17 Burst results for "W. M."

"w. m." Discussed on WMAL 630AM

WMAL 630AM

05:38 min | 1 year ago

"w. m." Discussed on WMAL 630AM

"FM W. M. A Welcome back. I am winter trucks. They're listening to about federal benefits in my mind. I'm just kind of going through memory lane just for a moment during the break there. I was thinking about Dad. Nice. For those who have been listening to show you know, my dad passed a couple years ago and our most favorite activity by far. Well, Yeah, I'd say by far is either shooting hoops in the driver, but I think that most favorite activity if he was here to stay would be when we played Ping Pong in the garage, which we did. So it seemed like after every night. After dinner every night we would be playing Ping Pong, and that was kind of our thing. And so we play every night and and the thing about playing Ping pong in our garage. Growing up is that one player always have just a little bit Eman advantage because the way our ping pong tables set up in the garage was one end was about four or 5. Ft from the wall, and the other end was about 10 ft. From the wall. So the one player didn't have nearly as much flexibility of movement as the other one is just our garage wasn't built for professional ping pong is just the way the space that we have left. And so We was switched sides. But whoever was on the short side or had less wall space would typically lose. And so you know, we'd argue over and with with switch and everything, and it was It was kind of a joke amongst us when we're playing haha you won because you had the better side. And I wonder, you know, it seems like in life. Things are always skewed for us or against us, like Do you ever find yourself in that situation, Either Everything's working your way or it's not and I and I wonder financially if we haven't lost sight of how to gain advantage. So there was a time in the mid eighties in the maybe the early nineties, mid nineties. It's hard for me to remember exactly, but there was a time where is very expensive to invest. Like it was just expensive, A matter fact. If we go back even further than that, before, for one case in TSP were really a thing. Most people didn't invest in stocks and they definitely didn't invest in mutual fund because they don't want to pay the commissions. And so then we went through this era in the investment world where you could gain access to the market through 41 K tsp through brokers and advisors, But it was pretty expensive to get access. But it was worth pain because it was hard. To get access to invest to diversified investments, especially with no Internet, But that's changed. It's changed and the world has changed many times over and all different kinds of ways and as it relates to investments, investments have become very inexpensive. And they become so in expensive. I mean, the the to invest in the TSP is free, effectively free. There is a small administrative charge, but most people think of there's no expensive, very, very low expense. And I think that we've missed along the way how to really gain advantage. All we now know is that once upon a time, it was expensive, and now it's free. But we didn't learn anything along the way. And so we've missed how to get Advantage. How do we skew how to be on the favorable side of the ping pong tables? It relates to how to invest our money. We just missed it all together. While we're high fiving everybody about how much we're not spending to be invested. We may not be investing in the most favorable way for us and not even know it. How about that? And I want you to think about something just for a moment. Think about what it means to be invested in a market index. Think about what it means to be in this defund or the S and P 500. That's what this he fund is. If your federal employees most of us are familiar with the S and P 500, that is a market index. That index is not made up of good companies. Or bad cos it's just made up of 500. Large companies in the U. S. It's not meant to be the 500. Best for investment or worse, that just is And when the market goes up, the S and P 500 goes up. When it goes down, it goes down a matter fact. Most people measure the market based on the S and P 500. So how can we gain advantage if we just get the same? What if you could skew? What if you could set it up so that unlike the market when the market goes up, 10% you go uptown. But when it goes down, you go down 10. What if you could set it up so that you would get more reward per unit of risk? Taken what if if the market went up? The account would go up but going down, it wouldn't go down as much. That's what I'm talking about. It's the danger of falling for the trappings of on ly pain. The least amount for something. So instead skew things in your favor. Look for investments that have a higher reward. Then the unit risk taken unlike the market. Do yourself a favor. Take a look at that. TSP. Take a look at your allocations. Get an investment portfolio review. Give my team a call 3018500683 that is 3018500683. We will look over. What we want to look for is Put you in the most advantageous position, especially with the uncertainty that we're dealing with now. Investment portfolio REVIEW 30180063. Or course you can visit winter trucks dot com Coming up next, the biggest risk you'll face in retirement state..

