36 Burst results for "costco"
Fresh "costco" from The Kevin Sheehan Show
"San Francisco and they got the ball down on the ten yard line. He can't lose big time in the special teams game like normally I don't like throwing special teams into any kind of. Washington wins if. But. You can't lose the game on a blocked field goal or blocked punt you have to be sound on teams this way 'cause I don I it's. It's so crazy. In the air is at some team in that team, it doesn't matter who the head coaches it's just every year at their special teams. And they block kicks and they blockbuster that's down ten nothing. That's what set up there there. I. Got Him into the game 'cause it was the neck they scored on one play after the blocked punt the. their kicker missed to kicks now they were long kicks. They were fifty two and fifty, three, forty, nine something like that. He missed two field goals and the truth is at the end of the first half of you were watching. It was one of those they're going to run the clock out, but they run the ball and they pick up twenty yards and then they decide. Let's go for the field goal. Make the dude kick to fifty six yarder to. to tie game yeah. No I I get Christian Kirk is actually a decent punt returner and their punter Andy Lee's been I think he's been a pro bowler a couple times during the course of his career I I mentioned this one thing I forget if I mentioned this to you when I when I sort of recapped I said, which is tackling I think tackling huge especially in space especially around the line of scrimmage, we're a lotta throws go but that San. Francisco didn't make any mistakes in the game. They didn't want turn over they didn't have a lot of penalties and they lost the game. So that tells you something about Arizona that Egypt just that alone is that they I mean the the one mistake they made this is the blocked punt I. Get it. New is a big one a big one, but they didn't turn the ball over at all and they had very few penalties annotate three penalties in the game. But that sort of went with the trend of week one with not a lot of flags. Eggs yeah. All right WANNA get your smell test. When he gets coolies lock of the week, will give our predictions on the game right after this word from Liquid Ivy. This is the athletic. She'll Kapadia here to tell you about liquid ivy nobody likes to feel dehydrated. Maybe you get a little bit of a dry mouth, you just don't feel like yourself but believe it or not. Dehydration still occurs daily in three out of four people with Liquid Ivy you have the fastest most efficient way to stay hydrated. Each serving helps you get as much hydration as two to three bottles of water maybe use it after a really intense workout. Maybe you went out socially distance with friends and had a couple of extra beers the night before that's where liquid IV comes in. It is healthier than those sugary sports drinks, no artificial flavors or preservatives. And less sugar than apple plus it contains five essential vitamins more vitamin C. than an orange and is much potassium as a banana and liquid is on a mission to change the world liquid IV is donating three point seven million servings in response to covid nineteen products are being donated to hospitals, first responders, foodbanks, veterans, and active military liquid IV is available nationwide at Costco and target, or you can get twenty five percent off when you go to liquid IV DOT com and use code athletic at checkout. That's.
Covid-19 Is Changing Back-to-School Shopping
"Back, to school shopping is on a bit of a delay during the pandemic just look at the numbers August data from the National Retail Federation Shows K. through twelve shoppers had completed only forty one percent of their buying on average that's down from fifty four percent at the same time last year and the lowest level since twenty twelve and people may also by differently this year according to the survey sales of flash drives, mice, desks, and chairs are expected to increase. Let's. Bring in Wall Street Journal Retail Reporter Sara Nassauer Good Morning Sarah Morning Sarah. Let's start with a comparison from twenty nineteen to now just how steep of a decline are these stores facing? It's going to be very steep. It's it's really night and day last year the economy was strong back to school was a really strong season for a lot of retailers, and now it's really ground to a halt in in many cases and I think everyone can sort of experience i. Think until about last week, the only school supplies I bought for my kids masks it's going to be a really different back to school season retailers would see this as really they're one of the prime shopping periods of the year. It helps them make the quarter and instead off a lot of retailers have reported earnings recently and talked about a season that a super unpredictable because most the majority of American children are not starting school back in a classroom and starting remote. So, you don't need to buy school supplies in the same way. So retailers are kind of planning to spread things out. You know target talked about having back to school supplies in stores for a longer period of time than they would've normally because they said just. So unpredictable Hobo sales and promotions, and is that a way to make up for any losses you know they're gonNA generally right now we're not in a promotion period for retailers retailers have said over and over again. When we're shopping right now, we're not really looking for a deal were going out to the store and get it done and they don't need to discount to get us to buy things. So that has really helped them be profitable and I think that will continue through the holiday and back to school season. As far as merchandises concerned, are some of the big box retailers changing what they would normally carry this time of year, we've got fall weather approaching. Are they sticking with what has worked in the past? They're basically sticking to what has worked in the past back to schools are pretty classic merchandising season. You know we buy some clothes, you buy some school supplies. There's always something that is a little different each ear the selection hasn't. Changed so much it's just the quantity that they're gonNA supply. They don't want to get over inventoried and the period of time that we're GonNa see this stuff in stores is going to be stressed out because there's some school districts where you're starting remote but you might go back to class and your teacher might ask you to get something in three weeks that normally they would have asked you to get you know at the end of last. School year are there any winners and losers in the back to School of Reno I'm wondering if stores that sell electronics perhaps doing better than stores that that focus on clothing I think that that's that's exactly right. I think. You know think about the stores where you can go to get something that you would need not only for an ins classroom experience or the school closed, for example, but also remote learning That's gonNA favor some of. The big box stores, the electronic retailers that have a variety of merchandise. You know if you're an apparel retailer in your school district you know in the school districts where you have stores are back in school parents are going to be really hesitant to buy a whole bunch of new clothes. As you know back to school shopping can give us a look into the holiday shopping season any hints or is that just too hard to do I think it's really unpredictable. I think back to school is just it's so unique because of this remote school issue, it's not necessarily a good straight read on sort of the health of the consumer generally the the whole corona virus period has been really hard to predict this way. GDP. Shrinking and yet you have retailers like target Walmart Costco home, Depot Lowe's reporting. You know comp sales up twenty percent So sort of the normal patterns that we would look to to gauge some of those things just don't work anymore I think that the consumer slowing down, we're definitely seen signs of that government stimulus has run out the additional unemployment benefit ran out at the end of July. So slowing things down a little bit. So I think we'll see how that that's probably the biggest issue. How does that impact things in the next few weeks and how does that set up retailers for the holiday season?
3 Awesome Senior Savings Top Tips
"Well, what are the many benefits of being the father of five? Wonderful Beautiful Smart. Daughters yes. I. Have Five daughters is that they are very savvy when it comes to what's going on the Internet. And they tell me Oh dad you gotTA. Do this dad you've got gotta do that try this try that. And I'm thinking okay, enough's enough. You guys know everything. I. Don't know anything. But it's come to the point where. They were right in some cases. Of course, I don't tell them that hope that I listen to this podcast. But they turned me onto a couple of things that have really been a lifesaver for me and my wife. When it comes to running all over. Town trying to get this and trying to get that. And also I also assume that everybody knows about this stuff but me because I don't. I just don't read the Internet like the young people do. So they turn out to a few things. And don't worry I'm GonNa have this in the show notes down below. So you don't have to worry about that. I'll have links to these sites so that it's easy for you to just go on there and find out for yourself. But I can tell you it made my life so much more enjoyable. stress-free. Don't have to leave the house to go get different things. And saved a ton of money. So not endorsed by the way, I am not endorsing any of these services but I can tell you that I use them. So if you can try it out and see if it works for you. Let's start with the first one. If you've not heard that you can get your deliver your groceries delivered for free. Now a lot of the grocery stores will now deliver your groceries not only will they deliver them? They'll shop for them you go online. You tell them what you want I want nine bananas, three heads of Broccoli and five. Granny Smith apples in two gallons of milk. And they will have a shopper in the store. That will go get that, and in some cases, you can either pick it up. which I don't do or they delivered. And there are delivery services that do that for you. There's probably a dozen or so. Probably one of the biggest ones this. Again I didn't believe that this would work I didn't like the idea of this whole thing. People buy my groceries picking out my bananas or whatever may be but I was amazed when I tried it there's a fee for it I. think it's nine dollars and ninety nine cents a month or a hundred dollars for the whole year whatever. But you know how we go to the grocery store, the pharmacy or Costco or SAM's Club wherever. We go in there for four things we come out with forty, right Happens to me every time. So. Yes. I do pay ten dollars a month whatever it is for unlimited number of deliveries to my home. It's well worth it. It's saved me more than ten dollars a month. So instant card is one of the more popular ones I know there are some regional ones. There are some local ones I encourage you to use local if you can. It's always good to help out our local businesses. regional businesses but I'll put a link down below to the INSTA- cart. Website and you can check it out for yourself and see if it works for you. Now the other area that I want to help you save some money on is in pharmaceuticals or prescription drugs. It can I assume everybody knows this if I know what I assume everybody else does but He was talking to a client yesterday. These people are extremely wealthy. And I thought they knew about this stuff they didn't know about INSTA- car first of all the lady was absolutely amazed about heart. She said, really, how can I sign up I center link instantly she signed up instantly and I think today she's already got a delivery come to her house This is very important because this woman. She's sixty six years old. She's extremely mobile capable. Every sharp lady however, her husband has a very serious the. Diagnosis ends in a wheelchair. So you know for her to go to the grocery store by herself. Leave him alone is a problem obviously for her to bring her husband is also a problem whether he just sits in the car or not. Can you imagine what she has to go through every time if she needs a gallon milk or runs out of paper towels? To nightmare, she was amazed about what instagram would do. But she also didn't know. About some of the pharmaceutical savings that I showed her. Now her husband again, I'll use him in particular. He takes medication that seventeen hundred and twenty two dollars a month. With insurance. Data very rare drug. Mentioned he's got a very serious condition. Chronic. Of course, there's no generic substitution for it at Seventeen, hundred, twenty, two dollars a month. And they have Medicare and again, these people are extremely wealthy. Seventeen hundred dollars isn't a big deal for them. However, everybody wants to save some money. So. What I said to her was. Let me do some research for you. Let me find out who makes that drug. Thought out who makes the drug shirt off to that drug manufacturers website and as a coupon. For the next ninety days, he could get a ninety day supply of medication for thirty dollars. Ninety days for thirty dollars. Had I not done that she would have gone to the pharmacy and paid seventeen hundred and twenty two dollars and forty three cents. Amazing she was absolutely stunned now this manufacturer's website by the way. Some of them are income based. In some cases if your income is low enough, you just tell them your income is whatever it may. You may qualify to get the medication for free. But in this case, it didn't ask for any income questions and again, these people are very wealthy. And she was just amazed. Ninety Day supply for thirty dollars. She was very, very happy. Somebody gives you the names of a couple of. Opportunity To. Save. If you haven't heard of good Rx DOT com. I don't know why I use it. I was a skeptic at first used it. Love it, recommend it to all my clients. I have a stack of good Rx cards in my office and you don't need one. I handed out everybody that comes in you go to the doctor's offices they also hand out modest you probably see their yellow and white. Terrific, program. I don't know how they make their money, but I can tell
3 Awesome Senior Savings Top Tips
"Well, what are the many benefits of being the father of five? Wonderful Beautiful Smart. Daughters yes. I. Have Five daughters is that they are very savvy when it comes to what's going on the Internet. And they tell me Oh dad you gotTA. Do this dad you've got gotta do that try this try that. And I'm thinking okay, enough's enough. You guys know everything. I. Don't know anything. But it's come to the point where. They were right in some cases. Of course, I don't tell them that hope that I listen to this podcast. But they turned me onto a couple of things that have really been a lifesaver for me and my wife. When it comes to running all over. Town trying to get this and trying to get that. And also I also assume that everybody knows about this stuff but me because I don't. I just don't read the Internet like the young people do. So they turn out to a few things. And don't worry I'm GonNa have this in the show notes down below. So you don't have to worry about that. I'll have links to these sites so that it's easy for you to just go on there and find out for yourself. But I can tell you it made my life so much more enjoyable. stress-free. Don't have to leave the house to go get different things. And saved a ton of money. So not endorsed by the way, I am not endorsing any of these services but I can tell you that I use them. So if you can try it out and see if it works for you. Let's start with the first one. If you've not heard that you can get your deliver your groceries delivered for free. Now a lot of the grocery stores will now deliver your groceries not only will they deliver them? They'll shop for them you go online. You tell them what you want I want nine bananas, three heads of Broccoli and five. Granny Smith apples in two gallons of milk. And they will have a shopper in the store. That will go get that, and in some cases, you can either pick it up. which I don't do or they delivered. And there are delivery services that do that for you. There's probably a dozen or so. Probably one of the biggest ones this. Again I didn't believe that this would work I didn't like the idea of this whole thing. People buy my groceries picking out my bananas or whatever may be but I was amazed when I tried it there's a fee for it I. think it's nine dollars and ninety nine cents a month or a hundred dollars for the whole year whatever. But you know how we go to the grocery store, the pharmacy or Costco or SAM's Club wherever. We go in there for four things we come out with forty, right Happens to me every time. So. Yes. I do pay ten dollars a month whatever it is for unlimited number of deliveries to my home. It's well worth it. It's saved me more than ten dollars a month. So instant card is one of the more popular ones I know there are some regional ones. There are some local ones I encourage you to use local if you can. It's always good to help out our local businesses. regional businesses but I'll put a link down below to the INSTA- cart. Website and you can check it out for yourself and see if it works for you. Now the other area that I want to help you save some money on is in pharmaceuticals or prescription drugs. It can I assume everybody knows this if I know what I assume everybody else does but He was talking to a client yesterday. These people are extremely wealthy. And I thought they knew about this stuff they didn't know about INSTA- car first of all the lady was absolutely amazed about heart. She said, really, how can I sign up I center link instantly she signed up instantly and I think today she's already got a delivery come to her house This is very important because this woman. She's sixty six years old. She's extremely mobile capable. Every sharp lady however, her husband has a very serious the. Diagnosis ends in a wheelchair. So you know for her to go to the grocery store by herself. Leave him alone is a problem obviously for her to bring her husband is also a problem whether he just sits in the car or not. Can you imagine what she has to go through every time if she needs a gallon milk or runs out of paper towels? To nightmare, she was amazed about what instagram would do. But she also didn't know. About some of the pharmaceutical savings that I showed her. Now her husband again, I'll use him in particular. He takes medication that seventeen hundred and twenty two dollars a month. With insurance. Data very rare drug. Mentioned he's got a very serious condition. Chronic. Of course, there's no generic substitution for it at Seventeen, hundred, twenty, two dollars a month. And they have Medicare and again, these people are extremely wealthy. Seventeen hundred dollars isn't a big deal for them. However, everybody wants to save some money. So. What I said to her was. Let me do some research for you. Let me find out who makes that drug. Thought out who makes the drug shirt off to that drug manufacturers website and as a coupon. For the next ninety days, he could get a ninety day supply of medication for thirty dollars. Ninety days for thirty dollars. Had I not done that she would have gone to the pharmacy and paid seventeen hundred and twenty two dollars and forty three cents. Amazing she was absolutely stunned now this manufacturer's website by the way. Some of them are income based. In some cases if your income is low enough, you just tell them your income is whatever it may. You may qualify to get the medication for free. But in this case, it didn't ask for any income questions and again, these people are very wealthy. And she was just amazed. Ninety Day supply for thirty dollars. She was very, very happy.
