36 Burst results for "six thousand dollars"
Student Loan Forgiveness: Democrats Debate How Much To Cancel
"Five million americans have student debt and president biden has promised to do something about that. He's proposed cancelling up to ten thousand dollars per borrwer. Democrats in congress are pushing for more though fifty thousand dollars per person. Here's npr's listen Joe biden has made it clear one point six trillion dollars in federal student. Debt is a problem but the question of how much of it to cancel is still on the table. Let's take a look at the plan. The president supports cancelling ten thousand dollars in debt per borrower or. Who have the lowest suit deaths are the ones who struggle the most adam. Looney is an economist. At the university of utah he says not all debt is the same borrowers who completed. A bachelor's often have higher debt burdens but are able to pay that debt back. The ones really struggling are the ones in default. When you're in default government can take your tax refund part of your paycheck when you get older. You can even lose part of your social security. Roughly eight million borrowers are in default and most of them have less than ten thousand dollars in debt. The amount that you borrow is largely dependent on how many years you will often students who drop out after a semester or a year or two just on accumulate very much dead. If you never got that degree you can't get a job to help pay off that debt. Looney argues that anything higher than ten thousand cancellation runs. The risk of awarding borrowers. Who don't need help. He points to research that shows thirty. Six percent of student debt is owned by the top twenty percent of income holders but income is different than wealth household was student debt. Tend to have the least amount of wealth. That's the value of all your assets minus debt. Now let's take a look at the plans to cancel fifty thousand dollars in student at senators elizabeth warren and chuck schumer among those behind. This idea. they say a more forgiving cancellation policy is also about racial justice. And would target gaps in wealth especially among black families. Black households are more likely to have student debt and more of it than white or latino families. The debt crisis in is dish. Proportionally impacting borrowers of color and communities of color. Black borrowers in particular ashleigh harrington the senior policy counsel at the center for responsible lending. So when we talk about cancelation we have to start their black borrowers. She says can struggle even if they get their degree. Thanks to racism. In the labor market more debt cancellation would give them a up. You have families were the color who have never been able to build wealth. They don't have intergenerational wealth fender having intergenerational deck many black and latino families missed out on ways to build wealth in the past like homeownership and job training programs due to racist policies researchers who study and talk to student. Loan borrowers say now student. Loan debt is thing. That's holding them back in a forthcoming report. The center for responsible lending black borrowers. Who would have all of their debts. Raced at fifty thousand was forgiven. Have median assets worth just seventy six thousand dollars in most cities. That's not even a house and of course there's the pandemic we are in the list of a crisis it and so we're for the place where count out. Inauguration gonna cut it regardless of the dollar figure most advocates. For cancelling say the thing that makes it so appealing is it can be done by the president through executive action without congress. President biden has long said he'd prefer to use legislation but in early february. The white house signaled it was willing to consider doing it with the flick of a pen.
Fresh update on "six thousand dollars" discussed on The Dentalpreneur Podcast with Dr. Mark Costes
"You track where each and every new patient comes from. That's the first thing to do before we start talking about all these elaborate marketing campaigns different media and costs. Where are they coming from in the first place. I talked later about a case study that i did where. She just kept on pumping money into her advertising budget and the new patients were going up and up and up so she thought yeah this is working but she really had no idea of the five or six different things what was bringing in the new patients right so when we stripped it all down for ninety days we made her track everything we put tracking telephone numbers on every single piece. That was going out. Turns out that eighty percent of the people that were coming in were from internal referrals so we just slashed your advertising budget and nothing happened to the new patient acquisition but she never would have known that she done that for twenty years spending six thousand dollars a month on advertising because she didn't know that her patients were being in the patient's not her postcard mailer. Those are the things that you all have to know about your business. Okay and then overhead and cash flow control. I'm not going to belabor that point because we're going to speak about that for ninety minutes this afternoon. Okay so the good news and the bad news the good news or the next few days you'll receive all the systems tactics and strategies necessary to be calm and elite dental practice the bad news regardless of the and thoroughness of the tools that i give you know improvement or progress or change will occur unless the owner of the practice will commit to just one thing. This is one thing that a lot of these types of seminars gloss over. Because we're trying to make you guys happy and you're taipei and your analytical and you're left brain and you want tactics and strategies and systems and tangible stuff to walk away with in a book bacter- office to get going. That's how we think we're scientists but you must become an effective leader. Because i talk about this. Every time i get up on stage but how many times have you guys left a seminar fired up and ready to get it done you. Assemble the team. You say okay guys here we go. We're gonna roll this new system out. They roll their eyes. Because you do this every time you leave town and they whisper to each other. That's okay you'll forget about this in two weeks. What happens is we don't remain effective leader. We maintain that momentum to keep that new system going and that all comes down to leadership. I have a thing a mantra in my head. Now because i had i struggled with this for a long time i was the worst leader in the world when i had those six practices. Talk more about that stuff but holy cow. I was a terrible leader. I didn't know the names of half of the fifty people that worked for me. And i'd roll into the office. And i'd huffed and puffed because things were out of place and things looked inefficient. And i just i just wanted things a certain way. I was not an effective leader. And if you're not an effective leader you're going to get a very low level of performance from people by definition so effective leader has the systems and processes to give the entire team their best but the entire but the opportunity to be successful is just the first part of the equation. In addition to furnishing the environment for success effective leaders must have the right people in the right positions hold each member of the team accountable and delegate quality control effectively.
Super Bowl is here. What TV should you get and what are mini-LEDs
"So let's start with some practical advice and talk about the super bowl which the sunday think actually haven't been really watching the nfl myself but let's most it's all right but for folks who actually do care and wanna watch the big game on a big tv. What are some of the top televisions you recommend. So you mentioned the biggest sharpest. Tv at the top all start by saying unlike last year the super bowl is not going to be in four this year out so fox went out and went full pulled out all the stops in in two thousand twenty for leicester super bowl and they had a four k truck they did all this great streaming and four k this year Cbs's handling it. They said we asked them. Like why. why aren't you guys doing four k. This year back the answer is with everything. Else is covert related. Apparently you know it's an issue to get everybody together and extra staff and everything to to make the fourcade production work so right off the bat. We're intended ep. Land which is fine. Still expect a four k tv So right right now again with kobe. We've had some weird things happening with the tv a inventory for example my favorite tv of the year. The tesol six series is kind of hard to find right now so my top pick for the money at the sixty five inch and larger size because hey for football you wanna go. Big is a video m series so that thing is about six hundred bucks right now. It's on sale one hundred Less than normal for the sixty five inch size A great television for the money and again at that price. It's it's pretty hard to pass up. There's really nothing that inexpensive the forms. That well i know i've got a video believes in series on your recommendation. I'm more than happy with it. So you're in good hands with cats his advice now if you had a limitless budget and let's just say hypothetically he was broadcasting this in four k or heck even eight k even further sir what was sort of what would be the the the top tier high intelligence to buy right now so that's continues to the lead roger. The oh led tv's from lg. You're my favorite the ten. Looks like when you see it printed out online that. Tv's actually on sale right now a little bit. They saved the lowest price of the year. It's actually hundred dollars more than it was in black friday but still on sale compared to regular price Sixty five inch for a two thousand dollars again. That's the best. Td on the market. If you just want to pull out all the stops that's a great television and then if you wanna go crazy this seventy seven inch size is down to its lowest price yet at thirty three hundred again again. Crazy amount of money for television. You can definitely get an eighty five inch seventy five inch. Lcd for thousands less but it's not going to perform as well as a led technology. It just has great black levels. Superb picture quality no issues with angles. Yada yada yada. It just looks great for football and everything else afterwards. That's spending Ludicrous amount of money on televisions Is a good segue to the other part of our discussion. And that's still look at this new type of television technology called many led. And i know. I had jason heiner on couple of weeks ago and he kind of gave us a kind of a quick run through but For those who weren't listened to that that episode nine on why you weren't but For for those of us who don't know what many led can certainly give us a quick definition what it is where it stands in. The hierarchy of different led televisions so many led. The first thing. I'll do is not to be confused with micro. Led so people. Make the mistake that you know many. Led mike really do the same thing. They're not annoyingly their sound. Pretty similar but micro led is very different. It's the really really crazy when you might have heard of. The samsung tv called the wall. Two hundred inches plus Samsung just announced that the latest version of it which is one hundred ten inches off and they priced it in korea. Two hundred fifty six thousand dollars in case you're interested so that's crazy crazy crazy. Expensive brand new. Tv technology really promising but a few years down the road before anybody can afford it. Many led is kind of an evolution of standard lcd tv technology so it uses smaller led back lights and tcl who i mentioned before makers of my my favorite tv right now. The tcl six series that television uses many led and it's very affordable. So what happened is is that samsung and lg pretty big names in the tv industry announced that they're also going to be selling many led's tv's so in twenty twenty one we're going to start to see an influx of competition for those televisions.
