37 Burst results for "four one k"
Fresh update on "four one k" discussed on Ask An Attorney / Audibel Hearing Aid
"969 9352 phone lines are open. He's away at a zoom seminar on Friday, the fourth one I'm doing these every other week. Now on Friday at 10 o'clock. We've had one. We started out doing one on just general estate planning. We did, then we did one on, um Asset protection. And then we did one on Medicaid. In this last one we did two days ago was on probate. So what? How we do this? It's about an hour long seminar. I talked for the 1st 30 minutes about the topic. And then we open up the second half of the 2nd 30 minutes we talk about we answer your legal questions. Most of those come in through the chat room on zoom And.
Fresh update on "four one k" discussed on Heartland Newsfeed Radio Network
"Real. Estate. What if you want to hear the latest episode of Free Talk Live but all you have is your phone. You forgot to download our archive and you have no data connection. You can call our listen line at six, four, one, seven, nine, three, zero, one, ninety, one that's a long distance number. So you may incur charges if not listen as long as you want six, four, one, seven, nine, three, zero, one, ninety, one, the free, talk live listen line six, four, one, seven, nine, three, zero, one, nine, one. You're listening to heartland newsfeed radio network live twenty, four, seven at heartland newsfeed dot com. This stream is supported by advertisers and contributions by. Follow us on facebook twitter and instagram. Know. Number one, hundred class. The professor one of the most respected people he said the greatest student he's ever that's pretty good. That's a little better than Biden when. Be running for president. A number of Democrats releasing statements on their opposition to bear it Senate Minority Leader Chuck Schumer held a news conference saying Barrett would undo everything that justice Ginsburg had done on the court and he said the nomination would mean less healthcare for one hundred million Americans. A case involving the affordable care act is set to go before the Supreme Court this year with strong opposition by Democrats could they derail the nomination? The short answer is no The numbers are there in the US Senate right now to make this nomination, go forward in time line that the Senate. Judiciary Committee chairman Lindsey Graham wants to and the votes appear to be there to confirm amy. Coney, Barrett for that nine C. on the US Supreme Court. There's very little that the Democrats can do even to slow down this process. So as we all know the president like her confirm taking her place on the US Supreme Court before November third before Election Day Functions Jon Decker one person was killed seven others wounded early this morning in Iowa when gunfire erupted at a motorcycle club in the town of Waterloo, no arrests have been made.
Incident: Wings AT72 at Ambon on Jul 3rd 2020, Failure of All Instruments
"A. Wings Eighteen, seventy, two or eighteen, seventy, two dash. Two, one to. At Ambon, which is in Indonesia was flying from Ambon to Babbo with forty nine passengers and three crew D my Indonesia accent. Yeah. I think you make an APP. I am was in the initial climb out of Ambon Putnam, Laura Airport's runway to just when just after becoming airborne all display units, standby instruments, communication and multifunction control display unit failed. All of it. The landing gear lever not good. No landing gear lever could not be retracted. Climbing through about two thousand feet the display units one and three partially recovered showing speed and altitude indications again, and about three thousand feet communication and remaining displaying its intermittently recovered and the landing gear retracted. They put their landing gear lever up and then finally goes. Okay. Yeah. Sure. You're up. You sure. It wasn't doing a Microsoft update or something might have been. So. I'm thinking. If this were instrument meteorological conditions. I believe we will be reading about the accident and terrible tragic crash of this flight however could easily be yeah without any insurance when you're going to do not ways up, right. Thankfully the weather was not quite as bad. I mean it wasn't perfect, but it wasn't IMC apparently. and they were able to maintain. Reference to the. Queues outside to keep the airplane flying straight and level and climbing all stuff aircraft stop the climate four thousand feet position for return to runway for about thirty minutes after departure but went around and enter to hold at seven thousand feet. The aircraft subsequently landed back on runway four, one hour fifty minutes past. Departure. In Asia Cayenne KT which I guess is there investigatory agency rated the occurrence a serious incident? Yeah. Open an investigation. There were no injuries and the aircraft sustained minor damage doesn't really say. How I can recall. Let's see. Then they go into a little bit more detailed by the way this is from the aviation. Excuse me. Aviation Herald. Let's see the weather during the situation was raining and the ground visibility was six kilometers. So you know wasn't. Great with not great. Let's see the. Starting process of the engines was normal when the aircraft taxied in lined up for runway to to. The aircraft took off and after airborne, the pilot verified the idol gate lever engaged I don't know what that is something to do with props. I guess suddenly all five display units and the integrated electronic standby instrument i. e s I went blank and the VHF radios burr off. the pilot glance to the overhead panel several lights eliminated. Consisting of the shed light on the D. C. Service utility busts, the available light on the external power push buttons. That problem they. Hit a great big generated. Along. With the we're just getting of course Pack lavatory detection engine boost. Hey we have a lavatory, we detected there. during the Situa- we just talked about that the pilot did not have flight instruments as reference for flight therefore, the pilot flew visually. about one minute. So everything came back and let's see why is it that they ended up holding for a while they run some checklist or something that the deal oh, I think he was waiting for the weather to improve. A bit before they came in for their landing. Yeah. Sensible. Relying, his attitude indicators. And other instruments. Yeah. Urinate Visual Reference Yeah. That was smart. So you know you'd think that was this the airplane that was kind of Pretty new or was that another one lows? Let's see Oh. August fourth twenty seventeen. Yeah. So it's Relatively, new airplane Not, sure. Exactly. What happened there some kind of electrical. Weirdness apparently yeah. I mean a supply problem but the thing that really concerns me as if you get a supply problem to you main instrument panels. Avis or whatever type of aircraft urine you would expect perhaps to lose some. But the one thing that should you should always bail rely on is you standby instruments they should be from a completely separate power sauce. Often. Just connected almost directly to the battery so that regardless of what else you've lost, you've got something to go on to help fly the airplane. the fact that he lost his signed by insurance as well. makes me seriously concerned about the architecture, the electrical system of of this aircraft. If, they find a full of manages to take out. So many buzzes by all buses that they also lose their same standby instruments that for me is a major concern. Yeah. I'm wondering if if that was something about the way, the electrical system was designed and manufactured or maybe. There was some kind of maintenance done to the airplane and they didn't connect all the bits and bobs correctly. I don't know I saw. The aircraft should be so capable on the ground before they get on something incorrect deep rooted of self diagnosing electrical problem If they wouldn't have got to have on, they had known that they had a major potential right room with their instruments. Sure. So this is just It happens. On a bus of had some problems in the pasta with unexpected glitches which have taken out all the display units but never have I heard of an Airbus having a problem with standby simultaneously that that is just nine national that is not supposed to happen. Ever. But did apparently in this case, and thankfully, the weather was good enough for them to maintain control their come. We had some pundits who had enough skill to bail to continue to fly the airplane the even relatively poor visibility with. Right around which meant horizon, the visual horizon would have been indistinct. They managed to interpret what was happening to the aircraft in their Themselves and not get fooled and not getting a situation where they lost control. So fantastic
MLB: Recent Game Scores
"Well, the phillies just choked away their lead against the mets they've now lost that's a final. They had a four one lead on the mets they lose five four nice job by the phillies tonight. So they blew it and they were up five one or. Four one they were up, they were up for one. degrom left the game after the second inning. He got hurt. Wheeler. Pitching into the eighth. Couple batters too many for him. And the mets then win it with a run the top of the ninth and Diaz close it out in the bottom of the ninth. Right. So I both ends of the cardinals brewers hit the cardinals for doing game one brewers nothing in game two. The Orioles evidently beat. They be called hamels tonight. That's what happened. Was He got lit up. Lit Up. Hamels yields three runs in his debut a five one loss. He gave up three runs in the third and that was it. He got the loss. So did I not call that today on Costa goes like oh? God. Here we go. With this guy, they brought him out of the addict. Yeah he's going to be a big big boost them for the postseason. Remember that. I. was telling the other night. You know they're really count on him to give him something in the postseason. Come on. I won't tonight a guy at a pretty good career, right? You can't. Early that year that goes you're the phillies won the world series. He was unbelievable. That year was the world series. MVP. If I remember correctly said royals four nothing, the Tigers mets five, four of the phillies the as beat the rockies three one, I hit that game the nationals over the race for two Yankees. Again, they've scored thirty three runs into games they won thirteen to two tonight. What did they do in that game? Did they have a lot of it must have had gone your boy Higashi Yoka with a couple of home runs three of them. Three home. All we did. He get a third third. and Dj Lemay you had to. Judge home runs in the game thirteen to two they win Garrett. Cole six and three. Are you happy now with Garrett Kohl's turnaround?