Two Angels Petite Sirah 2017
"This. Is Dave from. SHEEP WIND DOT COM. Come and again with another one. And this one is kind of an interesting one is this a? Ten dollar one. Or is it a twenty four, a gallery one? And the answer is depends on where you by. The. Angels. Petite Surat twenty seventeen, which I picked up at Costco. For Nine Ninety nine. You go elsewhere. Check the Internet out and it's selling for twenty, three, twenty, four, twenty, five. So it's like this is a ten dollar wine or is this the upscale wide? It's a petite derived from the Red Hills Aba in lake. County Lake County is due north of Napa Valley. And it's On the end of clear lake up there up about two thousand feet or more. From The Becker Mecca. Famous. Mountains I'm not quite sure where. But. It's high elevation, which is interesting. It's got You know the lakes helping things spot canucks soils. Really Cool. Groin area. It's one hundred percents. nine months in French Oh, twenty percent new. Is this deep dark rich bulbs, Bisi. Why it's kind of funny I'm drinking on a hot and sticky. August nights in the mood. A bit out of place but in about three weeks when it cools down at night. It's going to be just the wine you're looking for. And it's big bold. It's both silky smooth events ICS got tons of spies. Yeah And like I said, is this a one? There's this twenty, four dollar one. It's it's rich extracted. It's got a lot of flavors. Usually like the Tannin's and the acidity talk about that. But there's so much flavor they take back sheets everything that's going on. Off The teeth Sarah's kind of a weird grip kind of explain that a little bit. Back in the eighteen hundreds late eighteen hundreds, France at all sorts of problems with Pest and disease in vineyards, and when you're having problems with wine and France, it's a big problem. And the Sarah Grapes? Enron valley we're having some problems. So man named Europe. But Together With I think person? I'm it's a great that I think might be extinct nowadays or just almost never planet. To kind of create this hardy. Healthy. Sarai substitute. And by the time he did. The problems in the vineyard solved the no one wanted the. Ceron. Somehow showed up in Australia where it's called the roof. And California, and it wasn't a big wine from California until lately. It's everywhere. If you grab the Zinfandels, probably got some Petite Saran there and In other if you grab a red wine, it's the hidden member the. Used to. Flavor you. Come to expect. It always gives the wine a little bit of a boost unexpected boost. The teat psoriasis come into his own. This is a really, really nice petite up. that. If you feel like going upscale spend some money, well, you can go to any other store you want to. But if you want to spend ten bucks, go to COSCO and if you don't have a membership card, you talk to your neighbor does. Toss him twenty bucks or so and promise to share it with them. Drum breakdown. And you're in luck in I don't know what to say about this wine then it tastes great. Spice it's a big red wine. You like big boy red wines a big girl red I don't want to be. I don't WANNA be. Hurt anyone's feelings.
Big Tech CEOs Testimony Before Congress
"Today was the day as I record these words the big tech CEO's are still testifying before Congress. So I'm going to have to do a summary of what I've seen just in the first couple of hours or so and leave some of the juicier question and answer back and forth for tomorrow. I up a note on the format that we've been seeing. Yes. All of the CEOS were testifying remotely. They were using Cisco Webex as the video conferencing tool and it seemed to work fairly well at least right until this very moment as I turned off the stream to go into the booth to record this, they took a ten minute recess because apparently one of the witnesses. was having an issue with their stream or feed, and I'm wondering if it might have been Jeff Bezos because at least thus far were almost an hour and a half into the testimony and he hadn't been asked a single question. Anyway back to the whole idea of testifying remotely if I were going to do one of those rate, my video call backgrounds reports. Bezos look like he was in some sort of executive boardroom, lots of tasteful Chomsky's behind him. Look like he was in a conference room at a high end law firm I couldn't tell what Zuckerberg was sitting in front of it looked like closed vertical blinds almost like I don't know some sort of like a bunker like if you're battening down your house for a Hurricane Tim, Cook was in front of some sort of tasteful plant trough though he was clearly working off an ipad pro. Let's start off with what the Fab four had to say in their opening statements. Amazon's Jeff bezos underscored Amazon's job creation, its investments in social causes and its role in supporting small and medium-sized businesses. And made the case that Hey Amazon is just a tiny competitor in a huge global market quote. The global retail market we compete in is strikingly large and extraordinarily competitive Amazon accounts for less than one percent of the thousand five, trillion dollar global retail market and less than four percent of retail in the US unlike industries that are winner take all there's room in retail for many winners for example. More than eighty retailers in the US. Alone earn over one billion dollars in annual revenue like any retailer we know that the success of our store depends entirely on customer satisfaction with their experience in our store every day Amazon competes against large established players like target Costco Kroger and of course, Walmart a company more than twice Amazon size, and while we have always focused on producing a great customer experience. For retail sales done primarily online sales initiated online are now in even larger Growth Area for other stores Walmart's online sales grew seventy four percent in the first quarter and customers are increasingly flocking disservices invented by other stores. Amazon still can't match at the scale of other large companies like curbside pickup and in store returns and quote alphabets. Soon, Darpa, Chai, said that Google also operates in a highly competitive. Market and that it's free products benefit the average American quote. A competitive digital ad marketplace gives publishers, advertisers, and therefore consumers an enormous amount of choice pichai stated, for example, competition and ads from twitter instagram comcast and others has helped lower online advertising costs by forty percent over the last ten years with these savings pass down to consumers through lower prices in areas like travel and real estate Google faces strong. For search queries for many businesses that are experts in those areas. Today's competitive landscape looks nothing like I. Did five years ago let alone twenty one years ago when Google launched its first product Google search people have more ways to search for information than ever before and quote. Tim Cook of Apple said that the APP store has opened the gate wider for software developers. Also, apple doesn't have dominant market share quote as much as we believe, the iphone provides the best user experience. We know it is far from the only choice available to consumers Cook said after beginning with five hundred APPs today the APP store hosts more than one point seven, million, only sixty of which are apple software. Clearly, if apple is a gatekeeper, what we have done is open the gate wider we want to get every APP we can on the store, not keep them off and quote. And facebook's mark. Zuckerberg said well, but he said a thousand times before that facebook knows it has more work to do on things like fighting misinformation and that you know companies aren't bad simply because they're big. And he took pains to point out that facebook is an American success story quote although people around the world use our products. FACEBOOK is a proudly American company. He said, we believe in Values Democracy Competition Inclusion and free expression that the American economy was built on many other tech companies share these values, but there's no guarantee our values will win out for example China. Is Building its own version of the Internet focused on very different ideas and they are exporting their vision to other countries as Congress and other stakeholders. Consider how antitrust laws support competition in the US. I believe it's important to maintain the core values of openness and fairness that have made America's digital economy, a force for empowerment and opportunity here and around the world and quote. In his opening remarks, the chairman of the Committee David. Sy-. Selena Rhode. Island. Laid out three areas of inquiry that the was scheduled to delve into at least in questioning from the Democratic Congress folk more on that in A. Quitting CNBC, each platform allegedly serves as a quote bottleneck for a key channel of distribution and quote the platforms allegedly used their control over digital infrastructure to Sir Vail other companies, their growth business activity, and whether they might pose a competitive threat and use that information to maintain their own power and third the platforms allegedly abused their control over current technologies to extend their power through tactics like self referencing their own products. Quote. Prior to the cove nineteen pandemic, these corporations already stood out as titans in our economy. Silly said in the wake of Covid nineteen however, they are likely to emerge stronger and more powerful than ever before, and he concluded by saying quote, our founders would not bow before a king nor should we bow before the emperor's of the online economy and quote? But as I say, while this was labelled as an anticompetitive antitrust inquiry, it seems like the Republican Congress folk were primarily interested in probing alleged bias against conservative users. In fact, Jim Jordan. One of the ranking Republican representatives spent most of his opening remarks railing against. which if that continues would basically be exactly what all of the CEOS in the talking head boxes would be hoping for right lots of distraction and no real spotlight on them. In fact, a lot of the most heated questions directed at a company that's not even present. We'll see if that continues but I have to say straight off Chairman Sicily and was very specific targeted sharp questions. He kept interrupting folks when they started to stray into doublespeak and the very nature of the questions from him and others at least so far. This wasn't like previous congressional hearings we've covered where the congress folk didn't seem to even understand the businesses they were investigating, and maybe that was because I don't know if you saw the woman sitting very prominently very obviously behind Mr. Cecil lean. Let me let the Washington Post fill you in on who that was quote as a twenty eight year old law student Lena Con penned a twenty four thousand word article for Yale Law Journal titled Amazon's antitrust. Paradox. The article described how US antitrust law isn't equipped to deal with tech giants such as Amazon. Even as the company has made itself as essential to commerce in the twenty first century in the way that railroads and telephone systems had in the previous century con now works as counsel for the antitrust subcommittee she has worked with Sylvain to develop his case against the tech giants including Amazon and quote. As I said, the questioning is continuing as I speak these words in fact I just heard that they came back from their recess. The whole thing did kick off hour late only getting started at one PM, eastern? So I don't think it'll be done before for five PM at least. So again, I'll put together a summary of all of the juicy exchanges happening now for tomorrow.
