring. Somebody to write you great content for content marketing or email marketing or can mean straight up how much money it's going to cost you to advertise to attract a customer to attract a buyer. Let me give you an example. Let's say for example, you're spending some money on some facebook ads to drive some traffic to an online course you're selling for ninety nine dollars. Now, the we ads work is that it's a lead generation tool. You try to get somebody into your funnel. They opt in for maybe a taste of your course, a module, a free guide, and from there, you try to convert them through an automation sequence through your email marketing. Now, this is a one time fee. It's a ninety nine dollar cost for the course. So save for example, it costs you ten dollars per optin or per conversion. That means you have to spend a hundred dollars on ads to get ten people to opt in for your free. So they can be part of your automation sequence, and from there you are convincing them to buy your course with some email notifications with some more great content. Maybe you're going to fight them to a Webinar all that kind of stuff now in order for you to just break even right now, make any money at all in. Fact, you'll probably be at a loss because you'll need to run your heads and you're paying for the expensive email marketing and all that kind of stuff you'd have to have a ten percent conversion twenty percent. We'll put you in the profitable range and it's not easy to converse somebody offer emails to a buyer at a twenty percent conversion rate. That's pretty high most see something between five and nine percent at best. So best you're not even making. Money. So a lot of will find it difficult to make money on low priced products is they just don't have enough money to market the product to get the customers they need, and I want to say something for lower priced products. It's actually harder to convert them because they're more price sensitive. Now let's give another example. Let's say for example, you have a product that's two thousand dollars a two thousand dollar course you're GONNA run the same ads. And let's say we are converting on our email list at ten percent really really ambitious ten percent just like the other where he broke even. But just to compare apples to apples, I spent a thousand dollars on ads his time, and again ten dollars per conversion on my email list to opt in for my Freebie now I have a hundred leads on my email list and avert a ten percent. That's ten customers. Okay. Now while I broke even In my first example with my two thousand dollar product, I got twenty thousand dollars in sales because I got ten new customers. And I spent a thousand dollars on ads. I made a profit of one nine thousand dollars. So as you can see, you can afford to get more customers. When you have a higher price product running ads is more affordable you can get more return on investment. Now US two thousand dollars for reason, for price point for product because anything lower than two thousand is considered, you know lower priced products. Now I want to say two thousand per year that's the the annual revenue that you'll get from a customer total value of the customer. So if you have other upsells, you have other things that you're going to. Sell them later on, we want to put that into the equation but the point here is that you have a whole lot more breathing room when you're priced higher, a lot of new entrepreneurs think if I price their products to high, I won't get that many customers. It's not about the number of customers. It's about how much money you make from each the total number of. Dollars you take home the profitability. In fact, it makes a lot more business sense I rather have ten customers and earn twenty thousand dollars than to have two hundred customers at a ninety nine dollars point because i. have to now service in maintain an help two, hundred customers instead of ten,

United States Facebook
Summer of Celebrity Splits, Big Brother's Big Risk & Plastic Surgery Catfish

Nightly Pop

05:28 min | Last month

Summer of Celebrity Splits, Big Brother's Big Risk & Plastic Surgery Catfish

"Welcome to nightly pop the best place for a facelift advice and break up revenge. Lena's off tonight. But Hunter has here as always and our new best friend Luke. A thoughts is back for more. Hi Guys. Thank you so much. I know I had one day off but I'm back I'm here. Today and let me tell you. Is Easy to make it look. Really did we I just need I think I should ask Vivica did hunter up any prompter Vivica he mess up any reads that you can run. Maybe, once to very honest with you, I was very proud. That he like got in there and all that snow and. Charming. As he lies on yet Morgan between me and Roxy D. as so he loved it I'll I'll right he was in a sandwich there. Okay. All right I guess we're not gonNA top any of the comments that were just made Cilicia get right into it is officially this summer of splits Kelly Clarkson Julianne Huff. Meghan. Fox Kristen Cavalieri. The plug on their relationships VIVICA. Florentine all this lockdown. But do you think this is what's driving couples to just be Finito Dunn's Oh absolutely they are spending more time than what they ever had. When you know celebrities were always on the road working on a said, you know you get to see someone and it's like honeymoon you get to have a lot of Kline I remember I dated a guy and it was so much fun. I was on the road and the moment that the tour was over I. Think we broke up in a couple of months. To. He musician was shot. MARCI was I honey? Mortga do not confuse VIVICA. For anyone less than a god. Okay because she's Doing it well. Share I I think people are breaking up in the celebrity will because one of the most attractive things about a celebrity is their success it's that they're. And, they're good what they do and when you see them without that success, not only do you feel less attractive to them? They feel as attractive themselves we have like we're in this industry because of our ego because we need to be seen. Not Seen we kind of become worse people unranked. We'd be. Real, little school anyway moving on big brothers back tonight there is already drama according to multiple reports Julie Chen revealed some of this season's potential contestants tested positive for Kobe nineteen. She says they were paid for the final cast but okay hunter would you still what I don't even know him asking me this would you go into that house mortgage? How bad do you think my career is going if you if that's the question they're going into big brother now I've got to television shows Morgan okay. I'm doing. Okay. Don't I don't even know why bother I mean we have I'm not GonNa ask you because you are a legitimate movie star and you're not going into that house. But if somebody said I'm giving you five million bucks to do this. Would you? Let you know that the offer did come my way and it's not five million bucks. But I'm going to ask Charlie. Yeah it's not holy cow. It's been the five million dollars on that set and getting everyone there. To do it and I can live with another person let alone sixteen is it like twelve or singling on that house yet? No. My worst never ever Talaat. Moving to Morgan's house right now, I feel like moving to Morgan House and I get to hang out with Jordan all the time. It's GonNa make. Their relationship better because Jordan is not going to spend as much time with Morgan film it. Little brother and it's. It's a perfect show. Yeah. I think. So we just recovering from me yelling about the fact that there was no Wifi, but I just wasn't connected to wi FIS. So anyway. He's like everyone has wife I'm like, yeah I'm not on the WIFI moving on. News for anyone looking to get a face lift a you might get catfish. Dr. Jacobo. Who just gave Sonja? Morgan her new look lanes he's dealing with online imposters. He tells page. Con Artists are creating fake social media accounts and cat fishing his patients one client was even tricked into wiring twenty grand deposit I mean. People falling for this. Clue. One twenty thousand dollars but that just goes to show you like. Doing Corona that people were you know happy to be more natural and not getting. To be so tight and so right even though I must say he looks like he does excellent Oh my thing is i. think plastic surgery especially something as serious an entire facelift or no job or something you should do your research and if you can't even properly research who the doctor supposed to be. Sending it to like an offshore account. Then, you deserve a bad nose job in my opinion. On Yourself. I I love an offshore account though I love the sound of that. Nice offshore. Offshore Bank Account I. Love it like. So, desperate for beauty and that he has just answer. Yes

Vivica Morgan Hunter Luke Julie Chen Sonja Morgan House Lena Kristen Cavalieri Kelly Clarkson Roxy D. Finito Dunn Meghan Jordan Julianne Huff Florentine Marci
Mastering Money With the Budgetnista

Motley Fool Answers

05:55 min | 2 months ago

Mastering Money With the Budgetnista

"So. Tiffany. Let's start with your personal story. So we're currently in third recession of the century. But I'm guessing that you're doing just fine partially at least because of the lessons you learned during the last recession to tell us a little bit about your history, what the last recession was like for you and what has happened since then. Now. Certainly The last question caught me off guard i. Was Not prepared. I because quite honestly I was a schoolteacher and you know I was pretty confident. I'm like, I don't know that schoolteachers lose their jobs because you know we are essential workers, and now yet here we are back again. But Yeah I was a schoolteacher and I didn't move my job actually in two, thousand, eight when so many of my friends did but I let I lost it at the tail end of two, thousand nine. So it really took me by surprise but. Up until like I would say, twenty, five, twenty, six, I was what I called financially. Perfect. I grew up in a household. Money was talked about wasn't scared of talking about finances. Might author was a CFO OF A small nonprofit? He also had his NBA in economics, his his a in finance. My mom was a nurse and we literally used to have money meeting so. I. Didn't grow up with the angst that most people did. So by the time, I was twenty five even though. I was teaching preschool wasn't making much. I think I was making like forty thousand dollars a year By the time I was twenty, five ahead. Forty thousand saved bought a Condo I. I had an ADL to I. Think Credit Score at didn't have any credit card debt. I paid off like my parents helped with my undergrad degree plus. I commuted. So what I did haven't stood alone. I was able to pay that off a few years after school. So financially perfect like okay. So I honestly couldn't relate although I was helping my friends with their budgets savings and things like that. I couldn't relate to the mistakes because I had not yet need them but I was going to then. When I was twenty six, I went on to get my masters in education and I was like, okay. So you now you went from no debt to a mortgage, not so bad. I had a a you know student loans because my master's not so bad. But by twenty six, I said, okay. Now, I'm ready to learn to invest and instead of asking my father who has literally two degrees in years of experience I'm GonNa ask a friend of mine. and. So I asked a friend of mine who appeared to be independently wealthy because he had like a really nice car. and. Like a like a fancy apartment he's well I think Spurs. You have to learn to invest with other people's money at. My money. So what he postulated as is that. Do, you have credit card said, yes. But I paid off in full every month because as instructed by my father, he was like well, did you know you could pull money off a credit card? I, did not know that. So he said not only can you pull off one? You could pull it off to I was like double the mistake. Let's do it. So I pulled off twenty thousand dollars off of my credit cards and I went to invest with him what's to say? That didn't happen I. ENDED UP Thirty, five thousand dollars in credit card debt when I didn't have credit card debt prior and I just remember thinking a first year. I said didn't want to take responsibility for the mistake that I made I did not tell my dad or my mom. But I pay just a minimum because I said, you know what? He's going to come back or he's GonNa. Take care of this because it's not my fault of Ansel from age twenty seven I didn't do anything. Well, twenty, seven night out the money twenty eight, just pay the maximum finally twenty nine, I said all right I'm GONNA pay off this debt just going to buckle down I live pretty frequently anyway, and then twenty nine is when I lost my job. So. Now, I've got a mortgage student loan credit card debt and I was like, okay, I don't know what to do. I've never been in the situation. So. Fallon to this light dark hole of like spiral like because I'm twenty nine going on thirty I've lost everything as far as I can tales financially. So I ended up moving back home with my parents without telling them why they knew it was the recession obviously, and they also knew I lost my job, but they didn't know. ABOUT CREDIT CARD DEBT Live with them for year than I. Am I live with my sister on her couch for year, try to figure out my life because back. Then now we're getting the six hundred dollars a week on our stimulus stimulus check. But what was happening then as they just extended unemployment typically, you can get unemployment for up to a year. They extended to two years. So I said, okay, you have two years to. To figure out what are you going to do with your life I was afraid to go back to work for someone because I thought it, you can lose a job as a preschool teacher essential. Then that's not safe. What could be safe? So I tried a bunch of different things I tried on party promoting party planning I volunteered everywhere I can think of, but while doing so I was helping my friends. But save get out of debt all these things in one day. My friend said, you should turn that into a business and I'm like you. Now I had gone to school my bachelor's degrees in business, but I hadn't used it. And so I, tried to charge people one on one. Only to find the people that you're actually helping with your budget. The reason why they hired us because they don't have any money. So that was a bad business. So I, switched my business model to one too few and I worked on getting contracts and I got my first contract with the United, way? And I rose excited 'cause they were going to pay me I think like. Three, or four, hundred dollars a class and I had a six week course that I'd written. For them, and so I did, and that was like my first. Okay. Maybe I can really make a run at this My little sister gave me the nickname, the budget. So that became because she said like, I'm not like the fashion. Easter. Who is really fashionable, but I am very cheap so

Money NBA Tiffany CFO Ansel Preschool Teacher Fallon
Should You Outsource Your Paid Ad Marketing?