W. M.
"w. m." Discussed on News Talk 1130 WISN

News Talk 1130 WISN

13:24 min | 2 years ago

"w. m." Discussed on News Talk 1130 WISN

"I think a support for so many of us in this community you know in ways that maybe he doesn't even understand you know that I've had him on my show here I need to bring it back but besides the stuff that he's done on behalf of us and for you W. M. is a great musician away the I who kind of you know he's the guitarist plays a song seasonings and so forth it's just been you know phenomenal to have that kind of individual sort of hold holding up the four force if you feel so absolutely because many of us are very fortunate to have been part of part of our lives in with and specially the times we were at the university certainly okay so so so you graduate from U. WM after your work at the corrugated cardboard company as our friend here is on yeah yes great mother great leader so moving forward you got into what was sort of like your first professional well yes I should yeah so we really I after I left the university I. A. I wasn't sure what I was going to do with a degree in sociology I I knew I wanted to continue some activism I wanted to be involved in the community wants to do some work with you know you know most likely with a nonprofit organization so ended up running across this group actually on campus call public allies Milwaukee but when you were involved with that if you had I were had a little more of a stronger connection at the time because I think you also served on the board that I was under the time moves they can call council for health and the plan calls for health service incorrectly Jim marks yep there you go yes yes that's right yeah so I I I was introduced to public allies and basically it's a it's a ten month apprenticeship program so what they do is funded through americorps and the place at a local nonprofit for ten months and you gain experience in the hopes that once you're done with the program that you could make some good connections and get a a have a permanent job so my resident organization for couple years unite full circle yes you're absolutely right so because I did that for the year and then I laughed I wouldn't work for the nonprofit but then five or six years later they were looking for an executive director for that specific agency so I applied and became the director like almost two years A. L. much full circle and movement and I was very passionate about the organization because it really builds up in there all that real mission concept was building leadership and building leadership around not just as an interval individual person but also being able to be engaged in active within your community based on your passion so that was a great fit for you it was it worked out perfect for me because I was like wow this is right up my alley so once I was done with public allies I this opening became available to become a director of the slough Latina Health Organization on the south side of Milwaukee I didn't do that for too long because I then I got pulled in which is a little again full circle when I was in public allies the first time I met my apprenticeship was at the greater Milwaukee foundation so I did that for ten months so I gained that experience and knowledge with you know philanthropy and giving back then come two thousand seven an opening became available at the greater Milwaukee foundation I applied for that job and end up staying there for about eight years so right there at the foundation yeah close to eight years as a donor services associate and what works closely with dollars and getting them involved in philanthropy and giving then down after that I I get called by the city of city Milwaukee to do what I'm currently doing now okay I'll stop you there Rafael we're gonna take a quick break and we'll bring you back first a break this is the Vellore Latino program coming to you via news talk eleven thirty WISN now more of a lower Latino with Perfecto Rivera on newstalk eleven thirty WISN welcome back to Sunday morning to the volunteer program my imperfecta Rivera your host my guest and friend with me today is Mr Rafael Acevedo junior Rafael thank you welcome back thank you this is what rough I would you share with us a bit of your background we would just get into what you're doing now yeah you're with the city of Milwaukee grants compliance manager and you've been there now five years just about yes so the so share with us how all this is transpired and what you're doing there yeah this is my my first experience working in city government my my younger brother is a marquee police officer and he has been for a little over eleven years now while in town he I never pictured myself working for government but I had this opportunity to do kind of seminal work that I did at the greater Milwaukee foundation on great with the skills you Brocks was what they were looking for yeah I mean if you though this is grant compliance you know the reason my responsibilities that that I oversee within the V. V. the city is really around housing and homelessness we get a lot of federal funds to support homeless shelters and and looking at how do we how do we deal with the issues around homelessness here in our city I mean we see en route you know you've probably seen it yourself to the optics of encampments right you have sure especially under the bridge near was at the the or five more than six yes yes so last year we had roughly one hundred individuals between you know ten and first in Clyde born just kind of spread out but yeah so part of my role is really to oversee federal and state funds I have a team that I work with and this is really the making sure that we're spending and utilizing our our our federal funds efficiently and in the right way as far as you know having a the impact in the work they were doing so that's what my journey my primary role sure well you know I S. as I've traveled around the city in particular last summer the the homelessness and can't meant there is the street where you mentioned that under the bridge near of the of the train station that will there was pretty bad I see no I mean the the optics of that is you drove around that was like what is going on here yeah yeah there was a lot of work on we have some wonderful dedicated it's outreach workers homeless outreach workers within a variety of different agencies around the city that have that did a lot of work to get these folks into housing or somewhere that is not necessarily staying outside and that's that was something that we it was a lot of work but we like we have some great folks that are working on the grounds front the front lines to shoot at a work on this specific issue we that must be a pretty tough problem to deal with because I'm guessing that there's a lot of those people that homelessness that you may be able to help but they don't want your help yeah and that's one thing that we know we you know we struggle with two is that they we had I just got a call yesterday from one of our outreach workers who he was working with an individual who is right off the freeway his peers but he's been outside for almost eight years while and didn't want to go in no where shelter housing just didn't want to go anywhere and I'm surprised someone like that is still in Wisconsin I heard you in Florida or California or Texas or whatever I mean luckily in Milwaukee our numbers aren't as the numbers we see N. places like the warmer cities like Florida California Los Angeles we have thousands of people who are staying outside now here in Milwaukee just give you a rough estimate there's you know at any given night there's probably a hundred hundred fifty folks were sitting outside which is you know nothing compared to what I've seen it I've seen that my I have a daughter I think I'd mentioned you in outside of Sacramento yes and when we've driven around and there's like all my gosh I mean you're sick you're looking drive down streets in one block yeah thousands yes literally you know yeah R. sleeping on the sidewalk on the street you know because I tense up cardboard boxes whatever that looks like it's pretty scary it is it is scary and it is really you know an issue that it's it's it's plague in the entire country is over close to half a million individuals who are experiencing homelessness at some point in in our entire country selling again in Milwaukee you know me to be size folks were staying outside we also have shelters and animal shelters for families youth and individuals we probably have about eight hundred altogether within our shelter system no you you mentioned a youth I I didn't have it in my travels I've not seen many young people to you know in that whole situation yeah but you're saying that there are more yeah absolutely I mean they're they're they're definitely out there I think there is it's a different population we say youth we're typically talking between seventeen and ten and twenty five or more we have some who are younger but the we have some great organizations like pathfinders in Walker's point our youth and family centers that specifically deal with that specific population and provide them services and also provide them housing so they're looking working very closely with them to get them in the bin more situated a different population we're talking about younger folks but they're having the same you know the same issues like anyone else would potentially have how are you shared with me some of the work that your office is doing in that working to reduce the issue with homelessness and from some of the information that I've read that you shared with me that has dropped considerably in this last year yeah I would I would say in the last five years we've been able as an entire system and again this is a collaborative efforts such as the city at system as walkie county housing divisions on its multiple different agencies that specifically work on this on a daily basis we have a lot of partners with lot of partners involved with this they they really worked really hard but we've been able to decrease our number of homelessness over the past five years by in the lower forty percent and that's really and do do part of really getting folks you know from the streets and putting them into housing immediately and this is a model that we've been using him occupied for the past four years now it's called housing first so the housing first model is really taking someone from this from the streets or a shelter getting them into housing with no preconditions so if there's any mental health issues there's an A. order issues let's get you stable into housing and then let's work with you through wraparound services to get them a bit more stable within their their the confines in their own home that includes you know the need in private the help was freed up line for social security I mean this numerous times not just putting them in a place and then just leaving them yes you're correct we're not well we're just we're we're putting them in place and also making sure they have that support the system you need to succeed and stay there over phylum cures with this new with this covert nineteen now that's got to be a real you know headache and you know sort of a lot more hands on right now I'm guessing it has been we have we've been working very closely to work out with our our shelters we have we have men and women in shelters on a daily basis and our goal was to be able to provide some some space within those shelters because is to give an example one of our biggest shelters your mortgage call the rescue mission sure and and any given night that can be up to two hundred fifty individuals and their wealth so we knew we didn't want them to have you know that many folks in there so our our goal was to alleviate some of that pressure and get folks out of there and move them into hotels so what we've been doing for the past month is moving folks either from the streets where eleven more vulnerable and from the shelters into hotels we have three hotels were working without currently and that helps you know with them but those shelters specifically to be able to provide that.