July Mailbag with Jason Moser
"The. Multiple answers I'm out Southwick and I'm joined, is always by broke camp. Personal Finance expert here at the Motley Fool. Hey, BRO, well! Hello Alison. It's the July mailbag where we answer your questions and this month it's with the help of multiple analyst Jason Moser. Should you buy a house now? What is modern portfolio theory and also here Jason's thoughts on a lot of stocks all that and more on this week's episode of Molly fully answers. Jason thanks coming back. you know I mean i. told you you invite me. I'M GONNA. Be here every single time. Thanks for having me back. I mean we appreciate it because we know you're a busy man, and so we do appreciate that you carve out time for us in our little show, don't. Always always make time for those important people in my life rule number one make time for allison and Bro I love. It sounds like a good one to me. Everybody wins. All right well, I guess we should just get into it, so the first question comes from Darren I've subscribed to the full for over a year and I'm really pleased with the service. I would like to know your thoughts about my holdings in Shop Affi- I've bought several times over the last three years, and it's now over thirty five percent of my portfolio and I. Don't know if I should continue holding or trimmed down. What would you advise a good problem to have I was gonna say that exact same thing? That's a good problem have? In a very glad, you have subscribed to our services in your really pleased. That's that's what we aim to to do. We aim to please help you make money and so yeah. This is one of those situations that we will find ourselves in from time to time as investors. A nice problem to have but something you do need to address at some point because it is going to be a little bit different for everybody. In so coming from the perspective of I, also own shop, a Fi stock in it's it's a wonderful investment. It certainly is taking up a bigger. Part of my portfolio a not at thirty five percent where you are. I think for me. It really does boil down to. That sleeping at night test in other words, you need to be able to go to sleep at night without worrying about this kind of stuff, and if you feel like shop, a Fi represents too much. Of your portfolio if you feel like you're overly allocated their, then, you may need to consider pulling it back a little, but now I mean it's. It's I think it's always important. Note you know. It's a big difference between building up a position buying a position to make this size to make this type of allocation in your portfolio. It's another thing entirely to have position grow into beat into becoming that size i. mean that that is that is in a little bit of a different dynamic there, so people all the different ways, some sometimes folks will, they will just sort of looking at it from the house money, concept or you. You just sell enough shares to recoup your initial investment, and then you let the rest of it go. Some people are perfectly fine with thirty five percent. Some people are not. They want a pair back so i. do think you need to kind of figure out what helps you sleep at night I do think that shop by a great business. I think the biggest risk in only shop, if I right now is valuation, just because it's dominating, it's space, but it's not making any money yet, and it's probably going to be a little while until they do so that valuation risk is there, but ultimately yeah I think determine. Where you feel most comfortable with it, and if you feel like you need to put a little bit of that money off the table, and he thirty five percents a lot, certainly very understandable. If they've said something you need to do if you do decide to pair it back a little bit. You've made multiple purchases, so you can identify the shares to sell to manage the tax consequence if this isn't a brokerage account and not an IRA. All right next question comes from Steven. If you are forced into unemployment, you are paying federal income taxes on unemployment payments are not contributing to social security nor to Medicare. How does this affect your future calculation of social security benefits and can one contribute to the social security fund during unemployment to mitigate any adverse effects on benefits, it is a little bit adding insult to injury, but you do owe federal income taxes on your unemployment benefits, and if your state charges has a state income tax, you probably have to pay state tax on that, although there are a handful of states that exempt unemployment benefits, so that's good news. And by the way you, you could have taxes withheld from your unemployment benefits you file. This form called form w four V. if you want, they withhold ten percent, or you can do quarterly estimated payments if you wanNA avoid that big tax bill at the end of the year, but if you're strapped for cash is probably just better to get the money now worried about your taxes later Eh. Stephen notes out. You do not pay payroll taxes. Those are the things that go into social security and Medicare so. So. It could result in a lower social security benefit, however, keep in mind that social security is based on your thirty five highest earning years, so if you enter the workforce at say twenty two and you work until you're mid to late sixties. That's more than forty years where the working so hopefully. If you miss out, if this year is not so good somewhere among those other forty, five or so years, you've had thirty five really good year so that this year won't be that big of a deal. So it probably will be okay. And then to address the last question. Unfortunately, no, you cannot make voluntary contributions to social security. There is at least one academic working paper out there. That suggested that people could buy into social security by like extra credits as opposed to contributing to your 401k, but so far that has not been passed by Congress I had an ex. Question comes from Sam. I heard to stocks discussed on another full podcast. When I read articles about them, it mentions they are thinly traded. I have two questions one I'm sure my position would still be quite small so I think I'd still be able to get in and out, but are there other things I should think about when it's a thinly traded stock and question number two. Is there a certain amount of? Daily volume you like to look for when considering a stock foreign investment. What volume do you want to see to not be? Quote thinly traded stock. Yes very good question in thinly traded stock just refers to the either the amount of shares or the dollar volume of shares that would trade on any given. Market Day and so. The. Thinly traded stock. The the problem is that you may not necessarily able to buy and or sell at the prices. You necessarily think you might be able to in other words when you look at a stock's price and you're looking through the. What what's going on throughout the day on the market, you'll see that did ask spread, which is essentially the bid. Ask spread is it's what someone's willing to pay for the stock versus what someone is asking to be paid for the stock? Because you know you have a buyer and a seller on on in every transaction they're. Normally most cases, these business business bread is very tiny, the couple of pennies maybe for most stocks because they're. They're heavily traded right there. There are plenty of dollar volume. But there are a lot of smaller companies small caps in particular in in you know a micro cap, specifically that don't necessarily meet these kinds of thresholds, and so you definitely have to be aware of that now I'll go back in time just a little bit, too. When we were running the service here at the fool called million dollar portfolios Roman Romani portfolio that we help manage members, and it was never really a problem, but we did have a condition in there. We were always looking for at least ten million dollars in average. Trading volume total daily volume now understand I'm not saying the number of shares saying the amount of money so basically shares times price, but we're always looking for at least ten million dollars. That wasn't set in stone it. It was an idea for us. It wasn't ever really a problem because we had a very diversified portfolio with a number of different types of companies, but when you're looking for smaller companies, you would've just keep that in mind that did ask. Spread is is something that just because it says the stock is twenty dollars. That doesn't necessarily mean you'll pay twenty dollars if there is a a big spread there between the bid, and the ask in so I think whenever you're considering stocks that have any lighter trading volume or thinly traded stock. Just be sure to use limit orders. Limit Orders of let us stipulate the price that you are willing to pay for or that you're willing to. To accept a if you're selling a limit, order is just a really good way to protect yourself from any unwanted surprise thinly traded stocks. You might not always necessarily get them when you want them, so you might have to lead that limited are in there for a little while, but but a limit order is a great way to protect you from any unwanted surprises. Next question comes from Randall. I'm in my late thirties now, but earlier in my life. I was very very bad with my money. Collection Calls Welfare and bankruptcy or not strangers to me. I've been at the bottom then I met the love of my life, and she convinced me to turn things around ten, and a half years later and I have done a complete one eighty, I took control of our finances rebuilt my credit and started investing and listening to all you find folks all. I opened it investing account with the goal of saving and building enough a down payment on a home. I'm happy to say we've now reached that goal. I recently sold at a profit because I didn't want that. Money tied up in the market. If we are close to needing it for a house, but now that we're here, I'm not sure what to do. We currently rent a basement apartment and our neighbors general living situation are less than ideal to put it mildly. So, we're champing at the bit to jump into the housing market that being said the experts have been calling for a drop in the housing market for a while, and that was before the pandemic hit now I'm worried that if we buy right away a year or two or three from now, interest rates will spike, and we could be put in a difficult situation. I live near Toronto. Canada or the housing market is already highly inflated in relation to the rest of the country should I be worried? While Randall first of all congrats on turning your financial life around love hearing success stories like that so good job on that. So I'll start with my standard answer with the rent versus buy decision, and that is just pull up spreadsheet and compare the all in cost of renting, including what you could earn on the money that use for down payment versus the all in cost of buying including the opportunity cost of putting down payment as opposed to having invested as well as insurance and taxes and maintenance, and all that stuff and project, where you might be in five to ten years based on various scenarios on what happens to stocks, if you. Rent an invest the down payment versus what happens to? What you'd look like depending on where home prices go. Generally speaking. If mortgage rates go up, that could way down on real estate prices we did see mortgage rates. Go Up for a bit a few years ago, but the housing market did find, but you could certainly envision a scenario where rates went much much higher, making houses, much less affordable and prices would have to adjust. But I don't expect that to happen anytime soon. I think we're. GonNa have low rates for awhile, but beyond that I don't know I've given up trying to predict where interest rates are going or even paying attention to people who try to predict where interest rates are going, so who knows? That said since you live in Canada. I thought I'd check. In where rates are these days and I and I got a brief reminder that things are actually different in Canada so I did a little bit of research. And then realize I had reach out to someone who knows, I reached out to Canadian Motley fool analysts Jim Gillies, and he had some thoughts so first of all just for you non-canadians out there. It is really different so in America. We get this thirty year mortgage than we have the same payment for thirty years. It's fixed. They don't have that in Canada. What's the most common is a twenty five year? But only the first few years or fixed. And then adjusts so in that context you can understand why Randall is worried about interest rates going up because over the next depending on which alone he gets the most popular is a five year fixed, and then you basically have to go get a new loan probably. So that put that in context, a little more, but also Toronto, really is crazy expensive. Vs from the end of last year that put it as the most overvalued real estate market in the world behind Munich. As Jim pointed out in our call here in the US we had our housing peak in two, thousand, six, two, thousand seven, and then we had what he called a reset, which is basically prices came down significantly candidate and have that slight downturn at home prices, but then they just kept on going up, so it really is different there, so when Jim explain all this to me, the difference in mortgages and the difference in home prices. Frankly he was inclined to say to this guy. You Might WanNa rent for while more and see what happens, but he also had the good advice of okay. What if you buy in prices? Come Down Fifteen percent twenty percent. What if they come down to a point where he upside down? You owe more than the home is worth. Are you okay with that? If. You're okay with that. Maybe it's okay to do that. But it certainly sounds like dicey situation than if someone were telling me like I'm thinking of do this in Dubuque Iowa or something like that. couple of other differences. In case you're curious about Canada in the US. Your mortgage is portable in Canada south. You Buy A. Get the five year mortgage, but then move get to take the mortgage with you for the next house and interest is not tax deductible. US Look at you, Robert, broke? Camp Can Canadian real estate experts there you go. Next! Question comes from Chris. I was on twitter the other day and saw that one of your contributors Brian Feroldi tweeted that he doesn't believe in a long list of technical trading terms and then modern portfolio theory. Can you help me understand what not believing an MP? T with mean this? He believed that diversification doesn't reduce risk. Also every financial adviser I've ever talked to his preached empty, so I would love to hear the counterargument. Jason you're not Brian for all the. Question I am not Brian for all the do get the talk of Brian Pretty good bit though. I I must admit I. Don't know what he said here in regard to modern portfolio theory and all of these technical trading arms. But I think I can take a guess. Generally speaking I agree with them, and I think you could sit there and look up the portfolio theory in you know read about it as much as you want. Just go to google modern portfolio theory, and you can dig right in there, but in a nutshell ultimately, what modern portfolio theory is the intention behind it? It's meant to reduce risk while maximizing returns. It assumes that investors don't like risk. They prefer less risky portfolios to riskier ones in order to achieve a certain level of return so right there. I kind of kind of lost me right there because I don't believe that every ever investors risk averse I think some investors have a very. Healthy, appetite for risk, and frankly I would say I got a pretty high tolerance for risk when it comes to investing, made it just because of what I do for a living but I. You know to me I like having that trade off least unhappy. Happy to take some risks there. If I feel like that upside, it's going to be potentially worth. So with modern portfolio theory, it introduces a lot of fancy math in the form of variances and correlations in order to come up with this. Quantifiable, investing strategy that ultimately helps reduce risk while allowing the investor to achieve. Certain returns in. Maybe it works for some not I'm not dismissing it personally I. Don't use it, I don't personally subscribe to it I. Don't need it. I think honestly for us. In a really believe it's extends to to most people in our full universe is that is individual investors I think a more meaningful way to reduce risk. is to just extend your timeline like invest longer. So like Tom Gardner said a number of years back when we were. Working on Motley, fool one basically take your take the time line that you think you want to own any individual stocks you buy shares of starbucks and I plan on owning it for you know five years. Okay, we'll just double it. Cloning it for ten in all of a sudden right there. You've given yourself more time. Time is one of the big advantages we have is individual investors. Money managers don't have that advantage, Wall Street done generally handed abandoned, either, but if you can be patient and just invest in good businesses. That risk really starts to come down over time. There are plenty of studies out there. That show that risk comes down the longer you hold onto those stocks, which into me, just renders modern portfolio, theory, more or less not useful mean on things, not useful for everybody, but it's not useful for me and based on Chris. Question It sounds like a agree with what Brian was saying there. We think I'll add to. That is I agree that risk is really not that much of a consideration if you are saving for retirement. But once you are in retirement man, and just say like you know what the market's not I'm going to extend my time highs in ten years. Because you need to spend money in that situation, I think diversification is important. It's important to have assets that don't always move the same direction at the same time. For some fools. That's just as simple as keeping any money need the next five years in cash, so you're right out any ups and downs, and that can be fine. But I. do think it makes sense to have. A mix of investment so that right now, technology stocks are doing very well, and we hope that continues to do well, but we remember was that happened in two thousand from two thousand to two, and there were down for quite a while anyone who retired in one, thousand, nine, hundred nine, or so it was very happy to have some small caps value maybe a. A little international, some reits to ride out the storm Yeah I think we talk about that often like recognizing where you are as an investor in life, are you in the grow your wealth stage, or are you in the protector stage, because they are two very different strategies, and we're all hopefully going to be in both of them at one point or another right? I personally and still on the grow your wealth stage I. Think we all probably are, but you will at some point get to where you need to focus on protecting the wealth that you've made so that you can then have that money to spend, and that definitely will dictate your investment strategy things that you're invested in and whatnot. Generally speaking I do like the idea for people who are just risk averse and have this notion that investing is just too risky. I mean the fact of the matter is not investing as far away greater risk like not investing. You will never grow your money if you don't the best, so if if if risk is a problem, I think generally speaking. Along the lines of diversification idea that that bros. talking about him, he just invest in invest in SNP index fund is something that just follows the progress and p. you know you're going to be participating in and if you look at that over the over the stretch of time, their five ten twenty thirty years, I mean that trend does go one way. It, but clearly the older you get, the more you need to start focusing on protecting your wealth, and that will change the way you view things. Right next question comes from Alex from Alexandria if I buy Muny bonds from another state in my IRA. Is it still taxable and Alexander with who we have a bond on and we do have a bunch. I know Alex up super excited about having a bunch on in Alexandria to I can't believe I haven't been there. It's like two miles from my house, but we still haven't been oh i. know because there's a global pandemic going on and we. saw. Alyx if we buy me bonds from another state in my IRA is still taxable. Bro, help him out or her or so Muny Barnes. People Invest Immunity bonds because they're free of federal taxes and in many cases. If you're buying bonds issued by the place you live, they might be free of state and local taxes, so that can be doubly triply tax free. That's why people buy 'em. There are some times, however that if you own immune, abound outside of an IRA. Pay Taxes and this surprises some people. There's something called the minimum tax. If you buy immunity bond at a discount, and then it matures at par. If you buy a distress, Muny bond for like you put an eight thousand dollars, and you sell it later for ten thousand dollars as a capital gain. You'll be taxed on that. So, there are some times when you would pay taxes on media. Now, Alex is asking what if it's an IRA? Do I have to worry about paying tax interest. If it comes from another state and the answer is no, you won't have to worry about that. The only thing I would say is. Generally speaking immune bond already has built in tax advantages, so you wouldn't keep it in an IRA, unless there's the example of the stuff I was saying previously like for. It's one of those exceptions when him UNIBOND would result in taxes than you might WanNa keep it an IRA, but generally speaking. If you're going to buy Muny Bond, keep it out of an IRA. Next question comes from Boone. I just did my first. Roth conversion and looked at that old account for the first time in. There was the expected dividend producing fund I remembered, but there was a stock chesapeake energy that I had completely forgotten about since I purchased the stock in two thousand, six fifteen. It's down way down like eight point five percent off the purchase price. What should I do with it now? It's in a tax deferred accounts so I. Don't think the loss is realized until I. Start to pull money out of the account and that might not. Not Be for fifteen years current value of all my shares will be about one percent of the value of the account after the conversion. Do I sell in the very little value? I had left and depend on E. Trade to keep up with lost for me or should I hold on based on the slim chance. The stock will be worth more in the next ten years. Oil Stocks do act unusually on occasion, only oil stocks. Stock everything else makes that usually. Chesapeake has been really. Interesting Story to follow and frankly. I don't I. Don't know that I would look at it today. As a business that I'd WANNA own so typically if I. You know I think it was yet idea. Didn't sound like a position are actively building united investment didn't work out. I mean that that happens to all of us. We don't get them all right. We have a philosophy here at the full. A lot of do we like to? Water flowers and pull the weeds, and that's just a nice way of saying. Add to our winners in to get rid of losers in. This I think is more than likely slated to continue being a loser I mean. Chesapeake has lost