36 Burst results for "three hundred dollars"

What we really think about the new 8th-generation iPad

The 3:59

06:13 min | 7 hrs ago

What we really think about the new 8th-generation iPad

"The eighth generation IPAD may not be the sexiest new tablet on the block with the starring price of three, hundred, twenty, nine dollars. It might be the one you're most likely to buy. So Is it worth? I'm Roger Chang and this is your daily charge with me is our IPAD expert Scott Stein welcome Scott. So Scott we had you on right after that September apple than to show your impressions of all the announcements and the eighth Jan. ipad was not the most exciting product mentioned. You know we spent a little time talking about it but. You spent a few weeks with it. Has, your. Opinion Changed, are you what are you feeling about it now I think it's fine. I think it is not surprising IPAD. This is an IPAD that reminds me of last year's ipads because it practically is last year's ipads the the IPAD air twenty nineteen and the IPAD mini in two thousand nineteen had the same chip the IPAD air in this at the same Ram. It's basically that for less. There are some trade offs here that are tiny, but the IPAD air was more expensive. Now, that's now that's an all on the apple store. The IPAD mini is, but it's a tiny bump up in price. So you know three, hundred, twenty, nine dollars. This gets in at a much more affordable proposition, the the IPAD air that's coming. which is who knows when it probably in a couple of weeks is more expensive at starts at six hundred dollars. So it looks nicer. It looks like a less expensive pro. But I think when you're talking about almost doubling the price that. That really gets into a different territory for people. Yeah. Definitely. Anthony Twenty nine starting at three, twenty nine. It's obviously the most affordable option for someone looking for an IPAD. Ultimately for you who should be looking at this IPAD is primary option I. think if you just think of an I had something to have lying around check my email to look at shows to have one for your kid. This is that one if you don't care about step up bells and whistles, you don't want like a fancier toy. Not to call ipads toys I think they're very useful but I think that there is a point at which if you try to push an IPAD to become your everyday computer, you're going to have what you call pain points. You know you're going to have these difficulties that increase as you try to throw it out more. And I go to my laptop all the time because I need to. So that's the thing about the pro. He's got a lot of upsides that could be interesting, but you really have to map out whether that makes sense for you and if you WANNA think of it as like a fun thing for you but IPAD is totally perfect doing all that other stuff that being said. You know you got to bump up from the thirty two gigs of storage I think. That is too low an amount. For for what you'd be paying for this if you want it to last. Year's, and then you're talking about four twenty, nine Ri-, which slightly changes the equation a bit. He does you talked about our kids using this and a lot of kids obviously doing remote learning right now I've got a friend of mine who know he told me when he offered his kid a Mac, a choice between a Mac and ipad actually chose the IPAD. But isn't that really geared for remote learning for Education I think the older you get it's it's very nonsuited for it. You know we have a seven year old and eleven year old seven year old uses an ipad that we have around that. We use for remote learning it suitable. I think it's great. For eleven year old uses a chromebook and I think that's what you absolutely need for the types of. Work assignments you're doing your editing stuff, etc. Now ipads work with track pads, and so there's like on the entry level ipad they don't. It doesn't have this gets to accessories. Apple has beautiful but very expensive magic keyboard. That's like three hundred dollars. There are different accessories for this entry ipad. There's a Logitech Combo touch, which is still expensive one, hundred, fifty, dollar track pad keyboard I've been using with it. It's kind of like a surface with a kick stand. Type layout, but it's good for turning into a kind of a laptop but the point is that you can edit use a track pad. You'd be surprised at it can do more than you think, but some web apps some tools a google drive works well with it now but like some things don't. And you just don't know whether you get to that point where a problem especially with file storage file maintenance and chromebooks are weird too. But they're much more like web tool type based. Think the IPAD gets a little bit hotter with that. It, and then the I mean the big difference here as you said, it's identical lashes model. The big difference is the H. Wealth processor. How people differences that make you know I'm so used to seeing like. Standard. New I IPAD iphones. It doesn't feel particularly special, but I think it's necessary to get up to speed with. We're is going and we're going the processor was a couple of years old. It was feeling a little sluggish. They twelve is not like super zippy in comparison it's it's basically fine. It gets to the like very good fine point. So you know I could use an IPAD totally, but I think it's getting to the point where you might not be able to use it. So on the future and it gets to the point, I don't think you need to upgrade to this win -sarily. If you have an IPAD lying around, that's working fine you can probably keep using it. This is like you know between this last year's IPAD entry of like last year they did the. Works at Pencil works with the smart keyboard made the screen a bit bigger. It adds up to like one set of upgrades. But this thing still uses lightning. It still has a home button, the Basil's or kind of big. So for Split Screen APPs, it's not ideal. That's a the cameras a little less good than last year's IPAD air but that's not the problem. It's on the side ipad cameras on the side that kind of sucks because. You. Know if you're doing zooms and things like that your faces off center and I have not really sell for that and they should but I don't know how long it's GonNa take for an ipad to have a side. Mounted. Camera. To address this. So just F Y that's another thing now that we're doing everything over zooms in remote,