The $100 MBA Show

03:03 min | 2 months ago

Should You Outsource Your Paid Ad Marketing?

"Many. Small Business Owners after a few months of being in business already to investing in paid advertising, you're a new company new business a new brand, and you want to get your name out there. You want to start bringing in new customers and long-term marketing like content marketing Seo may take some time to start seeing some traffic. So many people are left with the question. Hey, should I start learning how to run my own facebook? ADS or instagram ads or Google search and cut out the middle man or woman and go ahead and start spending money on. It's a lot of people say, Hey, I'm spending money on the ads themselves I can put my whole budget into the ads themselves. Instead of you know having to pay somebody do it and a lot of cases it's not super inexpensive to hire somebody to run your paid ads many firms will take a percentage. Of your spend to save, for example, you spend two thousand dollars on ads this month, the want to charge you twenty to thirty percent of your spend. So we're talking about two to three hundred dollars may seeming significant the start. But as you start spending, you know five, ten, twenty, thousand dollars on as is not uncommon. It gets a little pricey. So I wanNA share with you a little bit about the experiences I've had in our. Businesses. is my own ads I've hire people do ads for us. I've kind of done something in between as well. I I want to say that when I started to run my own ads, I had to actually take a full course on how to run facebook ads I started with facebook This is even before instagram was out, I pay five hundred dollars for the course it took me about three weeks to finish the course. Even then it took me maybe about a good solid two months to start running high converting ads in the beginning you spend a little bit of money because you know what you're doing. You're still kind of. You're trying to find the audience all that kind of stuff you're a Newbie, but once I started to get it it was starting to convert and I was You know making good return on investment for the ants. The problem was is that in order for me to optimize dads to improve them to continue to come up new copy in new ads constantly, it was taking a lot of my time. I would say it would take about three to five hours a week. So from there I moved on to hiring somebody to take care of my advertising. This particular firm was taking a flat fee of two thousand dollars. Now, this was back in two thousand fifteen. So I would imagine prices being much higher now I actually no, because I've kind of shop Toronto a little bit and the going rate for. A flat fee is around three thousand and those are really rare by the way getting a flat fee contractor a flat fee agency to run your ads for flat feet and not kind of run based on your spent most agencies will charge you like I said a percentage of your spent twenty thirty percent of how much you spend on ads. I know that kind of sounds weird. Why would the spend? Have, anything to do with it because it's not like they're running more ads, they're just spending more on each of those ads, but that's just how it works in that market

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Episode 003: Direct Primary Care with Dr. Rob Lamberts - burst 01

The Better

03:05 min | 2 months ago

Episode 003: Direct Primary Care with Dr. Rob Lamberts - burst 01

"So why don't wind you kind of explain for somebody that doesn't know what what is when we say direct primary care, what we mean by that today yet people. Able to set the same as concierge medicine. Because they've heard about concierge, which is usually a higher end higher cost healthcare and in rich people sign up and they pay a lot at doctors and they get a lot of money act for them and they get access to the doctor anytime. They want on an extra special care. It's kind of like writing for class. In this is different than that, for several reasons, first office, the cost us a lot lower. Direct Primary Care Averages under a hundred dollars a month, and in my average cost us more toward fifty dollars fifty between fifteen, sixty dollars per month depending on the age of the patient. As low as thirty, five dollars per month. and then the The other difference is that that as opposed to cost you care a lot at times still bill insurance. And then they'll do for an uninsurable they. There's a part that that insurance doesn't pay for that they they're able to do. A fee for a monthly fee or something like that indirect trial care you. Get, rid of Allah charts. You don't want the patient to get rid of insurance, but in terms of the care that you're giving that I'm giving my patients, pay me for it. Once a month, that's it, and it has nothing I. I. Don't accept money from insurance updates i. we will work with insurance companies to make sure the patient gets especially. Care that they need hospital care. They need or this procedures in that type of stuff. But in terms of paying primary care, which really kind of silly that that it's insured anyone because it's not expensive Yeah. It's there's nothing that I can do that Iraq thousand dollar deal as a primary care doctor as opposed to specialists where in Oregon vedic surgeon or something like that. Go through twenty, thousand dollars with. With. Just one procedure So You know I say it's it's a lot like auto insurance covering gas in your car or oil changes were tires, and why do we do that? What we don't do that because it's just not expensive enough. So. I'm paid by my patients and instead of being paid her visit, I'm paid once a month and that said I don't charge beyond that. So the two central things are the monthly payment in pay being paid by by. Derail,

Oregon Vedic Surgeon Iraq
Twitter Will Be Fun Today - The College Kids Who Hacked Into Twitter