Mark Gurman Dishes On The Apple VR Headset
"It's a mark gurman apple scoop thursday this time. Mark has a whole mess of details about the rumored upcoming apple headset. Mark says its planned for a twenty twenty two launch will focus on vr gaming but also video and communications and it will only have at least at this point limited. A are features. Also it's not been easy to make and if you're expecting the low cost surprise of the first ipad. say maybe think again quoting bloomberg. The initial device has confronted several development hurdles. The company has conservative sales expectations illustrating how it will be to bring this nascent. Consumer technology to the masses apples. Typical playbook involves taking emerging consumer technology such as music players smartphones tablets and smart watches and making it reliable and easy to use for everyone. This time though. Apple isn't looking to create an iphone kit for its first headset instead. The company is building a high end niche product that will prepare outside developers and consumers for its eventual more mainstream. A are glasses. The plan suggests that apple's first headset will be far more expensive than those from rivals which cost about three hundred to nine hundred dollars. Some apple insiders believe the company may sell only one headset per day per retail store. Apple has roughly five hundred stores so in that scenario annual sales would be just over one hundred and eighty thousand units excluding other sales channels. That would put it on par with other pricey apple products such as the six thousand dollar mac pro desktop computer and apple spokesman declined to comment. Apple is aiming to include some of. Its most advanced and powerful chips in the headset along with displays that are much higher resolution than those in existing vr products. Some of the chips tested in the device. Beat the performance of apple's emlyn mac processors. The company has also designed the headset with a fan. Something that company usually tries to avoid on mobile products. That people said the headset code-named n three one is in a late prototype. Stage but is not yet finalized so the company's plans could change or be scrapped entirely before launch the aarp glasses code-named and for two one are in an early stage known as architecture meaning apple is still working on underlying technologies. This product is several years away. According to the people though apple has previously targeted as early as two thousand twenty three to unveil it the powerful processors and the inclusion of a fan initially led to a device that was too large and heavy with some concern about neck strain in early. Testing apple removed the space. Vr gadgets usually reserved for users. Who want to wear eyeglasses. Which brought the headset closer. To the face and helped shrink the size and to address consumers with poorer eyesight it developed a system where custom prescription lenses can be inserted into the headset over the vr screens. The people said apple originally planned to include less powerful processors and offload much of the work to a hub in a user's home that would wirelessly beam content to the headset. But that idea was squashed by johnny. Apple's design chief at the time. Bloomberg news reported last year. The headset designed to work as a standalone device. Meaning it can operate on a battery rather than be plugged into a wall or a mac that's similar to facebook's latest vr products while sony's requires a playstation gaming console to further reduce the devices. Wait apple is planning to use a fabric exterior. That's a departure from the metal designs apple uses for most products though it has used plastic for devices like airpods that need to be light and fabrics for the homepod speaker to improve. Acoustics prototypes of the headset. Some of which are about the size of and oculus quest include external cameras to enable some a are features. The company is testing using the cameras for hand tracking and is working on a feature. Where a user can type of virtually in the air to input text. It's unclear if that function will be ready for the first version of the device or if it will ever leave the exploratory stage and quote gherman hence that had covid nineteen not delayed development. We might have seen the headset this year. But he also stresses that the aarp glasses are the ultimate end goal. Here as apple sees that as a more mainstream product something that could sell numbers that could eventually rival the ipad apple watch or even iphone sales in the long run.
Reddit Post Inspires Airbnb Cleaning Service
"For. Neil patrick the decision to start a side. Business wasn't just so he could quit his day job and travel the world while still having an income and that was part of it but it was also a decision guided by his desire to provide for his parents. You see for thirty two years. His parents owned video rental stores. Do you remember those. But of course the industry was on its way out in this was the mid two thousand. Ten's whatever you call that decade the mid two thousand ten's. I'm not sure but those doors weren't doing well around this time. Neil who was working fifty to sixty hours a week decided. He wanted to start a service to help parents as well as himself. He tried a number of paths as he tried different side. Hustles creating an ecommerce. Site blogging about pet hair vacuums and more before stumbling across a post on. Read it from someone who started cleaning company in that post the author laid out the detailed steps taken to get going after reading through the post carefully. Neil decided to give it a try himself in early two thousand thirteen. He established made this in los angeles cleaning. Service that specializes in airbnb and residential. Cleanings his first step in doing so was creating a website tall task because he had no technical background. You'll bought a template for about one hundred dollars researched how to host a website and published. What he said was initially pretty crappy looking site. Hey we've all been there. Y'all needed to determine how much to charge for cleaning services and find a cleaners themselves. He started by contacting local people with existing companies and asking them how much they charged and with their cleaning packages. Were looking at the competition. He was able to make sure there was enough margin built into his service to ensure he could operate successfully he puts it from the reddit post to the pricing scale. He essentially started made this by copying what other companies were doing at least as a way of getting things up and running although he had software to charge customers. You'll didn't know how to pay the cleaners at first. So after they got done with an appointment he would have them come to his office where he'd run downstairs. Get cash out of an atm and hand it to them eventually. He figured out a better way. Overall it took two months to get up and running to find customers. Neil focused on digital marketing. He says local marketing a gem because you're competing against local businesses only not the entire world. So it's a bit easier to manage. And it also cost less as i customer came about july twenty thirteen which he remembers because he snuck outside from his full time job and started dancing. Another advantage to local markets is that there are many third party platforms. Like angie's list or thumb tack and neil would charge a low price at first to attract initial customers. You also tried posting flyers and using social media although he says that wasn't an especially useful marketing tool for him since people don't usually by cleaning services that way. These days made this mostly generate sales from a combination of sco yelp and paid digital ads. Because he wanted to eventually quit his full time. Job and travel. You'll established made this so they could be operated by a fully remote team of employees which includes his parents. Total investment cost was around two thousand dollars which included his website. Those digital marketing ads and advertising for cleaners operated the business part time gig for two years by two thousand fifteen. The business was doing around thirty thousand dollars in monthly sales with twenty percent profit margin so six thousand dollars in monthly profit with a success. Quit his job and booked one way flight to colombia. The business doubled that year and he's since traveled to more than thirty five countries while scaling. What was once his side. Hustle looking to the future neal is aiming to be the millennial franchise disrupting the old school cleaning franchise industry.
The Energy Sector in 2020 and Beyond
"Full answers. I'm also southwick. And i'm joined by robert. Brough ho ho bro. Camp personal finance expert here at the motley fool. That didn't work out at all seasons. Greetings to you all in this week's episode. It's part three of our year end. Investing series with the help of industry focuses nick cycle. We're gonna dig into the energy sector yet. It puns all that and more on this week's episode of multiple answers bro. What's up well also by the laws of personal finance multimedia. I am obliged at this time of year to offer a few year end financial planning tips. So i'm going to say you heard every year a there are a few that are unique to twenty twenty and boy. It's been a unique year so here are some ways to make the most of this interesting year. I have five number one. Max out employer's sponsored account so actually have until april fifteenth of next year to make twenty twenty contribution to an ira but the deadline for make for most employer sponsored accounts like 401k's and four. Three bs is december thirty first. So if you haven't yet maxed out the account if you have a little money lying around you still have a little bit of time. But you generally can't wait until the last day of the month for most employers you have to change your rate of contribution a few days before the final payroll of the year just an example the motley fool. If you want to max out your account this year you have until december tenth before four pm to do it but of course your job will be different so talked your hr department the bottom line here. Is that most 401k. Plans or at least many. Don't actually allow you. Just send a check you have to do it through the payroll just as a reminder of the contribution limits in two thousand twenty for most employer sponsored retirement accounts it's nineteen thousand five hundred with an additional sixty five hundred fifty or older by december. Thirty first for ira's six thousand dollars with an additional one thousand for the fifty in better crowd and those limits are not changing and twenty twenty one or staying the same that said income thresholds and being able to contribute to a roth or whether your contributions to a traditional ira deductible those will change so check those out if you're going to contribute to an ira twenty one number to make a corona virus related distribution from your employer account if possible so thanks to the cares act that was passed in march employers who have experienced certain health or financial related hardships due to the coronavirus can withdraw up to one hundred thousand dollars combined from their retirement accounts. Avoid the ten percent early distribution penalty. If they're not yet fifty nine half though you still taxes the good news is you have up to three years to return the money and it doesn't have to go back into the account from which it came. We've mentioned this a few times this year. This actually provides an opportunity for people who are in mediocre or worse employer plans to move the money to an ira however this option is only possible. this year in the deadline is actually december thirtieth. Not thirty first. So if you're intrigued. Sure to visit the irs website to make sure that you fit the criteria for making one of these rotavirus related distributions number three convert traditional to roth assets so you have to december thirty first to do a conversion for this year. This year is a particularly good one to consider a roth. Tax rates are historically low and income has dropped for many americans course you pay taxes on the convert amounts but then the money grows tax. Free as long as you follow. The rules of this is also a good year for americans over the age of seventy. Who want to do convergence. Normally you have to take your required minimum distribution from a traditional account first and then do the conversion no conversions do not count towards the required minimum distribution. But all our. Md's have been suspended for this year. So you can convert at will just remember that ever since the tax overhaul that passed in two thousand seventeen conversions could can no longer be undone by something known as a re characterization so only do a conversion if you're sure that it makes sense number four spend money remaining in flexible spending accounts depending on your employer's plan you have until december thirty first to spend the money in a dependent care or medical flexible spending plan. Some plans do have different deadlines some allow for extended grace period's up to maybe march fifteenth and for the medical account. Some plans allow you to roll up to five hundred and fifty dollars to two thousand twenty one. That's up from last year's five hundred dollar carryover amount also thanks to the cares act. The items that qualify for your medical flexible spending account have been greatly expanded visit. Fsa store dot com to see what's eligible and again reach out to your hr department to find out the deadlines for your plan and finally number. Five deduct charitable cash contributions. once again. Thanks to the cares act. Taxpayers can deduct up to three hundred dollars in cash contributions to call charities without having to itemize their tax returns. Make sure you visit the website for more info and it also has a searchable database to find which which organizations qualify