Apple Anthony Twenty Roger Chang Scott Stein Logitech RI Google
8th-generation iPad review

The 3:59

05:07 min | 7 hrs ago

8th-generation iPad review

"With me is our IPAD expert Scott Stein welcome Scott. So Scott we had you on right after that September apple than to show your impressions of all the announcements and the eighth Jan. ipad was not the most exciting product mentioned. You know we spent a little time talking about it but. You spent a few weeks with it. Has, your. Opinion Changed, are you what are you feeling about it now I think it's fine. I think it is not surprising IPAD. This is an IPAD that reminds me of last year's ipads because it practically is last year's ipads the the IPAD air twenty nineteen and the IPAD mini in two thousand nineteen had the same chip the IPAD air in this at the same Ram. It's basically that for less. There are some trade offs here that are tiny, but the IPAD air was more expensive. Now, that's now that's an all on the apple store. The IPAD mini is, but it's a tiny bump up in price. So you know three, hundred, twenty, nine dollars. This gets in at a much more affordable proposition, the the IPAD air that's coming. which is who knows when it probably in a couple of weeks is more expensive at starts at six hundred dollars. So it looks nicer. It looks like a less expensive pro. But I think when you're talking about almost doubling the price that. That really gets into a different territory for people. Yeah. Definitely. Anthony Twenty nine starting at three, twenty nine. It's obviously the most affordable option for someone looking for an IPAD. Ultimately for you who should be looking at this IPAD is primary option I. think if you just think of an I had something to have lying around check my email to look at shows to have one for your kid. This is that one if you don't care about step up bells and whistles, you don't want like a fancier toy. Not to call ipads toys I think they're very useful but I think that there is a point at which if you try to push an IPAD to become your everyday computer, you're going to have what you call pain points. You know you're going to have these difficulties that increase as you try to throw it out more. And I go to my laptop all the time because I need to. So that's the thing about the pro. He's got a lot of upsides that could be interesting, but you really have to map out whether that makes sense for you and if you WANNA think of it as like a fun thing for you but IPAD is totally perfect doing all that other stuff that being said. You know you got to bump up from the thirty two gigs of storage I think. That is too low an amount. For for what you'd be paying for this if you want it to last. Year's, and then you're talking about four twenty, nine Ri-, which slightly changes the equation a bit. He does you talked about our kids using this and a lot of kids obviously doing remote learning right now I've got a friend of mine who know he told me when he offered his kid a Mac, a choice between a Mac and ipad actually chose the IPAD. But isn't that really geared for remote learning for Education I think the older you get it's it's very nonsuited for it. You know we have a seven year old and eleven year old seven year old uses an ipad that we have around that. We use for remote learning it suitable. I think it's great. For eleven year old uses a chromebook and I think that's what you absolutely need for the types of. Work assignments you're doing your editing stuff, etc. Now ipads work with track pads, and so there's like on the entry level ipad they don't. It doesn't have this gets to accessories. Apple has beautiful but very expensive magic keyboard. That's like three hundred dollars. There are different accessories for this entry ipad. There's a Logitech Combo touch, which is still expensive one, hundred, fifty, dollar track pad keyboard I've been using with it. It's kind of like a surface with a kick stand. Type layout, but it's good for turning into a kind of a laptop but the point is that you can edit use a track pad. You'd be surprised at it can do more than you think, but some web apps some tools a google drive works well with it now but like some And you just don't know whether you get to that point where a problem especially with file storage file maintenance and chromebooks are weird too. But they're much more like web tool type based. Think the IPAD gets a little bit hotter with that. It, and then the I mean the big difference here as you said, it's identical lashes model. The big difference is the H. Wealth processor. How people differences that make you know I'm so used to seeing like. Standard. New I IPAD iphones. It doesn't feel particularly special, but I think it's necessary to get up to speed with. We're is going and we're going the processor was a couple of years old. It was feeling a little sluggish. They twelve is not like super zippy in comparison it's it's basically fine. It gets to the like very good fine point. So you know I could use an IPAD totally, but I think it's getting to the point where you might not be able to use it. So on the future and it gets to the point, I don't think you need to upgrade to this win -sarily. If you have an IPAD lying around, that's working fine you can probably keep using it.