Unconfirmed: Insights and Analysis From the Top Minds in Crypto

25:05 min | 2 months ago

Twitter Will Be Fun Today - The College Kids Who Hacked Into Twitter

"Today's guests. His Hip Awan CEO of Afani. Secure and private cell phone service locum his Heeb. Thank you Laura for home. You'll show. You were one of the investigators in touch with the young people who hacked twitter last week and gain control of prominent accounts, including those of Joe. Biden Obama Elon Musk and others as well as those of crypt companies like coin, base and finance, and when they had control those accounts, they were soliciting bitcoin from twitter users. How did you get in touch with the hackers? So Laura be in like. four-time itself, so then after I was so pissed off that angry that I said I need to solve this problem, and so I've entered into a form that relates how they have those accounts holiday getting pretty much all the ring of how they operate so. When you say that they had had your twitter account, nor they have my Sim Sark four times. Okay, and when you say Sim, swaps just described that in case, listeners does up. Does improper pretty much. What happened is like someone will take the form so the underground market like think about Ebay, but like I knew democracy with information. So you said your name, your information social security number your call logs your life, your life, location or anything on you. If I say hey, I need to find out for Laura Shane telephone number, and they'll give me telephone number will give me a call loss to give you. An everything comes through telephone numbers of numbers unique, and then if I say. Say Hey. I need to take the phone number 'cause I need so they will just prophet abuse him that I control, and I need to pay them few hundred dollars now. Your formula not work anymore because I had control of Sim card, so then I use that telephone number to get into a g mail, facebook and twitter, so if you go on twitter, new likely rescinded to email our number. If it's telephone number you've got. Someone's adopted very common technique deployed across US for a long time. So. The twitter hack twitter said that their employees had been socially engineered, and that's how these hackers gained control the systems. Are you saying that? Some twitter employees have their account. Sim swapped like how how does that you or Simspon tried? These people relate to the twitter Hack Greg? You wanted to ask me like how to get in touch with them so I'm trying to understand. You, that of analysis himself, so started going into the industry into this form than trying to see how they operate and to Dodd funny, so which will provide the made acadia that probably that cannot be Simpson's. That's what we did an offer that. VINCI START GETTING customers. Have you would actually getting a lot of attempts to do so? You would getting Dempsey pretty much every week that someone prior to himself or customer, trying to like hack into our system and mend the failed. I got in contact David Mayhew call, they would email method you and they will do all kinds of attacks. You know they'll try to let pen to pen tests. The everything did and obviously in one of the cases restocked immunity stopping messing around it right I know what you're up to. And after I got in touch with him to signal and author that the lake. Not I won't say that become a friend, but I told them why you're doing this. Thank you know you should not do this multiple hackers and they said okay. If you don't have anything to do pretty much, does it okay? Why don't you get a job? He said job, and then they start feeding the all information to proved at. Legit than a lot of information and how I was getting information from a lot of talk of the vote. And when it all this happened that you got in touch with him and had it happened late four five months ago. Okay They were diverging to me not just for this hot, but for other purposes to ride like a kid discount. Lot of databases beach everyday, so they wanted to see that a hey. If I'm interesting in the database, just wanted to work pretty much. is not money. It's also about ego that they wanNA prove something that they would do something so. So Mike Context for not hacking, but they'll be into the songs that they had access to. That follows A. Up I didn't want to. Excessive today were passing me. Hey, today. This is for sale to do sports on tomorrow. This person's so on the deal stood attack. I got a message that will be fun today, and when this message I thought he'd be like a distributor barks. Like scam scams, and but after why? That's all the kind. We got attacked ten. Finance Accounting Noble at depth one time. I taught that it's just a third party API like you know you have like you know where your schedule. The in everything I thought that may be compromised, and that's how they got author. Riley said No. We have everything. A screen chart I tweeted screen shot, and after that is blue. Well and so, who are these people? who were the people involved in the actual twitter hack? The difficult to identity like frankly I don't know I can speculate, but obviously because someone security and privacy I don't want to speculate but I can tell you wanting like college. Kids are maybe like someone between eight, eighty, twenty, one, twenty, two, and they are video gamers. They'd metaphor armed, and they found fascinating for them. Dislike a game like you go into video game on you killing you do stuff for them. It's like that. They, probably living in some way or radio patterns right now in basement. Who does not even know anything? and. They just do it for fun. Obviously, money's there, too, but most of fun for them is just a today. And so originally. The way you got in touch with them was they were targeting these different cell phone accounts, and what does motivation and taking over the different cell phone accounts so for account you can actually to when people take account, they can actually destroy you financially emotionally ended up recently, though by financial I can say they can get into your county bank accounts ticket by Tiptoe through that they can buy a lot of levels of securities financially they can do. obviously going to facebook in an email to, and then they donor all information from your facebook, and then they start blackmailing you that. Hey, likely when a lot you have done this like you know you have this. And you have to pay me this information out there and a lot of people would have to pay them the money because they don't pay the money. They looted operation right so and then third party. They just become Parson Mike is the word processing me. blender used to take my county new. They cannot get anything, but they wanted to talk to me. Just fun for them like people. Some people are sick. Like how did they pick you out of all the different people that they could torture also the league, if not just me like everyday hundreds of people to get them soft, though I'm just one of them on average, every second medical become victim of since up, not himself but cybercrimes so. But I had the impression that this was primarily targeting crypto currency people, but you're saying it's any bundled nor I think eighty percent of people who was himself to an entrepreneur L.! And the new in the cases of those people is it like personal vendettas that they're trying to? You can make more money by a hacking Lord cell than anything else you know. is one thing but Lloyd is like one number one target Loyd and has professionals league doctor medical doctor then. In Lord other number one targets in suffers, and what is the motivation for targeting lawyers Don. Money don't happen. How do they monetize that Yeah, so I tell you doctors, basically busy less tech, savvy and rich. It's that easy to find out any doctor information. You can find out who the best doctor in the city and you consume. Stop Him. And once you get into that account, you can transfer money between accounts who can be that people have been? Going into the count, Simpson calling the bank making via transfer, and then just checking accounts. That's pretty common. For for doctors to clinics have a lot of money. If you'RE GONNA clinic, instead he did even like five hundred hundred million dollar distorted the front because Alaska. Election for them. Okay, so let's go back to the twitter hack. They were some names that were identified of people who are involved these names. In The New York Times article that quoted you as a source one was kirk. There were some other people ll and ever so anxious. Who were these people? And how did they know each other? So they don't. Know the Best Birdie. They just hang out on rooms like chatting channels lake similar people on developed talked with you. The pirates channels. We had people a go if they WANNA have information to the document industry for finding information. If I want someone associated Gordon dissipates on one. Don't get call for these people trade information. And you asked about like a leg. Imagine your lawyer and you are fighting for my open kiss. We begin go to the website by that long since he will. They are who they're talking to the day can. Make some delays on them. That's one thing but other than that. These people are just a game as they would play like you know different video games and kick the die, who was basically a source of the rate industry rock says they'll be extra agents, and they are in room for longtime and David. Obviously you want you want something you don't trust the new guy. The new guy who is basically the main culprit punching the entity because multiple reasons, but the main guidance, the just which had A. Reputation. If you say you want a username of Laura at Laura, Shannon inactive. You may not trust kick, so you can do this. Middle Diane Tell Them Hey, can you hold the money for because you have a good relation? Because like Ebid forums generally have a petition systems. You know so then you ve into this guy like you know every inch it He went to care. Concur depended he the credit employees but I. Don't think he was employees. And, then he gave him the concert start building. So this is just a middleman. He was just broken deals. You tell them what you want. He was just keep his car and transfer the money. The is completed that fall. And so so kirk was was saying that he was a twitter employees, but as you said, you don't think that he was, and he was essentially selling valuable twitter accounts, and if people didn't trust, Kirk, they would use ever so anxious as their middleman to get the different twitter handles that they wanted. Is that what happened? That's correct. Good Gig, only unharmed on in July of. July it was very recently. that. He actually came so obviously not trust someone admit. That soon. July seventh in the New York Times article are. Limited okay, but all right so but ever so anxious. How to longer reputation and. And that was who people are transacting with. And so then. How did BITCOIN come into this? All. On these things happen through Bitcoins, so the way it started was they were selling. This twitter handles four bitcoin and then later. How did the scam change? So I. Personally is what I personally think. That kid was in touch with the employees who was giving these accounts. For a few thousand dollars. And then. Either bribed him. Architects. Social Engineering Him. Legs because like hey can do. This is my. This is purely my speculation that you're working for so long. He warned the trust. Any may have said Hey, can you log in forbid I wanNA see how it looks like something that he made it something so the guy is pasta on. Hey, just do it, but don't do anything crazy. You Know Butt kicked. Decide Okay, man I can just go on or can also go online with I can do it I can. Can also go on like you know. All those accounts crazy. That's what I okay, but you're just speculating. You don't have any proof that or or do you know what? I don't have any proof of that I don't approve. Have critic probably do it? And Kirk? Is probably a guy called coup, which is on a farm for a long time, so he speculated that he someone that was in the industry for wide, but not. Approved that. Kicked it, but from all the action than everything it all points to cook. Irene so in a moment we're gonNA. Talk a little bit more about what happened. Exactly I, in sight, twitter and scam, but First a quick word from the sponsors who make this show possible. How much in fees are you paying? CRYPTO purchases now crypto dot com as waving the three point five percent credit card fee. When you buy crypto apart from crypto purchases, you can also get a great deal on food and grocery shopping with crypto dot. COM Get up to ten percent back when you pay with their. Visa Card no card use the crippled dot com to buy gift cards for up to twenty percent pack download the Crypto Dot com today, and enjoy these offers until the end of September. Looking to connect with thought, leaders, innovators and blockchain enthusiasts welcome to T- forum a weekly virtual series about all things tasers. Equal, feature presentations about the latest advancements that healthy ecosystem grow together. Interested in speaking at t quorom, submit your presentation ideas and the tasers community will vote on who comes to the podium next sign up and learn more about the virtual series at t quorum dot com. Back to my conversation with his Heeb Awan. So, we don't know exactly how. Kirk got into twitter's internal systems. However Once. He or she did then what'd he do or or she do with their power? So. Kirk than they went to buy I think. Start with by notes I'm coin base. And the see your finance and he made it account Egypt first of all. What did it was did with other? Account. Okay, which means when you log in, it asks you to do a second type of security, which is hopefully. If you're in the crypto space, you have used something like Hugo, authenticate or key, and you're not using text message based second factor authentication. Where they sent a code your phone because otherwise if he gets swaps than than having no. Buyer so. Removed that and then keep going good thing. They added wall a secondary second. You know Autodata so now. I'll give example like you have my username seep, so they moved to a FE, and they're also removed. Jane, Email. And then they. Did possible reset. So the new email guard, the chain deposited garden the account. and. tweeted whatever they wanted. Well, and what were they tweeting? So, they were tweeting that you know. About Co. Ed Nineteen I believe like you know because of Covid, we like helping people. I don't remember the wording. Health Has Something and they said Back. And this is video any comments in YouTube. Actually they were so good that frankly sometime I get like you know Oh my God like the able to make it like a secondary thing. That's real you know and like, but this happens pretty commonly, and and it's happening for almost two years now i. It, really is the kind of thing where people think it's real I honestly. Had created a question for you, which is who are the people who are savvy enough to own bitcoin and know how to send it, but not savvy enough to spot. What to me seems like an obvious scam. Actually went on the Internet and are tweeted out this thing same thing I said like who are those people who can have sophisticated enough to buy Bitcoin, but knowledge to. Send. Bitcoin but I think leap Dick's everything. Like I agree people think okay. Let's give it a chance. You know it's like a lottery ticket. You know people may be, but they think what if this is true and other than that. If you like an must happening there, actually flaunted, be efforts on twitter. All the time with people are donating money on twitter, but they don't ask for anything they say hey, can you give me your Alfred Egland who this every day, so he will dollars to off fifty dollars for every person everyday. You'll say. Retreat this. I'll give you this money. So this happens right now and obviously As hit audible, read like you know when viewed come in people, people forget everything that you know. We have so many Ponzi scheme like so many scattered that happened that exist today could if I come to unity Laura investment scheme, which is a pretty good you know. He hit all the MACHIDA. But it only gives you five percent. You may not listen to that. Say Hey, Lord the Child who may tennis money tomorrow. You may skip everything. Cocaine is thousand and ten dollars tomorrow. Okay I'll take the risk from doing that. Hopefully I'm sure my listeners are savvy enough to know if it sounds too good to be true. But people do that I. Think I have estimated that around like maybe I. Just in this journal given us cam like. He put a lot of tens of millions of dollars and well not last week, but no, not over time overtime. Yeah, yeah, we'll be sending money, so there are enough food. I guess yeah over I mean for last week. The hackers did net about a little over thirteen bitcoin, which was about one hundred twenty thousand dollars, although analysts said that about twenty, thousand of it seems to have come from a suspicious address that they actually think controlled by the hackers to kind of make it look like this was legit and people were actually sending money. But then also by the way they could have netted more. However, Cuevas said that it did prevent more than one thousand customers from sending about two hundred and eighty thousand dollars worth of Bitcoin to the twitter hackers so oriented, so let's talk a little bit also about just what happened in twitter which was? Twitter blog posts. Hackers a targeted. Thirty accounts for forty five of those they reset the password and sent tweets from those accounts for eight of them. They actually downloaded that counts data, and then for thirty sixty legitimate direct message inbox, including one elected official from the Netherlands, and it was who. What do you think they could do with such information? I think it's A. Black, man that I've been talking to you about what happened with sin sopping. Let's think about it if you have first all that fool Phoolan that why didn't put? It wasn't like planned. I don't believe it was just like in the move in the heat of happened. BANDAIDS slaves. They clearly guy who just got drunken pretty might do everything but I think if you have access to like anyone, social media, proper social media like I have been I've received. Messages. And I but I don't believe that I think we have forged around. Believe the electoral, so, but if you have someone should media that maybe confidential information that can be misused by Stacey when leg if you do about it on dedic messages, a you know that's not confident that even with the journalist visceral broads. You know so I. Don't know who the information was. What fast, but that's video very very concerning and I believe this may happen on facebook or other social media from his. Because to same. Attack Factor. Yeah I definitely think that this is. One of those cases where it makes you want to just use encrypted social messaging APPS. Such as like signal or something, maybe what's up? So, let's just also talk a little bit about what we said before about how the hackers were able to remove two factor authentication on these accounts. Well, actually what they did I was. They changed the email address. And then the chain Laras Oh, actually bid on a there was A. There was an email. There was a blog post by somebody who had the at six twitter account, and they said they believed that the hackers change the address, but that when that happened, it did not send a notification to the original email address, but not I don't know if this person was surmising, you know six hundred interest in history, those belong to a hacker. Their the community of Hackers Gobi Twenty six hundred. That's like a court for hackers right. Not a quarterback, just like community for hackers and you were the hacker who ended up homeless anywhere. They will do attack into I think he would to. And he went into multiple you as homeless, but he was a hacker. And oxygen community belong to sixty name. Is this secretly off? I believe his name. And, but yes, but I think the first drift was removed and then. moved. To the letter. Control of it now thought it was the reverse, but either way. In Like for any of us who are in the crypto space who have been? Keeping up with our security and using things like Google. or UB and avoiding. Text message based to a or or any kind of to a based on our phone number. What? Can we take away from this like? Is there any advice that you have for Crypto? People on how they can protect themselves if the services that we use have loopholes like this. Let's not that'll be biased in obviously you know. Will. Finding here, but that's what we do, right. We work, but a lot. Actually I am surprised at how many a compromise them security argue out stocking some customer yesterday and they do You know an extra seat is probably the most I can tell you I know. We are making like a faces, but at same part exit. She's most prominent used offer manager for probably ninety ninety nine percent of the word. What would you recommend instead? Use a password manager, anything manager pretty much everything in the top five six. It stood, you know. Don't cheat on family plan. out on like those like a caveman. This company go with a better company. Even if you don't go the final leg, that's fine at least hell better company like Dourthouse I'm plan because no fan mace. You make you very vulnerable to now you're putting your own life on risk, but everyone who is in the time is. You know and the third party. Don't give out your telephone. Number molasses everywhere. You know like. Don't go to like you. Know have different email address if you want to. And you let you. At Google. Authentic get off your. There's something at one time I have statistics, said ninety five percent of people who are like major changes. Do not have to a fait. Sms I'm talking more to a and I think ninety nine percent of those are what you estimates to say. The people who've been additives Everyday I have started I deal with at least two or three people who get up everyday and came and we had some of the to affair, and I can get into that lot of people into the spark that they were not believe enough not to change it. please. Don't please don't be those people, but I can tell you like I've spent people and I said do this. Man How much time did it like five minutes six league. Logistics you Donald and APP, you know. have to familiar face. You know if you are very cautious, taken for a number, but I can tell you that Khomeini would make this mistake. Ordering will end and it you know, and in the end I did lose industry learn. That's was part. There was still use the same SMS to a fait. The dating did not happen to them. Again happened again. Because if it happens to once, you become more, you know your motorcycle getting out again. If they have found something and something, they just do for fun, and and you know what I because obviously I'm. Biased in a way that the. Customer. Time I've been a victim four times a feed Logar they can. What would you do? Please please please setup. SMS elected more music episodes into gear and please get family plan these I. Know You're saving their ten twenty dollars per months, but in the end you know if you call it a, it's like insurance. You can live without insurance to. But like you know. The one day you need insurance when you need it.