Kelly Clarkson's Husband Wants $436K in Monthly Support
"Kelly. Clarkson's divorce maybe getting ugly. Kelly just got primary custody of her kids and her ex asking for millions. Multiple sources claim multiple reports actually claim brandon black asking for four hundred and thirty six thousand dollars a month in spousal support and child support along with two million in says filed for divorce from brandon. Black back in june setting iraq irreconcilable reconcilable differences after nearly seven years together. According to recent court docs filed on behalf of kelly. The level of conflict between the parents has increased. The parties have a difficult time. Co-parenting due to issues of trust between them so both clarkson and blocks sex attorneys could not be reached for comment
A copy of ‘Super Mario Bros. 3’ sold for $156,000
"Make sure you dig around in your closets ladies and gentlemen because if you have a copy. One of the earth's early super maya row. Threes hundred fifty. Six thousand dollars is the most expensive game ever sold at auction. Hundred and fifty. Six thousand for super mario brothers three now. What makes us special. The sealed copy of the classic is now. The most expensive gain took the record from a copy of super. Mario brothers which a bitter snapped up in july runner and fourteen thousand bidding. Smb three started. Sixty two thousand five hundred and twenty bidders tried to get their hands on. It has a rare box design. The word bros. Typically gather right where it's on the left of this box. It covers a bit of mario's glove. Its earliest version of the game and smb three production history. It's an excellent condition with a wada. Nine point two eight plus
Americans dominate diverse list of Booker Prize contenders
"Look at price judges are meeting to pick a winner of the prestigious literary award choosing a from a six book a list that's both US dominated and strikingly diverse five of the books competing for the sixty six thousand dollar prize followed by American or US based authors including the shadow king the story of an orphan in a field P. R. by Moslem and geese the down cooks dystopian tale the new wilderness of nido she's India said mother daughter saga burnt sugar and Brendan Taylor's real life which explores homophobia in academic life the winner announcement will be broadcast online and on radio later from London's roundhouse arts venue there is shockingly London
Inequities Of The Pandemic
"Right here we go four inequities, the covert pandemic I up growing racial and ethnic inequality according to a recent survey by Pew Research. Throughout. The pandemic. Black. Hispanic. Families have struggled to make payments on their bills, things like health care bills or mortgage payments more than white families. One clear reason why is that black and Hispanic adults have been more likely to lose their jobs than white adults but another big reason is that white households had so much more wealth before the pandemic. Here are some staggering data points as of last year the median black household had about twenty four, thousand dollars in total wealth and the media. In Hispanic household had just a bit more about thirty, six, thousand dollars but the median white household had a hundred and eighty nine thousand dollars in wealth. That's just a huge gap. Also, white families are more likely to own shares in the stock market and to own their homes, and since both the stock market and home prices are actually higher. Now than they were before the pandemic wealth inequality has almost certainly gotten even wider, and this also means that white families just had more of an economic cushion going into the pandemic they had more savings and more stuff they could sell to help them get by when the. Economy started to go bad. The second inequity exacerbated by the pandemic is a pretty straightforward one people who make lower wages have been much more likely to lose their jobs because of the pandemic then people who get paid higher wages a big reason for this industries that pay low average wages, which include jobs in restaurants and bars and retail stores have themselves been more likely to have shutdowns or lose business then industries that pay wages like finance or law. In fact, people who work in these low wage industries are roughly three times more likely to have lost jobs since February and to still be out of work than. People who work in high wage industries, and that trend also overlaps with the third inequity, which is about the labor market for people with different educational backgrounds for adults with college degrees. Their total number of jobs is almost back to exactly where it was before the pandemic even started but there are still twelve percent fewer jobs for people with only high school degrees and eighteen percent fewer jobs for people who did not graduate high school, and there is another really incredible statistic that gets at the difference between people who have college degrees and people don't, and that is this is the ability to work remotely way from the office. Sixty seven percent of college graduates who have jobs can do those jobs from home for high school graduates. Only twenty five percent can work from home, which makes it hard for them to keep their jobs at a time of social distancing and business lockdowns. And the fourth inequity is widening gender inequality. There's more than two and a half million fewer women in the US labor force. Then there were before the pandemic and being out of the labor force by the way means that you don't have a job and also that you're not looking for a job possibly because you have other responsibilities like tending to a sick relative or watching the. Kids and women have been dropping out of the labor force in much higher numbers than men since the pandemic started. So explanation for these differences is that women are heavily concentrated in some of the industries that have had the highest losses things like teaching food service working in hotels. Another possible explanation is the pay gap between men and women women earn less money on average than men. Do, and so in couples where both spouses work, it can end up making more economic sense for the women to step out of the workforce if someone has to stay home and care for the children or the home, and in this pandemic, working mothers of young kids have been roughly three times more likely to lose their jobs than working fathers.
"Of selling going on out there round the board. With many projects down well, well well, and truly into the double figures Bitcoin. The mock it's held its nerve the best we are seeing alt- revolt, but I'm Ching. Indefinitely in some very hefty, very hefty falls in Dade on. So these. Markets out that up old is not lost. Because, yesterday in the try to cope community. Yes. In that community. Managed to find a little short that. Didn't scan of owning and. It held Fridays and triggered and a whole host of McLaren that which is great. It was on dragging index. So de Gen-. A pay so I pay a pay per. Dragon PUP and. Let me just tell you their award. We got here so far. Just tighten from a position here from the. A Guy So wrought now. is at just after nine ago filled. On just shy of six to one. So that means of a put a thousand bucks on not tried that is six thousand dollars I am now currently up now, of course, if I was to scale out, I want to minimize my risk that still quite thirty five hundred US dollars. Cayenne yes. There has been applies to view stop-loss. So this is the thing about tried and guys it some. Way Of. Making money. Ought to have one hundred hates of tried lightly. This one set up the rules perfectly. So I, took it. Started to did a number of other people in this small letter, the bank, this morning released hedging themselves against. So further down would have seen in the overnight session. He's thing I'm investors well so yeah, I'm. To a haircut at the minute. As Mark Foaling but it's okay because these markets move in the moving waves aren't there then they moving waves and dumb. The wives is looking glow. Short that way. Let's talk about the topic now and say, we're just we sorry say just where we ails is actually up five point eight percent. Wow big move. It was actually a more to tell you that I'm just looking at the child at the moment. What it wasn't my just happened just chewed in on my computer but. A short of a one, four, candle thirteen percent will tell you right now the from where Arpan to the high the dight. We're looking at was up nearly twenty percent. Eighteen percent. Pulled back quite a bit. It's the only one. The top tennis currently bitcoins down two percents as I said the other day and I think it was not yesterday before. So the long Bitcoin grinds. The. Milwaukee Saints Debated GonNa Full. We have a bit of the a bit of a fool over not a guy just say anything here that. Inspire is any concern. Or sought -ment of bitcoin is very much during a very civil patton to what it did from of May through to the beginning will sort of the end of July. Now, that was a very sliced sideways. Period. So bitcoin, those plenty of opportunities plenty of trying to be had on the all markets and we say that again now in good trends coming in. The BITCOIN is consolidating. It really is the market is in a consolidation. It could be very boring banging from ten to eleven for a couple of weeks possibly even a couple of months like we did say back in my and it looks very, very similar to back in for my period. Mir's right now off the white and see how we got bitcoins down two percent ten, thousand, five, hundred, seventy, four nothing really to speak of that. A theory theorem full percent today three, hundred, thirty, nine dollars and twelve cents having closing yet. So of course, we haven't got the end of the die but. There is trend the reason that we interest exile pay. This was a market always stalking yesterday thought except payloads, Mabaso Radiating Austin date. It did look really really us. It was pulling back after NAS move higher now on that four outraged say anything there. So it's going to be my list today, but it is instill. So it is still. In a daily uptrend sitting at twenty four point full sense down two point five, seven percent. Bitcoin cash confuses ever
US man could get prison for review of Thailand hotel
"An American tourists visiting Thailand is now facing two years in prison after posting bad review for one of the country's hotels. The. seaview resort has filed a complaint again against Wesley Barnes claiming he's hurt business by posting multiple multiple reviews across different sites criticizing the hotel saying the staff was not friendly nobody could smile. Restaurant manager was very rude and full of there are other hotels with better friendlier staff avoid this place as if it was the coronavirus. Dear. So he was taken into custody later released on bail pending his first court appearance, it per Thailand's anti-defamation laws. He could be sentenced to two years behind bars and find just over six thousand dollars for his offense. How is it possible to write a scathing review? If, there's an anti defamation law defamation law. Seem to be able to peacefully coexist right visor. Say that they're opposed the idea that traveller could be prosecuted for expressing opinions. Some. Wishing him the best of luck muscle luck to you. Him on board with you.