a lot of value. In it does sound like based on when you purchased this, these is absolutely busted I mean. There there are all sorts of reasons to sell one of them is if you thesis busted and the reason why you invest in the company is is no longer the case, and I would he probably is the case with Chesapeake so to me like you know, you could sit there and let it go, but but what's the goal trying to get back to even, or are you trying to get back a couple of bucks for me a lot of times? I'll I'll take a little opportunity here and there to just go ahead and pull those weeds sell it. Be Done with it. In even though it's just unique out a little bit value there, you can still take that money and do something more productive with it. So. Yeah T to me. I can't tell you to buy or sell obviously, but I can certainly understand. Selling in this case, but I you know. As as oil and natural gas energy can can turn around. This is going to be one that has a lot of headwinds in in. You might be waiting a very long time to to get any of this money back. I point out here that I it seems that maybe boone has a slight misunderstanding of how taxes in aries work because he talked about realizing the loss when he takes the money out and trade keeping track of the loss for him, it sounds to me that he thinks that he can write the loss off whence he takes the money out. That may not be the case, but just to be clear. One of the great benefits of an IRA is you don't pay taxes on the gains, interest and dividends from year to year. But. One of the drawbacks is. You can't take a capital loss on that as well so there's really no no way to benefit on your tax return from this loss. Next question comes from Benjamin. You recommend seeing a fee. Only financial adviser for check in every so often I know there is the Garrett planning network and others to help find an advisor. But what questions do you ask? And what answers do you listen for when trying to find one that is worth his or her one hundred fifty to two hundred fifty per hour. So I would say start first with asking yourself some questions. What are you looking for? You could go for the whole launch. Lada where someone is managing your money analyzing retirement plan helping new save and a five twenty nine. Maybe even doing your taxes with some financial planners do help with the state planning, or are you looking for something more targeted? You just want advice about am I saving enough for retirement, or are you close to retirement? You're like I just WanNa make sure that I'm doing right when terms like choosing my Medicare plan and claiming social security at the right time, so first of all just be very clear of what you're looking for. Then if it involves investments in any way, you WanNa, make sure that you find someone who is at least in the general same area philosophically and I say this, because many financial planners are hardcore index. And if you come to them as a motley fool, listener member with a lot of individual stocks. They may say okay. I'll give you some general asset allocation guidance, or they'll say I don't care if you like to pick. Stocks are not my advises, sell the stocks and go to index funds, so you want to make sure that if you're gonNA, ask for any sort of investment. Advice that you wanna find someone who's someone somewhat at least aligned for what you're looking for. Once, you've got that then. Just asked some of the typical stuff. You might expect so credentials certified financial planner. Are they a CPA either their personal financial specialist. How long they've been in the business. There are lots of people who. have not been in the business very long. Even though they're not young people, a lot of people choose financial planning as a second career, which I think is great, but just because someone may be look like they're in their forties or fifties. Sixties doesn't mean they've been in the business that long, and you WANNA. See if they've worked with someone like you right so if you have. Maybe. You have a large amount of wealth large income huge portfolio. You WanNa make sure that they have experienced with dealing with those issues, but on the flip side to if if you have, are you know middle income, decent size portfolio, but nothing too complicated. You don't WanNa. Go to someone who's used to dealing with someone who's wealthier partially because those people charge a lot more. You want to find someone who's kind of a little more lined up with what you're doing. Then make appointments with three folks. All of them will do get do free. Get acquainted means, and you're just looking for someone who you feel comfortable with. Since, you mentioned Garrett Big Fan of the Gary Planning Network and other is is not for the National Association of Personal Financial Advisers. But Garrett on their website has a how to choose an adviser section. Just Google attitude visor Garrett Planet Network has a great chapter from a dummies book that they wrote about how to choose adviser, and they have a good questionnaire that you can print out in US asking lots of good questions of financial planner. It's tough. Choosing a financial planner like my mom just went through that Bro! Is You know and she didn't really have a lot of options in Boise Idaho. Maybe two and one of them, she I never called her back, and never got back her, and the other one was just so busy just so busy, and just she just never. It's it can be rough. Finding a financial planner can be I. Think what we'll see is one of the consequences of this. Of the coronavirus pandemic. Just, like we are all used to working from home, many financial advisors and financial planners an now working from home. So in what they're doing is they're becoming licensed in more states. So, if you are more comfortable, working with someone over zoom remotely I think you don't have to stick with someone in your area. You can go beyond your locations, but you know some people don't feel comfortable that if if they're going to have someone managing their life savings, they want to be able to meet them in person. That's just a personal choice. All right next question comes from twitter. Is that right from sully what I hear? Okay? I just listened to the episode mentioning Your Weakness Two. Shopping carts and Tj, Maxx that me or you Jason. Accused me. Thoughts on the stock. If I had a war on Amazon, basket would be Costco TJ maxx Home Depot tractor supply. What would be your basket against online retail? That's funny. Well okay, listen I wouldn't have basket against online retail, because online retails where it's at. The whole idea. The whole idea behind the basket approaches to find a long term trend that you feel like the world is headed toward and so the war on cash basket, for example that was always one about people using cash war, traffic payments now with that said I get the spirit of the question some going to answer it because I do like some of these ideas. And I I would definitely include Costco in their in Home Depot's well. Home Depot gets a lot of my money. Doesn't, but they have a very loyal fan base of customers that just are happy to renew year in year out. So I love those membership models there, so costco and a Home Depot for sure you know I'm going to give a little shout at my wife Robin I. Know that she would approve of my adding target to the mixer. She hasn't been raving about targets APP and ordering on the APP the able to go to the store. Just pick it up right there I've talked with Ron Gross on more than one occasion about target and how this really has. Become a twenty first century resale right they're doing. They're doing everything online and in physical stores. What they call Alma Channel and then my fourth and I'm GONNA. Take this. You probably aren't expecting this when Alison. I'm GonNa Shock and all you. I'm ready. I'm ready Alta. We're going. Make up my I know my daughter's love. It ugly ugly Mug like this. What do I know about makeup? Tell you what. Get! A House with two daughters and a wife. That's what I know about make. There's a lot of it in an Ulta is a really really good business. They actually have a very nice diversified revenue stream. They've got the salon a`dynamic of the business which encourages people to go there they do have an online business. They have an augmented reality function there at where you can actually like. Try things on makeup to see how it looks. Mary Dillon just a phenomenal other adults of that's my fourth, their Ulta but they I appreciate the spirit of the question I like the idea I'm not saying this is the basket. I'm not tracking this basket in a not a not backing this basket, but in the spirit of the question if I had to develop. A basket, such as this one I think it'd go with those four. Yeah, I mean I guess you just have to think about what retail out there is something that you would still physically go to. Because the actual retail experience is being in the space is the experience and what you're there for? And I know I mean before Corona virus we I would go to target and just just couldn't believe how much money I had spent from walking through a few of the aisles. TJ Max is just a phenomenal business I mean what they've done through the years. Is really capitalized on the nature of the business, the advantage they have in that treasure hunt kind of nature like you go to TJ Max, maybe not necessarily looking for something, and then you end up finding a lot of things, and it can be a little bit lumping at times, but but generally speaking like management's a very good job of running that business, and they know how to exploit the advantage of experience. I think they're online game. Though I think they could probably get something going with online, and they just have not have not yet and so I. Haven't since Corona Virus for example. I haven't spent a single dollar there, but I continue to still shop at. Home Depot I. Think Yeah! We still shopping at home depot because we're doing. You know you gotta buy lumber somewhere. And I know my grandparents out in my my inlaws out in rural Virginia. They love tractor supply store, but that's not. That's not in where we live, but. Still New deck at the house there allison. I mean you, can you see? A big exposed beam behind me and some drywall work that needs to happen. Have lots of drywall work that needs to happen now though. Yeah Anyway get to that. All right next question comes from Matthew. I got married to my amazing wife nine days ago in a small Kobe nineteen wedding in our front yard after we postponed it from its original date in April all. It was definitely different, but still very special. My question is in relation to this wonderful event. My salary has been at a level that has allowed me to fund a roth. Ira I love the optionality of it, but after marrying my bad ass, wife are combined. Salaries are now over the limit that would allow me to fund the Roth. IRA does this affect occur immediately? Do I need to now open up a traditional. IRA and begin funding it or do I have until the end of the year. Matthew wants a Roth Bachelor party one last. Well Matthew I have bad news. When it comes to most things in taxes, your status and your age and things like that depends on where you are on the last day of the year, said if you're married on the last day of the year, you were considered married for the whole year. So that means if you contributed started contributing to a Roth IRA for twenty twenty. You need to call up your brokerage. Firm and re characterize that as a traditional. Now don't have any other traditional IRA, as it's very easy to do the back door, Ross which we've talked about before you can just google it or even when you call the brokerage, just say I want to do the backdoor. Roth and they'll tell you what to do. If, you have other traditional IRA as you can still do. It just becomes more complicated and you'll probably pay more taxes. So you, but you may not be totally out of luck and I should say that's only if you have a traditional IRA doesn't matter if your wife has traditional areas. One exception by the way of of what I just said. In terms of tax status and last day of the year is distributions from retirement accounts before it's age fifty nine and a half, you actually have to be age fifty nine and a half to avoid that ten percent early distribution penalty, unless some of the many exceptions that are out there exist. Right next question comes from Warren Warren Buffett. Maybe I don't know that's why I was thinking. He's asking about coq, so maybe maybe. Once James Opinion on coke. By? Or hold? Wants to now. I'd give buffet night give. Kiesel Warren of the same advice and I would say. For some I'm not buying it. Not Buying it I'm not holding it if I own it. I guess that means sell it. Even Atlanta Georgia person like you i. feel like it's almost sacrilege. I am pretty close to probably not being ever even invited back. But the facts are the facts. Okay, I mean you do have to look at the stock itself has been ain't bad stockton for the last five years. I mean I do understand why when you look at it what they do, I mean they have. Four hundred master brands, and less than fifty percent of them are the big global brands that are actually responsible for almost all of their revenue when I say almost only ninety eight percent, so it's a business. It's very reliant on on. You know a small portfolio of really successful grants. The problem is now. We've always talked about cocoa beans such a great distribution story and that's true. They've got a distribution network. It's just phenomenal, but the problem is now. They're what they're distributing is is being seen as not so good for you in so you're seeing them. Have it into to essentially pivot away from what you know brought them all of the success for all these years. Years in soda and that that's not going to change I. Mean you're always GonNa have people to drink soda? People are not to drinking as much soda going forward in the numbers of just kind of the kind of shown that through that through the quarters in the years of Coca, Cola and Pepsi Pepsi. Has the salty snacks division, which I've always been very. Impressed by I, mean I love a good Cheeto, and so I mean anytime you can throw a bag of those cheetos in my Patriot Amok GonNa, turn it their coq. Interrupting, but I think this is also very important point. You tried the Jalapeno White Cheddar crunchy cheetos. The White Shit or so. I've tried to Jalapeno ones but I've not seen the white Cheddar White Cheddar Jalapeno crunchy cheetos. Don't get the puffy. The poofy ones are not as good, but the crunchy white Cheddar Jalapeno Cheetahs. them by them. They're amazing. I have to back. Pain you. I'll get those next time. I promise I, mean Eh. One. crunchy wants the puffy ones, so that people won't you're not? You're not seeing poopie. Who using poofy Joe Copy? We'll be Coca doesn't have that dynamic of their business. They don't have that dynamic to their business, and they've suffered from that Pepsi's Pepsi's outperform coca-cola over the last several years. It's not safe. Pepsi or coke get it back. I'm sure they probably can. But what I am saying is I think there are a lot of better ideas out there, and so I wouldn't be putting new money into Coca Cola and frankly if I did own it. I probably would look at selling it and you know if you've got a beverage company, maybe own starbucks. It seems like the science coming out in support of coffee, right? It's coming and telling you that these sodas. They're gonNA. Make you fat. Coffee, it could extend your life. It could help you live longer. SMART Mexican looking this a starbucks as well is. That sounds like study from the copy roasters of America. Do! Something that Chris Hill sent me the other day. that. We sleep at night. I'm glad I've been drinking coffee as long as I have God knows what I would look like otherwise. You're a good looking man. Rick. good-looking next question comes from. A. I'm trying to save money for my kid's College. Fund while the five nine is a great option. I'm limited to investing in mutual funds, which means at best I'm going to get what the market gets assuming I do some sort of low cost index fund and I be a capital F. Fool investor have been doing much better than the market in the last three years of being a member of. Of Stock Advisor Enroll breakers, even during this pandemic mess by listening to every full podcast and following David and Tom's and yours and every one else's in the full universe. My portfolio of about one hundred stocks is up here today. Thirty percent to the market's down five percent as of day as of today weighed down by three sluggish five to nine plants that are also down five percent each. I feel like throwing away money by using the five to nine, and not being allowed to select my own great companies in which to invest. What's more, my understanding is that the five to nine does not count as an asset for the kid when applying for student aid, but the coverdale does. So I come to you with a simple question. Can I have my cake and eat it, too? What if I wanted to use the coverdell to buy individual stocks? Until the child is nearing college? At which point I then converted to a five to nine. This allows me to get better returns and avoid it being an asset for financial aid and get the favorable tax benefit. So, chose this question, because first of all Dune does a good job explaining the benefits of the coverdell over the five twenty nine, you can buy individual stocks. You can buy and sell them all day long. We recommend that, but you can. Whereas with the five twenty nine, you can only make two changes to the investments a year, and it's all mutual funds. So. That's you did a good job of explaining that. I will point out with the coverdell. It's gotta low contribution limit of only two thousand dollars a year, so for some people save more for college, but they can max out to cover it out, but then put the rest in a five twenty nine. One thing that doomed does not have quite right. Is The financial aid treatment the financial aid treatment? Coverdale's and five twenty nine is identical. They're treated as assets of the parent, not the kid that is favourable from a financial aid perspective. It's not negligible doesn't mean it doesn't have any effect on financial aid, but it's better than an asset that is owned. By the kid. He can. Transfer money from the Coverdell to the five twenty nine. If for some reason, he decides to do that, but you can't transfer it. The other way around so were convinced to try out the covered. You have money in a five twenty nine. You can't move it from the five twenty nine. To the coverdale. What other interesting thing that he pointed out is that he is doing very well with his investments, and he owns about one hundred stocks. We get this question a lot. Either on the show, or on the full live that we run every day for members of full services, and that is how many stocks should I own, and if I owned too many are not just owning index fund watering down my returns, but here's an example if someone owns a one hundred stocks is still crushing the market. Idol last question comes from Cameron thoughts on the valuation of Stone Co in light of the corona virus for a fragile country like Brazil. This could be the tipping point after so many other headwinds. But how does that affect stone? coz Business Jason I. Don't even know what Stone Co is. What is still business? Yes, don't Coz a payments company that's focused on Latin American markets in Brazil and particular in so I guess it could be. Draw you can draw a parallel to to a with square through pay pal at, but generally speaking I mean it's payments. Company focused on Latin America. Primarily Brazil. Is the big money making market kind of like Marco Libra, they're. In I, I, it's a it's. A NEAT opportunity, gained a lot of headline recently, when and it was, it was seen that Berkshire hathaway. Warren Buffett's company Berkshire hathaway taken a five percent position in the company, which is pretty considerable i. Think in the near term. You have to acknowledge the fact that. They're gonNA, be some real headwinds in in Brazil particularly because of the pandemic I mean. The flip side of that is role in same boat kind of in that regard. The entire world is dealing with it, so it's not specifically you know it's. It's not particular to one economy or one country some. To get hit harder than others I, do feel like Brazil. Be at a place where they can recover from this given You know some of the other businesses in the area. I mean that that that I think is. Who knows ultimately how? That's GONNA shake, but generally speaking. I think the move away from cash towards cashless. Transactions in and financial software that's not stopping if anything, this hastens that which which is what I think, Cameron's talking about there and for a company like stone. Co, neither are other companies in the space pags bureau in roquetas libra to but you know moving money around is a big big market opportunity, and there's nothing that says they won't be able to expand well beyond the Latin American markets, too, so I I'd say cautiously optimistic I mean I
FDA recalls 75 brands of hand sanitizer
"Warning that the products many you're using to ward off infection, maybe making users sick or even causing death if ingested. CBS NEWS Medical contributor Dr David Vegas When Kobe 19 came along, you know, trusted brands went out the window for products in demand, like can sanitizer. We took what we can get. And what you get is a lot of foreign made hand sanitizers that do not have quality ingredients. While the FDA was unable to tell CBS News how many bottles a bad sanitizer were sold, some were available at major retailers like Costco, WalMart and CVS. A TV reporter has a cancer scare, but she has someone watching her to
'This is not an apology': AOC calls out GOP Rep. Ted Yoho after he semi-apologizes for berating her
"Congressman Ted Yoho of Florida took to the House floor Today to address the incident reported by the hill when he accosted New York City Democratic Congresswoman Alexandria, Cossio Cortez on the Capitol steps the Hill set, a reporter witnessed Yeo Ho curse out and make derogatory comments to a Costco quartet rise to apologize for the abrupt manner of the conversation I had with my colleague from New York. It is true that we disagree on policies and visions for America. But that does not mean we should be disrespectful Barcelona Cossio Cortez says Yo Ho's remarks were not directed to her and did not mention her name. Hence they were not an apology, she tweeted. I will not teach my nieces and young people watching that this is an apology and what they should learn to accept to Wednesday's
Publix, Walmart to Require Masks in Stores
"Rules for their own establishments. Add Publix to the growing list of stores requiring you to mask up to go inside. WalMart and Kroger already announced similar requirements. Earlier this week, Costco's had the policy in place. For a while, Same a target and CVS still trying to figure out the
Walmart to Require Masks in Stores
"Americans will be told to wear masks at more stores. CVS is requiring people to cover their faces at all locations starting Monday, the same day, WalMart and coals will require masks on all customers. Target will require mascot all stores starting the first of August, and Walgreens also will require masks in stores. They joined an ever growing list that already included Costco, Starbucks and goals.
