35 Burst results for "first house"
Defund police cuts now target Seattle's Navigation Team
"You're looking light of valor to Seattle City Council vote today could lead to drastic changes in the way the city response to homeless encampments like this one. It's one of the efforts to deep on the Seattle Police Department. Navigation team tries to get people living on the streets to accept shelter before it moves in and clears out the camp. Now the City Council may strip the universe all funding and redirect the money to community programs for the homeless couples. Joe Marino Live tonight with a look at this very controversial plan that's moving forward Joel Impressive Mary. You just saw. There are dozens of 10 throughout Ballard Commons Park tonight, even though they have been repeatedly cleared out in the past. Just take another look again at that line up along the edge of the park there. Now the effectiveness of the navigation team that conducts the sweets to remove these has really come into question in the city a pivotal point on what to do next. For the past three years. People living in tents like these have gotten regular visits from the navigation team, which was intended to help campers transition to shelters. Jordi right, says it hasn't always worked out. So just police still You know, they did helping they tell you to pack up and leave the specialized unit pairs. Police officers with outreach workers from some neighbors value the efforts. We've had a few times where they've come in and swept On DH tried to get people into housing and to get help, But not everyone wants how on a 54 votes, City Council members now appear ready to dismantle the team. Some criticized the tactics, saying Khun Sweet tents away but not address the underlying issues of homelessness. There's too much of a stigma between the police and just the general populace. We gotta break that and have direct I don't know community groups that take care of people for for their individual needs. Mayor Jenny Durkan says the council has voted to eliminate this entire unit without a plan to bridge the gap with outreach services or to address the impacts of unmanaged encampments that pose the most serious public health and safety dangers. Do you think and I support the de funding the police in certain areas, but the nap team is critical. Surprisingly, some of the strongest critics of the navigation team are the outreach workers who get paired up with the police officers. They say that the unit creates continuous displacement and trauma. For vulnerable populations back to Joe Marino Live in Seattle, Tony Thank you, Jola. We're asking you to weigh in. Do you support the plan Drew Seattle police from the navigation team. So far, 25% of you voted Yes. On our Twitter poll, 75% Say no. You can still vote by going to our Comeau news Twitter page. The
Trump wants to deliver GOP nomination speech at White House. Is that legal?
"Is floating the idea of accepting his GOP presidential nomination. In his speech from the White House instead of attending the Republican Convention, CBS News is Nicole's Kanga says No that relate raises some legal questions. Federal law, The Hatch Act forbids the use of government buildings and employees for campaign activities, with few exceptions. Well, the president and vice president are exempt any White House or government employees who helps facilitate campaign activity risks breaking federal law. The presumptive Democratic nominee, Joe Biden, is skipping his party's convention and says he'll accept his party's nomination remotely. This is CBS News.
How the U.S. electoral process works
"The congress is convened on January sixth. Okay. So three weeks before the president to a half weeks before the president takes the oath of office The new Congress is already in session. Okay and that is the Congress as voted by the twenty twenty elections right. So almost certainly will be a democratic house and looks like increasingly better chances that that may be a democratic Senate. In the event and then under the Twelfth Amendment the electoral votes have to come in by December fourteenth. If two hundred, seventy votes do not come in for one presidential ticket. Here's what happens. On the vice presidential side, you take the top two electoral vote getters and they go to the Senate where it is one person one vote. So that will be Mike Pence. And Joe Biden I, her Mike Pence and Joe Biden's running mate will go to the Senate and each senator just gets to vote and if you're asking does the Vice President Mike Pence get devoted himself to break the tie no, he does not the Twelfth Amendment and again just clarifying this is the twenty twenty Senate not the this is the twenty twenty, seven current she hasn't Tom may gap Social Gotcha Yep requires a majority of the whole number of senators that is fifty one. So in other words if the Democrats recapture three votes in the Senate. Right that would make it fifty fifty, and then the question is, do I think Mitt? Romney would vote for Comma Harassm Realism Warren or whatever? Over Mike Pence I think probably he would break that tied, right wow. So. But anyway, I but what happens to? If it's a tie you keep voting. UNTIL IT'S NOT A. It's not a tie right we might not have vice president then. If. That is conceivable and we'll talk about that in a second. Okay then. But. But that is how you get a vice president right? Pretty straightforward take the top two people not going to be anything weird none of the like there. There will be faithless electors I wanNA talk about the bucket decision we're going to do that on opening arguments. There's some nuances here but it, but it strikes me that The while they're states prohibited it strikes me that we probably will have faith faithless electors but doesn't matter for the. Top Top to top to yeah now. Here's what that same amendment right lasers. The next sentence here's how the president works. You take the top three electoral vote getters. Okay. and but it must be you must have more than zero right so it's going to be trump biden and some goof-ball. Juergen. Well No. Because nobody none of the faithless electors I think are gonNA vote for like the Libertarian or the Green Party or whatever. But like some goofball who's pledged to Biden. is going of vote like for Jon Huntsman or something, and like you're, you're GONNA get a third wildcard candidate in. Are there no states that will give proportional? Electoral votes if there there are states that do proportional electoral votes but like None of those garbage third party candidates are gonNA proportional and get an elector. So If, no faithless electors it will just be top two. If there are if electors, it will be top three by the way. Of like in the VP, choice if you had if if let's trump had two hundred, sixty electoral votes, Biden had a hundred and Jorgensen had one hundred I know you and actually take those top three right like it in the event of a tie, all the ties everybody who's tied for second place gets to go in the. The president, it says the persons having the highest numbers, not needing three on the list of those voted so. What happens if it is to sixty to forty one and one Literally we. Have No. IDEA. Seems like you'd have to flip a coin toss. Back it was eighteen to. Four when this? Maybe a dual. Possibly have to check it out. So top three go in and the votes are not as you as you suggested, are not one person one vote in the house but are in fact, each state gets to vote as a state comprised of its internal delegation. So in other words, right if a state has seven members of Congress therefore, four Democrats and three Republicans than that state will cast one vote for the Democrat assuming everybody votes on party lines.
Los Angeles to cut off water and power to properties hosting large gatherings
"Issued a clear condemnation of gatherings and threat toward people hosting them. Tonight I am authorizing the city to shut off Los Angeles Department of Water and Power Service in the egregious cases in which houses, businesses and other venues. Are hosting unpermitted large gatherings. Large gatherings have been prohibited under City Health ordinance is due to Corona virus. The mayor announced a similar measure in April when he authorized to shut off of services for non essential businesses that were still operating despite Safer at home orders. LAPD will be taking note of residential properties that continually host unpermitted gatherings and will initiate service shut offs for re offenders starting this Friday. Garcetti also touted A new pilot program that would make testing kiosks available in neighborhoods across the city. He says these kiosk will be able to test up to 500 people a day.
Negligence probed in deadly Beirut blast amid public anger
"Investigators probing the deadly blast that ripped across Beirut focused Wednesday on possible negligence in the storage of tons of a highly explosive fertilizer in a waterfront warehouse. While the government ordered the house arrest of several port officials. At least 135 people are dead in the
Joe Biden will not travel to Milwaukee for DNC due to coronavirus concerns
"Concerns affecting the presidential race. Joe Biden will not travel to Milwaukee to accept the Democratic nomination in two weeks and will instead do it from his home state of Delaware. Meantime, President Trump says he might give his acceptance speech at the White House.