College Campuses Opened for Business, Now Scores of Students Have Covid-19
"This is on point Jane Clayson. We're talking with student newspaper editors about what college life is like in a pandemic and how the choices their schools have made are impacting students. My guest this hour Andy Thomason senior editor at the chronicle for Higher Education Andy. We were talking about the political sort of faultlines at play even in higher ed right now, this sort of red state blue state colleges in. Ryan States by Republicans are more likely to offer in person courses. It appears blue states or more online has that held steady throughout the opening here. It has but it's gotten more complex as states have to wrestle with. You know the consequences of reopening the public health numbers on campus and that sort of thing for instance, one of the first campuses to reopen the University of North Carolina at Chapel Hill had faced a mandate from the system to reopen but just I think about a week Yep after they had started classes, they were forced to shut down in effectively evacuate campuses. So the public health realities are definitely altering some of. That decision making and many colleges and universities are are not messing around they're cracking down on these large gatherings large parties at northeastern here in Boston they expelled students that gathered in a room together and there was no refund on the thirty six thousand dollars tuition Ohio state issued two, hundred, twenty, eight suspensions to students attended parties a give us some other examples of the disciplinary measures that colleges are taking now. Well, much of that action has actually been predominantly rhetorical sort of warning students saying this semester if it has to end early, it's on you. It's not on us. That's the message from administrators on many campuses there have been lots of suspensions at lots of campuses It actually helps sort of spur something of a backlash among others in the higher education community saying the students didn't make the decision to reopen it was the administrators and are you going To blame students for being students when they didn't really have a hand in these plans, some observers called it hypocritical well, right and and you know I've heard both sides, is it too much to ask college students to give up so much of their college experience and on the other hand you know be responsible put a mask socially distance. I mean there are two sides to this as there are more broadly speaking in the cultural conversation as a whole. That's absolutely true and yes, you can see both sides to it, and of course, in a pandemic, we all have to behave responsibly behaviors good public health citizens, but you have to realize and recognize this occurring in the larger context of institutions that have their own institutional priorities, financial, political, and cultural, and in some cases at least students have. Found themselves in the center of that and and facing some of the consequences.
The Positives and Negatives of Investing Your Money in gold
"The positives and negatives of investing your money in gold by Robert Farrington of the college investor Dot Com. Do you remember all the hype around gold in the not. So distant past from two thousand, seven to two thousand eleven. The value of an ounce of gold went from about five hundred dollars to eighteen hundred dollars. If you would have purchased gold in two, thousand seven, you would have nearly quadrupled your investment in just five years. Now, that is one heck of an investment. Around this time I also pronounced that you shouldn't buy gold and it received a lot of criticism in more recent years. Gold has settled back down to around thirteen hundred dollars and sometimes slightly less than that. So hopefully, you took my advice, but the question still remains in the back of people's minds. Would it be wise to invest in gold right now? At, its current price gold is worth five hundred dollars less than its previous high. So one would think that an increase in value could be on the horizon. Here's what you really need to know about the pros and cons of investing in gold. Pros of investing in gold. In my opinion, there are three major pros when it comes to gold investment one, it's equality hedge against a down market to it will still have value of paper currency inflates and three. There is an apparent upside to its value versus years. One Gold is a quality hedge against a down market. As we all saw in two thousand seven when the stock market took a dive everyone began putting their faith in gold instead with the higher demand in gold and with a limited supply. The price of gold went up massively within the next couple of years we may witness another steep downmarket, which may again increase the value of gold. Two Gold we'll still have. Value Paper currency inflates. Local currencies constantly fluctuate against foreign currencies. It's the way of the world policies are in place to hold currency steady, but they're not always foolproof once a currency begins to make a downward spiral it can be very difficult to stop severe inflation, which of course, decreases our purchasing power. Is often the more solid option for currency since there's a finite amount of this precious metal if you have gold, then you're likely to hold on to more of your overall worth than someone that is put all of their faith in the banks and paper currency. Three, there is an apparent upside to the value of gold. As I stated before gold was once at eighteen hundred dollars but now rests at value of less than thirteen hundred. If there's a slight blip in our economy that sends fear through the nation, then gold could easily spike back to eighteen hundred mark. It no longer seems far fetched because after all the value has already been there before. Cons of investing in gold. I used to be a huge advocate of gold and silver investing but my opinions on this investment technique have changed largely because of these cons. One Gold has a terrible historical return. If you went back two hundred years and put ten thousand dollars in gold ten, thousand in bonds and ten thousand stocks, which of these investments would come out on top. Well, if you're smart, you would probably not choose gold to be the top investment but the astonishing part about this is how poorly it actually performed versus the stocks and bonds. Here are the values of your investments after two hundred. Years. Old Twenty six thousand dollars bonds eight million dollars stocks five point six, billion dollars. Based on the historical returns gold is a lousy investment. To Gold is worthless if things get really bad. As a pro, we stated that gold is a great hedge against the dollar inflating, which causes us to lose our purchasing power. This is true. But what if the currency becomes absolutely worthless and we all have to resort to trading goods to survive what value is gold at that point? Well, let's see me certainly can't eat gold. So it is of little value for that purpose and you really can't make anything easily out of gold either. So there really isn't any value they're pretty much at this point your gold nuggets in bars are only as valuable as Iraq because he might be able to throw it at something and kill it. Three gold only earns you money when you sell it. The biggest con of investing in gold in my opinion. Oh and Warren Buffett's is that it produces you absolutely nothing when you own it. If you want to grow truly wealthy than you want to buy an asset that produces a passive income while you own it so that you can then by other assets that make you even more wealthy. Warren started doing this as a boy. When he bought a hunk of land, he knew the land would increase in value but the truly great part is investment was that he could earn an income each year from the local farmer that wanted to rent his land after a few years of Rental Income Warren Kundun reinvest his money into even more land and do this over and over again, this method allowed him to buy assets that gained in value, but also gave him income while he owned them.
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.
I Owe $94,000 to the IRS!
"Joining me today Ramsey personality Chris Hogan. Caesar's in Chicago Hi how are you? Hey how you doing? How can we help? Okay little nervous here. first time caller first time listener. I. Last summer started listening to you. Laugh. Until far about a month ago emotionally on one hundred, thirty thousand dollars in depth, which is on ninety, four, thousand dollars. Irs I'm trying to do what I tend to To figure what's the best way to tackle this Most of most of the other stuff is car Karleena and credit card that I just weren't to Carmax this weekend and sold a vehicle which has some positive equity. Our sixty, five, hundred I. Don't know what to do with this money at this point. What in the world? How do you owe the IRS ninety four thousand? Salamanders Twenty fifteen twenty, sixteen business, you know I, I, started a business with my wife I pretty much try to manage the business myself. You know everything myself and I kinda school things up and didn't help that I had a bad accounting I concert the irs this to be issue I. If we have to file a ten forty x forum I'll try a man does taxes you know put this is in process I mean I still have to making some kind of panic because I'm getting some letters on a male as far as. Stop stuff. So you're saying that the returns were filed improperly and you may not actually Oh this money when you follow amended returns. Exactly. Okay. But if you you have, you have some money you said you had six thousand dollars from sale your car. Yes. Sixty, sixty, five now. And current him baby step two so I might stop just. You're going to spend some money right now on a tax attorney. Or a tax professional, that is a stud of some kind and If it costs you six thousand dollars, it won't. But if it costs you two thousand dollars, this is job one right now. Is You can you can take your hundred and thirty thousand and wipe out ninety four or a big portion of ninety four with some simple proper filing you don't do that yourself. That's how you got here. You go get a tax pro check Daveramsey DOT COM and click on our taxi LP's if there's not one in your area start shopping around talk to some business guys that are that are competent business people in your area ask them for advice on who a good tax attorney or a tax pro Israel and let them dig in. I I don't you don't need to do anything. You don't worry about me staff. No this is job one I R. S. Yes. Job One that's what you're doing and and Caesar make area focused. Don't come up with excuses. Pick up the phone call set up a time to go sit down, gather up, find out all the documentary going to eat 'cause you're going to have to do legwork here but trust me if worth it because it's dealing with irs. Yeah you. Sure you're a good tax professional can tell you if you need to get on an installment plan and. We need to do to get the barking dogs off your heel while you get this stuff filed. But Dude, you don't thirty seconds you get this stuff filed. Now this is an overdue time paper. and. You've. You know this is killing you and these people have unlimited freaking power. It is unbelievable what they can do to your life if they choose to cy I really really really want them To Go away. Yes I want you get the paperwork done and you don't have anything that's more important in your life for the next two of then get all of this filed as soon as possible. Don't don't drag it out three months. Don't drag it out two months file the stuff get with somebody get the work done. Yeah. You State you get you a cup of coffee and work into the work into the we hours of the morning at this done. What. You do because here's the reality some tweaking and the proper filings again has the ability to wipe some of this out. This is a this is a huge opportunity. Sounds like a good portion of it. Impugned it on him because he didn't do proper filing and they guest that's right in the irs never guesses low. It's a rule of theirs. It's written somewhere in a book I'm sure. Oh God. Penalties on this stuff and it all goes away with properly amended filing or large portion of it does. Get that the stuff you should have been working on all these long time ago. Yes. That's out of the way. Down to just forty thousand dollars a dad now go. That's right.
