37 Burst results for "Twenty Thousand Dollars"
Fresh update on "twenty thousand dollars" discussed on The Dentalpreneur Podcast with Dr. Mark Costes
"He's twenty six percentage points away from hitting phase zero wipeouts associates making twenty thousand dollars a month. His own distributions are twenty one thousand. That actually isn't true. He was he was not paying himself for a months prior to joining joining our group because he didn't have the money in the bank account to pay himself and his associate so he has living off his savings and credit cards so his neck net profit was negative. Fifteen thousand eight thirty four. That is not a typo. He was losing fifteen thousand dollars every month. But if you folded his debt service so this is This is kind of a pia now with the with a balance sheet folded over the top of it. His debt service was eighteen thousand dollars per month k so that was going out the doors. Well so he's having to pump in fifteen thousand eight hundred thirty four dollars to keep the practice open every month. Additionally he was having to make eighteen thousand dollar loan payments every single mom saw all told this practice. Even though it was a two point something million dollar practice would appear to be a very vibrant practice from the outside was running being run so poorly that he was losing thirty. Four thousand five hundred sixty four dollars per month if you add debt-service into that so if you look at the fourth column here that read that you see are all areas where he is over spending according to what we would call industry standard or our standards within our organization and we give everybody a score at the end of every single month eighty to a to f a cruise control ahead of the game getting by needs improvement or out of control. He was getting an f minus minus minus based on the score that we gave him And we calculate that score based on the very ins- points above ideal is far as his expenditures. Go so he was getting enough getting enough. Here's what it looked like. He was paying thirty thirty one point six percent of his gross revenue per month on a total payroll which we would completely forgive. However here's where things got crazy crazy. He's spending fifty four point four percent on fixed and variable expenses so his over spending fixed and variable expenses by twenty four point. Four percents And then it said he was paying himself and his associate thirty two point nine percent. That's actually not true because he wasn't paying himself at all although we booked as though he was getting himself because he was taking all of his money that he would have made it his plugging it back into the practice and then so his. His total profitability then was negative eighteen point. Nine percent is losing a lot of money. Okay let's look at a much smaller practice. Remember the other one hundred ninety four thousand per month this one hundred fourteen thousand dollars per month but her total expenses were fifty five thousand and her overhead was forty nine percent per month versus eighty six from the first practice so the variance to overhead was negative six percent. She was already at up. Black belt level sheer a since this time. She's picked up three more practices and she is face four practice now. She's an incredible business arm. Her net.
Could a Silicon Valley startup make geothermal heating cool?
"All this week. We're talking about how technology can help us. Adapt to climate change for our series. How we survive more. People are trying to figure out how to be energy independent to avoid unexpected power. Shut offs and use greener energy for some. It's as easy as drilling a hole. Geothermal energy systems let people heat and cool their homes using energy from the earth. The technology has been around for decades. It's incredibly efficient but fewer than one percent of homes in the us. Use it now. One startup wants to do for geothermal heating what tesla did for the electric car make it cool marketplace tech producers. Stephanie hughes has more when you're used to digging for gold and alaska it's a change in mindset to start working in suburban backyards us is all residential. We're used to virgin ground up in the middle of a swamp in the middle of nowhere that's daniel more. He and his brother zachary are professional drillers now. They installed geothermal heat pumps a lot. More careful and aware of our surroundings versus up there we could just run over the it was no obstructions out there. We were told in your way. Dr wright brothers are in pelham new york installing at geothermal system for the startup daniela energy. The company was born at ex. Google secretive incubation lab daniel off as its own company and is now trying to make it easier for homeowners to install these systems even if the backyard is tiny and the house is a century old that appealed to mike bio stein. Who bought his house last year when we moved in there with no insulation in the house like period. It was basically living in kind of a nice looking tent by elstein insulated and he also wanted to replace the oil burning furnace with more resilient heating system. His local utility offers incentives to homeowners. Who went to install geothermal which uses the earth deep underneath the house as a kind of battery. Thomas cronje leads operations. Dan dylan eucalyptus consistent fifty five degrees fahrenheit. Swell can in the winter. Use that to transfer heat from the ground to our loops and using our homes. Those lips are made of plastic tubes which daniel and installs by drilling down hundreds of feet. Water flows through the tube absorbs energy from the ground and transfers it to a heat pump which then causes it to heat or call the house. Getting that system in place is expensive on average twenty thousand dollars. Dan gives homeowners the option to finance that and they've installed hundreds of system so far kathy hanoun is the president and founder of dandelions the market size could not be bigger because every single building pretty much in the world heats in cool so that's one of the purposes of buildings starbucks was interested in getting dandelions systems into some of its stores and ambulant does want to expand commercial buildings eventually but noone says it's a lot easier to get one or two homeowners on board then everyone involved in a commercial real estate deal marketplace tech producer stephanie hughes
Fresh update on "twenty thousand dollars" discussed on Clark Howard Show
"Is that she accrued approximately twenty thousand dollars in loans. She has not addressed these loans and my assumption is that they have about five percent interest rate bringing the outstanding amount to just under twenty six thousand dollars. What advice would you give her on how to address this. She does not have a great paying job She gets by with gig work and minimum wage jobs. So does she hold out for some sort of forgiveness program. Should she attempt to get current or contact them in order to establish a plan based on income. What do we do the last two things you said are actually the key here. Is i to contact the us department of education or the service or for the loans and try to come current with the loans at the same time you want to go into an income pace repayment option. And don't just to rely and depend on what you're told spend a lot of time at the education department website d dot gov and at dhaka and really understand what your income based repayment options are. And i'm referring to your daughter doing this not you. So since she's doing gig work and part-time work income is quite low the ironic thing under income based repayment options. In many cases she'll be considered to be current even if the formula says she doesn't have to make a payment that month based on her income with income based repayment programs. Depending on the type of work there are various forms of loan forgiveness after a certain number of payments that are on time payments. The shortest cycle is for people in public service or nonprofit work. Police officers firefighters that kind of thing teachers where loan forgiveness in theory is supposed to happen. After ten years for other workers in income based repayment plans is twenty to twenty five years. But if you continued aren't a very low income. It's possible that you'd have to make minimum payments over decades and then have the remainder of the loan balance forgiven. Most important thing is to get in.
