34 Burst results for "Twenty Twenty Five Percent"

What if The Matrix was a Real Computer?

Absurd Hypotheticals

02:02 min | 2 weeks ago

What if The Matrix was a Real Computer?

"Our question today is what if movies were real. So how are we doing this i. We're not doing all movies simultaneously real at the same time. That would be crazy. What we did is we each picked a movie Ended it kind of grab bag style. Questions where each pick two different movie and the implications if that particular movie was real in addition to to add just a little bit more theme to the episode. We all decided to pick keanu reeves movies. This happened mostly organically and then we decided to run with it. Yeah the for the first two pick for our is related and then i found like Both of those q. Henry's movies is they're they're doing that so i'll go ahead and start then. The movie i picked one of the few movies. I've seen the matrix shanley have made a sequel yet but yeah so matrix nineteen ninety nine for those of you who don't know The matrix movie set in a dystopia in world where everyone is living in a computer simulation. Why is that well. Actual bodies are trapped in this weird pods and intelligent. Machines are using the human bodies to produce energy because the human screwed over the machines by blocking out the sun in their last big war and it doesn't make much sense because why would you use human bodies to produce energy. they suck at it. The thing is humans do produce energy in fact actually growing modern trend of inventors trying to use the body heat we admit to power like wearable electronics smartwatches and things because generally a human body emits about one hundred watts of power as body heat. This actually like eighty percent of the energy that the human body uses we used to make body heat and like the last twenty twenty five percent is what we actually used to like. Do the things that we do like move and mechanical energy call it. but how much is one hundred watts. It's nothing like another way. you can compare it. Is that like if you look at the. We produce per day on a two thousand calorie diet. A person's body could power car for twenty minutes through its body heat

Keanu Reeves Shanley Henry
Fresh update on "twenty twenty five percent" discussed on The Art of Custom Podcast

The Art of Custom Podcast

00:56 min | 6 hrs ago

Fresh update on "twenty twenty five percent" discussed on The Art of Custom Podcast

"Rate right now led by lumber prices ace. How does that affect the appraisal. Because i've heard a lot of builders are complaining right now because they're not getting accurate appraisals or their homes won't appraise out because of these high land prices and high construction prices. There's a lot when it comes to appraisals and construction. Most people when they start building a home are going to be looking at what it appraises for with the plans on that lot in the future and the builder can compensate for some of those costs on their cost breakdown. And hopefully the accurate now is always gonna be those times where if lumber skyrocketed like if you did your budget in january or december of last year and then all of a sudden you're updating just now there's going to be a jump in lumber cost and that might be impactful but if the are can update the cost breakdown each other increases as long as it appraised for more. It should be an issue. We are very active when it comes to the appraisal process we have a very thorough and detailed budget that we share with our lender the lender they're then shares are with the appraiser and i also tell our lenders to make sure that the appraiser calls me directly because we can is builders talk with With the appraiser and we can help them understand why our home is being built in a certain way and maybe help them understand why we're building the home. What the materials are you know. What an appropriate cop might be in that type of thing so make sure your builder is willing to go to bat for. You is what exactly. Yeah and speaking of that. We built homes at a little bit different. We are known as a high-performance builder. They're more efficient. They're more durable cleaner. Indoor air quality you know lower maintenance cost more comfortable so they're different homes and tricia. I know that you as a lender take that into account when it comes to how the appraiser looks at it and then how you look at it from a lender's perspective so for us. We actually no matter what type of home you're building for construction. We have a specialty panel of appraisers that we use so. That's very helpful in the process and like you said a. We don't deliver the plans to them. Purposefully we make sure that we tell them. They need to contact the builder so that it does open up that communication right away between the appraiser and the builder in high performance situation than we want the appraiser to aware of those things which again is especially key for them to talk to you. Understand the products that are going into the home the performance that it's going to give how that home is going to perform differently and then from an rating perspective. It's something that can be taken into account as well knowing that the clients monthly bills to own and operate that homer going to be less a couple of quick housekeeping details as we wrap appear. Acl ask you first. What is the typical down payment formula for someone who's looking to build a custom home twenty twenty five percent of the lot amount if it's conforming could be as little as five percent could be as little as three percent down of the conforming limit if it's a construction loan genetic construction. There's a little bit more when you start getting into jumble on they'll generally want a little bit more usually twenty to twenty five percent of the entire bells tricia. What are you seeing. If they're doing a land loan than yes. It's twenty percent down on the land. Once we go into construction in general it's ten percent down on the total cost of construction. So that is your land cost plus your construction cost however any equity that you do have in the land counts toward that ten percent so that is helpful to have either. The owned outright. Maybe or having the land already owned where you've put a down payment on that already. It's a great point because people we get asked this question a lot which is can use the equity the land if you've owned the land and you've been on title for the lot then you can use some of that equity towards that downpayment if you're acquiring the lot at the same time as you're going to build then you cannot do that as i want to circle back both you and tricia mentioned you have to have a two year history when you're applying for for a loan but one of the things that that might come up is what about changing jobs. How does how does that affect the two year. History as long as someone is staying in the same field and in the same type of pay so if your w. two employees and you stay being w to employees and you're making the same or better than there is no issue at all The issue really comes in when either someone is switching that type so vigo from w to decommission. Or if they're going from w to self employment then that becomes an issue because there's no history of that other type of employment or income flow if you're gonna switch jobs just make sure. The gap in employment is not more than six months. If your gap is six months or more than it can reset the clock on needing to have a certain depending on the program a certain amount of time on the job so if it's a month or two it's it's not a big deal if there's any gaps bigger than six months. It's something we definitely want to go deeper on tricia any last minute thoughts about the lending process and what people might want to be prepared for. I would say key thing that i advise. My clients is think about building like buying real estate. Agent doesn't want to take you and show you a bunch a home without a pre approval and the builder feels the same way. I think oftentimes clients think that if they tell the builder with their budget is than the builders. Just looking to spend that amount. But that's not true. There's a lot of time and effort and energy that goes into building that budget on the builders part and his staff and the borrowers part two so getting pre approved and knowing what that budget amount is extremely helpful in. Just the timeline of getting your home built. I think the message should be sent out there. That understanding your lending options is a consultation and viewing this first step. It's so complicated and finding a good adviser and consulting with them early on in the process is really what it's about excellent advice and i would say the same thing for custom builders to. We are always approachable. We love to help people understand. Put the team together before you launch into this kind of once in a lifetime project so as very good advice and thanks again to thank you by the way speaking of great advice if you want to go to the show notes section of our podcast you're going to be able to download a guide to construction lending and pricing. It's really a planning guide. And i think that would be extremely helpful to understand. Not only the the lending side of things but also the budgeting side of things so again feel free to visit our show notes download guide to construction lending and pricing. And if you ever have any questions for us along the way to we'd love to hear from you phone. Number's three one. Four two six six nine seven.

Ten Percent Twenty Percent Five Percent January December Two Year Twenty Two Employees Three Percent Six Months Twenty Five Percent Both A Month TWO ONE First Step Twenty Twenty Five Percent First Four Three
Why It's Harder to Bluff in Multiway Pots

Thinking Poker Podcast

02:39 min | 2 months ago

Why It's Harder to Bluff in Multiway Pots

"It's harder to bluff and also harder to make thin value bets in multi way pots right when you bluff in a multi way pot. You have to get multiple people to vote. And that's hard to do especially when they're as king on the board and a three about pot. There's a very good chance that somebody has a big pair and they're probably not giving up on it very easily. So if you don't have it and you don't have equity against it you know. It's fine to the flop with gut shot. It's find about the flop with a flush draw. If the big blind is sitting there holding like nine of hearts he probably should not bet the flop by getting enough equity to justify that. Typically you're not gonna be able to get away with a lot of pure bluffing in in multi way pots. I mean there's like everything poker depends. They're exceptions. I think in general you're not going to be. You shouldn't be looking to do a lot of pure bluffing in multi way pots. You can bet when you have blockers you can bet when you have draws your betting in general is going to be a little bit more like polarized in in multi way pots and this is also why you're typically going to use smaller sizing and multi way pots because a lot of what. You're accomplishing with that fullback. He is a bigger deal in multi way pots. But that doesn't mean you're bluffing. Would it means is that you're getting more value from the hands that your opponent folds in other words if you did have let's say a s- queen and you bet this is king seven to nine minutes board. Were nearly like if you were just in the heads up pot the hans. Your opponents is folding to that are typically not hand very much equity against you. He's not folding trolley. Not holding any kind of straight drawl might be folding pocket pairs. That have two outs or five. Six of clubs kinda hand. That has some back door draws you into fold a pretty small amount of equity in multi way pots people will fold slightly better hands so you may get people folding like eight seven or something. They wouldn't fold heads up pot. That has a little bit more equity against you but also just causing multiple people to fold. Small amounts of equity is is worthwhile right if each player individually is only folding five or ten percent equity. That's not worth a lot and a heads up hot in a two way pot. That's ten to twenty percent equity in a three way pot. That's like twenty twenty five percent equity so it does start to add up even these small amounts of equity because you're getting it from multiple players so even when you're betting with what's probably the best hand in a multi pot year you're benefiting a little bit more from folds than you would be in a heads up but

Why it's harder to Bluff in Multiway Pots

Thinking Poker Podcast

02:39 min | 2 months ago

Why it's harder to Bluff in Multiway Pots

"It's harder to bluff and also harder to make thin value bets in multi way pots right when you bluff in a multi way pot. You have to get multiple people to vote. And that's hard to do especially when they're as king on the board and a three about pot. There's a very good chance that somebody has a big pair and they're probably not giving up on it very easily. So if you don't have it and you don't have equity against it you know. It's fine to the flop with gut shot. It's find about the flop with a flush draw. If the big blind is sitting there holding like nine of hearts he probably should not bet the flop by getting enough equity to justify that. Typically you're not gonna be able to get away with a lot of pure bluffing in in multi way pots. I mean there's like everything poker depends. They're exceptions. I think in general you're not going to be. You shouldn't be looking to do a lot of pure bluffing in multi way pots. You can bet when you have blockers you can bet when you have draws your betting in general is going to be a little bit more like polarized in in multi way pots and this is also why you're typically going to use smaller sizing and multi way pots because a lot of what. You're accomplishing with that fullback. He is a bigger deal in multi way pots. But that doesn't mean you're bluffing. Would it means is that you're getting more value from the hands that your opponent folds in other words if you did have let's say a s- queen and you bet this is king seven to nine minutes board. Were nearly like if you were just in the heads up pot the hans. Your opponents is folding to that are typically not hand very much equity against you. He's not folding trolley. Not holding any kind of straight drawl might be folding pocket pairs. That have two outs or five. Six of clubs kinda hand. That has some back door draws you into fold a pretty small amount of equity in multi way pots people will fold slightly better hands so you may get people folding like eight seven or something. They wouldn't fold heads up pot. That has a little bit more equity against you but also just causing multiple people to fold. Small amounts of equity is is worthwhile right if each player individually is only folding five or ten percent equity. That's not worth a lot and a heads up hot in a two way pot. That's ten to twenty percent equity in a three way pot. That's like twenty twenty five percent equity so it does start to add up even these small amounts of equity because you're getting it from multiple players so even when you're betting with what's probably the best hand in a multi pot year you're benefiting a little bit more from folds than you would be in a heads up but

