40 Burst results for "fifty thousand dollars"
House prepares to pass $1.9 trillion Covid relief bill, and Biden is expected to sign it this week
"The senate passing present. Biden's one point nine trillion dollar stimulus package over the weekend. It now heads to the house. And he'll have more joins us now with more on that. And she can also weigh in on oprah in the world of two as well. good morning. well angie. I didn't get a chance to watch the interview. Because i was so busy. Following all the ins and outs of this relief package as you would've now headed for. That's my drama. That's my job. The bill is now headed to a final vote in the house. After some last minute. Haggling in the senate over the weekend. Democratic senator joe manchin held up this process for nearly twelve hours as he pushed scale back that boost and jobless benefits the amount will now be three hundred dollars a week instead of four hundred dollars but the last one week longer ending on september the six in addition the first ten thousand two hundred dollars in benefits will be tax free for households. Earning less than one hundred and fifty thousand dollars a year. Now in the end democrats did hold the line. Pass the bill saturday afternoon. Republicans they also stuck together with every gop. Senator voting against it at the white house later. President biden acknowledged that the politics weren't always pretty but he said the relief was urgently needed. This plant puts us on a path to beating the virus. This plan gives those families who are struggling the most help and the breathing room. They need to get through this moment. This plan gives small businesses country. A fighting chance to survive at the house plans to vote on this package on tuesday. Guys i give the president plenty of time to sign this into law before there's unemployment benefits run out at the end of the week back to you Ilan well here. We have a deal here. We have a deal after all this time right. If the first time you get the check if when you start checking the mail for the check okay so i. The house does have to vote on. The president does have to sign it but right and said over the weekend that he expects the checks to be able to go out sometime later on this month what we saw in december once the last relief package was passed was that it took about a week for those first. Texas are hitting bank account so that seems like a realistic timeframe. it could take a little bit longer. If you're actually receiving a check in the mail though
Fresh update on "fifty thousand dollars" discussed on Quick News Daily Podcast
"Today is monday march eighth and thanks again for joining me today. We have a lot to get to including a couple smaller miscellaneous stories but the bigger stories are about the passage in the senate of biden. Covert relief bill. The new guidance on gathering from the cdc and biden's expansion of voting rights and call for even more permanent expansion of voting rights. But let's start right there with a pass of that. Covid stimulus bill in the senate on saturday night. I do need to preface this by saying it does have to pass the house again because there were some changes made by the senate so it's not passed into law just yet but we'll go for what this bill will include when it goes through the house and i'm going to try my best to sound like i'm not rattling off just a bunch of dollar amounts but there's a danger. It might sound like that but just bear with me. There might be something in there that would be useful for you. Your family someone. So for helping the unemployed it extends that three hundred dollars a week plus the state unemployment end it makes the first ten thousand two hundred dollars of that non taxable for households making less than a hundred and fifty thousand dollars it also fully funds cobra. Health insurance premiums so that employees who have been laid off can remain on their employer plan for free. There's also going to be another round of checks fourteen hundred dollars for a single taxpayer. Twenty eight hundred couples indy. Get fourteen hundred dollars per dependent now the starts to taper off at seventy five thousand for individuals or one hundred and fifty thousand dollars for couples ended completely gets phased out at eighty thousand dollars for a single tax payer and one hundred and sixty thousand dollars for a couple it gives state and local governments three hundred fifty billion dollars to cover expenses related to covid through twenty twenty four gives schools one hundred and thirty billion for k. Through twelve in forty billion dollars for colleges and that's to help them reopen safely so parents can get back to work for businesses. they'll be twenty five billion dollars going to restaurants and bars. This max out at ten million dollars per company in five million dollars per location additionally there will be seven point two five billion for the paycheck protection program once again forty. Six billion dollars will be going to state local and federal governments to help with testing and contact tracing as well as fourteen billion dollars to help speed up. The vaccine distribution for healthcare there will be financial assistance for aca affordable care act premiums and this is just looking to get the number of people covered by insurance to increase into further incentivize. The south to expand medicaid since they're sort of the holdouts town there. The republicans are blocking that there are also increases in tax breaks to parents who have kids up to three thousand dollars per kid if their age six to seventeen and thirty six hundred dollars per kid if they're under six years old and that spread out over the twelve months according to analysis this plus the fourteen hundred dollar check would cut the number of kids in poverty by more than half. In addition there's changes to the earned income tax credit for this year in extends to people without children. And if you're looking for how much that would be for low to moderate income folks. It'll be somewhere between five hundred and forty three dollars in one thousand five hundred and two dollars. Lastly in the rental and homeowner category it gives thirty billion dollars to help low income and unemployed folks afford rent and utilities and at the state level states and tribes get ten billion dollars per homeowners. So all in all. I think thing that really struck me. Was this tweet that i saw saying that. Isn't it kind of crazy. That biden asked for a one point nine trillion dollar stimulus deal and he got a one point nine trillion dollar stimulus deal like i think that makes biden a pretty good politician. One of the main criticisms of obama was at he started out by compromising with republicans and gave them the compromise offer in the first place instead of starting out high. You can't say that for biden so far in this could be a sign of good things to come but like. I said they're hoping that this gets signed into law by the end of the week after the house passes it sometime this week. So in terms of expanding the right to vote for people in america yesterday on the sixty fifth anniversary of bloody sunday in selma a key date in the civil rights movement biden signed an executive order that tries to increase voting access in a number of ways first of all it directs federal agencies to expand access to voter registration and election information ended includes directing heads of all federal agencies to submit a strategic plan to the white house within two hundred days on how their departments can promote voter registration and participation. Lastly it says that the us federal chief information officer will coordinate across federal agencies to improve or modernize federal websites and digital services that provide election voting information under the order. There are more specifics. On what this executive order does. But i don't wanna read off just another list so you can check that out. I posted about it on instagram and facebook. So i'll put the link in the episode description if you wanted actually check out the specifics of what that order does but in the video announcing this executive order biden also called for the senate to pass. Hr one which is the new voting rights act. Surprisingly passed the house last week. Already by a vote of two hundred twenty two hundred ten. It was straight along party lines so no. Republicans voted in favor of the new voting rights. Act i think that says a lot a quick update on a story from friday. It's about that overcharged situation that the independent monitor found in texas. The public utility commission chose to let the overcharged stand. So that means that they won't reverse that sixteen billion dollar charge the reasoning. The puc gave is that we only see the tip of the iceberg. And that going back to change things could possibly hurt towns townships etc. But i don't know the whole situation just seems like a mess. I really feel bad for anyone down there who has to pay for power electricity. It sounds like a really messed up. System will another thing to keep an eye out for on social media especially graham facebook feed is. It's been reported that russian intelligence is now spreading lies about co vaccines as well as disinformation about international organizations military conflicts protests. And just about any other divisive issue out there. The main outlets that they're using as fronts are ironically news front new eastern outlook and oriental review analysts are saying that they're trying to do this to promote their vaccine called sputnik so there specifically attacking the pfizer and moderna vaccines and speaking of covert some new guidance from the cdc today which actually really shocked me. Let's see what you think about it. The new guidance is fully vaccinated. People can meet indoors outdoors maskless without social distancing with anyone even unvaccinated. People.
A Look Inside The COVID-19 relief bill Passed By Senate
"The senate passed a one point nine trillion dollar covid nineteen relief. Bill here's what senate by elena abramson the senate on saturday afternoon narrowly passed a one point nine trillion dollar cove nineteen relief package a key milestone for president joe biden to ink his first legislative priority into law the avalanche of federal dollars which clock in at approximately nine percent of the country's gross domestic product includes fourteen hundred dollar checks for middle and lower income. Americans extend unemployment insurance through much of the summer and provides seventy billion dollars to increase vaccine distribution and coronavirus testing. The bill was passed entirely along party. Lines with all senate. Democrats supporting it and all republicans opposing. This nation has suffered too much for much. Too long biden said in remarks from the white house on saturday. Everything in this package is designed to relieve the suffering and to meet the most urgent needs of the nation and put us in a better position to prevail starting with beating this virus and vaccinating the country. The house which already passed version of the bill on february. twenty seventh is slated to vote on the amended. Text on tuesday before sending it to biden's desk so he can sign it into law. Here is a look at six major components of the bill direct payments for millions of americans under the senate plan individuals making up to seventy five thousand dollars in couples. Making up to one hundred. Fifty thousand dollars per year are eligible to receive a fourteen hundred dollar check individuals. Earning between seventy five thousand and eighty thousand dollars and couples. Earning between one hundred fifty thousand dollars. One hundred sixty thousand dollars will receive some of that money but not the full amount. The eligibility thresholds are a change from the house's initial version which kept the threshold at one hundred thousand dollars for individuals and two hundred thousand dollars for couples senate. Democrats lowered the eligibility for the stimulus checks to get all democrats onboard after resistance from some moderates in their party. The decision means that an estimated seventeen million americans who received a check under former president. Donald trump won't get one under biden. According to a study from a nonpartisan institute on taxation and economic policy biden said on saturday that the government will begin sending the checks to eligible americans. This month extended unemployment insurance current federal unemployment benefits. Which a lot an additional three hundred dollars per week on top of state benefits are set to expire on march fourteenth. The senate bill extends the program through september sixth at three hundred dollars per week for households. Earning under one hundred fifty thousand dollars. The first ten thousand two hundred dollars of the unemployment benefits are non taxable to prevent surprise billing at the end of the year. These were also changes from the house version of the bill which provided four hundred dollars per week through all twenty ninth. The reduction in unemployment insurance in the senate version was implemented to ensure moderate senator. Joe manchin a democrat from west. Virginia would not break with his party. According to a democratic aide expanded tax credits for families. The bill raises the child tax credit for most families in the coming year by one thousand dollars to three thousand dollars per child. It's even more for families with young children. Many can receive credit of three thousand six hundred dollars for each child under age six. All of these credits are fully refundable and some researchers say these measures could potentially help cut child poverty and half funding for state and local governments and public schools. The bill delivers a three hundred fifty billion dollar cash infusion to state and local governments and one hundred thirty billion dollars to elementary middle and high schools to help them reopen safely. Local budgets have faced steep declines in revenue as businesses remain shuttered during the pandemic last september. The brookings institute estimated that state and local revenues would decline by one hundred fifty five billion dollars in twenty twenty one hundred sixty seven billion dollars in twenty twenty one and one hundred forty five billion dollars in twenty twenty two. The money for schools is designed to help them improve their ventilation systems. Hire more janitors and reduced class sizes to conform with social distancing protocols. Democrats argued that this money was necessary to save public sector jobs and enable teachers and students to return to classrooms without risking their health. Republicans said that the funding already allocated through. Last year's relief bills was sufficient and that sending more money the state and local governments was superfluous relief for restaurants. The bill includes traditional fifty billion dollars in assistance for small businesses including more than seven billion dollars for the troubled payment protection program and a break from previous relief packages. This bill provides twenty eight point. Six billion dollars in grant relief specifically for restaurants which have been particularly decimated by the pandemic
Fresh update on "fifty thousand dollars" discussed on John and Ken on Demand
"Local chapters claimed no financial support That's a good one salaries they're gonna conventions and conferences speaking engagements. Yeah that's right. Yeah that's the fun part yeah. This is from december Ten local Black lives matter. Chapters issued should statement. They accused the national arm of providing little to no financial support despite millions of dollars that they've raked over the past five years And say see what looks black lives matter. Microsoft gave him two hundred fifty thousand dollars airbnb. Five hundred thousand of bisco. Five hundred thousand. They're all buying protection is what they're doing so they won't be targeted. This is this is what corporations do then virtually signaling for their image. We did it could take out a full page ad. Where a big donor. The according to details released by the global network they spent four and a half million dollars unconsolidated. It's travel and compensation rail. Yeah this is high speed rail travel and compensation for its staff four and a half million dollars while providing just three hundred twenty eight thousand dollars to outside groups like the local black lives matter chapters. Just three hundred twenty eight thousand. Yeah wow it's and this is just a very Article it skims. The surface here. Yeah allegedly the local coops to the ones that can give the direct help that people who need in the community. So that's what they should be giving the money to. but that's why you don't give money to groups. Tim conway is here erica. All right. we're going to get that straight one zero dr rakish. Sheri's coming on with us. He's got incredible story how he saved a woman's life. I'll give you. I'll give you a hand. It's his sister's life more than you did over the weekend. Oh that's true. I didn't say my sister's life over the weekend. I don't think i've ever say my sister's life if you saved anybody's life i saved Yeah i saved a when. I was skiing once when i was a kid. Those a runaway ski was aiming towards a school of by kids. taken preschool. Kids taking ski classes and i raced after skiing tackled it right before it hit those kids. One ski skate very killed the whole group you. How many ski ski people. If you save candle me write this down. I do not even twelve people from a burning lodge fish. Look i saved the guy casino. He was going to hit on an eighteen and i told him to stay safe. That's good hearts. Kristan carlos coming on to talk about the elliot's d. and then the la usd just got caught handing out a like an email or or text saying if you go on spring vacation. Don't send pictures of you and mod salon or or in canada or in france or whatever. It's a hard case to make that. The schools aren't safe and you're traveling around the world. That's a great point and then the big news is crozier's back that michael krozier.