Walmart will require shopper masks at its 5,400 stores
"News. I'm Laxmi, saying every customer shopping at Wal Mart will soon be required to wear a mask. As NPR's Alina Selya HQ reports, Wal Mart is now the largest retail chain to join a growing list of companies mandating face coverings. Is the US suffers another large wave of new Corona virus infections. Wal Mart and Sam's Club will start requiring shoppers to mask up on Monday. They joined Costco, Starbucks, best buy and some others and making this a nationwide policy. Wal Mart says most of its stores are in places that are already subject to some form of government mandate on face coverings. It sights new spikes in Corona virus cases across the U. S four months into the pandemic. The chain is creating a new job of health ambassador especially training workers to deal with shoppers who arrived without a mask. The National Retail Federation says it hopes Walmarts move will become a tipping point for all stores to require masks inside, adding that quote shopping in a store is a privilege, not a
Calvin Klein and Tommy Hilfiger owner is closing all stores; Walmart requires customers to wear masks in US stores
"Is closing Heritage Brands whose stores are outlet mall, Staples will close all 162 locations. The same company owns Tommy Hilfiger and Calvin Klein, and it is cutting its total workforce by 12%. There's no federal mandate for masks, but mask requirements of retailers air coming back. WalMart now says it will require all customers toe wear them starting next week. Starbucks requires them starting next week. Best Buy has restated stated its mass policy. Same of Apple and Att. Costco.
Walmart Will Require Shopper Masks at Its 5,400 Stores
"Start requiring shoppers not just employees to wear masks in its stores that will start on Monday. Best buy is requiring that as of today, Costco and Starbucks made the move earlier. Wal Mart says it will have health ambassadors stationed at the door to remind people to wear masks when they come in with money News from Bloomberg on K Y w I'm Joan Doniger,
The Forgotten Favorites Episode
"Hey there. It's me Lisa. Lillian also known as hungry girl. I am super excited to be here for yet. Another episode of the chew the right thing podcast. How are you? Mike Jamie were good. How are you I am good less melty than I was over the weekend. It's finally cooling off. Fine a line. At least you didn't have a power failure in your house. That is so true. Thank goodness. But if you have a power failure, that's the best excuse to eat everything in the freezer. Is Facing. I was like Tonita everything well Mike. Kept telling me. Don't open the refrigerator or the freezer, so that was my reason, not to and little known fact. That's probably a known fact. I didn't know it. The CDC recommends that you can keep things in the refrigerator for up to four hours as long as you don't open the refrigerator, but after four hours with longer now I throw it all things so I think you can just never open the fridge. I, just like I remember when I, was a child in the power to go out and I want to eat everything. Like funny, it's funny I'm talking about a childhood memory because today's episode is all about forgotten favorites. It's just Retro Very Retro today which I like because I consider myself kind of retro person I feel like all of my like my sensibility, my style. My tastes are a little retro. So agree. Yeah, little, vintage vintage A. I. Don't I'll take that as a compliment. but we've got it all today. We have some tasting. We have a sponsor. We've got news. We have a rousing game of chew or false right. Columbus. I can't even believe it. I'm so excited so I think we should probably just jump on in. have. You heard of avocado milk now. Okay? Well, apparently, it's Jamie have you heard of it only because I. Go on. L.. Apparently, it's a big deal in New Zealand, and it's about to hit the US. The drink is ninety calories a cup and has made with oats, honey freeze dried avocado water and lentil extract and it also they also have a chocolate flavor along with the regular flavor, and the chocolate actually is also ninety calories. They just add cocoa to it. So, we gotta get ourselves some of this and try and try and house the fat content to. We know I didn't look grams per cup. North Bad. Okay now I would try the I trip told. It doesn't sound delicious to me, but I love trying new. Milk Products, and it's always good to check out a new chocolate milk swab, because that calorie count is pretty good so I will give it a shot, but not so excited, so this one is really more for your niece. Lauren and all the other begins out there. Have you ever heard of the Vegan? Hawaiian store called Veg, oh. Okay so it's. It's dubbed the Costco. For vegans and it's an actual story can go and pick up stuff now. It's going to be on the mainland by the end of the summer. It's going to be for delivery only so you order it on to kind of gambling. You ordered online and they they'll send out to you in I guess freeze packed. Boxes and they have every Vegan brand like everyone. I didn't have to name them all. They literally have every V and brand in the store. Oh, wow, that's really cool, so there's not going to be like an actual physical brick and mortar location. It's all online right it's going to be. They're gonNA. PUT Basically warehouses in the major cities, probably at first, and then like Amazon you'll order it, and they'll ship it out from those those warehouses interesting. Amazing I think that's going to be super popular now it's like that. Love it. There's a lot of actually vegan products. That was so funny I was just thinking like. I spend a lot of time. 'cause I am the ultimate carnivore, but I say now these days it's fifty fifty whether I reach for something. That's actually like an animal, product or something. That's made by Gardena or AMY's. That is just sort of a substitute and I love them both so I will be partaking true excellent. All right so we a sponsor this week and we have a good one. I love sponsored segments where we get to taste food and we're going to do that today, so our show today's brought to you by back to nature back to nature that sounds so healthy, doesn't it and fitting for today's episode back to you know? That's right, but this is not. It's actually not a retro ran. It's a very like hip and cool brand. That has a ton of stuff I was so excited I have to be honest about the portion control. Many chocolate chunk cookies that are incredible. They have cookies. They have crackers. You guys like Fudge Man I. Know Mike. You're like a mint. Fudge Mint Person, aren't you? Yeah I definitely love the the Mindy Fudgy things for sure said yeah, they have a fudge mint cookie. That's amazing. They have organic stone, ground, wheat, crackers, and I love the flax seed flat breads like they have these huge flat breads that are so crunchy and incredible. We had them. I think we had them at Hungary lamb for a while, and they were like everybody was just eating them like they were going out of style, which they are not there in style, but their new. New Protein crackers is what we're going to try today, so the protein crackers come in two flavors I have one flavor. You guys have another flavor and we're GONNA try them. I love them because they are made with P.. Protein pea protein is very hot right now, so these happen to be plant based and everything back to nature as plant based. I should start by saying that also so even their cookies right there Vegan right everything is plenty Everything's plant-based inspired by nature. Simple ingredients all right so. I'm going to bite into my We're GONNA. Try Wait. What flavor do you have because I have roasted garlic and Basil? Back to nature plant based PEA protein crackers. Would you have? I'm so excited. These are the whole lot of seeds, crackers, flax, Chia poppy and hemp seeds. They look so good and they're the big flat ones to which I like
It's Hard to Stop Watching #Karensgonewild
"Sure you all remember the TV show cops where people were caught. Doing really stupid things around police while that show is now been canceled. And what am I enters this week said it should be replaced by a new one called shops. You know where we use cameras to watch people going nuts at retail stores I mean it's all over the Internet. Now you could call it the sequel to America's funniest home videos, except it's not funny, and it has really serious. Consequences appear on this show in. You're guaranteed to be cancelled. Shamed. Lose your job and friends. I'm sure you saw the man who went on a tirade at a costco this week when he was asked. Asked to wear a mask or there's the tech. CEO, after dinner at a California restaurant who began spouting anti-asian slurs or the woman at the Texas seven eleven who spit on the counter after being refused service because she wasn't wearing a mask, it goes on and on and on do a search for Karen's gone wild on twitter, and you find yourself. I don't know if the word is entertained, but you will certainly see hours of footage of what you would assume. It'd be rational people going nuts with a with a person standing in front of them, photographing them and I have advice for all listeners today. If you get in that situation, really simple smile and walk away. Don't say a word. The minute your photograph saying something dumb. There goes your life. There goes your career. There is no rational reason. Maybe you'll feel good. Spitting out hated somebody, but it's GonNa. Catch up to you, It's the same sort of advice I've been giving for years. If you say something really dumb in email. It'll come back to bite. You say something dumb on social media. It'll come back to bite you, but this is even worse because the words are coming out of your mouth, and you're being shown onscreen. It's simple. Walk away. That's my weekend message for you folks too big question of course is why anybody would lose it with a smartphone camera documenting them. I talked to Jamie. Cohen who's an assistant professor of New Media at Molloy College in New York. He believes that people are just so tight. Tight or the ideology that the create a blind spot. They overreact that forget they're being recorded, and they just go crazy. Not Thinking about the consequences so again very simple cameras running in front of you smile and walk away.