Ianne Fields Stewart: The Okra Project
"The ogre project is pretty new for most people. Can you give us the Quick Synopsis. Of what they do. Absolutely it's a really great organization that is working to deliver these luxury free delicious nutritious meals to black. Trans folks and it's all prepared by black. Trans Chefs get paid to do that and I love in the interview that she talks about luxury in this idea of taking luxury and making it something that's accessible to the most marginalized people in the community and really excited for us to do this interview with you and Diane. Because you know there's been so many there's been so many stories lately in the media about over the Trans Women specifically dying during pride month and into July. We can't only report transpeople than media. When died we need to celebrate them when they're alive and admit E. N. is such a core thing. So I'm so excited like play her story on this podcast. Should we get to the interview? Yes I am so excited for everyone to hear the conversation we had. To this is Scott and e Enfield Stewart. Here it is. Still. Em thank you so much for joining me for taking the time. I'm just going to jump right in I. Really wanted to sort of learn more about the work that you're doing at the OCHRE project. Can you tell me a little bit about what it is and bring me back to where the ideas started? How did you come up with the idea? I was sitting on a couch in December two, thousand, eighteen in my home eating their ways a masculine person who was part of the organizing meeting and they were talking over me a bit and I really feel like I was being heard. So I put myself on mute and it turned my friend Nyla and I said Hey I have this idea and I had been thinking for a couple of weeks that I want to do something to give back to the Community because I knew that I was going to be going back to a home and family that raised me that I felt comfortable being my complete self with and I knew that that was a privilege that I possessed. So I said tonight you know what if we were to raise money through your fund that you've created, which is glad Trans Solidarity Fund and it's reparations group that is dedicated to shifting funds from the mainstream back into the hands of black transpeople. NYLA thought the idea was great. So we use those funds to pay a chef we worked with me August of Zadie kitchen. The I had the ideal Sunday on Monday a we had a meeting with Maliki Maliki greed. Our hope was raised about like five hundred dollars worked with a couple people. We released the project on a Wednesday and by Friday we had raised six thousand dollars all through individual donations. So we were totally blown away by and made the commitment then and there that you know, will you know run this thing to the wheels fall off and the wheels have now fallen off yet so here we are I'm wondering you know, why do you think there is such a resounding amount of support whicher analysis on that? You know it's interesting. I think that I constantly find myself shocked and puzzled by why and how people believe in the work that we do. It just seems so strange to be a part of something that people are actively saying, Hey, we believe in an Arlington we believe in it, but we want it to continue I think that part of it is that you know it. The idea of taking luxury and making it something that's accessible to the most marginalized people saga. I personally am very committed to interrupting this idea that luxury should be exclusive and rather making luxury something that is available to all people and most importantly to the most marginalized in our community. From you the idea of having you know a black trans. CHEF. Come into your home and cook a healthy home-cooked Pacific meal for you. Unit for black people in particular, the kitchen is such a place of familial lineage. It's a place of community place of love it's it's just were so so many things happen in so much a daily life occurs in the kitchen and so to have that kitchen be filled with someone who looks loves and lives like you as a luxury and a joy and builds community because you're not just having kind of this person who comes in and cooks for you and then leaves, but you're rather creating an experience of community where this person is someone who? Can become community. They can become chosen. Family knows what is possible when someone who looks loves and lives like you chooses you and prioritizes you and says, you are special and you are worthy of receiving this meal and you are worthy of sitting back and relaxing and has someone do for you and I think that that for a community of people who for so long have had to make everything out of nothing I think that's just such a gift and such a beautiful thing to have someone say I will do for you because you're worth it.
Drinking is Expensive
"Hi Everyone. Welcome to recovery happy hour where we talk about life beyond the bottle and what happens after we stopped drinking I'm your host Tricia and in almost four years of not drinking I've saved over twenty grand. That's enough money to buy either a used Honda civic or two, thousand, two, hundred and twenty four packages a frozen meatballs from Ikea. Thank you for joining me. Guys drinking is expensive and that's the topic of today's introduction. Drinking is expensive. I, have a tracker APP on my phone that tells me how much money I've saved by not spending money on alcohol and today it says twenty, thousand, three, hundred and seventy dollars. But I think that number is actually a estimate and that it could be closer to about twenty six thousand dollars, which is just nuts. So a little back story when I quit drinking also owned business that I had just put a bunch of money into to expand our kitchen space that we were in. That's actually one of the reasons why I got sober because I was about to take on this huge project and I knew that I wouldn't survive if I kept drinking the way that I was drinking. So I started getting into recovery and spent my first full year learning how to not drink. I ignored a lot of the rest of my life. You know I, let my debt continue to build without. Really thinking that much about it. I kept working on business and I learned how to be sober. That was my number one priority in after your one when not drinking was my new normal I poked my head out of the sand and I realized that even as someone who considered myself as a highly functioning alcoholic and fairly responsible I had neglected some major areas of my life, my finances being number one. This is also a reason why I think that year two of sobriety is sometimes harder than the first year because usually have to do a lot of cleanup. The new shiny feeling of early sobriety wears off and you got to learn how to just live your life now. So I continued to work my ass off on a business try to be financially responsible but by year three of sobriety I realized I was on the way to needing to close my business. There are a lot of reasons behind that. That aren't super important to get into. But what is important is that closing a business especially one that you can't sell it takes a lot of difficult decisions to do. It is responsibly as possible when it comes to finances. So in between consumer debt and business debt, I have been plugging away at this giant number for close to four years now. I've had a second job for almost two years I changed careers late twenty nineteen. I lived with my parents for a little while which had its own set of challenges. But still is an opportunity that I was incredibly grateful for. And I closed my business at the end of last year I started a new job and I continued to chip away at the debt. You know thinking back when I was drinking wasn't just about what I was spending on booze. It was also about what I was spending money on when I was drunk Nordstrom. Saw Me at my worst. Also, what I was spending my money on to help myself feel better when I was hung over again Nordstrom saw me at my worst and I have the designer shoes election approve it. It was the things purchased online in a blackout. It was all the Times I said August this round when I, was happy hour with my friends blissfully ignoring the fact that I couldn't afford that next round it was the last hours spent being hung over not being able to be a productive human being you know not working not coming up with new ideas not contributing to the world. I. Dug myself into debt financially. And emotionally and physically and spiritually I mean. Alcohol puts you into debt in more ways than you ever realize I was basically in the red in always possible. But as of this past weekend. I in finally debt free. I paid off my last payment on my credit card. My business is behind me a completely closed chapter financially, and as an unmarried woman who lives in my single income household. This feels like a really big deal that I've worked incredibly hard for. But. I wouldn't be anywhere close to where I am now how they not stopped drinking.
Giles Tongue - ChatableApps
"I'm Giles. Charitable APPs on responsible for elective laps. We've recently launched charitable on the IPHONE and Android. APP and I'm looking forward to telling you a little bit about what it does, and how it fits into the well today. Awesome well, thanks for joining US Giles. And then our other guest is actually a recurring guest my mate from Overseas Jeff Cooling Jeff. Tell us a little bit about who you are and what you do. you. qualify. In orden's on them. I'm also Carter here nate now. which is predominantly, consumer focused sleep. On a voice on the we treat a smart independent ideology. Awesome well great well. Thank you for joining me today. I wanted to bring giles on us. The CEO of charitable, a very interesting new application that surfaced that I think has a lot of promise and I think it kind of speaks to happen right now. within you know sort of the the hearing loss industry, and some of the new solutions that are beginning to rise kind of stemming from the supercomputers that we all have in our pockets so we're going to get into the story of charitable how it works and the novel approach that they're taking. Wanted to bring Jeff on because I think jeff being the type of industry expert that he is. He's been in this industry for Wyle. His blog. Hearing a no is great, and it's just been a really good resource. I just figured that he would be Another great subject matter expert here to help to dive into this, so let's get right into. It Giles. Why don't you share a little bit of the background on charitable? How it started You know talk about Dr. Andy Simpson and some of the novel approaches that he's taking but just provide us a little bit of background on the Genesis of your company, and and how this thing came to be. Sure why don't we start with and then I'll go back to set set up so okay. charitable uses neuroscience led. To help people focus and here conversation essentially sound is going in conflicts that comes out simple. that makes compensation easy to follow and we're using just a small funds or an athlete says on the smart phone, and the user will get clear loud voice without any background noise the backgrounds of the company raise Andy Simpson Dr Andy Simpson and his way. In order to neuroscience and then using that understandings and this ai which we're now implementing on the small fine This is a lifetime of his work. He was a coder in the gains industry. Way Back when and Then moved into research and studying in this field devoted junior signs. Couple of years ago, he needed some help to turn the tech at and he came across the sound wave team, who just exited to spotify a brandon, and George and together with some investment liberals in with mark. Cuban they founded the company and then two. We've been working on building the the Athens what is today. joined about a year ago to outside product to market. And then about six weeks ago, we launched the IPHONE APP and really consider that as our launch, and I think during the course of recording. This will go through six thousand install so that's quite fun. That's awesome. As very cool, and how? How's that Ben Working with the cubes? He's like he's here every day on the back. That's cool, though that you guys got I mean. That's a really significant backer of technology and I think it does speak to you know the broader investing community is looking at this space in their recognizing look, there's a lot of people with hearing loss out there, and we need to kind of start to rethink the way in which we tackle this problem. Because for a long time, hearing aids have really only been the predominant solution that we've tried to you know. Try To us here and you know it's like not everything is a six thousand dollar problem are four thousand dollar problem or even. Even two thousand dollar problem and I think that's it's an important distinction to make as to why I think some of these new solutions that are more at based these sort of from the bottom up I think they meet a different type of need, Ben, what's been addressed before, and and that's part of the reason why? I'm so excited about what you are building. And I think it does speak to like okay so mark Cuban is getting involved in this space I think people are starting to see. There's a big picture here. There's a really big problem that we can solve.