What a census bureau report says about widening income gap

Clark Howard Show

06:42 min | 7 months ago

What a census bureau report says about widening income gap

"I have been. So distressed about Census Bureau report came out from the Commerce Department weeks ago that I just keep. Running over in my mind. And it's a report based on what's happened to People's finances? Pre Corona virus, and it looked at a ten year period. basically the decade of the tens. And found that. Roughly and GonNa be rough numbers here. Eighty percent of Americans. Have less purchasing power. Now and this pre when people's incomes got. Slice back. Grown virus. Less income now effectively been a decade before. Now this is. On multiple levels. Because oh nine. WAS WHEN The great recession technically ended and people's incomes rose fairly nicely from then. Through the rest of the housing bust and forward. And for people eighty percent of people. To essentially have their dollar, not carry them as far. As what it did a decade before. Is a serious serious. Economic and political issue for the United States you know when people were polled in dead matter where they are in the political spectrum there polled. On whether they feel the country's going in the right direction or the wrong direction, it doesn't matter if they're left right or centre they say we're going the wrong way. And it's because people are frustrated. That life is financially as more of a struggle for them had been. We got to fix this. And we're going to find that with people being polarized politically. That the things people are turning towards. Or, going. To, be Tax candid policies and stuff like that and. The reality is. We've got somewhere twenty, twenty, five percent of Americans somewhere in that number depending on how their surveyed. That are running away from the rest. Of the American people. Income Wise. We have a big big problem with wealth being very heavily concentrated. Among the very, very, very elite of us. And then you move down several rungs of that. To the top twenty or twenty, five percent, and that's where all the growth and income. Net growth and income has been flowing. The problem is. The economy has become. Overwhelmingly, what's known as a knowledge knowledge-based economy? That the skills you have the training you have. Determine the. Kind of money you'RE GONNA make. In. America, it's very rare anymore that just through. Hard work and effort. Somebody can do just fine. That used to work for so much of our history but. The world economy has changed. And how people make money has changed. In so When I look at this from a truly economics only perspective. I believe that we need to really really focus in this country. On how to make sure the eighty percent of people that are falling behind economically. have an opportunity to achieve. And some of wet I'll tell you right now is stuff the if you've if you've listened to me for a long time, you already know what a strong believer I am in this that. Training and education now have to be. A ongoing lifelong pursuit. Because the mix of the workforce and the jobs in the workplace. Are Changing. It's such a significant rate where the jobs. A majority of jobs turn in less than twenty years. HOW PEOPLE IN MONEY? And we have an under utilized resource in the United States. And Its are state supported community college system. The states that seem to be doing the best. At connecting workers to high paying jobs. Are being very thoughtful about using. The educational resources of estate. To get people the skills they need. Historically community colleges have been looked at. As. A two year feet or to four year colleges, and so the first two years people are taking the pre recs the same as they would at a four year state university or often private university. I think we need to flip that model. And the community college system needs to be about teaching people. A WORKPLACE SKILL In those first two years. And only after that, what's now looked at pre recs? Becomes the source of education that people need clear marketable skills and training. Because education is the latter. That addresses ongoing training that addresses The problems in the labor market. And I know there's been all this talk about wiping out people, student loans and making four year college free and all that and that creates enormous class divisions in the United States. But. Something I believe we can get behind as a country. Is Making two years. Of Technical College. Or Community College free. After high school. And that all be market I skill. design.

United States America Census Bureau Commerce Department Technical College
What Will 2021 Hold For U.S. Climate Diplomacy?

Environment: NPR

03:52 min | 8 months ago

What Will 2021 Hold For U.S. Climate Diplomacy?

"What does the president's decision to leave? The Paris Agreement meant for Climate Science Rebecca Hersher is with NPR's clients. I'm science team, good morning becky good morning. So, we have this agreement that the US has now out of but two hundred other countries are still in it. How is humanity broadly doing on carbon emissions? Well humidity broadly is not doing great when you look at the hard numbers that scientists look at, it's bad. Global emissions are still going up, which is a nightmare if you studied global warming because the earth is already about two degrees Fahrenheit hotter than it was last century. So humans are on track for catastrophic warming in the next few decades. Okay how is the US specifically doing? Well to answer that I want to go back a little bit. So if you add up all the co two in other carbon that countries have spouted since industrialization, the US has omitted the most and I, think that's really important because the US emissions have been going down slightly for a while now but they've never fallen really dramatically and that's different from European countries, which also omitted a lot of carbon historically but had slashed their missions in the last few decades. So there's another piece of context here. That is really important, which is that president trump announced three and a half years ago that he was going to pull the US out of this agreement. Today. November, it'll be official but in the meantime in those three and a half years have his administration's policies led to more climate emissions. It's a good question. It's hard to be definitive, but here's what scientists say it probably made a difference. So the US promised under the Paris agreement to reduce emissions by about twenty-five percent by twenty twenty-five most analysts say that if the policies of the Obama administration is like limits from on emissions from cars and trucks and power plants if those it continued for the last four years, the country would likely be on track for that goal. Instead, the US seems to be looking at more like a sixteen or seventeen percent decrease in emissions, which is not insignificant. How is the US on track to reduce emissions by sixteen seventeen percent if the federal government and its policies are working in the opposite direction? Right, I think that's a really interesting question. So one thing is that the global economy is changing. Renewable Energy is getting cheaper. The market for electric vehicles is growing so that cut some emissions right off the bat and more than half of US state say they're trying to meet the twenty twenty, five percent goal that the US originally set under the Paris Agreement and especially in the last year, there's been a huge movement by corporations promising to decarbonised their operations and that's become a really big question in the science community where they're trying to model future warming. And asking this interesting question, which is what will be the main driver of emissions reductions in the next ten years will it actually be national policies? The things we tend to focus on the Paris Agreement or will it be corporate policies state policies even city policies? Oh I bet the engine, the answers to that will be interesting and let me ask you Leslie say Joe Biden Does Win the election could he put the US back in the Paris climate agreement? Yes yes. So As we said we'll be formerly out the day after the election president trump wins a second term. The US will remain out of the agreement US missions will fall slowly if. He said he will reenter. He can do that. As soon as he takes office. If he wins, the big thing would be trying to work with Congress to pass new renewable energy and transportation policies, and that would have to happen pretty quickly to avoid the most catastrophic warming. Rebecca Hersher with NPR's climate team. Thanks becky. Thanks so

United States Paris President Trump Rebecca Hersher NPR Donald Trump Becky Congress Federal Government Joe Biden Official Twenty Twenty Obama Administration Leslie
Coronavirus: Israel marks Jewish New Year with second lockdown

Monocle 24: The Globalist

07:44 min | 8 months ago

Coronavirus: Israel marks Jewish New Year with second lockdown

"Rush Shawna or Jewish New Year begins at sunset this evening. But for Israel this new. Year's anything. But happy as the country becomes the first major economy to enter into a second. Nationwide lockdown against a backdrop of serious discontent towards the handling of the pandemic and the Prime Minister Benjamin Netanyahu himself Israel, which was one of the first countries to enact stringent measures to inhibit the spread of the virus is shutting down. Again, the three weeks we'll joining me now is Alison Kopplin summer who is a journalist for hurt a good morning to you alison. Why is this can lockdown necessary? Well. It's basically necessary because our infection rates which reached a really dramatic low back in in May. have been creeping up all through the summer months and then I'm have basically exploded beginning. At the end of August, beginning of September which was really. Enhanced by the the return of of kids to school we really see that they've absolutely been able to to mark. A connection between the fact that kids went back to school on. September first and that since then the the rates have been have been doubling and and surging among the general population at an unprecedented rate before that, it was basically concentrated in certain populations, certain cities, certain neighborhoods. But as kids went back to school, it just exploded across the entire population. So this goes against what the so corona virus saw said a couple of months ago when he asserted the socio economic trauma inflicted by covert restrictions was greater than its health impacts. So can you help line the state of the economy and how these further restrictions will impact on businesses? Well. There's been a huge debate going into this lockdown as to the extent to which private businesses should be allowed to continue business as usual a huge debate over the the pain that closing down business will cause versus the attempt to to fight the to fight the lockdown We already have a major unemployment problem and unlike European countries Israel has not been fully compensating businesses for their losses. and. So there's a huge bitter angry rebellion by business owners small and large and not insignificant chance that this time around because people have much less faith than they did in the first lockdown there's going to be a lot of businesses I predict violating the restrictions and an opening for business even in the face of the of the restrictions I mean, what does the Don actually entailed? Everything must close. Everything must close except for essential services such as supermarkets and and pharmacies public offices will be open, but they won't receive. receive the public in In Government Offices Private businesses. Again, this came after fight are two privately reopened with a with a minimal amount of staff in in Workplaces So you know the economy is being partially allowed to function. That's why there are so many as they say, Swiss cheese holes in this lockdown but they're worried that you know in the attempts to keep the economy going to an extent know if schools are out, you can't have a full economy running. That they're putting so many holes in it in order to keep the the economy functioning at a certain rate that it's going to be ineffective in terms of of actually bringing the infection rate down significantly what about the situation in the West Bank and the Gaza Strip? The situation is bad there too. There's a lockdown in Gaza right now and and the West Bank is also suffering from from it from an outbreak. So they are they're not in any kind of renewed full scale lockdown, the way that that we are, but they are they're in a difficult place as well. Now, this as you mentioned a huge amount of opposition to this and people are actually protesting who's out on the streets. Well There's always been a religious secular divide in. Israel? Approximately. Twenty twenty, five percent of our population are Orthodox smaller. percent of that are also Orthodox and those daybreak cities where the ultra-orthodox resided partially because of the large family size there and how how dense their residences is that has been really a hotbed of infection as well as Arab towns and. Cities and so it's been very hard for them to specially over a long period of six months to stop with their large gatherings, their traditions, their prayers, etc, and that is countered by. On, the other side and on the secular side, the need to protest against a Netanyahu how he's had this corruption trial, they've had large protests. So basically, there's this back and forth going on why can we not gather in a? Study Jewish learning while you can gather on the streets and have a protest, and for example, why can you go to your ritual baths and we can't go to the beach? So there's there's a lot of fourth fighting and then the the biggest and most desperate cry is from the business owners who are feeling so much economic pain. So there's protests coming from from all directions and how will this affect the political situation? While the political situation isn't good to begin with one of the reasons that Israel has been. So crippled in fighting the corona virus situation is as I said, really hotbeds of infection at least as of two three months ago we're in these ultra-orthodox cities neighborhoods, and what the coronavirus czar planned to do came in trying to do is to really shut those cities down and really be able without harming the economy on a large scale to focus the approach inside these communities and political pressures. made it impossible for Netanyahu, to really stand behind his are and do the because the ultra Orthodox parties said, if you close our cities if you shut down now. If, you don't allow us to go to synagogue. We are going to leave your coalition and basically bring down the government, and that's why at every turn these ultra-orthodox parties have been able to twist the government's arm into allowing them to have more freedom than the secular public looks at what's going on in the religious sector and they say, well, if they're not GONNA do it. We're not going to do it, and then you've got a very bad dynamic there. I listen Israel forced all foreign arrivals to self isolate on March the night that was before the World Health Organization announced that it was in fact, a pandemic given the the the country is now in this situation, won't you think that other nations around the world can learn by watching this? I think really the biggest lesson that that Israel can teach the world is. Opening up schools particularly when it above the age of ten or so is really a dangerous difficult and problematic as much as we all want to see our children. In school learning getting an in person education that that is really the trigger. This is now the second time that that sending kids to school have have sent our infection rates. Rising, and that's why any kind of a resumption of studies has to be done extremely slowly carefully in a measured way starting with the youngest kids and slowly going. Up and keeping a very, very strong monitoring. On how that that is affecting the society because kids go to school, they get infected, they come home in the infect their entire families. Alison despite everything. Shana Tova.