Twitter Bitcoins Laura Shane Facebook Kirk David Mayhew Simpson Google. Ebay United States The New York Times Simspon Dempsey Vinci CEO Dodd Afani
Are Amazon ads worth trying?

Side Hustle School

03:26 min | 2 months ago

Are Amazon ads worth trying?

"Hi, Chris, this is Laura from Pittsburgh and I've been listening to the show for a couple of years now I've been hearing about ads on Amazon being an alternative to expensive facebook. Google ads is true, and if so, what do I need to know? I shop on Amazon Dot, com almost every day and I've noticed that they've started showing more and more ads. I did some reading and it looks like anyone can pay for these ads just like with facebook and Google. It also looks like are a lot less expensive and less competitive. At least for certain categories or items. Is, this true, and if so, what do I need to know about it? Hey Laura, thank you so much for listening challenge. Everybody in Pittsburgh. Okay so lots to talk about here. Are. They worth trying. Yes, they worth trying. Also first of all. Is it true that they will sell ads to anyone? Yeah, of course. facebook and Google Amazon all these companies I. We'll make it very easy to take your money, so they're not concerned about the effectiveness of the ADS. They're not concerned. Waste your money I mean they're happy to take your money basically just like any good major corporation. And you're correct as well. They're showing more and more ads these days. As whether they are less expensive and less competitive than the ones you see for facebook and Google. It really does depend and a lot of categories. It's not less expensive. It's less competitive, so it might be for certain categories. It might be depending on what you're selling. But that's the kind of research to do. Once you start getting into that specific product you're selling and once you start understanding a bit more about how it's marketed, and who your customers are, and where you can reach them all that kind of stuff, so categorically speaking. It's not that Amazon is going to be better cheaper. Necessarily so unfortunately, it's not just like a goldmine sitting there that you can go and spend a dollar and make twenty dollars every time. Now as for whether they're worth trying and such I. Mean anything is worth a try. But you know just like any other form of online advertising. People lose a lot of money doing it, I know an author whose publisher spent twenty thousand dollars on Amazon ads recently. And they had a specific campaign actually worked with an Amazon Rep the company provides somebody directly to publishers, and to those who are spinning at that level or higher. And it really didn't work that well I. Forget the precise numbers, but they spent a lot of money on selling a small number of books, so not necessarily a great idea. One option might be to look at Pinterest. We haven't talked a lot about pinterest ads, but that is another company. That's happy to sell people. Ads based on certain targeting. You can include all the different demographics and variables that you want to specifically try to reach. And pinterest ads I think categorically can be cheaper than Google and facebook. Not for everything, but for a lot of things, and as whether they're effective once again. That's going to come down to what you're selling. Overall whether we're talking about any of these companies or any other networks, the other places in which you can purchase advertising. Don't try any of that stuff if you don't have a product that converts. That's, that's the most important thing you don't have a sales process that you know is going to be effective I mean feel free to spend a hundred dollars or something, but I definitely wouldn't. Invest in a big AD campaign without a proven product. That's why the work on the front end is so important, because then if you have a product that's amazing and it's converting and you've got sales process good message then those ads can be an amplifier.

Amazon Facebook Google Pittsburgh Publisher Pinterest Laura Chris
Twitter shares stumble after high-profile, unprecedented hack

CNBC's Fast Money

03:30 min | 2 months ago

Twitter shares stumble after high-profile, unprecedented hack

"Welcome back to pass twitter trading lower today as a company deals with the fallout from the hack of several high profile accounts the FBI. Incident and lawmakers on both sides of the aisle or calling for more information for more on this, let's bring time I, or the chief security officer insights tie welcome great to see you again. You said that that basically the hackers got their hands on the crown jewels twitter. Meaning the administrative access, how should there be more security surrounding the person in the people who have this administrator access privilege? Well twitter does have a great security team. You Know Hindsight is always twenty twenty, but I think there are things that could have been done in order to secure that type of account, but we have to keep in mind you know. We love talking about technology and security, but the attackers the attackers attack people, and so in this case, if somebody was social engineered, it's it's a little bit harder to actually be able to stop the attack. Is this a bigger problem for twitter than than say an attack on the individual accounts? Toya because we have seen attacks on individual accounts, but now we actually have access to all the account, so you can run a coordinated tackling the one we've seen now and gain access to very high profile counts. I spoke to you last two on in doing research and doing the interview for the Bitcoin Documentary, and we talked a lot about the dark web, so you know this. CD Corner of the Internet quite well What's your take on on what the hacker could have gotten and what it could be worth? On the dark web. So, the attacker in this case beyond access to a lot of different accounts right so. The fact that he made off with one hundred and twenty thousand dollars on, consider that pretty lucky in the sense of if it ended with that because we have to keep in mind, it's not just the molly loss other went to these bitcoin accounts. If the attacker really wanted, he could sell this to another player who could do a lot of other things with it, and in addition think about it if they would have taken this to political figure and tweeted something now that could cause diplomatic issues as well. What's your sense as to whether or not? We've seen the full fall out of this hack attack. I mean. These hackers could've ETA have had access for very long time sort of trolling or or or getting harvesting data in direct messages, etc, for purposes of maybe blackmail later down the line. It seems to me that. Maybe we don't know what the full impact of this is. Not Twitter are still investigating this, but judging by the actions, the attacker took i. it seems like they were actually under some time constraints because they did try to sell access to some of these accounts on an external an underground forum. And later pretty quickly moved onto actually sending out this. BITCOIN SCAM so since we're actually under some time. Pressure otherwise. I would expect them to do exactly as you said. Hang around a little bit planned and coordinated this attack. Keep in mind that when you have access to something as important as an admin panel. You know that at some point somebody will detected on. Somebody will put the brakes on that so I think that he had to engage pretty fast. You think it's a one off a tie. For this specific case, yes, will attackers stopped looking for these type of? No way that's that's what they're looking for all right. Thanks for your time.

Twitter FBI Twenty Twenty Administrator Officer Toya
Trump's Niece Wins Legal Battle Over Tell-All Book

MSNBC Rachel Maddow (audio)

02:35 min | 2 months ago

Trump's Niece Wins Legal Battle Over Tell-All Book

"The trump administration gave Michael Cohen Choice. Sign this paper, saying you won't write a book or go back to prison. Silence or prison. Your choice then there's the book by Donald Trump's niece slated for official publication tomorrow Donald. Trump and his family have been in court up through today, trying to block the book from being published and Block Mary trump from saying anything about the book. which feels ridiculous because you probably feel like you've already read it, since just about every media outlet on the planet has gotten a copy and dissect it already. Well this evening. Donald Trump and his family lost that court fight a New York State Supreme Court Judge rejected. The trump families attempt to block the book ruling that quote the potential enormous cost and logistical nightmare of stopping the publication, recalling and removing. Thousands of books from all types of booksellers, brick and mortar and virtual libraries and private citizens is an insurmountable task at this time. The judge then quotes a different judge in another case Donald. Trump lost when he tried to block the publication of his former National Security Advisor John Bolton's book quote by the looks of it. The horses not just out of the barn. It is out of the country. Mary Trump's book can go forward and also married is now free to speak publicly about it. which should be interesting, so Michael Cohen's Book Mary Trump's book. The president his family his White House doing everything they can to prevent the from coming out up to and including sending Michael Cohen back to prison, but today we learned about a third book. Now see if you can spot the difference today. Today. The Justice Department released the actual executive order commuting the prison sentence of Roger. Stone he can see the president's unmistakable sharpie signature there. The president commuted his old friend sentence on Friday night, but it's not clear how broad the commutation was. In fact, the judge in stones case demanded to see the actual order to determine whether it covered stones, prison, time or his probation as well well. Now, we know that the president took care of everything. His Old Friend Prison Time supervised released twenty thousand dollar. Fine all of it poof gone. And today Roger Stone announced that he celebrating by. Writing a book. That's right, so if you testify unflattering Lee about the president, and you try and write a book you get to get the go back to prison. If you withhold information from Congress and prosecutors to protect the president, you get your prison sentence erased, and you can publish to your heart's content.