"six thousand dollars" Discussed on 860AM The Answer
"Is six thousand dollars a month between the two of you that you need to live on and you want to retire well guess what you might need at about two thousand dollars if you're trying to retire before sixty five for health insurance definitely changes that picture a lot now maybe it's fifteen hundred or you know anywhere from fifteen hundred two thousand and although that's a big number that's going to change a lot of your plan and if you don't have that incorporated in really mess you up yeah that that be one of the things we thinking about once it sixty five the Medicare is more like about two to four hundred depending what type of plans and all that stuff is for picking so yeah per person so again that's something you need to be thinking about but yeah that number that two eighty five out of pocket costs for for fidelity is really just talking about the about the health insurance premiums and then just all the co pays and all this other stuff so a lot of the now since I've seen recently from roughly it should be about eleven thousand a year he should be counting on for medical costs so that's almost a thousand a month so if you figure out you need five thousand six seventy or whatever the number is at our pride another thousand for for medical and that's for the simplest way to to really count for a lot of it because again some people may never need it someday I need a lot of stuff to know so you know these are things that you may be planning for there are some better options long term care insurance is a become a horrible option because everybody's just raise rates raise your rates raise rates and there's no end in sight to all the increases so there are some better options that we have available to us but no cost no obligation all you gotta do is text the word visit to eight hundred four five four eleven eighty four again text word visit eight hundred four five four eleven eighty four or you can book that in person or on the phone meeting online at what's crater radio.
"six thousand dollars" Discussed on WWL
"So if you put. Six thousand dollars seven thousand dollars into a Roth I R into a regular IRA six thousand dollars. That'll probably save you fifteen hundred on taxes. Okay. But you don't have an extra six thousand dollars laying around. I've got the thirty six hundred that I've got to write a check Uncle Sam for. Yeah. So what happened you under withheld on your regular job or you paid nothing in on your waiting tables? I didn't pay any en. And I wasn't able to claim my daughter at the end in Fisher. Oh, that's what threw it more than. Okay. Yeah. Why you're going through a divorce? No. She took us. She took a job and made more than shoes. Grab. Okay. How old is she? She's twenty six, but she has this ability. So how'd you not made money? I would have been able to claim her. Gotcha. Okay. And in the past you have and that's what threw it off. Correct. Okay. Because of her income. It was wiser for her to take the deduction the news is what you're saying. Correct. Yeah. I think that's probably right. Okay. All right. So for next year, you've got that fixed. So you'll have the proper amount withheld and this won't come up again. Yes. My day job taking out extra. Yeah. Well, and you can set up the proper amount to come out of your regular job given that you don't have the deduction anymore. That's assuming she's gonna continue working, right? Yes. Yeah. That's the way to fix it rather than try to invest your way out of it to invest thirty six hundred to save thirty six hundred would not be a deduction that would be a tax credit. And there is no such thing to do for investing for the consumer. Where you get a one for one right off your right off is. I mean, your your deduction creates a savings equal to the percentage of your tax Bill is.
"six thousand dollars" Discussed on Biz Talk Radio
"Happening today having to do with required minimum distribution getting just jumping right into it. Right away required. Minimum distribution. So we'll be talking about that. You may have thought that. It's no big deal. You just wait till you, turn seventy and a half. And then you take money out of your IRA, your 4._0._1._K, whatever whenever pretax retirement accounts, you might have out there and don't worry about it. Well for some people. That's exactly how it works because they're taking more than the minimums. And they didn't realize that there even was required. Minimum. They just happen to be taken them out. There are strategies for you folks are also strategies for people who just are only taking money out of their retirement accounts because they are forced to big problem for some people why because not only the not the need the money. They're forced to pay taxes on the money that they didn't want didn't knees. Nice position to be in. But it also affects other aspects of their life. Could potentially affect the amount of tax that they're paying on their social security. Maybe they weren't paying tax on their social security. That's where a big deaths. That's where a big surprise often comes in. Yeah. It's unfortunate that okay, I'm going to minor tax bracket. Twelve percent widen. My taxes. Go up by twenty percent. Well, because you pay tax not only on that dollar you together. But quite a bit of a dollar of social security that you weren't paying before. That's right. I'm just saying, you know, I I have Roth IRA and living off of this. And now, I'm seventy and a half I've been on my Roth, a my social security is plenty of money for us to now. Okay. So I have to take out. I've got a really big IRA traditional IRA or one 4._0._1._K, and I've just been waiting till seventy and a half because I don't want to pay tax. I I wanted to grow. That's the best growth account. We've got right. And I've got it not. And I've read where you should just continue to defer and live off of personal money and live off of Roth and all that stuff and oh gosh. Look at this, and it has grown. Wow. I mean, you know, ten years ago. My between my 4._0._1._K, and my traditional IRA, you know, it was like five hundred thousand over the last ten years. It's like nine hundred thousand our more while whatever it is. Look at this. This is very cool thing required. Minimum distributions about thirty eight thousand dollars now thirty eight thousand dollars. Well, how bad can that be? I'd have to pay taxes on it. Anyway. Yeah. What happens is you wind up getting surprised on other things? Not just the taxes you pay on that extra thirty eight thousand dollars things like social security who knows I guess it could bump you up into the next Medicare bracket to the cost could single. Yeah. Yeah. You never know you might be living comfortably on your social security and some other distributions from your personal accounts and things you got fifty thousand dollars coming in also now you're up to eighty six thousand dollars, which is nice. I mean, thirty six thousand dollars of our MD. Yes. Oh, yeah. Well, I mean, it is it is money that you got to pay taxes on it. It's nice to have that money. It's nice to know that you don't need that money. So that case I went from twelve percent bracket. And now basically at a twenty percent cost more than that. Because I went up to the twenty two. Percent bracket. And I picked up another what? Fifty sixty seventy dollars a month in Medicare premium. Yeah, it happens. And so what do you do? Well, the what you do you strategize. So we're going to talk about that even more coming up here in just a bit. Okay. Get the phone numbers to you. Because this is a call in show if you'd like to ask your questions does that have to.
"six thousand dollars" Discussed on Newsradio 970 WFLA
"You'll find yourself a lot more understanding and a lot more comfortable about your money. All right. Robert. Let's go to the phones we have Jennifer from Inverness on lying. So Jennifer, how can Robert Palmer help you? I have a second mortgage is not to cure. It's about thirty thousand dollars. And I was offered by a company. I don't know what they were going to do. But they want to do away with alone at four six thousand dollars that legitimate. Okay. So you said the second mortgage is not securitized is that because you had a bankruptcy or a wise it no longer attached to the property. I'm sorry. So it is still actually attached to your property. We lost Jennifer. Okay. Jennifer pretty much of I understand the question. If this is a third party company out there that that's offering to somehow get your your second mortgage absolve for six thousand dollars. I don't know that I would trust that if it's the actual mortgage company if it's the actual lender who telling you they'll settle the second mortgage for that cheap. I think that's good at the end of the day. It really just depends. There are second mortgage holders out there that they win the house is upside down, and they no longer have a security interest. Or we see this a lot in the case of chapter thirteen bankruptcy. When you file a chapter thirteen bankruptcy. Sometimes that second mortgage can actually be detached from the property, or you know, basically, it has no longer has a security interest in the property. And at that point we've seen banks that are willing to come in and do those for reduced amounts and settled for much less. It depends on the situation there and so gain if it's the Bank that you make your payments to every month who's offering to settle the loan for six thousand dollars. I would say go for it. If it's any other third party company. I it sounds like maybe a little fishy. And I would be. Weary of that. And I would reach out to the Bank you make your payments to and figure out there. Affiliated with that company. Or what their thoughts are on the idea of settling that debt for for less than about do? You know, I've been been really watching so much of the news lately about housing, and it just seems to me like your advice on up his so right on Robert. Because it looks like it with all this going on with the latest settlement the twenty eight billion, whatever it is and the other settlements. There's probably going to be some miscreants coming out of the wood writing you a letter saying, oh, we can help you through this only send us five thousand dollars, and we'll get it all done for you. Yeah. You know, we we see this. The my advice people is one obviously do research online. Check it out Google the company's name with scam or fraud. You know, reviews check it out make sure it's legitimate number two. If anyone is offering to help, you save your home from foreclosure, get a modification anything like that. You know, you've really got to choices when it comes to saving money. A is refinance with a mortgage lender. And you wanna make sure that mortgage lender is licensed or be talking to an attorney to try to negotiate a modification or shorts or something like that. And if that's the case, you wanna make sure you're working with an attorney who is a licensed attorney and who's a member of the Florida bar who can legally do that for you. There were these foreclosure companies that popped up, and they would offer do these negotiations. They did not have a law degree. They were not lawyers and a lot of them ended up being scams. And we saw the attorney general having to go in and raid, some of these companies a lot of them were just call center sweatshop type places where they would take your money. You know, promise, you the world take your money over the phone, and then do absolutely nothing. And then give a lot of excuses throughout a process that never ended up anywhere. And I mean, we saw a lot of a lot of the news a lot over the last couple of years of these companies being shut down, but there's still some out there. And this may be the new thing going after these people, you know, with second mortgages and saying, hey, we've got a deal for you. Send us a couple of thousand bucks wipe out your second mortgage, and you send that money you never hear from them again..