Bed Bath & Beyond to close 200 stores
"I love bed, Bath and beyond. I don't know how you feel about it, but it is a I know people have their favorite stories. They like to go to some people. It's Costco some people's target. And they can go in and they could just spend hours inside of the store. But for me, it's bed bath and beyond. I don't know what it is. I just go in there, and it feels like kind of one of those big box warehouse stores like a Costco or Sam's Club. But It's a little bit more manageable. I mean, they're still our shelves that go all the way to the ceiling. And there's plenty of things that confined. You know, if you need, you know, to buy new pillowcases, it's there. If you need a new something for your kitchen, it's there. I love it. I'm always going to buy hangers. I don't know what happens to all of the hangers in my closet. But I need more hangers, and that's my goal. And I'm bringing this up because I'm so upset. There's so many of the clothes. They're closing a lot of the stores. Oh, I have something to confess What I have not been to bed bath and beyond since college. Really? Yeah. I mean, I went there. Obviously, you know when you need stuff for your dorm or your your apartment and things like that, it's a big, you know, That's where parents go right. Let's go when they're taking the you know. The kids the loved ones off to school. I remember going there in college to get the bed risers because you had to put your bed on the risers yet, buddy, where they're going to be closing two under stores. I know they're not the only ones. There's lots of them. I saw that. You know, there's so many stores that are declaring bankruptcy. Brooks Brothers did. Um, J crew did Wait. Dunkin Donuts is also closing a lot of source. I saw that too worried for our local Dunkin Donuts, Jasmine that we have that I haven't seen them and so long because everything has been so closed. But, you know, I bet Beth and beyond always gets me because they have that 20% off coupon and I fall for it every time. And I love that they could They take it even if it's not expired, And so for me. Anyway. Um, I always loved going there because even if they've jacked the prices up by 20% on everything in the store, I still feel like I'm getting a good deal because at least I have a 20% off
Florida man fired after mask meltdown at Costco
"Them. Have you seen this video? But a Florida man was screaming at an elderly woman inside a costco store after she confronted him about not wearing a mask always happens to costco. The altercation happened on June twenty seven a store. Gulf Coast Town Center. The person who recorded video said the man was getting aggressive towards an elderly lady after she asked him to why he wasn't wearing a mask inside the store, and then went after the man who defended
Hospitalizations and coronavirus deaths spike in hot spots nationwide
"New infections in Florida, Texas, Arizona and California pushed the US past three million confirmed cases today in Florida. The death toll is rising and intensive care units are overflowing in Arizona, people are now waiting upto 13 hours to be tested. Getting results could now take days due to backlogs. And in this cove, it ward in McAllen, Texas, where CS News was given exclusive access today, doctors there say they are being pushed to the brink. As we come on the air. We're also learning. A nursing home near Fort Worth, has been evacuated after 1/3 of residents there have tested tested positive. positive. CBS's CBS's David David beg beg No No is is going going to to lead lead off off our our coverage coverage tonight tonight in in South South Florida. Florida. Good Good evening, evening, David. David. Good Good evening, evening, nor nor were were in in Broward Broward County, County, and and we just heard that here in the county, they are increasing their fines and penalties against people who are not following rules and regulations were at Memorial Regional Hospital in Hollywood. 30 yards away from where I am. There is only what I could describe is a drive through covert receiving some you pull up, a nurse greets you brings you inside this tented area and immediately starts the triage process. The numbers are going up significantly the past few weeks. Dr. Randy Katz says the emergency Department here at Memorial Hospital in Hollywood is the busiest. It's been since the covert outbreak began. There's no doubt that this virus is just a deadly now as it was three months ago, and we're seeing more patients come into the hospital, more patients with infection and more patients with complications from this virus as numbers rise across the state. North of of Orlando. Orlando. In In Volusia Volusia County County Sheriff Sheriff Mike Mike Chitwood Chitwood says says his his local local health health department department has has stopped stopped telling telling him him how how many many people people are are infected infected in in his his county. county. It's It's unconscionable unconscionable because because if you give the American people the information that they need, we can make informed decisions. Meanwhile, hospitalizations and deaths in other hot spots. Continue to skyrocket. On Tuesday, Texas broke its single day record reporting just over 10,000 new cases. Arizona has fewer than 150 I seeyou beds left in the entire state. In California. At least 100 people have died from the virus for the third day in the past week at today's White House Task Force briefing, Dr Deborah Burke's made this plea use the phase coverings not going to bar is not going to endure dining. But really not gathering in homes. I, their mandate to wear masks continues to outrage. Some people, this man was reportedly asked to put on a mask a Costco in Fort Myers, Florida. He has since been fired from his job in an insurance agency. Meanwhile, more cities and state officials are making face coverings mandatory. Including in New Jersey and Atlanta. This kid woke up with a smile on its face. Pastor David Settles from Tennessee knows firsthand what it's like to lose someone to covert 19. His 30 year old son, Darius, died Saturday, four days after he was diagnosed. He is urging people to wear masks. Somebody gave it to him. And I bet you if they had known I'll give it to this young man and he'll die, they would have done differently. David beg No, thank you. And
"costco" Discussed on Slate Money
"I mean. It's that restaurateurs. Are they getting? Are THEY SHOPPING COSTCO? You know it's funny. You ask that because the the original premise of costco was supposed to be kind of this B. Two B. Model that sold to other restaurant tours and Food operators a goes all the way back to the fifties with SOA price who started this store called Fed Mart which eventually became the price club. One of his employees was Jim Senegal. He broke off and started costco but over time they realize this business to business model selling restaurant. Tours wasn't working. The business only really worked when they opened it up to individual people who kind of had this sudden novelty of going in and seeing these crates for themselves. It's a great question. Who The hell buys the seventy two pounds of cheese right? I don't actually know I've never seen any I`Ma Costco customer myself. I go in there. God knows he buys that but someone does out there and They have incentive to sell anything on their shelf because they're incredibly selective about what they do sell so this is a bit like trader. Joe's right they have a very low number of skews that actual items that they say. Oh yes so average supermarket. You're looking at forty or fifty thousand SKEWS WALMART. You're looking at one. Hundred thousand. Costco has thirty seven hundred skews. They're incredibly selective very small number of items relatively you know in any given category. You're going to have one or two selections rather than like fifteen or twenty. It's very low skew. Very high volume. So you know you're not gonNA buy one jar of tomato sauce. You're going to buy a six pack. You're going to buy a four pack of toilet paper you know seven pound. Tub of new Tele. That's the kind of all we're talking about here but it does raise the question. No if they only have three and a half thousand skews and each one is very carefully. Paik town because you know they've managed to negotiate some great deal with the manufacturer and they know that hits the sweet spot how on Earth they managed wind up with seventy two pound wheel of Parmesan. Like it's like is that really in the top three and a half thousand things that anyone wants. That's a great question. I mean someone out. There is buying these seven pound type of Miss Hellas in. A lot of a lot of big families will stock up. I I think one interesting thing you just raised. Is You know right? Now if corona virus all of all this panic buying. We're seeing the costco to some small level. I don't WANNA say they're contributing to that but the by design they are stockpiling store in some small way right like a family is going to go in there. Maybe once a and by enough rations to last a month you know the the prepping community for instance loves COSTCO COSTCO. Once at one time sold a six thousand dollar Doomsday Kit That gave you rations. That would last four years dehydrated meats and such so if you go on these doomsday communities like these bunker communities Very active right now online. You'll see a lot of discussion about COSCO sleigh. Money food is sponsored by DOOR DASH which connects you to all of your favorite restaurants where ever you In the country or even outside the country being candidate they're in all fifty states they The one stop shop which allows you to order food from all your favorite national restaurants like chipotle Ao Chick Fillet. Oh the cheesecake factory or from very small local restaurants. You know and love whoever you want to.
"costco" Discussed on Slate Money
"Is a relatively small proportion of of the Costco customers at large most. Tosto customers our families who buy these big bulk orders or just people in the suburbs stocking up on stuff you see. These retail arbitrage guys going in and buying big bulk packages of stuff and reselling it on Amazon for a prophet. And you also see You know the doomsday community. Going full scale on on their Costco binges lately buying out the toilet paper aisle and so forth. But I think that's actually a a relatively small portion. What's going on right now because this is one of the things which I find super fascinating about Costco which you are an expert in and which is one of the most amazing businesses in America is that people don't go there very often. The whole business model is basically that you have some monster suburban SUV tank type vehicle and you drive it into the parking lot of Costco. And then you go and you do. Some massive shopping by pallets live goods. And then you load them into your in the SUV. Oyo Pickup truck or whatever and you drive them into your four car garage and you just let them sit there and you can basically live off your garage for the next three months until you have to rinse and repeat If I got that right because I mean I live in Manhattan. I don't really understand this. So that's pretty much it. I mean the first thing you have to understand is most of these stores are in suburban areas. The average Costco Shopper is a pretty well off like we're talking like hundred K. so for discount store. That's that's pretty high and you know you have to have the space to store this stuff like you said but very much by design the average Costco Shopper. Probably only goes in once a month. Compared to the average supermarket shopper goes in once a week so That is very much by design That also comes with an economic benefit to Costco. You know the less a customer has to go shop. That's less resources for the store. Less restocking resources less cashier resources less people taking up space in the parking lots to some more efficient operation which is very court their model. It is super efficient right in typical supermarket. They you know a pallet of goods will come in and they will spend a huge amount of effort unpacking everything and so everyone can buy these bottles of shampoo individually or something and then at Costco People. I'll just buy a dozen bottles of shampoo at a time and then I'd know who thinks that it makes sense to buy a dozen bottles temperature time but people do that right. Yeah I mean look like you walk into one of these stores and it's it's really the the anti store in every way it's like the ugliest place in the world you have these bare concrete floors. There's no sign edge us. There's these giant pallets. There's forklift operators by you as you're buying your rotisserie chicken you know. And actually shockingly. It's actually expensive for Costco. Design their stores that way. It costs about eighty million dollars per store just because they're so large but all of this minimal operation. It's both by design it. Ultimately bitstream is the operations makes things a little bit cheaper for consumers. But it's also kind of just experiential in this weird way but I was wondering about that like how much of that is theater. How much of that is is is like putting on a show of being cheap as opposed to actually being efficient. Some of it is absolutely a show. Costco is is some weird form of capitalistic theater. In in some ways it's Jim Senegal the founder and CEO Of Costco who stepped down. Twenty twelve has admitted as much but to be fair. Some of it is practical and operational avid say. Actually most of it is bringing things. In on the Palate by forklift reduces the the backlog of stuff they have in in storerooms? It reduces touch costs which essentially. There's this idea in retail that anytime an employee has to touch a good adds to the cost and cost very low touch costs. It's coming straight off the truck in basically going right into the store. There's no fancy displays that you might see in whole foods. There's no stocking little cans on shelves. You see what you get and they have a bunch of like super high end steaks. Lobsters thousand dollars bottles of wine and that kind of stuff as well right they trying to be all things will people. Yeah I mean you can walk into a Costco and you can buy an eighteen karat white gold diamond necklace for five hundred thousand dollars. You can buy a seventy two pound wheel of.
"costco" Discussed on Grumpy Old Geeks
"I had a lot of fun doing in the video. If you're if you watch it But yeah I mean it. You have to decide whether you just WanNa have a great camera. That feels like Tigers Camera. Not something they'll do you know. Be a computer with a Lens. That'll somehow make you cool on instagram. You know so I guess. It's more of like a creatives camera. I've been thinking a lot about the street photography angle because I don't live in a big city right now. Why live in a massive city? But I don't live in a city like when I lived in Chicago I would go out to protests and that was like my bread and butter doing photojournalism and stuff when I when I was getting my chops but Friend the show Sean. Bonner lives in Tokyo right now and he's got a like a monochrome and he's out shooting every day and he's got some great great. Tokyo scenes so I think if anybody is industry photography and they want to check out what what's going on in Tokyo Anti-saddam season great work. You should definitely check out Sean Bonner's work link that in the show notes as well. That's cool Yay. Tokyo must be absolutely crazy. They they slowly questioning the Olympics. Right no actually about right before we went to air. The the Tokyo government The Japanese governor Tokyo government. The Japanese government came on in said that not. We're still on track. We're GONNA do it. That's one way to spread of viruses to get the whole world in place and then part. Yeah let's do physical activities where we breathe on each other a lot and then exactly. You're like wrestling like I mentioned earlier in the show for the show. Jason Bryant as actually. He's a wrestler wrestling and like okay. Let's have a bunch of sweaty guys rolling around with each other on a matt. Yeah let's don't you must the enough not enough pure l. for that you miss the good old days of just being ringworm. Now I just keep thinking of Eddie. Murphy's Ross herpes luggage of God off. All right man. Well thanks for coming on and stay safe in the in the big city so I think everybody should stay safe. You know. Yep Hope to see more of you on the livestream because everybody's going to be online for quite some time. Yeah twitches about to get heavy so you guys want you can follow me at twitch dot TV slash last X. witness or you can find me on Youtube last X. witness everything just last excellent. Yep All the show notes. We'll have all that stuff and I'm actually going to start at twitch channel if things get really crazy because I can't like actually meet any of my clients person anymore so I'm just like okay. Well here's how you podcast is just go watch this which. I'm in. Great twitter really great and now a a totally Siphoned some people to uh sweet. Yeah I got like I said I got this new mix that I bought from dot com which will also be linked in the show notes and all the gear that I have here I'm more than happy to descend those links out but yeah everything's GonNa be virtual for a while for people like us for sure. Yeah and if anybody has a like a sitting around. They're not using feel free to send it over -cause Jason to Philip. Oj doubt me. Fuck this guy. He's got a he's got a real job. Jesus all right on that note. Go Fuck yourself out..