Israel Prime Minister Benjamin Netany Alison Kopplin Gaza Twenty Twenty Shawna West Bank Shana Tova World Health Organization
How To Build Wealth and Personal Freedom Fast with Andrew "Cobra" Tate

Radical Personal Finance

05:37 min | 9 months ago

How To Build Wealth and Personal Freedom Fast with Andrew "Cobra" Tate

"To my understanding that you come from across the continents you're born in the United States grew up in England. You've been involved in chess from an early age, your world champion, kickboxer, and an entrepreneur in a number of very businesses. Do I have most of that? Pretty well, right. That's yeah. That's pretty much. Exactly correct. Yeah. Very businesses this and that, but they're all doing. Okay. So love to know a little bit more about your personal background I've invited you on the show to talk about wealth building and the tagline of radical personal finances that dual fold mandate of living well today while also building applying for financial freedom and I've observed that you seem to do both those things fairly well, you have a lifestyle that's intensely focused on freedom, but you've also done a pretty good job of living well today I see posts all over social media view supercars and and your girlfriends and. Traveling around the world with your boys. So how did you wind up? Where did you start and how did you wind up today? Tell us a little bit about your journey with wealth. Yes. So I am one of those people who always really wanted to be rich and I didn't want to be rich because of material things I've always been one of the people who didn't like listening to the rules I was always attracted to freedom and I learned at early age that freedom usually comes with money I mean shirl there's some rich people who are constrained by their money but if you do things right, you get the freedom. Money can certainly by a degree of freedom. So I was not raised in a rich family. My family was actually much more on the poor rent. So when they got the forest and social housing in the UK, my father was a professional chess player which doesn't pay much money at all. So I'm not from any kind of financial. Hereditary. There's no I didn't get any Any money within the family members died I wasn't taught anything about money from a young age. I was just always attracted to freedom. Delta's very attracted to for a long time. So I always wanted to be rich for as long as I can remember even though even though like most poor kids kind of sit and think all I want to be rich, I'll never be able to or whatever. I was one of those poor kids now goes okay. There's there's obviously a way to do it, and that's how I get a life full of freedom. So I'm going to find a way to do it so I was always motivated to have it. And that's it. Yeah and then I, I was fighting for a long time that never paid the bills. So I mean it paid the bills but never made me rich. So I had to start thinking of other things and you know one thing leads to another beer I am. So trace the journey with regard to wealth over with regard to your career your business. From my research sounds like you've been involved in a number of different things but your parents divorced when you were young moved into social housing with your mother and your siblings but then something happened whereas now you're traveling the world driving supercars living in a mansion in Romania Cetera. What was that pass through business for you? Okay. So by my financial story is quite short, really I went to. I. I was unhappy with school and the reason for this is pretty simple when I was growing up in America my parents are still together because I moving when they divorced when I was growing up in America, I was moved up three grades and I was playing a lot of my father was a chess grandmaster. I was on track to be chess grandmaster. I was playing chess scholastically with. The schools and I was Indiana state chess champ h five and doing chess. So when they split up my mother who's originally originally English, want to go back to her family in England I came to England and there was no chess in the schools. The British system is less ruthless than the American system. They don't like moving people upgrades they don't like you know really segment people by. It's far more of socialist. I guess you know we're all the same and I found school I found very, very boring. So I didn't try very hard. So by the time I graduated from school is sixteen my attendance rate had dropped to twenty, twenty, five percent average and the reason for that was simple. If I saw someone up to the gas station and Lamborghini. I didn't sit there and think he worked really hard school. I sat there and call he is either a drug dealer or he's broken the rules or there's some hack here he's pack the Matrix everyone goes to school has a Lamborghini. So to me school was absolutely a waste of time. That's what I believe to be. So I stopped going basically. I passed all my. Season B.'s even though I only twenty five percent attendance and my father were very mad and and even my teachers like you're capable of so much more you could have easily gone a but because you didn't come get it up. So I decided to go to college and try really hard to prove a point. So I went to college afterwards I studied business I studied. The four hardest a-levels is called New Kias physics math. Political. Science and. Business degree. I start studying them all and I did so well, it all of them that even though there was eight exams by my sixth exam by the time, it was over I already had as inevitable subject. So then they gave me some other advanced testing which I did very well, and and I offered a scholarship to university university in England. Much chimerical cost money if think big loan, etc etc.. So I was offered the scholarship to a business university and I came home told my mother and then tomorrow wasn't though So she she went crazy. She was like what? This is one hundred, thousand euros a free education. What are you going to do? What do you mean? You'RE NOT GONNA. Go you already messed up school and now you did so well in college and you're GonNa go what you do instead and I said I'm going to become a kickboxing world champion.

England Lamborghini United States America Kickboxing Indiana UK Delta Romania
Moving from Amazon to Shopify

Amazing FBA

05:08 min | 9 months ago

Moving from Amazon to Shopify

"Michael, how are you man? I'm well, thank you. Yes sipping hovel of. Lemon and honey and ginger tea. But I pretty good. Yeah. Yeah. Keeping his bank. Very. Well, very. Good. Well, let's jump in today. We've got a hot topic, I think, and that's the topic of. Moving from Amazon to shop affi-. Or from really you know Amazon to any other sales channel but we're GONNA sort out how shop by dozen doesn't help. ECOMMERCE sellers the pros and cons some of the detail. So you ready to jump into this absolutely hot topic definitely. All right let's do well. So I guess the first question that comes to my mind is you know you work with a lot of mazing Amazon sellers in your skincare collective and programs work there in London. What have you heard from them in terms of their fears frustrations concerns by way of migrating or adding you know a different channel away from The stations can sense I mean he took into Amazon Selah. How long have you got about I mean but Most of them concern Amazon rather than. The fear of moving across course. It's. have. So much fair as a resistance on because I was just so much for you and when we bitching Amazon I, guess he's good to remember that the of qualified traffic with buying intense. Of people who have their credit card on file is amazing and the conversion rates she got on Amazon I mean I was looking at somebody the day in the United Nine Percent Convention right and I'm like, wow, that's great. We could be a fifteen, twenty, twenty, five percent. That's kind of eighty I in the context anywhere else on online, right? For. Those understandable reasons in people on in a hurry to get and they like to bitch about it and I guess every. So often the FE Simone Amazon and that's when they consider maybe making the move uninformed to be fair to the tank Muslims have very active people who do a hell of a lot of stuff and a lot of them have got their own websites. Some of them look beautiful designs when the functions he's pretty good. But does only a couple of people I think actually have any serious percentage of their sales going through their own I'm known Amazon sites. So. I guess that tells you a story. Nor. Does what do you think the The kind of the. Underlying real issue is there is there time? Is it there education about the other side's is at their capacity of their team? Our finances? I mean well, what do you think is that actual barrier to success? Is just good question I I organization of the of the work or it could be this very good question not something. I should probably ask people. It sounds like I'm about to pitch them into a shop if I but I. It is probably an important discussion points allies because I do think. On. The one hand, there is a growing awareness and interest amongst more more members of the Maas bonds. In being able to grow you an audience and specifically contacts, you are not as it tends to be sort of add ons. There's not so much the sales channel thing as a traffic strategy things so that or even being able to control things like reviews are a lot of people building a facebook chats audience in order to then get more reviews on Amazon but the sales China's by much. and. It's not so much a traffic channel as sort of a channel of contacts as the traffic for shopping is still very much about Amazon. Channel Four getting reviews. Is. Stuff like e mail I'm likely chapel design make some kind of say assured like the direct to consumer communication stuff they want to be in touch with them personally for email marketing, those kinds of interactions. Sure. Exactly. But on what the resistance is I guess the here's the thing that the growth sucks cash and also as a capital intensive growth model, a business model and I'm great at selling lots of stuff, which means that people constant need to apply that capital two thoughts channel neff while having a capsule spa and especially to drive traffic, which is my perception of the problem with your in websites Isn't that, and then of course, if you're looking in the short-term medium-term cashflow than if you put money into Amazon odds, I'm not tends to convert better than your own site would it's kind of becomes very hard to justify taking the money away from something that is going to produce an immediate cash flow to something as in. This is my conjecture. Sure. It's true or not but I something already she got an Oscar combined with because it's an excellent question. Okay. Yeah. No I mean that's very interesting. What one just response to what you just mentioned on the ads side of course, the mental shift there is. On Amazon if you're doing ams work, you're really spending money to make sales. On CHIAPPA FI. If you do it right I mean through other advertising platforms he really spending money to acquire a customer.

Amazon Simone Amazon Michael Oscar Facebook London China
Stocks suffer worst losses since 1987 crash amid coronavirus fears

Monocle 24: The Globalist

06:06 min | 1 year ago

Stocks suffer worst losses since 1987 crash amid coronavirus fears

"Well it's time to talk business now with financial analysts. Louise Cooper Lewis. We've just been talking about the declining levels of cocaine in Suez. Here is that because people can't afford it any idea what cocaine these days. How would I ever know that? I'm an almost fifty year old woman with two children. I I the price of various packets of crisps but other things. No well traditionally. Of course arcane has been the junk of choice for the big city movers and shakers but it looks like they may not be able to afford it for much longer indeed north so yesterday we saw the biggest falls in the UK and the US and European actually but US stock markets since the crash in nineteen eighty seven. That is astonishing. They were down ten eleven percent. European markets were the same all completely spooked out by trump's supposed- reassuring speech on Wednesday night when they look to his incompetence ineptitude and so the three the thing the babies with the powerful to let you read it was. It was really cataclysmic yesterday this morning in Asia. You've got a little bit of. You've got huge huge volatility with markets swinging around all over the place and everybody's waiting to see how the US Open's if you've got a fund depends if you've got to figure final salary scheme. It's fine but if you've got any other type of pension fund you will have lost an awful lot of money in the last few weeks. Something like twenty twenty five percent of your pension fund shots savings you have in the stocks jazz market. I mean I think the way people are starting to look at is clearly. There's the corona virus. It's absolutely devastating from a human perspective. But it's pretty devastating from an economic perspective. You know it's all very well saying work from home but there are some people who can't work from home. What happens if you're a taxi driver? An all offices shot all these people are self employed as out the taxi the black cab yesterday and he said well if all the offices shot how do I get business? How if nobody's in London? He just brand new sixty grand cap. I've got a mortgage to pay off wife and kids. If I'm not working doing very little work for a month. How do I pay all these bills? You know I was again. I was another cap. And he said weady because London offices emptying out already that businesses down thirty forty percent you know and this is. The problem is the putting aside the health implications from an economic perspective people's livelihood. We are going to be slammed cleaners. So how can clean a wet from hiding? If they have to clean offices you know. How can somebody on a building site where home they can't? A lot of people are self imposed. Five million people are self employed in this country and the government did very very little for them in the budget on Wednesday and you look at the biggest economy in the world. No sick pay or not a lot of sick pay for a third of workers very little a national health service and an awful lot of people work on very flexible contracts. So you know the economic cost you know. People are slowly waking up. The economic cost of this could be devastating not salute the and in the travel industry to. That's really been hit. I mean the the travel industry is just crushing. Before our eyes low cost carrier Norwegian Air Suspending Hof of their staff Disney shutting the resort in in California potentially Florida suspending their cruises for a couple of months Princess cruises suspending operations. For a couple of months. You've got I mean I think of an airline that hasn't come out and warned on prophets and slashed flights. There's a whole load of them particularly Americans after trump's travel brand you've got the World Travel and Tourism Council saying the corona virus could cost up to fifty million tourism jobs around the economy. They reckon the travel and tourism industry could shrink at least by twenty-five percent in twenty twenty You know these people that they not be self employed. They still may lose their jobs. Well there are many articles of course saying how policy-makers now need to take very bold steps to do something but what can be done so yesterday we had the European Central Bank the ECP's already got negative interest rates. It already restarted constitutive easing. What more can it do not allow? I mean that was kind of one of the reasons. Well it was a contributory factor to the big falls yesterday. We've got Japanese Japanese government. Come out saying you know. We'll do whatever it takes. I mean the thing is really. It's only you know interest rates cutting help a little bit but really what governments need to do is spend money they need to give cash. I mean forget about tax cuts or whatever they need to give cash to the households most impacted by this and I would argue the need to give cash to the businesses that are most impacted by this because if those businesses go bust that is productive capacity. This is these bad. Business is these businesses that have been hit by global supply shock so so I would argue. That's what governments needs to the problem in Europe particularly in the EU. Is You have to get all all countries on board to do to break the fiscal rules. And go out there and spend a Lotta money and the Germans and never keen on that. Yeah and finally very quickly the Premier League's called an emergency meeting so we have now know that the head coach of Arsenal has got the corona virus. A Chelsea player has tested positive as well and clearly the teams of Arsenal and Chelsea and now being quarantined self-isolated because they would have been in touch with that so the England's Premier League is having an emergency more meeting this morning to discuss whether matches should be played behind closed doors. There are all suspended entirely given the player and a coach are now not able to play. This is following many many other sporting leagues around the world. That are saying that behind closed. Doors or actually spend suspend them entirely. Louis thank you very much indeed and do stay

Self Employed United States Cocaine London World Travel And Tourism Counc Arsenal Louise Cooper Lewis Donald Trump Chelsea Asia Princess Cruises UK European Central Bank Disney Weady Europe
Heart Disease in Women