Fast Five With Flight School Association Chief Robert Rockmaker
"Could you describe some of the association's goals and and the outcomes? In the early years we're now eleven years old was really focused on building the core foundation of the organization and at the same time working to help bring about some cultural changes that we had identified that were present in the flight training environment in America and I think we've done a pretty good job of meeting some of those early targets. For example, there were numerous occasions where flight schools would take large security deposits from point training. Students. And for whatever reason, and there's many different reasons, the schools, all of a sudden. Close up doors are locked lighter off and the students show up and have no idea what's going on those deposits could be as much as twenty thousand dollars at a time, and unfortunately there was no recourse in almost every situation students were out dead money or their parents route that money it seemed to be more prevalent school that we're doing foreign play training bringing people in from other countries and as you know, America is the leader in training foreign individuals more foreign play training is done in. America than anywhere else. So, what did the association do about that the students forfeiting those deposits? We brought it out and we wrote about it and we wanted people to be aware that it was at least on some people radar in our new website. We actually have that as one of the many checkoff items for the general public to be aware of we're not opposed to having security deposit or an advanced deposit because some flight schools will offer a discount if you put down some additional moneys versus just paying by the hour but I, think we recommend no. More than between one thousand or two thousand dollars be put down at any given time. There's no reason to go any further unless you're in an accelerated program we do have schools across the country who specialized in accelerated training as you know, and you can get a private pilot certificate in two to three weeks and he'd do a very good job. They have specific syllabus put together for these kind of programs. Well, you can imagine typically might cost eight to ten thousand. Dollars to take two or three week private pilots course all the way through and you're all done in three weeks at the most those schools will require a larger deposit. So we're not saying that there are extenuating circumstances because there are but at the same time, we are certainly guiding people that there is no reason to be putting large sums of money down because in most cases, there's no special account that is set up, and if that school closes its doors they're. On you can't find them, and in some cases, some of these schools disappeared, they had leases at the airports they walk away from the leases if their own by a foreigner, they may even go back to their country. There are folks that have dual citizenship. They just literally disappear if you have fifty students and fifty students have put down ten thousand dollars in advanced deposits. That's five hundred, thousand dollars if they put down twenty thousand dollars toward their training, that's a million dollars. We wrote about it. We talked about it. We are now putting it on our new website as well to educate people because the public is not aware of some of these things. It's in the news every day that the airlines are threatening or actually shedding thousands of pilots from their payrolls has that had an impact on the pilot training community are people backing away from this as a career. Right now I don't think there's any professional in the industry that would stay that there's a overabundance of commercial career pilots. However, this will change over the next twelve months as far out as maybe thirty six months. We all know that domestic airline service in this country continues to come back and it was just August thirty first or August thirtieth where the airlines are starting to. Relax on their policies, regarding changes of airfare and seat selection and travel dates, and so forth. I believe United announced at I and I believe American has now announced it as of today, which is September the first and so domestically, the airlines are certainly looking to get people back into the air and from what we see the general public still has that real urge to get up. And go not everybody of course, and there are some people who are not going to travel right now by air or even leave their house because of the covy will fully understand but people wanna get up they WANNA get out they want to visit family they want go to special occasions they want to go on vacation for a couple of days and the best way to get. There is normally to go buy airline. If you're traveling longer mileages that the international air carrier movement will take a longer period of time, and that's because every country has its own. Instead of Kobe guidelines. Number one, they're setting the criteria for when people can come in and out of their country and they're setting in some cases, quarantine restrictions, and therefore international travel is definitely gonNA take. Longer to come back will the pilot shortage come back again the answer is, yes. The FAA requires under the A. Ours that all airline pilots cannot fly after age sixty five as an airline pilot by regulation and to some of the most senior and experienced airline captains. Today are not flying because they typically are flying the international routes and international is still very, very slow as. Compared to pre covid airlines were having record years they were flying record numbers of available seat miles, revenue passenger miles, load factors on both domestic and international have just been unbelievable airlines have been doing very very well financially over the past couple of years. But again, they also took probably the largest hit between airline travel and the hospitality industry I think those are the three that have. Really impacted the greatest but pilot. Wise. It's GonNa come back and we are encouraging young people to continue their career pathways because if someone brand new starts today to learn to fly and they WANNA be a career pilot they're going to have to build their flight time and that can take anywhere from on the low side about a year and a half up to about three. Years before they're able to be eligible to be hired on into the right seat of a regional airline to two to three years from now, the people that are even starting now will be in a position to be ready to go. So we WANNA see the pipeline stay filled as much as possible, and we are not discouraging anyone at this point in time, there will be positions.
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.
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.
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
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.
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
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.
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
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
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,
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
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
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
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,
Twitter Will Be Fun Today - The College Kids Who Hacked Into Twitter
"Today's guests. His Hip Awan CEO of Afani. Secure and private cell phone service locum his Heeb. Thank you Laura for home. You'll show. You were one of the investigators in touch with the young people who hacked twitter last week and gain control of prominent accounts, including those of Joe. Biden Obama Elon Musk and others as well as those of crypt companies like coin, base and finance, and when they had control those accounts, they were soliciting bitcoin from twitter users. How did you get in touch with the hackers? So Laura be in like. four-time itself, so then after I was so pissed off that angry that I said I need to solve this problem, and so I've entered into a form that relates how they have those accounts holiday getting pretty much all the ring of how they operate so. When you say that they had had your twitter account, nor they have my Sim Sark four times. Okay, and when you say Sim, swaps just described that in case, listeners does up. Does improper pretty much. What happened is like someone will take the form so the underground market like think about Ebay, but like I knew democracy with information. So you said your name, your information social security number your call logs your life, your life, location or anything on you. If I say hey, I need to find out for Laura Shane telephone number, and they'll give me telephone number will give me a call loss to give you. An everything comes through telephone numbers of numbers unique, and then if I say. Say Hey. I need to take the phone number 'cause I need so they will just prophet abuse him that I control, and I need to pay them few hundred dollars now. Your formula not work anymore because I had control of Sim card, so then I use that telephone number to get into a g mail, facebook and twitter, so if you go on twitter, new likely rescinded to email our number. If it's telephone number you've got. Someone's adopted very common technique deployed across US for a long time. So. The twitter hack twitter said that their employees had been socially engineered, and that's how these hackers gained control the systems. Are you saying that? Some twitter employees have their account. Sim swapped like how how does that you or Simspon tried? These people relate to the twitter Hack Greg? You wanted to ask me like how to get in touch with them so I'm trying to understand. You, that of analysis himself, so started going into the industry into this form than trying to see how they operate and to Dodd funny, so which will provide the made acadia that probably that cannot be Simpson's. That's what we did an offer that. VINCI START GETTING customers. Have you would actually getting a lot of attempts to do so? You would getting Dempsey pretty much every week that someone prior to himself or customer, trying