"six thousand dollars" Discussed on AP News
"Six thousand dollars. Also, the limit on annual contributions to an IRA which haven't increased since two thousand thirteen were increased to six thousand dollars from fifty five hundred dollars. Toyota's recalling more than a million vehicles worldwide. AP's Jackie Quinn reports. It's all because of a new airbag problems recall effect seventeen thousand Cihan X vehicles that were sold in the US between two thousand four and two thousand six the other models affected are sold in Europe and Japan, like the events Corolla and wish the problem is an electrical short that can cause airbags to inflate even if there isn't a crash and the seat belts to tighten or render though systems inactive when they're needed dealers will replace the airbag control unit owners will be notified in December. I'm Jacky Quin. President Trump says he'll soon take another step to cut down on illegal immigration this one aimed at migrants seeking asylum in the US AP Washington. Correspondent saga megani reports. The president says migrants are making a mockery of the system with illegitimate asylum claims that illegal border crossings, he says he'll issue an executive order changing that instead migrants seeking asylum. We'll have to present themselves lawfully at a port of entry in a long statement at the White House. He waved off questions about how that would be legal since the US law says migrants can seek asylum. No matter how they arrived at the border. This is Linda where stopping people at the border. This is an invasion. He says he told US troops mobilizing at the border. If migrants tried to throw rocks at them the rock should be treated as if their rifles. Hi, I'm making crane AP digital manager and host of the podcast ground game. I look at the top political issues bubbling up around the country ahead of this year's midterm elections. It's available on apple podcasts and podcast one. While you're there, be sure to subscribe rate and review it that's the podcast ground game. AP.
"six thousand dollars" Discussed on KTLK 1130 AM
"Million. Dollars can be, bought for six thousand dollars or something in some cases this is, literally happening the guy who made. A ton of, money and he's just just real quick in layman's terms Bill Browder going around. Screwing the Russian people making hundreds of millions of dollars then he ended up screwing the Russian government because he doesn't pay his taxes What is Roger citizen pays taxes engaged on schemed to avoid taxes I not. Born in born in the United States he renounced us citizenship now you know You. And I don't like taxes but your thought about. Renouncing your citizenship to. Avoid, paying taxes It's Right and this is a guy who literally renounced he's no longer US, citizen but he actually has been in the media for some, time but he flies under the radar because he just goes up, you you have never seen. Him ask a difficult question wants ever testified in front. Of we're going on one year ago almost to the day testified in front of congress in front of the Senate and every single. Senator and I mean people from Dianne Feinstein to people like Chuck Grassley every one of them just deferred to this. Guy no one brought up the fact that he renounced. Citizenship That his his grandfather's spy for Stalin no-one anything negative at all but the most important thing isn't even that.
"six thousand dollars" Discussed on WPRO 630AM
"I welcome back busy monday gotta love the snow april second coming down it's actually sticking sticky snow sticking to the trees so go slow this morning four three eight nine seven seven six let me just squeeze johnny cranston from our last conversation i'm getting a lot of emails saying my house went up twenty six thousand dollars twenty six thousand dollars he said this is joe in cranston he said the voters are not happy just like the previous guy said playing with the evaluations on your home you don't own you rent from the city uhhuh john's in cranston is this the same john good morning john morning show that was joe you're john hi yes about my tax mike went up and i feel as long as being disingenuous what he says we're not having a tax increase my taxes went up obviously my evaluation went up and it's all based on that and i just feel fuck van disingenuous he's just playing political talking on both sides of the issue here anyway and i i i haven't met anybody yet who's taxes went down he indicated i believe last last weekend that's to the people that actually will go down to the people of taxes would go up the people of taxes would say the same i guess i'm in i'm in the wrong food anyway i just wanted to add that thank you have a good day.
"six thousand dollars" Discussed on KDWN 720AM
"Six thousand dollars over the year and their whole household income was only one hundred thousand dollars between her and her husband and so if i'm looking at a six percent redone action in taxes that's you know my overall income that's probably a little high now if it was a two or three percent reduction in taxes so i'm going to pay two thousand or three thousand dollars less on that one hundred thousand dollars of income that's probably in the ballpark six thousand dollars less on that hundred thousand of income that just sounded a bit too much to me all right so to avoid i mean let's say normally you you break about even maybe you get a little bit of money back but it's nothing all that big to avoid the bill for april of two thousand nineteen professor plum to avoid having to be surprised because hey we didn't withhold enough we want it now next april how do you take a look at this where do you where do you do to make sure where do you go to make sure that you're not hit hit with a surprise next april you go to somebody who actually understands a little bit about taxes and you say okay if my income is the same it's all about if my income is relatively the same this year as it was last year and a lot of people have similar income year to year what did i lose as far as deductions i know i might have lost i know i did lose my personal exemptions am i itemize ing or am i not itemizing so basically you go through and you do a little quick tax proforma projection to see what will i oh so i go through say here's my total income here's my deductions here's my taxable income based on the tax brackets that we we have available my taxes are.
"six thousand dollars" Discussed on BizTalk Radio
"Six thousand dollars over the year and their whole household income was only one hundred thousand dollars between her and her husband instantly if i'm looking at the thing at six percent reduction in taxes that's you know are my overall income that's probably a little high that it was a two or three percent reduction in taxes so i'm going to pay two thousand or three thousand dollars less on that hundred thousand dollars of income that's probably in the ballpark six thousand dollars less than that huh thousands of income that's it sounded a bit too much to me all right so so to avoid i mean let's say normally you'd be break about even maybe you get a little bit of money back but it's nothing all that big uh to avoid the bill for april of 2019 professor club to avoid having to be surprised because hey we didn't withhold enough we want it now next april how do you take a look at this where do you do to make sure where do you go to make sure that you're not heeded hit with a surprise next april you go to somebody who actually understands a little bit about taxes and he said okay if my income is the statement it's all about if my income is relatively the same this year as it was last year a lot of people have similar income year to year what did i lose as far as deductions i know i might have lost my i know i did lose my personal exemptions mi itemising for him i not itemising in still basically you go through and you do a little quick tax pro forma projectionist he what will i o so i go through it here's my total income here's my deductions here's my taxable income based on the tax brackets that we we have available my taxes are going to be x amount of dollars at the current rate that i'm withholding money and understanding i have exdenver of pay periods left in the year i am going to either withhold enough or not withhold enough and if i'm not going to withhold enough.
"six thousand dollars" Discussed on Talk 1300 FM
"Six thousand dollars is how much and shoes in gps paid m two water and eighty six thousand uh uh uh i think you said what's his church with trump i well what we know is he's no longer a an intelligence agencies cut its own company in london he gets hired by private companies campaigns people to investigate claims he's an expert on russia houston gps tired christopher steal to look into trump's business dealings in russia and he went to all his sources there in the government and out and if you read today's washington post front page story that you can get on line two details very clearly he was shocked by what he found after hunting for a short period of time how much how many russians told him that the kremlin had compromising information on donald trump so natural and overwatch and he was upset when he discovered those because the the man he's investigating was on the verge of being elected president added states and could be in a compromise position when dealing with the russians so i i don't see an aimed out as the the election what went on and the democratic primaries between hillary and bernie sanders we can look at that that's a different issue it's not outside interference it's weather the democratic national committee rigged iowa and other states and super delegates and all that to keep an outsider bernie sanders from winning the democratic nomination bad stuff we don't like it but it's not at the level of a foreign government trying to interfere in our election.