Lebanon putting unspecified number of Beirut port officials under house arrest after huge explosion killed more than 100
"In Lebanon. Some workers are being detained for questioning connected to yesterday's deadly explosion in the Lebanese government says it's putting an unspecified number of Beirut port officials under house arrest pending an investigation into how 2750 tons of ammonium nitrate Came to be stored of support for years. The move comes amid speculation that negligence was to blame for the explosion that killed more than 100 people. The move was announced following a tablet meeting during which the government declared a two week state of emergency, effectively giving the military full powers during this
GOP senators support more money for airlines to pay workers
"And their unions for federal money to keep paying airline workers is getting a boost. Today, 16 Republican senators endorsed the proposal to give airlines billions so they can avoid layoffs through next March. Airlines have warned tens of thousands of workers that they could lose their jobs in October, when federal money for airline payrolls runs out. A majority in the House supports a union proposal to give aviation companies $32 billion to keep workers on the payroll for six more months. Trump Administration has not yet indicated its position on Wall
Trump Says He'll 'Probably' Deliver Convention Speech From White House
"Were in the middle of a pandemic, right? So this campaign for president is a different sort of an animal. And you're not going to see big campaign rallies. You're not going to see big campaign events. You're not going to see big national conventions. The Democrats have scaled down what they're going to do in Milwaukee. Maybe just have a couple 100 people at their convention site in Milwaukee, all Social distancing Vice President Biden announced today that he will not even go Till Milwaukee to deliver his acceptance speech. Cognizant of the pandemic, the virus. And obviously this is a blow Donald Trump. Cause all Trump cares about is getting up in front of people. He likes to watch TV. He likes to be on TV. He likes to be in front of people at one of those big old rallies. So you take away the rally from Trump You take away the big convention. From Trump. And you leave him. With an ideal like this. That is so wrong. Trump can't deliver a big convention speech. So he's considering delivering his acceptance speech at the White House. On the south one No, I said earlier on a bunch of people have said our number by the way. 844305 78 100 very well may be illegal. It may be a violation number one of the Hatch Act, which prohibits federal officials from engaging in political activities. The Hatch Act typically exempt the president and the vice president. But not any other official any other White House staffer any other official Ah federal official in Donald Trump's administration. So you're delivering a speech on the South Lawn of the White House, and you got a couple 100 of your White House staffers and executive branch officials there on the lawn, the White House as you deliver a campaign speech. That will clearly I'll be a violation of the Hatch Act for each and every one of them. The second law that maybe broken is you cannot use official government property for political for campaign purposes. I know there's no better violation of that. Then using the White House to deliver A campaign nomination acceptance speech.
Biden Will No Longer Travel to DNC to Accept Democratic Nomination Amid Pandemic
"Former vice president Joe Biden won't be travelling to Milwaukee for the Democratic National Convention because of Corona virus concerns. Biden will accept the party's nomination from his home in Delaware. President Trump is also thinking about how he is going to accept his party's nomination for president. He tells Fox News that it could happen at the White House. We're thinking about doing it from the White House because there's no movement. It's easy, and I think it's a beautiful setting. And we are thinking about that. It's certainly one of the alternatives. It's the easiest alternative. I think it's a beautiful alternative. I love the building. I'm there right now. I spent a lot of time here. A lot of people didn't spend as much time I spend a lot of time here and I like it. The Republican National Convention is scheduled for August 24th through the 27th with the president's acceptance speech capping the final night.
Trump considering giving convention speech from White House
"With plans to hold the Republican convention in two battleground states foiled by coronavirus concerns president trump says he's considering giving his acceptance speech closer to home the president says he will probably deliver the speech from the White House it's easy and I think it's a beautiful setting telling fox and friends it's certainly one of the alternatives but it would be an unprecedented move using public property for partisan political purposes house speaker Nancy Pelosi tells MSNBC he can't do that and top Republican senators John Thune and John Cornyn both use the word problematic with Cornyn saying he'd need somebody to show him where it says the president could give the speech from the White House Sager mag ani Washington
Beirut's main port devastated by deadly blast
"Meaty news time. 30 to the Lebanese government, putting a number of Beirut port officials under house arrest pending an investigation into Tuesday's massive blast at the city's main port facility. That facility is in ruins after yesterday's explosion at a warehouse holding a huge stockpile of highly explosive ammonium nitrate. The blast sent shock waves across Beirut, damaging buildings from miles around Lebanon's prime minister is promising justice describing the warehouse that blew up is dangerous. The mayor of Beirut, saying billions of dollars of damage is being done. The local governor, saying hundreds of thousands of people may not be able to
Pelosi: Trump speech plan latest effort to 'degrade' the White House
"Speaker Nancy Pelosi is blasting President Trump for floating the idea of using the White House to accept the Republican presidential nomination later this month. Speaking on MSNBC today, Pelosi said the president has no right to even suggest it for the president, United States to degrade once again the White House as he has done over and over again. By saying he's going to completely politicize. It is something that should be rejected right out of hand. The Trump campaign had planned to hold the Republican National Convention in Florida and North Carolina by canceled amid a surgeon New Corona virus cases. The Washington Post reported yesterday that Republican officials were considering using the White House South Lawn to stage trumps acceptance speech.
Kansas voters overwhelmingly pick Navajo woman for House seat
"This? Is National Native News Antonio Gonzalez voters in. Tuesday's Kansas primary elected a Navajo woman for the Democratic nomination for the Kansas State House of Representatives district ten Rondo of Aldo has more Christina has would twenty six years old is set to become the third native American and youngest member in the Kansas legislature as the race will be uncontested in the general election three other. Native women and Kansas all won their primaries. Tuesday has what graduated from both Haskell Indian nations university and the University of Kansas and felt her presence was needed to represent everyone in Douglas County which includes Lawrence Kansas a lot of these issues that happen at our level. The people don't really experience this particularly like me I've grown up in not the best neighborhoods I've grown up on like wick in section eight housing reduced lunch programs, even tribal clothing from nation living here, and I don't really hear that much stories of like like that this wasn't like fifty years ago. This is pretty recent And just seeing that type. I WANNA see that type of representation statehouse and And I I believe I'm qualified to do this. Believe our voices I'm voice that you know a lot of us feel like that wasn't her being heard of and I hope I can bring that to the State House. has would one unofficially with two thousand, two, hundred, thirty, nine votes compared to Brandon Holland five, hundred, five votes and AJ Stevens. Four hundred fifty, five votes. This is Rhonda Nevada for National Native News. Native American US congresswoman cherise. David's was unopposed for the Democratic nomination for the Kansas Third District seat. She'll face Amanda Adkins November who in the Republican race Tuesday. The American Indian Graduate Center has received a twenty million dollar donation from writer Mackenzie Scott ex wife of Amazon's at CEO Christine Trudeau reports the American Indian Graduate Center or AIG see received an unprecedented twenty million dollar individual donation of unrestricted funds from Mackenzie Scott. Scott. said in a recent announcement tweet that the contributions following up on a commitment she made last year to give away a majority of her wealth in her lifetime she continued in opposed to be a medium that of the nonprofits elected that quote every one of them is telling complex challenges that will require sustained effort over many years while simultaneously addressing consequences of the Covid nineteen pandemic AFDC Executive Director Angelique Albert we are just a mess like. To be a recipient of this incredible generosity really honored that she's just trusting us to do the work that promotes equity and justice in our in our society. At the time she says, students were hit hard last spring enough for the organization to create a designated Student Emergency Fund that started in. March. So far the additional fund has distributed over two hundred thousand dollars to Aggie students emergency needs because of the pandemic. Cova fill impacting our communities and our students have a hard time. They still are having a hard time. So going back to school has created additional challenges because some universities are doing remote but some are not heading into the fall semester. Albert says funds will address student needs covering housing utility bill, and household item costs along with technology access. Scott's donation is the largest individual donor gift in unrestricted funds over Aig sees fifty year history the solutions journalism network who funds this reporting was also included in Scott's nonprofit donations. I'm Christine Trudeau and demand Honiara
Trump administration to direct $35M in grants toward housing for human trafficking survivors