to like hack into our system and mend the failed. I got in contact David Mayhew call, they would email method you and they will do all kinds of attacks. You know they'll try to let pen to pen tests. The everything did and obviously in one of the cases restocked immunity stopping messing around it right I know what you're up to. And after I got in touch with him to signal and author that the lake. Not I won't say that become a friend, but I told them why you're doing this. Thank you know you should not do this multiple hackers and they said okay. If you don't have anything to do pretty much, does it okay? Why don't you get a job? He said job, and then they start feeding the all information to proved at. Legit than a lot of information and how I was getting information from a lot of talk of the vote. And when it all this happened that you got in touch with him and had it happened late four five months ago. Okay They were diverging to me not just for this hot, but for other purposes to ride like a kid discount. Lot of databases beach everyday, so they wanted to see that a hey. If I'm interesting in the database, just wanted to work pretty much. is not money. It's also about ego that they wanNA prove something that they would do something so. So Mike Context for not hacking, but they'll be into the songs that they had access to. That follows A. Up I didn't want to. Excessive today were passing me. Hey, today. This is for sale to do sports on tomorrow. This person's so on the deal stood attack. I got a message that will be fun today, and when this message I thought he'd be like a distributor barks. Like scam scams, and but after why? That's all the kind. We got attacked ten. Finance Accounting Noble at depth one time. I taught that it's just a third party API like you know you have like you know where your schedule. The in everything I thought that may be compromised, and that's how they got author. Riley said No. We have everything. A screen chart I tweeted screen shot, and after that is blue. Well and so, who are these people? who were the people involved in the actual twitter hack? The difficult to identity like frankly I don't know I can speculate, but obviously because someone security and privacy I don't want to speculate but I can tell you wanting like college. Kids are maybe like someone between eight, eighty, twenty, one, twenty, two, and they are video gamers. They'd metaphor armed, and they found fascinating for them. Dislike a game like you go into video game on you killing you do stuff for them. It's like that. They, probably living in some way or radio patterns right now in basement. Who does not even know anything? and. They just do it for fun. Obviously, money's there, too, but most of fun for them is just a today. And so originally. The way you got in touch with them was they were targeting these different cell phone accounts, and what does motivation and taking over the different cell phone accounts so for account you can actually to when people take account, they can actually destroy you financially emotionally ended up recently, though by financial I can say they can get into your county bank accounts ticket by Tiptoe through that they can buy a lot of levels of securities financially they can do. obviously going to facebook in an email to, and then they donor all information from your facebook, and then they start blackmailing you that. Hey, likely when a lot you have done this like you know you have this. And you have to pay me this information out there and a lot of people would have to pay them the money because they don't pay the money. They looted operation right so and then third party. They just become Parson Mike is the word processing me. blender used to take my county new. They cannot get anything, but they wanted to talk to me. Just fun for them like people. Some people are sick. Like how did they pick you out of all the different people that they could torture also the league, if not just me like everyday hundreds of people to get them soft, though I'm just one of them on average, every second medical become victim of since up, not himself but cybercrimes so. But I had the impression that this was primarily targeting crypto currency people, but you're saying it's any bundled nor I think eighty percent of people who was himself to an entrepreneur L.! And the new in the cases of those people is it like personal vendettas that they're trying to? You can make more money by a hacking Lord cell than anything else you know. is one thing but Lloyd is like one number one target Loyd and has professionals league doctor medical doctor then. In Lord other number one targets in suffers, and what is the motivation for targeting lawyers Don. Money don't happen. How do they monetize that Yeah, so I tell you doctors, basically busy less tech, savvy and rich. It's that easy to find out any doctor information. You can find out who the best doctor in the city and you consume. Stop Him. And once you get into that account, you can transfer money between accounts who can be that people have been? Going into the count, Simpson calling the bank making via transfer, and then just checking accounts. That's pretty common. For for doctors to clinics have a lot of money. If you'RE GONNA clinic, instead he did even like five hundred hundred million dollar distorted the front because Alaska. Election for them. Okay, so let's go back to the twitter hack. They were some names that were identified of people who are involved these names. In The New York Times article that quoted you as a source one was kirk. There were some other people ll and ever so anxious. Who were these people? And how did they know each other? So they don't. Know the Best Birdie. They just hang out on rooms like chatting channels lake similar people on developed talked with you. The pirates channels. We had people a go if they WANNA have information to the document industry for finding information. If I want someone associated Gordon dissipates on one. Don't get call for these people trade information. And you asked about like a leg. Imagine your lawyer and you are fighting for my open kiss. We begin go to the website by that long since he will. They are who they're talking to the day can. Make some delays on them. That's one thing but other than that. These people are just a game as they would play like you know different video games and kick the die, who was basically a source of the rate industry rock says they'll be extra agents, and they are in room for longtime and David. Obviously you want you want something you don't trust the new guy. The new guy who is basically the main culprit punching the entity because multiple reasons, but the main guidance, the just which had A. Reputation. If you say you want a username of Laura at Laura, Shannon inactive. You may not trust kick, so you can do this. Middle Diane Tell Them Hey, can you hold the money for because you have a good relation? Because like Ebid forums generally have a petition systems. You know so then you ve into this guy like you know every inch it He went to care. Concur depended he the credit employees but I. Don't think he was employees. And, then he gave him the concert start building. So this is just a middleman. He was just broken deals. You tell them what you want. He was just keep his car and transfer the money. The is completed that fall. And so so kirk was was saying that he was a twitter employees, but as you said, you don't think that he was, and he was essentially selling valuable twitter accounts, and if people didn't trust, Kirk, they would use ever so anxious as their middleman to get the different twitter handles that they wanted. Is that what happened? That's correct. Good Gig, only unharmed on in July of. July it was very recently. that. He actually came so obviously not trust someone admit. That soon. July seventh in the New York Times article are. Limited okay, but all right so but ever so anxious. How to longer reputation and. And that was who people are transacting with. And so then. How did BITCOIN come into this? All. On these things happen through Bitcoins, so the way it started was they were selling. This twitter handles four bitcoin and then later. How did the scam change? So I. Personally is what I personally think. That kid was in touch with the employees who was giving these accounts. For a few thousand dollars. And then. Either bribed him. Architects. Social Engineering Him. Legs because like hey can do. This is my. This is purely my speculation that you're working for so long. He warned the trust. Any may have said Hey, can you log in forbid I wanNA see how it looks like something that he made it something so the guy is pasta on. Hey, just do it, but don't do anything crazy. You Know Butt kicked. Decide Okay, man I can just go on or can also go online with I can do it I can. Can also go on like you know. All those accounts crazy. That's what I okay, but you're just speculating. You don't have any proof that or or do you know what? I don't have any proof of that I don't approve. Have critic probably do it? And Kirk? Is probably a guy called coup, which is on a farm for a long time, so he speculated that he someone that was in the industry for wide, but not. Approved that. Kicked it, but from all the action than everything it all points to cook. Irene so in a moment we're gonNA. Talk a little bit more about what happened. Exactly I, in sight, twitter and scam, but First a quick word from the sponsors who make this show possible. How much in fees are you paying? CRYPTO purchases now crypto dot com as waving the three point five percent credit card fee. When you buy crypto apart from crypto purchases, you can also get a great deal on food and grocery shopping with crypto dot. COM Get up to ten percent back when you pay with their. Visa Card no card use the crippled dot com to buy gift cards for up to twenty percent pack download the Crypto Dot com today, and enjoy these offers until the end of September. Looking to connect with thought, leaders, innovators and blockchain enthusiasts welcome to T- forum a weekly virtual series about all things tasers. Equal, feature presentations about the latest advancements that healthy ecosystem grow together. Interested in speaking at t quorom, submit your presentation ideas