Apple Scott Stein Anthony Twenty Logitech RI Google
Cheap TVs for under $300

Talking Tech

02:29 min | 16 hrs ago

Cheap TVs for under $300

"For under three hundred dollars. Now I'm Jefferson Graham Ula Santa talking. Tech. If you were to walk into a target best buy or some other big box retailer and you really can't miss them the rows of those large forty, three inch and fifty insets selling for two and a quarter to three hundred dollars. Four K. with built in Roku? SMART TD. Two hundred and twenty five dollars you gotta be kidding me. Well, the sets are usually made by TCL, which has three of the top five on Amazon's TV. Bestseller list or insignia, which is best buys house brand. It has the other two spots on the Amazon Chart, and again, both of them have four K. resolution built in smart TV streaming, and they can showcase programming and HDR which stands for high dynamic range producing brighter richer colors. The best buy sets answer to Alexa while the TCL sets will answer to Alexa or the Google Assistant. So what's the catch? It's minor and it's obvious. The picture quality is not as good as the mid range and more expensive TV's. But I would argue that most people wouldn't be able to tell the difference. Now if you're sitting right in front of the TV, it's going to look amazing if you're on the left or the right for the far. Away. To look good unless you spend a grand most people don't WanNa, spend a grand they want to spend three hundred dollars that built in streaming player is quite the deal it sounds small, but it's huge. Now, the old way spent twenty five dollars to a hundred dollars for a Roku or Amazon Fire TV stick and connected to an open hd mice slot on the back of the TV. Put Batteries in the road control put the streaming remote control next to the TV remote control. Turn the TV on ADJUSTER HD my settings to streaming. Then pick up the streaming remote access and control the menu. Now the new way

Amazon Alexa Jefferson Graham Ula Santa Tv. Bestseller Google
Fresh update on "three hundred dollars" discussed on Talking Tech

Talking Tech

02:35 min | 16 hrs ago

Fresh update on "three hundred dollars" discussed on Talking Tech

"For under three hundred dollars. Now I'm Jefferson Graham Ula Santa talking. Tech. If you were to walk into a target best buy or some other big box retailer and you really can't miss them the rows of those large forty, three inch and fifty insets selling for two and a quarter to three hundred dollars. Four K. with built in Roku? SMART TD. Two hundred and twenty five dollars you gotta be kidding me. Well, the sets are usually made by TCL, which has three of the top five on Amazon's TV. Bestseller list or insignia, which is best buys house brand. It has the other two spots on the Amazon Chart, and again, both of them have four K. resolution built in smart TV streaming, and they can showcase programming and HDR which stands for high dynamic range producing brighter richer colors. The best buy sets answer to Alexa while the TCL sets will answer to Alexa or the Google Assistant. So what's the catch? It's minor and it's obvious. The picture quality is not as good as the mid range and more expensive TV's. But I would argue that most people wouldn't be able to tell the difference. Now if you're sitting right in front of the TV, it's going to look amazing if you're on the left or the right for the far. Away. To look good unless you spend a grand most people don't WanNa, spend a grand they want to spend three hundred dollars that built in streaming player is quite the deal it sounds small, but it's huge. Now, the old way spent twenty five dollars to a hundred dollars for a Roku or Amazon Fire TV stick and connected to an open hd mice slot on the back of the TV. Put Batteries in the road control put the streaming remote control next to the TV remote control. Turn the TV on ADJUSTER HD my settings to streaming. Then pick up the streaming remote access and control the menu. Now the new way after you've bought one of these TV's turn on the TV with supplied remote control. have access to programming with one remote and get streaming without having to adjust the HDMI settings. These sets are really geared to the cutting the cord crowd. If you have a cable box, you'll still need to adjust HDMI settings to get to cable and maybe use your cable providers remote control as well. But if you're willing to put an antenna in there. And just access programming for streaming or the antenna you will find hundreds of hours of stuff to watch. So that's the skinny.