Dishing Up Nutrition

13:53 min | 1 year ago

Heart Disease in Women

"We only had to worry about men getting heart disease but now we know that one in sixteen women will have coronary heart disease. The most common cause of heart disease for women is actually the narrowing or the blockage of those coronary arteries. That supply. The blood vessels to the heart. It now as a nutritionist. The fundamental question. I believe we need to ask is what is causing this dramatic increase in heart disease and win in and women so listeners. You may be asking well. What causes the narrowing of the arteries? Or what can we do to prevent disease. He's now as a nutritionist. I know that food is very powerful. So we want to share some of the new research about the causes of heart right disease in women and what we can do to prevent heart disease. I'm shelby. I'm a licensed nutritionist with a master's degree in nutrition. Shen and I am in the studio this morning with to fund people. Now first and foremost I get to introduce Mel. UH melania Beasley a registered Dietitian with several years of working with clients in a variety of studies including the navy. But the one person that I have in Studio this morning is my dad. How come we're not giving him the Mike this morning? Although he he probably has has lots to say about nutrition after our discussion last night but Malloch just have to tell you briefly I used to go to take your daughter to Work Day with my hi dad and so I thought it was only appropriate that it's Spanish your dad to work day barry appropriate exciting. So we're going to have a fun show this morning. We've we've got some good people here to talk about heart disease now mel you and I both work with clients one on one. We work with clients dance utilizing nutrition therapy. Good word nutrition therapy right. What does that really mean? That means that we are using nutrition to you. Make changes dramatic changes in how people feel and live therapeutic changes exactly now because we're seeing more and more of these clients lance having positive results with real food in balance some health insurance companies are getting on board and pain for the cost of nutrition. Therapy love it so it's nice now. Melania we also teach a variety of nutrition classes in the community we teach luncheon learns for some local businesses. Now Melanie besides all of the things that you do outside of nutritional weight and wellness. I imagine you cook a lot. I I cook all the time but you know shelby you know. I raised a family. I made food from. Scratch my So I like to do things a little bit on the quick side and You can do that in your busy lifestyle. I don't WanNA stand for days on end in the kitchen. But I'm I'm not going to compromise my health anymore so I cook real food. Yeah yeah now on this route real food idea. Of course today we were going to be talking about that connection between real food and heart disease but first we want to look at the research. So how can you tell us a little bit about the research. I I'd like to say to all of our listeners. Good Morning and thanks for listening today. Fifty years ago back in the nineteen in seventies a diverse group of researchers proposed from their research that refined carbohydrates especially sugar and a low intake of fiber. Were major factors causing coronary heart disease but unfortunately as many of you know their research was overshadowed by the belief that saturated actuated fat was the culprit of heart disease And we were able to stop We were told stop eating butter and Lard and dark chicken meat and the skin the poultry. That right there is sad as a southerner I got and of course fatty Cuts of steak pork. Because they were the cause of heart disease. The theory that saturated fat caused heart disease really prevailed from nineteen seventy four to two thousand fourteen and sadly some. Some people still believe I here in clinic. I'm sure you do too. That saturated fat causes heart disease. And the I call it fat phobia. They're really afraid of it right well. That was actually the the cause for much of our discussion. After dinner last night My parents were listening to a nutrition. Talk on their drive up to Minnesota yesterday yesterday and being truly my father's daughter he was asking the question why why has saturated fat Ben Tempur so much in the past so we went through the technical term right there exactly so we did we. We kinda talked through these things but we we know that research since two thousand fourteen has continued to show that saturated fats now listeners. Those are things like butter. Her Coconut Oil Organic Lard. Organic tallow those play a much smaller role in heart disease whereas whereas sugar the grains those process cereals and other carbohydrates are the foods that we actually need to keep our eye on in order to prevent heart disease so shall be talk about. What exactly that means from day to day perspective Well it means that in the past. We were told to eat a Bagel with margarine. Or I can't believe it's not butter and I always say what the heck is it. That's right Then we topped. Our toaster are Bagel. Nagel with some jelly or some jam but absolutely no butter or cream cheese. You remember this being in the navy and it was a Bagel with Jelly. Yeah today. We're told to eat eggs cooked in butter with Bacon Yum or sausage an aside of vegetables sauteed maybe coconut oil or ghee which is just clarified butter cutter right You talk about confusing right. Yeah so which is it. Sugar fat that Causes Heart Disease Older research from the Nineteen Seventies. He's found that sugar was implicated. Or perhaps even the cost is of many many diseases right well because of this research in the nineteen seventies about sugar and refined carbs. Their sugar industry became alarmed. They do. They're losing money right so they went out and hired their own. Researchers to say that eating saturated fat caused heart disease right well. The knowledge of this scandal that the sugar industry actually hired researchers who were well paid to point the finger at saturated fat. As being the cause of cardiovascular problems was only brought to light in two thousand sixteen right I think we both Had that article when we did a lunch. Learn one tie and actually for you listeners. WHO WHO WANNA look at this with your own eyes? I Have The New York Times article right here. The titles how. The sugar industry shifted blame to fat and the the date on that is actually September twelfth of Twenty sixteen so just for years ago. Yeah I just googled New York Times sugar article and popped right up so you can read more about that after the show. And it's really it's false is very misleading research. So it's so well ingrained in the minds of consumers that many people I still believe it is saturated fat. They need to avoid. I have clients once or twice a week easily. telling me their doctor said They need to avoid fats. Can I eat tags. How many can I safely eaten a day? So I'm really worried about this and They still believe it's saturated fat that they knew devoid right. Even though the current research research shows that refined carbs and sugar are the leading cause of heart disease you know in Staten Companies. Also the pharmaceutical companies. They they don't WanNa lose money on this either so right now when we think about that major research we're looking at that connection between clean what people are eating long term and how that's influencing their health exactly so another major research study published list in the Journal of the American Metal Medical Associations Internal Medicine Journal. That's a mouthful reported that a sugar Laden Diet may raise is your risk of dying from heart disease even if you are not overweight so this information reported from the research shows does that sugar and refined carbohydrates lead to heart disease. Not your eggs cooked in butter with the site of vegetable oils sauteed it in coconut oil. So here's what else that. That research study found people who ate twenty five percent or more of their calories from sugar. Sugar were more than twice as likely to die from heart disease than those who only eight ten percent of their calories from sugar. So maybe you guys thinking well. How are people consuming all of that? Sugar Yeah I think a lot of people don't think they're really eating the sugar And I think we should talk about that but I think we have to take our first break. If you're just joining us this morning. You're listening to dishing up nutrition brought to you by nutritional weight and wellness. Today we want to share with you. The scientific evidence that found eating saturated fats of any kind have have no effect on cardiovascular mortality. So if you're concerned about heart disease I recommend you keep listening to our show this morning because we've got some ideas for you. We'll be right back. Welcome back to dishing up nutrition. Here's another conclusion that was made from the review of data from randomized control. All trials diets that replaced saturated fat with polyunsaturated fat do not reduce cardiovascular events or mortality Taliban. We like to put that in real people language which basically translates to what we have been recommending to our listeners on our clients for years even decades is Ethan Bader avoid the margarine from soybean oil cook in coconut oil and avoid soybean in corn canola and cottonseed oils. Of course we love the research but we wanted to help you realize how to use that research to make healthy choices for our listeners. Another radio show that I I love and I will go back to and listen to and I feel it. Explains this very nicely as on October fourteenth. Two two thousand seventeen you can download our dishing up nutrition podcast or search it on our website. is a podcast by Sally Fallon Morale and it's called called why we need animal fats. It's fantastic nation. We had sally On dishing up nutrition a couple of other times but really talking about the importance of of eating those good fats for good health. Yes yeah the quality is important. Though because you had mentioned the four types of oils the four types of fats we would consider bad exactly the corn oil the cottonseed oil the canola oil and the soybean oil so listeners. If you're at home this morning morning going to the cupboard and see what are the types of oils that you're cooking with or pull out that salad dressing from the refrigerator and scan the label if you see soybean gene or corn oil or canola oil. That's not the best choice for your health even some quote unquote healthy protein. You Watch everything right right you really do have to be reading those labels. That's the best way to make sure that you're getting those fats now. One of the reasons. Why we're we're talking about fat this morning Lena's because we're talking about heart disease and we want to talk more specifically about that food connection between what we eat and how? Those vessels also related to our cardiovascular. Disease are working. We don't want the narrowing or the hardening of those arteries that contribute to more heart disease now before we went to break listeners. I gave you a statistic. I want to repeat because I think that it really drives home. This overall idea gray. So here's what the study from. I'm the Journal of the American College of Nutrition Excuse me the American. The Journal of the American Medical Association found People who ate twenty twenty five percent or more of their calories from sugar where more than twice as likely to die from heart disease than those who who ate only ten percent of their calories from sugar and then we asked the question. Well how are people consuming all of that sugar so these were researchers. I found that Soda Energy Drinks and even sport drinks are by far the biggest source of added. Sugar in the average. American's Diet. Now you may be saying to yourself or maybe you're talking back to the radio this morning saying well. I don't allow soda in my House or pop or Cola. Whatever you call it the south? It's so maybe you don't have soda in Your House but what many people drink on are afternoon breaks when they need a pick me up or what drink is served two runners after a marathon or even what are those college students and high school students drink the day after they stayed up to pull an all nighter

Heart Disease Disease New York Times Navy Nineteen Seventies Journal Of The American Colleg Bagel Melania Beasley MEL Shen Shelby Malloch Mike Minnesota Melanie Nagel Sally Fallon Journal Of The American Medica
Facebook hits 2.5B users in Q4 but shares sink from slow profits

CNBC's Fast Money

07:57 min | 1 year ago

Facebook hits 2.5B users in Q4 but shares sink from slow profits

"It is all about earnings to tech names on our radar. This our facebook and Microsoft are both on the move after reporting results. In fact we have full team coverage tonight standing by to break down. Those names tmz Josh Lipton in San Francisco watching Microsoft Week. Kick things off though with Julia abortion and the big move lower for facebook Julia. Well Scott facebook retreating from its record high shares down over six percent so why is the stock declining. It's due to dramatically decelerating in growth. This is the fourth straight quarter. Companies Revenue Growth was less than thirty percent and its earnings per share growth eight percent. The better than expected is down from the sixty sixty five percent growth facebook reported in that metric in the year ago. Quarter showing pressure on the companies operating margins forty two percent operating margins the quarter that is down from forty six percent a year ago and down from fifty seven percent in the fourth quarter of twenty seventeen now total user numbers came amen hair ahead of expectations. Two and a half billion monthly active users user growth in the US and Canada slowed company adding just one million new monthly active users in the quarter. And that's the region with the highest revenue per user beards con Sebastian saying quote the modifies the revenue and. EPS beat may disappoint some some investors accustomed to bigger out performance and RBC's Mark Mahayni saying quote. This is an expectations. Correction the recent rally in the stock suggested that the market was looking for material upside and didn't get it with a call just now getting underway. We're going to be listening in particularly for what. CFO David wayner leaner says about expectations for twenty twenty performance and twenty twenty costs now. Last quarter he said that Revenue Growth Deceleration in twenty twenty would be less pronounced than it would be in the fourth quarter so certainly a lot to listen for a Scott back over to you. We'll unpack right now. Julia thanks so much all right. So so I I just so you can take the view and say well this is. This was an expectations issue. Or you can simply say you got decelerating growth and you also have a stock that was up fifty percent over the last year and these results. Just don't cut it. It's the ladder because you still have twenty seven percent revenue growth. Yes below thirty percent but their expenses sir up I mean profit. Profit is now only up sixteen percent. Because they're spending more. Tim Talks about this all the time. But let's just quickly look at where the stock has put it in context. The old high that July two thousand eighteen high basically was two and nine and a half to ten. That's where we are now for the first time in a while we're revisiting those levels. I'm going to be fascinated to see tomorrow if it holds and bounces for trades through. I think tomorrow we'll tell you all you need to know about the stock for the next ten to fifteen percent and quite frankly actually right now. I think it all hangs in the balance. Just do think it is a matter of those operating expenses. They talked about when you think about this and a lot of people are focused on that earnings number this year. Twenty twenty five percent. EPS growth. That seems fairly dramatic. I think you can go back and look at Google over the last ten years. When you saw periods where revenue growth was still amazing if you think about revenue growth is expected to be over twenty percent this year? That's big number seventy billion dollars in sales last year. We know why they're spending here and those issues are in front of this election year. That's they can't really get that wrong. I expect twenty twenty. EPS growth to be higher than what consensus. Settles Out Tomorrow when we get at some point the back half of the year. So if you're thinking about it at twenty times it's probably pretty reasonable given that revenue growth and I'm not a facebook trades at a discount not only to the certainly the the appeared group. Whatever you WANNA call it the social media but certainly within the fan but it trades at a discount? Because not only did I I. I think that Revenue Growth First of all twenty five percent was below street expectations. I think industry was closer to twenty-seven FX neutral twenty eight percent. So when you're not growing on the top line and everything we can all talk about optics because I think it is the existential issue for the company but bottom line line management gets they get a discount they get a discount in this valuation. They still can't tell you how they're going to get control of their business. And that's something that I think. The market is punishing them for fourth straight great quarter of revenue growth issues. Right is that the biggest takeaway that's the biggest takeaway because the market environment win. Investors are paying up for growth in a relatively low growth. GDP environment you look at the stocks that are performing their names that are growing fast so when that decelerate S- and you have a relative to the market market high pe ratio. Your stock gets crossed down seven percent. It's GonNa take some time for me. FACEBOOK is likely dead money for another quarter until they turn turn out until you turn over some turn over some of the investors that were in for that high growth as well as get a little bit more clarity and maybe we get some more on the call about the expenses and how they're going to resume Gr- other side of that as well. Okay that's fine. Do -opoly is. It's a two person game and they're in the game and the best player in the biggest player within that game so one the stock why not take advantage of this because the stocks underperformance peer-group. It's under from the triple Q.. Fifty percent force because I mean. Think about where we. We're on cinnamon. After after again that first revenue miss you just talked about three or four successive quarters of revenue. So that fifty percent move and it's thirty percents since October on some levels handicapping capping the stock here. But but to be clear if you own this stock relative to its Peer Group you've underperformed for the last two and a half years. That's the reason you don't own the stock to his appointed duopoly. Do you want to own one of one of those two for the next ten years or whatever I mean. Here's a point. I played in devil's advocate a little bit here. They're still growing users. I mean on a so quenching chill basis if your users grew nine percent so users haven't left a platform for all the reasons that people are unhappy with this company about advertisers. Certainly have not either. So that's really the the bull case on a longer term basis and we're talking about the multiple relative to the market. It's actually pretty fair. And I think there's a lot of people would be willing to kinda discount. The reasons why earnings growth with has decelerated so much. Listen law large numbers when you're growing sales the way this company has okay two thousand seventeen. They grew sales at forty seven percent. Eighteen thirty seven percent last year. Twenty any seven percent expected to be twenty two percent this year. Still pretty good when you're expected to eighty five billion so I think there's a reason why people who want to be exposed to this massive at digital advertising retiring Pi. It's one of the only places where she got to go. You WANNA buy Avenue Amazon for their five billion dollars in advertising sales twitter for the three points Dow Jack Investor. That's in here though. So the long term investor. You're going to own this for the next ten years. It's down seven percent knock yourself out go and buy it. But there's this period of time where you have investors in there that had been in it only because it's a gross stock. They could care about the digital ad team. They don't care about any of that to say. Where do I get? The most growth growth stock breaks like this. When that breaks it takes some time so it really depends on what you are? Are you a traitor. If your trade stay away from this for a couple months if you're an investor and you're saying you know what I want to be in this space between Google and facebook for the next five years down some of your knock yourself out you're saying the growth is so great. Where else can you get? This kind of growth. I mean where else can you get this kind of growth this kind of valuation well. That's not a lot of people sheet. They're not expensive stocks right. That's the point but this cheaper than most of the fangs. Look it's in is the cheapest. Let's be clear it's twenty times. Four reasons and the closest period has google and Google certainly rated a couple of turns on the multiple. But I still Jill thank you have a case where everything we said. The most important thing is right now. Advertisers haven't left the advertiser. Roi Is very impressive on facebook Except for the fact that the and the AD growth at around twenty four twenty five percent is something. That's kind of. It's going sideways here. I don't know I think this may be kind of the peak of some of that. All right let's look at the other a big tech mover after the bell. It is Microsoft trading at all time highs after its own earnings beat. Let's