"Nonprofit organizations that provide safe housing for survivors of human trafficking. Attorney General William Barr, eradicating this horrific crime and helping its victims. Have been a top priority for President Trump's administration and for the Department of Justice Bar told reporters Tuesday. The human trafficking is the modern day equivalent of slavery. Stock futures are pointing toward a higher opening this morning
Rules for Being Human
"I'm excited about the possibility that this show can offer to all of you within the sound of my voice right now because when I decided I was going to continue with television. I. Wanted to be able to use it as an instrument a vehicle to try to bring meaning to people's lives so that something we might say something you might hear might create a spark that would create something inside yourself with touch some part of yourself that would make you live better do better. Create the highest vision for your life, and this is this show is spectacular today in terms of being able to bring you to that. If you pay attend, you pull up a chair I know right now children are running around the house. That I know you know not to be thawing the chicken out who did you on it in the microwave? Hit. Pause, on that right now. Call your friends tell them if they can't watch right you should really take this because this is really important important for you and even more important if you could share this with your children because if there's one thing you should know if you want to have a better more meaningful, fulfill deeper richer existence, it is this that the world and everything in this world that this physical reality that we are experiencing right now operates under certain laws y'all know that. And it supersedes everything. It is real and as consistent as the scientific law of gravity or the physical law of cause and effect, and once you begin to understand how the world operate and how fair and just it really is no matter where you are in your life right now, you then can begin to learn to be a more powerful person. So this little book if life is a game these. Are The rules explains ten rules of universal wisdom if you understand and follow them every day every moment, which is hard to be in there. Every moment I'm telling you and we all struggling you'll have a better life and better relationships in your life because you come to know yourself better doctor. Cherie Carter. Scott, is the author of if life is a game these are the rules coming up in. Telling you. Thank you. Read that is great to get a standing ovation. Yeah. Open your mouth yet. How did you come up with these rules? It was in nineteen, seventy, four and somebody turned to me. I was creating a course to teach people how to coach other people and he said, you know it would be so nice if we just had a handbook for living, why don't we have some kind of rules for being human and I said that's it we need. The rules for being human and turned to me and they said, well, what are they and I said, well, you start with the body and they said Okay and then we're and all of a sudden it was as if spirit inside me was speaking and they came through under the paper and there they were plain and simple and I looked at them and I said. I don't know if I'm brilliant enough to create those I listen and I, allowed it to come through there they are. Okay. Rule number one is you will receive a body. So. Who in this room received the perfect body and you know it was just the right one for. You. No. Problem because if we did get that body and we said you know, thank you that's the one I ordered and it's exactly got it would be a different rural but I bet if you look around this room, you see somebody else that's the body I should have gotten. No, that's the one I should've gotten and you would trade you do an exchange but somehow that's not the way it is we are given a body and it's the one that we are meant to make peace with. The rule is you you going to receive a body? Yes. Otherwise we wouldn't be here. Exact. That's how we moving around in the body. Yes, and you may love it or hate it but it is yours for the duration of your life on absolutely. Okay. It's only when you got but yet the reason why so many people have their greatest pain and struggle in that body. Absolutely. Okay. Dinky says she's a perfect example of this rule and what dinky definitely. So much of our society looks at people by their body type and. How they come across in their body, I suffer from gaining weight losing weight gaining weight losing weight. You know just like why do people do? I know I have every reason in the world to be happy. And I have this void within myself and I don't know how to fill that void. I don't know how to to get to the core. Okay and you want to do something with me a little exercise fast close your eyes for second take a deep breath. And ask your body what it wants to say to you that you're not listening to. Deep Breath. Just, have it speak to you and say whatever the words are that you hear. Expecting respect me what else? I'm here for I'm here for you. What else? I do a lot for I do a lot for you and what else? Take Care of take care of me, open your eyes do you hear it? It's speaking to you.
Denise Welch ON Dealing With Depression
"I'm sorry it's nice to help. You mentioned the this is really A massive massive looks women find so I'm really trying to to stand out. out. So, how have you been doing during lockdown pandemic in general at Grand Canyon because by by depression is depressive illness so it tends to be endogenous it as much as it doesn't it's not reacted. So I know that there are many people during the lockdown have discovered. Being out of control of them mental health I. in fact, such would have been a been okay I mean I've been overwhelmed and I have been sad and I've spent days in cheese as we all have but not not as part of a depression because depression, there's two schools of people as people who really want the world to stop taking over again, nobody knows people who found such solace in lockdown that they get straightened things are moving moving with his two schools. I'm kind of a bit of a halfway house, but generally I am I've tried very much to. Err on the side of positivity I've tried to be perspective police at loose women is what they call me and try to look for the good news about this virus when we can help build little China because this too many Corona Karen that cooling out bang just want to dwell on all of the bad signs in order to statistics don't seem to want us to move forward. So I tried to just having a little bit of perspective on it. So generally I've been very long winded willfully wave say I've okay. Woeful is very much welcomed. So do not. How you feeling with kind of the end of lockdown in there you said you're kind of in between the nerves and the feeling. Okay about it. It's kind of difficult to remain positive because if you if you have to read the mainstream media which all of us being in the media we do, and because of loose women particularly, we have a very at never been noticed. In eighteen years. But I have in the last few weeks because we have corona virus and we have the black lives matter to huge arenas and. been difficult at after at Jojoy Day as as as middle class white woman sitting on a panel not knowing. How terrified to know what to say trying to take guidance from all black colleagues you know, and so that's been that's been hard to navigate, and also I will not go to the table at least women and to talk about the virus without back by science. So but that's also difficult because you have the Oxford model and the imperial model as to, for example, who are completely different I kind of night before science was sort of social wrong thing that if it was the virus whole, the scientists would. Be on what it was and where it was going to go. So as I say they call me perspective police and I try desperately to remain positive and my view is things like the second wave if there is going to be a second way, let's prepare for let's deal with it but let's not ruin some of joys about coming out of not down by by we don't know that there's going to be one you know. Today hearing and I will share. But you know there's such positive news about the about the vaccine coming out. But also you have to look for this news you have to look for the stats that moment that may be slight outbreaks going on. In infection, but the mortality rate is the lowest that we've had in July for years. So again, it's balancing it all and just trying to remain optimistic. Can we talk a bit about your ambient unwelcome visitor now? Housing depression being. During the kind of positive promoting it and also to the rising event how's it have? You managed that his Araya to? Attack No it has the it has been right. So the book was spooned at Shall We say by an me documenting an episode of depression real time last September. And like I said before my depression in the May. Not Always. But in the main is endogenous, it's organic. So it is depressive illness. And M. so as a result of that I, never know when it's coming. So an example to people who don't know about about about it as opposed to when we feel depressed went something circumstantially, it's made you settle or grief-stricken, which is horrible and depression is not persistent sadness which are often read whenever you look for description of depression it will stay position sadness and I want to say that sadnesses something that we that we feel when something makes us sad. Like happiness you know it's not a striving for happiness. Happiness is something we should feel when something makes us happy. But depression depresses every single emotion. So you can't feel happiness sadness lovejoy greed nothing nothing nothing nothing. So I went to my sister's feeling terrible the morning eyewear crop and visit mine welcome visit to is definitely that and impulsively having talked about this for thirty years I picked up my phone and I recorded three day episode of Depression in. Real. Time. It wasn't until I was well again about four days later. And that that I realized the impact digit hat I hadn't realized because I hadn't been well enough. My phone goes away unlike missing my phone rings and it'd been on news at ten million and a half people viewed it on the comments ladies would just. Heartbreaking you know people who completely felt that they been heard for the first time in that I was describing what they feel like people who showed them to that family who suddenly seemed to have an understanding of what gone through people who had never been empathetic to people with depression because they thought it was a what is she going to be depressed about not understanding the illness