Behold the Glory of God (Ezekiel 8:4)
"Ezekiel Chapter Eight Verse Four. And Behold the glory of the God of Israel was there. Like the vision that I saw in the valley. The Reason I read this verse is because will this this whole Chapter Ezekiel Chapter? Eight Is Basically, a tour and sense. That God takes Hezekiel on and God shows he is equal all what's called the great abominations that God's people were committing against him all of their sins described over and over again as abominations. But the reason I read verse four one elitist to pray according to behold the glory. God of Israel. Poll the glory of the God of Israel was there like the vision that I saw in the valley the whole picture here is that Ezekiel sees. Such a clear contrast between God in all of his glory in all of His Holiness and all of his splendor and beauty and purity. Imperfections. And that enables him to see. How horrible? These abominations are the sins are against God. Like when we see the glory of God, the more we know the holiness of God, the more we will hate, send the more. We will see how serious sin is. So, if we ever find ourselves being casualness in things since no big deal. It is. Definitely, an indicator that we have lost sight. Of How glorious God is. The more we see. No God for who he truly is the more we will hate sin in our lives and see it as the abomination that it really is, and so we pray God. Help, US. We want to see and know your glory more and more and more and more. We're GonNa all throughout Ezekiel and. Other places bidding your word recently an X. thirty three and thirty four and I kings nineteen. We we praise you for these demonstrations of Your glory revelations of Your glory that you gave to. Moses and Elijah and Ezekiel and Isaiah an old testament and then what we read in John Chapter One verse fourteen that we have senior glory in Jesus and even for those of us who have not seen him face to face like those. Disciples did in the New Testament we praise you for the picture we have of Your glory in Jesus on the words of scripture in the words of scriptures. So we praise you for your glory and we say we want to see and know your glory more and more today got opener is wider. Got To pray this over every single person listening right now open their eyes wide open my eyes water to see more of your. Glory see more of your beauty and your splendor and your perfection your purity who you are got Elvis the see you more and more and more clearly, and in this got help us to hate sin Mar and more and more severely helpless aided I was to run from. It was to flee from help us not to flirt with and help us not to give in to temptation to it got elvis to run from San re pray. God help us to confess sin quickly when we sin against you. And to to hide in your grace and abrasion you all the more for your grace. God We. Pray the you would help us to see you more truly. Completely fully holy. And to see ourselves more, right lean. More humbly. To See sin in all of its severity. and to turn from it. So the We might know you. And Love You with all our heart soul in mind and strength and enjoy you to the full in all of your beauty and glory and splendor and holiness and purity and perfection 's all glory bdo. Name. Oh God help us to see know your glory more. In. Jesus name we pray. Amen.
Clippers vs. Nuggets: How the teams match up for playoff series
"It's the clippers nuggets this one tips today Thursday at nine PM Eastern. interrupters. Ton of Christ, says, this is weird because that is my sister. Okay well. I. Now, it's good. Good good It's too weird. All right. The clippers took two out of three regular season Games including one twenty, four, one eleven victory in the bubble. So let's get to the keys to this series clippers nuggets, and then we'll make our predictions task whether you're watching. Well, Jamal Murray is going to be the number one objective for the clippers defensively. They're just going to be a Angel Momma and I think. This is GonNa be one series where quiet Leonard has to guard Jamaa. I think whoever's playing point guard for them is going to be too little to guard Jamal Murray whether it's beverly or Landry Shamet and I think Paul George is too big. So it's just GONNA work out. That Leonard is going to be on Jamal primarily that's going to be as matchup like it has been the last two times they played during the regular season. So that's GonNa be exciting, just watching Leonard. Have to exert a lot of energy expend energy. You know it's not just your plan pick and roll Shimomura he's going to give up the ball. He's GonNa frigging run around off ball and he's going to be dancing and I think. We know that guys are going to help out. With those guys I just mentioned and if zoo this is going to be a really big really big series for him. We saw what happened in in Utah if Rudy Gobert comes up and plays Jamal Murray. The numbers change so that's going to be there huge huge vote because this is going to be so hard for me to go and come after what he just did. Now he's going to be watching Kawai. Leonard and I think we can sort of lock in on this end of the floor because I think this is Paul. George series to take over on the other end and I think it's good Paul George. He's he feels like he had a nice fresh manscaping grooming fact that the fact that this is a new series he should feel. A little rejuvenated. Also. Because he's not going to have a tough assignment I think going up on the other end. I think Jeremy Grants going to be guarding quiet he has all year. Paul George at millsaps Tori Craig's little too small former. Michael. Porter. I don't know about that. I saw Paul George should have. The Freedom and the ability just because the defender he's going to have to go offensively and. Can expend all that energy. So I think that's what's going to happen. We're GONNA have we're going to get Jamal come back to Earth a little bit because this is the clippers defense here. Yeah
Managing Suicidal Thoughts
"We started this conversation last week when I shared a few questions for you to check in with yourself about your mental health. And given that September is national suicide prevention moth. I. Thought it was important today to continue the conversation but discussing how you can cope and manage if you're experiencing suicidal thoughts, suicidal thoughts or suicidal ideation as it sometimes called often occurs when people are in unbelievable amounts of pain. Infield like there's nothing that will make them better. It's often a sign that people want to escape their lives for one reason or another. It's important to note that simply having thoughts of suicide does not necessarily mean you will hurt yourself. But it does mean as something's going on that needs some attention and support. The risk factors are things that might make it more likely that someone might think about suicide including several things. We discussed last week like unemployment isolation. Feelings of hopelessness and a history of trauma. Suicide risk also increases if someone in your family has died by suicide or if you've attempted suicide before. So if you've been experiencing suicidal thoughts, here are a few things I want to offer you that might help in those moments. Number one tell someone in get support. I know that this may be incredibly difficult. Especially, if this is a new feeling for you, our mental health is not something you typically share a lot about. A one of the things that can take some of the intensity out of these thoughts is to share it with a trusted person. Someone you know will listen and be there to support you. People with suicidal thoughts often few like there'll be a burden to loved ones by sharing their thoughts. But many loved ones are happy to show up for someone in their time of need. You can talk to a loved one, but also consider meeting with a therapist who might be able to help you sort through how you're feeling offer some support. And maybe offer some suggestions you might not have considered. Also remember in the US you can text the word tribe T R I B two, seven, four, one, seven, four, one in Tex- with a train listener twenty, four, seven at the crisis text line. Number to. Remove the means. Something else to consider if you've thought about suicide and have thought about how you might hurt yourself is to remove the means you use. This might mean allowing a trusted family member or friend to temporarily take possession of firearms, knives, medication or anything else you've considered using to hurt yourself. Number three. Utilize your coping kit. In session one, fifty, two of the podcast I discussed making a collection of pleasure well, activities calming Cents Puzzles and other things that can be useful to engage in when feeling starts to become overwhelming and you need to take the steam out of them.
Praying for Oneness in the Church (John 17:2024)
"John Chapter Seventeen versus twenty, three, twenty, four. This is a Jesus prayer. For the church. As, he prepares to go to the Cross and Managers Reading, these verses. Just, too heavy on my heart. So I just WanNa Wanna read them I want us to hear Jesus praying for us as the church and then I'm just GonNa go right in to praying precisely according to what he prayed. He said I do not ask for these only talking about his disciples. That he was prank for right before this but also for those who will believe in me through their word Which means he's he's praying for us right here. That they may all be one. Just as you father are in me and I in you. The day also may be in us. So that the world may believe that you have sent me. The glory that you have given me I have given to them. that. They may be one even as we are one. I in them and you in me. Did they may become perfectly one. So the world may know that you sent me and loved them even as you loved me. Father I desire that they also whom you have given me may be with me where I am. To See my glory that you have given me because you loved me before the foundation of the world. So God we pray together right now. In each of our churches. And in all of our churches collectively as your church. That you would. Make us one. In the same way father. You and the son are one what An. Awesome. Picture there, we would experience in the body of Christ, a oneness that is comparable to the oneness. In the Trinity God we asked for that. Please give us that please guard us from division. Gun Please Garda's from this unity for not living in the one that you have created for us. So that so that the world might believe that. You sent the son to die on the cross for sins. got. We pray for that the that the world believed like Reading this hearing Jesus Pratice to think that the world might not believe if the world does not see this kind of oneness and the church God pray for this one is in the church for our own good and re pray this for the salvation of so many people beyond the church in the world. God we we pray that we would be one together in the same way that you and the son are one so that the world may know that you send the sun and loved them even as you love the Son and God is re pray all this we desire that we would be with him where he is there we would see his glory glory. You have given him we long for heaven first and foremost because we will see you. We will be with you and flowing from that everything will be perfect including a relationships with one another in the church as your people no conflict no strife. And Hurt. No pain. Just one as the father and the son and the spirit are wide, God we. For that day and we pray we pray that you would help us to live in it. Today we live in such a divisive culture. or we are so prone. To accuse and to disparage into cancel for another to. Turn against or another instead of. Being four one, another God. Help us we pray. To experience what Jesus prayed for us two thousand years ago and how he intercedes for us even now. May John Seventeen versus twenty through twenty four. Be An ever increasing reality in each of our churches and an US together as the church we pray this in Jesus's name for Jesus. Glory.