W. M.
"w. m." Discussed on WMAL 630AM

WMAL 630AM

01:50 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"Today there was one individual a lot of individual call us and say you know I I I have enough income and specially our flagship station is the great W. M. A. all right out of Washington DC area there's a lot of military lot of government workers and maybe they have their double dipping the couple different pensions or what have you but there's one individual call this and he said you know I've got this money the three in a thousand dollars I really just want to leave her legacy you know what and what would be a good plan for me but I also want to be able to have it in case of an emergency I don't necessarily need another income but I I I want to have in case of an emergency so I said well why don't we look at the agility account for that and so he's sixty years old three hundred thousand dollars and I'm just kind of applying is you know what how this account works on average over the past ten years and and I showed him kind of the worst case scenario in the best case scenario but this is just the average that I'm showing you here three hundred thousand dollars I fast forward ten years and it's five hundred seventy nine thousand that's almost that's almost double in terms of the pure accumulation value in the account but from a death benefit standpoint if he were to pass away it's eight hundred and forty eight thousand dollars that he could gotten for his family now fast forward to age eighty four what do those numbers look like if he wanted just passed out of that account got three in a thousand dollars has has turned into about one point five million that's quintupled that's grown five fold and then in terms of benefit base if he were to pass away this benefit base would go on to his beneficiaries it's about two point four million and that's just the age eighty four you can get your own illustration based on these numbers and and what you know the averages have banned by giving us a call or texting us at eight six six five four four seventy seven fifty five to get your free raft strategy.

W. M.
"w. m." Discussed on 1170 The Answer

1170 The Answer

01:44 min | 2 years ago

"w. m." Discussed on 1170 The Answer

"Today there was one individual a lot of individuals call us and say you know I I have enough income and specially our flagship station is the great W. M. A. all right out of Washington DC area there's a lot of military lot of government workers and maybe they have their double dipping of the couple different pensions or what have you but there's one individual called us and he said you know I've got this money this three thousand dollars I really just want to leave it for legacy you know what and what would be a good plan for me but I also want to be able to have it in case of an emergency I don't necessarily need another income but I I I want to have in case of an emergency so I said well why don't we look at the agility account for that and so he's sixty years old three hundred thousand dollars and I'm just kind of applying is you know what how this account works on average over the past ten years and and I showed them kind of the worst case scenario in the best case scenario but this is just the average that I'm showing you here three hundred thousand dollars I fast forward ten years and it's five hundred seventy nine thousand that's almost that's almost double in terms of the pure accumulation value in the account but from a death benefit standpoint if he were to pass away it's eight hundred forty eight thousand dollars that he could get for his family now fast forward to age eighty four what do those numbers look like if he wanted to just cash out of that account got three in a thousand dollars has has turned into about one point five million that's quintupled that's grown five fold and then in terms of benefit base if he were to pass away this benefit base would go on to his beneficiaries it's about two point four million and that's just the H. eighty four you can get your own illustration based on these numbers and and what you know the averages have banned by giving us a call or texting us at eight six six five four four seventy seven fifty five to get.

W. M.
"w. m." Discussed on WMAL 630AM

WMAL 630AM

09:15 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"Away since corner you'll find this accident ahead of you and yes you can get by now from garage door repair dot com the W. M. L. stormwatch seven forecast these guys this morning will give way to a few afternoon clouds will be dry on this Thursday it's pretty cold out there right now but high temperatures today right around fifty nine degrees clear and cold tonight we're down into the forties and then tomorrow for your Friday increasing clouds were dry and greasy once again with a high of sixty one I maybe see seven meteorologist Eileen Whalen in the stormwatch seven weather center right now it is thirty eight in Stafford thirty nine in Waldorf forty four at Reagan national I'm John Matthews on one oh five point nine FM Washington's mall WMAL Washington morning good morning it's Thursday morning that since last Friday it is five thirty seven mornings on the mall joining us at six thirty five it is a trial Thomas we'll talk to cal about comments about the economy from Rush Limbaugh and killing capitalism are weak at seven thirty five Charles he was making money with Charles Payne the economic data and with the crown of virus pandemic eight oh five Jack will seize the chair of the Republican Party of Virginia and the strange timing of governor Northam stay at home order and the June primaries and at eight thirty five Bernie Kerik the former New York City police commissioner and the the wisdom in moving inmates from prison because of the virus on merry Walters his colonies of the morning to a bunch of the authoritarian regimes around the world are of course not immune to the impacts of coronavirus infected came from China the the signature authoritarian regime but Ron's been getting hit really hard as well and one of the commonalities between all these places is how much we can't trust the numbers coming out of those countries we'll talk more about China later this morning but on a run you know they're a quote official death toll according to the BBC has now reached three thousand would not be surprised if it's meaningfully higher than that the deficit they faced have and the illnesses that they face have hit their leadership part as well as officials in Iran have been succumbing to and coming down with coronavirus said they've got a lot going on with that that's in addition to the fact that they have no idea how tough sanctions on them from the United States that have been ongoing the president of being very tough on Iran saying he is a very simple ask don't pursue a nuclear weapons program and so long as you commit to that we can make a deal he's basically saying look I'm a phone call away you want to make a deal let's make a deal we can do that but a run suffering a bunch of ways and while it's been suffering it's been acting out it's been lashing out at the United States and attacking us and our men and women in uniform through the use of its proxy forces specifically in Iraq and yesterday we got an indication yet again the Ron is planning more of this more death and destruction for the United States which will mean an overwhelming response back from the U. S. A. yet again if it occurs how do I know that because the president tweeted about it he said yesterday around one o'clock in the afternoon he tweeted quote upon information and belief a Ron or its proxies are planning a sneak attack on US troops and or assets in Iraq if this happens around will pay a very heavy price indeed so the president merry being explicit even in the midst of everything else that's going on we have intelligence coming as suggesting Iran wants to hurt us and under the plan the president saying look I'm threatening you now if you do that we're coming after you yeah that's a that's what it sounds like it's it's it's interesting though I guess they think that they they look at this con they look at American they feel like we're you know we're dealing with this pandemic we've got an election coming up you know America is showing a weakness at this point because they have to know that there's no way they can win some kind of you even a small war with us they have to know that right they have to know that if they attack the response is going to be ten times what they did yes and it has been in fact the president indicated yesterday he was talking about how in March there was an attack by kid tape Hezbollah which is an Iraqi militia and they are obviously backed by Iran and is that we hit them in March really hard after they did this in the president's saying we have five artillery sites of theirs immediately after they attacked us and we killed a lot of their guys he wouldn't get into the numbers specifically said we killed a lot of bad guys when they did that and we're prepared to do that again and by the way our posture has not always been retaliatory our posture has occasionally been preemptive I mean remember Qassem Soleimani the his that his death came when we had information that he was about to launch an imminent attack on the United States so the president's Intel is leading him to believe yesterday that there is that they're planning another attack if that moves into the imminent phase the Iranians know what were the white what we're capable of doing and what we've done in the past and stole money was killed in preparation for an imminent attack on the United States yes Sir it's so limit let me ask you why why do you think that they're poking the bear now what why do you why do you think they're even poking the bear what's what's the point is because they see this global pandemic and everybody's they're not releasing any numbers they're not open about it at all so there is D. they're doing this to maybe rows there people as as a rallying point for the people I have to assume that there's corona virus in their country you have to assume that they're dealing with it as well well they're I mean they're they're releasing some numbers but right they're not real numbers we don't believe them I mean as early as I do right so so I guess it was my questions I I'm just confused by the whole thing like why now that's my thing like a whenever he sees things like this I always have to ask okay what's going on why now yeah I know it's it's a great question I think and I'd if you my hunch is the one that you vocalized which is the idea of giving their people something else to think about you know I mean like visa regimes live and die on die stra stranglehold society maintaining a firm grip on the people that have to serve them and additionally conveying to them it's a great strength or conveying to them that there is something worse than their own regime right that there's something else out there look what China is doing the great Satan you precisely what what China's doing China is spreading propaganda about the idea of the coronavirus itself came from the United States of the U. S. army put corona virus in China the president addressed that yesterday that was very interesting because he suggested that in his I. E. I was kind of inferring based on the way he was talking about it you know he says he's been talking to president G. a lot and it is in the relationship but he indicated yesterday that just wasn't high level people who are making that claim this was mid level people that wasn't a high level I don't believe the high level people know about this president trump was sent now forces giving them some difference and he's obviously angling when he deals with China here but I think the point he was trying to make ultimately is that he didn't like what was coming out of China he's addressed it with G. and G. tried to pass it off as some mid level you know communist bureaucrat who is has a job right out of the United States but the point of that the point of the communist regime saying that in the same way the point of the Ayatollah in Iran and and the way that they're controlling everything are saying what they're up to is designed to give the people an evil to point to that's not their own government and I I I tend to believe that that's what's going on here and it is a fact there's desperate what one other quick thought could they be going down the road of not only China but North Korea look what look what happened with North Korea they're shooting rockets said and it had of Guam they're shooting rockets at Japan he acted up so much little rocket man but he got the president's attention what happened he got talks with the president he was received was he was seen as he got some sort of respect and maybe they want to also as they see these other regimes coming out of the dark that maybe they want to do that too right but all of the things you're talking about tonal in nature so yes the president Kim Jong moon did get conversations with president trump but did he get sanctions relief no yeah did he get did you get the the from the of the American people taken off of his throat now if that he continues to be pressure on him for the same reason which is stop with the Knicks if you stop it and then we would then be reliant on the pressure and Ron is having the same experience right now it was just a thought five forty five.