Jared Young Explains Why Kindness, Honesty, & Integrity Are His Top Priorities
"Jared Welcome to the show welcome a dose of leadership. Thanks to be here. Well I'm excited to learn more about employer advantage and really your leadership philosophy. It seems like I'm. Looking at your background man you've you've done a lot of things and now you're the president of employer advantage. Traveling the world working in various branches of government learning multiple language Arabic is that right to get that right you understand. Yeah, Eric my Undergrad is an Arabic. Wow. Well let's start. Let's talk a little bit about how we got to employ advantage. What was the kind of as you're going through school and working what was your dream at the time? I can tell you my dream was not to end up in. Joplin. Missouri. But I know my I guess my my dream candidate evolved. By the time I got through law school I knew I didn't want to be a lawyer and so I had to figure out. What I wanted to do. So I went into corporate law for a little while I was looking for a chance to pivot to the business side of things because I decided that's what I was really interested in. and. Had A a cousin in DC where I was working Who have happened to have a father-in-law that was? Had founded a business along time ago and was looking for some help some young blood to get into the business to. Start with. A succession plan. and. He learned me out to the Midwest and. I guess we haven't looked back. So how long has that been? How long have you been in Missouri five years five years so prior to that, you were working in various branches of government and you're doing it was many. as an attorney as a lot. What was it doing what we doing government? So I worked before law, SCHOOL In the private sector actually in the healthcare it sector but then during law school and after I actually thought. I thought government was what I wanted to go into. That's actually part of the reason I studied Arabic in my Undergrad as well. It's thought government was around I wanted to go but as I got more experience in government i. realized. I didn't think that was going to be for me. and. Why was that? Would you see there that just turned you off to it I think. I worked with a lot of great people and saw a lot of really interesting things but. The the kind of lockstep. Advancement structure of most of the government. Offices wasn't very appealing to me I I saw people that had been there for thirty years and it seemed like if you wanted to get anywhere, you had to be there for thirty years and there's no getting anywhere without putting in your thirty years. there. There's also the factory you know have a pretty large family. We're expecting our child next month and I knew if I was going to support a family of that size. It's Government salary. Yea. I I know I understand the attraction in the allure. I thought about going into government to at one time when I was laid off from American you know. In the lure was kind of a the security, the job security, everything else and. I got to say a lot of consulting work with the government I've been out of the marine, corps and doing this. And it's such a challenge because what I found is that there's There's just this kind of embracing of mediocrity and it's nothing against the people within it. It's just it's it's a culture of mediocrity. I think and I don't know what your thoughts are on that. Again, I don't into government bashing session but well, exactly I that's I. think that's probably what I was trying to say with trying to dance around and be a little diplomatic but I I totally agree I and I think you're right I don't think it's any individual person just as. Houses that it's the it's the whole system is just too big. It's too bureaucratic right and an end. To. It's that too big to fail mentality. They all know that that they're going to have a job they don't have the pressure of trying to turn a profit to kind of motivate them but. I don't know if they're they're tons of fantastic. Working in government and I I admire the work that they do. But with a lot of great intentions, you're right in the. Same reasons that just wasn't for me I needed to be around a little more Spontaneity. In the the fact that if Wanted Faster Pass towards performance in the object objectives that just seemed like it was applaud you know what I mean like a slow applaud. Yeah. Yup totally get it. Very. Cool. So I'm curious to before we start talking about your roles a president here. What live in Jordan for four months? What was what year was that and what was that like? In two, thousand, nine It was awesome. Just incredible experience. You know as part of my. Undergraduate studies studying the Middle East Arabic So I got to go there and really just immersed myself in Jordanian culture. In my Arabic study I had just gotten married the year before. So my wife and I join me and she actually celebrate our first anniversary in Jordan. Wow and just an amazing cultural experience you know when you visit somewhere as a tourist. You see some cool things but you don't really get a good feel for what people really like where the country's really liked but when you live there for a while. We were able to go to church there and and just make friends interact with people in their everyday lives. It was just awesome to. Be Part of a culture this. So completely different from ours you're live two years in Sweden, but Sweden in so many ways this is just a lot like America so it wasn't kind of a full foreign experience, but Jordan was definitely full foreign experience and There were definitely parts of it that weren't as fun. You know there's water rationing. There s he had you know. Limit, your showers and and and just be really careful with your water and we had bedbugs. there. Definitely. Reasons. That we were happy to go home but man, I wouldn't trade the experience for anything such memories of time that
"first house" Discussed on BiggerPockets Money Podcast
"So your entire mortgage you went from paying six hundred dollars to paying zero dollars? Yeah I mean I I I certainly probably didn't I came out close to zero or maybe spent a little bit after the utilities maintenance on an ongoing basis for that property but that was a massive step forward in term versus renting from cash cash out my pocket every month perspective and this is one way to buy the house. This was an extreme I think that extreme but fairly far along on the spectrum of optimizing my housing for my investment portfolio decision right because I bought a duplex except a lot of work in an upcoming part of town in order to make this situation work these numbers would probably be you have to adjust downward to get more luxury. Let existence for the first couple years if you were to to kind of repeat that journey but this could be a great option for someone right out of college and then another good good option might be a slightly more luxurious duplex in a slightly better part of town where maybe you're paying something but not breaking uneven but still doing fairly well you know. I'm glad you brought that up. Okay Scott is a big guy. He's like what are you six six one six two six one okay. He's a big he played rugby. He's got big showing your muscles. Get big muscles yeah ooh. He's got a shirt on that. You can't see muscles and this is important. I'm not trying to auction off Scot but I'm trying to say that this is a young fit guy. Scott could take you in a fight. Probably he's not going to he's not a fighter roles is is you should watch video. Dr Scott could walk in this neighborhood at night and not feel afraid I would not feel comfortable walking in this neighborhood at the time that you purchased it because it was up and coming had not yet come up up and I am not big Scott despite that picture that we have on our podcast. I was standing on a step stool because I'm not six one or anything close to. It and I don't have big muscles so that is yet another tool in Scots arsenal is that he could buy in a neighborhood that wasn't so amazing because he looked at the map of Denver and he's like Oh. The path of progress is gonNA catch up to this neighborhood. I'm willing to gamble that it's GonNa get here. They're certainly were some advantages manages to my life circumstances that made this a practical choice for me one yes. I'm fairly big guy too. I don't have a very large clothing or accessories or luxury budget so you know me bicycling around in upon show with by backpack full of buy lunch in those types of things. I'm not very like desirable target for a robber folks that are going around so yes and that that said areas fide there is right near an elementary school others. There's a lot of good things about the area but yes you might it might not have been an area where a young woman would have been comfortable walking around night yeah so you take advantage of the circumstances that life throws at you and life life through it you a rugby playing background and tell muscles and by the way just just shows out there in going into that purchase. I set myself up so I had month-to-month rent. I found agents and told that agent what I wanted. Six months before I ever bought the property I was prequalified for a mortgage going into that purchase right so all these things that we just talked about Iowa's looking for a property that could turn into a rental after Dr moved out. I knew this wasn't going to be a forever so these are all different things that we discussed that I was going in with that are not just applicable to your. I kinda crappy duplex in upcoming part of town but I think any first home purchase purchase or next purchase. You just use the word that we haven't discussed yet. You said I was prequalified. What does that mean so that means that I talked to a lender and basically told them that high level details about my financial situation by credit score based on Credit Karma by <hes> you know my income by savings all different types of things and they kinda gave me a ballpark but remember the Fox estimating the chickens of the highest possible dollar dollar amount that I could qualify for for mortgage based on that information alright hope you're enjoying the show? We'll be right back after a word from today's show sponsor real estate investing is.