Using Amazon Fulfillment to Grow Your eCommerce Business with Michael Begg
"A lot of people who listen to the show are small business owners. Many are Web savvy perhaps maybe even web developers so they can probably build their own e commerce. I'm guessing using commerce. That's generally popular platform. I mean it's like a quarter of e commerce sites commerce so If they are you know if we have a small business owner who wants to get into kind of selling stuff online Maybe their own products. Maybe not right because you demonstrated that it doesn't necessarily have to be your own products. What are some of the things that they should think about. As far as research goes As far as like researching what products they want to sell or you know just kind of understanding how the amazon platform works. Let's let's go with kind of how the amazon platform works rate We had previous upset about drop shipping talked about kind of researching products. But if you have tips you know that was two years ago now and not talk here and there. I know a lot of things have changed. I mean the amazon platform is pretty straightforward. Obviously the consumer customer side is a lot better build out than the actual seller side. You know there's a lot of pain points on the seller side. There's a lot of people get frustrated with amazon. Just part of the process amazon is bill to serve their customers not their sellers. Which is its own thing But anyway you sign up with a professional account cost about forty dollars a month from there you upload your listings you need to have. Upc bar codes for your products. Need to purchase those from a gs. One those are about ten acts like three hundred dollars so it's not that crazy from there you can list your products on the platform and amazon will pretty much handle the entire fulfilment side of the sales if you want to again. If you don't have your own warehouse you fulfillment team or you don't wanna be packaging hundred dollars a day to go ship out yourself amazon's great for that you know using amazon. Fbi you can send all your inventory right in. They'll distribute it across the country closest to the consumers that are gonna probably repurchasing your products and then as the orders come in. They'll handle the shipping mail. The customer service in any issues on that end so super helpful. If you are small business any don't have the capabilities to really deal with the fulfillment and customer service aspects. Yourself if you do. I mean that's great. You don't need to use fbi also florida's directly from your warehouse but fbi deafening. Get you a little more visibility on the platform definitely helps you stand out more. Get the prime badge which is another very big selling point when consumers are shopping on the platform and bats more or less the basic steward. I mean there's a lot of other a specific niche things that we could talk about. That can help you sell more. But just getting set up on the platform is pretty straightforward and following those processes. You can pretty much do it on yourself on your own. Yeah for sure. So the kind of use cases. I'm thinking through right. Now is maybe we have like a maker who's creating their own stuff Or we have somebody who's may be looking into drop shipping or or Retail arbitrage i. Okay somebody who's selling other people's products and it seems like i if i'm making something i can. I can basically send it to amazon for them to fulfil or i assume if i'm doing some If i'm buying someone else's product in bulk i can have them send it directly to amazon is i. Is that how it goes or do i need to do. I need to me then. Intended to amazon. Yeah i mean most of the time we're going to have it sent to yourself or you're going to be seeing yourself in person and then you're going to be sending it to amazon. That's probably about ninety percent. There are some people that will send it directly amazon for you but it's a little bit more difficult to find. I see it really doesn't matter what size business you are having employees. There's there's so much potential. Here on the platform declined. That was literally a one person operation to start with. It started working with us a couple years ago. She was doing about fifteen twenty thousand dollars a month in sales. And you know two years later. She's doing three hundred and fifty thousand dollars a month in sales and now she's actually being able to build a team i mean she's she's making significant revenue. She has a significant team to help her now. And that's just one example of how quickly you can grow on the platform. You know how much you can scale a business. Just through the amazon sales channel. Yeah that's great until and this is Kind of reason we're talking about. This is because as a freelancer as a small business owner. You worry about when you're one big client says we don't need you anymore right like we wanted. Diversify our income and so Selling through amazon is a good way. Now i suspect of the listeners. Like me Do more kind of digital products. You mentioned that. You started selling books on kindle. I wanna ask you about that in the members only show sure But in general amazon. We're talking mostly about physical products. Here right yeah. For the most part the kindle side is just one piece of amazon there's a royalty based business so you create a digital content. And you're making money forever. I mean books. I published eight years ago or still right review royalties every month. So yeah that's just one way to do it but You know physical product businesses are also pretty easy to build platform in not that challenging to do on. It's not a fulltime job. Do it on your own if you have a few products that you're selling so and that's fantastic because the fulfilment is the hardest part. I don't have room in my house to keep inventory right. I've got two kids now. So i don't know that they're toys r. Where my inventory would be Now now the other part of this is that you your personal path has led you to creating amc advisers and you have you say you're running a remote team of thirty right yes. So let's let's talk about kind of how you built that team and then how you moved to remote right as right now. Listeners can see this. Of course. But i'm looking at you in an office with multiple desk but you're by yourself. I assume because we're recording this in the midst of a pandemic yes that would be a good assumption. Actually kind of a funny process that we went through. I mean it started with Definitely working remotely and then coming into his office and now now we're remote again because of the pandemic. Yeah i mean as a business. We started growing. It was myself into other partners in the agency star way than we were handling a lot of things ourselves. We were able to get to about forty thousand dollars a month and grabbing you with us stanley which was nice. I mean that was like ninety percent margin so that was a nice little payday. Then we realized if we wanted to actually take you beyond this build. Something that had some equity value or or something that could provide an exit in the future We really need to build a business. Not just be doing freelance work again. If you're relying on a lot of clients a couple of big clients that are really bringing in revenue. We kind of were It's there's a lot of risk. Hang your business model that way. Just put it that way so we realized that we had to start scaling. We started using. Birds will assistance in the philippines So that was one aspect of our remote worth team. Obviously there's definitely challenges with that time zone. Being one of the big ones we as an agency. We need to respond to clients quickly. We need to provide good customer service in dealing with time zone. Differences created a lot of issues around that sometimes so we continue to grow and i actually came to guadalajara. Was where my girlfriend. Why i'm still here And as we continue to grow we need more people so we started hiring client facing people remotely in the us and content team people here in mexico so doing graphic design content writing Administrative stuff things like that now actually started hiring client facing people here in mexico as well so it's just been a process of scaling like that. Obviously march twenty twenty hits in that kind of all changes The other pandemic comes in. Now everyone's working remotely in mexico now. We have eighteen people completely remote and it was. It's obviously a big change. I mean i know it affects people differently By we had a great offer community prior to the pandemic it was great like how people we worked with really enjoyed. And now i know a lot of people are missing. Adding that interaction with everyone impervious ended up the same talking through slack for example. But it's one of the challenges that that most companies are facing.
Fresh update on "fifty thousand dollars" discussed on 1A
"Income tax credit expansion. There's an if you're struggling and on government programs there's an expansion of Foods food aid and women. Infant children program rental assistance. The list really does go on and on to help people who are struggling in this current economic environment because of the pandemic. We got this message from ma. On facebook says i read that by changing the eligibility requirement and the cutoffs for stimulus checks. Seventeen million families will lose access to these payments. Is this true if so how democrats justify it when many campaigned on vote for us and you get two thousand dollars lien explain a little bit more about about the cutoffs here and who loses access to these payments as a result. Yeah it is true. But there's a lot of democrats who didn't who didn't want the income cap to be reduced but this was one of the compromises that had to be made to get some of these moderate democrats on board to ensure passage of this bill especially in the senate. So how it was originally proposed is if you made one hundred ninety nine thousand dollars We'll let me just start back with the first bill Where the first direct stimulus checks if you made one hundred ninety nine thousand dollars or less. If you were a couple you would receive a few hundred dollars in a direct stimulus. check Because it would start to phase down after one hundred and fifty thousand dollars for a couple In the house version of this latest bill passed they phase. The phase out was actually more quick done more quickly than it was in the first koga bills. If you made two hundred thousand dollars you would get zero dollars hundred and nine nine thousand zero dollars now. What the senators did is they phased that out much quicker and if you make a hundred and sixty thousand dollars for a couple eighty thousand dollars as an individual one hundred twelve thousand dollars if you are head of household that is when the cap cuts off so these higher income people will not receive a stimulus check if you did last time so if you make one hundred and sixty one thousand dollars as a couple are excuse me one hundred one hundred and sixty one thousand dollars is a couple you will not get your stimulus check even know last time you did get a stimulus check and that was just the compromise that had to be made to make sure that all fifty senate democrats were on board and would pass this legislation circle back to something. We've got this tweet from jennifer who says when discussing the stimulus payments. No one ever mentioned the offer those filing head of household this fouling is what a lot of single parents use including myself leeann to say one more time what that cut off is for people filing head of household that cutoff is one hundred and twelve thousand. Five hundred dollars So that is head of household so and remember these stimulus. Checks also include dependence as well. It's fourteen hundred dollars not only for the parents or how head of household or the single adult but also for chill dependent children as well but it is one hundred and twelve thousand dollars for head of household for those single parents. Been the restaurant industry. got got some help in this package. There's a twenty eight point. Six billion dollar revitalization fund. Explain what that will go to the idea. There is that restaurants have been hit particularly hard by covid. A lot of them shut down particularly the smaller ones. That couldn't get access to a ppp fund. The small business rescue fund so that money is intended to really be targeted at smaller restaurants. That really Her got her badly and shut.
Senate Holds Longest Vote in History as Democrats Scramble To Save Relief Bill
"Was quite a bit of drama in the senate yesterday where democrats were sort of scrambling to make sure that they had the votes over unemployment benefits and what happened. I think shows right. The slim majority the democrats hold in the power of certain senators. Yeah i mean. Essentially democrats went to the floor and they didn't have the votes and that really rarely happens. Senator joe manchin of west virginia. He's a democrat was an entirely on board with the party's plan for these extended unemployment benefits and he was threatening to vote with republicans on a competing proposal. Dr rail the entire process for about twelve hours yesterday until they finally came up with deal to tweak unemployment benefits to shorten how long they're going to be available for about a month now a lot of republicans just as the benefits were too generous especially with the economy turning around and the mass availability of vaccines expected likely by early summer. The senate did make some significant changes to the version that the house passed. What were those. I think most notably they scrapped the house plan for a fifteen dollar federal minimum wage violated senate budget rules but also it just didn't have enough support among democrats in the senate to pass joe mansion and kirsten cinema arizona. Were both against it. They also tighten the income limits for those fourteen hundred dollar stimulus checks and they'll start phasing out for folks making over one hundred and fifty thousand dollars a year. They lowered the income threshold. The house bill was more generous and they also made those extended unemployment benefits less generous. They reduce the benefit from an additional four hundred dollars a week to three hundred dollars a week. And they're going to expire now just after labor day instead of the end of september. Do you want to know what the white house has signed off on all these changes that they don't have a problem with it and again. I think it's always important to remind people that the broader contours of this bill is. It's still two trillion dollars nearly in very popular democratic spending proposals. So it's also one of the largest standalone spending bills in history and i think democrats overall see. This is a pretty big victory. Those changes though do me in the house will have to vote again before this gets sent over to the white house for biden signature. When will that happen. it should happen next week. They wanna get this done and send it to president biden by march fourteenth because that's when current extended unemployment benefits expire. It should be able to pass the house leaders. There have been looped in on all these changes. They've been looped in with communications with the white house but there is some frustration among house democrats especially progressive democrats that the benefits in this bill. Were basically cut down because of other democrats new jersey congresswoman bonnie watson said that she was quote disgusted by some of her senate democratic colleagues. She questioned whether she could support the reworked version of the bill. I think that's important because house. Democrats have essentially no margin for error. They can only lose three votes on any party. Line vote and still have it passed so there could be some more drama next week Again bottom line from the democrats. I've talked to you. No one thinks the party itself is going to derail major-party legislation that the top priority for the president and also remember. This bill is hugely popular with the public in recent polling. It's not bipartisan in congress. But it is to voters. And that's a message. That biden has been pressing
Fresh update on "fifty thousand dollars" discussed on Boston Public Radio Podcast
"Financial fast michelle. It's great to talk to you. Still glad to be back. Thank you for having me. Michelle greater taught you to so your money. Expert jim or not but we were talking with our listeners in the previous segment segment jewish. Say how this is a really significant anti-poverty bill and that other callers for saying that because people blue-collar workers tend to spend money. It's going to be a huge boon to the economy. So you're an expert. What do you think is the impact of this one point. Nine trillion dollar stimulus both The lower income. You have the more likely you're going to have to spend this money on brit or your mortgage payment or food or all the things that you need to run your house. also clearly. That means that there's going to be more money in the economy if you're on the edge and you still have your job but you so eligible for these payments you're more likely to save it because unsure of your financial situation but i think the vast majority of people are going to be getting these payments are gonna spend it and spend it right away in fact they probably are behind on some things so there will be an infusion of cash into the economy which is gonna help everybody. So can we start with the begin talking to you about this in anticipation of something happening. The reminder adjustments in the senate in terms of who's eligible for the stimulus check How much money would be in the supplemental unemployment benefit down from four hundred to three hundred. Can we start with the stimulus. Who gets it. And who doesn't michelle single. Terry yes so basically you don't have to have any income to get the saint louis. Let's just start right there. So if you not bringing in money you're going to be eligible. There are income cap. So if you're are falling as an individual and you have to understand it's based on your adjusted gross income so lots of people are confused about that so it's your adjusted gross income which is basically your income after certain deductions. And so if you make seventy five thousand dollars or less you're entitled to the full fourteen hundred dollars if your head of household which typically is a single parents you The feeling is a hundred and twelve thousand. Five hundred dollars if you're a married couple. It's double the amount of for individuals which is a hundred and fifty thousand dollars this Third package differs is the phase out. So at what point do you not get any money. And so that's what's significant for a lot of people and so if you're an individual it's like after you've made like eighty thousand dollars and then for couples It's a double that so when sixty so basically after you make that kind of money you will not be eligible for a payment so you might have been eligible with the previous payments but not this one but michelle. My understanding is is another change is that who is a dependent in terms of the fourteen. Hundred dollars has been expanded pretty dramatically. Can you tell us about that. Yeah this is where it's really going to benefit of families with children so you're dependence and previous demos packages the dependence got far less than the first five hundred dollars in a second at six hundred for this one it's fourteen hundred for your dependence and what's also new is that and and i should to back up and they'll previous payment Stimulus payments Dependent with someone seventeen or young or younger than seventeen so really sixteen younger and so there were a lot of pants like wait a minute..