W. M.
"w. m." Discussed on WMAL 630AM

WMAL 630AM

06:37 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"And you will give it life here on W. M. A. L. no reason to turn on cable news no no no no no no if that keeps it all up is this gonna bring you down there's no reason to be brought down any more so than we already are brought down by this side this thing that's been inflicted upon us through no fault of our own that's why listen that the government does need to do something I'm not against the government doing something odd that this is totally different than the government of bailing out banks because of you know their own bad decisions that they made in giving mortgages now I recognize they were sort of forced to give mortgages to people who what normally would have qualified that they did need to leverage all of those and create all those do shady investment models and modules that they did that brought us to the brink of disaster in the two thousand eight financial downturn I don't want to relitigate that but it but you know I understand tarp we were told was necessary but there was a whole lot in there that wasn't necessary and by the way aside from tarp which actually ended up getting paid back this stimulus package that Obama than past another five months later was a complete and total give away to the unions and that's exactly what Democrats are trying to achieve with this bill right now by holding it up it was supposed to have been voted on first thing in the morning or late last night and Nancy Pelosi absolutely through the entire thing in the world dumpster fire and it's pretty outrageous that Republicans are just sitting there incident cut tutting and saying well this is just terrible that they've done this they do this all the time how are they not prepared for this and ready for this it's Lucy with the football and Charlie Brown all over again and you look at the things that they don't know we're not going to pass this until we get better emission standards for airlines I am not and less we get better tax credits for solar and wind power how how how would be their good people sitting back and taking this do you want us to social distance no we're gonna start marching on the national mall if you keep this up we were chugging along fine with our economy we will work our **** off but we were happy to work we were happy to have the overtime we were happy to make money and bust our tails in this economy everything was fine we did nothing here and frankly this country did nothing this is a disaster inflicted upon us by the communist regime in Beijing the facts are there and they exacerbated we spoke with Gordon Chang I remember I did my first segment on corona virus I think February seventh I think it was after the president had cut down travel to China and after we were hearing stories emerging out of Wuhan province about what the Chinese government had done with the the communist Chinese government had done to people in that province into the doctors who discovered this thing I remember talking to Gordon Chang said that they're not sharing information there's no transparency they're not being truthful with the the people of the world about this thing I mean we knew early on exactly what the culprit was those are back in the good old days when the Washington postal called it a Chinese virus now we're all racist if we do that but that doesn't matter we're used to them calling us racist that's just what they do we'll continue to tell the truth even if they say that it's despicable sorry you don't like the truth but this has been inflicted upon us we have done nothing and by the way it's been inflicted upon us I'm sorry yes it did come from the Chinese government everything but as the president said you know the the cure is what's hurting people right now what's hurting the vast majority of people in this country right now is not the health ramifications of this virus but what our government has been forced to do to try to keep this virus from spreading the American people do not want to hand out we want to get back to work but since we're not able to get back to work if the government is going to give some kind of relief to people and to businesses let the law let the bill that they passed B. that and only that and I frankly I as I see senator after senator take the floor and pontificate and speechifying and and throw whatever kind of red meat they can out there for their base in their constituency I gotta tell you when I see Republicans trying to hold the line senator Tom cotton is on the floor right now literally pointing fingers shouting at Democrats on the other side of the floor good I am telling you the American people are not going to blame Republicans for telling Nancy Pelosi and Chuck Schumer hell no hell no you're not going to slip the new green deal into a relief package for people who are just trying to pay their bills while we the government had keeping them from working White Lear wrongly and I do think ten fifteen days into this thing it is absolutely appropriate for all of us on a local level on a on a family by family level and yes at the national level to reassess where we are you know how has this virus spread have we been able to stop it can some people get back to work maybe we protect those who are most vulnerable and we let some other people go about it and and and function in our society we do this all the time we mitigate risk we rationalize dangers but we don't cower in fear and hide under the blankets and are bad every single day do we have to do some things until it passes over sure I get that but we need to hear from our elected leaders exactly what the end game here is and the last thing Republicans should be doing right now is rolling over and allowing Nancy Pelosi in Alexandria because you've Cortez to inject trillions of dollars of nonsense into this economy because then we won't come roaring back as I know we can.