Donald Trump Mary Trump President Trump Michael Cohen Roger Stone New York State Supreme Court Stones Congress LEE Justice Department John Bolton White House Official Advisor National Security Executive
From Ransomware To Blackmail, With Assaf Dahan

Malicious Life

06:21 min | 3 months ago

From Ransomware To Blackmail, With Assaf Dahan

"We're GONNA talk in this. You know short conversation that we're going to have about one particular topic which I found as I said very interesting. And that's the shift from ransomware to blackmail a very new development in in ransomware, so let's start from the basics. What's the basic difference between ransomware or a ransom and blackmail? So it's a very good question, so we'll start with some definitions a nuances in the English language before we dive into our world of ransomware. So a ransom is a sum of money that is paid to in order to release the captive which could be a person. It could be an encrypted file for that matter. Right whereas black male is. A criminal offence where there's a payment or benefit that is. Paid in return for the criminal, not to reveal compromising damaging information about the victim, so that's an interesting nuance to keep in mind now when it comes to our world of of ransomware. What we've been seeing that the ransomware operators, the several criminals are facing some problems, sometimes with the getting the money getting paid, not that could be because of a legal or ethical reservations or restrictions. Some organizations are prohibited from paying a ransom to cybercriminals cyberterrorists. The mental agencies I'm guessing. For instance, there's a lot also ethical issues some organizations believe that these they pay you know it doesn't stop the attackers from coming back and demanding more ransom, so it's no never ending of vicious cycle of. Payment plus you're never totally sure that. Even if you do pay the money, you'll get information back so. Excellently. and. Also in recent years since the surge of ransomware out, we see a lot of organization actually. Implementing good backups and disaster recovery plans, so a lot of the organizations can partially or even fully recover their data without pain. So ransomware operators needed to find a clever way into making the victims pay in a way to twist the victim's arm into pain, and here comes the black man part, so what they're. Is Not only their encrypting the data, but before the encrypted, or even after they xl trait, ridiculous amounts of sensitive data about the company about the financial. statements employees customers data super sensitive information. That is under almost every regulation. A you know a company like that would be fine if if the if the information got out. Right and also, there's a reputational damage. There's a lot of collateral damage there, so what we've been seeing. Is that a lot of ransomware operators such as rebel group. Maize and other type of prominent to ransomware are doing this shift in day they now have like blogs into dark net such as that happy blog of rival where they each day almost dare auctioning data of other victims basically starting price ranges US usually between like. Twenty thousand dollars to fifty thousand dollars, and it goes up and up and up and up so you mean they're auctioning data from companies which refuse to pay the blackmail, and now they're making money off of auctioning that same black male data. Yes this is so clever? variously clever but very clever. So if you didn't WANNA pay us at the beginning to recover your files. NO PROBLEM WE'RE GONNA auction it. We're going to offer it to the highest bidder so way. They're twisting. They're victims are into paying so a lot of the companies will do it covertly like there. There's also the question of whether you pay or or don't pay and a lot of companies. Even if they paid, they tried to make it very hush hush. And that way you know, it's very hard not to pay You have all this data about your customers about your intellectual property about your financial statements, all of that if it's know out there up for grabs for for the highest bidder. You WanNa. Make sure that you pay. That ransom were black. Mufi, do we know? Oh, can we estimate what percentage of the companies choose to pay versus those who choose not to pay the blackmail? while. It's very difficult to estimate because as I mentioned before. Is probably not the proudest moment of a company when they have to. Pay a ransom some of them. Even if they're paying the rent some eventually they wouldn't admit it do it. hush-hush manner because of searing legal event reputational damage so even if companies do pay. Very little will actually admit it. So we can't really really know what's going on out there. But we can now is that a lot of people are a lot of organizations do pay and just because if you track down, you know bitcoin wallets, and you see you know crypto currency currency transactions. You can see that you know. The wallets of the cybercriminals especially ransom where operators is is increasing. Their annual revenues exceed even billion dollars in some years. So amazed that someone has to pay. This money cannot all come from individuals. Usually the bigger pay-outs come from companies and organizations is where the real money is

Ransomware United States Mufi
"twenty thousand dollar" Discussed on Biz Talk Radio

Biz Talk Radio

05:25 min | 1 year ago

"twenty thousand dollar" Discussed on Biz Talk Radio

"Coping show talking about our listeners most fabulous incredible Craigslist and good will not just home decorating but also stuff that they've incorporated into their work in their careers cars all kinds of stuff because it's crazy the feedback I've received from our listeners coast to coast has blown me away before the break we talked about Cinco who does her entire thing she does a ton of entertaining China cost the world it often breaks a lot of times you don't overspend Ford she has got she's got this incredible collection the pictures just blow you away that she has put together often times huge that's for free on Craigslist and another thing talking about with regards to entertaining and you're talking about you know getting people in your house you want things to look nice we'll talk about the silverware we talked about crystal all kinds of things that you think you've got to spend huge amounts of money on with two sides guys Craigslist and good will simply not the case I love this stuff keep the great ideas coming so again people could sprint could spend hundreds if not thousands getting it for next to nothing and sometimes getting it for nothing itself Josh Josh Josh listening in from Texas where you coming McAllister beautiful stuff he is rehabbing a twenty thousand dollar camper charming too little thing that he got for nine hundred dollars a twenty thousand dollar camper that he got for nine hundred dollars on Craig's list it's beautiful it needed a huge cleaning there are so many houses that are like that he has cleaned out the entire camper now it's time for the fun part he's getting out the staple gun he's going to Craig's list for fabrics and he has been handed he showed me the pictures and again I know these numbers when it comes to fabrics the good tough strong durable home decorating fabrics you need for a camper and we're talking about stuff that can easily retail for fifty Bucks a yard he has gotten hundreds of dollars worth of fabric for fifty Bucks on Craig's list any says he also show me stuff you got I'm getting the same thing at his local good will once in a while good willing Craig's list or like anything else you'll either find truck loads of this stuff or you find nothing it's feast or famine so it's kind of like a fun hunt that you want to do get yourself online get together for these very yes get your new best search online going able feed you straight to your email it will feed you exactly what you want to know it's brilliant so Josh it's gorgeous I want to see a picture after the fact he's currently rehabbing the little so flood the bed the bathroom the kitchen it's going to be gorgeous show me everything I want to see all the before and afters keep me updated so again always go for the high quality fabrics you not go cheap on yourself guys it will come back to bite you you want the highest quality when it comes to the metal when it comes to the paint when it comes to your fabrics when it comes to everything else you deserve the best you simply deserve to pay about ninety percent less for it I love this stuff absolutely love it you guys ever thought about doing camper I'm not a camper type person you guys know this you're shaking their heads yes all right I'm not the camping type but I'm so when all of people who are and when they take the next step and they invest in a camper that they can then enjoy with their family I'm dazzled by that you guys heard about our trip to New York with a fabulous time no camping involved that's my idea of roughing it and we did it for a fraction of the cost usual trip to New York can go back to pass podcasts for that total fun right next up Stephen cue from fort Lauderdale sent me this picture he's re doing he retired down there god bless you Steven Q. it is hot here in the Philadelphia area it's got to be like living next to a volcano hot in fort Lauderdale so stay cool crank the AC and keep these great fabulous projects going he had an entire living room he had to do before in his last house he had no living room he had a little family room kitchen whatever else his retirement house he's got a live the family room so he's putting together side tables coffee tables so because everything else he wanted things to match he found all these various pieces different times different places Craigslist Craigslist the free list on Craig's list as well as local goodwill nothing matched different colors so he kind of United them if you will with this pretty cool looking these are not colors I would have picked but they came together pretty darn good black spray paint all right ended gold paint pen to detail the drawer fronts it looks pretty darn cool then he took the usual of the same types of fabric covers that I have for my so close in my own living room my family room I should say and he went with this dark blue to go with the black tables with the gold edging and and these great really I mean his bold pops of color I love this and it costs next to nothing and that the lacquer look finish that I'm looking at here is simply restore him spray paint and I got to tell you something I worked with a lot of spray paint in my time whether it was with the swing set or with porch furniture or with stuff for the kids or whatever else was still young free plug here they're the ones that never seem to clog up on me I've done it with fabric paint it clogs up with other types of pain a clogged up restore you pretty much comes through now watch the next can't arrest only will clog up on me I'm hoping not but honest to god if you want to go out there have a little fun with it just have some faith in your talents it's totally fine and when you look at it and you're looking at furniture that you.

Craigslist twenty thousand dollar nine hundred dollars ninety percent
"twenty thousand dollar" Discussed on CRYPTO 101

CRYPTO 101

03:59 min | 1 year ago

"twenty thousand dollar" Discussed on CRYPTO 101

"She started out with the bag crypto podcasts of summer two thousand seventeen what did you expect? When you started this and win doesn't seventeen was ramping up to be twenty thousand dollar bitcoin. Like, it was how did you react to that? We didn't expect you know, the reception we got law. We thought hey, we're just going to we're really fascinated with crypto. We're gonna put on a show and talk about it. Maybe a few people will listen and it took off so fast. Like, whoa. You know, I've had this happen to me multiple times in my career where there's something that you try that just resonates with people, and you'd never expect it you never see it come in. We never would have guessed that it would have been as popular as it had become as quickly as it had become. But you know, we were all on this wild ride. I feel like it wasn't just a how we were delivering content timing had something to do with it. And it turned out that crypto roller head ready caught the track that. Was going up and we had the opportunity to ride that. And we were all like with our hands in the air. Go. You always from the beginning. Got great guests on the show. What do you attribute that to is it from your marketing background or just, you know, your star power or just the due-diligence of going in there find the right people and saying please come on the show or was it just because the backup to has popped off so quickly. I would say this. I would say that we just reach out to people, you know. So maybe tween Jolan. I we've been social media for a long time. And we've got a lot of connections. And I've had a podcast. I was the co host for the technology podcast. I also hosted the venture beat podcast. So I don't I have no problem rates now to anyone, you know, what I've discovered is that if you ask most people most people will say, yeah, if you ask the right people come on your show. They're like cool. Yeah. I'll come on shock on your podcast in. So I think that's one thing. That's always been is that you know, what if you ask somebody? The worst thing they can do say, no or maybe they'll say, they'll do it later or maybe they the maybe they're not interested. So I think it's a matter of us is grabbing a bull by the horns and saying, hey, wanna be on our show. And then they said, yeah. So I do also want to say this. We are a a much older podcast in you is you started on July twenty first two thousand seventeen in. We started on July eighteenth two thousand seventeen to know. To know where your dad respect your elders junior. Yes, sir. Yes, sir. Ze Zir is. So funny Joe said, oh, he's going through gender reassignment. You're like, oh, congratulations. Like he like literally like was like accepting that as real nice. Yes. That was yes. And we were improving and. No judgment here from crypto went to one. We try to stay as neutral as possible gents with this roller coaster of a ride that you guys had with podcast. You saw the bull. You saw the bear were in a bear right now. We've talked offline from the peak. Our numbers were just you know, skyrocketing they've probably cut probably by fifty or sixty percent. However, you handling the fluctuation in the numbers the mobile older maturing audience of bad crypto podcast. I mean before they were the you're the on ramp is well to off things crypto just like crypto one. And now you see that your audience is now turning into maybe one or two or to a ones in old-timers yet. What we cry a lot? You know, we hug it out. And that's because it's been a rough ride crypto sucks right now. Giving. Actually, my therapist accepts crypto. I think that's good. I think what's happened is during the hype of the bull run in the media frenzy, you had everybody in their grandma and their dog that was you know, how bitcoin bitcoin bitcoin, and then you know, it fell off and and people lost money and the media stop talking about it in the people that are listening to our show..