and the tasers community will vote on who comes to the podium next sign up and learn more about the virtual series at t quorum dot com. Back to my conversation with his Heeb Awan. So, we don't know exactly how. Kirk got into twitter's internal systems. However Once. He or she did then what'd he do or or she do with their power? So. Kirk than they went to buy I think. Start with by notes I'm coin base. And the see your finance and he made it account Egypt first of all. What did it was did with other? Account. Okay, which means when you log in, it asks you to do a second type of security, which is hopefully. If you're in the crypto space, you have used something like Hugo, authenticate or key, and you're not using text message based second factor authentication. Where they sent a code your phone because otherwise if he gets swaps than than having no. Buyer so. Removed that and then keep going good thing. They added wall a secondary second. You know Autodata so now. I'll give example like you have my username seep, so they moved to a FE, and they're also removed. Jane, Email. And then they. Did possible reset. So the new email guard, the chain deposited garden the account. and. tweeted whatever they wanted. Well, and what were they tweeting? So, they were tweeting that you know. About Co. Ed Nineteen I believe like you know because of Covid, we like helping people. I don't remember the wording. Health Has Something and they said Back. And this is video any comments in YouTube. Actually they were so good that frankly sometime I get like you know Oh my God like the able to make it like a secondary thing. That's real you know and like, but this happens pretty commonly, and and it's happening for almost two years now i. It, really is the kind of thing where people think it's real I honestly. Had created a question for you, which is who are the people who are savvy enough to own bitcoin and know how to send it, but not savvy enough to spot. What to me seems like an obvious scam. Actually went on the Internet and are tweeted out this thing same thing I said like who are those people who can have sophisticated enough to buy Bitcoin, but knowledge to. Send. Bitcoin but I think leap Dick's everything. Like I agree people think okay. Let's give it a chance. You know it's like a lottery ticket. You know people may be, but they think what if this is true and other than that. If you like an must happening there, actually flaunted, be efforts on twitter. All the time with people are donating money on twitter, but they don't ask for anything they say hey, can you give me your Alfred Egland who this every day, so he will dollars to off fifty dollars for every person everyday. You'll say. Retreat this. I'll give you this money. So this happens right now and obviously As hit audible, read like you know when viewed come in people, people forget everything that you know. We have so many Ponzi scheme like so many scattered that happened that exist today could if I come to unity Laura investment scheme, which is a pretty good you know. He hit all the MACHIDA. But it only gives you five percent. You may not listen to that. Say Hey, Lord the Child who may tennis money tomorrow. You may skip everything. Cocaine is thousand and ten dollars tomorrow. Okay I'll take the risk from doing that. Hopefully I'm sure my listeners are savvy enough to know if it sounds too good to be true. But people do that I. Think I have estimated that around like maybe I. Just in this journal given us cam like. He put a lot of tens of millions of dollars and well not last week, but no, not over time overtime. Yeah, yeah, we'll be sending money, so there are enough food. I guess yeah over I mean for last week. The hackers did net about a little over thirteen bitcoin, which was about one hundred twenty thousand dollars, although analysts said that about twenty, thousand of it seems to have come from a suspicious address that they actually think controlled by the hackers to kind of make it look like this was legit and people were actually sending money. But then also by the way they could have netted more. However, Cuevas said that it did prevent more than one thousand customers from sending about two hundred and eighty thousand dollars worth of Bitcoin to the twitter hackers so oriented, so let's talk a little bit also about just what happened in twitter which was? Twitter blog posts. Hackers a targeted. Thirty accounts for forty five of those they reset the password and sent tweets from those accounts for eight of them. They actually downloaded that counts data, and then for thirty sixty legitimate direct message inbox, including one elected official from the Netherlands, and it was who. What do you think they could do with such information? I think it's A. Black, man that I've been talking to you about what happened with sin sopping. Let's think about it if you have first all that fool Phoolan that why didn't put? It wasn't like planned. I don't believe it was just like in the move in the heat of happened. BANDAIDS slaves. They clearly guy who just got drunken pretty might do everything but I think if you have access to like anyone, social media, proper social media like I have been I've received. Messages. And I but I don't believe that I think we have forged around. Believe the electoral, so, but if you have someone should media that maybe confidential information that can be misused by Stacey when leg if you do about it on dedic messages, a you know that's not confident that even with the journalist visceral broads. You know so I. Don't know who the information was. What fast, but that's video very very concerning and I believe this may happen on facebook or other social media from his. Because to same. Attack Factor. Yeah I definitely think that this is. One of those cases where it makes you want to just use encrypted social messaging APPS. Such as like signal or something, maybe what's up? So, let's just also talk a little bit about what we said before about how the hackers were able to remove two factor authentication on these accounts. Well, actually what they did I was. They changed the email address. And then the chain Laras Oh, actually bid on a there was A. There was an email. There was a blog post by somebody who had the at six twitter account, and they said they believed that the hackers change the address, but that when that happened, it did not send a notification to the original email address, but not I don't know if this person was surmising, you know six hundred interest in history, those belong to a hacker. Their the community of Hackers Gobi Twenty six hundred. That's like a court for hackers right. Not a quarterback, just like community for hackers and you were the hacker who ended up homeless anywhere. They will do attack into I think he would to. And he went into multiple you as homeless, but he was a hacker. And oxygen community belong to sixty name. Is this secretly off? I believe his name. And, but yes, but I think the first drift was removed and then. moved. To the letter. Control of it now thought it was the reverse, but either way. In Like for any of us who are in the crypto space who have been? Keeping up with our security and using things like Google. or UB and avoiding. Text message based to a or or any kind of to a based on our phone number. What? Can we take away from this like? Is there any advice that you have for Crypto? People on how they can protect themselves if the services that we use have loopholes like this. Let's not that'll be biased in obviously you know. Will. Finding here, but that's what we do, right. We work, but a lot. Actually I am surprised at how many a compromise them security argue out stocking some customer yesterday and they do You know an extra seat is probably the most I can tell you I know. We are making like a faces, but at same part exit. She's most prominent used offer manager for probably ninety ninety nine percent of the word. What would you recommend instead? Use a password manager, anything manager pretty much everything in the top five six. It stood, you know. Don't cheat on family plan. out on like those like a caveman. This company go with a better company. Even if you don't go the final leg, that's fine at least hell better company like Dourthouse I'm plan because no fan mace. You make you very vulnerable to now you're putting your own life on risk, but everyone who is in the time is. You know and the third party. Don't give out your telephone. Number molasses everywhere. You know like. Don't go to like you. Know have different email address if you want to. And you let you. At Google. Authentic get off your. There's something at one time I have statistics, said ninety five percent of people who are like major changes. Do not have to a fait. Sms I'm talking more to a and I think ninety nine percent of those are what you estimates to say. The people who've been additives Everyday I have started I deal with at least two or three people who get up everyday and came and we had some of the to affair, and I can get into that lot of people into the spark that they were not believe enough not to change it. please. Don't please don't be those people, but I can tell you like I've spent people and I said do this. Man How much time did it like five minutes six league. Logistics you Donald and APP, you know. have to familiar face. You know if you are very cautious, taken for a number, but I can tell you that Khomeini would make this mistake. Ordering will end and it you know, and in the end I did lose industry learn. That's was part. There was still use the same SMS to a fait. The dating did not happen to them. Again happened again. Because if it happens to once, you become more, you know your motorcycle getting out again. If they have found something and something, they just do for fun, and and you know what I because obviously I'm. Biased in a way that the. Customer. Time I've been a victim four times a feed Logar they can. What would you do? Please please please setup. SMS elected more music episodes into gear and please get family plan these I. Know You're saving their ten twenty dollars per months, but in the end you know if you call it a, it's like insurance. You can live without insurance to. But like you know. The one day you need insurance when you need it.