Amazon Jefferson Graham Ula Santa Alexa Tv. Bestseller Google
Why a dedicated Zoom device makes sense

Talking Tech

03:02 min | 4 d ago

Why a dedicated Zoom device makes sense

"You'll recall that earlier this week I had a lot of fun with that new Microsoft Eighty, five inch dedicated device for teams meetings. It's only twenty two thousand dollars little much for my budget I. Don't know about you but it's been a week for dedicated video meeting devices after that Microsoft announcement though I gotTa love, Amazon's answer which came later in the week, a dedicated ten inch unit for two hundred, fifty dollars the echo show ten, which lets you go through Alexa to connect to zoom skype or Alexa to Alexa direct calls two hundred and fifty dollars. Twenty two, thousand dollars I think I'll take the cheaper one Alex, thank you. I think these dedicated devices when they're priced, right make a lot of sense i. mean think of the kids were stuck at home taking school on their laptops. Now, they could have one more unit just displaying the teacher and lessons which would give their hands free for schoolwork and no taking on the laptop make sense for those of you who are taking meetings all day. The same issue applies isn't it hard to take notes when your laptop screen is filled with Speaker video windows. Plus this way you wouldn't have to worry Webcam placement after all his best to be at eye level which most people ignore and not have the Webcam looking up your Chin that requires putting the laptop atop of a bunch of books which gives you a better look, but it makes it really hard to type. So the savvy speaker or student would have to constantly move the books around that dedicated service on the desk would solve the issue living atop the. Books that could just stay there and not have to be moved around. So Amazon has the echo show ten, which will be out later this year it'll let you connect the Webcam to the TV via the hundred and twenty dollar fired TB Cube device. So so maybe it won't be watching eighty five inches how about fifty or sixty sounds pretty good p particularly when you consider that you can buy a good fifty inch these days for about three hundred dollars. Now, the Amazon solutions won't be available until later this year. But if you have a facebook portal video chat device, you can use the dedicated unit now to connect to zoom because the update started rolling out today. The portal started one, hundred, twenty, nine dollars, and they're available in three sizes at eight, inch, ten inch or fifteen point, six inch. The addition that connects the TV which is called. Portal. TV is not yet supported for the zoom calls meanwhile, that's not all folks next week on Wednesday Google holds its annual fall hardware product event where it's expected to unveil a new top of the line smartphone and updated streaming device and a new take on the nest home hub video display unit last year's nest. Didn't work with zoom or initially even with Google's meat though it does now but not zoom zooms coming later, and I know I can pretty much rest assured that the new Google video display unit we'll be working with zoom and hopefully working well

Alexa Amazon Google Microsoft Alex Facebook
Talking Apple's announcements with Phandroid, Nick Gray