"costco" Discussed on Grumpy Old Geeks
"We already had that The the old pastor guy was Jim Baker selling his silver selling silver. You've got What's his name? The crazy guy Who's the number one loonie Alcohol Alex Alex Start on the frogs Jones. Alex Jones I saw today the I was attorney general from the State of New York. I believe it was. She posted that she they gave Alex Jones a cease and desist because he was doing his just on Principles Jones Right Because he was making claims that his toothpaste would help would kill corona virus in that The Pentagon was purchasing it in large numbers to protect US was arrested for Dui last week after a domestic dispute right. It's best people the best. He'll okay yeah. So just look out for Sham Shit. And don't buy anything that anybody tells you is going to jeer or prevent the corona virus that you don't get from the CDC is basically the best advice writer. You'RE GONNA see a lot of emails about a supposed of vaccines that people have already that pronouncing time so the other ones We're seeing our Calls for donations. So fake red crosses those sorts of things We're seeing someone. Put up a fake version of Johns Hopkins. Heat Map Now Yep so when you go to that you get yourself a little I forget what you get an email. Download something to your machine. That is bad. The allows you to exfiltrated wear. Yeah exactly But it looks just like the Johns Hopkins Heat Map. Which is you if you hadn't if you have not yet checked out is excellent. The Actual Johns Hopkins. One is one of the best out there So you have that sort of thing And absolutely we're seeing fishing already Just taking care taking advantage of people's anxiety near ear. Yep Yep Interesting comment I saw swinging back to The president's speech about all this someone on twitter said the soothing parts weren't true and the true parts weren't soothing. Yeah it's funny. The my favorite tweet about it was This guy said my daughter is learning final cut pro and she just made a video of Donald. Trump's labored breathing during During the speech in I couldn't be more proud. Yeah I did. That was uncomfortable in many ways was uncomfortable because he didn't want to read it because he didn't believe it right. You know his. His people made him read that. And you could tell I think he brings a tooth because his jaw was clinch. So hard the only thing missing was someone holding up the front page of a newspaper so he knew that what data was when it was actually recorded like they do in those hostage video. That was the only thing missing. I was actually looking at the edges of his face to see if it was a deep fake. That's like weird and uncomfortable and I'm like is this real or is this a deep fake. Because and then he did the thing with his hands and I'm like oh no that's still him. That's still him when he had his hands clenched. You knew that he was the one reading it and then when he did the or you didn't know but when he just flipped his hands over. It's a beautiful thing we've got beautiful tested the most. Oh wait I have to get back on script. You know right right. Who's WHO's the guy behind the camera. That has the gun on him telling him to read verbatim you know. Is it the Bilderberg group right right? And it also reminds me of Just how I must remember back. When President Obama was in office? How how much. Hey the the Republicans made over him being the teleprompter president. You know that he was only he can only perform with a teleprompter. Oh what we wouldn't give to have a president with a teleprompter skills that other presidents have had just made up for him coming off Air Force One with a cup of coffee peak. For Christ's sake come on right. Yeah it's tough These are the times when he really want leadership at the top. Actually to that point I have a friend who is An expert in disaster recovery. Planning in like she. That's what she does and fire by the administration. No no I mean her. Her work Happens more at the state level but She's just apoplectic over the federal response to all this just how it every single turn from the communications to the organization just every bit of it is just the allows it of what you're trained to do and there's just no one guiding the ship. It seems knows what they're doing anyway. So we'll on how long? How long do you guys think is going to last three months personally three months? Okay well I think the grocery stores are going to be fine in three days there. We're GONNA teepee shortage. Everybody's going to be restocked. I talked to the girls today at checkout because I'm friends with all the people at my grocery store and they're like we're getting the best overtime we've ever gotten because we're all working in an one girl pulled out the tub of Clorox sanitizers wipe down the self checkout machines in her friend. She left it on the counter. Interference had put that away? Because somebody's going to steal that store But they're like you know they're they're okay with it at this point because you know people like you and me. Dave who come and coughing are pretty rare. Apparently I I still think three months for this whole thing to recover just just because of the the duration of the station of the virus. And you know the the fourteen to twenty one days people still gonNA start getting sick I'm probably going to get sick. My roommate's probably GONNA get sick. I think I think a lot of people are going to really get sick and it's going to be. I think at least three to four months. Personally I agree with Jason about the groceries for sure. I think everybody's already got everything that they possibly need to. The supply chains haven't been screwed up yet. So I'll everything's going to be restocked in the next couple days. So that's not going to be an issue anymore. I think I don't know I don't know how long people are going to be able to work from home because as we know it's very difficult. People are being very optimistic about how that's all to happen. I'd imagine within the next month will see numbers going down and I think people will start to go back to schools. Start to go back to work but I think the social aspect of it and the the repercussions of everything. We're going through right now. We're going to linger for months of linger for years. Now I think I think the economic damage that's going to be done by this is GonNa last for years Personally just because there's so many because you know Baristas can't work from home. There are a lot of people like the girls. Checkout Line can't work from home. It's there are a lot of jobs that are going to be really messed up and that comes back to what we've been talking about for the rest of the show is just like you know. Show empathy to your your local friends and not. Everybody needs to get through this together and don't be a Dick Yeah. I saw a good suggestion. Somebody said Go Online and buy a gift card for your favorite local restaurant That way they get the money. Now you'll you'll have a nice meal whenever things get better. You can go out. But it'll help them ride this storm. No one's going to the restaurant. That's a good idea. Not a bad idea. It's not a bad idea at all. Actually that's a that's a really good. It's better than my idea which was just go in and get ten bucks for the meal that you're GonNa get for the But yeah actually gift cards are. That's that's a really smart idea because yeah then you can just use it after everything goes and keep them in business right right exactly exactly leave on a good note that let's let's end on that positive all right well. Let's all cross our fingers that all three of us are able to to be back here next week right. That'll be the way it goes for the time being well. Brian are going to be here because we don't go anywhere. Well the way it works. We're we're used to this. This is this is our wheelhouse right now. Yeah that may be you but I have a family and I'm the one that goes out to do the foraging so when you have kids gathering yes yes. All things are kids. Go around yeah. The kids go roll around in the Petri dish and then come home and roll around all over everything at home. I was thinking about this. Brian has been sick so many times in the past two years or three years since he got Lucas that his immune system has to be like fucking iron man in that. This might work. I'm the one that's actually. I'm just coming off shingles so I've had a viral infection for the past month. So if anybody dies it's GonNa be me so there will be no show because nobody else knows how to record this properly. But I I know how to record right. We can start our star. Wars podcast there you go. It's the opportunity we've been looking for here on a very old geeks. Yeah Yeah that's right. That's right all right guys will Chins UP YEP MOVE. Talk to you soon. Upset seems a little weird to talk about anything. Not Corona virus related. But I did have two things in here before the proverbial fan. I saw a new three in one doc charger for your nightstand. That logitech has launched already have one. But this also includes you know the wireless charging and it looks sexy. It's really good looking. I might actually get that one. Yeah I'm considering it. It's a good Lookin' little pad and it can charge everything All at once so you can put your watch on their your phone your air pods. It's it's Nice I might grab it to at some point. Yeah the problem is is the speakers on the bottom because I use my phone at night to listen to podcasts. To keep the voices in my head at bay speakers on the bottom it might not work too well but the it. It's a good look in a little piece of Kit. Maybe I'll just get that for the office when I'm sitting here recording. 'cause that's there you go. You can keep everything charged up and you don't let it sit there. Do you have An Air POD charging case for years. No no I I have to do. A couple upgrades before. This is a complete used to me. So I gotTa tell you man when I when I got the Air POD twos remember. I didn't get the pros. I just went with the twos. Jim in I do the wireless charging those now on the same pad that one of the ones I gave you and these new airport twos. It's ridiculous it's like. I'm so used to my air pods dying in ten minutes that these these things seem to last forever. I like get three hundred three or four hours out of him and I'm like I haven't had to charge..
"costco" Discussed on Grumpy Old Geeks
"Podcast hacking humans with Joe Kerrigan as well as the CO host of caveat with Ben Yellen where they discussed law and policy as well as surveillance and privacy and we were just talking off air about how when we hit our mid forties. We both came down with allergies which we've had and in this day and age. That might get you killed. I know don't often in the streets right now. Do you know people scatter they. Just you dirty looks and you know people look at you. They they pull their children close to them and run away in. Fear so yeah. I guess we're mistrial very good very good. Yeah Yeah so how's it going over there Dave in in DC? I'm sorry Baltimore Maryland. Yeah in our offices are smack DAB right in the middle between Baltimore and Washington Most people might be familiar with Columbia Maryland. That's pretty much where are It's okay We're closing schools for two weeks Were there no more gatherings so for the time being? The governor has declared has declared a state of emergency They're going to be using the national guard to come clean things including the schools I found out to kill terrorists and all I got was his clorox. Wipe Yeah Yeah Yeah It's good that they're still keeping meals available for kids who need meals through their schools. So that's something I think is going right. but The stores have that look that they usually typically have before a blizzard where everything's kind of picked through. There's still stuff but most of the good stuff is gone and I ran up the store today just to grab something for lunch in long lines. I know I know I. There's long lines and and just I mean if people are buying giant packs of paper towels and toilet paper in all these the one place where there are large gatherings right now our grocery stores. Yeah that's right that's right so Razi Here at the cyber wire we have gone to a mandatory work from home scenario so Today I'm the one person at the studio safe there for now. There's nobody else here. So it's probably the best place to be But so fortunately we're in a situation where we can do that Really without a whole lot of impact. But this week has been we've had meetings talking about continuity plans you know. What do we do if people are unavailable or out of Commission Because really most of our plans have been around a person getting sick or you know typical type things but so In in a way that's good. Go through that exercise But I have to say it's a little disconcerting. Yeah well we really screwed this one up. Didn't we who would have thought that Gutting important government agencies would have repercussions yeah. He's a lot of this could have been avoided or it certainly could have mitigated a lot of things that are currently happening right now. Who Needs Social Safety Nets right when we have. Ai Yeah Yeah. I was thinking Through earlier this week of ood different scenarios and I wonder what would happen if ten percent of Congress died from this. You know so. Many of them are in the danger zone in terms of their age I don't think it. I don't know how realistic that would be but What would be the effect of that because I I? We talked about here many times. I think until things affect them directly. It's very difficult for them to make changes that. That may trickle down to the rest of us when it comes to many things when it comes to many things so as they all have healthcare. They do they do. But as we're seeing as we're recording this many people in Congress are self quarantining because they've been exposed and you know this is the thing that money can't really buy you immunity from Tom. Hanks got it. I mean if Tom Hanks can get it anybody. Yeah we're all screwed. Well a friend of mine who Was going down the conspiracy theory lines so much of that out. There said he said if he wanted to have somebody who who was calm. Put people at ease when it comes to getting the disease. Who'd you ask? That's right Tom. Hanks yeah so that kind of leads me into some thoughts that I've been having an and we were discussing just a little bit before. We started recording that that you know having an I mentioned this earlier in the show as well having lived through so many large events in in my life the LA riots. The earthquake here. That was so massive. Obviously nine eleven. I've never felt anything quite like this. This different And I don't really I mean obviously it's a different thing. It's it's global. It's it's something everybody has to worry about. But it feels weirder or out there than I remember anything else being and I I wonder how much of that is social media and the sped up nature of news and fake news now because nine eleven. You know you talked around the proverbial water cooler with your office people and that was about and then you didn't get any news until you went home and Tom. Brokaw came on and laid it out in thirty minutes. Now it's constant and everywhere and too fast. I beg to differ on the nine eleven thing because we had CNN on in my house. And I watch those planes go into the tower every thirty seconds and it noon created a it created a national. Ptsd now with this. There's no such event where you have that repetitive visual over and over and over again we have Sanjay Gupta saying really stupid shit. Sometimes he's like. Oh why why are you going to close Harvard? Because they're the kids are not going to be affected by this. I mean if they get it. They're going to be fine. I'm like do you know who teaches at Harvard for look through the catalog at Harvard. I mean again. It's the same thing that we've been screaming about the Anti Vaccine. It's not it's not about you stupid. It's about rather people. Yeah right so yeah to me. The the closest feeling that this matches up to is the feeling I had the days after nine. Eleven when there was this anxious uncertainty because we didn't know what was coming next. What could becoming next was going to get better was going to get worse. We're hoping for the best but preparing for the worst. I feel like that's where we are now. But you're right. There's no there was no big event where easing into this more slowly watching it sort of creep around the world and But that information is coming at a so fast on social media you're right. I think it's our planes hitting the Tower was the Donald Trump press conference because that was much of a train wreck that was a disaster and that relates directly to what you were saying Dave in those couple of days after nine. Eleven when you didn't know what was going on and there was no plan and to have our president come up and basically just tried to rebrand this thing rather than giving to pivot the virus. Well he that's what he did. He tried to pivot the virus to being an immigration thing. There was there was no plan set forth and it was so telling that both both Bernie Sanders and Joe Biden gave press conferences the very next day that put out good plans salted did I have. I have to go with you on that day. It's like when I went to the grocery store this morning and it did have that same. Feel that post nine eleven. Feel it was dead quiet. Nobody was making eye contact. Except the I as I previously mentioned in the show the couple that saw the empty P. I'll just started breaking up laughing but there was definitely a weird weird energy everywhere. Yeah I think what's making it worse. Is that for a lot of us? We do not have faith that our government has the ability to take care of things right now certainly not at the federal level I do feel much better about my state government. My local government So that's good And they're able to do a lot of things. You know I I'm I'm I'm fortunate enough to live in an area that has good healthcare systems. You know my local hospital is part of Johns Hopkins and so that's reassuring but it still doesn't mean they're not going to be overwhelmed and and you just simply won't be able to get any service. I think he got an in with Joe Kerrigan right. He works for Johns Hopkins. You can kinda get a hall pass. Yeah right exactly. I'll just go in disguised as him into the problem is Joe Kerrigan. Different deals with different types of viruses. That's right that's right exactly. Yeah here's your copy of Norton Antivirus. Please be on your way Sir. You gotta go in and do a in person podcast. When you're at the door should get. That's right that's right. That's right the thing that I notice today when I was at the store is that and this relates to the social media. Thing is that I'm really exhausted from all the small. Talk about it I'm tired I'm tired of all the all of the armchair experts I'm tired of the while pandemic just means that it's shortened. Saw Charmian pandemics happen all the time. Shot Yeah it is not helping and it's not has it. Yeah Stop Better. Watch out washing your hands without show that show was made in China. Ha ha ha ha ha ha shot Not Helping I was. I was talking to a friend yesterday. And he is like maybe we should have shut down social media instead of all the other things were shutting down and we might all be feeling a little bit better right now. Yeah Yeah I was talking to a friend earlier today. And she was saying that She basically muted all the corona virus words on twitter. Twitter basically went away. There's nothing left in her feet now. That's exactly the problem we had putting the show together. We didn't want to do a second show about the corona virus. But that's the only news that's out there is we. We were ahead of the curve again and did the last show about it now is the thing. I saw some San we. I saw someone say on twitter. That the great thing about Krona viruses. Now every podcast is a corona virus podcasts and that is true that is true. So I'm I'm wondering. What do you guys think about to get actually back on topic for a second here? The these scams that are going to start coming out. I mean we know start. They've already started that stupid people posting stupid shit. That's that's a given right. We talked about earlier with the vitamin C. Thing and all that when it comes to the scams what kind of scams do you guys think. We're going to start seeing like I buy my shit scams not just the go take phone see scale..
"costco" Discussed on News 96.5 WDBO
"Works at Costco and somebody yesterday returned a Christmas tree a live Christmas tree they bought a cosco Hey you in people do that and and the day the day after Christmas they return it it allowed a lot of stores will will do that they will they will take the return that's got to be so infuriating though right I mean this is so uncool thank you for cheap sorry but it is because what what is a Christmas tree cost like seventy five dollars yeah yeah and the end to go the day after Christmas and to return it hello there is a special place in the warm spot for someone like that no I'm saying six thirty nine now on our land does morning news good morning I'm little league and every computer president trump is retweeting a poster claims to identify the alleged whistle blower who led to his impeachment last night the president re tweeted opposed by his reelection campaign that included a link to an article from the Washington examiner that claim to identify that was alone on the daily beast as several people close to the president privately cautioned him against posting the name in public a new Tennessee bill would prevent trans gender females from competing and biologically female sports according to the Tennessee star the bill would require students at an elementary and secondary school to compete in sports based on their biological sex the measure points out that violations of such a policy would also result schools losing public funding sources the bills in direct contrast to a measure put forward by the U. S. house hold the equality act which would consider gender identity a protected status we told you yesterday about the woman and two children who were found dead on the sidewalk outside the parking garage of Boston's Northeastern University on Christmas day while the investigation continues Suffolk County district attorney Rachel Rowlands says they believe they know what happened the evidence collected thus far suggests that these deaths which occurred between approximately one twenty five and one thirty five PM were very likely a double murder suicide investigators say the mother was forty years old children were ages four and eighteen months because yesterday how Notre Dame cathedral in Paris was dark on Christmas for the first time in over two hundred years the church's rector now revealing the structure is still so fragile there's only a fifty per essentials it might be saved today it is not out of danger he says it will be out of danger when we take out the remaining scaffolding there is still a risk fifty thousand cubes of scaffolding installed for a planned renovation before the fire is now threatening the cathedrals golf eight volts we also told you about a Missouri woman who was able to get a kidney transplant from her husband this morning we're learning about a Florida woman whose co worker came to the rescue balance.