Are Amazon ads worth trying?
"Hi, Chris, this is Laura from Pittsburgh and I've been listening to the show for a couple of years now I've been hearing about ads on Amazon being an alternative to expensive facebook. Google ads is true, and if so, what do I need to know? I shop on Amazon Dot, com almost every day and I've noticed that they've started showing more and more ads. I did some reading and it looks like anyone can pay for these ads just like with facebook and Google. It also looks like are a lot less expensive and less competitive. At least for certain categories or items. Is, this true, and if so, what do I need to know about it? Hey Laura, thank you so much for listening challenge. Everybody in Pittsburgh. Okay so lots to talk about here. Are. They worth trying. Yes, they worth trying. Also first of all. Is it true that they will sell ads to anyone? Yeah, of course. facebook and Google Amazon all these companies I. We'll make it very easy to take your money, so they're not concerned about the effectiveness of the ADS. They're not concerned. Waste your money I mean they're happy to take your money basically just like any good major corporation. And you're correct as well. They're showing more and more ads these days. As whether they are less expensive and less competitive than the ones you see for facebook and Google. It really does depend and a lot of categories. It's not less expensive. It's less competitive, so it might be for certain categories. It might be depending on what you're selling. But that's the kind of research to do. Once you start getting into that specific product you're selling and once you start understanding a bit more about how it's marketed, and who your customers are, and where you can reach them all that kind of stuff, so categorically speaking. It's not that Amazon is going to be better cheaper. Necessarily so unfortunately, it's not just like a goldmine sitting there that you can go and spend a dollar and make twenty dollars every time. Now as for whether they're worth trying and such I. Mean anything is worth a try. But you know just like any other form of online advertising. People lose a lot of money doing it, I know an author whose publisher spent twenty thousand dollars on Amazon ads recently. And they had a specific campaign actually worked with an Amazon Rep the company provides somebody directly to publishers, and to those who are spinning at that level or higher. And it really didn't work that well I. Forget the precise numbers, but they spent a lot of money on selling a small number of books, so not necessarily a great idea. One option might be to look at Pinterest. We haven't talked a lot about pinterest ads, but that is another company. That's happy to sell people. Ads based on certain targeting. You can include all the different demographics and variables that you want to specifically try to reach. And pinterest ads I think categorically can be cheaper than Google and facebook. Not for everything, but for a lot of things, and as whether they're effective once again. That's going to come down to what you're selling. Overall whether we're talking about any of these companies or any other networks, the other places in which you can purchase advertising. Don't try any of that stuff if you don't have a product that converts. That's, that's the most important thing you don't have a sales process that you know is going to be effective I mean feel free to spend a hundred dollars or something, but I definitely wouldn't. Invest in a big AD campaign without a proven product. That's why the work on the front end is so important, because then if you have a product that's amazing and it's converting and you've got sales process good message then those ads can be an amplifier.
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.
"twenty thousand dollars" Discussed on KIIS 102.7
"For twenty thousand dollars. You know what I love about shock? Orange County is they, they never turn a child. In the parent, there's this feeling of gratitude. And, you know, I guess if you'll stay knowing that there's the plate, or you can take your children and know that they're going to be taking care of the situation. Right. So, you know, the financial hardships your background, whatever it is. And there's a place here for for your children. So bring in MRs Baker, who's listening, Patty to you. She knows that you're there inside the hospital. And she Nicole screen, it says one of her first graders is there at Chuck hospital right now? Mrs baker. Good morning. Learning. You're on the air with us. So tell us about this. First grade student of yours. Sorry, I'm going to go on. The first grader, I haven't in the past. So what the family and without mentioning his name on air? Three to card. He's really made a lot of progress and then got the diagnosis of cancer. May ten and we're just really pulling for him. And I'm going to be probably tutoring him over the summer to get them ready for second grade. And we wish in the bed, and I know that I keep going on the best place. He could be and the angels. Come visit and relief on things. At the area, so in areas. So I'm very happy. He's happy going through this. He is happy economy. Well, why don't we put you on hold for quick second. Can you give pad his name off the air and Patty can go say hi to him? Awesome. Okay. Let's do that. You could be one of those angels today. Awesome. Patty hang on MRs Baker. You hang on got an assembly as well. We'll get to that. We'll come back in just a second. That's why I love it right there. Right there. Pat. He's going to get to that first grade student, and hopefully that first grade student will smile in that moment. Coming back and paint a Bill, a sixty.
"twenty thousand dollars" Discussed on The Tech Blog Writer Podcast - Inspired Tech Startup Stories
"Enable people to take a course earn a microfinancial such as micro masters program certificate or increasingly work their way all the way to a full online master's for an incredibly disruptive price of oftentimes blow twenty thousand dollars over the the sheer went browsing the tech headlines only tonight. After they say es in Vegas with consumer technology and less month was the end to be say to mobile comforting boss alone about folder phones. But while of about what you guys are doing his making a real difference to education, and that is where the real value is K told me a bit more about the power of education. And also the impact they can have today's evolving technology landscape. Yeah. That's a big question. I have a number of thoughts about this. I'll try to try to stagger them. I mean, one is technology topics issues and trends, come and go, but I can't think of a single year, you know, in my life where education is not been a topic. Right. It's topic for everybody around the world. It's something that people deeply care about you know, it is the key to economic prosperity in economic opportunities. And so, you know, deservedly education should always be at the forefront of us thinking about how our society is going to be more dust more capable more competitive, how our jobs are going to evolve. So I think like, you know, big picture right education is is a massive topic..
"twenty thousand dollars" Discussed on KTRH
"I appreciate your call, sir. And good luck to you, James and San Antonio, Texas. Welcome james. How can I help you? Thank you for taking my call. Sure. She. School lesson. Sedate them. I'm trying to find something and. Something a little bit. Soapy witch. She's like ninety eight pounds, and she's only forty seven the issue that that I'm afraid of. CRV that she drives you round with. That's my view. Boy, I tell you these questions are hard for me because. I can't review a car from the perspective of somebody. That's four foot eleven I will tell you this. I had a similar case to this probably a month ago. Girl, young driver. She was right at five foot. So pretty close to the same as your daughter, and I recommended that they look at a Nissan kicks, which is the news small SUV from Nissan, and there were a couple of reasons one is it seemed to me that you set up really well in the seat, and the second thing is it's the only SUV out there under twenty thousand dollars that actually has automatic forward. Breaking and it really worked. And so from a safety standpoint, I thought it was a good fit. But I did as the actually this was a mom. I asked the mom to let me know how fitter she got a hold of me. And she said that it was perfect for her. She could see over the steering wheel. She felt confident in it. I know you might want to small truck, I don't typically recommend small trucks for new drivers. Just because the rear end is so light. But. You know, what's the SUV with that kicks? It's gotta get you out with a reasonable amount of money. And I think it's going to be something that work for her try that out and let's see if she's comfortable in it again. It's just hard for me because two people four eleven can be built very differently and it worked for one and not work for the other. You'll find Nissan of new braunfels and our website car pro USA dot com under certified dealers give trials..