Best Quotes Of Trent
"Okay Episode Nine, hundred and ninety nine today one more episode to go to we hit the magic one thousand tomorrow. I will be telling you how you can get a hold of private one on one session with me to talk about Your Business Your idea pretty much anything you wanted to talk about except soccer I don't talk about soccer because I have no interest but pretty much everything else last year episodes have been a bit long. We'll try and keep this bit shorter I wanted to share my five magic quite I guess if you like from the first thousand episodes, the first two and three quarter years of this show. I want I wanted to start with was in the empty lies the opportunity in answers. The Joe Question is the glass half full or half empty. Most people think that if you say it's half empty if you view it as half empty, that's a negative to me. It's a massive positive. You can't do anything about what's already in the count in the glass you can impact what's not in the glass. So it's the empty pot that to me is exciting next one value is in the eye of the perceive A. Lot of people talk about trying to create value edge rather than discounting, and that's fine. If what you're adding actually represents value to me not you a lot of times. What we do is we create these value adds that really don't add much value to the consumer to the end user in which case they kind of irrelevant third one price is relative cost is personal. To me prices a constructive the buyer. Sort of the Selah, not the Baya the Bairo McKay's about the cost, and that's the cost to them in terms of Dolla in terms of time in terms of if it and convenience. So if you are thinking about things in terms of your price, your not really thinking about it from a consumer perspective. So once you understand that all your consumer or your customer really cares about is the cost to them. Then, I think you're in the right mind frame to stop processing your product. The fourth one first impressions. Count Lost Impressions multiply. It always staggers me that in this industry of hospitality particularly whether it's hotels, spas or restaurants we spend a lot of time and effort on trying to get the arrival experience, right but not so much on the departure experience. First, impressions are super important mode out about it, but let's be honest. It's the last impression that are going to. Lingga. So first impressions count last impressions multiply because they have a multiplier effect on the impact of the head and the final one I'm not actually sure whether this was my quite a one that picked up from somewhere but I can't remember where picked it up but I think it's particularly relevant in today's world and that is the change is really easy. But often necessary. And I think that's something that a lot of us can carry through to today's world. We're all being put in situation where change is being forced upon us. It's not necessarily easy. It's not necessarily fun, but it is probably necessarily necessary, and if you really want to grow if you really want survive them chained to something and you're GonNa get your head around. So don't take changes negative. It's not easy, but it's necessary already. So
Blue Jays beat Orioles 8-7 in 10th after blowing 4-run lead
"Orioles blue a four one lead and ended up losing. Eight two seven and extras to the Blue Jays
Washington, DC - Public comment sought on Md.’s plans for toll lanes on Beltway, I-270
"You've got a chance to weigh in on Maryland's plans for high occupancy toll lanes on the Beltway and I to 70, but you'll need to register in advance online. The Maryland Maryland Department Department of of Transportation Transportation State State Highway Highway Administration Administration will will hold hold several several virtual virtual hearings. hearings. The The first first one one runs runs through through eight eight o'clock o'clock tonight tonight to to others others take take place place Thursday Thursday and then August 25th. And then there's another one, a fourth one September 3rd. There are also in person hearings. Those will happen in Largo in Rockville. The study will examine plans to build high occupancy toll lanes and or express toll lanes and even a plan that involves no new construction. You You can can register register by by going going to to w w t t o o p p dot dot com com Search Search tolls tolls
How to Evaluate Your Employees
"Now evaluating your team members, it's like playing a sport or game without keeping score, and then once a year or once a quarter. You just reveal the score to the team members eight. By the way you're winning by the way you're losing it's like they are unaware of how they're progressing in other doing and what they're being scored by the sounds like Zany game right like you don't know how to score or how to win and you don't even know if you're winning or losing until some arbitrary or reoccurring date, and by that time, it's kind of too late to course correct and to be quite honest this is really unfair unfair to the employee unfair to the actual business because you're not really getting the best out of them, you're not allowing them to do their best. This is why having an evaluation system. Four team members is really important. So we're GONNA make it very, very simple. First thing we're GONNA do is we're going to explain an online to each employee, each department, what winning looks like, and that is done by setting a set of KPI key performance indicators. What are the main things they have to do in order for them to be doing their job properly I'm going to give you an example somebody who is a digital marketer on your team. They might have a few responsibilities and let's just name say they have four responsibilities. The first responsibility is running paid at facebook and Google ads. Let's say the second responsibility is tracking and increasing your website traffic. The third is optimizing all. Your social media and making sure that you are growing your social media platforms and the fourth one is tracking an increasing your website traffic seo. The important thing about each KPI that you set for a team member is you need to say KPI's that are measurable. They can have some sort of gauge whether it's a metric whether it's a number whether it's some sort of score and some people they do like a scale from one to five or something in terms of how well they've done that job. I. Personally. Don't like that I like met not met meaning either they met that KPI or they did not that makes it very clear cut easy to understand and achieve either accomplished that. Or you did not accomplish it. So your job is to take a look at your team members each role in your business you may have three or four roles in your business right now maybe a marketing person, maybe a customer service person, maybe a salesperson may be a manager. The point here is that you're gonNA take each and you're going to outline four big KPI's an under each of them. You'RE GONNA make four clear indicators that they've met that KPI for example, let's say social media is one of the KPI's under they're all have four saying increased followers for all four platforms that were on the sea like it might be twitter facebook instagram linked in the next one would be. Increased engagement from the last time we were evaluated the next one why be mentions the point here is that these are things they can actually track and it breaks down what it means to do a good job with social media. One thing I recommend is as you are creating these KPI's and the sub points under them. The four points under them to reach that KPI you should do this with the team mate that's being evaluated with this evaluation with this. KPI. Metric make it a workshop make it something that you come and agree with together. We both agree that, hey, this is what winning looks like in your position once you've made a document, very simple document and you can really just create a google form. What we do is we say evaluation dates and you could set. That on your own, it depends on how busy you are. It depends on how senior they are in the business but you could do evaluations every three months. So you can do evaluation every six months you can do it once a year but no less than once a year in my opinion,
The real threat to mail-in voting
"President trump has repeatedly criticised voting potentially breakfast fraud. But. That's not the Chew Danger Tour Election System I'm Roger Chang this is your daily charge. What leads privacy insecure reporter outfitting was a breakdown of what would actually take to commit fraud on a wide scale spoiler alert. It's really really hard alfred thanks for joining me. Thanks for having me. So, trump has talked a lot about the potential for fraud with mail in voting but what is the actual riskier? The actual risk is not so much mail in fraud where you know p thousands or hundreds of letters are coming in from people boating, and it turns out it's not actually them. It's a foreign country pretending to be them or something like that. It's disinformation and sabotage to the mail system to the point where you think that that's what happened. because. If you can, if you can basically convince people that their vote was not legitimate, it really affects a lot of voter turnout i. mean it was basically the same concern about voting machines. You know hackers changing the vote on it, but now with our mail, right, it's not even about the the actual risk with it's just the perception that there is a risk or threat. Yeah. Disinformation obviously is much easier to to pull off than actually committing the fraud that that people keep talking keep saying will happen this November right and so. To that point, you have a nice breakdown of what it would actually take to commit mass frauds take me through the steps because it's it's fascinating. When you actually kind of look at it from that perspective go on what exactly does it take to commit mass fraud here? Yeah. So I spoke with election officials and some you know experts on how to vote by mail and it's a lot. It takes a lot to do just because of all the different you know checks and balances and safeguards that they actually have. To prevent this kind of thing So the first thing that you're going to want to do is figure out every registered voter who requested a mail in ballot. Now vote by mail doesn't just come to everybody you have to actually be registered to vote and in some states you also have to ask for an absentee ballots coming to you in some states it doesn't come automatically So, for starters, you're GONNA have to figure out. Okay. Who is registered to vote and who is going to. Actually vote by mail. So that takes a lot I mean obviously, there are voter registration records that are out there for the public or in some cases like in Florida Russian, hackers were able to steal the voter registration databases in two thousand sixteen, get that kind of information. So that part's not that difficult but there are some cases like North Carolina where it's confidential. Of who requested an absentee ballots so you wouldn't know until after election. Day. To begin with improves getting a male. A ballot in the mail. But now going into the next step after that is now that you figure out every person who's going to be receiving a ballot in the mail, you need to actually intercept that ballot. So obviously, stealing something from a mailbox is already a federal crime but you know if you're trying to commit mail fraud, you're already in this boat. So. Now that you know who you're looking at defraud, he actually have to get their ballots So you can do that by figuring out when it's going to be in their mailboxes and to and grabbing it before they do or you can change their voter registration records to have it sent to your address instead of you know hundreds or thousands of different mailboxes if. That doesn't sound incredibly difficult already to begin with. You also have to hope that whatever county there in doesn't do ballot tracking because no one I don't have a package arrives to me I check on that right I. Go see hey what's going on how come you know this thing I ordered didn't arrive yet. Now you have to assume that people who registered for an absentee ballot Are just saying you know whatever I don't care if it doesn't come and that's going to be pretty difficult in twenty, twenty, four one of the most highly anticipated presidential elections ever. There's people are anticipating an extremely high low voter turnout this year and you really have to assume that people are just going to. Think Oh my ballot didn't get here. Oh well whatever I guess I'm just not gonNA vote this year because if you report that your ballot never arrive, they cancel out the other one and it's a Different won T. so whatever you ended up stealing you know is just not really gonNA work. So assuming that you've passed those two first steps. Then, you have to get really good at forging signatures because a lot of most states will require a signature with your vote and that signature has to match your voter registration records. Now, if you don't know what their signature looks like, then you have to get really good at guessing what it looks like and as I said, a lot of voter voter registration records are confidential. And even if you do know their name and what they're registered as you know, what party they're affiliated with their signature is not gonna be on there. So you're gonNA, have to guess that and some places also require a notary or witness to also sign it. And some other counties also require personal information with it. So not only do you have to sign it. You also have to put some information like the last four digits of your social security number or your voter registration number, your state ID number that kind of stuff. So you also have to know that and again remember this. You have to do this for you know hundreds of people for to actually affect the outcome of the vote So if you've done all of us congratulations, you've done something that most election officials say is nearly impossible. Wow. So that that is a lot of I. Don't think he wanted the fact that some of these ballots have the ballot themselves have individual codes printed on them right there. It's not like you can mass print ballots. Each one has their own individual code that is tied to the voter. Yeah that is the other method of committing voter fraud that I didn't go through the steps up because that's even more difficult than what I already talked to you about So this is something that the Attorney General William Bar and president trump talked about that. You know other countries will just print out a massive amount of ballots and send them in other people's names That is nearly impossible because these ballots light as you said, have individual barcodes like set for each voter onto them and replicating those would be extremely difficult to do also the envelopes that the the envelope for these ballots. And the ballots themselves like they're printed on. Card stock. It'd be like if you were trying to counterfeit money, Gotcha. So yeah, even even more difficult use post offices. Postal Service has already warned about delays without deliveries and there's back and forth discussion about whether or not. It's getting even have funding for this resin. Trump has said has balked at the idea of giving an additional twenty, five billion dollars to the service to handle the stuff. Given all that I mean, do you think the credibility of this process is already undermined? The credibility is constantly being undermined. Especially if the PS changes that you were just talking about, you know the postal service has warned at least forty six states telling them. Hey, these ballots might not arrive on time. Because they need at least a week to to be able to send out to election offices and things like that and some states have policies where you know you can request a mail in ballot as late as November second So that's that's the people that might not get it in on time if you request a ballot. They're not gonNA, be able to send it to you overnight and send it back. For the vote to be counted in time because some states also have deadlines where you know if you're built doesn't get in by the end of Election Day, we're not gonNA count it. So several states are already working to kind of change that so I know that in Minnesota, they've already got a court order to change their policies where now votes will be counted up to a week before a up to a week after. The ballots come in. So they're trying to offset that the warning right now most from most election officials. Still if you're going to vote by mail unique descended in two weeks before it comes, but that's still going to be a lot of challenges and especially to the credibility of the system you know people that don't heed this warning but are still eligible to vote like might not be counted and that's going to be a big concern for. The outcome on election day and which might not even come on the day itself. You know processing votes by mail isn't the same as processing stuff like that you get in at a polling site like it's very likely. You're not going to know the full results on the day itself and it might take like a week or two weeks to count it I. Know in New York primaries it's taken up to six weeks for to Congressional primaries To count the votes that came by mail. So that's GonNa be another concern. That entire week where we don't know what the results are because so many are coming in by mail. That is going to be ripe for disinformation because there's going to be a lot of challenges to whatever results come in. and. That's another concern that election officials are are trying to offset by saying you need to vote early if you're gonNa vote by mail gudgeon and be. Beyond what trump and? William Bars said I mean, can you give me some examples of misinformation that's being spread and where it's being spread? Yeah I. there. There's been talks about. Eight hundred and forty six of votes that were illegitimate in Detroit. From reports over the last week or so and you look at that and people have important. It's see look these are people that are dead and they tried to vote. This is clearly an example of voter fraud. And these were votes by mail. Here's the problem with that. If you look at the full context of in the and details from the election commission's the eight, hundred, forty, six people who were dead and tried voting were alive when they sent their mail in. they they passed away like when that happened and like the election's officials in that state like they updates every month on like these are the people that passed away during this time. So they're votes are no longer valid and you know people to the cases like these all the time they point to cases of. votes not counting in states like California. For example where I think like you know thousands of votes that were sent in by mail were not counted in California and they say that's that's voter fraud but it's not like the thing that happened there was that the either came too late or they didn't sign it if anything that's proof that you know the system works in they're able to root out things that like we're not supposed to have gone through in the first. Place
Can I Buy a Motorcycle After My Girlfriend Dumped Me?