"first house" Discussed on BiggerPockets Money Podcast
"I have an incredibly high credit score because I pay my bills on time for somebody who may be has more debt or maybe had about not paying their bills on time. They may have a lower credit score. They may not get the best rate that I will get because I have a better credit score but the mortgage broker will take that as the okay so I know that Bank of America is best for people with great credit scores Ed chases better for people who have this level of credit score or you know the much debt or whatever the situation is. They know they work with all these people and they shop around for the best rate. I recommend going to a mortgage broker. I recommend going to your local credit union. I recommend contacting a lot of different lenders in general in a very short time span so you can find your own best rate okay so it used to be that if you went and got a you contacted a lender or a mortgage brokerage at hey I WANNA get alone. They would pull your credit. They WanNa know what kind of credit score you have. They would pull what's called a hard inquiry which digs your credit score like three or five points inside a huge deal but when you have a very low credit score it actually hearts you what the credit scoring agency has done in recent years is changed that so that every credit poll from a mortgage broker our lender in a very short amount of time like one or two weeks is considered one hull so you're not you can go and shop around your own self plus go to mortgage brokers and have them shopped you around as well and you're only getting one hard inquiry on this. It's it's considered shopping for the best rate instead of trying to get a bunch of type so I recommend doing that. Sit Down decide decide today. I'm going to contact twenty five people I want alone. I want this much or here's my credit score. Here's my income. How much can you approve me for? What is your rate? What is your closing costs all that stuff and then you can sit down and compare apples to apples? I love it. I think this is a great approach to this and there's no reason not to do all the shopping and save yourself some money some money that can compound pre dramatically over the long term right so I guess some questions for you. Do you recommend in that process. So what are the things that I'm sure are people who are looking by their first home. We'll be thinking about his. Should I get an adjustable or fixed rate mortgage. This is a good question. I don't have a crystal ball. I'm not on the Federal Reserve so I can't say that they're going to raise rates in a week or three months or next year or whatever we are at historically low rates. I think they're like four and a half percent. Ish Don't quote me this changes. He does all the time but right now on the day that we're recording they hover around four and a half percent my first mortgage couple of years ago I got a seven percent rate in thought that I was the best negotiator on the planet. I thought that was just the best deal ever and now they're down to four and a half percent. They actually dip down almost two and they've popped up a little bit but historically these are some of the lowest rates ever if you're GONNA be in that property for more than three or five years here's I would say get a fixed rate while a sixth rate loan means that your interest rate will not change an adjustable rate loan means that your interest rate will change and you've heard this as you've heard this called old arm adjustable rate mortgage are a five year arm a seven year arm the number before the word arm indicates how many years your rate is fixed so you buy a property with a seven year arm. Traditionally an arm loan is going to have a slightly lower initial rate than the going right because it could go up it could go down. It's probably going to go up so if you're not going to be there for seven years. You can look at a seven year art they all can I think that might work for me. The issue comes when you are there for seven years and then your rate changes now you could go down. I believe it can only go up or down up to two percentage points or down to percentage points per year. There's always the possibility that it goes up in. It's more of a probability that goes up so I personally only get fixed rate loans even though like I said I'd never lived in a house for more than six years now. The uncertainty really gives me HE J._D.. Yeah so on that note I also personally have only used fixed rate mortgages and taken the higher interest rate rather than the lower arm with the longer term risk on Medicaid rise on my first property that was mistake as it turns out because like the average person I was not in that property for more than seven years in fact I was only in there for two years and I should've known going into this that I was likely to to not be in that property for more than seven years in that case it might have been wise for me looking looking back to us an adjustable rate mortgage save myself some money. Give Michelle to my dad. He recommended that I do that. I did not listen to him and what my own way and it cost me probably a couple thousand bucks that I could've could've saved over the course of a year and a half two years but anyways that that is one of the trade offs. I think that goes along with this decision so understand. If you're going to refinance your mortgage you only have to sell your property. You might just move out and decide you want to refinance to get out of for example mortgage insurance to save you some money so.
"first house" Discussed on BiggerPockets Money Podcast
"For between three and four hundred thousand dollars of course if you have massive student loan debt and a car payment and credit card debt and all this other stuff you're going to be lower and if you don't have any of that in a huge down payment you're going to be higher but generally it's three to four times your salary and the mortgage broker makes the most money when you get the biggest low so you should figure out what payment you're comfortable with. I'm comfortable with a thousand dollars a month and that equates to a two hundred thousand dollar purchase or whenever for you numbers are in go with that use those numbers but I wanna say the realistic so hand-in-hand with how much can you afford is what is the market price of properties in general we had a post in the forums ORB on bigger Puckett's dot com slash Forbes where the person said I wanNA move to Boulder Colorado and I'm looking for a four plex for hundred thousand dollars and for anybody who's not familiar with the Boulder Colorado market okay. Maybe that's that's not realistic fifty years ago Boulder is an extremely expensive city and I think four plex is going for like two or three million dollars in that ballpark. They're really really expensive in boulder know no what you can afford and know what the prices cost because if it's not realistic for you to find a four plex for a hundred thousand dollars in city a maybe city be or city sea will be more affordable or more realistic Ed. You know it's in much better to live in a town live in city be and be able to afford your property than living city a and scrape by every yeah I think I think that's another you know a part of this is going to be understanding what that can get you you know because I think it's no surprise that two of us are going to be recommending that you do this. Well within your means.
"first house" Discussed on The Astrology Podcast
"In the research factors that kept coming up in that they kept coming back to over and over again. So that eventually I sort of synthesized a general approach just based on what seemed to be constant things that they were often focused on just about every election example in some authors. So the two primary things that came up the most often, and that became sort of core things for me in my approach to election astrology, which I think is consistent with a large part of the electoral tradition is also sort of interchangeable or is somewhat true in the needle tradition, and the Horry tradition is that the two most important significative is in any election chart that you really wanna focus on the most is the ruler of the ascendant and the moon and those become the two most important planets in any election charred that you really want to focus on making sure that there is well placed as you possibly can no matter almost no matter what you're doing. Yeah. And we had questions about dealbreakers and really these are kind of like where you want to start and where you want to focus on and those are going to override anything else in the chart. Yes. So let's start with the first one the ruler of the ascendant. So the ascendant the first house and the ruler of the first house represent the one who initiates the action at the time of the election, and it represents it's the part of the chart that represents the most most closely that which is born at that specific moment in time in the same way that in Natal astrology, the first house in the ruler of the first house, and the ascendant itself are the is the part of the chart that's most closely associated with the native the person who was born in who emerges into the world at that moment in time because the ascendant and the rising sign is literally the part of the sky that is rising or emerging out from underneath the earth at that specific moment in time. So just as the native emerges at that moment in time, and therefore the first house in the rising sign in the ruler of the rising sign are the most important planets oftentimes. In describing the native in a birth chart in an election chart that is also true, and you should really focus on that part of the chart. I as your primary thing, right? And oftentimes people ask them what what does that mean? And you're basically using all of the same principles as he would in we're using Hellenistic astrology principles. But you're going to be looking at the first house and the ascendant ruler in terms of signs in terms of conditions. So sign house placement and aspects, right? So you're going to focus on the ruler of the ascendant in the ruler of the ascendance gonna represent both the person who initiates the action. But also that which is born at that time. So it's like if you're starting a journey the planet the rules. The ascendant is going to be the one that most represents you starting that journey and its success or failure. So what that means then is gonna wanna pay attention to the condition of the ruler of the ascendant, and you're gonna apply. What are pretty standard rules in most forms of traditional strategy in terms of planet determining planetary condition and trying to determine when the planets is well placed versus when a planet is either poorly placed or has some challenging things too. So there's a sort of hierarchy, but the three primary things you're paying attention to is that the planet is well placed according to the sign of the zodiac that it's in the planet is well placed according to which of the twelve houses that it's located in and the planet is well placed in in terms of the aspects that it has from other planets.