Facebook Revenue Growth Google Julia Microsoft Scott Twenty Twenty San Francisco Josh Lipton United States Sebastian RBC Canada CFO TIM David Wayner Mark Mahayni Jill ROI
Looking back on a long trade war

Marketplace with Kai Ryssdal

02:50 min | 1 year ago

Looking back on a long trade war

"Have tried. Laurie have we tried to keep you up to speed on the great Sino American trade war of two thousand eighteen nineteen without overwhelming. You because kids really the appetite for a whole lot of this harmonize tariff Shedu five six seven eight point one nine point two noted knotted netting of twine cordage or rope excluding fish netting all made up fishing nets of man-made Textile materials or or this harmonize tariff shedule. Four one zero five point one a point one oh sheep or lambskin 's without woollen tend but not further prepared wet blue. What blue what is that anyway? Your appetite for that is probably finite but look this trade. War is the most important thing that's happened in the global economy. In the past two years it has rattled global markets. It has changed changed the decisions. The Federal Reserve has made it has bewildered small businesses and it has cost American consumers and businesses billions of of dollars so today on the program with the deal set to be signed. Tomorrow how we got here. Where here really is? And where do we go from here here today. I'm directing the United States trade representative to examine China's policies practices and actions with regard to the forced voiced transfers of American technology and the theft of American intellectual property. We will spare you the whole time line. We've got it online and marketplace dot org if you want the nuts and bolts but that right there from president trump back in August of two thousand seventeen that is the trade war origin story from there was just a short step to global tariffs on washing machines and solar panel steel and aluminum and as things stand now tariffs of as much as twenty twenty five percent on more than half of everything that we buy from. China it's important to point out to more things really number one. We don't actually know what's in the deal that's supposed supposed to be signed tomorrow and we won't until after it signed a number to a deal it may be but this is not the end of the trade war we're still building tariffs on three hundred and seventy billion dollars worth of Chinese imports and in a statement to Bloomberg Today Trade Representative Robert Lighthizer said and this is a quote. There is no agreement for future reductions in tariffs so where it's all gotten us and where it might lead US straight ahead on Wall Street the day before Ordeal Day. Not a whole lot of trade inspired enthusiasm see also priced in so from us some trade war details when we do the numbers

China United States Representative Laurie Federal Reserve Bloomberg Robert Lighthizer President Trump Theft
Online sales set to outpace traditional retail this Black Friday

Michael Berry

00:32 sec | 1 year ago

Online sales set to outpace traditional retail this Black Friday

"Online sales may outperform Black Friday sales like they did last year eight billion was spent on cyber Monday last year just over six billion was spent on Black Friday but Ronald treatment head of consumer and retail for Markham LLP says online sales in general represent a total of about sixteen percent of retail sales I take it a few years it'll be as much as twenty twenty five percent of all they'll because people are going to more more online but I don't think brick and mortar store disappear the national retail federation predicts consumers will spend a four percent more this holiday season compared to

Markham Llp National Retail Federation Twenty Twenty Five Percent Sixteen Percent Four Percent
Hydrogen Power, Modular Nuclear and the Other Technology Xcel Energy Has Its Eyes On

Climate Cast

06:22 min | 1 year ago

Hydrogen Power, Modular Nuclear and the Other Technology Xcel Energy Has Its Eyes On

"You've heard about xl energy goal to be one hundred percent carbon free by twenty fifty but what are the mechanics to get there and is the technology there to deliver reliable power at lower cost. Let's ask xl CEO Ben Folk a how he plans to meet that climate-friendly goal hi Ben Hey Paul. How are you good. Thanks for talking with us today. What is the specific plan to get it to the carbon goals that Xcel has set by twenty thirty and carbon-free by twenty fifty right well. I'll be the first to tell you that will have to have technologies develop up to get us that last twenty percent of carbon out of our system technologies. That may not yet be there today that they're there but they're not commercially viable. Oh no because affordability reliability critical to this but the good news is technologies today will get us to that eighty percent carbon reduction by twenty thirty and they'll do so in a way that affordable and reliable when we talk about carbon neutral versus carbon free. How does that translate to what xl is trying to do? So what we're trying to do is a very pure carbon free meaning that none of our plants are emitting carbon and we're not having to buy REX renewable energy credits to get there so the reason why we're focused on that because we want this to be sustainable and replicable and awesomely we're all part of this thing called a big grid and and we all interconnect with a very few people truly disconnected so we're trying to show away that other utilities and other industries can also be carbon free. I WanNa want to get to some of the mechanics of that in a minute but let's talk about cost. I what where are we with. The latest costs for things like wind solar. Call all the types of energy energy that you have to look at where those costs trending right now you know ten years ago I would be talking about buying wind at sixty five dollars and today I'm talking about buying win for twenty dollars or less and that then competes head on with the price of fossil fuels so often sometimes I say that you know I might not totally retire the the gas generation plant but if I can use a lot less of it and make the fuel win versus natural gas and that that wind fuel is cheaper than the natural gas fuel than the environment benefits and our customers benefit. I WanNa talk a little little bit about wind full disclosure. I'm one hundred percent wind source customer with Xl Energy. How many minnesotans great how many Minnesotans have signed up up for wind source or some of the solar options that you have. Oh I think we're probably in the tens of thousands. It might even be close to one hundred thousand wow that program Paul is where we actually go out and retire noble energy credits which allows you to get one hundred percent of your energy from win but again. I can do that for you. I do it for myself. We can do these things for other customers but ultimately it gets back to if we want to be completely carbon-free. We have to make sure that big grid that we all connect back to US carbon free and is there demand strong demand. You hear that you see that from your customers. I think I went on your website and saw that one of your programs has a waiting waiting list. Is that true yeah I renewable connect product. which is kind of the next generation is very popular because it'll it basically locks customers in to a renewable resource for a period of time one year five years ten years and then depending on what the actual prices of energy do over that timeframe you might even save money and really interested in because we actually go out and build that wind farm that Solar Forum specifically for that group of customers so the program sell out pretty quickly. Let's talk about nuclear how long will nuclear power remain part of excels portfolio well. I I will tell you Paul. It's absolutely critical that that one of our plants are Monticello plant. which is scheduled to retire in Twenty thirty we've asked under our resource plan to extend that another ten years we won't be able to meet that eighty eight percent goal and move away from coal without the extension that nuclear plant now where nuclear ultimately goes. I think is depended it upon what the next generation of nuclear looks like and what the price looks like and what that compares to other alternatives. I happen to think it needs to be in our nation's energy portfolio oil. It is carbon free. It's twenty four seven dispatch -able and very important to the grid health so I'm a fan of nuclear but I'm also a fan kind of other technologies if they can do the same job well. Let's talk about some of those other technologies how much solar and how much wind is xl planning to add in the next several decades well well. We're already been a win leader for the last thirteen years. I believe we'll continue that wind leadership as we start to shut down our coal plants or replace a lot of that was solar energy so in the middle the twenty twenties look for us to add about three thousand megawatts of solar and trying to put that in context for for your listeners but it would probably it'll ultimately represent probably about twenty twenty five percent of our energy mix we as we move towards twenty thirty. I had had the opportunity to visit a solar garden earlier this year out around Norwood Young America and one megawatt project. I think it took up about ten acres of land and I'm curious how are farmers and other landowners cities reacting to the growth of solar and wind in Minnesota. Is there any pushback on the land use there. There's always some on pushback on any technology I think but for the most part wind is been really embraced by the farming community because you can still farm the land and I've had farmers come. I'm up to me and all the states we serve and and and tell me that if it hadn't been for the wind farm we put on their their farm in the royalty stream that goes with that then they might not be in business so it's generally been popular. There are issues with it. Solar is a little bit different. I mean you can't really farm the land and you're right. It's very land intensive about six to eight acres. Here's for per megawatt. I think that's an issue that's more pronounced when you're closer into the Metro region because cities don't necessarily want to see their land be devoted to a solar farm. They'd rather develop it as you get further out into the more remote areas. I think we can we can bridge that concern

Ben Hey Paul Xl Energy Noble Energy Xcel CEO Ben Folk Norwood Young America United States Minnesota One Hundred Percent Ten Years Twenty Twenty Five Percent
"twenty twenty five percent" Discussed on WGN Radio

WGN Radio

02:11 min | 1 year ago

"twenty twenty five percent" Discussed on WGN Radio

"Is tremendous here know when I'm alone there's one point two million kids every year they live in low income households is there families that are struggling whether that to pay the rent the mortgage or whether or not they can afford school supplies and you can imagine there's a huge self esteem component to what we do as you can imagine what it's like for a kid who goes to school and doesn't have supplies and then what do they do and how does it make them feel free to ask the teacher for help do they ask for their classmates it can be very embarrassing and certainly not the way to get kids launched a successful year yeah you're absolutely right on that the teacher part of this too is one that I know some couple teachers myself the and you mix the toilet paper thing not only toilet paper but often times food for a kid's whether it be you know power bars are granola bars because so many kids come to school hungry so the teachers have a huge burden yeah unfortunately while the stock market is done really well for a lot of people there's still a tremendous amount of of families here again across the country in effect last year we launched back to school American so actually now starting to do programs up outside the state of Illinois help because they're struggling families everywhere Matthew you talk to a little bit earlier about that the team building to build a kid act and this kind of fits in with the economy part of this corporations companies that do have extra money these days whether it be because of the tax cut bill or whatever this seems like not only good way to help out your community but the a team building for their employees yeah absolutely our ability program has been a huge driver for us in fact last year represented about twenty twenty five percent of the over thirty five thousand kids that we distributed companies love this and in part because especially for for young people millennials in particular they don't just want to write checks they don't just want to donate actually I want to know where their money's going they want to be involved in that process and so are our will to keep program allows them.