"Matt is in Washington DC I matt, welcome to the show. David asked thanks so much taking my call. Really appreciate it. Sure. What's up? Hey question. So I don't know if I'm over thinking this or but some twenty five years old and I just moved to DC, it'd be closer to my girlfriend and we broke up. and. So I'm thinking about buying a motorcycle for about five grand I don't know if I can afford it or not. I make a hundred and twenty grand a year. I've got about one hundred and fifty grand cash just in the bank, and I've got another hundred grand just sitting in fifty grand in single socks and their fifty grand four one K. you're kidding they do you got all of that in Holland us about a five thousand purchase. What's really going on six thousand I. Say it again sorry said what's really going on here how much is the motorcycle five thousand dollars While put out one hundred and forty, six, thousand dollars in debt. We'll write a check and pay all that off, and then we'll have a discussion about a motorcycle. And then by the bike yeah. I I don't I to investment properties I I rent where I live and twenty four grand on a car. But I don't know if I'm over thinking or not. But I guess if you know I don't you're saying maybe I am overthinking one percent of your life where he's is a five thousand dollar motorcycle ninety, nine percent of your life where he was one, hundred, forty, six, thousand dollars in debt. Yeah. Write a check and pay off your debt go by the motorcycle. Are you buying a motorcycle grieving over the girlfriend? Yeah. A little bit. Yeah. I want to do. I thought my weekends would be with her and now I'm out together. So I just WANNA go out and make friends and just kind of have stuff to do you know you can make friends without a motorcycle. Batman. Why why do you need a motorcycle make friends? The only down the only negative part about the motorcycles number one, the debts and number two it sounds like it might be some grief spending grieving over the relationship and the not that it's because it's not gonNA, kill you financial. You can afford to buy the bike. You can afford to buy the bike and set fire to it in the driveway and not worry about it wouldn't. It's not GonNa kill you financially but what you can't afford is to get into a situation where you react to. bad feelings in your life by spending. Yes you can't. You can't put that group in your brain that that group will destroy you long-term definitely will definitely will an and hear me clearly ma'am. When you pay off this debt I wanted to go ahead and get your emergency fund backup because I gotTa give it to you to have that kind of money at this age. That's great. You just doing a little bit backwards from what we teach you know. So go ahead and pause all your investments right now because I want to go ahead and get out of debt and then makes you get your three to six months out enough to. Do that he's probably just needs to allocators couple hundred grand if I understood right well as one hundred and fifty thousand in a savings in one, hundred, thousand investments no show you some of both it lets us all the savings. Yes. Hundred Forty six, thousand year paid off four thousand dollars, right? Okay. Pull some out of investments and make sure it's set aside an emergency fund can't him by the bike coke right and you get all three done. Then you've got your first three baby steps, we call them in place mat but just just search your own soul and look in the mirror and go dude is this just I'm just grief spending here. and that's not something you want to get into as a long term thing that every time I feel bad I spend every time I feel bad eat. Those kinds of. This is why we teach don't move until you are married. Don't make a life changing move because he said, he moved to this place for his girlfriend. I mean that's a different subject. We Dave Ramsey show so. Anthony Oneal show whatever? So I'll go with me. You're saying don't chase girls and boys around the country. And not unless you not unless you are married why move to the hardcore why move in with the person you are hardcore Dave Kinda move on I'm not saying on that. Yeah. But I mean chasing somebody you know moving to the city with the person versus. Moving in. Not Moving in. So you into the City House Oh. Yes. See I still I'm St-. If my daughter came home and said I'm moving to another city so I can be closer to my boyfriend I will have a problem with that. Yeah. I mean, it's not wrong. I'm just saying. You're up and ruining your whole life for the possibility of this thing to workout. I think I'd want some circumstances listed out around that before I would make that call. Okay. If it sounded like immature and flighty like she was being used up or manipulated definitely out if she's a strong woman, make her own calls. That's a different issue.
TSLA Stock Split Analysis
"Power here and today we were talking about some breaking news on Tesla's stock investor relations team in the after our session today announced the tussle redoing a five for one split on Tesla's stock in the after hours session right now as I'm recording tesla is trading up about six percents on the news after finishing the day down three percent the statement and full from Tesla reads quote Tesla Inc announced today that the board of. Directors has approved and declared a five or one split of Tesla common stock in the form of a stock dividend to make stock ownership more accessible to employees and investors each tackler of record on August, Twenty First Twenty twenty will receive dividend of four additional shares of common stock for each then held share to be distributed after close of trading on August twenty, eighth twenty, twenty trading will begin on a stock split adjusted basis on. August thirty, first twenty, twenty and quote. So if you're not familiar with the stock split, pretty simple concept basically for every share of Tesla that someone owns they will be granted for additional shares meaning they would then own five at the same time. The stock press will then be reduced to one fifth of the press that it is trading at at that time meaning there is no change to the valuation or the Market Cap. Of the company. So for Tesla, happen after the close of trading on Friday August twenty eighth and then on Monday, the trading will start at the new lower price with the additional share count factored in. So if Tesla Trading Fifteen, hundred dollars per share at the end of the day on that Friday new of one share on Monday, you'll have five shares each at three hundred dollars a piece I'm sure people have similar questions about. Contracts as well because this is a five for one split and not something a little bit weird like a three for two or something like that I'll options contracts will be adjusted in pretty much the exact same way. So if you had one contract for buying Tesla fifteen hundred dollars per share, for example, that will just become five contracts for buying Tesla at three hundred dollars per share say meth. So let's talk about the. Pros and cons of stock split. Obviously, there's no actual change to the company in terms of valuation. This is really just an accounting thing but the biggest pro is obviously that the stock price becomes more affordable to potentially new investors or even to investors that maybe just want to add one or two shares every month and can't afford to do that. If the stock price is about a thousand dollars over time, this benefit has become. Less significant with the advent of fractional share trading a lot of different brokerages are offering that now. So before you could about a fifth of a share of Tesla for three hundred dollars that's often presented as making stock split irrelevant. But that's not a perfect solution. They're voting rights issues with that. You don't have a right to vote if you only own a fifth of a share generally obviously, that's not gonNA, make a difference and. Some services do correct for that, but it is still a problem more importantly though not all brokerages offer fractional share trading especially internationally, which means by default there are some investors that don't have access to the number of shares that they would like to buy the logic and follows that if you do a stock, split your opening up the possible investment to more investors, that is what Tesla supplies as the reason here they say to. Make stock ownership more accessible to employees and investors. That's what stock split does. Even for those brokerages that do offer fractional share trading there are often limitations on those. For example, some don't let you do limit orders only allowing market orders for fractional shares. So I think that's the biggest one and there are knock on effects to that. If someone is able to by Tesla stock, probably more likely to follow a company more closely. And perhaps eventually become a customer whether that's something as simple as merchandise eventually vehicle and I think they're also much more likely to talk to their network about the company and about their products. So I think those secondary impacts are pretty important as well and can actually help with the fundamentals of the business. There is also some research that shows that stocks that undergo stock splits then up outperforming one study that tracked the performance of. One Thousand Two hundred seventy five companies that underwent a two for one stock split between nineteen seventy five and nineteen ninety found that those stocks outperformed the control group by eight percent in the first year and sixteen percent over three years a similar study from nineteen ninety to nineteen ninety-seven using companies that did a two for one three for one or four four one stock split found similar results eight percent over performance in one. Year and twelve percent over three years obviously though does not equal causation. It seems more likely to me at least that companies that have done well, and that project continued doing well in terms of the share price performance are more likely to do a stock split than those that have not but taking that a step further that means that a stock split is essentially a sign of competence essentially management believes that the share price is. Unlikely to fall significantly or there would be no incentive to do stock split, and perhaps they continue to believe that the stock price will rise creating more of an incentive to stock split companies don't want their share prices to get too low and certainly they don't want them to be lower than they IPO tat for example, for similarly psychological reasons it then just starts to look like your stock is actually underperformed. So if you. Do a stock, split your expressing confidence that that's not going to happen and I think that adds a nice little psychological benefit to the announcements of stock splits and probably plays a pretty big role in why we see stock prices jump on the days that stock splits are announced.