W. M. A. L.
"w. m." Discussed on WMAL 630AM

WMAL 630AM

02:53 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"I'm the only apprentice five oh two eight W. M. A. L. good morning everyone I'm John Matthews the number of confirmed cases of the novel coronavirus continues to grow in the DC region now it's two hundred three and counting forty one more than this time yesterday led now by Maryland with eighty six cases Virginia with seventy seven in DC with forty in another milestone Maryland announced its first death a man in his sixties from prince George's county who had an underlying medical condition that brings the total number of deaths in the region to three the new cases come from everywhere seemingly they include two members of Congress an elementary school student in a charter school in southeast DC any U. S. Marshall works at DC Superior Court officials now working to check all of their contact in quarantine is necessary a second DC firefighter has now tested positive putting an immediate strain on the city's fire department a total of seventy three city firefighters paramedics and emergency medical technicians have self quarantine after exposure or potential exposure to the virus the topic of schools re opening could soon turn from a question of when to one of it if Maryland governor Larry Hogan was asked in an interview on fox news we don't know what it's gonna look like in a couple weeks we don't know what it's gonna look like a month from now or two months from now I know that there's been some discussion about whether or not schools will be able to open before the end of the year but we haven't quite yet made that decision the Maryland General Assembly Jr and early after passing an emergency measure making millions of dollars available to the governor to respond the virus they also approved a measure to prevent price gouging for critical items like food water and medical supplies the bill extends unemployment benefits to people who are ill longer than their sick leave allows or for people who are caring for a family member the spread of the virus may have may have most of us anxious to get away from it all but for some that's not an option Virginia is taking a hard look at protecting its jail and prison populations we have suspended visitations a law lawyers now have non contact visits and we have suspended transfers of inmates from local jails public safety secretary Brian Moran says there are currently no known cases of coping nineteen in Virginia jails checking your money the Dow futures are down forty three points at this hour the nasdaq futures up fifty five in sport thank goodness for NFL free agency or there'd be nothing to talk about the Redskins re sign linebacker Nate orchard to a one year deal along with former lions and Seahawks running back JD McKissic and former safeties as Steelers safety Sean Davis W. I. L. news time five oh four up next traffic and weather Dr McMillan's high for your patience share their thoughts on why they choose McMillan's addition dentistry over other practices the two words that came to me who are dental piece that.

W. M. A.
"w. m." Discussed on WMAL 630AM

WMAL 630AM

03:04 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"Chances for you we also any key word W. M. A. L. news more on more real leave vice president Mike pence today visiting with the leading maker of mass being used to stem the spread of the corona virus at three AM headquarters in Minnesota he's asking Americans to refrain from buying masks unless they're sick one of the ways the American people can help us making sure the medical equipment is available broadly but not not buying mass not taking them off the market so that they're available for people that may become ill and it may be beneficial for someone who is ill with the flu or rotavirus or any other respiratory ailments meanwhile back here in DC by a vote of ninety six to one the Senate today passing a major funding bill to confront the corona virus senator Richard Shelby the chairman of the Senate Appropriations Committee says there was no time to waste we face a serious global crisis with the spread of the coronavirus we all know that the American people I believe expect us here in the U. S. Senate this set aside politics and set into motion a swift and the sweep in response to this danger and that's exactly what the senators did following by just one day the house passage of the eight point three billion dollar package the fund's treatment prevention and protective equipment associated with confronting and arresting the virus correspondent Linda canyon well there's no need to panic about the corona virus according to Montgomery County school officials but they still need to prepare there are no hard and fast criteria for when school should close according to Montgomery County health and Human Services director Dr Travis gales he says they look at many factors including are we saying the presence or increase of actual cases are we seeing an increase in the number of suspicious cases are people under investigation deputy superintendent mony from ignite says they plan to continue instruction if schools close how we continue to look at our platforms that we have available that students are used to utilize and how we can utilize those part of Kurdistan W. M. Ellen W. I. L. dot com local governments in Virginia will be allowed to decide the fate of Confederate monuments the state Senate passed the measure already approved in the house but only after one more emotional debate Republican Jennifer Kagan's herself a military veteran I worry this spell has the opposite effect we're trying to achieve and as divisive not healing and sends the wrong message to our veterans and veterans families but Democrats like Jennifer McClellan say the monuments were not erected to honor veterans it was the beginning of a narrative that was used by some to put blacks back in their place the house and Senate bill those must be merged before the session ends Saturday John Matthews on WMAL and WMLW straight ahead of the close the Dow is down nine hundred sixty nine points the S. and P. five hundred down one oh six the nasdaq down to seventy nine WMAL traffic and weather next your Amazon echo here March within a week nine six it is a magnificent thing one time set up say Alexa enable W. N. A. L..

W. M
"w. m." Discussed on WMAL 630AM

WMAL 630AM

03:53 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"W. M. eight news WMAL news at six good morning everyone I'm John Matthews Maryland lawmakers are going to have to find some other way to pay for their ambitious overhaul of public education because the state house panel has killed a proposal to fund it through an expansion of the sales tax proponents had wanted to tax a wide variety of services from haircuts to hear too tax preparation and landscaping while lowering the sales tax rate from six to five percent but the idea drew howls from the state's business community and governor Larry Hogan and it was killed on a unanimous vote last night some ten thousand local Safeway workers are set today to take a strike vote against the grocery chain strike is our last word strike you or currently the acting safely customers to please respect our picket lines and shop elsewhere local union spokesman Jonathan Williams says six months of negotiations have gone nowhere with Safeway the giant food recently agreed to similar terms with its employees no word yet on when a strike would begin if workers authorized it a national group that advocates the decriminalization of prostitution is pulling out of its efforts in DC after local sex work organizers told the national organizer's divide out the local group says the national group is predominantly white and cisgender while Latino black and trans gendered women bear the brunt of prostitution laws in DC the national group it offered to donate a hundred thousand dollars to put the issue on the DC ballot but local organizers dismissed the offer as white men tried to force their way in with money the Senate is set to vote today on a massive bill to fund the coronavirus battle a bill opposed by one Maryland congressman Maryland congressman Andy Harris called the approval of the eight point three billion dollar bill to fund the coronavirus flight quote disappointing we know the president's request for two point five billion last week was probably what we should have done and then see what happens and then you know make a plan once we know what's going to happen in this country but you know they say you'll never let never let a crisis go to waste and I'm afraid that's what Congress that's the attitude we have here is appearing on the Larry o'connor showed the bill is expected to pass the Senate and then head to president trump Marial beef on WMAL one W. mail dot com establishment Democrat politicians continue to embrace Joe Biden is their choice to take on president trump in November prince George's county executive Angela also Brooks gave Biden her endorsement today next door in DC mayor Muriel Bowser who had been a Mike Bloomberg surrogate stopped short of giving Biden endorsement but said in a tweet she was glad to see Bloomberg indoors the former vice president cheered him quote to keep up the Joe Menem a bill moving through the Maryland Senate would put suicide prevention information on existing electronic highway signs Maryland senator Jeff Wald striker wants Maryland state highway to post this sign similar to amber and silver alerts in high risk suicide zone this bill would simply allowed the S. HA to use their existing electronic signs to indicate the national hotline or or local hotline number for suicide prevention amber hall is the first responder in and around the county my family and I support this bill because a number of twenty eighteen my mother dina Lloyd committed suicide by jumping from the bay bridge park ridge WMAL in W. one A. L. dot com checking your money the Dow opened to twenty seven thousand ninety one the nasdaq at ninety eighteen in sports the camps lose to the hottest team in hockey the flyers five get to Philly wins its seventh straight the wizards fall to the trailblazers one twenty five to one for college hoops Meryl Virginia nips Miami Virginia Tech over Clemson and losses for all three George's town of Mason in Washington WMAL news time six oh four up next traffic and weather is mornings on the mall continues on one oh five point nine FM W. M. A. L. W. M..