Joe Ze Zir twenty thousand dollar sixty percent
"twenty thousand dollar" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

03:54 min | 1 year ago

"twenty thousand dollar" Discussed on NewsRadio 1080 KRLD

"Well, how much of the one hundred twenty thousand dollar income is yours. It's a hundred percent one. Okay. It's only a one Lincoln. Mom single. Okay. So you're okay. So you're gonna have zero income. Yes. For a little while. Okay. Hopefully, not long, but. Yup. I've thought about working the remainder of this year, take my income and just piling it straight into the principles with which is what I've been doing. Not not a bad idea. Get yourself in a better position. Because obviously if you're gonna go to zero income you've got to have an emergency fund still sitting there, and if you got the house paid off to then that creates your creates a different level of staying power to get the business to get the insurance business off the runway to get to lift off, right? Yeah. That's that's one. I'm on do. I think working the rest of the year is probably a really good idea and just just knocked that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement life insurance question. I married my husband's military retired. And I'll be doing is working on hobbies kid is going to college next year. She has RJR bills. So she's she said, we're currently debt free. We decided to snowball and pay up forty five thousand dollars, and we did it in twelve months on the house the saw from credit cards. Our take home is eighty six hundred dollars about one hundred and four year right now hover. I'm retiring in a year with the military, and I don't take our income down to fifty six hundred or sixty seven thousand a year. Guaranteed monthly checks, and according to my calculation, no one's going to have to work. So we can only be can do suicide hostels and be just fine. I'm fifty eight and he's fifty he has the survivor benefit plan on him, which if he passes would give me fifteen hundred dollars a month, and he has about one hundred twenty and the TSP 4._0._1._K is this enough were hit consider him, self insured. It's up to you. Can you live on what you're left with? With no life insurance. It should keep me about the same of where I am. Okay. So the survivor benefit, and the fact that you're debt free, and the fact that kids college is covered. Put you in a position that you can live on comfortably. What what would have coming in? Then that's the answer. I mean, can you live off the income that you have coming in and the and the income off the assets that you have coming in. And if you can then yourself insured, that's where amounts to especially in this case. And so is he disabled? Nope. Luckily, he didn't get injured while he was overseas, but he fully recovered, so not not disabled. He just likes to be retired. He just told around making things, and then he feels. Woodworking. Right. That's fine. Whatever you wanna do. He has a life expectancy of forty five more years. Two putts around. I don't I don't that's just kind of strange. But if that's only wants to do that's fine. It's it's appreciate you got serving the country. And appreciate that. You've got that wonderful retirement. That's awesome. But it's it's kind of sad to just quit at age fifty and not contribute. Anything else to your life or the life of others? Saying go take a job you hate. But just to sit on.

Dave Ramsey Lincoln Toledo one hundred twenty thousand do forty five thousand dollars eighty six hundred dollars fifteen hundred dollars hundred percent twelve months four year
"twenty thousand dollar" Discussed on WBT Charlotte News Talk

WBT Charlotte News Talk

03:52 min | 1 year ago

"twenty thousand dollar" Discussed on WBT Charlotte News Talk

"How much of the one hundred twenty thousand dollar income is yours. Percent one. Okay. It's only a one income. I'm single. Okay. So you're okay. So you're going to have zero income. Yes. For a little while. Okay. Hopefully, not long. But yeah. About working remainder of this year, take Mike, and then this piling it straight into the principles with which is what I've been doing. Get yourself in a better position. Because obviously if you're gonna go two zero income you've got to have an emergency fund still sitting there, and if you got the house paid off to then that just creates your creates a different level of staying power to get the business to get insurance. Business off the runway to get to lift off, right? Yeah. That's that's one. I'm on do. I think work in the rest of the year is probably a really good idea and just knocked that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement life insurance question. I'm married. My husband's military retired. And all he's doing is working on his hobbies. Our kid is going to college next year, she has RJR bills. So she's she said, we're currently debt free. We decided to snowball and pay up forty five thousand dollars, and we did it in twelve months on the house. The saw some credit cards. Our take home is eighty six hundred dollars about one hundred and four year right now. However, I'm retiring in a year with the military, and I don't take our income down to fifty six hundred sixty seven thousand a year. Guaranteed monthly checks, and according to my calculation, no one's going to have to work. So we can only do some side hustles me just fine. I'm fifty eight and he's fifty he has the survivor benefit plan on him if he passes we'd get me fifteen hundred dollars a month. And he has about one hundred twenty the TSP 4._0._1._K is this enough were consider him, self insured. So to you can you live on what you're left with. Life insurance? It should keep me about the same of where I am. Okay. So the survivor benefit the fact that you're debt free, and the fact that kids college covered. Put you in position that you can live on comfortably. What what you would have coming in? Then that's the answer. I mean, can you live off the income that you have coming in and the and the income off the assets that you have coming in. And if you can then you're self insured. That's worked amounts to especially in this case. And so is he disabled? Nope. Luckily, he didn't get injured while he was overseas, but he fully recovered, so not not disabled. He just likes to be retired. He just told around making things, then he shells. Woodworking. That's fine. Yeah. Whatever you wanna do. Here's a life expectancy of forty five more years. Two putts around. I don't I don't that's just kind of strange. But if that's only wants to do that's fine. It's it's appreciate you got serving their country. And appreciate that. You've got that wonderful retirement. That's awesome. But it's it's kind of sad that he just quit at age fifty and not contribute. Anything else to your life or the life of others? I'm not saying go take a job. You hate.

Mike Dave Ramsey Toledo one hundred twenty thousand do forty five thousand dollars eighty six hundred dollars fifteen hundred dollars twelve months four year
"twenty thousand dollar" Discussed on 106.1 FM WTKK

106.1 FM WTKK

01:40 min | 1 year ago

"twenty thousand dollar" Discussed on 106.1 FM WTKK

"How much of the one hundred twenty thousand dollar income is yours. It's a hundred percent, okay. It's only a one income. I'm single. Okay. So you're oh, okay. So you're going to have zero income. Yes. For a little while. Okay. Hopefully, not long, but. I thought about working the remainder of this year, taking my income and just piling it straight into the principles with which is what I've been doing. Yeah. Not a bad idea. Get yourself in a better position. Because obviously if you're gonna go to zero income you've got to have an emergency fund still sitting there. And if you got the house paid off to than that just creates your creates a different level staying power to get the business to get the insurance business off the runway to get to lift off, right? Yeah. That's that's one. I'm on do. I think working the rest of yours probably a really good idea and just knock that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement life insurance question. I married my husband's military retired. And all these doing is working on his hobbies are kids going to college next year. She has RJR bills. So she's she said, we're currently debt free. We decided to snowball and.

Dave Ramsey Toledo one hundred twenty thousand do hundred percent
"twenty thousand dollar" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

03:53 min | 1 year ago

"twenty thousand dollar" Discussed on NewsRadio 1080 KRLD

"Well, how much of the one hundred twenty thousand dollar income measures. It's a hundred percent one. Okay. And. It's only a one income. I'm single. Okay. So you're okay. So you're going to have zero income. Lincoln. Yes. For a little while. Okay. Hopefully, not long, but. Yup. I'm not about work in the remainder of the sheer taking my income and just piling straight into the principles, which is what I've been doing. Yeah. Get yourself in a better position. Because obviously if you're gonna go to zero income you've got to have an emergency fund still sitting there, and if you got the house paid off to then that creates a different level of staying power to get the business to get the insurance business off the runway to get to lift off, right? Yeah. That's that's one. I'm on do. I think working the rest of the year is probably a really good idea and just knocked that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement life insurance question. I'm married. My husband's military retired. And all these doing is working on his hobbies are kids going to college next year. She has RJR bills. So she's she's sat or currently debt free. We decided to snowball and pay up forty five thousand dollars, and we didn't on the house the salmonella from credit cards. Our take home is eighty six hundred dollars about one hundred and four year right now over I'm retiring in a year with the military, and I don't take our income down to fifty six hundred or sixty seven thousand a year. Guaranteed monthly checks. According to my calculation. No one's going to have to work. So we can only be can do suicide hustles may just fine. I'm fifty eight and he's fifty he has the survivor benefit plan on him, which if he passes we'd get fifteen hundred dollars a month, and he has about one hundred and twenty and the TST 4._0._1._K is this enough were hit consider him, self insured. It's up to you. Can you live on what you're left with? With no life insurance. It should keep me about the same of where I am. Okay. So the survivor benefit the fact that you're debt free. And the fact that kids college is covered. Put you in a position that you can live on comfortably. What what would have coming in? Then that's the answer. I mean, can you live off the income that you have coming in and the and the income off the assets that you have coming in. And if you can then you're self insured, that's what amounts to especially in this case. And so is he disabled? Nope. Luckily, he didn't get injured while he was overseas, but he fully recovered, so not not disabled. He just likes to be retired. He just tolls around making things, and then he shells. Woodworking. That's fine. Yeah. Whatever you want to do. He has a life expectancy of forty five more years. Two putts around. I don't I don't that's just kind of strange. But if that's all he wants to do. That's fine. It's it's appreciate you got serving the country and appreciate the you've got that wonderful retirement. That's awesome. But it's it's kind of sad to just quit at age fifty and not contribute. Anything else to your life or the life of others? Not saying go take a job. You hate to.