"twenty thousand dollars" Discussed on KGO 810
"Two hundred and twenty thousand dollars that people make very very bad decisions. The interesting part is that it's subsidized and pushed by the federal government in a way. That's just but that exists to finance the bloat, and it's just. And then it's a ripple internally of become more aware this recently with someone I know who writes letters regularly for kids trying to get into a very very very very very very v most competitive program and now world in one particular program, how has become so insurance grown now to the place that you can't it can't be controlled with the the emphasis on which school you go to which only really exists among the academics. And then the other people who went there. Right. But then you get enough of those people out into the world or you're going to go into academic. What matters in the academic world not out here in the real world where their estimates live. Right. None of us think about where you went to college at all in the academic world, it all matters to them greatly. So they build this weird competitive thing that's only within it's like a video game or something. It's only in this tiny little world that they're living this which reminds me of and it's it's it's it's growing and growing and growing and growing and growing and growing and with all these different administrators, so all the. Administrators. It matters to them a lot. Whether they're at the number fifteen university or the number twenty five university on whatever list comes out at the ever every year, which brings us to another point that the Atlantic. He's made and that is that those rankings which are so they're universally known as stupid and damaging and universally followed with great care and interest. It's I it's one of the few things I've ever run into in my life that are that are so widely hated in so widely adhered to. But the universities they know their rankings are disproportionately affected by their heavyweight faculty and the heavyweight faculties based almost entirely on research and accolades that have zero to do with the classroom experience. So they spend like lunatics on getting these faculty in these accolades, and that Jack's up the price further, and then subsidized by loans bub-bubba that has none. Nothing to do. With the academic experience. The poor son of a bitch kids are paying for right? Who see that particular professor once a year, whatever right at all. Yeah. Yeah. Yeah. Interesting. It's it's built upon itself to the point. Now, I don't know if it can be stopped..
"twenty thousand dollars" Discussed on KDWN 720AM
"View of your credit report. That's. Respectfully. That is where it all begins and most people. Most folks that are out there. I don't care if you got 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 just a couple little things on my credit that are creating problems. And I'll say well, explain those things to me. Well, you know, I had a credit card in a little credit card that went into default a couple years ago, and then went to collection is this little thing. And I had a medical Bill little thing. All these little things that up to two big things. And ultimately, I don't care whether you had a two hundred dollar credit card that went into the fault or twenty thousand dollars credit card that went into default. The reality is is that of the faulted account is a default and account. 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 know it sounds funny because we're in the business of of fixing credit, and it's how we make money. It'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 going to organic get better. Or there are some things that you can do on. You're there may be a reason that we're kind of pushing you. To to not do this. And that is. You know, one of those reasons that have Ganic things will get better. Or maybe something that that you can handle yourself at at no expense other than the expense of your time. And I get that.
"twenty thousand dollars" Discussed on WBT Charlotte News Talk
"It would only be enough for what we call final expenses. God forbid a funeral. And ten fifteen twenty thousand bucks as a child writer on your term policy would cover that. If you want to cover that. If you've got an emergency fund with fifteen or twenty thousand dollars in it. I would self insure through that children. We love them. They're precious. They're everything they do not create financial benefit. Well, most often I had a friend who had a kid a diaper commercial. He created financial benefit, but most of the time kids calls money, they don't make money. And so our goal is to take care of them not for their passing to take care of us. And so the only cost you would want to cover would be God forbid in the event you lost a child would be a final expenses cost. And you usually have an emergency fund. If you're following our steps in Europe to baby step three to do that. And you won't need to do that. When you're switching your show. I would cancel the whole lot policies on kids their soul to you as a college benefit, but your child will never see the front door of a college using a whole life policy because I mean, you just they're going to be four dollars or something in that thing. I mean, it's ridiculous. Little kid policies are just a complete rip off and for whatever you do. Don't buy financial stuff from a baby food company. Those will be Biden's Gerber policies. I don't know who buys it stuff. I mean. It just strikes me as funny than anybody would even consider buying a financial investment from a baby food company. Just backward. But we're all use them to feed our kids more ways than one. Guess what are you thinking? So Dr mesh guy jump on Zander insurance is website. Get us from quotes on you, and your wife and just drop the kids whole life policies completely and drop your whole life policies. One Sanders issues your term policy, which of the turn policy in place. You can get the best prices anywhere. Zanderinsurance dot com because there a broker they shop among a gazillion companies and get you the best price. Michael is with us in Lexington. Michael. How are you? Hey, dave. How are you doing better than I deserve? What's up? Quick question. I'm twenty years old. I am not married. I've completed baby steps one and two and I'm in the national guard right now. I'm looking to deploy in a few months for the greater part in next year. And I'm wondering I'm living at home for free now. And I'm wondering if I should go and open up a retirement account and start contributing to that or if I should save up a little bit more fully funded emergency plumbers union, an emergency fund. Everybody needs an emergency fund. Good news in your case is most of your emergencies will be covered by the fact that you know, you're what's known as stable job. You're not gonna like I mean, you could lose that job. It's possible. But you'd have to really work at it. And they're not gonna make payroll, right? So that part's, okay. But I mean other types of emergencies are the job loss can occur. So. Yeah, you need some money set aside as an emergency fund. And then. Yeah, you'd be a baby step forward and you start putting fifteen percent of your income away. And that would be baby step four, and I do that I in a Roth IRA, and then I do it in a Roth TSP after that. If they're matching don't think they do. But if they're matching on the ESPN going start there with the Roth with the match that'd be the plan. Michael thank you for serving your country, buddy. We appreciate it's good to talk to you Martin is with us in Los Angeles. I Martin welcome to the Dave Ramsey show. Hi, dave. Well, I was one of your opinion on regards to to whether it's just all my rental property to pay off my primary residence or pay off any other debt. Also that I have how much other data. Have you got? Two cars I had credit card debt, but I paid pretty much about fifteen thousand in the last three or four months. Okay. So you're debt free, but two cars and two houses. Right. Okay. How much do you own your cars? Fifty thousand on bulbs each or total on both total. Okay. Wow. And what's your household income? One thirty. Okay. You got a lot of car. And so what do you owe on your primary, and what do you owe on the rental to sixty and it's worth about five fifty. And the rental and my rental I o one sixty and it's worth about. I would say four thirty four fifty. But I met a little bit less. Okay. So I mean, the two ways to do it is usually income to clear up the mess or use the rental to clean up the mess. Right. Right. And so, you know, if we stay taking say, you know, I'm going to start paying I'm gonna live on beans and rice and till I get these cars paid off. And so they're going to be paid off in well under a year. And then once they're paid off. Then I'm gonna decide I'm gonna pay off either the house or the rental, I probably go ahead and pay off the rental might pay off the house. I I don't know either one's fine. But you know, he started doing what forty fifty grand a year at that stuff. Let's see here we got three four four twenty. So you got about five to ten you got seven to ten years to clean up those two things after the European off your car. Or you can show the rental now and be done. Right. I mean, that's what I really had in question whether to to do that and then pay off more. Pretty much and pay off pretty much all my dad. But I also have in mind as far as. I have a son who's about to. Well, I would say in two years he's going to go to college. So I don't have a house. You can cash flow that right? Okay. No debt. Now..