Pocketnow Weekly Podcast

05:36 min | Last week

Talking Apple's announcements with Phandroid, Nick Gray

"I get the irony of having the editor in chief of Android come on to talk about the apple event. Hey I watched it and let's do this. Okay. I'm not an apple fan boy I can still appreciate good products right? Same same. I used to work in android authority and every time every time I put out a even the slightest thing about an iphone thought that I was a traitor and I was like guys like. I'm allowed to carry more than one phone at any time. So here's the thing. First of all got to give the UPS to help apple. Granted, they have the backing of their partners like Pixar, for example, to make what is a very good looking presentation as far as the quarantine level. Kovin affected trade shows and events and tech shows are concerned I. You know you could. You could expect apple to put put on a good show. It was pretty good granted like with any apple event I kind of not really does off but obviously, like eventually they get into the weeds with their products and you just kind of like okay. Cool. You're you're updating all the IPADS. Dating. All of the Appalachians and whatnot but the whole fact that an iphone twelve was not part of this were you surprised I know people were people were not I was not surprised based off of they set in their last earnings call that the IPHONE would not be coming until. October. So I'll look I mean they they clearly said it wasn't coming and a lot of people seem to have missed that or forgot that Nah and they didn't even they even sent out a reminder once once the event was announced. That no he said the IPHONES. Not Coming till October. and so a lot of people kinda miss that and so that was the speculation of what are they going to announce for a lot of people because some people knew that they weren't announcing the new iphone. So when they sent out the invitation with that weird, it was the apple logo but. Yeah like circling and Tom Whatever I mean. We were speculating that a new apple watch was going to be coming and likely some IPAD information So yeah, I mean that's basically it will. We got the new IPADS and. The. New Apple Watch is because now we have what is the series six is the new one and then the Apple Watch s e. so just like the iphone se we have an apple watch se which is A. I don't WanNa say dumbed down version of the watch because. It's still an incredible piece of Gadgetry but it doesn't have some of the sensors that the main watch has making it useful for somebody who's wanting an apple watch for all of the health and fitness benefits that you can track with the device, but it's probably something more geared towards. A cheaper watch for you know your kids are family members who may not be into fitness tracking you know I would even argue like I agree with you there, but I would even add on top of that. When you put the letters s e on anything apple. I get interested. Like I'll just speak from personal experience because like. If I were to choose if I have no other like knowing that I have other things like my own cameras and my own gaming consoles and stuff like that. If my smartphone was not the center of my universe, then something like a pixel for a which literally I you and and or an iphone se those were the perfect choices for me like I'm actually into. dumbing not dumbing down, you said dumbing down but like slimming my smartphone experience for a better price and they're doing it with smart watches and your Indiapol- ecosystem. I'm actually kind of impressed. Yeah. It is a very, very impressive device and it comes with and Lt version as well which pairs with their new family, what they call it the family sink plan now. Now, you do not need to have it's not a one to one match between a a watch and a smartphone you can connect multiple watches to a single smartphone. So that, you can get on Apple Watch for your children. And also your aging parents so that you can have location tracking and communications with them and fall detection and accident detection. Features built in and pair that with a single device rather than having to have multiple iphones in order to pair that with which makes the Apple Watch. Probably, the first gadget that most parents are going to buy for their children that are not smartphone age ready yet. Yeah. Indeed, and because there's this huge marquette of children friendly watches that are connected that they can make phone calls that they came message their parents or a select small group of people and individuals, and most of those costs. One, hundred, ninety, nine to three, hundred dollars, and all of them have to be paired with a ten dollars a month service plan through your carrier. And just to be clear, the pairing of these devices must be paired with the L. T. E. or this the connected version not just the WIFI version. Yeah, Mindy. So you do have that little bit extra and you do have that monthly subscription that you're gonNA have to pony up for yeah,

Apple Editor In Chief Pixar Tom Whatever Mindy L. T.
Breaking down Apple Watch, iPad, Oculus Quest 2 and Facebook glasses