Illinois twenty twenty five percent
Perovskite LEDs begin to shine

Science Magazine Podcast

08:47 min | 2 years ago

Perovskite LEDs begin to shine

"Now we have Robert Service Steph writer at science and he's here to talk about perofrmance gates which I'm sure I've heard once a week for the past five years, the word, Perov skates. They have a lot of education's. And in this case, we're gonna talk about their use in LED's in light emitting diodes, but I typically hear them associated with solar energy, right? Bob rewritten, quite a number of stories about fraud, Skype in the past, and prostitutes are a large collection of materials that share a common crystal structure, and these materials have been exciting and very exciting for the research community in recent years, because they've proven to be very efficient solar cell materials. So they're really good at absorbing sunlight and then converting that energy into electrically. But we're, we're talking about LED's, right? What this is kind of the reverse you feed energy, or electricity or form of light energy or something into. These materials, and then they convert that into specific colors of light that they emit. And so this is what LED's do LED's are very common in the modern daily life, our lights have our TV's have are made of them are cellphone displays have LED's what's an LED it's not Ross guides right now. What's in there, right? So there's quite a number of different materials that are used in LA days. There's a whole class of inorganic compounds that are commonly used in lighting fixtures. LED lights would buy from Home Depot. For example, I believe would be made with those materials, whereas in our cell phone displays and in many TV's that have LED TV displays many of those or Ganic materials. So those are nice because they can be processed differently. They, they have different advantages than were at sort of entered this whole picture, is that Ross guides are really simple to make that use very commonly available. Starting materials and then they can be processed very easily at low temperature. They don't require being grown under vacuum hood or anything. Right. Very complex. And so it opens the door towards making very large area lights or larger displays with bronchitis. That would also be quite cheap. Whereas the other ones are more complex manufacturing process for solar cells. Yes. That's correct. So, for example of Liz silicon solar, so you have to grow the silicon ingot and then which is a purified silicon, and they have to slice it. And then arrange it, and so with props guys, you can basically just brew up a liquid solution of the starting materials than spread it out over surface. And then you heat it up, very gently in materials crystallize out of that process is actually a description of the crystal shape. It could have many different components in this crystal is that how they would make a display. A out of process that was different colors. They use different minerals within the same display. Yes, in short, if you want to make visible light display, right? And you wanna develop the primary colors red green and blue and then by combining different levels of those colors, you can make the other colors with rainbow with Brodsky's you tune the color based on the chemical composition of the props guide itself. So they actually have a different recipe of the product for green than they do for red, and then they do for blue, you know, the idea would be to make individual Nanno size components of one recipe. And then organize them in a way that makes pixels for display and one of the papers that we write about as a paper that came out last week in science advances, and it offered a way to make a pretty sophisticated display using rod sky. And they, they first synthesized their different recipes for the different colors of. The Prague skylights, and then using advanced three D printer to not only make different pixels of the different colors, but then to orient the Nanno crystals or the nanna wires in this case within each of the pixels, and so the nanna wires omit their colors better in one direction than they do another. And so those light waves oscillate with a particular favourite orientation and that's light polarization. So when you have polarized sunglasses that screen out a certain polarization as the same idea here. So light is getting omitted in a preferred direction than they use filters to select which colors of light. They wanted to see. So if you say you had products that were gonna shine red, and they were oriented with their nanna, wires facing horizontally, say, well, then you just turn your polarized or so it to horizontal then the that light would come through, and you could see it while it was at the. Same time it was blocking the other colors. And then by just turning the polarize or you could just tune whatever color you wanted to see very cool. Okay. What are some of the major advantages of using parasites in LED's, the main advantage of profits and Ellie dis is the prospects for making cheap large area, lights and displays the other thing that you've seen with processes. They've caught up inefficiency. They're, they're doing really well on the solar side has something similar happen with their ability to emit light in the LED format. The answer to your question is, yes, that's exactly what is happening now is that the a really catching up to in this case, the organic LED's by reaching that milestone, that reaches a level of performance. That is a commercial standard. What is the target efficiency for taking trinity turning into only, and where is Pasco technology along that spectrum, there's different benchmarks for different applications? For fishing Ince's. So the, the lighting technology that is used in light bulbs in homes like that. Those can actually be really quite efficient. I believe some of them around fifty percent. And then they go up from there, even higher that's really quite impressive. And, and if you've ever touched a regular incandescent light bulb, you know how hot it is. The reason is a regular incandescent light is extremely inefficient. Most of the energy in an incandescent light is converted into heat, which is why you burn your hand, if you touch them. But if you happen to touch get close to LED light in your house, they are not very hot and that's because most trinity has been converted into light. So for perhaps gates, ideally, you just wanna go as high as you can because that makes them more cost effective. It also means that if you're creating key that can have other problems that can cause breakdown of the devices. So if you're if most of your energy is going in from electrically into light than. And that's really good for the lifetime of devices as well. But certain applications can tolerate lower efficiencies. So, for example, the old led displays the organic light emitting diode displays TV's those are around twenty twenty five percent efficiency if, if I'm not mistaken there. And so certain applications can tolerate Laura officiency, if they can reach an application that the inorganic can't do or that maybe they'll be a different form factor. Maybe they'll be might be able to do it over a much larger area, which the inner Gannex can't really do easily, so there's different numbers for different applications. Why in a big issues with the process on the solar side end now on the only desire is there, not that stable, you make one and then it kinda doesn't last at last days. That's been true with both of them the solar cell manufacturers in. Researchers are really getting pretty good handle on this. Now, they're they've come up with a whole slew of technique. To make these things more robust. And also to encapsulate them in protective materials that than keep them from interacting with air or humidity in the air, which part of the things that really caused him to break down. It's still earlier days on the LED side. So I think they're still trying to get a complete handle scientifically on why these things exactly are breaking down. The other thing I would just add that the organic vitamin, there's twenty years ago, face the same problem. And, and so the research community at that time really had to grapple with how to get those materials to have a longer life. And just by virtue of the fact that we now use them all over the place. That sort of shows you that they made steady significant progress in doing that. And so there's a lot of hope that, that will happen as well with the LA days, but they have to

LA Ross Home Depot Fraud Robert Service Writer BOB Perov Skype Bronchitis Ellie Dis Brodsky Prague Pasco Laura Officiency Gannex
Canada Goose shares plunge on revenue miss and outlook cut

MarketFoolery

04:41 min | 2 years ago

Canada Goose shares plunge on revenue miss and outlook cut

"If yesterday was all about payment technology, and it was today is all about retail. And we've got earnings and I'm putting earnings in air quotes because there's a lot of red out there today. Let's start with Canada goose, which is the maker of outerwear and Benson jackets. I own this on the stock just got cheaper the stock just got cheaper and let me just say a lot Canada. To anyone listening, please ignore any headlines. You see about Canada goose fourth quarter adjusted prophets being higher than expected. Because none of that matters revenue was weak. And the company said it expects a now I'm quoting materially larger losses in the current quarter. Well, this is this actually that that's not really very shocking. I wouldn't call revenue week. It was still pretty good growth. The, the problem here is there. Always surpassing estimates. They missed the estimates by Wapping eight hundred thousand dollars. Stocks down twenty five percent or close to it right now. So that is a bit of an overreaction, but it's understandable revenue was up twenty five percent, and that's in Canadian dollars, and I can't remember how Canadian dollars compared to real dollars these days, but we'll do things in Canadian dollars since that's what I have in front of me. And they said looking out that, well, this was slowest revenue growth in several quarters. But this is not really that crazy. They sell expensive jackets and you can't grow forty percents every quarter forever. You know, you start you get a bigger base in that growth becomes harder to achieve now the material larger losses in justed operating earnings and net. Income are also really nuts. Not a surprise because they have been building out, a small small butts, but larger retail footprint. And so you talk about quarters where you're not selling as much product mostly, they still sell in Ohio end jackets. So when you're selling less product, but you have a bigger footprint in your putting the pedal to the metal on on systems to support that footprint. You end up with more losses in the quarters where you're not gaining the revenue. None of this is to say that this is awesome news. I'm I'm not excited about it as a shareholder. But I'm not really all that worried. This is a company that was trading at a premium. So this is not unexpected. But I don't think this is a signal for the end. So let me get to the math for second because while you were chatting, I just use the Google machine one coalition one, Canadian dollar equals basically seventy five cents in the US, so eight hundred thousand dollar loss. That's just a shade under six hundred thousand. Dollars. So you, you really look at this stock down twenty five twenty six percent and you think to yourself. This seems like a little over reaction. I would have expected something more line of like ten fifteen percent. But what do I know people are worried about a lot of stuff today? We've got the trade war continuing to go on in many other retailers are kind of stinking it up. We've got a couple of you know, we've got an we're gonna talk about Abercrombie aren't we is this a is this transition? Is this what's known in the biz is a transition also down around twenty twenty five percent of we can. But let me just say one last thing with Canada goose, which is I mean this stock with the drop today is basically where it was a year ago. Yeah. So it it has visited lots of interesting places in between now. It's sort of mid thirties today. I was near a double not long ago. Yeah. I didn't sell it because this is a stock that came to me when I was in New York City, everybody was wearing these jackets or knockoff version. But even the dudes carrying noodles. Out of the dumpling shop, that I like. So these aren't folks who make a ton of money their, their delivery dudes on vikes. They were buying the actual candidate goose jacket because they didn't wanna freeze. It was really cold at that point in time, I came back, I started looking into, you know, reading reviews of the jackets, even the dirtbag gear magazines were they frown on sort of boutique expensive stuff. Their attitude was, you know, it kinda hate to admit it because he's really expensive, but they really are a step above. So if you've got the money this is what you should go for. And then I started looking at the financials, I thought this was worth an investment to me. They're doing a good job, but it's always been high price stock. And if you be can't hurdle that earnings estimate for the first time in a while everyone freaks out.

Canada Abercrombie Ohio Benson Google New York City United States Twenty Five Percent Eight Hundred Thousand Dollars Twenty Five Twenty Six Percent Eight Hundred Thousand Dollar Twenty Twenty Five Percent Ten Fifteen Percent
"twenty twenty five percent" Discussed on Recode Decode

Recode Decode

01:42 min | 2 years ago

"twenty twenty five percent" Discussed on Recode Decode

"And so, you know, we don't think about that, when we walk to Starbucks in downtown San Francisco, but there are billions of people who are not have not been brought into the financial ecosystem, and I think any time in history, you have reduced the cost and increase the efficiency of technology, more people into correct messaging will phones. It takes us even more. So, you know, you and I, both remember when sending one text message might cost twenty five fifty cents. Yep. Yep. Yep. And now is that cost came down to zero itself? I think really is even more. So the concept of everybody having ever. Yeah. I think though in the late nineties, everybody had a lot of people had mobile phones, but sending one text message like twenty five cents. Right. So you were very thoughtful about how many texts you sent nowadays. It's like you know, think about it. You don't think about any of them thinking about us, having a cost to send us international calls. Oh, yeah. Like I had, I'm not going to say, which is active because he's under scrutiny right now. But one was complaining about when they first got the iphone and the international pricing. Remember, eight nothing worse than a billionaire complaining about the cost of something I was like I don't care. I'm so glad you got cheated in any case. Let's get to the problems that you see for see right now. What are, what are some of the big issues that you? Being a problem. I think one of the challenges that is often talked about in the space is regulatory comfort and uncertainty. And, you know, I spend probably twenty twenty five percent of my time flying around the world meeting was regulators globally, more often than not, that's simply education people. Hear the word crypto and they go to that Silkroad place. You know, I quickly explain to them your ripple enabled technologies ripple..