"twenty thousand dollars" Discussed on Oprah's SuperSoul Conversations
"And you will start to invest that money. You will read women and money. You will do everything that I tell you to do in there. Thank you. However, you have twenty thousand dollars in stock that you can touch. Maybe it's appreciated in value. Maybe you've held it for more than a year. So if you did cash out, all you would pay is capital gains if you were going to do this. Listen closely to me now. Wait to cash out that money if you have a gain in it and hopefully you do given what's happened in the stock market. And if you don't, something's wrong there as well. And wait until next year when you no longer have any income coming in and you're in a really low income tax bracket. Oh, I'm not just another pretty face in. Am I making sense why I want her to do that. So if you do have a capital gain here or even really ordinary income over here because you didn't hold it for a year, it's not going to be that big of a deal for you if you need that money to fulfil your tree, if that's what you wanna do, then you can go ahead and do that. Got that. Now. Now, why am I letting her do that? Because there comes a point in everybody's life that they have to go for it and they have to do what they're passionate about. Right? You remember when I said that my dad taught me the lesson that money was more important than life itself. That's not true. Life is more important than money. Life is more important than money, but it's the quality of the life that you live. Lack of money can make people do really, really crazy things. All right. Now I will be the first to tell all of you. Money alone will never make you happy, but I also will be the first to tell you lack of money. Sure. Will make you miserable. Got that. So again, the goal isn't just to have money. The goal is also for you to have power over your money, which is why I wrote the book women and money. If you want to find the best financial adviser in the world, look in the mirror because nobody cares about your money more than you do and what happens to your money directly affects the quality of your life..
"twenty thousand dollars" Discussed on KMOX News Radio 1120
"It makes shock you so an air ambulance ride could cost you between fifteen and twenty thousand dollars that's for one ride fifteen to twenty thousand dollars that's not tell me that's not ridiculous oh yeah that's all different thing when you get to the hospital so one person doris prance said that the ambulance membership was worthless because she was paying into this but still had to pay out of pocket she says that the insurer paid eight grand meaning they tried to build her for ten grand even after she had these in this insurance they believe it's entitled to money she paid from the auto insurance policy following a separate lawsuit regarding the accident so if there's like let's say you're injured in it's not your fault and you have some sort of payment that's coming to you the air ambulance can then try to garner some of that lawsuit tommy that's not a weasel way to do things he's got insurance the insurance was supposed to pay it out but they're saying nope since you actually got money from someone else then we're going to try to take that money to what a weasel thing air evac celine was never filed against pratt and a notice of claim demand for payment was sent so i'm sure you tried to intimidate her to sell or does into the money there i don't like stories like this but it scares me if i ever need to get a helicopter ride and what am i doing with my life what's the amount of training i need in order to get a helicopter license i feel like if i put my mind to it i should be able to do this maybe i can just fly into work you think they'll let me land on top of this building here at park pacifica they might let me.
"twenty thousand dollars" Discussed on Alice @97.3
"You those twenty thousand dollars cute what'd you pay ten grand for the two trees ten gram h my god vinnie that's what those things each for two dead what ended up happening i moved and lost my job and you stole my dog twenty thousand dollars was never you're just too drunk to like coupe that what was i going to do fight the guy yes sue his ass i don't know you drink all the money to i had the money the money was fine i didn't waste any money in fact i always used to tell myself up safe in here in my own home i can't get in any trouble on this beanbag turns out right turns out even though shades down twenty thousand dollars dead trees anymore i don't need them looking at me either anyway why we really have made some shooter honey is it happens in life mistakes you laugh about it yep post a pic of the ramp can't do today sarah's hamilton ramp dude honest to god what a chess ass move that was and then the thing is humongous and it just in my yard like just taking up space and then i covered it with a tarp over the winter because i was like well you know it's new i don't want it to get all ruined did a family of grizzlies ornate moved in bears in my yard grow and mosquitoes hard in my yard is horrible oh god is terrible decision arctic monkeys singer sounds like david bowie says five zero i love the arctic monkeys says seven seven five one oh screams arcade fire yeah trying to fish out of our brains hey speaking of need music i i.
"twenty thousand dollars" Discussed on News Talk 1130 WISN
"Make twenty thousand dollars a year if you make two hundred thousand dollars a year two million a year they tax you whatever the number would be seventeen for whatever it is seventeen percent at twenty thousand is going to have the same impact as seventeen percent of the guy who makes two billion you would have more reaction from the public to the notion of increasing that percentage because everybody would be hit by it if you make twenty seven thousand thirty thousand dollars a year and you have four kids you're not paying any federal taxes right now what do you care if we raise them long term that's a problem eventually you get to a point of critical mass and that's what we got with corporate taxes one of the many reasons that our economy is booming right now and why the boom is likely to last longer than some people believe is because of the relocation of assets that's going to occur to the united states with a reduction in the corporate tax rate we reached critical mass as i said with regard to corporate taxes our corporate tax rate was about the highest in the world and as a result all sorts of corporations were basing operations overseas and companies that had multinational operations were keeping their cash overseas to avoid having to pay tax in the united states on it you can't force somebody to pay taxes to the united states of america unless the money actually gets to the united states of america so companies like apple and many other companies that had multinational prophets were stashing cash overseas other companies a lot of the pharmaceutical companies that drugstore chains they've ended up moving your corporate headquarters to ireland in an attempt to dodge a percentage of the high taxes that we have trump hammered on this relentlessly hammered out during the campaign and then he hammer nodded it's president that we had a significantly lower the corporate tax rate in the united states because we were driving businesses out of the country.
"twenty thousand dollars" Discussed on KTAR 92.3FM
"Yes i have a another small school on of about forty five thousand or forty five hundred and then a car loan for about seventy five hundred okay and your mom took out the parent plus line in her name for twenty thousand dollars in was the agreement for you to pay that yes this was about eight years ago that she had done that it was originally about eighteen thousand of course interest and i had paid my way through school in the meantime so it gained interest and then i begin paying on it i believe about three years back but i haven't been able to gain much traction and it's kind of causing a financial burden in our relationship so i wind off it was power wiser well i i am because it is affecting her and i guess their financials to and we're trying to see it it is possible to get out because housing affecting her financials if you're paying the bill honestly i'm not totally sure i let me just say here here's what i think i'm hearing you promised to pay that back when you were in college and that was the deal you all made you have captured promise most of the time and now are keeping your promise because you are paying it monthly okay that's the deal she signed up for yes and so you know i i don't know where she's got a complaint unless you're not paying the payment if you're not paying the payment she's got a complaint because that's the bargain you signed up for so they really should not be causing her any hardship unless she's trying to borrow money somewhere else i'm unsure of that.