Biden, Dems prevail as Senate OKs $1.9T virus relief bill
"Senate. Democratic leaders have reached an agreement over unemployment benefits with moderate democratic senator joe manchin ending a nine hour. Standoff threatened to derail action on president biden's covert relief bill. The agreement would extend the existing three hundred dollar weekly unemployment benefit through september the sixth and it offers tax forgiveness and to ten thousand two hundred dollars in unemployment benefits for those who make less than one hundred and fifty thousand dollars a year in a statement released tonight. Senator manchin said we have reached a compromise that enables the economy to rebound quickly while also protecting those receiving unemployment benefits from being hit with unexpected tax bills. Next year joining us. Now on this breaking news democratic. Senator tim kaine of virginia he is a member of the senate budget committee. And the senate armed services committee senator. Kaine good to see you this evening on one hand. I'm not quite sure what what was happening. In the senate for nine hours on the other hand we have crossed an important hurdle at this point and are moving toward the passage of this bill. Tell me what is going on malley. You're right. I mean we've got fifty democratic senators and we need every one of their votes to get this bill which will do so much good for americans to president by his desk. Senator manchin hannah concern about the way the unemployment insurance benefits were structured. And he stuck to his guns and that concern was not my concern. I i really liked the bill as it came over from the house. I think we made it. Stronger of senator manchin needed some additional adjustments to get there. But now we're there and we're gonna rocket four and they're going to be dozens. Maybe hundreds of amendments that republicans will offer tonight and tomorrow but democrats. We have linked arms with president biden said. The american public needs this relief and they needed soon. And we're gonna stay at our desks and tell sometime over the weekend. We send this bill back to a house for a quick vote so the president by to get it next week four unexpected. It's obvious why so. Many americans support this bill. It's not actually a partisan thing it's money that people need in their pockets. It is overwhelmingly popular amongst americans. It is even supported by the majority of republican voters. What's going on. what's what's the reason for. Fifty republicans not voting in favor of this and by the way. No republicans voted in favor of it in the house alley. My my gut is this. I think they've made a strategic decision and remember just replay. The tape back to the beginning of the obama biden administration. They just sort of decided no matter what. The new president offers to rescue the american economy. We're going to be against it. I will say this. This is a bill. That is just chock full of of provisions that republicans have offered in past years. It's chock full of provisions that are desired by republican governors. And mayors as you point out it's full of provisions that are popular republican voters and when it's implemented it's gonna do enormous good for republicans and independents and democrats so they made a strategic decision. That and i can't put myself in their shoes about why they don't want to be four but will be able to bring the final bill out and show you. How much bipartisan Agreement there is this bill. The democrats are just riveted upon the fact. We're still ten million jobs down from where we were laying out here. We've lost five hundred thousand people. Were not out of the woods yet. We're not gonna go slow to go fast. Climb out of this crisis.
Fresh update on "fifty thousand dollars" discussed on Hearts Unleashed
"New goals when <Speech_Female> you reach new peaks <Speech_Female> celebrating <Speech_Female> yourself <Speech_Female> is utterly <Speech_Female> important <Speech_Female> and that <Speech_Female> might look like upgrading <Speech_Female> from dunkin. Donuts <Speech_Female> starbucks some days. <Speech_Female> That might look <Speech_Female> like going and get your nails <Speech_Female> done. My favorite <Speech_Female> celebration <Speech_Female> for success is. <Speech_Female> I like to buy <Speech_Female> a new shirt. <Speech_Female> I remember my first <Speech_Female> ten thousand dollar <Speech_Female> month. And i <Speech_Female> went and i bought <Speech_Female> a new shirt and so every <Speech_Female> time. I put that shirt on. <Speech_Female> I go this my ten thousand <Speech_Female> dollars shirt ray <Speech_Female> celebrating <Speech_Female> yourself <Speech_Female> and it doesn't <Speech_Female> have to break the bank. <Speech_Female> It might <Speech_Female> be the <Speech_Female> afternoon off <Speech_Female> cloak <Speech_Female> like what the hell <Speech_Female> ever but <Speech_Female> something. That is a <Speech_Female> true <Speech_Female> celebration <Speech_Female> of you. A true <Speech_Female> acknowledgement of <Speech_Female> you. I like to go <Speech_Female> get a bar dark chocolate <Speech_Female> to celebrate <Speech_Female> myself and not the <Speech_Female> whole bar at the same time <Speech_Female> but the it just <Speech_Female> these nice <Speech_Female> little and <Speech_Female> kind <Speech_Female> generous things <Speech_Female> that say <Speech_Female> it is safe <Speech_Female> to be successful. <Speech_Female> It is <Speech_Female> okay to be abundant. <Speech_Female> I have <Speech_Female> had to solidify <Speech_Female> this success <Speech_Female> in my subconscious. <Speech_Female> Mind year <Speech_Female> after year <Speech_Female> month. After <Speech_Female> monte better believe <Speech_Female> that when i was hitting <Speech_Female> consistent ten thousand <Speech_Female> dollar months that there <Speech_Female> was a part of me that <Silence> was afraid to tell others. <Speech_Female> <Speech_Female> And there's a part <Speech_Female> of me. That's afraid <Speech_Female> to tell people. <Speech_Female> I plan on having a a <Speech_Female> two hundred <Speech_Female> fifty thousand dollars a year <Speech_Female> or i plan <Speech_Female> on making a million. <Speech_Female> I plan on owning a <Speech_Female> two million dollar home. <Speech_Female> Like who you think you <Speech_Female> are sometimes. There's a <Speech_Female> scarcity <Speech_Female> conditioning. <Speech_Female> That i have <Speech_Female> that says life <Speech_Female> is supposed to be hard <Speech_Female> and the <Speech_Female> rich are greedy <Speech_Female> or evil <Speech_Female> and i've <Speech_Female> had to completely <Speech_Female> reconditioned <Speech_Female> myself <Speech_Female> to believe that <Speech_Female> it is kind <Speech_Female> generous. It is <Speech_Female> safe. It is allowed <Speech_Female> to be insanely <Speech_Female> successful. <Speech_Female> I want <Speech_Female> to serve in such <Speech_Female> a way. That <Speech_Female> i need resources <Speech_Female> in such a way <Speech_Female> that i am <Speech_Female> okay with being abundant <Speech_Female> but i have to also <Speech_Female> be very <Speech_Female> gentle with <Speech_Female> myself as <Speech_Female> i reach those new <Speech_Female> levels of success. <Speech_Female> And so you want <Speech_Female> to be very <Speech_Female> kind and gentle <Speech_Female> and celebratory <Speech_Female> with yourself <Speech_Female> you reaching <Speech_Female> for new levels <Speech_Female> of success that you may have <Speech_Female> never seen anyone in <Speech_Female> your real life <Speech_Female> attain <Speech_Female> that you <Speech_Female> may be the most <Speech_Female> successful person <Speech_Female> that you directly. <Speech_Female> No <Speech_Female> oh kay. <Speech_Female> And <Speech_Female> i'm gonna say one <Speech_Female> thing. If that is <Speech_Female> the truth it's time <Speech_Female> you meet some new people <Speech_Female> <Speech_Female> and that's actually <Speech_Female> part of celebrating <Speech_Female> yourself is allowing <Speech_Female> yourself <Speech_Female> to make <Speech_Female> friends with more successful <Speech_Female> people <Speech_Female> or get into <Speech_Female> new conversations <Speech_Female> get into <Speech_Female> new networks that <Speech_Female> support your big <Speech_Female> ass dreams you <Speech_Female> guys. I am here <Speech_Female> to support your big ashrams. <Speech_Female> I absolutely <Speech_Female> love you. <Speech_Female> Being successful <Speech_Female> is safe. <Speech_Female> Being successful <Speech_Female> is allowed <Speech_Female> being successful <Speech_Female> is your birthright <Speech_Female> and you better <Speech_Female> believe it and <Speech_Female> the more that you <Speech_Female> believe it and <Speech_Female> achieve it you make <Speech_Female> it safe <Speech_Female> for others. I need <Speech_Female> to know that <Speech_Female> you are <Speech_Female> paving a path <Speech_Female> for the people who <Speech_Female> only have ever dreamed <Speech_Female> and at the <Speech_Female> heart such as we are <Speech_Female> turning dreamers <Speech_Female> into doers. <Speech_Female> You all <Speech_Female> are that. <Speech_Female> I love getting <Speech_Female> to speak to you. <Speech_Female> But i'm not speaking <Speech_Female> to the people in <Speech_Female> your life you <Speech_Female> are. <Speech_Female> You are the walking <Speech_Female> talking example. <Speech_Female> That success <Speech_Female> is safe <Speech_Female> and allowed so <Speech_Female> go out and unleash <Speech_Female> your heart <Silence> and live it <Speech_Female> live <Speech_Female> <Advertisement> it love it <Speech_Music_Female> <Advertisement> and
Flood Insurance changes are on the way
"So we have a home that is not in a flood plain but we have flood insurance and so you may think i'm out of my mind but the deal is we live by two minor. Creeks they come together on our property and they continue enduring heavy rains which can occur in the spring. The creek can start to look like a pretty menacing thing. Thank goodness more than ten years. Living where we do we've had not even close to a flood in our house and we had anything it would just hit our basement. But because we're not in a flood plain in our risk is so exceedingly low. The premium is extremely low. A few hundred dollars a year and now our premiums after a reset coming later this year or almost certainly going down for our flood insurance because our risk profile is extremely low but the coverage i get is up to two hundred and fifty thousand dollars in reality for any damage only occurred to our basement. Then the coverage is essentially twenty-five thousand but again the premium is so low that in the extremely unlikely event that it would happen it would still be worth it. Krista we talked years about what happened to you. There was such a devastating personal and financial experience. When you're home suffered a major flood in two thousand nine. Yeah attack in your area. Ten thousand homes were heavily damaged or destroyed by those floods. And were in a situation with your home where you were in a flood plain but you had a relatively minor creek behind your home and if i remember crummy where i'm wrong. There were twenty two inches of rain and fifteen hours. Is that and then. The sewer backed up into the creek which was really another bonus and your house became. It looked like literally looked like a houseboat. And i remember you and your husband. Mike where on your tenth anniversary tram came back landed and i'm with you at the curb looking at your house. Is tears rolling down your face and you see water just going through your home and that was a brutal experience. The power of water is amazing. But i'll say i. I'm glad that happened to us. Ultimately for me personally only because i found how lucky i was and i had people like you and other people my life who were so good to us and we didn't know what the finances we're going to be like after but we were we were totally fine and Thank goodness had the means to get back in and And take care of things and then what did for me. Was you know when you have a flood. They take all the stuff out and then it gets thrown into dumpsters and everything you have to tear it apart. If you have the kind of damage we had and just seeing all that material stuff It didn't mean anything to me. There were just a couple of sentimental things that matter and so it's really changed my perspective in a positive way. Well that's why you're you that you looked at what was a brutal experience at that time where you were having trouble even sleeping and you now look canada's a positive event most people don't look at a flood is a positive life event and there are because of development patterns in urban and suburban areas of we so overwhelmingly urbanize all across the major metros of the country. We lose a lot of vegetation a lot of areas of tree cover. It increases the flooding risk. Then you layer on top of that. The issues from climate change in so we are seeing increasing flooding activity. And that's why a lot of homes that that may be in a position where yeah they're not gonna flood plain but there's a good possibility the your home could see an invasion of water even though it's not on the flood maps. This would be something you should look at. And see what kind of premium you'd face at fled smart dot gov