The 3:59

04:46 min | Last week

Breaking down Apple Watch, iPad, Oculus Quest 2 and Facebook glasses

"There is a rush of new check parks that are coming out and at the center of all his madness is Scott Stein see that's editor at an amateur magician Scott. It's been a while since I've done magic been too busy. It has been a busy time. Why don't we start with apple since you've got your hands on repression on some of these out this morning let's start with the eighth Jan IPAD, which essentially it's the same device probably a little bit faster low smarter for three hundred, twenty, nine bucks. So what what is of? Note, the new Eighth Gen IPAD. Well, the one thing that's interesting is everyone's waiting seemingly for the IPAD air, which is the fancier looking wine that's coming in October, which apple does sometimes they stagger the releases and the good news is that the Eighth Gen pad is basically the twenty nineteen ipad air. The one that last year was the middle ipad had an eight twelve processor. Processor is in the eighth bad. Now, if you can keep track of all that so just means that you're getting a really good IPAD for pretty low price. Everything else about it is the same there's not much to save their. It uses the I Jin Apple ipad accessories. So uses the old pencil that sticks in the lightning port and it uses older keyboard cases not the keyboard such a little frustrating and has lightning instead of USB. But I mean. Whatever it's a very, very solid product just did my toes and using it But I think it really the fact that I was recommending the IPAD air a few months ago as the go-to one, the old one. Makes me really recommend this one now and we'll see how the IPAD air fancier one does. But that starts at six hundred dollars it's not cheap. So I think it'll be interesting to see whether that feels. Yeah. It was breakdown the IPAD air because that is you have it yet it doesn't come out until October. This is it runs on this eight, fourteen chip. I think there's some confusion about whether or not. This was actually faster than the IPAD pro is this. Pro. Ron Eight twelve Z and if you just looking from numbers, you're like well. Fourteen is better than twelve, right. So what are some context here? It's two digits higher. This sounds very promising, but then you've got a letter on the other one. It's totally confusing like apple has not really clarified it too much. Technically, it sounds like based on their their wording on this. The IPAD PRO is still the fastest ipad and the the thing about the X. chips is they had a lot more cores in graphics. So they're they're beefed up on the kind of the back end, and that could definitely make a difference The fourteen is a totally new chip like apple usually they put that on the next on and they most likely will. But now it's I on the IPAD air, and for all we know the air is GonNa come out at the same time the iphones we don't even know I mean, it's October released. So the IPAD air per-performance as a total unknown, it's supposed to be faster than the twelve, but that's not a surprise. It would not surprise me that some of the graphics video stuff might still be better on the. IPAD pro. But that one was not really a big performance bump this year over the twenty eighteen model. So Shrug so. Once price because you mentioned it's one hundred dollars more than last year's model. Does that change the calculation for that? That air like is this now is this too expensive six hundred dollars is not cheap and I think that it depends if you're thinking about getting an ipad pro and then you go oh, this one's a little less that sounds great. Sure it is but it is not cheap ipad scenes and you know really how much you GonNa Pylon to it the accessories start getting really expensive in any any of these things the more you start using them. You probably want the Pencil, which is a hundred dollars, hundred something dollars you probably WanNa keyboard case, the magic keyboard is. Basically. Three hundred dollars. You know it's it's you're pushing thousand dollars for the configuration with also with storage because the IPAD air starts with sixty four gigs of storage. Is. Borderline passable but it's not if you're going to be using this for any serious stuff and it's not upgradable. So and that's the same thing for the entry level IPAD three thousand nine is kind of a phantom price. That's a thirty two gig of storage. I would definitely say get the four, twenty, nine with one, twenty, eight. Because thirty two gigabytes you're going to run out of space like instantly. So I think that's just one of those things that gets you in the door and then suddenly you're paying more so I do think apple incrementally does price games all the time that these things I think that. It's going to seem nice for the air if you were considering getting a pro.