"first house" Discussed on WBT Charlotte News Talk
"Is that right well it depends on your scenario we've gone back and forth but but if you leave him we usually recommend leaving them if you don't have an issue with moisture leaving them closed is not a problem we used to recommend open in the summer closed in the very very very cold time in the winter album is leaving them open in the summer means you bring in air in from the outside the air from the outside is typically very humid in our neck of the woods right so we've we've typically recommended folks just get somebody to take a look at it you don't have to go invest a lot of money and getting the crawlspace sealed if if that's not something that you want to do but i would get i would get the guidance from someone that that that came out and gave you that information okay was word products shit are on the exterior of the house have been the bane of my system since i owned my first house and i've been through a number houses in this one's different but the i unless you call it sasho name for this but like in the basement there's a bunch of they look like doors would teach but they're mostly windows and when you go outside of course they're kind of block in and this would it comes down so just real quick let me just try to get a visual on this if i could so is this a window well where the where the dirt is dug out around a window that is in the basement dr because he goes out to a concrete patio okay because i'm looking at right now it's like they're the size of doors in fact two of them are doors and then to each side of those are just big sidelights yeah so oh boxed in because if you go outside you know you've got the brick surrounds these things say boxed in around the top and those left and right hand side okay got it and then meets the not the ground but a black plastic you know like a rubber thing that you guys between the just stop in the concrete but where it meets the ground in some areas it's literally hey mark hang on a second is taking a little bit longer to get to the point where right up against the break here on hold and we're going to take our break okay and then i come back after the break and make sure we get you squared away a league katie we see out there we're gonna come back and talk to you also folks this is.
"first house" Discussed on Ideas
"Ability to continue on solar economics all of these notions that are slowly being developed in in in the western mind as ways to talk about him relate and organize that's that piece that's in place already is that there is a cultural memory of having been there before and that can that can become a amber that can be ignited again into a fire that means that you're going to get back to that point of living living whole you're in a great space did you worry at any point the the lend listened to visual was doing what lended individuals have done in the past and that is good to tell other people how to live on their own land was there ever worry that you had about being reproducing what had already happened in white people who've come into cnn before and built houses that they knew were gonna fall down because they thought they could build more houses if they built houses fell down that's a really bad colonial herbal thing did you ever have any concerns was ever worried that you were sort of doing the same thing there's there's no way for me to honestly say that it isn't something that's constantly in my mind but that just comes down to howland presents themselves at an individual face to face level i i i i really quickly with folks get to the point of like yeah i'm i'm aware of the fact that i'm white i'm male and if i walk into a bank somebody's gonna talk to me this is this is something i've experienced but then when they see my credit report they're not gonna have anything to do with me so it's really easy to to to prioritize empathy and that is part of design training is essentially breaking down the the the western school model that we go through k through twelve we we kind of break people down force them to sit and stare and repeat things were trying to tweak that model but then when you get into a design training track when you get into undergraduate or graduate studies basically you're taught how to play again part of that playing time is developing a capacity to relate to other people's experiences you're basically going through a period of time where you're activating your mirror neurons and you can feel compassion for somebody else so at the end of the day that quick answer to your question is no i'm not concerned about that at all for one second it's it's okay to be white i would i would tell that to your listeners it's okay to be white it's okay to have good intentions you just need understand that you need to get to know folks take your time slowdown and it's okay to to not be there forever as long as you're not coming in for your own profit and i don't run a nonprofit but we run for social mission and we run simply to feed ourselves and keep doing good hard work and the person the pudding too i mean the i been here for a long time and i'm not a whatever any kind of analysts are social media and i don't know even what i'm talking about except that i can see the relationships that have been formed here and it's not it's not master slave it's it's quite the opposite no it it's it's partners and friends and that's what that's what it comes down to every time i walk in the social services now cynthia young sings to me so it's so it's one of those things where it's almost like okay i belong here that's kind of weird like like like i'm welcome and i'm seeing a benefit and and it started like my i i've said it multiple times so far is we've talked i'm here to work myself out of a job i'm not here to put down a base camp that can extract resources i'm not here to develop one side of the river versus the other i'm not here to create ikot amies i'm and i'm not here to mend ikot amies either i'm i'm simply here because i have a capacity and and if we build up these relationships other people have capacity to back once again to the tour of a pass cremation with jake man's and alex wilson dr hair we're going to be coming to.
"first house" Discussed on Ideas
"Our parents and grandparents we're back to the tour with alex wilson and jacob man's were headed for a destination that i never expected it would be on the tour and the nineteen seventies many first nations did not have their own high schools still some don't but norway houses one of those first nations and so they would send their kids to high school kids to other communities like apply that had a high school and one of those kids that came to the paw for school was a girl named helen betty osborne one night she was walking home from the library and a carload of boys from town picked up and dove around there and raped and murdered her and left her body right here so that shrine on the left where that crosses is where body was found and many people in the town of the paw or implicated because the boys that did it told their lawyer they told the town lawyer and for many years the crime went unpunished even though everybody knew who did it and so it took a justice inquiry to twenty years later to actually come with out with the verdict that saw only one of those men go to jail and he's out ready so we know intimately the impacts of colonization and and this is just a stark reminder right here that indigenous women's bodies are disposable and you know safety what is safety main and what violence is not just accepted but it's condoned by a whole community so that pain is still there i think for many of us as will as it will be in scotch men with you know trying to get justice for the death of the murder of colton bushy as it is in manitoba for tina fontaine you know who was murdered and thrown in the red river and as it is for people in toronto that are dealing with the serial killer that has for who knows how long been targeting and murdering queer men of color and other queer men so this is you know this is what colonialism that that is the real impact of it that many people live in fear and many people live in complete and utter denial that there's two systems of justice that there's you know that they're the is what supremacy or that there is a prussian and still our housing our little housing project or little housing campaign while it may seem like it's you know cool and all that and innovative really that's what we're getting we're getting those foundational dacian systems that have led to an outcome like someone being vertu or some not feeling safe so that you know that's all connected it's not just about housing wrote that we just passed leads to the guy hill residential school that was there and until the nineteen eighties so many many students went to that catholic run residential school from denny from up north and cree people as well that were brought here some as early as kindergarten and spend their lives there so people were very pleased when that thing was closed out and also leveled every year they have a feeling retreat there for survivors and their descendants knock the building down but you can't destroy the memories a really the systematic abuse of not just individual women in and people men but abusive complete system we have life yeah and then you can extend up to the lab as well so some people come to their water lake because it's a destination tourist site it's beautiful it is beautiful but it's also got this recent history of of phony violence on ideas you're listening to one house many nations of is it to the pasquier cremation in northern manitoba where they're starting to build the first small wooden house as part of an ongoing program that could ultimately help to solve the housing crisis for many first nations all over canada i'm paul kennedy ideas can be heard on cbc radio one sirius satellite radio and cbc dot ca you can also stream the show from the ideas website at cbc dot ca slash ideas where you can also.