"costco" Discussed on Hungry Girl: Chew The Right Thing!
"Folks who oh. I'm so hungry howdy people it's me lisa. Lillian also known as hungry girl sara. I'm here at hungary land with my pals mikey and jamie what are we also known as mikey james nothing interesting couple couple from hundred-year-old pips. That's an old reference people in case you gladys knight and the pips okay. We might have some young as in the audience. Probably they not but anyway <hes>. I think this is a good time to thank everybody out there for being so i don't know text and phone cawley and review. We've gotten on so many good reviews in this podcast. People are clearly sharing this with their friends yeah and they're shocked when i when they tax rate them back. I got someone that was shocked roy. The mike has nothing to do all day. He just waits for the podcast phone. Yep looks down anyway so thank you for that. We love the interactivity. We love that you share with friends and we love the reviews. I actually spent like twenty or thirty minutes. The other day reading the reviews like it made me cry. People are so nice. I feel like next time. You're feeling down to break those out. I'll do it you up speaking of cheering me up. This is another episode that we're going to eat so many things so many things so many things so. This is another hall episode. We are so happy that you guys are embracing the hall episodes. This is a kosco hall episode. We did another one a few months back there. There are over forty thousand downloads for that episode crazy. So you guys love kosco yeah. It's not just me and mike listening twenty thousand times eat komo. It might be but still no. It sounds like that's a popular so we wanted to bring it back. And of course you guys went out. I think jamie went out with erin now. In my we spent the couple's tosco yeah. He was very excited. I never go with him to costco at the door. We got up early had breakfast. You have to get the costs. Go right away away or the lines are too long right. Yes and i heard you bought some clothing yeah. We've got some clothes ago shirt. I'll wear tomorrow. Maybe okay. Thanks for the heads up <hes> no. I'm excited. You guys picked out amazing. Things and i can't wait to try them but before we do that. We're going to jump right in now. This isn't strictly costco related but i'm sure you'll be able to find this product or costco once. It hits the shelves now. Are you ready. It's a it's a it's a big one bigger than hello kitty last week while i don't know if the bigger than kitty what he's pretty big coca-cola is debuting cinnamon coca cola this winter wow h ere's we'll just put some sound effects in there. It's going to come in the regular coke with all the sugar and then also coke zero. It's already debuted in the u._k. And it was a huge hit the cleared out all the all the stores like they had well reorder a second batch of them so it's going to be big human cinnamon soda <hes>. I'm not a big soda drinker anymore but i think i would try. This and i think cola really is like <hes> it's citrus. It's like lime flavored and so i think it'll taste good cinnamon coa. Try it it try it. When it comes out we will do it ourselves and we just get some sediment input into it won't be the same oh okay all right all right well. That's all i got tip. It's it. I wanna eat okay good so let's jump right in <hes> as i was saying earlier you guys went to cosco cute little couple and picked out like fifteen eighteen things or something. I don't know a lot a lot so we're going to jump right in with things that you find in the fridge and the funniest thing about the costco hall <hes> kosovar that that the bags of everything you buy are like taller than i am so we have tons of this stuff so i hope we like it. I'm sure you will okay so starting parting with first item up for grabs for choose american barbecue.
"costco" Discussed on KTRH
"From Costco. Individuals. Neither consult your physician for medical conditions. Visit us at goodfeet. Houston dot com. Come in and try to goodfeet feeling today comfort. You might have been missing for years. To talk to George Noory, call the wildcard line that eight one eight five zero one four one zero nine the first time caller line is eight one eight five zero one.
"costco" Discussed on KFI AM 640
"Have to do with food one has to do with peanuts when asked to do a slurpee let's start with peanuts southwest airlines i mean this is an end of an era member how handle was all all fired up yesterday about the polish dog going away at costco well i don't go to costco as much as he did so it you know what i didn't necessarily have any skin in the game on this one but you know how much i but it is.
"costco" Discussed on KSFO-AM
"Protests chicken protests are talking about how cheap those were was it the costco rotisserie chicken hours it really cheap yeah let me say something like oh gosh it's tens of millions of dollars a year on their rotisserie chicken they do this purposely what it gets you in the door to the back of the store and then you pass by all the other chomsky's that they're selling so you can get the chicken and by you know by a pallet full of other stuff yeah they're four ninety nine a pop out the door it's the holy grail of bulk by gazit costco the cathedral of wholesale yes shopping with a forklift white it's a beautiful thing where else can you buy supply of pickles that's that's the whole deal that's the and then you've got the humble food court i mean you look at this food court it is it's it's akin to something you would find at a a really decent high school football game what did you think about it nothing fancy and none of it's good for you know but it's oh so tasty but i'm looking at the costco pizza the costco pizza one slice should be considered to such a deal buck ninety nine a slice i mean how could you beat right and they do it perfectly every the cheese is lightly burned on the top the sauces it's definitely comfort food then you get the hot dog okay i'm gonna give you some hotdog stats from costco you ready for this first of all you can get a hotdog and a drink for a buck fifty it's so crazy i mean think about that and then then you think about what a comparable hotdog and a drink would cost you at i i don't know that the hot the hot dogs are any better i mean they're hot dog at costco flavorful it's more like a cabeza that it is hot dog and it's big signs hot dog that's what i'm saying it's a little a little bigger but a buck fifty plus a drink take me a second to get through here but i'll figure it out for ya okay listen to this but listen to this speaking of baseball costco sells over one hundred million of their hot dogs a year that's more than all the major league baseball parks combined in an entire season saying yeah they've got a down then you got the.
"costco" Discussed on The Tom Leykis Show
"I know you can use apple pay as well as well believe but that's a way to kind of triple dip on the points whenever i go to cost no i believe if you're getting something worthwhile here here's where i i get nervous with those points if they force you to trade them in for merchandise that you may or may not want i like money yeah it's like the old song i want money i do i want money i i don't want a certificate to go to barnes and noble or certificate to go to best buy i want cash because i want to know how much i'm getting i wonder how much it's worth and with that costco card at the end of the year i get cash shola i mean i get real cash and you know it's two percent back for all the costco purchases i make and then i get two percent on top of that as you know for using the costco visa card at costco so that's a lot of money it's your i got probably close to seven hundred dollars back at the end of the year and i only paid one hundred and twenty four the membership at costco i very nervous about points so i'm you know i'm not the only time i i worry about points is like hotels starwood or hired or whatever marriott because you can get free nights the hotel and i'll take that but only because they don't offer for money as an option i just want money i'm all about the money why do i actually load my costco card onto my phone so i'm getting the points through citibank.
"costco" Discussed on KKOB 770 AM
"But albuquerque costco in the news earlier this week for putting a sign up just to reaffirm their existing policy no dogs allowed no animals allowed except service animals in the sign also goes on to define service animal as any animal trained to do work or perform tasks for the benefit of an individual with a disability no dogs in the carts and then they also go on to say socalled therapy dogs are pets that provide emotional support wellbeing your comforter companionship are not recognized as service animals so we've been talking about dog for not that that makes costco dog unfriendly but we're talking about dog friendly businesses and whether you're a dog owner who loves to take your dog with you everywhere you go for the most part and if so what are some of your favorite dog friendly businesses here in the albuquerque area and is that often whether a business is officially dog friendly does that sometimes play a huge role in your spending decisions are you one of those people who gets irritated by dog owners who bring their dogs every single place they go plus we've been hearing some really good stories this hour as well from people who have worked in various stores at times and people and animals that have been brought in and some of the funny stories that have happened because of that two four three thirty three thirty three and how they dealt with it and one of the things we're hearing is that most businesses even if they're not dog friendly if someone brings a dog and they just sort of tolerated until they leave because they don't want to get involved in some sort of controversy but here is a list of the socalled top ten pet friendly restaurants in albuquerque this is a list from last year and one of the businesses on here has has closed or is not open right now so i'll skip over that one so we've got nine of them kelly's brew pub the grove nexus brewery restaurant slate street cafe flying star cafe all of those locations backstreet grill rock and brews and tractor brewing company most of the breweries in the albuquerque area are dog friendly.
"costco" Discussed on Forked Up: A Thug Kitchen Podcast
"Anyone's going to print out that email and submit as evidence you laughing man and i love that she shouts out kark lens costco's brand costco's house brand that's that's a costco plunk two episodes in a row they better sponsor moscow call us so the question is is coconut oil and just as bad for you as other oils coconut oil is one of the miracle foods at bloggers have promoted from beauty cooking to weight loss to bridging the evergrowing political divide in our country yeah i love that me and where it's like i pour coconut oil all over my life's problems coconut oil is touted as dislike miracle pixel yeah but let's common in the food and wellness space you know it's us iii berries go gee buries its medicinal mushroom turmeric ruining lot is you're you're not getting a medicinal dose of turmeric anyways don't get off on give me started on turmeric anyways coconut oil is popular and it's important to understand its downsides while touting its obvious benefits so this is a super simple answer coconut oil is a separated fat like no saturated fat is ever going to be considered good for you particularly if you have high cholesterol like just barn and a story game over that being said unlike other saturated fats you might be using coconut oil doesn't have a bunch of added ingredients you know like saw hydrogenated oils and all that kind of all that kind of weird shit sometimes it can be in like non dairy butters or you know you can't believe it's really good for you saying coconut oil is healthy can be misleading but in some ways it can be healthy or in moderation than other such rate fats that you might be used to basically the takeaway is use a bunch of different oils when you cook limit your saturated fat intake regardless of what you're using and if you really want to get to the bottom of it talk to your doctors or dietitians particularly if you've been diagnosed with high.
"costco" Discussed on Doughboys
"Yeah so i think i still gotta give it to little c we'll go little see gets seven and costco gets four wow cheeses up next cheese okay costco it goes both ways i don't think i doc the cheese for the look of it i got to go by taste on the cheese and they they really they really did a good job with that she slice that was and the pepperoni slice was also very good we talked a lot about the cheese one because that's what's unique to that place and i'm going to have to say that yeah we gotta give this one we gotta give this to costco costco gets costco is going to get a nine and a little see you should should've put more on there that's a six wow sauce sauce okay this one's easier little caesars gets a six and costco gets three dose trust dose less crust okay i loved the dough in the cheese beats of the deep dish that we had at at little caesars i think that was probably the best crust of the day yeah so i have to give it to them they did a good job on the crust of if they had just crisp the outside of a little bit more i really loved the consistency of the costco dodo though i feel like i get why that's a part of their thing we'll we'll rank them both hi let's do little caesars gets on eight and cost gets seven toppings toppings toppings toppings not enough pepperonis costco we talked about this a minute ago and it it i don't even need a lot of pepper ony but so i guess you know that's why doctorate appearance but will.
"costco" Discussed on Ologies
"No i have not to magin this a sweet old datsun covered in bees i did get a swarm call but this kind of has a very sad ending but the guy was at costco and a swarm landed on his car and he didn't know what to do so he went through car wash oh went through genn and the bees were still you know obviously a lot of them had come up but there was still some hanging on so he drove home it's like going on the freeway and the bees are still hanging on and he gets home and there's a sad comp of bees and then he calls us warm hotline all i got the call and i knew when i saw the description of it that it wasn't going to be good but i thought okay well this is i was like as like teaching opportunity so i went told me what happened just like my draws on the floor really guy this is this is really sad and he felt really awful when he realized had he called then yeah from the costco parking lot somebody would have shown up on gotten them and they would have been fine what kind of car was it a subsidiary on some sedan her level of raw disdain is honestly deeply endearing did the b did the queen bee somehow get caught in his sedan and followed know why they choose their their muster point i don't know what the criteria is but they happen to land there and maybe she had gotten stuck she's like death by camry.
"costco" Discussed on Nacht Beauty
"East and fix like it is it's downright uncomfortable it's like living in a ustr averting yeah i've never been it looks beautiful the water looks greatest beautiful so okay let's let me see what else i guy here okay brio geo i don't know why i just keep buying brio geo dino brio jia i don't have in front of me their hair products all and i got told the by the don't despair repair hair oil overnight i really liked it so then i bought their dry shampoo koolup was in here she talked about their scalp linked tea tree charcoal scalp staying i don't have that but i want it and then i recently which i'll talk about next my last sephora hall i bought the like protected so because i'm going to start trying to heat style my hair more i i you normally i've been i'm trying to civil beheira game yeah don't worry nash beauties or have it a hair brazil coming here king and a lot of emails were haven't hair people come in don't worry you use any hair care honey a mind of course everybody okay i have a couple of aamer brands i really like the jennifer aniston beauty blow my lordon heaven a google gore yeah she has living proof yes living proof i feel that that she makes good products i also like or obey was no on costco i cannot get over ruse costco business i just i've gotten the best shooter my life like i live i'm living my best life because of costco dot com and they don't have it in store they have it and it's easier because you're not like surrounded by people who have no spatial recognition yaas your car yes um you can see like i got my all the plaques is all blacks there are all blizzard calls go yeah twopack for thirty to ninety nine everybody arben uses heroin you do i died.
"costco" Discussed on Nacht Beauty
"And then we're both going to give like some like makeup skincare new year's resolutions and then jess is a cosco what is what does the word we used a few minutes ago i'm a fiend a no it wasn't feel a rhyme berry was something like cosco goddamn it no mom how do you lag all the time but in you you can be a costco cutie the amicus gochi yeah there you go and so that's something i don't know much about so we are going to go through all your devices all of the items that you get it at cosco i'm assuming very very good price yes what's the best return policy it's better the nordstroem och they're out of their day am minds do you think they take something back that was it from costco oh i don't think about no no no i don't ever had pulled out that great then i couldn't walk in with like you know like a shirt or some and be like i hate this gave him on them money they're like up it's not that good no it's not that guy and not that good good like eat like other seventeen ounce thing i've nuts and like just leave one ounce and nuts left and be like these weren't for me and they'd be like yep were taken at that she should now bad when i was really poor in my early twenties it was during the the writers strike in the business and 'cause i was making my living as a background artist at this point and i had no money although i did have a costco membership so figure that one out i was literally charging everything i was charging that my cable bill and all his it was a nightmare and i would go to costco and just eat the samples for lunch amine like that was my meal the because he was right is the burnt costco will run out right down the street from right now i know and that was during the fivedollar gas so the line to get gas was like down the street around the.