W. M.
"w. m." Discussed on 90.3 KAZU

90.3 KAZU

04:04 min | 2 years ago

"w. m." Discussed on 90.3 KAZU

"Region yellow thanks for being here pleasure to be here well you've been reporting out you're at W. M. U. which is in the district of Columbia Virginia is just a short hop over the Potomac River northern Virginia and on down to the border with North Carolina what did your reporting show last night Joe Biden surprised him in a lot of places was Virginia a big surprise well I think in the weeks before the primary it really wasn't clear where Virginia was going to land and as you mentioned were right outside the beltway and that means that a lot of people are watching Virginia it was an easy stop for candidates to come through and so we saw all the front runners making a play for Virginia Michael Bloomberg Bernie Sanders they're both in northern Virginia just on Saturday but when you looked at the results it looks like South Carolina just had a tremendous influence and even the people from South Carolina Jim Clyburn was canned was canvassing for Biden in Dumfries that's a mostly African American precincts over or area over into northern Virginia and I went to the polling place yesterday and it there was just wall to wall support for Biden one person after another one fifty two year old government worker summed up he said look if we African Americans are anything were pragmatic we're picking someone who can get results and I think that showed that although the state has trended blue we did see Democrats flipped the General Assembly foot congressional seats pick a democratic governor all since trump was elected there's a very moderate column that's holding that together I think the African American vote is symbolic of that Virginia did you see a pattern in bridge Ms Danielle you're reporting on Virginia Danielle did you see a pattern in Virginia that we've seen in so many other places a lot of late breaking voters who went for Biden was was that democratic indecision a a huge factor in Virginia I think it was I mean it wasn't only the voters Virginia's also where a lot of wealthy government to former government employees deep pocketed lobbyists they live in Virginia they donate to candidates and I spoke to those donors ahead of the primary one man he I found a super pac and the super PAC endorsed Biden this man even flew out to Nevada to rally for Biden but he also cut a check to any club which are for the maximum for twenty eight hundred dollars are you saw heavy weights in the state waiting until the last minute to endorse a candidate congressman don Beyer endorsed Pete Briger judge even as Mr byres wife was fundraising for Biden so you could see that the establishment of Virginia was struggling to make up its mind and I think that the South Carolina win for Biden helped everybody who isn't in the moderate lane to feel okay we have a candidate we've picked someone much better all of our chips on that individual I got a second can I list yeah only in Virginia could you go out and interview voters and find somebody who founded their own super pac that's a very DC suburbs to be fair I didn't meet him at the pile I did track down these people actually heard it three that's a that's an excellent point it is not quite a cross section of America Daniella take just a second in contrast for people who don't know northern Virginia right outside of Washington DC with Virginia down in what they call tide water big military population huge naval plays bass and southern Virginia well I do cover mostly northern Virginia because that's where our listeners live but I would say around the northern Virginia area you've got a lot of immigrants coming in and I met quite a few people who were in the Muslims for Bernie camp I followed one twenty third or twenty something and she was firing for Bernie and her mosque and I think down in the southern part of the state you see a lot more African Americans in large concentrations that's where when Biden came to speak ahead of super Tuesday he chose southern Virginia he was down in North Africa speaking over there where as the other candidates focused on top and I think if there was any place where either Warren or Bloomberg could have had a serious impact it would have been in northern Virginia certainly in Arlington and Alexandria I met people who were supporting either one of those but ultimately the bulk of the state and once again when providing maybe maybe in the place where people have their own bespoke super pacs you my defense and people who are strong supporters.

W. M. U.
"w. m." Discussed on WMAL 630AM

WMAL 630AM

03:53 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"Thank you very you if you go forward with the local decision released the crack and released a whirlwind who talks like that given a six thirty W. M. A. R. how do you impeach a sitting U. S. senator is that is that in the books can we impeach the senator can we send your employment at what can we do we had a whistle blower is what we need let's get the whole thing going salmon Virginia you're next up here Samir on WMAL I what I'd like to know what law enforcement agency is gonna step up and have enough guts to say look I'm going to enforce the law this man has threatened to Supreme Court judges what the Burbage and he used it could be considered a potential bodily harm threats at the very least if he was in a court any reasonable honorable judge would have held him in contempt of court yeah even then he is he is committed a potential threat yeah Sam listen I can tell you this I know that if if if a regular American citizen not and by the way U. S. senators are regular American citizens they shouldn't enjoy any other protections Sam thank you for the call if anyone else did that there would be questions asked I'll tell you this if I said this on the air then there would be complaints about me maybe even under the service complaints about me doing this I need N. Manassas I like this the need to go ahead you're on to be a male right I'm just curious as to well I mean first off no decision has been rendered yet by any of the justices and second of all I don't see why any the women look liberal judges the parks at their RPG that's right issue a statement saying you know she always prided herself how she dresses Carly were best of friends even though politically legally they were on opposite ends so I don't see why she can't issue a statement saying you know this is not the time or the place to yell make these kind of statements and we will run our our decision you know absent any threats blah blah blah yeah some things from justice so to my your or from RB Jr for Elena Kagan that that would be really classy witness and ada and appropriate and appropriate you're absolutely right and you know thank you for the call by the way what why only these two justices why only Gorsuch and Cavanaugh are called out well you know why because trump appointed them it's all about presidential politics to which so despicable and I I I'm sorry I am so sick and tired of hearing from the hand ringers on the mainstream media and sadly some of them call themselves Republicans are concerned is that we all we really regret the degradation of the American political dialogue we've gotten so crass and so divisive in its it's all trump's fault give me a break do you see what's happening here this is trump's fault Linda in Leesburg go ahead Linda you're next up on WMAL yes I just want to make the point of that you've made and that the caller before your previous caller I'm first of all they are U. S. citizens just like the rest of us and they're entitled to the same rights that we are those those two justices were worth right and I don't know what other way he could possibly be threatening them other than bodily harm yeah in addition the way he was threatening them he was inciting a riot that's right you heard the crowd screaming it wasn't.