Obamacare would get a big (and quiet) overhaul in the Covid relief bill
"The covid nineteen relief bill. That passed the house on saturday and is now making its way through. The senate includes an expansion of the affordable care act health care legislation. It would be the first significant expansion of the aca also known as obamacare since it passed in two thousand ten white house correspondent marine groppy reports. This would primarily helped people in two ways. One is for the first time people who are making more than four times. The federal poverty level will become eligible for help paying their premiums so for example if a sixty four year old woman is making fifty thousand dollars. Right now she's not eligible for help but under the law for the next two years she could get subsidies that could make her premium dropped from about thirteen thousand dollars a year to just about five thousand dollars a year. Secondly people who make one hundred and fifty percent of the federal poverty line could get additional subsidy help they already qualify now but the extra help would allow them to buy plans without premiums that have much lower deductibles than what they can afford right. Now there's also incentives in the bill to For the twelve states that have not expanded medicaid under the aca to give them extra money in hopes that they will do so to cover people below poverty in their states who don't currently qualify for medicaid. These changes that are in. The bill are expected to stay in the question for whether they become law is whether the entire bill passes. It's not expect to get much. If any republican support. The democrats need to stay united in order to pass the legislation and get it to president biden's desk and these are provisions that he has promised he has supported and once in there and he's expected to sign the bill into law go relief plan which also includes fourteen hundred dollar checks too many americans and more could enter. Its final stretch on wednesday. Senators may begin. Twenty hours of debate on the measure. That's expected to come to a vote later in the week. Majority leader senator chuck schumer said tuesday. That democrats have sorted through disagreements and now have their eyes set on the deals. Final details senate. Democrats are committed to passing the american rescue plan to crush the virus. Recover our economy and deliver help to americans who need it the most. We're on track to send the american rescue plan to the president's desk before the expiration of the enhanced unemployment benefit which occurs on march fourteenth. I expect a hardy debate. I expect some late nights on the floor. The bill could become law as soon as next week
Houston Texans' Deshaun Watson Could Lose Millions if He Sits Out the 2021 Season
"Okay. Let's start our. Nfl news with shawn watson. This thing is getting uglier. Who is it ever so they just let him go all right now just break up. Well he's got the no trade he just can't okay so as it appears to shawn watson is never gonna play for houston again obviously and if as it is also appearing the texans. Do not trade to sean here. We go with a holdout right so different numbers have kind of come out. Regarding just a huge losses that watson would incur. Okay so we're gonna try to go through this piece by piece the full scope of these consequences if he exercises his right under the cba and not playing twenty twenty one. So i if the two thousand twenty one off season has a mandatory minicamp and if to sean skips it he will be popped with a fine in the amount of ninety three thousand dollars. K secondly if the sean skips training camp he'd be fined fifty thousand dollars a day. Okay so alleged. Day day day day with forty days in camp and six mandatory days off. That's thirty four. Days that sean would miss at a total fine of one point. Seven million bucks crews k. Thirdly sean would be finding amount of the regular season game check for each preseason game that he misses so at a base salary of ten point five. Four million bucks. That's about six hundred twenty thousand dollars a game. If as expected the twenty twenty one season has three preseason games. He would lose another one point. Eight six million bucks okay. So totaling up for the entire offseason including training camp and preseason to sean would incur just over three and a half million dollars in fines if he does not show up. Now if the sean then skips the season and if the nfl like they've been throwing around are going to be rolling seventeen games for the regular season. He'd lose another just over eleven million dollars in base salary on top of that calculators out guys because this is just racking up skipping the season would also allow houston to recover to sean signing bonus allocated for twenty twenty one. That's at five point. Four million bucks in money that he would have to basically just give right back so you do the math correctly. Skipping twenty twenty one would be total financial loss of over twenty million dollars for him
UFC Fight Night: Derrick Lewis demolishes Curtis Blaydes
"Let's go right into this thing. Let us discuss the heavyweight division in the ufc because it was on full display last week. It'll be on display this weekend as well and next month with the title on the line but let's focus on ufc vegas nineteen and derek lewis's incredible ferocious and absolutely vicious knockout of curtis blades. In the main event after a really strong opening round from curtis blades lewis delivers one of the nastiest knockout. You will ever see in the second round coming through with the biggest main event upset in the. Us's michael bisbee became. The ufc middleweight champion. A you have c. One ninety nine knocking out. Luke rocco network going to begin with you kind sir. Nice and easy your reaction to a massive win for derek lewis less than a week ago surprise. Surprise i guess is where i would start out. I picked curtis blades. I thought he would be able to at least take down. Derek lewis enough to win the fight and lo and behold. He didn't take him down at all. So that was probably actually the biggest surprise about the fight What wasn't surprising. That derek lewis after being down in the first round after losing that second round blades was doing really well on the feet. And then derek lewis just did what they're glues does. Big are uppercut. Is the fight so relatively shocking shocking result in the sense that derek one. I was fairly confident that blades. Who get it done. But not so not so surprising that derek lewis got another highlight reel nocco assay. We kind of got your instant reaction after the fight on saturday on the post by now you've talked about on the side but now they've had some time to let it all sink in and spoken about it on on different platforms. How big was this win. For derek lewis in the in the grand scheme of things that heavyweight. I mean anytime you win in the top five especially when the heavyweight title is only is within less than a month of your big victory. It's a big thing. I just think. Derek lewis is one of those fighters that he said it himself like the title is great but he's fighting for that paycheck. You got the bonus. You got bulbs paychecks. He's back taxes. Which is obviously still reeling from the massive blizzard. So i'm sure he's going to do great things with that. We saw what he did when the hurricane happened. Driving around saving people so For a normal fighter getting this big win on a big platform so close to not just the title fight probably another a contender fight with jazzy. No rose straight and cyril gone. They're going to be like. Oh this is great for my career. I'm looking at it from the perspective of derek. Lewis wear awesome. I got both of my paychecks and fifty thousand dollars more so yeah massive night for the black beast again. Prize fighters derek lewis through to be one of the most reliable prize fighters on the ufc roster. So yeah ten attempt forms across the board from the heavyweight contender to sort of build upon that jose. Is it time to look at derek. Lewis is not just a fun prizefighter but a serious threat to the title. It's not like he wasn't before but people always view. Derek is this you know fun. Follow on social media this hilarious guy this quote machine who can land knock on at any point of a fight as watch the sport at all outside of his fight weeks doesn't really care about titles but it seems like he's putting together now i know he's added some pieces to his team. You saw lauren. Murphy's husband joe in his corner who's excellent jujitsu coach in practitioner. His own right time to stop looking. Derek lewis as the funny guy with the with the best social media. Game outside of darren taylor. Moore is a legit threat to st bay francis and gado john jones. Whoever is in this division. I would say derek lewis has already the best twitter follow third. Darren tools jason lewis at this point. Because derek lewis is winning fighting and being funny darren till is only doing one of those things. So i i would say derek lows. Of course you have been taken seriously if he touches your jaw you have to take him seriously because you're probably not going to remember when after the referee pulls him off of you so i don't know the answer to this because we haven't seen we don't know we don't know that's like saying oh francis in who is putting together all of these this team to make him a complete fire. All of his fights are like less than two minutes long. So we just don't know for all we know. Derek lewis is the best gogo planet practitioner. It all of the ufc. We're just never going to see it because at the second touches you you die. So if you fight someone like steep bay That is obviously a master game. Planner i think that's better. That's that'll be a better gauge of derek. lewis skills. because we've seen him fight dan mccormick. Who is the definition of a complete mixed martial arts and that wasn't a great night for derek lewis. Yes he took that on like Real short notice to only a month after he got that beatdown he did win. Let's not forget volkov. Put it on their clothes until again. Derek lewis touched his jaw and killed a man on live television. So yeah i don't know. Tb all say. I know that's a cop out. But i don't think anyone knows i think everyone will agree with.