"twenty thousand dollars" Discussed on The Dave Ramsey Show
"Right and your mom took out the parent plus loan in her name for twenty thousand dollars and was the agreement for you to pay that this was about eight years ago that she had done that it was originally about eighteen thousand of course interest and i had paid my way through school in the meantime so it gained interest and then i begin paying on it i believe about three years back but i haven't been able to gain much traction and it's kind of causing a financial burden in our relationship so i wanted to know that was part wiser why is it causing a strain in your relationship are you not paying the bill no i i am okay she'll why problem because it is a fucking her and i guess their financials to and we're trying to see it is possible to get out because housing affecting her fentanyl chills if you're paying the bill honestly i'm not totally sure i she's here here's what i think i'm hearing okay your mom took out alone in her name you promised to pay that back when you were in college and that was the deal you all made you have kept your promise most of the time and now are keeping your promise because you are paying it monthly that's the deal she signed up for and so you know i i don't know where she's got a complaint unless you're not paying the payment if you're not paying the payment she's got a complaint because that's the bargain you signed up for.
"twenty thousand dollars" Discussed on Super Station 101
"You can be apart from rai here birmingham alabama by pardoning with never thirst today please visit never thirst water dot org to learn how you can be a part of changing laws around the world i remember it like it was yesterday hearing screeching tires allow pop and a scream for help alabama i'm should an off the events i'm describing is being in the car when someone rear end of my father when i was twelve years old i remember the concern on my mother's face as she asked my dad he was okay alabama hours in okay because next 48 hours were crucial to my family we didn't know who to call you find yourself in the same situation call me alexandersson or and i will represent you until the very end this is before the twenty thousand dollars no downs you've heard is talking about the two thousand eighteen hometown tour presented by progress bank this is simply getting us out of the studio in meeting our listeners where you live jessica and i would love to come and bring our showed to your area so you can show of your city to the 101 listeners and off with loft to attend an event which an article have plant will really get a crash in a party or abyss says that you filled is to be talked about by us it could be something new in your mouth or business that spinning their area for a long time so go to our new 101 website and send us your information and maybe just maybe we can make a stop at your hotel log onto 101 wyde dot com and click on the home town toward button and brings us to your hometown a.
"twenty thousand dollars" Discussed on WIBC 93.1FM
"Twenty thousand dollars to your account this however is inconsequential to your adviser why because he still has nineteen million nine hundred eighty thousand dollars under management and all he lost was two hundred bucks so all your advisers making their best gas and you lost twenty thousand dollars your adviser lost two hundred bucks not exactly an earthshattering loss for the guy that supposedly on your side and not exactly proportional in consequence as these advisers would lead you to believe when they tell you that hey we're in this together in this real world example i can guarantee that they didn't even noticed that change in their income but for you that loss could mean the difference between retiring or not and you bet your adviser wants you to thank you are in this together and why you hear the term paper loss so often because the real reason you're adviser wants you to thank you are in this together is because if you leave they lose the remaining eight hundred dollars they're guaranteed to make this year and the year after that and the year after that for managing your account you and the rest of your advisers clients leaving is your advisers worst nightmare because you're adviser is building their retirement by managing yours so by now most people are asking but mr marques how do you make your money i love this question i get paid by the air rated multibillion dollar companies that i work with not one dime of my compensation comes.
"twenty thousand dollars" Discussed on Liberty Talk FM
"Twenty thousand dollars if your taking that bet your betting that bitcoin will be worth more than twenty thousand dollars and i am betting that bitcoin will be worth less than twenty thousand dollars xanana yeah that that all right up gambling right it's not it'sit's his delivery amin you know so how is it that you can't cut that you don't call that gambling i don't call it gambling knows so let's talk about port porkbelly futures all right so you got a business you need bacon for bacon unietd porkbelly and something to smoke it with sure okay and brain so you got the the the the wooden the brian your good on that you're going to need port bellies would you don't need them today you need them in three months because you need any port vila's delivered on an ongoing basis because you cancel your vacant once you can episode over time so do you want to you know do you wanna just rely on the vagaries of the market or do you want to have a set price for the delivery of your pork bellies here i see what you're say so you're saying the buyer will get the price that the seller agrees to its dollars on gambling they're both yandarbyev who saw you admitted it it has handled while gant gambling in the sense that you don't know what's going to occur yeah if you're paying a chairs you know what it is it's the level of risk by you're taking and invest it theoretically and investment should beal lower risk than actual your gambling but obviously gambling even if you go to a casino there's different games with different about well as a risk this is a different game playing with yeah oughta here i'm sorry it's gambler you can it look it's all gambling if you want if you'd have to look at it that way all right i mean you just holding bitcoin is gambling on bitcoin going of course you this lockout against gambling let's just call it what it is i don't know yet i'm talking like their business that's all you're not as animal and it's an investment thing it's how it's been defined yeah basically by laws yellow care what.
"twenty thousand dollars" Discussed on Baseball Tonight with Buster Olney
"Uh then they would have merely been appealed in that story would continue to the offseason as it did with chase oddly a couple of years ago and in the end i know a lot of people are saying boy the the discipline wasn't strong enough three hundred twenty thousand dollars is about as big a penalty is i've seen where and be typically when players are suspended its with pay in this case it's without pay what did you make of how key manfred handle this the number of games is was actually higher than previous incidents of racial slurs or been a lot of homophobic slurs uh so that part did not bother me what bothered me was it seemed like a an eight this is entirely subjective but it seems like this was a let's move quickly to get a solution in place that everyone will agree to grill agreed not to appeal union was obviously involves this was all sites working towards a solution to make the story go away which leaves you with a situation where the guy need that incredibly offensive gesture and then is playing again the next couple of nights with catch him serve in the story it gives the impression that major league baseball would wanted this to go away as opposed to dealing with the player himself and now we have the priming guerriel have a huge home run last night he'd be key remains part of the new cycle and every time he does something it's going to be that's the guy who meet the racist gesture and now this photos going around of astra stance making that same gesture to because they think it's funny.
"twenty thousand dollars" Discussed on Millennial Money
"Just kitty as little kids were talking about getting our student loans forgiven and i understand because i had mba loans and they were expensive and so i understand like if i an option to get those forgiven i would have taken it in a heartbeat but the other side of the coin is as a currence currently sant any amount that is forgiven actually gets it added to your taxable income so for some people that can mean a hefty tax bill that you weren't expecting right so i'll just give you an example let's say you pad twenty thousand dollars a student loan forgiven that is flicking awesome like highfive on that right who wouldn't take that deal but when you go to file your tax return next april ray you add the twenty thousand dollars on top of your income whatever income you made for some people back up what you in another tax bracket and that could leave you illprepared for a potential tax burden right and so a lot of people are you put yeah it's not a big deal because you can you can come out with a a payment plan with the irs yes you can get a interest based payment plan from the irs that is actually factual but my point is before we like get you know a giddy like you know a kid in a candy store about getting our student loan forgiven we gotta look at all the sides of the coin and figure out what makes most sense right so if i'm at a you know a low income repayment plan and my my repayment is my monthly payment is not that expensive and then i look out verses you know what might happen to my taxes and my in my opinion my pending tax bill if i if i get that loan forgiven.