Starbucks San Francisco twenty twenty five percent
"twenty twenty five percent" Discussed on Newsradio 970 WFLA

Newsradio 970 WFLA

03:36 min | 2 years ago

"twenty twenty five percent" Discussed on Newsradio 970 WFLA

"Exclusively have credit cards. So this is a personally affecting me in any way. But I like my I'm thinking of like my grandma like she might want to go to a baseball game. She always has cash old people always times get with the times that I always had cast on one thousand nine hundred tenders always have tip money and caps that they wanna to get rid of. But they don't feel like driving to the Bank to deposit. This is a new era people use cash Dell. Then they gotta get with it here. I mean, this is where everything is where it's at. Do you the cash you do the cash free zone? And then when I go to pay for things because you know, sometimes you tip at ballparks and things like that. So you pre cash free print out the receipt have the tip possibilities laid out for me. So enough do the math fifteen twenty twenty-five percent, whatever. So I could to it and go that will speed things up very convenient that you don't have to touch nasty money. Exactly. And I get to keep my hands clean. That's an added bonus. The only thing that I haven't been a huge fan of at times is Apple Pay. I was just recently at an establishment where I tried to use it, and it didn't work and it saying hold the phone. Gotta hold the phone close to the thing is saying hold. I got the phone on the thing. Can't be any. And it's still not working. So tried in a store to use that. Oh, yeah. It's great. You have your phone, and that's it. That's that's where I want to eventually evolve. To is that that see that would give me exactly I would have to carry my cards anyway, just in case it didn't work because even if you get the technology to be more for if you never know something with your cell phone. No good come up with naked gives me. See what you do is. Then you get the phone case where you can put the one card in it. And so you'll always have a backup a hard back up. And then you've got your phone, and then you have less stuff you have to carry around. See you want the entire city of Tampa. Eventually, florida. The country the country. Small. I think big. To become cashless at some point. Plus to me if you do it, right? And I'm still not quite there yet. I've still got some tweaking to do. But if you do it, right? You get there are so many added bonuses for paying with a card. You get the points. You get the cash back. You get all those kinds of things. So you could really turn into something positive. You don't get that with cash. No, I guess not. But I don't like the visa gift cards because activation fee. So I'm anti that. I that I rented casket read gift card. Yes card debit cards only. Yeah. Just do. Can he do gifts the pay pal like for Christmas? Can you do that? Would that be? Then let's go with that works for me. Your thoughts on Tropicana field going cashless? They are making some aggressive changes. Yeah. And it's interesting that this is all kind of happening after the the stadium deal in ebor city, kind of fell apart all of a sudden now the top level of Tropicana closed off and Trump can't feel cashless. They want some good publicity. They are certainly trying to do things a little differently. Eight hundred nine six nine ninety three fifty two is the number eight hundred nine six nine ninety three. Fifty two will take some calls on Tropicana field going cashless? Also, we have an update on the sea bring shooting that we have to get to. And we have a story about Andrew gillum an ethics report on him that I want to touch on as well..

Andrew gillum Dell ebor city florida Tampa Apple Trump fifteen twenty twenty-five per
"twenty twenty five percent" Discussed on WIBC 93.1FM

WIBC 93.1FM

02:32 min | 2 years ago

"twenty twenty five percent" Discussed on WIBC 93.1FM

"And I'm happy to announce the. It's a record. The government shutdown. Trump has done it. He has absolutely done it, and it, you know, it's hard for me to get excited. About what a politician does. Because I don't like them. Politicians, and I don't really care for Trump. But. The government's really shutdown though. It's just a non essential services, which apparently means paying their paychecks. Well, right, which apparently means eight hundred thousand government employees half of which are expected to show up to work for no pay. And why do we have non essential government? What's the point of this like like, wait? So so now, we come to find out that we are being taxed to pay for employees who are just simply not essential to the operation of the government. Whatever I talk about eliminating this government program or that government program. People certainly act like these things are essential. And now they're saying, well, we sent home the non essential employees. Hold on a minute. New decides right because they always pick the most some of them, at least the most essential seeming employees to send home they've shut down the passport offices. I mean, if if there's one essential, right? Like we like to see the government get rid of passports, the whole world around. Right. But as long as they exist than it does seem like something the federal government ought to continue doing, but as long as the border and go says, please you're gonna have to get papers. We'll right. And in this case, the border patrol is considered essential. But they're not getting paid so half of these guys. Eight hundred thousand is the amount that it affects which I've heard estimates that that's around twenty twenty five percent of of the government while four hundred thousand of them. It depends on how you run the numbers. A fulltime employees are part time, employees and contractors. So four hundred thousand of them, including the border patrol are being told you're essential. So you need to come to work, but we don't have any money for you. You're gonna get it. We promise once the they probably will pass the two bills now to ensure it so I'm pretty sure it will happen has Trump's sign them. Is he essential? He's essential to the shutdown unless they can get a veto override against.

Trump government twenty twenty five percent
"twenty twenty five percent" Discussed on SuperTalk WTN 99.7

SuperTalk WTN 99.7

01:36 min | 2 years ago

"twenty twenty five percent" Discussed on SuperTalk WTN 99.7

"Of broadcasters and this station. I'm so used to my bumper. Didn't realize. Bumper music. Investor coaching show. Like on Wednesday start talking. Oh, man. So there's there's some changes going on in terms of, you know, contribution limits to retirement plans coming up in the in the next year her somebody asking about sept- plans set plans, you typically the way they work, you know, when you're looking at different types of retirement plans for for if you're an employer their plans and typically they are used when you have just. Maybe just yourself as you're by yourself as the company owner, I actually used one when I had one employee back in the days when I only had one employee problem with a set plans as you put a percentage of the income in and due to a quirk in the law. It's works down to about twenty percent of your your income is twenty twenty-five percent contribution limit works out to twenty percent. So you can put that in. But you if you put twenty percent of your income, you gotta put twenty percent of the employee's income..

twenty percent twenty twenty-five percent
"twenty twenty five percent" Discussed on The Art of Manliness

The Art of Manliness

03:54 min | 2 years ago

"twenty twenty five percent" Discussed on The Art of Manliness

"If the thing that were causing this to happen was essentially for lack of a better word of positive thing. Then I would be you know, applauding. It right. If people are doing this because they feel more comfortable saying, no because they have other occupations that are keeping them happy and fulfilled, and allowing them to connect people in other ways like that would be a terrific thing. And for some people those things are probably true. I talked to some people who were not in sexual relationships, and we're not interested in their twenties and romantic relationships because they were busy with work and school and had really wonderful rich lives what I'm more concerned about is the sort of large number of people, I talked to who felt very stuck and frustrated and like they didn't know to how to meet somebody, and they were really having trouble making connections, not just sexual connections. But really, I would say sort of relationship connections. More broadly, not just physical intimacy, but emotional intimacy, or you mentioned one thing there that one reason people are putting off young people are putting off sexual relationships is that they've invested more into the professional and academic success over that dissects, but just relationships. Why is that why are young people today more focused on that, you know, than save maybe their errands or grandparents well, so at you know, all of these generalizations are obviously tricky, but I do think people now in their twenties have a lot of sort of economic uncertainty that they're having to grapple with which may make this seem like less of an immediate priority. I mean, a lot of a lot of people I spoke to honestly were so sober and responsible in. We're like I have to get my education taken care of. You know, I I'm still living at home. You know, if I can't even figure out how to sort of pay for my own apartment. I shouldn't even be worrying about this next step. There was a notion that things need to happen in a certain order part of the problem, though, is I think that is a little bit outdated that is people are sort of holding themselves to the standards of their parents generation, even though some of the jobs and other things that may have supported their parents ability to connect and get married in their twenties. Just aren't really there and people are really having to patch together, multiple jobs and sort of. Function in the gig economy, and all that all that stuff. So. Yeah. People feel like they have to have a job in a house before they get married is like, and I mean, we've seen for a while that is married traits were declining and also people were delaying marriage that marriage seemed like it was sort of some scholars have described it as a capstone like something you you looked to when everything else in your life was together. And I wonder if something similar is happening with romantic relationships, general generally, like, I shouldn't even be worrying about that. Until I see myself being on a track route you're looking for my lifetime partner. So a lot of young people are prioritizing work in study over relationships romantic relationships, but at the same time, you cite a study in your article that, you know, the majority of students or young people wish they had more opportunities to find a long-term boyfriend or girlfriend college is like the best time to do that. Because you're just with a bunch of peers your age, and that's not happening. So what's going on? There are young people just sort of copy between two contradictory. Desires desire. Get ahead. But also started relationship, I think so I think so I think that there is a notion with sort of hookup culture that you kind of have to choose between casual sex and no sex, and I think that has sort of left a fairly large group of people out in the whole sort of in the cold, so to speak some of this sort of more recent research on so-called hookup, culture, overly has shown that a lot of the way that we talk about it think about it isn't really quite right. So, you know, it's not something that most people are engaging in with wild, abandon, it something that may be sort of, you know, twenty twenty five percent of people are really active participants in and other people may be sitting at out altogether. And I think you know, I talked to people who felt that on campus..

partner twenty twenty five percent
"twenty twenty five percent" Discussed on WMAL 630AM

WMAL 630AM

01:41 min | 2 years ago

"twenty twenty five percent" Discussed on WMAL 630AM

"Growth in sales during the holiday season five to six percent over one year period. That's huge sure. In holiday shopping. Yeah. And you look at the, you know, the big ticket items that that most people go for this time of year a lot going on with with with technology in terms of always with phones. But then beyond that televisions. And and all the other big buys that people. Make question is how much of how much of that is is black Friday black Friday. If you think about it really is. I mean, you have those loss leader sales, and the overwhelming majority of people don't go out, you know, at three AM four AM, whatever it is midnight late Thursday. While they're still eating carrying their played into the stores. The majority of people don't do that. But you have this huge residual effect of people just because the overall awareness going out and getting these secondary sales. Maybe you didn't get the television which was a super deal, but you still across the board you saved whatever it was twenty twenty five percent based on other sales that were going on. So it's and then you have your cyber Monday, which is still a thing. But I I mean, I think in today's world cyber Monday, you're going to have to if you're going to compete with Amazon on any day, including that day, you're gonna have to get your shipping is going to have to be free, and it's going to have to be timely..

Amazon twenty twenty five percent six percent one year
"twenty twenty five percent" Discussed on Newsradio 970 WFLA

Newsradio 970 WFLA

01:44 min | 2 years ago

"twenty twenty five percent" Discussed on Newsradio 970 WFLA

"But the point I'm trying to make his radio listeners TV viewers. We're getting a lot of calls of folks that said this was a democrat who is trying to make it look like it was a nutjob Republican or Trump supporter targeting these Democrats. And in fact, well, not the way things are shaking out here. It appears that we're dealing with a nutjob Trump supporter, maybe a Johnny come lately because it appears according to the voting records that he might. And again, this is from one source. In south Florida that he registered as a Republican to vote in two thousand sixteen. His van is maniacal. It is crazy with all of the anti-democratic images stickers all over the van a pro-trump material. We haven't even seen all the material I can make out in some photos, maybe about twenty twenty five percent of what's on this van. But again, if you saw this van rolling down the road, you would say the driver driving. This van is a nutjob is out of his freaking mind. I before I got to call one quick audio by here. And this is from the presser last hour, Jeff Sessions attorney general who most likely is going to be on his way out after the midterms. Listen to this reporter asks a question about political motivation. Listen to this. Could you tell us why was targeting? Why was he targeting? Democrats is the question. What.