Unpacking everything Samsung! (with TK Bay)
"Originally this week we were going to have high may on. As. He tweeted like his grandfather tested positive. So best wishes to him and his family he says that he's feeling okay. When you did get tested, he has he doesn't have the result yet, but he to get tested so that everyone is okay there But yeah, like just when when, when I was supposed to schedule The podcast with him this week to talk about unpacked, which is what this entire episode is about Yeah. He was dislike I'm actually getting tested right now and I was like Oh snap. Okay. So then when you and I went to hang out I, realized that you a you you, you made the right move because I don't have the Galaxy Watch. It was pure luck I. I didn't realize that people weren't getting them right away. Some people did but you know like Fisher I think got one but a fisherman Fedex stuff. Yeah. Yeah. A few people did and like you, you just realize that best buy already had it and then what I love is we're going to talk about this stuff a little later we're still in the check in. But when you never hanging out and you were showing me the watch was just like Oh, snap like how'd you get this and you're like best buy and then I was like a part of me was like I I'm pretty sure I'm GonNa, get a review unit still like whether it's jv pocket now but I have to wait for it and everyone else is doing their content on it. But. What I love those I was like how much is it and you're like I remember you said it quietly. Inexpensive it's it's more expensive than the Pixel for a that's how bad it is said. So quietly that I thought, you said one forty nine. Oh No. No no no. I my version is forced four, thirty, four, twenty, nine, ninety, nine, four, twenty, nine. Starts at three, ninety, nine for the forty one millimeter bt goes all the way to four eighty for the LT forty five I don't even want mobile connectivity on my. So here's a I have a gear frontier. That is, is Lt Model, I, bought it many many years ago so I haven't line that's on my account with T. Mobile. It's free was a promo that they did whereas the watch was free and I don't pay for it. So of had the line for ages I, don't use the gear is three frontier. If I'm going to pick up the watch which I actually Kinda liked this one so I would rather keep that. So replace the L. T. E. S. frontier with the watch three front What's it called forty-five it's a good design it's new it's updated has it's a lot faster and and of course, it's the What I like about it is de Notification Call Push. So my calls and my notifications pushed from my phone if I step away from it. And I can respond as if I'm responding for my phone on the watch. Okay. I'll tell you there's a little bit of a yeah. There's a good factor of it at obviously you have to pay for it data's crap. So but it's not like you're gonNA. Download anything, it. It's functional and I feel like that's where the function is for connectivity and remote connectivity cheers device. So we're going to get more into like other stuff with the watcher later, but there are a couple of other things I wanted to sort of throw into the check in. Picture froze for a few seconds. I'm sure it did. It happens. which is funny because like you would think that people like us who do this kind of stuff for a living our Internet connections would be great and whatnot. But here's the thing we have houses full of devices that are all on the same network and it's Absolutely I I have literally three Wi fi router sitting close each other one on a two point four, one on five one, six wile. That's nice. It is just Mesh Network in here. She was Google in my house. That's all we have actually what for this one system we're doing pretty well. No no it as long as you know your neighbors also, but I think in my area there's a lot. When I turn on Bluetooth or Wifi is lot networks. So everybody and their mom is on, it's a it's OK-.
Coaches Poll top 25: Clemson, Ohio State lead first college football rankings of 2020 season
"The status of the 2020 college football season has been in question since the Koven 19 pandemics Shut down Sports in mid March. There's they brought some normalcy to the college football world, though. As the preseason Coachespoll was released to the surprise of nobody in two teams of top tier quarterbacks found themselves at the top of the list. Clamps unranked, racked up 38. Excuse me first place votes and leads the way at number one Ohio State, which lost the Clemson The Fiesta Bowl semifinal last season, grab the number two spot with 17 1st place votes. Alabama followed a number three with four first place votes. Defending national champion Alice You chimed in a number five and was the only other team in the pole with a first place vote
LINK Crossed With BTC My Favourite
"Just had the new candles clothes orphan they. I should say five percent on yesterday closing at eleven thousand, seven, hundred, sixty, three, dollars, five percent once one knock that out the window that's the biggest move. The we've had next to the eleven point two, five percent that we saw. That's the biggest moves back on the first of June. So it's not significant ladies and gentlemen it is not insignificant at all saving and push on three bright the highs get above twelve thousand and really stop this pump moving. I was sore theory that I closing up as well to when I sent. It closed at four one the first time its theorems closed above full hundred dollars in this most recent run the I close above four hundred dollars since. Y on even know when the child I'm looking at federal shot. Now, I haven't got data that goes back that far. So it's been a while it's been a wall are also looking really you I for a two is sitting at rotten out. Superb looking knock it there on a theory just doesn't want to slow down I. WanNa see that four hour kick on a bit more. EXA Pay. Off The point four percent, the old quiet shave this one x updates sitting at thirty cents on the dealing rotten out closed just above thirty cents a guy in another market, the close above a significant level So we'll see how that goes throughout the day bitcoin cash. We'll get closed up one point seven percent as well. And? It's Five one five at the minute. So nothing too crazy out of the out of the rooms above. Madness, it's a lot cleanwater, fifty, nine bucks art we closed. Up Two point one percent yesterday. It was up two point seven, five them with sitting at two, hundred, thirty, three dollars, seventy six in what looks to be potentially the beginning of a very bullish day across the dymock it's called Donna was down point seven a little bit stock Dick Donna with hanging around that fourteen percent mark. The minute needs to do a little bit more from honest finance number two as far as liquids. So as far as moves went yesterday bitcoin being the number one bonnets to full point three percent closing at twenty three to twenty seven very nice up and shot that actually waiting pullbacks. Three dollars and seven we closed up point six today link. Well, it closed down two point six non but a tell you what I'll tell you. One thing it's looking very, very nice and if you look at Link Bitcoin, let me just check now to make sure did give me a not for its in the cradle. On the our China Link Bitcoin. China bitcoin that is one that on stoking today very very closely yesterday got filled on hominy. Hominy US Dollah Tetra. Longtime position on the daily looking quite Nas I. got a really solid move out of the candle back on the sixteenth of July and. That I was up nine point, three percent. So sitting pretty there hopefully should be just about a Ramli one to one tie. It's very I think moderate actually got the just boy visual sense to check the account. because. Look. In Arkansas you a couple of things that are really important that you're GONNA to have to learn in these next bull run. It's not gonNA come from May telling you what to do. It's GonNa come for me telling you what others done. Yet accurate member. WHO Was it back in two thousand eighteen? And this chat was A. Look to be honest with you saw two, thousand, nine, hundred, he he came to my law, of course, the two day. event. Honestly. He had a really bad attitude about writing I I really truthfully he came I got on a street is I. Don't know why because he was so maybe he was looking for help but he was looking for that inspiration a diary night but he was so insult, he was so negative about trading. He was telling me that hey, couldn't try it. He didn't think he could be tried. And The pull back I'm thinking how do you get to this point and I realize what he was doing was was trading what he was doing what he thought was trading but he was punting he was just putting away had no strategy syndicate? Will you know he's off interesting for wall of I'm not sure can be tried of lava. We'll you need some structure because I do I said Okay we'll wrought down. On a piece of pipe you strategy. Tell me what it is. Tell tell me what you're looking for. and. He said all I don't really know I feel that I am looking for certain things and what are they said things write them down. And he couldn't. They couldn't brought down anything. It couldn't even Dan one. One element of a checklist and I'm not saying that checklist of the to do it, but if you don't know you strategy. What are you doing? What are you doing? You ponting. Don't do it. You lose you will lose money you will lose money.
Mulan is heading to Disney Plus on September 4th for $30
"We begin with Disney, which announced that it is going to bypass theaters with live action a deputation of the film Moulin and bring it straight to the Disney plus streaming service for an additional fee. This is not a streaming experiment, but it's born at a necessity. The film was originally scheduled to debut in March but has been pushed back many times due to the pandemic and movie theaters being closed. Now Milan, will air on. September. Fourth One night only for a thirty dollar fee.