"first house" Discussed on Ideas
"I have been at that other place where they're rebuilding like i know guys that's being a recipient of when the houses and it's it and it was a home he was a homeless guy is a matter of fact he had a strong addiction problem and he's on his way to sobriety he's sober for two years maybe three years and he's doing good he's making changes his life so already we see or it is he the results one result of this one guy who changed his life on and guys name peter george and i helped him out and go to addiction and addiction sender detox enter and he's getting a unit and he so happy we see him from person with addictions and being street bring a street person homeless to a personal will have a unit so bor and working and not go to work i saw them yesterday at the host site and he is happy having the happy and he's humble he's humble he's very and everybody helped him at a little bit by coffey because they know he wants to try anyone's to help himself that's one of the things this is not just a house this is a house that is giving him another chance at life in some ways it's giving him a reason for being in its it gives him some kind of solidity endorsement at saying you're okay and and we're going to ground you that way yet very much so if we didn't have this program when house nations he probably wouldn't a house imagine what he would do for so many people that give many at least on life especially people that don't have units that are homeless it's a word that is used may be too often but but is i think are really useful word is empowerment he's learning skills that he didn't have before that are there valuable skills their skills that will help him maintain the house once it's finished and he's living in it he'll have that kind of ownership but but he also has the wherewithal the ability to do things i'm not sure i could do because i've never built a house very much so and that's and that's one thing that i think that the people that put this idea together saw that and it's really working good for people like peter some of the other people are involved in the project i'm really happy for them do the this other thing that really intrigues me about it is that these are all natural materials and so the other houses on the reserve and i've been around i've seen things there's concrete there's metal this plastic news vinyl and these houses are made it would in the would if you look around there's would everywhere here it's not it's not something has to be manufactured somewhere else or brought in from somewhere else the trees are here and that makes it the first off it's green to do it that way but it also is is once again grounded it's in the place where it comes from oh yeah coming from the environment like i said initially land heels and reusing resort land in sustainable weight and it's working in using that resorts that are in our canadian are sherry owning and using it for where betterment without having to go to plastics or or concrete or steel things that pollute no we started talking about housing problem and it is a problem but building this house has solved a bunch of problems solved a problem for peter it solved a problem about the environment it's completely ecologically correct and it solved the house or is solving the housing problem sort of does all things at once it's it's a small step in solving how his problem that we still have a long ways to go much like eight to small step but like i said initially we have to think outside about and try new things some people were critical of idle no more hey said they they all they do is criticize but where did they bring the constructive solution to our communities and this one prime example maybe the best one a constructive ideas idea brought to the two are committed of what can happen and it can happen it's happening right now on the past gliac reserved in northern manitoba learning how to trap and learning how to get defy the different plants trees and animals and tracking and all the things that are.
"first house" Discussed on Ideas
"And the way the house was designed to function for one family is not going to function as well you end up with an underperforming house for four families that was designed for a single family so underperforming for everybody assume that if if it is overpopulated like that it would also breakdown where easily i mean if you would have the building's being under a kind of stress that they wouldn't be under if they were bill if they were accurate by the the number of people were expected in the first place yeah absolutely i mean down time time to claim spaces set aside for recreation or kids playing you know all those aspects of living in a house they all get eliminated just to meet the basic functions of surviving the other aspect to that is just the second lodging stress on the family you know people don't have privacy you're always worried about space and sleeping in different patterns so there's a population health aspect to it as well also security because it's not always families living with families that you do necessarily are willing to have that situation but sometimes it's people from other families different ages different parts of the society of their system can be difficult to have your own stuff no it security able to go out work leave the house and feel safe operating that way those this log house and you could see the logs of pretty big so i'm not sure what we're it came from but there's been a number of projects that people have tried out in the past here in house crack and this is kind of the flavor of the day for housing so let's try to here's another type the one with the brick corners even though it looks like the other houses solid concrete wall house yeah cast in place concrete wall system you can tell all those because they all have these little brick corner pieces on the the edges that they're used to the different concrete while pieces together so that was another person who came in in with a solution and tried to implement it and then for one reason or another that's lucien failed in that that builder left the host is made of concrete but they're pretending it's made of log so that's like an aesthetic choice rather than than a practical yeah the concrete is maybe there from kind of thermal mass standpoint could be kind of performance agenda to or could have been kind of convenience and building you can just you know capital ground and sit a fast too i mean they're all different reasons why one might wanna construct that way but yeah then it's just kind of cloud over like any other house so it it's meant to kind of fit into that fabric but you know a different a different kind of trend or a different technique to come in and solve the problem very quickly which obviously can't be can't be solved with a single solution it takes working with individuals and communities and understanding how they intend to solve their own solution and building a an idea with the community so they have ownership and understand how it works can maintain and change in modified as a as their community changes how does it work they build the house and then if they're seven hundred families looking for housing can't have it here how do they decide who gets the houses that are built a can't drop seven hundred houses magically into the situation the question of the year because you know people are wanting houses and how do you decide and so what's the demographic of people that need housing there's a lot of single you know young men that don't have houses and then see this little one here those those little bachelor pets we're made for that one demographic of single mostly men bachelors and silvy ideas that they would have a smaller house in and there's quite a few of those around there are plenty of problems with the people of a pass quicker definitely looking for solutions mainstream media often focuses only on problems or even crises within the indigenous community what's happening here isn't unique but it certainly different according to alex solutions can be found by looking into.
"first house" Discussed on Ideas
"Is an architect he's been working with alex who's from pasquier on a project called one house many nations that the old typical stick frame houses that indian affairs but build for people on these the ones like you see a lot of them are boarded up a lot of them have problems with black mold because they're not they worked made to last they were basically made to be disposable so that people can get contracts to build more and at the time the contractors were all non first nations people one house many nations means many things to many people that i chose to make this ideas show because what it means to me less than a year ago i met alexandria wilson who was part of a panel i was moderating about the idle no more movement alex was one of the organizers of idle no more she pulled out her cell phone and showed me a photograph from a pass quick it was a pile of logs almost a kilometer long approximately two meters high and two meters wide trees had been caught and piled into logs that would then be taken south on trucks where the would be chipped and used to make paper for dog food bags there's a desperate shaw shortage of housing on one of the richest reserves in canada at these logs are being used for dog food bags alex jake driving me to a construction site on the pass quake reserve where they're building a wooden house on the frozen edge of the northern bank of the scott john river toey the settlement was originally on the other side of the river and they moved us to this side of the river at gunpoint friendly was i guess say what was lower in more prone to flooding this side is play so when we're on the other side there's more for tulsa people had gardens and then they had access to the trap lines and fishing and hunting when we got moved to the side you couldn't put in a garden anymore so ironically have to bring in dirt on the other side for community gardens for housing outside contractors bring in building material vibert glass and plastics and vinyl to build houses for the indigenous people that pass quick although there's plenty of trees and lots of wood all around the one house many nations project is building a single wooden house that they hope eventually helped solve the housing crisis here and on reserve lands belonging to many other nations and so the irony of us having houses people and right in our own territory that's fully tris is really i think it's criminal alex introduces me to peter george who won the lottery when the past quick band council gave him the right to move into the very first house which he's actually helping build excited i saw your cabinet nice that must be great you're you're looking at your host and imagining it but it's going to be real it'll be warmer when inside anyway when you're finished beautiful that the river trees countries feature our awhile this make my own path a trail rica we went to the one thing disofficial fishing got a house and you got food what else you need yeah matching all i need all here it is where he had flocks thank you do you wanna finish that alex also introduces me to chris tomlin helping to oversee the construction kept spinning end for end for enter took five minutes put up all the other panels under two minutes which is amazing could stand up a five hundred square foot has day we'll spend more time with chris a little later on one hundred sixty eight toad but i it's back to the car with alex and jake for a guided tour of the pasquier cremation on the leftist the paulo arbor every year we have powell and then on next to it is the soccer field in the soil here is not as good as the soil in the river glacial rich so it was a ridge of gravel that was left from the last ice age and that's why this side is a little bit higher there's no topsoil or the there's clay mostly on the right here if you wanna pull in jacob.
"first house" Discussed on The Dave Ramsey Show
"The vast majority of millionaires grew up on the other side of the tracks the only difference in them in the next door neighbor that still on the other side of the tracks is they decided they didn't wanna live there so they picked their bought up and they moved to the other side of the tracks they live like no one else so that later they could live and give like no one else consequently we see things like the five million families that have been through financial peace university you know what the number one data point between them being successful or the ones that are successful going through that getting out of debt and the ones that aren't the number one data point is to do a budget we can predict your success in financial peace university by the second class it's nine classes when you go through nine lessons the second lesson we can tell if you're going to be successful did you come in with your zero based budget done in every dollar the way we teach you no i'm my own version of dave ramsey i've got my own version of smart i'm i'm dave ramsey ish i'm going to do financial peace university each you're not gonna get we are i mean when people do something you've got good data okay we got good data we know exactly who's gonna make it and there's not we can study your baby until you if you keep on this path you are going to fail and you've already started down the wrong path so you gotta turn around and go back and start again.