Amanda Cassar, Director of Wealth Planning Partners, on Running a Family Business
"Welcome again to that i typically. The podcast will even in family business. My name is susan brand scope. I am your highest of course and today we've got with us. The lovely man kazaa who earns two businesses wealth planning partners and trusted aide care services at the gulf coast. She's also currently the chair of the meanwhile around tyrosine really does keep yourself busy. And not just that. She has written a fabulous book called financial secrets revealed and of course ones one of the businesses as a family business with her two adult children and also has suspended working alongside her before that time when she first started she was also in business with her parents. I can't wait to hear some of the insights and learning all about working with your children and look working with your parents and how that sometimes pan out so welcome to the show man. That's lovely to have you with us. Thank you so much for having me. It's great to be here. What quite an amazing story. Now you've got to add all children and you system working with you all congratulations for that. Hanno on how did you family business get started. I ended up working for a friend of my father's out of high school. He back then was what you'd call a life or a life insurance agent Lowest in insurance and superannuation. And i became his secretary pretty much straight out of high school and not long into that. My father joined the business. He was what we'd call a fiery or foreign general insurance burqa said look. After business insurance house contents and cows well-traveled look after the law and superannuation so it sort of started becca generation before the children came along. That was before. I even had children and around that time i got married and was hitting off on my honeymoon so i tried my mom up to do a bit of mean answering defines while i was gone so mom and dad were in the business with my former employee treva and that was probably around ninety four when i got married and then the children came along ninety six and ninety eight. I did have a couple of years off to raise the babies and unite changed. The rate is at school and do all the mom stop. How bad on talk show. Which figured it wasn't actually very good at so went back to work and Did side the children is that were growing up. And i look. I've got his business. Trevor in the meantime has retied any seventies dad retired and moved on and took iva. Holly insult the financial planning saad and said to them. You know if you ever work in business. There's an opportunity for you to do that. Which they both promptly went. There is no way wherever working with you stay. My son went off to become a mechanic after school when to tried college. A my daughter Went to college and became a makeup specialist so that stage it was just may and Some others plotting away but eventually my son turned up one day and sit all have been thinking about doing my diploma of financial planning and i said oh you halfway through mechanic apprenticeship. Would you wanna do that. Oh it's not working out the way thought going to be dirty and fifty thousand dollars for the rest of my life cy. Maybe i should think about something else. So i said well i'd really love it if he could finish your apprenticeship But i don't have any issues with you. Stop studied starting study so we saw him outta studies diploma or financial. Planning and the next morning i received a fine coal. What are you doing mom so well. It's seven thirty on putting my face on like most think is often given my tools of vincent time and i'll let you knew that was going. He was softening the bar. He did said absolutely so then. He started hot talk with me while he was doing. His studies to in base roles like everybody swiping to flow is cleaning supplies washing up and starting on the fights and then yet my daughter eventually decided she coming into a bit of admin as well when my son decided he wanted to actually moving to the planning spicer yen the rest as they say is history
Seeking Refuge On The Open Road
"When we reached bob wells. He was camped out of the grid in his white. Gmc savannah van in the middle of the california desert. Some twenty five years into his experiment in mobile living. How did this whole journey start for you. What was your life like before you discovered this this lifestyle while i was either very very lucky or very unlucky depending on your point of view it was the winter of one thousand nine hundred five. Bob was living in anchorage alaska where he'd worked for over two decades in a union job at safeway saint job. His father had worked until his retirement. At the time bob was going through a divorce and after alimony and child support payments. He says he was no longer making enough to clear his rent. He was desperate and that is when he noticed old beat up box banned for sale on the side of the road for fifteen hundred dollars and he decided he had to go for it. That was all the money. I had left in the bank. But i had to have a place to live and so i bought it and That night through a backpacker. Sleeping bag. Down and i began my van dwelling adventure in the winter and the cold van and i That first night. I cried myself to sleep. I literally cried myself to sleep. Or when you're going through a divorce you you cry yourself to sleep on a pretty regular basis ends but sure just of course greatly compounded here. I was homeless bomb living in a van on the streets. And how much lower can my life get. But bob done a lot of camping in his life and you had to make a small space cozy and after a few weeks eat figured out how to cook and stay warm deal to bed and cabinets used his gym membership to shower. Figured out how to make it sustainable. And the money. He was saving on rent. Meant he didn't feel like he was always on the knife's edge it slowly and subtly shifted from. I despise my life to. This isn't really that bad to hey. Every month i keep the money and put it in my pocket to. I kind of really really liked this. And that's the way it's been every sense. Was it difficult at all to kind of switch. Grand narratives about What trajectory you're supposed to take as a productive member of the economy absolutely it was a traumatic transition you know. We are trained from birth to death. Our purpose in life is to be good productive citizens and so it made me question everything i had done. Exactly what society and told me to do. I'd gotten a job. I wanna house. We'd had kids. I was following the american dream to the best of my skill level and ability. As i could and then i was forced into living what society told me was the life of total failure homeless in the van and for the first time in my life i was happy well that raises a lot of existential questions and when i looked around at all the people i work with work eat sleep. Working sleep work. Eat sleep. I said what society told me it was not true. I've finally found a way. That's happy for me. Let me try to understand that. My life and for the life of others a few years later bob had saved up enough to quit his job at safeway and by supplementing his union pension with seasonal stints as a campground host. He was eventually able to take to the road as a full-time nomad in two thousand five about a decade. After he moved into the van. Bob decided to pay forward. Some of the techniques developed the started a website called cheap. Rv living the serve as a kind of resource for other people interested or in many cases forced to move into a vehicle. I started the sole intent of letting people know there wasn't on alternative. You didn't have to live under the tyranny of the marketplace and the way to do that was to eliminate your biggest cost in life. Which is your housing with cheaply. Live frugally and then you can live well for a long time the site just kinda mosey too long picking up you know few page views here and there in two thousand eight happened. Bob says in the wake of the financial crisis. He was inundated with desperate messages. Have lost my job. I we moved in with my family now. My family is lost their job. Now we're all losing our own. What are we going to do. And that was the question. I got over and over and over again. Even after the economic recovery started to pick up the number of inquiries and page views and people in the community continued to grow. Fueled partly by the rise of social media. Bob started his cheap. Rv living youtube channel in two thousand sixteen and has since become just one of many popular nomad influencers but unlike a lot of the glossier more glamorous content associated with the hashtag van live crowd. Bob's videos are all about helping people struggling to keep their head above water financially and they're filled with the nitty gritty details of living behind the wheel. Today we're gonna talk about heat today. We're gonna talk about taking showers. The topic of today is poop. You can cut your behinds. Not one of them. You want that thing to be clean all the time. Bob also does these little interview profiles of people living in different kinds of vehicles cars to trucks to buses. Welcome back fellow nomads. Today we're going. Meet a new friend of mine. Joe sale load everyone relax. They're really out. There doesn't look like there's a bunch of people out there. Yeah thank you that video for the record. Two point five million views and counting. Bob says his videos have become so popular that he's now making more money than ever before. I think eventually the second break but it gets great reviews on amazon which is why i'm recommending ads in affiliate marketing. Help him bring in over one hundred fifty thousand dollars a year. Bob makes enough to have two full time assistants helping him with his work and because he says he never plans to live in a house again. He makes a very healthy profit. I'm make much more money than i ever thought. I could possibly make in my life. And i live in a van. My expenses are pretty darn low with that extra money. Bob started a nonprofit homes on wheels alliance to support people transitioning into living in their vehicles. They've started to outfit and give vance to people in dire need of a new vehicle. And bob says he saving up to buy a plot of land for an in person resource center. It isn't clear how many people are living on the road at this point. But in two thousand ten when bob started this annual gathering van and car dwellers in the arizona desert called rubber tramp rendezvous it had a few dozen attendees by two thousand and nineteen. They had an estimated ten thousand people show up and as a central node in this growing community. Bob has had a kind of front row seat to the massive disruptions of the past decade. And he's watched as certain demographics have borne the brunt of those changes. It's a surprisingly large female. Contingent older women in their sixties and seventies. When they were girls they were told get married. Stay home raise a family and so they never go up so sturdy and then now they're living on five hundred to eight hundred dollars a month so skirt and he cannot live in this country on five hundred two thousand a month so sturdy and live in house and you just can't do it and so they all desperately needed the solution as well and i told them all. If you move into your plan you can live reasonably well on that. You won't be rich but you won't eating dog food and there's hope bob says he has seen an uptick in views and inquiries about van dwelling over the last year. But so far he says the stimulus checks and the nationwide moratorium on evictions have slowed. The number of new nomads. Still he says as the baby boomers continue to age into social security and as the effects of climate change intensify bob expects the movement towards van life to surge and he sees it is his mission to try to help however he can. I've got a string of lifeboats. And i want to get as many as i can into the lifeboat and i think the hammer blow of two thousand eight really put a crack in people's confidence and i think when you combine that with this cheers a natural disasters and the epidemic. I think people are just going to be abandoning the american dream in droves. That's all i'm trying to do is get people out
A new way to invest that doesn't involve buying stocks hyped on Reddit
"So lately. All the buzz his been about well. Bitcoin and other crypto currencies. Bitcoin recently fifty thousand dollars a bitcoin and people who've been buying the stocks that are being touted on read it and it was all that mess that went on with Game stop and other stocks. That went up like rockets and then like rockets can do crash back down to earth and my son is in this investing group at school. He's fifteen and they're investing not real money but they all have their stock portfolios and wanna read you to texts from him from this morning. They're really funny. Is said in the last nineteen minutes. My stock portfolio dropped by six sixty. Then he texts me eight minutes later and these eh. then it went up by eight hundred dollars. And i the other night. When he was trapped. In the car with me i started boring. I'm trying to talk about how my philosophies investing work very differently than matt worrying about day trading and options and all. That was going to happen up to the minute and if you thought a father could be more irrelevant to sun then i was that minute you you couldn't be no interest in anything i was saying because to him. This is sport and that's what investing has been of late call. Investing is really speculating. And that's not my thing. I mean i'm the dulles person alive and i invest in a dull way because the ideas i wanna make money over time and so. That's why i get excited about really accessible. Investing opportunities for small investors did allow you to build reasonable wealth over time instead of trying to get the quick score and my son's a sharp kid hill. Eventually get it and will not that. It matters what you're buying and selling minute by minute. And by the way he's asked me if he can have a real investing account. Will you know you'd have to have what's called a custodial said yeah yeah where where you were the pretend owner but i'm the one doing the investing and i don't know what to do you know. Give them a couple of hundred dollars and let him play. And maybe learn the value of term investing. But you know it fifteen. What is long term. That's like three days from now. It's hard to explain a concept where you build wealth over time well do you know goldman sachs is goldman sachs is for rich people like crista. People was massive amounts of money. Who work with a personal financial manager. Who handles their money for them. That's right krista. That's what you do with your millions. Yeah no no okay. So there are. There are very wealthy people. That's what they do and goldman sachs has been doing some stuff lately that doesn't fit at all their historical pedigree They're the ones that issue the apple card for people that have the apple credit card and they have Savings accounts and all that kind of thing with no minimums will now. They've launched some cold. Marcus invest which allows people to use goldman sachs incredible financial analysis investment analysis till build robo investing portfolios for you using very low cost funds. And this is something you would ask somebody. Ten years ago if goldman sachs would ever being looking to provide investments an investment advice to everyday ordinary. People they'd say you're crazy. That will never happen. Well they're not doing what fidelity investments does where a dollar is enough to open an account many cases schwab one hundred dollars. They're doing what vanguard. Does you have to have a thousand bucks to open an account but once you have that thousand you can get advice that is tailored to your personal financial goals and outlook. The money can be and a retirement account or an investment account use what are known is exchange traded funds. Etf's and typically for the advice and the investments you pay roughly a third of a percent per year for them to handle your money. So i guess ten thousand dollars be thirty five bucks a year. Is that right. I think that's about right. three dollars. Fifty cents on a thousand. I think that's right so this is an opportunity for you to do. Investing through the nation's big boys big money houses and their whole business plan is pretty similar to what you'd have if you were with Betterment or wealth front that really started this whole investing idea. And i'm sure neither of them are very happy the goldman sachs through. Marcus invest is playing in their ballpark.
How the pandemic is impacting Bay Area small businesses
"This episode is part of our series exploring covid nineteen impact on nonprofits and small businesses in the san francisco bay area back in april of twenty twenty when we decided to create this ongoing series on covid nineteen impact i or nonprofits and then on small businesses in the san francisco bay area. We like you had no idea how long the pandemic would go on. And what the health and economic impact would be in our community going into twenty twenty one. The pandemic is now killing more people shutting down more nonprofits and small businesses on with wiping out the livelihoods of families neighborhoods and communities. We will continue to shine a spotlight on the nonprofits and small businesses that make up the fabric of our community along with the founders and staff who are struggling to deal with the impact of the covid nineteen pandemic on their operations services is an ability until we can all get to the other side of the pandemic along the way we will also share with you all the amazing solutions that are nonprofits. Small businesses foundations and government leaders are working on to help us all get to the other side of the pandemic and come together to rebuild our communities with more economic social and environmental equality. What is very clear is that business owners are challenged right now in a way they never have been you know open close and indoors outdoors. You know p p what is it. What do i do with it. Who do i give it to so many challenges right now and our goal is to really help is many of these small businesses weather this storm so to speak as best we can and for that reason i like to encourage businesses to reach out to us especially work with a business advisor. This is the district director of the small business. Administration's san francisco district office julie. Cows over these ten plus months we have been sharing the voices of small businesses and covert nineteen s- devastating impact on their survival with the latest round of federal funds now being deployed we wondered host julie to help guide our listeners through the funding opportunities available to both nonprofits in small businesses. I'm joined remotely via zoom by julie. Cows the district director of the small business. Administration's san francisco district office. Thank you for being here. Julie thank you for the invitation. The sba is one of those government departments that for a lot of people. See it as a black box where it's going to require all these forms all this information i don't have so i think it would really be helpful if you could provide a background on the sba here in san francisco. That's the district to manage and how you work with small businesses and really now nonprofits. Absolutely i do think. There's a lot of preconceived notions about who. Spa is what they do and who we help. But we are a federal agency where an independent agency and our mission is to help. Businesses start and grow and continue to prosper. And we do that. Offering a variety of programs and services can kinda break those into four buckets as an easy way to talk about it. A so there's the access to capital bucket. Which may be where most known for but we actually have programs that go from microfinancing loans of fifty thousand dollars or less all the way on up through venture capital and then our bread and butter program kind of is our loan guarantee program which is loans through commercial lenders up to five million but we also have government contracting assistance so we help with federal certifications. We actually work behind the scenes with other agencies trying to get them to utilize small businesses as their contractors so we do a lot to help small businesses kind of break into federal contracting and be successful the third bucket we have is business advising free business counseling and low no cost training and honestly. I think this is probably the most invaluable service. Sba offers so through our network of grants resource providers. You may have heard small business development center score women business centres anna veteran business outreach center we provide free business advising and especially in this challenging times right now. This is an invaluable resource for businesses. You will never be charged for the advising services and you can talk about any issue that you have that's pressing or if you wanna strategize with somebody look at them as a visor to help you think about your future and how you weather the rest of this cova pandemic and then the fourth bucket which is kind of been a theme for the last year is our disaster assistance program. We typically will go in on declared disasters in provide financial support loans support to cover uninsured losses and to help with economic injury for small businesses and nonprofits that has now become kind of the focal point of the assistance. The covid recovery assistance for small businesses in nonprofits so as a district office. We're here to kind of administer. Some of these programs do some oversight but really warrant at grassroots level of sba engage with the community engage with our small businesses. And make sure that they are tapped into the resources that can benefit their business
Bitcoin surpasses $50,000 for first time as major companies jump into crypto
"The price of bitcoin briefly topped fifty thousand dollars for the first time yesterday doubling in value in less than two months. Here's our reporter caitlin off on one of the big factors driving the rally. We've seen a lot of companies that have started putting their faith in bitcoin. And saying we're going to start holding a little bit of it. We've seen institutional investors and asset managers. Say you know. Bitcoin's been around for more than ten years now. We think that it can actually have a use case in portfolios until we're going to get exposure to bitcoin if not by outright and you've also had trading platforms and also general apps like cap. Say we're going to let people actually hold and use cryptocurrencies. While until you've seen the option of it kind of abso- d- area of uses just become more and more common
Cost of a single Bitcoin exceeds $50,000 for first time
"The value of bitcoin continues to rise a new high for the digital currency bit coin rising above fifty thousand dollars for the first time in the past several months the price of bitcoin has soared nearly two hundred percent with more companies signalling they'll accept the new currency it's been a rocky ride though bitcoin fell back below forty nine thousand dollars after hitting the fifty K. mark Tuesday last week Tesla ramped up interest saying it was buying one point five billion dollars in bit coin and that it would soon be accepting the currency as payment for its cars then BNY Mellon followed and MasterCard says it will start supporting select crypto currencies on its network I'm Jackie Quinn
Bitcoin hits new record of $50,000
"Bitcoin crashed through fifty thousand dollars in the middle of the night. That's back down to forty eight or forty nine today but it for record high fifty thousand dollars so thanks government. I saw that. I expect their their contributions to bitcoin to continue helping me. Yes what did they do to bitcoin. Well they printed a bunch of money and made bitcoin a healthy alternative. That's constantly gaining value versus the us d- which is constantly losing value because they just keep printing more and more of it yet the more they crank up the printing presses for For the us dollar and other currencies around the world and they're all printing and they're all giving it a you know giving away to their buddies. That's just the way that that system works Bitcoin is completely independent from cryptocurrency. In general is independent from those money. Printers they don't have any control over it so they have no idea what the price of bitcoin is going to do. In relation to it like how far up it will go and they cannot stop it. That's an interesting way of looking at it. you know is value. Bitcoin actually up right now or is the value of us. T just that much down right now. I suspect it's a combination of the two. I because the other cryptos aren't rising at the same clip as bitcoin so bitcoin is much higher valued. I would say then. Probably the dollar is losing value. But that's a good thing for everybody holding bitcoin. Bitcoin cash got up to almost eight hundred dollars. If i remember correctly got up over seven hundred at the least yeah a lot of the alz. Is they call them. Have been having a pretty nice week
Is $50,000 BTC the Beginning of a Bitcoin Supercycle?