W. M
"w. m." Discussed on WMAL 630AM

WMAL 630AM

04:44 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"The campaign trail thank you Sir there you go thank you Sir how are you messing with the Democrats tomorrow you're gonna cross over and vote in Virginia this super Tuesday who would actually messed them up more the blade six thirty W. M. L. Allen and rested you gonna mess with the Democrats tomorrow Alan Hey Allen Europe yeah we have a debate this country and the only way to do it is to is to actually vote for Bernie we need to have a legitimate debate happened out yeah let no no no more that yeah part of me wants I yeah everybody wants to have a decision let's make a decision you've got your choices are capitals of the socialist let the American people the site are you worried that the American people will pick the Connie there is absolutely no possibility all right yeah it's there Allen does it does it give you pause that that the dominant thought process in twenty sixteen when asked does are you worried that Donald Trump will be president the dominant thought process in in Washington at that time was it and there's no possibility they were saying the exact same thing about trump okay with without question they didn't have the understanding of the message across everybody understands Bernie's message very well a good message across at that point all right resonated with the people that actually went out and voted for him the numbers to support Bertie as there aren't even a trivial compared to what the version numbers work for for bird problem and and the people I mean I with all due respect I'm not against pollsters but how can you get a legitimate call what you're what you're asking for hundred fifty eight people in a different state I don't you know with all due respect as big as big a four hundred fifty people a day and they're not about burning all right now and I I tend to agree with you I am challenging you just because that is an important consideration to make here I I tend to agree I want to agree and I do legitimately agree that the American people will not vote for the coming but I'm also terrified that they will Evey in Fredericksburg easy out thanks for calling me you gonna wanna mess with the Democrats tomorrow absolutely Larry I'm told now that I'm even going to take the day off just to take my daughter with boss I need the day off what he gonna do I'm gonna mess with the Democrats I needed a vote and then stick so so ours we're gonna go out west who do you think will mess with them the most I'm thinking Joe yeah only they're they're probably gonna nominate Bernie and they're going to try and steal it again from him and and I don't know I I was thinking I was thinking of writing and like Michael Obama on my ballot wait about Michael Obama hi Michelle about my E. V. thank you I appreciate it don't mess with her guns not even as I mean I'm in Michelle Obama's she got serious set of we already reached several other all right you know the you know the thing which Richard of Bristow Richard your text that you gonna mess with the Democrats tomorrow Richard you're on the via mail thanks for taking our call center will you don't mess with them perhaps the most Houston keeps getting older ones are thank you she fifteen percent almost normal right thank you everybody returns team the contestants do that with that if she got those kind of numbers in any significant way in Virginia that Richard would absolutely mess with them I you know would also mess with them writing in trump how cool would that be if Virginia Republicans one ends a vote in the in the primary and rode in Donald trump's okay how about Stephen Spotsylvania Steve you're gonna mess with the Democrats tomorrow yes and I cannot wait I would be gonna do I'm voting Biden at for several reasons there's no downside to voting for by because I think the Bernie is going to get the nomination anyway but if we can prevent him from winning on the first or second ballot when they go to conventions there's going to be a dumpster fire in Milwaukee yeah so so depriving Burnley of that first round.

Virginia W. M
"w. m." Discussed on WFAN Sports Radio_FM

WFAN Sports Radio_FM

02:59 min | 2 years ago

"w. m." Discussed on WFAN Sports Radio_FM

"Yeah W. M. van former NGO announced that they get you all excited I hope it does I don't really sell on it but something that we're very excited about as always that announcement is coming in about twelve minutes we have we've talked a lot of topics this morning just got a tweet from a man that said boomer science in hip hop aficionado and now environmentalist those are the two things that he's learned from you and then I'm now while I look over it did you in your your Google and ball bearings yes because I was told at that funeral I want to on Sunday that the ball bearing was was founded it's true Meg come on I've got to be a lot while you know according to everything that I can talk because I was looking for the bell port ball bearing thank you for the Billboard ball bearings because a guy but in the bill of football on back in seventeen ninety four supposedly founded the ball bearing and where are you alright where is he from where else he's a Welsh in there yeah that's really far away from bell port yeah that's what I said yeah so I mean it was still a voice one day I got a little bad information from somebody he was just very proud of bell port yeah I said you know they make spider crabs bell boy yeah it's that they do yes yeah I mean and and Alan Steiger many as a left Delp forty de did a lot of people are both manufactures a go down south of the tax breaks and everything's like hell now I'm here man just so you know you think I'm kidding about these wind turbines right so they bury these things thirty feet under the ground in lake mills ia Sioux falls South Dakota Casper Wyoming house tell you yesterday yeah and here's the problem the wind turbine blades will be there ultimately for ever said now rob Cappadonna he's the chief operating officer of the north American unit of Paris space be ola environment essay so basically we have you have a problem they do have a problem and they're made of fiberglass yeah yeah yeah yeah they should make canoes out of theirs most of most because our our Quincy ordered a tomb yeah we're all wondering whether we're gonna need canoes that's pretty bad it is this is horrific it doesn't make any sense that's that's the that doesn't make any sense and I didn't think you were kidding about the wind turbines or was it doesn't sound like a joke it out it goes on to tell you that the U. to prevent catastrophic climate change because everybody screaming about that caused by burning fossil fuels many governments corporations place use only clean energy by twenty fifty and this is what the remnants of that clean energy produce yeah I wonder Steve stat was ever hit in the head with a with maybe one.

NGO W. M. van
"w. m." Discussed on WMAL 630AM

WMAL 630AM

01:54 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"Five point nine FM W. M. A. L. things seem to be going pretty well for the Democrats so far this group sure my kids we hello again to relax a little bit listen to this nice twenty more sex nine you guys we put it down this at half time in the NFL Super Bowl is that it and I could not not only I could listen to.