How to Run An Amazing Virtual Event
"Welcome to another episode of Marketing School I'm Eric. Su. Neil Patel and today we are going to talk about how to run an amazing virtual event. But maybe we'll get some context everyone I as to what are amazing virtual event was I. It's a growth accelerator virtual events we had. Let's give some people some color what we have. We had to mazing speakers we had great networking one networking with speed networking. Group networking and we had chat to connect everyone afterwards we did this over the course of four weeks. Each week is about three hours or so we've ended hot seats where we help people with their business and people were helping each other. You know we aren't able to do live right now. So we decided to do are virtually event and we wanted to see how he would do with that. So it's a new challenge for US Neil you want to add some more color to that before we talk about how to be amazing. Sure and I know some you it seemed like is virtual events really worth day she ended up doing it if you do it right it's definitely fun eric and I had a blast doing it not just as the host but we learned a law. We've got to interact with a lot of people and there's ways to set it up where almost like a real conference when you're interacting in person as well and if you do that ends of the really fun experience, a couple key. Things I think just to let everyone know we didn't get it perfect I. Still think we're improving this Neil nihar driving to do the best we can with these live or virtually the verse to we made a lot more mistakes than the third and fourth one really gotten. Yeah. Our Ratings at seven on the first one that it improved like an eight one up to a nine state at nine for the final one. But yeah, let's talk about it. So a couple of things that. We maybe we should talk about the mistakes we made. I think some of the key mistakes we made was not vetting detect platform enough meaning. So we use a new platform called hopping. That's H. O. P. I. N. before we moved back to zoom but that's where I can talk about that later. But what we've learned is that you can't just say these people speak these events and they're experiencing you have to test every single person which I think meal night we've always been on. The other side where it's like Oh God we have to go to ten minute test again, and then it's like you do it every single time but there's a reason for it because you don't want to be a weird in our first two speakers the very first two they had tech issues we had echos people could enjoin didn't know how to share their screen. So we just had a lot of issues and if we had tested with every single speaker, we would have had much experience. We would have much much smoother experience. The big thing that. I ended up learning from this is you don't just want to use this that makes it seem like glorified Webinar. That was the biggest mistake that I think we made and we got that in be back as well. If you do it through things like zoom and the way it was set up in Eric, you should probably talk a little bit more about this. 'cause you did more than I did on that and especially we were able to make it seem like event where you're not working learning from others almost like in Nevada versus something that was glorified Webinar that would be done over the computer. Yeah we got really good feedback from one of our members Ricardo. He was making it a key point to just say, Hey, look, we use hop in initially because the week before I spoke at virtually bend had nine hundred people or so it had some interesting features which we can talk about. But we ended up switching back to zoom meetings not zoom Webinar like right now we're on zoo but our and you can see we have a couple of days in here we can't see their faces we can't really interact. So instead what we did is we did a zoom meeting. We did it Brady bunch style so we can. See Everyone's face and the presenter would speak and then people would amuse themselves and then they would basically asked her questions and then it would be an interactive thing instead of someone reading the text and entering the human connection the bonding there is more of that granted were not in person but that what much further and the final thing I'll add to zoom is we ended up using breakout rooms, breakout rooms, put us into separate groups of five where we talk about Seo or different books or different prompts that allowed for even closer bonding. So we're glad that we switched back to zoom for those
"four one k" Discussed on WGN Radio
"To this launch good to be here with you soon okay so I know you specialize in working with couples in the fifties to early sixties why is it that that sort of time we start to look at things well folks really need at that age category destroyer taking another look at their portfolio a second look what ends up happening Steve is over time full is tend to become riskier the market's going up we buy things they look could arm our advisors by things look good they go up and we tend to start forgetting about risk and when you're late fifties early sixties it's a really critical time because basically what you have at that point plus maybe a little bit more has got a last you for the rest your life so you cannot have big losses at that stage the time of life when you start to look forward counting down to retirement right and if you're not there yeah and don't get me wrong when I say be careful of are risky it doesn't mean you're you're gonna miss out on growth our portfolio are fully invested all the time but they're fully hedged their protected they have a downside protection tell me about that because the idea sometimes if you if it sounds like sometimes you're too you're putting your wagon in the garage and you're getting out of the game but that's not know which are not at all not at all our portfolios stay fully invested in the market all the time but their hedge their protected is like having a safety net underneath your portfolio or portfolio insurance if you will a **** or a what do you call in your steering wheel that the airbag it's like having an airbag if you get an accident you can only go so far and you're protected that's how we structure portfolio so we still have tremendous growth but we get away from that tremendous downside risk what percentage of people who come in to talk to you are in the position they're supposed to be in very few yeah very few in it and it just happened Steve we've got a a three part process start meetings the first meeting we sit down we get to know folks by the way what I'm describing we were into complementary for the first five callers today we sit down we'll get to know folks we understand what their goals are what what they're looking to accomplish the second time we sit down together we give them in writing a complete analysis of their portfolio how much wrestling have income growth potential they have with your performance cost right and then the third time we sit down with him safe we make any recommendations that are necessary to get them in the right spot for this time in life and so when they come in and after that third time I mean it you if it's got to be it must be encouraging when you can tell people that they're on the right path but if you had to be tough sometimes to say look you've got to make some changes to get to work it's not that tough because most people most people come in with a feeling like I am I don't know that and really in the right spot and they end up feeling really good when they have something to wrap their arms around they've got a plan they know what they should be doing at this stage I so it's it's empowered so in its reassuring in a way just to come in and find out that you're now on the right path absolutely and and and I hear that all the time you know are we on the right path re doing everything that we should be doing and and folks feel really good when they get they go through the process to lead fifties the sixties right I mean early fifties still too soon or one early fifties okay job but but if you're late fifties early sixties it it's really time to come and sit down and so it must be sort of like a marriage counselor at times as well the husband and wife sitting there each with different ideas of what's going on yeah but by the end of the process they're pretty much on the same policy like that your account so you bring not intensely but it it ends up happening I will walk me through it and a little bit so people come in they realize their bill I think I know that we need to re adjust some things here what is it that you look at our how is it that you put this together well we look at how their portfolio structured right now and we do a complete we do Morningstar analysis of it produces a three page report for them in writing and it helps them understand just how much risk is in their portfolio how much growth and income potential they have an importantly what they're paying because there's a lot of hidden cost tell me about that mutual funds Waterbury crosses Harry Mitchell five four one K. plans you think your four one K..
"four one k" Discussed on KLIF 570 AM
"You to working together in your your financial firm and practice creates a dynamic where you've got the legacy plan built in to the firm during the break, we were talking a little bit about the fact that you also try to help families plan for that and create that kind of legacy atmosphere, your clients a lot of times you encounter them at a certain point in their financial lives. The transition into retirement is a common one. But you also make it a point to try to bring into the conversation generational planning and help their children and grandchildren begin their financial. Foundations a lot of what we do is as we work with our clients, many of whom are in their retirement years. One of the things that's very important to them is passing down their values. Not just saving up their money in their wealth in passing that on to their family. But they're. Values what they've learned over there years working in retirement than wonder children as well as their grand kids to learn the same things working with my father and growing up with my father that was a big portion of my childhood, and that's still a big part of my life. So one of the things that's important to us as as we work with you know, what a client who may be in their in their sixties or seventies is making it a point to. Meet with talk to on the phone with doing whatever we can to help out their children, whether it be college planning or beginning allocating for their four one K doing essentially the same thing that we did with their parents providing that same service. We also found in that area is a no sound a lot younger, but I'm fifty four, but whenever people do get into those into their later ages into their retirement years. Most of you wand up wanting to transfer your asset in your values down to your kids and your grandkids. But you wanna do it in a way that it really enhances their life rather than takes away from their life. So we work a lot with the estate planning aspect to make sure that that that assets are transferred in a way for one thing that there's no confusion. It's often that beneficiaries of the kids and grandkids of a couple there'll be some confusion in that in that that's something that can so easily be avoided with proper planning..
"four one k" Discussed on 710 WOR
"Alone is about thirty four and then also get child support. And then plus his average averaging about a thousand a month. Their minimum. So okay. All right. Yeah. You should if you're making eighty thousand dollars a year, your take home pay after taxes should be an excessive five thousand and so. Have you got have you got you got four one K coming out at work? No, I do not stopped it. Okay. Do you have any other miscellaneous junk coming out of work? That's not health insurance. Life insurance? All right. Okay. The first thing is you're gonna have a huge garage sale. Right. The second thing is is you're going to have to prioritize and not pay some things. So that you get current on the most important things. I it's ludicrous that you make as much money as you make and you're behind on your rent, and your food and your cars and your lights. Okay. So here's your priorities. Okay. Nothing gets paid until you bought food. Then nothing gets paid. You got money left after that. Nothing gets paid until you've got your utilities current. Is in nothing gets paid until you got your rent current. Then nothing gets paid you following this kiss until your cars are current. Now. We've got food shelter clothing, transportation and utilities. The basic necessities of life are taken care of your current on all of those. You're not going to get thrown out in the street. Your car's not going to get repoed, but you're probably further behind on the medical bills and the credit cards, and they're all screaming at the top of their lungs, and I don't give a rip. Okay. I'm going to get to them. But they're by far less important than your rent and your lights and your water, and you make way too much money. Right. It'd be this, bro. You cannot go to a restaurant ever again unless you're working there. Until this mess is cleaned up. Guys, eat out all the time. We did we haven't in a few weeks, you're done. Not going on vacation. You're broke right. Okay. No. We're not doing anything except working in any any extra that your husband can do to create some money with these two barber shops. He needs to be doing it needs to be working all the time. Big garage sale. This saturday. A whole bunch of crap you bought at Christmas probably needs to go back and be turned into cash. Right. So my question with the baby steps after you're not to baby steps yet. We gotta get your current before you start the baby steps so current on the basis of everything all the credit cards. You.
"four one k" Discussed on Listen Money Matters
"Car, your IRA or four one K are not going to help you right? So you know, it's like max v Ken or if you have all of your other pieces, like your emergency counts setup. Okay. What about me for five? I I'm thirty five I make about one hundred thousand. Yeah. And I own my own business, so self employed. I'll say that basically a freelancer. You have an LLC do. So there is a benefit there. You matching contributions to yourself is. It's like. To in this hand, or no, it's like six in this half a dozen in the other. It's kinda the same thing. But because I know you, and you are not going to stop working, and you know, hopefully, you continue the work you have done will amplify that would me think that in the future your tax rate will be much higher than it is now, and you'll have more money coming in to be taxed so for you you wanna pay taxes now when the rate is really low and let it grow for a very long time. And when you withdraw you don't pay any taxes. So you wanna do a Roth IRA preferably a set because you could take advantage of higher contribution. Limit got it. I think that covers the bases. Copa does for the for the blueprint? If you missed anything in this episode, if you know, we'll have everything in the show notes don't have to worry about that. You can either check your preferred podcast app or visit listen moneymatters dot com slash show..
"four one k" Discussed on Listen Money Matters
"And then we talked about traditional versus Roth. Those are those apply to IRA's as much as they applied to 4._0._1._K's. So you know, that's going to obviously, depend on your situation. Right, which when you want to choose, and so if you have a 4._0._1._K, I think it is fair to assume they won't say traditional for when K, but it it will sensually be pre-tax right with foreign case. I think they would just say a Roth 4._0._1._K that's what they do say the word traditional whereas IRA's. They always use the connotation. Right. So, but you know, we're for an IRA. Getting them super easy. And you know, it's your individual. You can set up. I have one with betterman. I've Roth IRA with betterment. I'm I max out the contribution at fifty five hundred next year. I'll be able to do or two dozen nineteen I'll be able to do six thousand and hopefully that continues to go up with inflation. I'm sure it will. But I think they're a little bit behind. You know, I had this piece in here about the the eligibility of an IRA. And this is what this kind of sucks because if you earn a lot of money. You're going to want to use an IRA, but it caps out. Yeah. So. Now, if you have a or if you're eligible for a four one K plan with your company, you may be prohibited from claiming additional. Claiming attacks duck.