Dave Ramsey Lincoln Toledo one hundred twenty thousand do forty five thousand dollars eighty six hundred dollars fifteen hundred dollars hundred percent four year
"twenty thousand dollar" Discussed on KTAR 92.3FM

KTAR 92.3FM

03:53 min | 1 year ago

"twenty thousand dollar" Discussed on KTAR 92.3FM

"Well, how much of the hundred twenty thousand dollar income is yours. It's one hundred percent one. Okay. And. It's only a one income. Mom single. Okay. So you're oh, okay. So you're going to have zero income. Lincoln. Yes. For a little while. Okay. Hopefully, not long. But yeah. I've thought about working remainder of this year, take my income and just piling it straight into the principles with which is what? Not not a bad idea. Get yourself in a better position. Because obviously if you're gonna go to zero income you've got to have an emergency fund still sitting there, and if you got the house paid off to then that creates a different level of staying power to get the business to get the insurance business off the runway to get to lift off, right? Yeah. That's that's one. I'm on do. I think working the rest of the year is probably a really good idea and just knocked that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement life insurance question. I'm married and my husband's military retired. And all these doing is working on hobbies our kids going to college next year, she has RJR bills. So she's she said, we're currently debt free. We decided to snowball and pay up forty five thousand dollars. We did it in twelve months on the house. The saw some credit cards. Our take home is eighty six hundred dollars about one hundred and four year right now. However, I'm retiring in a year with the military, and I don't take our income down to fifty six hundred or sixty seven thousand a year. Guaranteed monthly checks. According to my calculation. No one's going to have to work. So we can only be can give you some side. Hustles me, just fine. I'm fifty eight and he's fifty he has the survivor benefit plan on him. If he passes would give me fifteen hundred dollars a month, and he has about one hundred twenty and the TST 4._0._1._K is this not were consider him himself, insured. It's up to you. Can you live on what you're left with? No life insurance. It should keep me about the same of where I am. Okay. So the survivor benefit the fact that you're debt free. And the fact that kids college is covered. Put you in a position that you can live on comfortably. What what would have coming in? Then that's the answer. I mean, can you live off the income that you have coming in? And the the income off the assets that you have coming in. And if you can then you're self insured, that's where amounts to especially in this case. And so is he disabled? Nope. Luckily, he didn't get injured while he was overseas, but he fully recovered. So he's not disabled. He just likes fee retired. He just told around making things, and then he shells. Yeah. Woodworking. That's fine. Yeah. Whatever you wanna do. Here's a life expectancy of forty five more years. Two putts around. I don't I don't. That's just kind strange. But if that's all he wants to do. That's fine. It's it's a appreciate you got serving our country. And appreciate that. You've got that wonderful retirement. That's awesome. But it's it's kind of sad that it just quit at age fifty and not contribute. Anything else to your life or the life of others rustling, go take a job? You hate to.

Dave Ramsey Lincoln Toledo hundred twenty thousand dollar forty five thousand dollars eighty six hundred dollars fifteen hundred dollars one hundred percent twelve months four year
"twenty thousand dollar" Discussed on KSFO-AM

KSFO-AM

03:52 min | 1 year ago

"twenty thousand dollar" Discussed on KSFO-AM

"Well, how much of the hundred twenty thousand dollar income is yours. It's one hundred percent, okay. It's only a one income. I'm single. Okay. So you're oh, okay. So you're going to have zero income. Yes. For a little while. Okay. Hopefully, not long. But yeah. I've thought about working remainder of this year, take my income and just piling it straight into the principles with which is what I've been doing not. Yeah. Get yourself in a better position. Because obviously if you're gonna go to zero income you've got to have an emergency fund still sitting there. And if you got the house paid off to the. Creature different level of staying power to get the business to get the insurance business off the runway to get to lift off, right? Yeah. That's that's one. I'm on do. I think work in the rest of the year is probably a really good idea and just knocked that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement life insurance question. I'm married. My husband's military retired. And all doing is working on hobbies our kids going to college next year, she has RJR bills. So she's she's said or currently debt free. We decided to do the snowball and pay up forty five thousand dollars in twelve months on the house the sawmill from credit cards. Our take home is eighty six hundred dollars about one hundred and four year right now over I'm retiring a year with the military, and I don't take our income down to fifty six hundred sixty seven thousand a year. Guaranteed monthly checks. According to my calculation. No one's going to have to work. So we can only be can do some side hustles and be just fine. I'm fifty eight and he's fifty he has the survivor benefit plan on him. If he passes would give me fifteen hundred dollars a month. And he has about one hundred twenty in the TST 4._0._1._K is this enough were consider him, self insured. Up to you. Can you live on what you're left with? It should keep me about the same of where I am. Okay. So the survivor benefit the fact that you're debt free, and the fact that kids colleges covered. Put you in position that you can live on comfortably. What what they have coming in? Then that's the answer. I mean, can you live off the income that you have coming in and the income off the assets that you have coming in. And if you can then you're self insured, that's where amounts to especially in this case. And so is he disabled? Nope. Luckily, he didn't get injured while he was overseas. But he fully recovered so. Nope, he's not disabled. He just likes to be retired. He just told around making things, and then he feels. Yeah. Woodworking. Right. That's fine. Yeah. Whatever you wanna do. Here's a life expectancy of forty five more years two putts around. That's just kind of strange. But if that's only wants to do that's fine. It's it's appreciate you got serving our country. And appreciate that you got that wonderful retirement. That's awesome. But it's kind of sad to just quit at age fifty and not contribute. Anything else to your life or the life of others? I'm not saying go take a job you hate..

Dave Ramsey Toledo hundred twenty thousand dollar forty five thousand dollars eighty six hundred dollars fifteen hundred dollars one hundred percent twelve months four year
"twenty thousand dollar" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

03:53 min | 1 year ago

"twenty thousand dollar" Discussed on NewsRadio 1080 KRLD

"Well, how much of the one hundred twenty thousand dollar income is yours. One hundred percent one. Okay. It's only a one income. I'm single. Okay. So you're oh, okay. So you're going to have zero income. Lincoln. Yes. For a little while. Okay. Hopefully, not long. But yeah. I've thought about working the remainder of the sheer taking my income and get straight into the principles, which is what I've been doing. Yeah. Not a bad idea. Get yourself in a better position. Because obviously if you're gonna go to zero income you've got to have an emergency fund still sitting there, and if you got the house paid off to then that that just creates your creates a different level of staying power to get the business to get the insurance business off the runway to get to lift off, right? Yeah. That's that's one of my day. I think working the rest of the year is probably a really good idea and just knock that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement like insurance question. I'm married. My husband's military retired. And all these doing is working on his hobbies are kids going to college next year. She has RJR bills. So she's she said, we're currently debt free. We decided to do this no ball and pay up forty five thousand dollars. And we did it in twelve months on the house the saw Mel from credit cards. Our take home is eighty six hundred dollars about one hundred and four year right now harbor. I'm retiring in a year with the military, and I don't take our income down to fifty six hundred or sixty seven thousand a year. Guaranteed monthly checks, and according to my calculation, no one's going to have to work. So we can only be can just do some side hustles a may just fine. I'm fifty eight and he's fifty he has the survivor benefit plan on him, which if he passes we'd get fifteen hundred dollars a month, and he has about one hundred and twenty and the TST 4._0._1._K is this enough were to consider him, self insured. It's up to you. Can you live on what you're left with? No life insurance. It should keep me about the same of where I am. Okay. So the survivor benefit the fact that you're debt free. And the fact that kids college is covered. Puts you in a position that you can live on comfortably. What what would have coming in? Then that's the answer. I mean, can you live off the income that you have coming in the the income off the assets that you have coming in. And if you can then you're self insured, that's where amounts to especially in this case. And so is he disabled? Nope. Luckily, he didn't get injured while he was overseas, but he fully recovered, so not not disabled. He just likes to be retired. He just told around making things, then he shells. Yeah. Woodworking. That's fine. Yeah. Whatever you want to do. Here's a life expectancy of forty five more years. Two putts around. I don't that's kind of strange. But if that's only wants to do that's fine. It's it's appreciate you got serving their country. And appreciate the you've got that wonderful retirement. That's awesome. But it's kind of sad that it just quit at age fifty and not contribute. Anything else to your life or the life of others saying go take a job you hate to.

Lincoln Mel Dave Ramsey Toledo one hundred twenty thousand do forty five thousand dollars eighty six hundred dollars fifteen hundred dollars One hundred percent twelve months four year
"twenty thousand dollar" Discussed on Talk 650 KSTE

Talk 650 KSTE

03:53 min | 1 year ago

"twenty thousand dollar" Discussed on Talk 650 KSTE

"Well, how much of the one hundred twenty thousand dollar income is yours. One hundred percent one. Okay. It's only a one income. Mom single. Okay. So you're okay. So you're going to have zero income. Yes. For a little while. Okay. Hopefully, not long. But yeah. I thought about the remainder of this year, take my income and just piling it straight into the principles with which is what I've been doing. Yeah. Not a bad get yourself in a better position. Because obviously if you're gonna go to zero income you've got to have an emergency fund still sitting there. And if you got the house paid off to the not that just creates your creates a different level of staying power to get the business to get the insurance business off the runway to get to lift off, right? Yeah. That's that's one. I'm on do. I think working the rest of the year is probably a really good idea and just just knock that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement life insurance question. I married my husband's military retired. And all he's doing is working on his hobbies are kid is going to college next year. She has RJR bills. So she's she said, we're currently debt free. Snowball and pay up forty five thousand dollars, and we did it in twelve months on the house, the sawmill from credit cards are take home is eighty six hundred dollars about one hundred and four year right now. However, I'm retiring in ear with the military, and I don't take our income down to fifty six hundred sixty seven thousand a year. Guaranteed monthly checks. According to my calculation. No one's going to have to work. So we can only be can do some side hustles and be just fine. I'm fifty eight and he's fifty he has the survivor benefit plan on him, which if he passes we'd get fifteen hundred dollars a month. And he has about one hundred twenty in the four one K is this were consider him, self insured. It's up to you. Can you live on what you're left with? With no life insurance. It should keep me about the same of where I am. So the survivor benefit the fact that you're debt free, and the fact that kids college is covered. Put you in a position that you can live on comfortably. What what would have coming in? Then that's the answer. I mean, can you live off the income that you have coming in the income off the assets that you have coming in. And if you can then you're self insured, that's where amounts to especially in this case. And so is he disabled? Nope. Luckily, he didn't get injured while he was overseas, but he fully recovered, so not not disabled. He just likes to be retired. He just told around making things. Yeah. Woodworking. Right. That's fine. Yeah. Whatever you wanna do. Here's a life expectancy of forty five more years. Two putts around. I don't I don't that's just kind of strange. But if that's only wants to do that's fine. It's it's a appreciate you got serving the country. And appreciate that you got that wonderful retirement. That's awesome. But it's it's kind of sad just quit at age fifty and not contribute. Anything else to your life or the life of others? And go take a job you hate. But just.

Dave Ramsey Toledo one hundred twenty thousand do forty five thousand dollars eighty six hundred dollars fifteen hundred dollars One hundred percent twelve months four one K four year
"twenty thousand dollar" Discussed on WLAC

WLAC

01:34 min | 1 year ago

"twenty thousand dollar" Discussed on WLAC

"Hundred twenty thousand dollar income is yours. One hundred percent one. Okay. It's only a one income. Mom single. Okay. So you're okay. So you're going to have zero income. Lincoln. Yes. For a little while. Okay. Hopefully, not long. But yeah. Thought about the remainder of this year, take my income and just get straight into the principles with which is what I've been doing. Not a bad idea. Get yourself in a better position. Because obviously if you're gonna go to zero income you've got to have an emergency fund still sitting there. And if you got the house paid off to the that just create your creates a different level of staying power to get the business to get the insurance business off the runway to get to lift off, right? Yeah. That's that's one. I'm on do. I think working the rest of the year is probably a really good idea and just just knock that mortgage on out and because you're you're an aggressive saver. You have the ability to do that. And we can go from there. That's what I would do. Hey, thanks for the call open phones at triple eight eight to five five two two five and is in Toledo. Hi and welcome to the Dave Ramsey show. Dave. Thank you for taking my call. I have a retirement life insurance question. I married. My husband's military retired. And all these donors working on hobbies. Our kid is going to college next year, she has RJR bills. So she's she said or.