"What's going on guys. It is tuesday february sixteenth. And today we are talking about. You know it fifty thousand dollar bitcoin and specifically whether it's shows that we are in a bitcoin super cycle so i the news after a week or so of threatening the rubicon was breached this morning between seven forty five and eight am eastern time. Bitcoin punched up above fifty thousand. Now it immediately met cell wall and had a six hundred dollar candle down in is at the time of recording closer to forty nine thousand but to me that technical response is far less significant than these psychological barrier of a fifty thousand dollar being breached so today's special early breakdown is all about that. I reached out to followers this morning. Asking what topics you all thought were important for a fifty k. Show i also popped into a couple of different clubhouse chats to see what people were focused on and overwhelmingly across both of those mediums. The thing that people wanted to talk about is whether this is another indicator that we're in a bitcoin super cycle. I'm going to discuss this. It's going to be the main focus of the show. What the idea of a super cycle is where it came from what it might mean and some different ways to look at it but first let's blast through a few of the other topics folks wanted to disgust. Let's try to start with something that if not negative is sort of dismissive to be honest. It's kind of hard to find those bitcoin stomping face but here we are peter. Brant tweeted fifty. Thousand is a nice round number. That means absolutely nothing. Technically trying to sound smart just sound smart helps to define dumbness now. Let's contextualized. Peter is speaking to a trading audience and that trader audience are not supposed to in their own estimation get emotionally invested in an asset or let narrative shape. What they do. So let's give peter the benefit of the doubt and assume that that's who he's talking to however if he is truly arguing that technicals are all that matter about an asset. The easy rejoinder is that markets are by their very definition a constant give and take between narratives and technicals and frankly narratives tend to reshape the bounds that frame the upside and downside potential of those technical indicators either way for the sake of completeness i wanted to include something sort of negative but i think we can move on next. Let's discuss michael sailor. Just doing michael sailor things about five minutes before fifty thousand was breached. Sailor dropped a new press release from micro strategy long story. Short micro strategy is offering another six hundred million in debt and all the words of the press. Release our legalese. Except for this. Little line micro strategy intends to use the net proceeds from the sale of the notes to acquire additional bitcoins. Pomp summed it up perfectly when he tweeted. Michael sailor is carrying out one of the highest conviction investment thesis we've ever seen in public markets. Incredible to watch okay next. People are wondering how this happened. Or why will. I think the wise a little obvious. We saw an insane amount of positive news last week. Tesla b. and y. Mellon mastercard twitter. Deutsche bank morgan stanley. Every show for the last week has been about some type of crazy positive news. If you've been listening it's hard for that amount of positive news to not have an impact in other words. The specifics of win this fifty thousand dollar price was going to happen. Are for those technicals. That i was mentioning above to figure out but the overall momentum has clearly been in this direction. This actually gets me to another point. I was trying to articulate on twitter. We have this linear time bias. That when things happen quickly we tend to feel like that the thing that was before the you're comfortable with was the correct thing versus the new thing and the new change. That happened really fast. In other words. Bitcoin was between ten thousand. And fifteen thousand for a really long time so fifty thousand seems overvalued but what if instead based on what we now know. Bitcoin was in fact radically undervalued for that. Same ferry long time.
Student Loan Forgiveness: Democrats Debate How Much To Cancel
"Five million americans have student debt and president biden has promised to do something about that. He's proposed cancelling up to ten thousand dollars per borrwer. Democrats in congress are pushing for more though fifty thousand dollars per person. Here's npr's listen Joe biden has made it clear one point six trillion dollars in federal student. Debt is a problem but the question of how much of it to cancel is still on the table. Let's take a look at the plan. The president supports cancelling ten thousand dollars in debt per borrower or. Who have the lowest suit deaths are the ones who struggle the most adam. Looney is an economist. At the university of utah he says not all debt is the same borrowers who completed. A bachelor's often have higher debt burdens but are able to pay that debt back. The ones really struggling are the ones in default. When you're in default government can take your tax refund part of your paycheck when you get older. You can even lose part of your social security. Roughly eight million borrowers are in default and most of them have less than ten thousand dollars in debt. The amount that you borrow is largely dependent on how many years you will often students who drop out after a semester or a year or two just on accumulate very much dead. If you never got that degree you can't get a job to help pay off that debt. Looney argues that anything higher than ten thousand cancellation runs. The risk of awarding borrowers. Who don't need help. He points to research that shows thirty. Six percent of student debt is owned by the top twenty percent of income holders but income is different than wealth household was student debt. Tend to have the least amount of wealth. That's the value of all your assets minus debt. Now let's take a look at the plans to cancel fifty thousand dollars in student at senators elizabeth warren and chuck schumer among those behind. This idea. they say a more forgiving cancellation policy is also about racial justice. And would target gaps in wealth especially among black families. Black households are more likely to have student debt and more of it than white or latino families. The debt crisis in is dish. Proportionally impacting borrowers of color and communities of color. Black borrowers in particular ashleigh harrington the senior policy counsel at the center for responsible lending. So when we talk about cancelation we have to start their black borrowers. She says can struggle even if they get their degree. Thanks to racism. In the labor market more debt cancellation would give them a up. You have families were the color who have never been able to build wealth. They don't have intergenerational wealth fender having intergenerational deck many black and latino families missed out on ways to build wealth in the past like homeownership and job training programs due to racist policies researchers who study and talk to student. Loan borrowers say now student. Loan debt is thing. That's holding them back in a forthcoming report. The center for responsible lending black borrowers. Who would have all of their debts. Raced at fifty thousand was forgiven. Have median assets worth just seventy six thousand dollars in most cities. That's not even a house and of course there's the pandemic we are in the list of a crisis it and so we're for the place where count out. Inauguration gonna cut it regardless of the dollar figure most advocates. For cancelling say the thing that makes it so appealing is it can be done by the president through executive action without congress. President biden has long said he'd prefer to use legislation but in early february. The white house signaled it was willing to consider doing it with the flick of a pen.
"fifty thousand dollars" Discussed on Biz Talk Radio
"Not to exceed fifty thousand dollars. So at one hundred grand of account balance you can borrow fifty at two hundred grand you can borrow fifty five hundred grand borrow fifty. Now, you must repay the loan. And it must be repaid over a maximum of five years with at least quarterly instalments, but most companies are going to take the money out of your check every single month. And if you default. You get tagged with a big income tax Bill and penalties. If you're under fifty nine and a half. Now, usually while people are still working the companies taking the loan payments out of their check and everything's fine. But if the company goes into downsize mode, are you find another job or you quit? You get fired. You get laid off all of a sudden you find yourself with a big problem. And that is you'll have sixty days. And that's it. If you can't get that money put back in to the plan. Well, then say a sixty day period of time. And payback that loan you're going to have an ordinary income tax. It. Now, I've been criticized by many inside and outside the financial services industry because I have been a strong proponent of using 4._0._1._K loans to lower your other high interest rate debt. Sixteen eighteen twenty two percent credit card. Or maybe an automobile loan. That's that's killing you financially. Speaking. But you always must be prepared in the event. You lose your job. How you're gonna pay that thing back. Now, there.
"fifty thousand dollars" Discussed on Newsradio 950 WWJ
"Fifty thousand dollars that he says will go toward areas schools and religious groups with hopes the fair will draw some forty thousand people from the area Jackie page. WWW NewsRadio nine fifty. Stargate January seventh. Not many astronomical objects are also units of measurement. But one that is stands in the east at nightfall near the tip of one of the horns of Taurus the bull. You need a telescope to see the crab nebula because it's not very bright at visible wavelengths in xrays, though. It's one of the brightest objects in the sky. In fact, is x Ray brightness is defined as one crab the basic unit for the brightness of all x Ray targets. The nebula is the remnants of a supernova a massive star. That blasted itself to bits almost a millennium ago as seen from earth shock waves from the expanding debris heat gas and dust causing them to emit x rays. More xrays come from electrons that are spiraling through the powerful magnetic field generated by the stars. Dead core studying the xrays helps strana immerse piece together the history of the star. And the process of its destruction. They reveal the chemical composition of some of the stars debris, which was produced in the star itself and during its demise. And they help trace the magnetic field that weaves through the nebula. In fact, x-rays are important tools for studying many of the most powerful objects and events in the universe, which can reach temperatures of hundreds of millions of degrees. Hyder objects produce radiation at shorter wavelengths with the hottest producing the shortest wavelengths of all especially x-rays more about x Ray astronomy tomorrow. Starting w w j is made possible by Cranbrook institute of science metro Detroit explores the natural wonders of the universe through changing exhibits programs and planetarium shows. Now, a Bloomberg business report from the suburban Cadillac Buick. This this debt clicks may.