"four one k" Discussed on News Radio 920 AM
"Manny those written income reports lineup to a four one K amazingly because you can put in your actual 4._0._1._K. So if you bring in a four one K statement from your employer, it can go right into the income statement is absolutely amazing. How to figure out what a 4._0._1._K will actually pay out? It'll lay it all out. It'll tell you how to treat your social security it'll trigger pensions it'll trigger. Well, just any financial document. You have it's actually really needs CD's in one place. And what it does to is is if there is a shortfall for your income. It tells you how to continue saving in your 4._0._1._K in what you have to do to actually get to that that missing component this, no stress. Well, let's dive into savings is. So if we're going to talk about 4._0._1._K first thing we have to do is talk about employers so employers start by putting a 4._0._1._K into the business in which you are working and you have thirty one flavors. You have thirteen flavors. You have a lot of invest. Inside of the 4._0._1._K. I don't think those matter as much as your contribution. And if your employer matches there could be a profit sharing. There could be a major match at the end there could be a match during the week. There's all kinds of processes that happen here. I think we need to kind of walk through a little bit of that to kind of lower this. Well, I picked the wrong investment. I I'm in fixed. I'm in. I'm in the market. I'm in this kind of stuff. I don't think that's as important. And I just think we need to kind of get some of that on the page. I that you've taken up some space in my head here. You're you're renting some space out in there. So because when it comes down to it. Oh. No when it comes to the fore. I'm.
"four one k" Discussed on KLBJ 590AM
"He's retired. And has a question about required. Minimum distributions so Thomas, what is your question? I wanted to know some things about our as I currently have a traditional IRA on our a rollover and also have a raw Souray and the question was when you start taking REM dis which I will be doing next year. I know you have to total up the balance the IRA, but the Roth I R A included in that balance that you take your are in the from. Yeah. Great question. Great question. So when you calculate the RND amount, what you're gonna do is you're going to add up all of your pre-tax accounts, your traditional IRA, your rollover IRA, your 4._0._1._K, if you're not working are you still working right now are you actively contributing to an employer plan? I am not working part-time only, but I'm not contributing to an employee plan that okay? So if you were. Working you would be able to exclude that current 4._0._1._K. But you're going to add up all your pre-tax accounts, traditional IRA, rollover, four one K. You are not going to add the Roth IRA value in your calculation. And so what you basically have the pre-tax you're going to exclude the Ross, and then this is actually when we're building when we're building income plans for people, we look at different and distinct categories of investments, the pre-tax the Roth of the brokerage account, and he savings, and so as we're trying to figure out how to get people that paycheck that retirement paycheck. The the money will come from different places. Now have you ever thought about so you've got this Ross, and you've got the pre-tax accounts. Have you ever gone through any sort of Roth conversion calculations have you ever considered anything along those lines? Well, not only the heck considered it. I've done one, okay. About three or four years ago. And I'm I'm going to be doing another one because this is my last year. That's I'll be seventy and a half next year. I'm going to do a second Roth conversion from my traditional our way the issue that kind of sidelines. A lot of people is that. So what what happens with these Roth conversions is you have these pretax amounts. You effectively take a distribution? I e earned income for whatever you want to move from the pre-tax IRA over to the Ross. So a lot of different factors. You know, kind of a way on the viability of this move what your taxes are now what they're going to be leader you overall financial situation. But the thing that trips.
"four one k" Discussed on News Radio 920 AM
"Again, that's four one seven two seven twenty seven twenty-seven. Manny those written income reports line up to a four one K amazingly because you can put in your actual 4._0._1._K. So if you bring in a four one K statement from your employer, it can go right into the income statement. It is absolutely amazing. How to figure out what 4._0._1._K will actually pay out? It'll lay it all out. It'll tell you how to treat your social security it'll trigger pensions it'll trigger. Well, just any financial document. You have it's actually really neat see in one place. And what it does to is is if there is a shortfall for your income. It tells you how to continue. Saving in your 4._0._1._K in what you have to do to actually get to that that missing component, no stress. Let's dive into savings is. So if we're going to talk about 4._0._1._K first thing we have to do is talk about employers so employers start by putting a 4._0._1._K into the business in which you are working and you have thirty one flavors. You have thirteen flavors. You have a lot of investments inside of the 4._0._1._K. I don't think those matter is much as your contribution. And if your employer matches there could be a profit sharing. There could be a major match at the end there could be a match during the week. There's all kinds of processes that happen here. I think we need to kind of walk through a little bit of that to kind of lower this. Well, I picked the wrong investment. I I'm in fixed. I'm in I'm in the market. I'm in this kind of stuff. I don't think that's as important. And I think we need to kind of get some of that on the page Joshua that you've taken up some space in my head here. You're you're renting some space out in there. So because when it comes down to it. Oh. Yeah. But no when it comes to the. I'm.
"four one k" Discussed on News-Talk 1400 The Patriot
"And i will be happy to send you an email copy of it as well either way six page article and we'll give those numbers again as we get as we get further on down the show now brian i i'm running across more and more these days people who have four one in case you do four one k rollovers at your practice as well yes sure and when when people leave a job whether it's to retire or just to go to another job it's a good idea to roll those over into an ira and if people have pretax money and post tax money do you see a lot of that in your practice as well people maybe got to do a portion of it into a roth or at least they have some extra bonus money that has already been taxed mortimore yes as the option of the roster coming up a lot more available to be able to contribute there's more people get educated about how taxation works and you know strategically getting money in different buckets then yes it's it's nice to have money in different buckets so to speak to draw from and retirement you know a class we teach through the prepares to to really talk about how taxation and retirement works on all different types of assets and incomes were really dial in how porta this to really take advantage of all the different types of retirement buckets so to speak to retirement accounts in other words i still feel it's very important to save somebody in a pretax position because what we wanna do is get enough money into that pretax account where would you retire the standard deduction eat up that and so essentially what that means is you're saving on a pretax basis so you're getting attacked action going in but when you take it out as long as it's below a certain amount we can pull out tax free because the standard deduction eats it up so essentially what you're doing there is the best of the best because you're getting a tax break going in and not paying any taxes on on it comes out that's better than roth ira so as long as you don't have to much in pretax bucket but enough that that can work out in your favorite tremendously then you wanna make sure you don't save too much there then you start funneling money into raw through other buckets so you have different sources to be able to pull from when you retire older to take advantage of the tax code at that time now that's a pretty complex stuff but that's what's taught these educational courses how to properly do that and how to understand how the taxes at work so you know what you're doing you know i often say this all the time and i i believe in this you know saving for retirement is very very important and everybody knows that but how you say for retirement in what accounts and how you do that is more important and so it can ultimately bring much more.
"four one k" Discussed on 106.1 FM WTKK
"What it traditionally is is a company sponsored retirement account and it's tax deferred which gives you a nice benefit if you are in a lower tax bracket but who wants to focus on being and lower tax bracket a later time in your life think about that that's kind of counterproductive if you think about the fought process behind that but regardless of that it was originally set up to be a savings account it was supposed to supplement pension and social security they call it the three legged retirement stool that was the term that we utilize when the keough act eventually brought the first four one k and they call it the salary reduction plan that was the name of it and the reason is because it was a savings account where you as an employee of a company who are going to be able to take some of your salary out before you got paid put it into a savings account so you reduce your salary salary reduction plan but that money went into a four savings account if the pay tax on that money until you took it out later on and it would grow at a very low rate but it was a virtually no risk position negligible risk it was not supposed to have the risk of wall street the risk of the stock market was meant to be a savings account and the problem is that when pensions went away and they're gone pretty much gone all around the country the four one k was the last person standing last man standing social security there's not a lot of money in the account the baby was probably get paid most people if you're relying on social security you're under the age of forty don't count on it there's no money in the fund it's a bankrupt fun they use the resources and other places rather than to preserve for you to have money then retirement age to live on and so what's left is four one k and that's a problem because first of all it's a finite amount of money which means it can run out and second of all and this is the biggest problem is that you have some wall street institution who's the manager the trustee of that account you got a wall street firm was managing your nest egg and they're competing for the same profit on the field that you're competing for think about that that's a dichotomy of interest like that term that's a conflict of interest and the problem is is that the mass is just blindly follow this process and we believe here at bulls and bears it you could do a better job if you took that money and self directed it learn how to manage it yourself because we understand term that the skills of wall street the way they manage money isn't that complex you and i can do the same thing on our level we have to do what wall street does not listen to what they say in the problem is most people they listen to what wall street says and wall street says you're not smart enough to manage your money so put it in this four one k and someone else imagined for you and hopefully when you're sixty five love enough money that you can retire on well good luck with that plan because it's not working around the country and let me ask you this real quick who do you know who's got wealthy in a 401k think about that who made a living and who you know bill well very few people have bill wealth in a four one k most people don't have enough to retire on and that's the problem inheritance system and now he got a position where the market collapse and you're gonna give back what you do have that is a definition of insanity and capital preservation or learn how to protect against that loss is going to become paramount here as we go forward because if you don't learn the skills of protecting you're going to give it all back exactly champa lot of individuals out there they focus on growing and not protecting and that's the problem with the masses is they need to protect i grow second and the.