"first house" Discussed on The Dave Ramsey Show
"Fund and the fifteen percents of your income to start saving for a house maybe step three and three b and four is what we're talking about there you know the baby steps that we talk about around here so we teach people to go up path of doing the laying foundation in your finances first and then moving onto your investing and the foundation is to be debt free other than your home i that's by steps one and two baby step three is having a mergency fund of three to six months of expenses not counting your college fund i'm talking about i faint thirsty we're gonna do for us college fund fully fund college a bank account so you need enough to cover all your tuition and living expenses through the time to finish school then all you're working for after that is investing you got colleges done you feel the piece that that gives you the actual rate of return on the money if you investing in you and finance and economics degree you're gonna make more as a result of that than you are on investments education is more valuable than investments when you're studying a good field of study like you are okay so great job fully fund college then let's build an emergency fund of three to six months of expenses then the next step will be to save towards a house and begin investing begin your ira's and those kinds of things at this point so i wouldn't add anything to retirement until i get college covered in your case because i just think it's essential for you to invest in you i and i think it's a good investment that twenty three thousand towards college thin right now are just leave it sitting twenty three's is the first thing you're almost there i mean so if you've got five semesters left if i've granny twentyfive for that plus living expenses through the five semesters so we need to get that up to probably thirty five or something right so we get it up they're just sitting sitting in the bank and then you can just draw down on it and pay things as you need to and then all the money you're working for is going to start going over into the investments and into your mergency fund and into your future but i want to take care of the now i don't want that.
"first house" Discussed on The Dave Ramsey Show
"Okay very good good for you okay so what do you do from here financially yes sob thinking well i may my first contribution to my ira for twenty seventeen it was only twelve hundred dollars but a plan on putting the full amount in there every year from now on and i also have a 401k plan through my job that i recently started and i'm going to be contributing to that as well so trying to figure out what the extra money that i'm making every year shot go ahead and start investing that money income investments and also show start putting money away for a house in the future the goal number one for you and it has been all along and it's why you're where you are is graduate from school one hundred percent debt free go one i don't wanna do anything that gets in the way of that how much money does it take you to complete your degree and is around four five thousand each semester for me i do have masters i have five or six semesters less you don't have the money in the bank to complete yet making the money as i do i know you got twenty three grand there so you were asking me what i would do my first goal is i think the best investment on the planet for you right now is you year incredible you're killing it you're a rockstar and i want you to first before you do anything else you've got plenty of time to make money and to invest money plenty of time you're twenty one your first goal is let's bank enough to finish school i wouldn't do any ira's i wouldn't do any long term investing i wouldn't do any house fund until we have enough in the bank to finish school once you got that then let's move then let's start working through the baby steps from there for you you're debt free so that'll be fairly easy will build an emergency fund would be your first one three to six months of expenses then we'll start saving fifteen percent of your income and then our in somewhere in there between the emergency.
"first house" Discussed on The Dave Ramsey Show
"In the lobby of ramsey solutions are up by from here in nashville where the question how are you day of your question i have a question regarding i should focus on financially right now okay so i'm twenty one years old i am in college right now and i don't have any debt i have twenty three thousand dollars saved right now oh yeah good what are you studying i'm studying economics and finance good for you where i'm at the university of south alabama good good for you and how did you get those so far completely free with three thousand dollars in the bank always make sure that ever two or three jobs always try to sell things lines own websites such as ebay or let go dot com any independent contractor jobs that may come to the city or nearby always try to do something like that to make sure that yes good good and what your school are you in i'm in my sophomore year right now well done thank you twenty three grand in the bank started the whole process with nothing nothing at all while very good and university of south alabama now why is that mobile alabama that's visually firm from i'm just taking online classes right now here in nashville by we'll be moving back home pretty soon okay cool so are you on a four year scheduled a graduate i should be graduating next year either december or spring of twenty twenty.
"first house" Discussed on The Dave Ramsey Show
"We take all maybe 'cause i i'm saving for retirement i have a stop or i mean stop it's okay all right let's see let's get on your trying to do three or four things at one time you're in a hurry okay and what we've found after thirty years of teaching people how to handle money the people that win with money focus on one thing and killing then they moved to the next thing and kill it then they move to the next thing and kill it and that's the ones that win when you try to do six things at once it ends up nothing gets done because all of your mathematical power gets diluted i also suspect that you're that you've probably over withholding i think you got too much coming out your check for taxes i personally i think i might i i think i come out about a little bit more too much withholding and she comes a little bit under but because i make more i think it does wind up we get pretty sizable tax refund your sizable tax refunds manger over withholding okay that's the definition up one more longtime that okay no more than that what was your tax refocusing well my tax refund last year was about five thousand dollars but i had a pretty good few credits to go along with it and because i was single for most of the year and i got married at the end i'll able to queen married for the whole year so that had a pretty good telling you what you may wanna do because everything's new and your tax situation because now you're married and you have the combined income and you'll be doing married filing jointly you may want to sit down with a tax pro and actually calculate what your taxes will be for eighteen and let's just you're withholding to that amount i think you're over withholding inexcessive five thousand dollars what i think i'm hearing.
"first house" Discussed on The Dave Ramsey Show
"Don't use it for college you're gonna get penalized okay well you don't we just want it to be available to them and then the other thing is if if it's in that it's in their name and so when they turn twenty one they're in control of it even if they're crazy where if it's in your name otherwise which as a parent i feel comfortable with the essay as a grandparent i'm not sure how comfortable i feel because i don't have as much control over this kid's behavior as i did if it was my kid was my kid i mean i'm just gonna i'm they're not getting it they can't find it i'll deal it if they're doing heroin i'm not gonna let them have the money you know good luck but now when your grandparents little more difficult situation so and you can't control their behaviors as much i we convinced our kids they were going to college because they had a college fund and we just talked about it all the time it was never really an alternate there was never really an alternative situation and so there's no no issue that the money was going to be used for that so but again grandparents from different seat i'm papa dave so i understand the grandparents seat it's a little different so that's the two things you could do either one of those and you certainly don't have to do anything there's no mergency but you'll just make a lot more money for them on the money if it were invested rather than simply saved when you invest your owner when you put money in the bank your lender and owners make more than lenders you're loaning the bank your money for one percent when you buy mutual fund you're buying you own stock in those companies that are tied up in that and you know you get the benefit of ownership over the time owners make more than lenders might so you think about business borrows money from the bank business makes more than their the owner they make more than the bank banks lender bank mexa pins and the same thing in situation we're loaning a bank our money in a savings account so anyway you can just check click dave.
"first house" Discussed on The Dave Ramsey Show
"Thanks for taking my call sure what's up in your world well have two questions for you the first one is i have two grandchildren for and six and ever since they were born we have saved one hundred dollars a month for them and god willing we want to continue doing that you know for at least till the twenty great but my best friend belinda who listens to you every single day says i have got to get this out of the bank and do something with it sure i am at a loss of what to do with it well there's two things you could do with it one you could just open a simple mutual fund in your name and just like i'm sorry a mutual fund like a growth stock mutual fund and for instance i own one of those that is an a growth and income fund it's called that's eighty years old and in the last forty years it's only had three or four down years all the other years have been up and it's averaged a little over twelve percent for eighty years so that's the average but and so if it does if it does half that good it's still six times better than your bank true so if if it really sucks it up bad it's still better than your bank that's the way i so anyway you could do that just opened the fund in your name the second thing you could do if you want the growth on the money to be tax free and they're going to use it for college you can do that up up to two thousand dollars a year which are only doing twelve hundred right now so you could do that into an es an educational savings account in the mutual fund like we're talking about same mutual fund but then we differences this is kind of like a roth ira for college and and and they can it grows one hundred percent tax free for college us now if.