Lincoln Dave Ramsey Toledo Hundred twenty thousand dollar One hundred percent
"twenty thousand dollar" Discussed on KDWN 720AM

KDWN 720AM

02:03 min | 2 years ago

"twenty thousand dollar" Discussed on KDWN 720AM

"We always start with a view of your credit report. That's. Respectfully. That is where it all begins and most people. Most folks that are out there. Listen, I don't care if you get a little finance in your background, or you think you understand credit your understanding of your credit versus what the credit bureaus and the Furniture's of information are saying is oftentimes vastly different. I'll have people call and say, well, I've got just a couple of things a couple little things on my credit that are creating problems. And I'll say we'll explain those things to me. Well, you know, had a credit card a little credit card that went into the fault a couple of years ago, and then went to collection is this little thing. And I had a medical Bill thing. All these little things add up to two big things. And ultimately, I don't care whether you had a two hundred dollar credit card that went into default or twenty thousand dollar credit card that went into default. The reality is is that of the fault account is defaulted account. It carries very similar weight in terms of the algorithms and the scoring. So. This is why we start with an actual view of your report analysis if you will. This allows us to actually take a look at it and see first and foremost, I don't know. It sounds funny because we're in the business of of of fixing credit, and it's how we make money. That's how we do. Our thing. The reality is is that there are people that we can't help or that over time. You reports just gonna organically get better, or there are some things that you can do when you're there may be a reason that we're kind of pushing you. To to not do this. And and that is. You know, one of those reasons that are things will get better. Or there may be something that that you can handle yourself at at no expense other than the expense of your time. And I get that.

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"twenty thousand dollar" Discussed on KTAR 92.3FM

KTAR 92.3FM

02:26 min | 2 years ago

"twenty thousand dollar" Discussed on KTAR 92.3FM

"First News police have detained. The driver of a car that crashed into barriers outside the UK houses of parliament injuring pedestrians. During rush hour this morning television footage from. The scene showed a silver Ford surrounded by armed police officers and fire engines outside the, parliamentary buildings the seat of the British government authorities say no one isn't a life threatening condition following the crash a. State judges cleared the way for five defendants who were arrested on child abuse charges at a. Remote New Mexico compound to be released pending trial Despite authorities suspicions the group was. Training children to use firearms for an. Anti-government mission the judge said. At twenty thousand dollar bond for each defendant and ordered. That the two men and three women were ankle monitors. Have weekly contact with our attorneys not consume alcohol and have no firearms police raided the squalid makeshift, living compound, near the Colorado. State line, more than a week ago in response to a report of children living in filth severe hunger and other dangers more. Than twenty million people on the east coast, continued to be threatened by dangerous weather. Heavy rain has, triggered flash flood emergencies in parts of New Jersey and Pennsylvania Lee heightened fire chief Patrick Murray says dozens had to be rescued on the, Lehigh river There was one minor NGOs transported to a local hospital residents were. Taken by surprise by how fast the water rose yesterday flooding homes floating cars and. Buckling roads one dramatic rescue in phoenixville west of Philadelphia was caught on tape showing, a twelve year old trapped in. A pile of branches in. New Jersey cars floated away from a dealership that sits near a. River in little falls about twenty miles west of New York City what's good for Tiger Woods is good for the PGA and its TV ratings Sunday's late charged by Tiger Woods at the PGA championship victory by Brooks kept have added up to ratings gold CBS sports says Sunday's action juror rating of six point one up sixty nine percent from last, year it was also the highest final round coverage for the PGA championship in nine years woods hasn't won a major. Since the two thousand eight US open but his presence as a contender is. Certainly driving up viewership. To draw either said I watched it yesterday or Sunday I couldn't Year one of those sixty nine percent. Why knew that on Saturday he was in the running which made it you know, appealing to flip it on and. Watch us Twenty two minutes, now after the hour.

Tiger Woods Lehigh river PGA UK US New Jersey New Mexico phoenixville Ford New York City British government Colorado Patrick Murray CBS Pennsylvania Lee Philadelphia Brooks sixty nine percent twenty thousand dollar
"twenty thousand dollar" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

02:55 min | 2 years ago

"twenty thousand dollar" Discussed on NewsRadio 1080 KRLD

"Is something that many of our listeners are interested in so occasionally we have real estate experts on good morning kathy good morning so what are you seeing right now reality in the trenches what is going on with the real estate market is it softening in certain parts is it overheating i'm worried that the real estate market's gonna get a lot worse because of the trump tax codes property tax not being as deductibles at once was what are you seeing well it always depends on which side of the fence so if you are a buyer and prices often you're you're happy if you own an asset then you maybe we'll be concerned that the values could be declining so it just depends on what you're doing with that asset if you plan to sell it then that would that would be different if your cash flowing it renting and and and cash flows are actually they rents are increasing then then doesn't matter so much there is opportunity and at the same time there are neighborhoods and sections lane or smaller micro neighborhoods where definitely values are at their all time high so you gotta know what you're doing you gotta be careful out there so what are you hearing though i mean are there you work with real estate investors i'm particularly worry about high in real estate because of you have a twenty thousand dollar thirty thousand our property tax bill yes doesn't produce income people are retiring wall street is not as big as it once was so i'm concerned about real estate overall any tips from your boots on the ground people over here well i mean i think you just nailed it times are changing and the fed is tightening and that's that's a reversal of what has been happening over the last decade over the last decade we've seen massive growth in a lot of that was the result of said actions and lower interest rates and and qe quantitative easing that's been reversed and so you have to know that the types are changing and i'm a surfer let's when ties change you better pay attention you know because it will affect you you you just you gotta understand the tighter changing and in our financial world here so you're you're correct that high end real estate is having a slow down a lot of places there's i'm in new york city today what a lovely city it's hot but when i walk when i think of walk if the older grains and all the new development even my my nineteen year old daughter who's with me saying i wanna live here and i have a feeling it's going to be cheaper because look at all the new development whenever you have more supply at ten to put downward pressure on price because there's there's more competition so again if you're looking to buy wonderful if you.

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"twenty thousand dollar" Discussed on Boston Herald Radio

Boston Herald Radio

02:04 min | 2 years ago

"twenty thousand dollar" Discussed on Boston Herald Radio

"Its confidence that i who was imprisoned there as a child i was five years old and and who campaign for an apology from the united states government in the seventies and i testified at the congressional commission gathering information on the internment and in eighteen nineteen eightyeight president ronald reagan officially on behalf of the government apologize for that gossip unconstitutional and play and signed the civil liberties act which pledged a twenty thousand dollar token recompense for that imprisonment and there i was in two thousand seventeen speaking at the library of the man who put us into that those prison camps it's a commentary about this country and its ability to recognize a mistake historic mistake and to apologize for it and for me a prisoner in one of those camps could be speaking at the library of the man who imprisoned us it's america is an amazing country isn't that way i mean do you find it difficult to see statues and libraries erected or do you think as you said the way the country changes it's okay to to have those sort of things but my father would i was a teenager i became very curious about our my childhood in prison and i have many long and sometimes heated after dinner conversations but i learned about american democracy from the man who bore the anguish and rage.

president america united states ronald reagan twenty thousand dollar five years
"twenty thousand dollar" Discussed on Freedom 95 Radio

Freedom 95 Radio

02:03 min | 2 years ago

"twenty thousand dollar" Discussed on Freedom 95 Radio

"If you can handle the landlord part of the equation i think you might be more comfortable in real estate yes sir i have lived at that a little bit i just didn't know whether to pursue that angle which if you'd recommend that or not i mean if you bought like a little hundred twenty thousand dollar rental house pay cash for it it's a bit of it's a bit more hassle but it will return more the mutual funds will return you got some effort you have to put into it and you're gonna have to send a guy over there when the hot water heater goes out and you're going to have to write some checks for the taxes and the insurance and you had fool with tenants and make sure that they pay be kind to them but firm with them and so forth and you know you gotta work through every bit of that stuff but the truth about that is i don't think that'll spook yes sir i don't think you'll wake up in the middle not fretting that house is going to be worth zero and you might wake up in the middle of the night fretting that the stock market is gonna be worth zero again no matter what i say or no matter how much you regret having gotten in and out you still worry about this stuff a lot and so i kinda think that might be better for you i don't know i'm just i'm just listening to you but i'm comfortable with both because i'm going to stay in if trump burps in the market goes down i'm going to buy more or stay in if the market goes up i'm going to buy more or stay in you know i'm just not going away when it comes to real estate or when it comes to investing in mutual funds and you've got to get comfortable with that history and with that being the future if you you have to look at those mutual funds and your mind and your intellect has to say you know ten years from now regardless of what happens with clinton or trump or mcconnell or whoever regardless of what happens when i'm watching on the news.

clinton mcconnell hundred twenty thousand dollar ten years
"twenty thousand dollar" Discussed on Talk Is Jericho

Talk Is Jericho

01:42 min | 2 years ago

"twenty thousand dollar" Discussed on Talk Is Jericho

"Must be like rockstars' like of the artists are the writers are they making big money of this starting to get to that level no not at the time and in part because they didn't own their creations at in time in the famously siegel and shuster who created superman you know they died broke because they sold superman 400 and forty dollars to dc comics back in the day and they had to fight their whole lives to even get like twenty thousand dollar in what will judge would not allow that right i know i either so ridiculous and what company like dc would not just give them was shouting even a milliondollar man i mean come on right yes so was only throat only in the '70s win into the movie was about to come out is so neil adams really spearheaded movie or the superman okay so really spearheaded this effort to shame dc comics into giving them some money so in the ordeal adam shaped to give seats c l siegel and shuster some samah from the yes so they they got a little bit but they still basically died broke you know and so it's a shame so only only in the nineties and you know after the 80s and starting in the nineties did the people really really start to make money like a lot of money i don't know if were you collecting comics in the nineties win that whole boom was going on and no i was up with us explain that though so double that gum what's the big thing that so what's his name to commit mcfarland yet todd mcfarland right it was the his title spiderman so as you what what was the big one that he created the response bond you her that yeah that was a huge thing in the nights ever used on the spot and also was the first kind of a series of action figures i mean i had all the migo dolls when i was a kid i remain superman batman all of them love of that was kind of the creation of of the.

siegel dc comics adam todd mcfarland shuster neil adams twenty thousand dollar forty dollars milliondollar