Johnny Trump south Florida reporter attorney twenty twenty five percent
"twenty twenty five percent" Discussed on KQED Radio

KQED Radio

02:10 min | 2 years ago

"twenty twenty five percent" Discussed on KQED Radio

"Got white MAC, I've heard of gray matter. Yes. Well, we think of the brains being gray would actually two it's great in white the gray stuff. Got to think of it as like the computer processor part? Yeah. These little clumps of neurons that process information. Computer? That's the great. Where's the white white matter? It's like the the connections between all these commute, computer. The white matter. In other words, is what moves the thoughts around gray is where the the thinking happens, and then white is you move the thought from here. Exactly. Yes. They transfer information from one end to the other case if got your grave, you're white. What y'all lean thought she would see when she looked into the brains of people who lie a lot. I thought out we will see a reduction some piece of it not they're missing something difficult. She thought she would find less gray stuff less of the thinking. Why would why would why? Because that's what she's seen in other mental disorders era kind of like this. And if you think about in a really simplistic level the graves where you think your thoughts, and it's also among the things where you crunch you moral calculations and liars, she figured have trouble in this department. So maybe they have less great. That was okay. But when she got the pictures back, which he saw was such a great increase. It's more and not the great more white matter. White stuff. Lot more twenty five percents a quarter to twenty twenty five percent more connections in their head the non liars. Yes. Before we get to what that means. What were you thinking when you saw this? I was really bubbling. I thought this was this was something something something something here's her idea. So far ready? She thinks these extra connections play a crucial role in a kind of in the moment, storytelling. That's essentially what lying is coming up with a story on the fly. And let me give you an example, you're leaving work. You're allowing your bitter and annoying. But nice co worker corners.

twenty twenty five percent
"twenty twenty five percent" Discussed on KQED Radio

KQED Radio

02:08 min | 2 years ago

"twenty twenty five percent" Discussed on KQED Radio

"You've got white MAC, I've heard of gray matter. Yes, what we think of the brains being gray would actually it's two things. It's great and white the gray stuff kind of think of it as the computer processor part the little clumps of neurons that process information. Computer chip. That's the great. Where's the white white matter? It's like the connections between all these commute, computer. The white matter. In other words, is what moves the thoughts around gray is where the the thinking happens and then white as you move the thought from here. Exactly. Yes. They transfer information from one end to the other case, if you've got your you've got your white what y'all lean thought she would see when she looked into the brains of people who lie a lot. I thought out we will see a reduction just some piece of it not there. Yeah. The missing something. Specifically, she thought she would find less gray stuff less of the thinking. Why would it? Why would why? Because that's what she's seen in other mental disorders, Eric kind of like this. And if you think about in a really simplistic level the graves where you think your thoughts, and it's also among other things where you crunch you moral calculations and liars, she figured have trouble in this department. So maybe they have great that was okay. But when she got the pictures back when she saw was such a great increase. It's more and not the great more white matter. White stuff. Lot more twenty five percents that a quarter to twenty twenty five percent more connections in their head the non liars. Yes. Before we get to what that means. What were you thinking when you saw this? I was really bobbling. I thought this was this was something something something something here's her idea. So far ready? Yes. She thinks that these extra connections play a crucial role in a kind of in the moment, storytelling. That's essentially what lying is coming up with a story on the fly. And let me give you an example. You're leaving work. You're alone. In an annoying..

Eric kind twenty twenty five percent
"twenty twenty five percent" Discussed on The Money Guy Show

The Money Guy Show

02:03 min | 3 years ago

"twenty twenty five percent" Discussed on The Money Guy Show

"A friend's house who has a lake house and this is the greatest thing ever but it's really cool when you get in the car at the end of the day and you don't have to pay for gas money you know a good friend and give gas money but i tell you if you're at that stage because you'll all you like man here he is he's go pick on it i get some of you are going to bob boat some of you go buy this stuff and i think it's okay as long as it's the cherry on your financial independence sunday meaning that you're so far ahead of the curve you've done such a good job of saving twenty twenty five percent of your income you have an army of dollar bills it's growing that one not you doing everything you're supposed to why not do some things that can build additional memories and other things and you didn't put on hold your cash reserves you didn't put on hold your retirement planning your debt manageable repaying off all your debt everyone college education goals i mean we wanna make sure that when you make a decision to buy that four wheeler or that weekend vehicle that we can convertible or the boat you know the this not jeopardizing something that you have in your future now here's the other cool thing about these toys and we talked about this and that show is well is that you can actually there's ways to see if you can get a trial run at these things think about the fact that you can rent an rv before you go buy an rv to do the cross country trip by the way i thought this'll be a great idea from family i was going i said let's draw from tennessee out to the national parks go out west right and then i was smart enough i said we'll fly back because we'll be tired of each other after you know week or two of rotting in living in an rv and mud teenage daughter said do they come with internet and i said no and she goes we'll we're not doing this because you would hate me three hours into the trip because i'll blow through the data like kind of a true point i told my wife said hey i wanna do this rv and she's like no so i mean aren't you so glad you.

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"twenty twenty five percent" Discussed on Bloomberg Radio New York

Bloomberg Radio New York

02:23 min | 3 years ago

"twenty twenty five percent" Discussed on Bloomberg Radio New York

"Other side of that is a little about that is still held domestically so it can cause a fair amount of pain if they want it to their own people those are similarities but the point is that this is actually not not not a smaller economy i think the the other differences though mentioning christly giving what happens next is most likely to be a failure to form a government in the next week or so followed by new elections after the summer but saying september but it's not obvious you know what for example the european central bank can do to make the crisis go way over the course of the summer i think we we we we risk having a vote in in in september and having to wake and see what the opinion polls look like and how party line themselves up on particularly keeping the euro so this is close isn't exactly a referendum on on your membership but it's it's closer to that and some of the things we seem to this is going to be a protracted crisis what you're saying three months of massive uncertainty followed by vote and then stay standing euro then we that page and stop trying to fix fundamental problems one thirty four the basis points increase in in the yields there i gotta wonder the extent to which it's impacting the euro it will continue to impact the euro the euro having been a somewhat overvalued you could argue and how much further down can go you know we we we fool them i would i would argue the year was incredibly undervalued just over a year ago we did rallied back not quite to anything that you might call value is still a little bit of a value but he got it got close saraeshazada something and but but the last two major crises of seen foles of twenty twenty five percent starting from here i don't think we can see that much but i i certainly wouldn't want to be trying to double guess exactly where the love is not here this doesn't feel like we're going to turn around now instead know if if we've got a summer really where know be called early elections but we call them in september that's all that's a lot of time to get through with uncertainty placing markets well i don't mean to pin you down but i mean is one ten within reach.

twenty twenty five percent three months
"twenty twenty five percent" Discussed on Masters in Business

Masters in Business

02:34 min | 3 years ago

"twenty twenty five percent" Discussed on Masters in Business

"Household and by the way i believe household is the best way measure for measuring standard of living my kids have agreed standard of living i wish i lived as well as they did but the the the data for average real incomes is up like twenty twenty five percent whether us personally fuse average hourly earnings europe about his as much so i think there's for some reason there's there's been this focus on this one data series and trump mentioned it when he was running for president that people's earnings of stagnated data just doesn't show that consumption is at an all time record high no no doubt about that so the stores close consumption continues to rise yeah yeah so how much of that is healthcare spending and how much of that is goods and services that aren't related it's it's really all of the above you know i mean standards of living have gone up across the board so if there was one area that that you had one magic wish to fix in the economy in public policy and what have you what would that be because i know you think about these things long and hard well you know i i'd like to believe the supply siders that you cut taxes and you're going to get a lot more work and a lot more income and it'll kind of pay for itself i sent some skepticism on your part in the way you framed that well it's it's it's faithbased economics and it hasn't it it always unleashes some animal spirits but it rarely pays it never seems to pay for well let's because you know maybe the p policy the politicians use that as an excuse like well we can go ahead and increase entitlement programs and not mean steps them and not worry about all these pension i mean schoolteachers are basically on strike in some states because they're not getting paid enough places where they literally have had no raises for tanks and then we have to buy a situation in flint michigan where the water supplies been polluted and a lot of that is because we we have this amazing concept that you're entitled to retire an if you're ministerial work your to retire at a very early age.

president flint michigan twenty twenty five percent
"twenty twenty five percent" Discussed on The Rubin Report

The Rubin Report

01:58 min | 3 years ago

"twenty twenty five percent" Discussed on The Rubin Report

"Just kinda surprising but things have sort of calm down i would expect is that just because of the nature of a democrat at that point because the state leaned so far the other way that if you're going to say you're a democrat you may as well go all in generally i think so and we also like every state we have our own nomination process and the republicans have closed republican system so you have to philly it with a republican with an are on the voter file and so therefore there are actually are a lot of independence who are actually filing as republicans because i want to vote that way and without party what's your policy on that for the opener close i i mean i don't know we've debated on the democratic side because the democrats are few and far between in my state we register at twenty twenty five percent but we do pull independence as i mentioned we're not in the driver's seat on some of those policies so we just sort of worked with whatever makes sense because we're not in the able to do anything about that yeah it's always strikes me as one of those things where it's like the closed primary does make sense to me because that's to nominate who you want out of that party and if you just have an open primary will you could get all sorts of people who will never vote for any of those candidates purposely getting into help candidates that they think are going to be more handicapped ultimately so i i know a lot of people think that closed primary things somehow a conspiracy or antidemocratic or something but i don't have a problem with independence because most feet raw tend to affiliate independent i mean people i now i mean there are people like you and me and elected or in the meeting or whatever that tend to be the insiders who obviously follow this and get very deeply entrenched and every step of the way and i think most utahns are sort of in the middle and so i don't know that's a little confusing because if we close both the an independent independent does nothing or you can say the independence can vote in either but.

philly twenty twenty five percent
"twenty twenty five percent" Discussed on Amazing Business Radio with Shep Hyken

Amazing Business Radio with Shep Hyken

01:35 min | 3 years ago

"twenty twenty five percent" Discussed on Amazing Business Radio with Shep Hyken

"Great it's so easy to any business to implement today and all of the tools all the technology is just bad waiting so it's never been easier to to really naval estimates conversation with the customer aren't another another big takeaway interrupted you i'm sorry but that's just jer yeah keeps you going the other big one is around a inbox and i talk about these a lot in the books and sons of how power changed and the different ways you can adapt it and i think big castaway that we try and make really clear i try to make clear in the book and we make clients is try and build some huge expensive ai chapel the contri and handle everything like if you try and go to fall today it just won't work very well but what you can do is take baby steps you know it's really easy to use the technology and messaging apps today to build the visualize the odds and you systems you can start to use machine learning just to look at one of the most frequent questions that come in and can you on to that really just take baby steps because even if you only mate twenty twenty five percent then but still a huge efficiency gain speeds up resolution feel customers saves your agents pasol and the kuzin the messaging will hear the ordination wearing happening when it works it's never upsetting the customer experience any gain you made even find essent is ways neck.

twenty twenty five percent
"twenty twenty five percent" Discussed on 790 WAEB

790 WAEB

02:30 min | 3 years ago

"twenty twenty five percent" Discussed on 790 WAEB

"A wonderful shredding service they bring a gigantic shredder rate to the office it's cool it's on the back of a tray it's a you've seen the the the tree trimming services they have those big chippers on the that's what it looks like it's just huge and it's so much fun i get on being childish but so so if you've got big chunks even if it's just a big box annoying after go one page at a time and worry about staples and all that kind of stuff just put in the box bring it to our are more than money world headquarters in the holy lands between bethlehem and nazareth and and we'll make sure it gets gets shredded for lots of folks these days are using scanners lots of folks using scanners even five years ago i i had very very few clients very very few clients who would use scanners now i have i'll bet twenty twenty five percent of our clients use scanners so stuff that they do want to save but the gist big pile of paper they scan it they retain it on either a hard drive or cd rom or a thumb drive and that makes all the sense in the world now one other idea in terms of documentation that that it's it's really not necessarily paper or or a retention issues but it in my opinion it's an extremely important thing for you to consider i mentioned to you just moments ago that in my use a number of years ago i had a home burn and lost everything everything i don't and when the insurance adjuster arrived fortunately there was relatively enough debris to identify kinda what was there and the insurance company and had was was was very reputable very honorable they worked with me and we kind of recreated as best we could my possessions and made a reasonable claim and i i i was very lucky i get a very reasonable settlement because of course if you have fire and all your receipts been burned it's very hard to provide receipts it's very.

nazareth twenty twenty five percent five years
"twenty twenty five percent" Discussed on WDTK The Patriot

WDTK The Patriot

02:06 min | 3 years ago

"twenty twenty five percent" Discussed on WDTK The Patriot

"You and everything seemed to get better every generation or at least every year after year that is gone we now have the haves people like myself and everybody else it's an investor who are getting wealthier every singh go year and the have nots which are getting higher and higher expenses on them every single year as the cost of housing goes up radically there are staying broke paying for that cost is the cost of food in automobiles enclosed goes up they are staying broke because of those costs and because they are broke they can't go buy a house because they don't have the twenty percent down they have bad credit from borrowing to buy things they can't afford to own and their lives are destroyed and going down it's like a toilet each finally each going down it's not coming up it's going down right whereas the have their wealth is growing like a snowball as a snowball rolls down the mountain negates larger larger larger but as their resources go down the toilet that bowl gets lower and lower and lower that's what's happening to our society day and this article writers just three four or five page article was bitch were saying hey it saying renters are staying renters so if you're thinking wow did i miss the boat i didn't get into the rental business soon enough you are wrong the rental business is exploding because no one wants to own at ord they can't how do you go by house if you can't come up with twenty twenty five percent down how do you buy a house of your debt income ratio is too high because you can't make as much money as all the stuff it cost you to live how do you buy a house if you can't start you know if you credits bad how do you buy a house the answer is you don't you read on for the rest of your life and you stay in that subservient customer position for the rest of your life on.

twenty twenty five percent twenty percent