"fifty thousand dollars" Discussed on TalkRadio 630 KHOW
"Fifty thousand dollars. Word the word freedom from. If you live and work in city county in Denver like, I do I actually play Denver city income tax. And it's not even worth me trying to spend my time to get back at the end of the year. I forget what it is. I might pay one hundred and forty bucks or something and income tax in Denver. And I never tried to get it back because it's not worth the time and the effort my time's worth more than one hundred forty bucks an hour. And then probably take me two hours even using turbotax to fill out the forms to get the money back. I'll check this year and see if that's still true. So I've contributed to this free shuttle service if you've ever shopped in the city and county Denver, and you've paid a sales tax which you have. You're paying for this. It is not free. Why do we always say something is free when it is never free? Somebody has to pay the freight for this. And I don't know who I'm more upset with the the media that keeps touting this as a free service. Ford Motor Company that is actually taking two hundred fifty thousand dollars taxpayer money and using this to provide a free service because you know, Ford's not doing it for nothing. So there's gotta be a profit motive somewhere for Ford for the subsidiary afford to make some sort of money. Unless of course, I would guess I could argue that chariot might be a nonprofit arm of Ford Motor Company, and they're willing to take a loss because then they can write that lost their taxes. City government bills a service. Brandon city shuttle is a coveted solution to the first and last mile gaps. Those are the spaces between the bus train, stop, and your origin or destination. I have a suggestion. If you are using public transport transportation, which is already being subsidized by the taxpayers anyway. So when you pay your little whatever you paid ride the RTD, whether you right, you're riding a bus. You're writing the light rail, whatever you're writing, whatever, you're paying Garin rest assured, the rest of us are subsidizing the fair that you are paying. So you're not paying your full fare share. Remember, we're always hearing about people need to pay their fair share with all of you using light rail or RTD, you're not paying your fair share because the rest of us are subsidizing your fair. And then here's where other irritates me. If you are using RTD. And you can't get from the last bus, stop or RTD or light rail. Stop. And you can't get from there to your house or your home. What's called the last mile? Walk. Right. A bike. Call an Uber. Call a taxi. Why should we also subsidize your last mile, well, Michael? But Michael, I'm poor. I'm poor. I can't afford to go that last mile. Maybe just maybe. Did you get a bike? Maybe just maybe you walk. You know, there's some people hear stories about this all the time people that walk miles and miles to a job because they can't afford a car for a while until they walk because we're trying to save the money for a car or maybe they're trying to save up money to buy an RTD pass. I don't know..
"fifty thousand dollars" Discussed on Brown Chicken Brown Cow Podcast
"Twenty to fifty thousand dollars. Hormones tend to be a little cheaper, there's ways to do it, but in something that can be accumulative cost over the course of our lifetime. And so that can also get really expensive. You would said depending on where you live a great deal of this may be covered by insurance then. Yeah, that's one of the major changes that have happened probably in the last five to ten years that. The feeling has really been that patients who have the what the psychiatrist from gender dysphoric, but we not call gender incongruence. So it's a, it's a condition which their lives can't be happy. It's not a preference. It's not as better surgery. It's a critical surgeries, you know, for their life just as you might say, heart surgery or that cancer surveys or some other kind of surgery. And I think once we came to that realization, sort of naturally followed that these two should be covered. You know, this is something that's important to pay since that's important for their life and their wellbeing, and it's not just something that they're doing for fun or for other reasons. And then again, from that perspective, I think absolutely insurances should cover, and this is something that patients need to have done to feel that it's important to them. The way you described gender affirmation is very different than a lot of the way people. Conceive it, they think it's choice and you describe it, how would you, how would you explain that to somebody? How would you get that across to them that that's not a choice that it's an assessing. Somebody does somebody somebody that doesn't understand why someone would go through that. Yeah. I mean, they've been a lot of really good study showing that if you feel that your body is not your body creates a lot of psychiatric this is it's a depression anxiety and which in turn can have systemic problems, you know, leading to like hypertension or coronary disease and all of the body stress responses. So like it's clear that one, if you're healing that you're in the wrong body and that you have, you know this gender dysphoric or gender incongruent has major physical effects and to increasing. We sewn that these surgeries change. So the natural history or change the outcomes for these patients. So if you do the surgery, you know they're like psychiatric conditions, it's depression. Anxiety are Levy it substantially the medical conditions follow from these. Pencils, Kathy problems also Levy it'd I mean, in my mind, there's no question that this condition percents conditions, right word has like massive effects on the body, and it's something that's doctors we can fixed. So why shouldn't there too? Yeah, I'm I other Dhiraj. I'm just kind of stunned right now. It's just in a wonderful way of those points across, and they hope to listeners really take that to heart dress, not only in their own lives, but the people around them who are considering transgender becoming transitioning into a different gender as this is who they are not choice so it can cause other problems. We've seen it with suicide rates. We've seen him with being kicked out of homes and stuff like that. So losing friends and family over this is a big choice. Some people have to make a special convention states, but it goes across everything. I'm not gonna say anything more. This. Has been the Brown and Brown cow show. We'll be back just after a few minutes. We're going to start talking about age and gender reassignment surgeries or other JJ and gender major greasy and already learning. We'll.
"fifty thousand dollars" Discussed on NewsRadio 1080 KRLD
"Two hundred and fifty thousand dollars so if he had been in a car accident that day that have been his fault, everything would have been, gone, or, potentially, gone it, scared him so, much he, refused, to leave the. Offices until we helped him correct that through his insurance company and it was Was very easy to do and not only did we help them get the proper protection we showed him, how? To restructure it in such a way that it didn't cost him near as much? As, he thought he did so that's what we. Do with every single. One of our clients Keith I get that the issue here is is that you know people are thinking well what, do you guys do car. Insurance home owner's liabilities that what. We do for clients Nope no but, we analyzed that that's right you know we're, not we're not the world's, foremost experts in all the areas. Of your model because nobody can. Be an expert you need to have a team around? You and that's why we're we what. We call ourselves as the macro manager of our clients live now we're, experts in some areas of the model, some products that that we provide for our clients whether it's money management. Insurance different different insurance products alternative investments whatever may be but we covered the entirety or, the full gamut of what people are doing. Financially because it's super important. That they have all their TS crossed all their is dotted right what's important that people, need to understand And about the macro manager is. Our job is not to bring you and put you on the model and then help you fire every visor you have that would. Not be beneficial so what we do is utilizing the model we. Help, you analyze what the current advisors are, doing for you or, what you're doing, for, yourself in we're gonna find? Weaknesses or areas of your model that could create uncertainties down? The. Road, and our job is. To help. You eliminate, those uncertainties. Not to fire the people who may have created them so in many instances what surprises our newest clients. Are that we will sit down and help, you restructure and analyze what, an adviser is doing for you and then perhaps send you back. To that same adviser with some strategies and ideas, to make that process work better so the funny, part about all this, is, that as I'm sitting, in dopey, and for the, ones that have come off of the radio and thank you very much for meeting with us we appreciate your business and we appreciate working with you obviously the funny, part? Of a about all this is that They're, very very surprised I would say the scope and the The, maximum, association theory that we bring to them? Rather than just hey what's the newest latest and greatest product and that's what that's what I hear from most of the people that are either on the radio and TV, shows it's, what product are you going. To be able to you. Know put it in my. Life that's gonna make me success there is no such thing so let's help our. Listeners, kind of understand how we think about the protection area obviously maximum protection for the minimum cost is always what we think because we want to. Bring? In as much cost savings to our clients as, possible? Right so I don't know. The fifteen. Percent. Savings thing right you hear on. The, TV that's right you you need to be saving money obviously, you're not going to create wealth if you're not saving money and I like it. Back to the early days when we started working with computers and I remember taking some courses on doing some computer programming and I remember the phrase junk in junk out in the, idea being as if you didn't set up. That programming correctly you never going, to get, a good. Result same thing in your financial world That.
"fifty thousand dollars" Discussed on New Jersey 101.5
"Thousand dollars a year four hundred and fifty thousand dollars so he finally retires and he is released from the payments legally because he retired in two thousand ten was the agreement when he retired yeah stopped exactly years and years and years go by and morris county probation service that handles all this says that they just discovered that he had missed a payment and he says that's impossible that i missed a payment it was automatically taken out you never saw the money right he saying you guys are the ones who got the money yeah so if it's missing your fault not mine right he goes back through his records and sure enough the very final payout that was supposed to be paid out was twelve hundred and fifty dollars on november thirtieth twenty ten that was the final payment it was taken from his wages and he's now saying they are insisting that i must pay again and are threatening with court action for this oh for the payment and outstanding interest on the money all the way back for eight years and a lean on top of that he prints out his records he goes in person he shows them all this they say yep yep that was definitely taken out but she never got the money so you have to pay again he says no no no i never got the money if she never got the money and it came out of my check that means a went through your hands you guys didn't pay not nothing to do with me and they said that you have to pay he says i already paid it and this goes on and on like this this actually was in this bamboozled column which ends with reviewed a letter from probation the court order ending the alimony payments in two thousand ten indeed it shows the twelve hundred and fifty was garnish we reach out to the court sharing the evidence to see if it could free this guy from the payment a few days later he finally gets a phone call was one of the employees ease and it was not encouraging according to the man she denied that she or any colleagues ever told me i would still have to still pay the lost alimony payments again irrespective of the evidence of my pay stub but the employees also said that without a new order acknowledgement the missing payment would remain on his record as if he's like some deadbeat all very confusing crap but all i know is when i got to the point in that story early on when it was four hundred fifty thousand dollars all i could think is why do we even still have alimony especially for that length of time fifteen years of alimony and she couldn't find a job exactly fifteen years and this is one of the lucky guys there are some cases still on the books that its lifetime alimony is bill said even once you're retired you still have to keep paying even if you got a pension you have to give her half and then still pay more off of your hat where she's making more than you are from from job you had all these years and you know i think in very rare cases the only cases i could see alimony making senses if the woman were disabled and unable to work and you knew this either going in or for a long long part of the marriage before the divorce if the circumstances were you know a very very old marriage where they had always agreed that she would never ever work and they were together fifty years say you know like a couple of almost eighty and then they get divorced i can understand that but for the average divorce case in new jersey those aren't the averages and the average divorce case the woman is perfectly capable of working and it's basically babying woman to say that she needs alimony it's treating women like children to say that there should be any sort of long term alimony so we wanna know do you think long term alimony should even exist anymore and who has what guys or women have a horror story about alimony one eight hundred two eight three one zero one point five three eighteen here's new jersey fast traffic heads up of your.
"fifty thousand dollars" Discussed on KCBS All News
"Hundred fifty thousand dollars two months later ten republican agee's wrote this letter to the trump administration calling for a federal ban on online gambling adolescents biggest competition where we are gun know we we met bill newton neta very different kind of conference for state based consumer advocates in the basement of a dc hotel newton doesn't have corporate cash here's what happens when he wants to meet with his state ag florida's pam bondi your only option is to fill out a form on the website and click submit if that happened anything happens it's not just the republicans democratic agee's are courted by trial lawyers and lobbyists to wet more modest receptions like this one in washington dc marquette university's all no let they're not just giving money out of charity they're expecting something out of this both sides dispute that ragas tell cbs news it quote has been successful in supporting candidates that will defend the rule of law republican attorneys general have this mindset and that's what drives their actions nothing else these agee's do a lot more than just decide who to prosecute and who to ignore they can have a big influence on policy at the state level and if they band together at the federal level and of course there are limits on how much these companies can give an individual politician but there's no limit on how much they can give an association like ragas and depending on the state some of these agencies don't even have to report the fancy trips or how much they cost nancy cortes reporting tonight we'll update the bay bridge snafu in the mess in emoryville that's causing all traffic is on the way kcbs news time eleven thirty.
"fifty thousand dollars" Discussed on BizTalk Radio
"She put in fifty thousand dollars because that's very typical fifty and one hundred are the two most common amounts more hundreds and fifties but that's okay and so she probably had if she was getting thirty six hundred a month that's forty three thousand so that's eighty six thousand so she probably had a death benefit eighty six thousand dollars so here she put in fifty could get that back anytime she needed it was liquid available to her if she changed her mind or be needed it for or part of it for some other reason we really see very rarely see people actually just solve it you know they they might take a little bit out and put it back but anyway but she could and then the death benefit would have been eighty six thousand dollars that means that what she put it in and if if six months later she suffered a massive stroke and passed away that fifty thousand dollars would've turned into eighty six or gone to her heirs tax free that's not a bad thing she posted away stroke is exactly and that's what we're talking about here so so so so that was fine and she really she had a history of years with not using that account or anything so that worked out but knowing that but knowing that the eighty six thousand would be would be worth for long term care eighty six thousand twice over additionally which is two hundred and forty fifty thousand eighty six thousand types three times three hundred rafter two hundred so when she put the to the fifty thousand dollars in she knew that she would get that fifty that eighty six thousand was the death benefit she would be able to draw that out over two years which came out of the thirty six thousand six hundred dollars a month and any of that that she didn't use would go to her air so she's bad sixty thousand of it twenty thousand would be leftover for now all of this tax free yeah now she could run through the whole thing and more besides as the insurance company digs now if they don't get any that's not true what was that true.