"four one k" Discussed on WBT Charlotte News Talk
"Family taking the money you haven't either savings account or taking that money in a small four one k or an ira set it up where you can you know set trades and started bringing some regular income on a on a regular basis whether it makes a car payment for you maybe some of you could maybe make a mortgage payment based off of it but i've seen it happen you've seen it happen it's really not difficult jam no some of the most successful traders that i've ever met and i've met a lot of them have committed a game on a spare time basis they looked for a little supplemental income to their job or their business he really didn't know a lot about the margus they learned a good rule based process they learn how to navigate the information that they can see to make good decisions the beginning understand that if the mark was up they can make money if the market goes down they can make money and if you think about it historically if we look at the most current time that we live in right now we think about movement in price when prices move more in history has never been greater and what that means is that it allows us those of us that have the ability and the skill and it is a skill set of creating an income from the markets and allows us just to be able to create that income with in a very short period of time and so some of the most successful traders they don't really drop everything and just focus on the markets all the time they're in their spare time just generating an income and there's so many great products out there that we can use to do that their stocks obviously and that's the biggest thing here in the united states everybody focused on the stock market but when you look at the currency market in the futures market in the options market these are all live ridge products that allow people without a ton of capital to be able to participate in making good shorter term decisions and prophet regardless of direction of the market on a consistent basis and make a good amount of money even though they have small amount of capital and the reason is because a leverage and leverage is sexy but it has to be used responsibly what i love about our sponsor on my trade academy there so adamant about managing risk in using leverage responsibly and understand that if you have a product that you don't understand all the risks involved in other words if you can get really hurt in a position or a trade you should probably not take that trade there's things that you can do to minimize that risk once you get that process down build that skill set the sky becomes the limit because there's so much opportunity and is such a great marketplace and we can do it from the comfort of our own home in a few hours a week think about that that's a game changer for a lot of families and i really love the fact that here bulls and bears banging the drum telling you that yes you can be successful in the financial markets you don't have to be highly intelligent you don't have to have this high q or the sophisticated knowledge of the markets you can go into this arena with a good good set of rules more importantly a good discipline to follow those rules and you can change things and it's happening a lot of people and i love that aspect of the financial markets and we're trying to get you understand that it's available and it's out there and anybody can take advantage of it exactly and online trading academy the sponsor of bulls and bears they to understand individuals out there are looking for additional income they're trying to figure out how to how to generate that stream you know some people are out there driving uber lived and other people are out there trying to get their money to work for them and that's what it's all about trading for income allows that opportunity online trading academy as a class specifically on trading for income now if you're brand new to the markets or maybe you've been in the markets and you're not having a consistency you want this is a.
"four one k" Discussed on News 104.5 WOKV
"And it'll be cheaper and then and then what i would recommend is taken the extra money that you still are investing in invested either to your 401k or if you want the other type of tax benefit than to the rav is based off the s and p five hundred also they solve whatever you invested in your mind is an index fund have less than zero free time sit back you have to understand the roth is technically just a title of that camp that tells us how that account is going to be treated for tax purposes you can buy multiple different things inside of a roth mutual on you can buy mutual fund you can buy an etf i mean you can put whatever vehicle you want it is simply the title that dictates how it's going to be taxed an aspect that i didn't even like i could find in in another product and i'm not really walked on this i'm just considering it holy based on all the benefit is as life insurance that has the the loan possibility just like the four one k but you don't pay taxes on it like a 401k because it is it is the lowest pay taxes on a loan on a 401k either first off because it's a not a distribution see you don't pay taxes on a 401k loan okay.
"four one k" Discussed on Listen Money Matters
"No worries bro exactly so if i'm planning on living to two hundred i could totally scam the system and getting annuity because they think i'm going to die at the average age of seventy two true they also have a ton of actuaries that have calculated out statistically how likely how many people are gonna live to two hundred and i'm sure your price factors that in and probably a secret assassination depending funny it's true there's this whole episode of space dandy where everyone gets infected a zombie virus or they're all dead so they all claim their life insurance the entire universe zombies just living off life insurance payments and the life insurance companies start hiring assassins to kill zone because losing money it's pretty great okay so basically to find what they are oh how do i buy one an answer to that but i i also want to say that when you contribute to an annuity and there's generally a fixed amount that you'd have to contribute early goals it's tax deferred so in the way the attribute it feels very much like a 401k so tax deferred as in it is taxed as a traditional four one k original areas contribute to a four one k a you don't pay taxes on it now so if you did pay tax on income you'd get a refund on the taxes based on your contribution and then far in the future when you withdraw from your four one k or annuity that money's taxed like ordinary income and so the idea is you're at a higher tax bracket today in the future when you retired lower tax brackets you got some like tax arbitrage going.
"four one k" Discussed on KCMO Talk Radio
"In a four one k that moved yet now they haven't moved it yet and they never really had to deal with it on their tax return why because it's not generating any ten any nines nato on the required minimum distribution or take that situation were they may have last year had not itemized they had twelve thousand seven hundred and standard inductions here's it situation if you're only other income other than so screwed may be another ten or so calcium you're not paying that much tax if any on so sturdy yes you heard me right social security runs on a sliding scale it's called provisional income and basically the higher your provisional income goes the more taxes japan so scurity well they're in a situation where they're provisional income is low enough or not paying that much taxes on social security matter of fact but the tiny take their standard deduction they're exemptions there in what i call negative numbers they didn't know tax money or guess what with this new standard deduction your twice as far into negative numbers you thinking what the heck good of those negative numbers dawn me well if you're advisor which in many cases dozen don't tell you about this or your tax person them tell you about this it on the any good at all but a few are able to take advantage of this you could literally go into that 401 k move a certain amount of money out in to a roth ira with out generating any tax novices gotta be done in the tax year you cannot go back in the men for this now i don't want to spend a ton of time on that but as a massively big deal let me tell you i see seventy eight cases a year in our tax practice where i see the adviser didn't tell them about this the tax person didn't tell about this and when you're filing your taxes in february march april it's too late to take advantage of for last year it's.
"four one k" Discussed on Super Station 101
"You put it into place that you have taxfree growth and taxfree income war combination this four different buckets out there in the money world all right this taxable buckets that's money urinelike let your paycheck earned money you pay tax on it you have money in a cdu earned money you pay tax on it right then we have tax deferred and that's when you don't pay taxes on the money right away matter of fact a reduces your income if like a four one k or an ira for ring the the taxes to later right right right right like what's a bad word and tax deferred taxes are so in there i'll say well tez this too bad words taxes in deferred threat deferred major kicking get down the road you won the coin toss which are left and receive in the second half and that could be dangerous if taxes are lower now than they could be in the future yeah you're right and and in my opinion is have we ever seen a period where taxes really go down to sustain down no they usually go up right right as to why not ray taxes on what we know today so again we have a taxable bucket we have a tax deferred bucket and then we have tax free bucket of now taxfree is good to me that's right like the roth ira okay all right so the roth you pay tax right away you pay tax when you when you make the money but you put it in a bucket now it grows taxfree which means you never pay tax on it money again in the future no matter what a gross to okay as long as you follow the rule set forth by the government while okay now we have that's the three of but coach but you said there were four but race you don't all right here's the fourth one taxfree times to where if you picture it who written down taxfree with little to above it you know like the of subscript parties so now you pick my interest here times to tuesday you what are you talking about here all right so so that is having the tax regrowth taxfree income but turning dimes into dollars it's wife insurers life.
"four one k" Discussed on KARN 102.9
"Have invested right now um so we that's pretty aggressive with saving so we have about them little over a million dead four one k then ira and then uh actually won and a house in not i know designated retirement okay how is it being managed now if you you you have current 401 keys and you guys are both contributing to them yes volley contributing or one hayes and the other one is unfortunately just sitting in a uh on money markets fun and we sold a piece of property and haven't really decided what to do with it and um yeah the rest of it is in four one ks iras um some of like a brokerage account but not really doing much okay and how old are you fortyone and spouse of 40 okay kids yes you kid a sixyearold old in a fouryear old okay you busy you got your hands full i'm hearing it i got it okay so there's two things that come to mind one is you do really need a comprehensive financial plan and it sounds to me like you might be ready for that on the big tell for me was like oh yeah oh by the way we have a bunch of money sitting in cash which is usually like we're scared to do anything because we don't really have a plan and therefore it sitting cast which is by the way what you should do because don't just throw money at doing something without a game plan so the question is you know should you hires someone to create a plan for you and then you execute the plan right you could conceivably say i want to pay someone ten grand to create a beautiful financial plan and then that person will tell me exactly how to invest the money but you would have to actually execute the plan yourselves the beautiful thing i guess about having these options is that e e kinda can customize it based on who you are are you guys the type the just wanna hand it over and say just do it give me a sense of that part were probably in the let all of we actually my previous employer hata certified financial planner kind of aung staff from a big bank that they would allow for employee we we we almost executed on it.
"four one k" Discussed on 860AM The Answer
"And really walk away with some actionable things that they could apply right now or their portfolio a lot of times we here we hear soon say that they don't have a trading account or when i'm talking to even even friends of mine are family members and just be chatting with them about what they're doing with their with their money or their investments and and you hear over and over i don't have a trading account oh yeah i don't trade i don't have a trading account and you you hear that a lot and my response is always do you have a four one k j r s p t s p jeff super funds these are some of the retirement accounts really all over the world and my family's mainly here in the us and so therefore one case ryan iras and a lot of times we don't realize the power that we have inside of those accounts and and so many times we're we're kind of led to believe that our options are very limited in their hey but those those accounts are very there are a lot more nimble than you would think whether it's in our s p t s p four one k ira doesn't really matter what it is we usually have a lot more access to the markets than we believe and it's very rare to come across the situation and i can't even just say i have never come across the situation working with a student where there wasn't things available to them to do inside of those accounts to make money when the markets going up and at the very least protect money when the markets are going down and that is like that's the name of the game right make the money on the way up and then if you can also make the money on the way down now non every account you go short or can you do options in stuff like that but there's usually ways where you can protect it so in the end everything is going to boil down to timing a windy you move things around and that's really what our education is completely focused on folks becoming a successful investor is a choice nolan was born being.