"six thousand dollars" Discussed on WINS 1010
"Of crack and six thousand dollars in cash thirty nine year old vladimir ulysses was charged with numerous counts of criminal possession of a weapon and drugs president trump undergoes of physical tomorrow on he was asked about that today by reporters yeah i was very hard to hear so in case you missed it he said it better go well otherwise the stock market is not going to react well the exam will take place at walter reed medical center and will be the first physical for the president since he took office it's not clear what the white house will release about the exam wins news time four fifty five women are accusing actor james franco of inappropriate behaviour but he says the stories are inaccurate and that he supports the rights of women to make such accusations pablo social media post's about frankl came during sunday's golden globe awards for go won best actor in a comedy film and was wearing a is up a pin onstage several twitter pulse even to tell the allegations actress aaliyah sheedy posted cryptic tweets suggesting something franco did cost her to leave the business on late night with south wires franko said he doesn't know to what she dis referring i had a great relationship with her she took the tweet down i don't know i really now he says will fix it whatever it is he also said he has his side of the stories but for now is enforcing it out of respect for the whole times up movement jim roope los angeles bill cosby made a reference to the meeting movement this week the philadelphia inquirer says he shook of female reporters hand and said please don't put me on hashtag me too i just shook your hand like a man cosby was at a restaurant at the time wins news time four fifty one from.
"six thousand dollars" Discussed on Super Station 101
"Hundred and forty six thousand dollars from td candidates for us and ups somehow miss place it and they have offered an apology in agreed to pay the thirty two dollars for the mailing costs back to the man through byrom moving so magnanimous shah's can't i mean can you imagine eight hundred m what are you doing in your england heritage and that's what i don't understand about the road rank pick that up because yeah i don't understand i'm marty ther her to words for your wire transfer well it said his sister uh mailed him his share of the inheritance uh and you i guess ups was the one that was handling it i suppose here's the make any sense why would you do that if you if it's that much monte there you can even if you're broke now you can find a way to put gas in your car to go pick that money up even if you've gotta sit out of for a week of walking to the bank go enter trust me i'll pay your back i'll pay you back door take a brother a good fourth i would walk i would i would walk for a week straight and then once i got to the bank got mamani walked to the nearest car what i'm going back past well it says taylor whose the sister sent the money through ups from uh from her lawyer about two hundred seventy miles away so she's she's within driving distance all right um so herbert that's the guy that was supposed to receive it wouldn't have to worry about picking up the money because he wants to worry about job and down to pick up eight hundred forty six thousand dollar or herber herbert temerity britain can unreal for popo bombing no one herbert you should have issued his tight something closure won't countries saw about your priorities harbor herbert term also got one jetski you'll love the catch i guess so canadian cash not i don't know how the candidate came and all the s biggles ari that was part of the.
"six thousand dollars" Discussed on KNBR The Sports Leader
"Hashtag mm thanks israel throwback of that out how much did you wind pocketing on that alltold i think it was like six thousand dollars that house behind it does number one it was weird our numbers were never uh pulled but you know what he did he like any brilliant ponzi scheme are he kept us in it he was like we actually won seventy one dollars you couldn't i did a great job you did you were very good at that and we were soccer side baba's got shove it which is brought to you by granger bubba water we have joe girardi will be a manager somewhere next season it or shove it there's part of me because it was the choices made for him that he's going to want to get right back into it were if he chose himself you made back away from it for a little bit so for that reason i i say i love it i think he'll wanna jumped back into a would not be shocked at all if he if he's broadcasting for years are there any openings right now besides washington does is that the only jet philadelphia's often the only reason i'd save shove it is that this is a limited that opportunity to found that out before i said you know i mean a lot of most other teams finished their seasons among jaeger right you're right i so i'm gonna say shove it you know just based on this i mean if the nationals don't want them go to philly he could is that a building situation is that what he wants i think if he if he were off at the nationals job i'd be surprised if he didn't agree with that i agree with that but but because that's just one situation i'll say i shove it bubba what are you now behind you is a tp looks like the kids got a little iran bunks his last night they tpg yeah i used to do that john daly got me good used to do what you would put toilet paper in people's trees absolutely it's really cool when you do it the right wearing a throw that that role and it just unfurled right over just how you want us to really cool yeah noticing their holes with your hope it rains after that out of wind try that.
"six thousand dollars" Discussed on KNBR The Sports Leader
"That alltold i think it was like six thousand dollars no that house behind it is number one it was weird our numbers were never uh pulled but you know what he did he like any brilliant ponzi scheme are he kept us in it he was like they won seventy one dollars you couldn't hit a great job you were very good at that and we were soccer everywhere all right baba's got shove it which is brought to you by granger bubba why do we have joe girardi will be a manager somewhere next season the lover shove it there's part of me because it was the choices made for him that he's going to want to get right back into it were if he chose himself you may back away from it for a little bit so for that reason i say i love it i think he'll wanted jumped back into a would not be shocked at all if he if he is broadcasting for yourself are there any openings right now besides washington is that the only jet philadelphia's opener the only reason i'd say shove it is that this is a limited opportunities found that out before i said you know i mean a lot of most other teams finished their seasons a mug iggo right you're right i'm gonna say shove it just based on this i mean if the nationals don't want them go to philly he could is that a building situation is that what he wants i think if he if he were offered the nationals job i'd be surprised if he didn't agree with that i agree with that but but because that's just one situation i'll say i shove it bubba what are you now the behind you as a tp looks like the kids got a little rambunctious last night they tpg tree yeah i used to do that we gotta be good used to do what you at pretoria supreme people's trees oh absolutely it's really cool when you are the right wearing a throw that that role and it just unfurled right over just how you want us to really cool yeah noticing holes radio hope it rains after that you gotta wind try that.
"six thousand dollars" Discussed on KBOI 670AM
"Six thousand dollars that's the same as bind five vehicles at around thirty thousand dollars each police chief joe half says he knew when he took over the department in two thousand six that the aging fleet was in bad shape tactical units would break down on the way to a call and sometimes have to be towed not all vehicles are being leave east this fiscal year nampa will by nine new chevrolet tahoe 's four patrol use 8 more will be bought in two thousand eighteen tyler martin six seventy kboi well it looks like we're expected break a record this year for halloween spending the national retail federation says they expect americans will spend about nine point one billion dollars this year up more than 8 percent over last year and nearly seven intent shoppers say they plan to buy costumes with more than three point seven million kids saying they want to be an action character were superhero for tricker treating batman is the most popular superhero costume this halloween five and a half percent of kids say they want to the dark night princess was the most popular costume for girls also at five and a half percent spiderman star wars characters animals and other action and hero costumes were also very popular among kids this halloween i'm john stolnis let's see today what's happened in in hollywood when legal necessary than west that i give that geno for lopez is coming through four puerto rico sunday a new york djalo said she plans to donate one million dollars from her las vegas concerts to the islands hurricane relief efforts djalo called herself a proud puerto rican she was born in new york to puerto rican parents what's well let me god debbie levada was working to help children in wartorn regions this weekend the singer was named a global citizen ambassador to champion the mental health of young people scarred by violence in places like iraq where fighting has displaced more than three million people since 2014 labato who shared a roads struggles with mental health and other.
"six thousand dollars" Discussed on The Dave Ramsey Show
"To go to the funeral you want to buy a house that was last call right something happens it goes in our priority look at this money thing i pay attention almost are paying attention and the first thing that happens is you kind of start making these lists in your mind you don't really write them down because you're not as nerdy is me and the but the fog starts to clear and you start to go you have an old crap moment don't you like oh crap this is a mess will who got that last caller i got six thousand dollars in collections and and there's this oh no moment ripe and you can't get the sweat going you know you remember the sweat usually like right above you're li up a little bit in the palm of your hand some knows a little bit right above your eye your eyes dial at your heart rate increases and you're like oh crowed i got a problem here this is like grownup stuff i'm going to actually have to pay attention that's the first thing that happens is you realize there is a problem that is the best day of your financial life if you let it be my dad used to say ninety percent of solving a problem is realising there is one ever meet people who have misbehavior behavior in their lives but they're not selfaware enough to know it they don't even others problem are oblivious their unconscious about life and about their problem they're never gonna fix exerting think there's a problem they don't know there's a problem this is a mood your finances you're not gonna fix it dino's problem the best thing can happen as you go there's trouble oh my gosh there's rabble then you start to realise i'm the problem.
"six thousand dollars" Discussed on Bon AppÃ©tit Foodcast
"I didn't have a mortgage or kids so i could so i quit my job in the music business thinking a little bit a restaurant whenever i had an of money kind of save where was and if it didn't work i i wouldn't be like homeless anybody can it but you are in deeper than what you thought you were going to be an rhino that then then i end up spending could it didn't costs four thousand cost like six thousand dollars so i spent everything i had every cent i had an end to borrow a little bit of money even to to to open the spot a pig but so that point like i i was like damn on this better work out her unscrewed okay let me see this can um i'm not tally shred of phrases you are not you don't you're not exactly the most fifth studious in over of guy in the world so what made you think that you could run a restaurant which is like that it's i'll all the business in the numbers and the and the staff in like the permits in all that nonsense what convince you that you could do that and make a profit from one in this thing i believe than what i believe now because i'm i don't know him that much more honestly that idea that about a running a restaurant in finances labor costs and food 'cause i believe then as i do now that butson seats solves everything that if i could get customers to come and give us their money in exchange for a great experience it would old colonel were bigger and that's really the case and my my best restaurant friend in new york then an and now moria batalli.