W. M. A. NFL
"w. m." Discussed on WMAL 630AM

WMAL 630AM

01:47 min | 2 years ago

"w. m." Discussed on WMAL 630AM

"Five south leaving fifty kennel worth Avenue we found an accident in the right lane on your way in the northeast see see now from garage door repair dot com the W. M. A. all weather channel forecast clouds roll in this afternoon we'll have a high of sixty six cloudy overnight low fifty three every couple of circle K. coffee is ground in the mall so whether you're craving coffee now for now you'll get the freshest Cup in the world at circle K. every couple ground fresh starting the dollar at circle K. limited time only at participating locations restrictions may apply plans Mary coffee hills in these hard economic times you've got to do whatever you can to save money one of our biggest expenses can be our cars especially when unexpected repair bills it not anymore if you do own a car truck or SUV made from nineteen ninety nine or higher you could stop paying for car repairs that's right you might not have to pay a penny to have it repaired just dial star star two four four on your mobile phone now to see if you qualify you must have an automobile made from nineteen ninety nine or higher and all repairs for your engine transmission and much more can become a thing of the past dial star star two four four on your mobile phone today and get your car projected before your next repair bill hits that's right total protection for your car and no more repair bills just dial star star two four four on your mobile phone now to see if your car qualifies that star star two four four never pay for car repairs again just dial star star two four four on your mobile phone now dial star star two four four hi I'm single owner and you'll come to expectations are pretty low when it comes to contractors about someone comes up your house to give me a refund they walk around the house and they say imagine if you went.

W. M. Mary
"w. m." Discussed on WMAL 630AM

WMAL 630AM

02:36 min | 3 years ago

"w. m." Discussed on WMAL 630AM

"Your needs so tune into W. M. A. L. every Saturday at one PM or Sunday at three PM for the latest region information from network little funding here on W. M. A. L. one of five point nine FM black Canda perceiving here tonight fell of the night's eight seven seven three one three eight one one these red flag laws are so stupid and they're not going to do a damn thing to to stop a mass shooter quote unquote they might potentially cut back and somebody hurting themselves but here's my question there's a real question I have if somebody so dangerous but the state has to get involuntarily their guns what else are we letting them have this is a very nobody ever gonna ever answer me if they're so dangerous that we feel the need to come in and and and the police need to calm now and surround an armed person get their guns are we gonna let them have knives that's a basic question I really don't have a car I mean you know you can do a lot of damage to the car in fact your odds of being killed or injured by a car or war any way higher than a gun so we can let that that dangerous person have the ability to drive what if there are kids in the house do we let the kids stay or do we rip the babies out of their mother's arms do we take the kids away I mean if the guy so dangerous or the woman that we've now said we have to take your weapons take your guns their kids get to stay or not stay I'm confused about that what if it turns out the guy say a school bus driver do we let him drive the school bus we will let me we just took his guns more let him drive a big box with kids in it pressure cookers does he have a pressure cooker can you go buy a pressure cooker Chris you can use that what about fertilizer well I mean we have water you know we let his local hardware store know that the guy is dangerous so please don't sell him fertilizer what else are we going to do to make sure that this dangerous person doesn't hurt anybody is what makes me laugh about these dumb red flag losses that they focus on the object one object only that can be used by dangerous person and that's a god that's it and all the other things I guess are just fine this is Lindsey Graham Earl earlier in the week as our lives he was talking about what this would do and this is why I hope to god this is dead on arrival these red flag laws cut nine here's what we do this is not gonna be a federal law to be a federal grant program to get the federal grant you that due process there has to be an harm to oneself others before the police.

W. M. A.
"w. m." Discussed on WMAL 630AM

WMAL 630AM

04:38 min | 3 years ago

"w. m." Discussed on WMAL 630AM

"He's about federal benefits on one oh five point nine FM W. M. A. welcome back thinking during this afternoon into the email I have a busy weekend I'm in the middle of a busy weekend my in laws are visiting so all week I've just been kind of thinking that not good or bad I've just been thinking about how this we can is any different than most have gas and or is it going to probably want me to do a few things around the house and they are coming all the way from Indiana and what are we in the winter time except try and just kind of off and on throughout the week I was thinking about the visit not good about I have a good relationship with my in laws and and you know I just knew that the we can was any different than normal and somewhere along the line this week and maybe think this is a not a topic but somewhere along the line maybe think I'm crazy but I'd look at my in laws at least originally when I met them like most people see financial advisors Emma make the connection like I think my in laws in and I'm a guy and and and they were right mom and dad of a daughter into a lot of ways I think that parents of daughters are like in some ways protecting their daughters from guys in the first place so I'm sure that they saw me with some skepticism like who is this guy winter you know is he worthy of our daughter Cory and and then I can feel that in so maybe I look at my in laws with some skepticism like I wonder if I like them right at night in as after we got married I just kind of feel things out and just wonder how it's gonna go with the in laws and likely have a great relationship with my in laws but we went through that live reluctant period in I think in the same way as we talked to investment advisors in in life insurance agents and financial planners we're not really sure what to expect right like how many planners fall under this weird general title of financial adviser like I don't even know what that means because it could be a life insurance agent could be an annuity agent could be an investment adviser could be a financial planner and they're just all called financial advisors so how do you go about selecting a planner for retirement let's talk about it now I didn't pick my analytic Korean and she came with in laws but when you're going to pick your advisor for retirement can be very deliberate and so here's some criteria now you may hear if you go online if you Google it or if you're listening to the radio or you're watching something on television or reading the newspaper they may tell you to look for credential right there's this magical credential like C. F. P. that if the guy has it then your goal and I can tell you right now right now is honest I can be I have met horrific certified financial planners and I've met good ones I have seen almost every title that's available and I've seen good and bad and what I can tell you based on my unscientific life experience is there is no real correlation between designation an aptitude or the adviser to help you fulfill your retirement dreams I just don't see it so if they are certified and they fit all your criteria it's bonus it is just bonus but here's a criteria does your adviser know how to help you spend your money does your visor know how to help you spend your money in other words are they allergic to you taking withdrawals from your accounts if they are then they're gonna be terrible for your retirement so can they help you spend do they understand how federal benefits should be incorporated into retirement in how your spouse of a federal employee should be protected with regards to the T. S. P. and pension so do they know federal benefits number two in number three are they a fiduciary now it's interesting there are laws for fiduciary standard and then there are just a fiduciary standard in life like I will say it time and time again we are legal fiduciary is but we don't need the law to do what's right so it's simple right there's three criteria number one is the adviser plan of the you're working with two they get excited about helping you learn how to spend the assets that you have to if you're a federal employee do they understand their way around the federal benefits and how to use them inside of your planning and number three regardless of the law is that person genuinely interested in helping you and really looking out for you and that your number one you're the true C. E. L. and they're the CFL three criteria three criteria to help you spend it they know your federal benefits in a care about you number.

W. M. A.