"fifty thousand dollars" Discussed on 710 WOR
"Hundred and fifty thousand dollars would pay an additional twenty five hundred dollars per year in taxes those with homes weren't five hundred thousand would pay an additional five thousand dollars a year those with home's worth one million dollars would pay an additional ten thousand a year for thirty years on top of existing taxes further more you would not be able to escape this by selling your house and leaving you know why you're not gonna be able to sell your house nobody's gonna buy your house in chicago with this kind of taxation on it and the people that that come up with these rules this this is the reasoning from the federal reserve bank of chicago new taxes would not affect people thinking of moving to eleanor while they would have to pay higher property taxes that would be offset by not having to pay as much for their new homes in addition current homeowners would not be able to avoid the new tax by selling their homes and moving because home prices should reflect the new tax burden quickly in other words they fully expect the value of you in chicago illinois who own your home's the value of those homes to plummet with the application of these new property taxes so people arriving in the state are going to be able to afford your house because you're going to have to practically give it away which means you're going to lose every bit of equity and wealth you have in your house if you try to sell it and leave current homeowners would not be able to avoid the new tax by selling their homes and moving because home prices should reflect the new tax burden that means nobody's gonna wanna buy they are admitting they're admitting that the dynamic results of this is going to be to destroy the eleanor housing market but that they have to do it to come up with some money to help fund underfunded pensions so in other words they're just gonna confiscate wealth from current homeowners because they will pay whether they stay or not through an immediate reduction in home value this proposed tax will only address five state pensions there are six hundred and fifty other tensions in illinois particularly those who overlap jurisdictions in chicago which grossly underfunded.
"fifty thousand dollars" Discussed on WGIR-AM
"Hundred and fifty thousand dollars would pay an additional twenty five hundred dollars per year in taxes those with homes weren't five hundred thousand would pay an additional five thousand dollars a year those with home's worth one million dollars would pay an additional ten thousand a year for thirty years on top of existing taxes further more you would not be able to escape this by selling your house and leaving you know why you're not gonna be able to sell your house nobody's gonna buy your house in chicago with this kind of taxation on it and the people that that come up with these rules this this is the reasoning from the federal reserve bank of chicago new taxes would not affect people thinking of moving to illinois while they would have to pay higher property taxes that would be offset by not having to pay as much for their new homes in addition current homeowners would not be able to avoid the new tax by selling their homes and moving because home prices should reflect the new tax burden quickly in other words they fully expect the value of you in chicago illinois who own your home's value of those homes to plummet with the application of these new property taxes so people arriving in the state are going to be able to afford your house because you're going to have to practically give it away which means you're going to lose every bit of equity and wealth you have in your house if you try to sell it and leave current homeowners would not be able to avoid the new tax by selling their homes and moving because home prices should reflect the new tax burden that means nobody's gonna wanna buy they are admitting they're admitting that the dynamic results of this is going to be to destroy the eleanor housing market but that they have to do it to come up with some money to help fund underfunded pensions so in other words they're just gonna confiscate wealth from current homeowners because they will pay whether they stay or not through an immediate reduction in home value this proposed tax will only address five state pensions there are six hundred and fifty other pensions in illinois particularly those who overlap jurisdictions in chicago which are grossly underfunded.
"fifty thousand dollars" Discussed on Dumb People Town
"Zayn pile of pasta on lasagna night and a team os that she got squirted stuff on her hand and cannot go to work a couple of months she is suing for fifty thousand dollars yes those double jason fifty thousand it also kind of feels like she'll settle like it's enough amount where you're gonna settle at my at my over twentyfive she should settle for like free pasta for life that's bottomless breads or where to put your goddamn hand when you're or a an oven mitt like they should learn how to evaluate a situation this looks hot yeah i mean i'm sure smoke was coming out of it you dummy if it judgment if it was that hot there definitely was like smoke coming this is all her again we are far as we know dude right there is no way it wasn't also why do you just stick a fork into lasagna you trying to take the top layer fan dummy this is it you take a knife knife and a fork scenarios yeah all right there you go that's a many guys that's a many guys school yeah old school many i actually like it we should just throw these in every once in a while because it is fun just to the three of us agreed we have great guests coming up by the way sarah silverman i believe next week so check that out and guys rate and review this podcast we can always keep going up higher come see us in chicago and in oklahoma west silence springs cherokee casino on the fifth of may and the fourth is in chicago yet north bar get your tickets now because those shows are selling it we are close to those shows that i want to tell people to because people would hit us up i think they will be able to release some tickets that day of for the podcast right if you missed out on that come to the standard shift susan it'd be so much fun and we'll probably do a little people town something fun and they'll they'll be three of us will throw in something fun for you if you get shut out of the podcast for sure.
"fifty thousand dollars" Discussed on BizTalk Radio
"She put in fifty thousand dollars because that's very typical fifty and one hundred are the two most common amounts more hundreds and fifties but that's okay and so she probably had said she was getting thirty six hundred a month that's thousands so that's eighty six thousand so she probably had a death benefit of eighty six thousand dollars so here she put in fifty could get that back anytime she needed it was liquid available to her if she changed her mind or be needed for part of it for some other reason we really see very rarely see people actually solve it you know they they might take a little bit out and put it back but anyway but she could and then the death benefit would have been eighty six thousand dollars that means that what she put it in and if if six months later she suffered a massive stroke and passed away that fifty thousand dollars would've turned into eighty six and gone to her heirs tax free right that's not a bad thing away a stroke is exactly and that's what we're talking about here so so so so that was fine and she really had a history of years with not using that account or anything so that worked out but knowing that but knowing that the eighty six thousand would be would be worth for long term care eighty six thousand twice over additionally which is two hundred and forty fifty thousand eighty six thousand types three times three hundred and fifty roughly two hundred so when she put the to the fifty thousand dollars in she knew that she would get that fifty that eighty six thousand was the death benefit she would be able to draw that out over two years which came out to the thirty six thousand six hundred dollars a month and any of that that she didn't use would go to her air so if she spent sixty thousand of it twenty thousand would be leftover for her heirs now all of this tax free yeah now she could run through the whole thing and more besides as the insurance company digs now if that's the case the that's.
"fifty thousand dollars" Discussed on WBZ NewsRadio 1030
"Hundred and fifty thousand dollars we can very reasonably expect that overtime and not won't probably take all that much time we'll see this cost drop rather dramatically so yes we agree with warren buffett that future generations standard of living is going to be better than prior generations standard of living which has been the case with pretty much every generation throughout tie but there is a bit of bad news a little bit of contradiction to warren buffett's message and it comes from a new survey from td ameritrade they surveyed members of gen acts that you that's my enemies and these are people ages thirty nine to fifty three these are the children of baby boomers and the genetics generation according to td ameritrade thirty seven percent of them that's more than one out of three will never be able to afford to retire uh and ballet forty three percent of them admit that they are behind in their savings forty nine percent of them are worried they're going to run out of money if they stopped work and two out of ten of them say they aren't doing anything right now to save for the future that is really really scary and and think about all said these are the generation of people whose parents are the boomers they're going to be meeting k her here in the future they're gonna be needing help so don't put yourself in the position where you can't even afford your own lifestyle 'cause.
"fifty thousand dollars" Discussed on KTTH 770AM
"And fifty thousand dollars which is interesting because an area like seattle and belbey in puget sound a lot of houses of course that's kind of a starter home price and so that will affect a lot of people here won't affect people in most of the country but again california washington new york places where prices are higher that's definitely going to affect them there one interesting thing i noted when this was going through the political ramifications of this donald trump did not in the republicans did not do well in states like new york and california will which of the ones that guy hammered the most in the item i see the actions new york and california si edge father kind of interesting that i think there's a little political targeting going on there but uh swelled opinion on that could we also talked about not just acquisition debt but refinanced it yeah in the past um you could deduct debt on refinance up two hundred thousand dollars that is now gone so if you get a second mortgage or refinance dead lines of credit what we're saying here is that a good direction on the interest may be gone it's so there's in me some planning around getting mortgages now i think we didn't have before yeah and also really keeping track of the sources of the debt in order to do the tax return yeah that's another thing i used to be it is add up all your mortgage interest and it was real simple you put it on their and generally you got it now we're gonna have to track sources as it acquisition desert refinance debt forgot to break it down some deductible some is not so that is not simplification right there i a guarantee that i have a miscellaneous itemised deductions any changes there yeah those are now all gone no more none of those what if some.
"fifty thousand dollars" Discussed on The Renegade Republican with Dan Bongino
"Folks fifty thousand dollars a year the percentage of his income at two million dollars is dramatically lower than the seven point five percent of your total income that a middleclass guys pay for this same stuff do you get the point when you tax that stuff so when you tax said snubbed joe you are to percentagewise not not nominal mom percentagewise you are hurting middleclass people because they consume more as a percentage of their income than rich people do that's the point that's how the europeans of is that makes sense show britsh people and middleclass people both eat they both house themselves and they all have cars but but the percentage of their income spent on that stuff for middleclass people is far more so when you tax that stuff using a vat you suck middleclass college try that's how the europeans by sucking middleclass wild dry pay for free healthcare and yet rice continues to insist that somehow rich people are paying enough in the united states despite the fact that if he wanted to institute a very system is espousing free healthcare it's not the rich people that are going to pay more it's hugh you're gonna get screwed but again don't let you know liberal fairytales ever get in the way the truth folks the fund shout ahead again thank you again for great week folks i really enjoyed doing this your beat a lot to me in a very serious note so thanks for tuning please go to budge you know that cobb subscribe to my email us thus suddenly these articles and i will see all on monday think his third dan bongino jio get more of them online anytime at conservative review done coma you can also get dan's podcastone i tunes or soundcloud and followed in on twitter 247 at d bongino.
"fifty thousand dollars" Discussed on WDTK The Patriot
"On the house for fifty thousand dollars i need debt of seventy thousand dollars so what i'll do is uh i'll take back a note for seventy thousand dollars and i'll take in paid fifty thousand dollar debt so there's a twenty thousand dollar difference in their so we have this wrapper on mortgage a covers both mortgages and iot you the seventy thousand dollars i'll pay you the note on the sabbath day you take the money from the seventy obey the fifty and it will go on down the road until these these notes pay off so i started doing that you know and people started losing money people got ripped off both of the buyers the sellers the noteholders everybody started taking measure everybody else got to be really nasty dirty business then they started this thing in this got to be another big it was uh owner finance notes so i'll buy you this house at us all by this house are to round sell it to you the tenet on either a leasepurchase agreement or contract for deed now on a leasepurchase agreement would basically said is your pettitte into you elect to be a buyer once you like to be a buyer some portion either zero or some other amount up to some point would be considered your downpayment monies that have been paid from your security deposit end or your rents would be considered you downpayment and then you would just go ahead and get a note for the difference neither go that get a note or maybe i would want to finance the note for you all that type of a deal and a lot of that stuff got done but the problem with that is that the people buying homes actually thought they own homes but they didn't they were still just tenets and so whenever the landlord wanted to get rid of him he just get rid of them at all that would go away or what would happen is a landlord might lose the house foreclosure for not making the payments and the people who've been paying on for years thinking there were going to buy it ended up with no house it was gone uh that's a leasepurchase agreement next thing was called a contract for deed where you'd literally sign a cadre actually if i pay you 100 and twenty pain twitter ten years twelve times a year for.
"fifty thousand dollars" Discussed on KVNT Valley News Talk
"I'm thinking about the word that i i just did an an and some new projects that armed i'm going to be doing in the near future and i'm gonna tell you right now there's no way that's that's just way off the charts and i think that's the point of the guy who built it look what i can do for five fifty and it's if it's not you know that's not going to work he understands okay but the point is even if you even if you just heavily inflated that of five grand and you will you and and we even took it to ten so you're you've increase the cost of a 20fold yeah still doesn't touch the low bid of 65 grand that it would take to build that if the government will the government i won't say the wasn't the low bid that was the government estimate between sixty five and a hundred and fifty thousand dollars right to to complete it yeah between sixty five and a hundred and fifty thousand dollars for the construction of those particular of of stairs and so it just it shows you what happens and we've talked a lot about private sector verses government we have talked about old over and over again and especially with healthcare this week is very important to bring this up on an on on healthcare why the public and more and more republicans now believing that more government involvement more of a monopoly control over the product and services of health care does a better job bob than the private sector when it's proven a i've always said look at everything around you right now everything in your home wherever you are right now if you're just waking up in your bedroom look at every single thing and i mean every single thing the sheets address or the clock the lights the walls the curtains anything that your brain when you're scanning right now you're looking right not every single thing there was made in the private market in order to make a profit and you're basically satisfied with the stuff that you have for the most part people are very happy with the things that they buy that they can choose to do it but in healthcare we believe that a monopoly does a better job at for the life of me i don't understand how people lose those those critical thinking skills from the progression.