Apple Scott Stein Ron Eight Editor
What were expecting in the PS5 showcase

The 3:59

05:00 min | 2 weeks ago

What were expecting in the PS5 showcase

"So Sony Holding this PS five showcase on Wednesday a week after Microsoft held its own xbox event. So Oscar, what are you expecting? Are we finally going to get a price that is de definite? Expectation with this show, there is obviously the big questions. When's it coming out and the price? So yeah. Those are the two. Obviously there's GonNa be some info about the launch games but yes, with this presentation, this is going reveal all it's gonna lay everything down and skin say here's what it is and get ready. So what are you expecting pricewise? Right now, the expectation is the. to a, there's a digital version of the PS five with no OPCO drive and the sort of standard version with the optical drives so. For the standard version, which should have all the bills whistle. So to speak that were pretty much were all expecting a five hundred dollar price points for the digital version were looking more like four hundred the really the only difference between the two the optical drives so far that we know unless soda comes out and make some other changes. But consider there's not much difference. We don't expect with go below the three ninety, nine 'cause w really big cut. into the into some profits, got it, and so let's let's stack this up against Microsoft which announced its own pricing last week. What are the xbox series X. and series s cost? Well, that was a big surprise last week it was a it was leaked initially than my Marquesa finally confirmed that yes, there is GonNa be to xboxes the S previously codename De la Carte is to ninety nine. That was the big reveal edit is a very big reveal. The KONTOS haven't been to ninety nine in quite a few generations and for Gen Gaming. It's Really a low price and every the ideal the strategy behind it is what we're thinking. Yourself said, Hey, not going to undercut us again like they did with the playstation forward. So we're just GONNA go right in with this three hundred dollar council. It's going to have next Gen graphics but does have an optical drive. has half the hard drive space and a can't perform get render as good. A graphics as the standard version would just five hundred dollars. So that is what? Microsoft with the big enough to saying, Hey, we got you covered if you need save money or if you want all the bells and whistles, you go for the five hundred dollars and they're both coming out November. Right and that that money equation I mean it's more important ever right now, right we were in the middle pandemic when the middle of a recession with millions of people are jobs money is tight. All around is a lot of uncertainty. So I get I appreciate that Microsoft would factor that into the equation with the pricing that said You know there, there are some drawbacks of the series s I'm curious with with some of those pricing in place and I know we don't yet have Sony yet confirmed but. The equation for you on which console you should buy or if you should buy any of these consoles this holiday season. It always comes down to the Games. That's really what is important. But What's interesting is Marcus Like I said in the previous previous podcast. They are shooting to be this all encompassing services service package so They want to the big. You're GONNA push when starts September twenty seconds. So the big thing they're gonNA push is this xbox all access, which is for the s twenty, five dollars a month you get the ultimate game pass. which includes Xbox live in game pass and the you get that and the series s for twenty five dollars a month for two years, which is a pretty crazy deal because. The Game Password. That launches. Officially. A It's it's tech lean. Beta will let me it's kind of the. kind of kind of fish lead launched not really kinda sort of we up doing it but with game pastors but hundred hundred, fifty games. So right at the box, if you do this process with the Xbox L. Access, you're GONNA get the game you're going to get you're GonNa get all these Games get the console twenty five dollars a month. And that's it. So and then if you WANNA go to step up that's that's thirty five dollars a month. So it's not a big deal.

Microsoft Sony Oscar De La Carte Gen Gaming Kontos Beta
Xbox Series X and S Prices Revealed

Game Scoop!

06:09 min | 2 weeks ago

Xbox Series X and S Prices Revealed

"What do we? It has been for xbox. They finally announced the xbox series s we finally finally finally know the release date in price for both consoles. November tenth is on the next generation of xbox kicks off series x five hundred dollars series as three hundred dollars. A full two, hundred dollars cheaper digital only actually doesn't seem like it's that much less powerful It's basically. into. Four correct me if I'm wrong, it's not four K.. It's fourteen forty. The thrill leaning into the series s that's correct gets, but it can scale to four K. on your four K. TV and it plays media in four. K.. Wow, not video games. So are you surprised at the the two hundred dollar price difference between these two councils it makes the series s really really impressive and tempting I don't think it was something that that many sorta really hard core really engaged gamers like that super interested in this all the price in the specs I've seen a lot of people going to be like well, maybe. Yes. During the times, it's it's well suited to to kind of. Navigate for both kind of Gamers is a needs. If you want the upscale absolutely highest price edition, sure that that's an option. But at the same time, if you're on a little bit more of a budget seem super smart especially just enough in this landscape with twenty twenty it's kind of interesting route a because we know that you know most people don't have a four K. television they probably won't for A. While, and this will make you games look really good on your current television It's a next GEN system for thirty bucks I mean I think that's a really cool a really cool competitive move to make especially now that they have a subscription service to back it up and just a few other things you know xbox has going for it right now, what they don't have is a bunch of exclusive watch games. Held out this long, i. mean it makes sense obviously in the game of chicken but this does seem like one of its greatest selling points semi pun intended. So it's It's interesting that the sticking them less long and obviously due to a leak initially before they owned the news themselves but it's a like mixed. It's a huge differentiator and definitely makes the the deal between the two of them the most significant thing for Microsoft. The value proposition, right? Yeah. The five hundred dollar version two is still like that's kind of what we expected this for some reason it's is I think it's really smart, not the delay but that they kind of. are talking about they talked about the s price at almost the same time because like that's all people were talking about like we would be talking about the PS five versus the xbox price right now as soon as bs five comes out, but there's always gonna be this this three, hundred dollar one and their people don't have to get the of the full one. It's just it's just a really interesting move I can't think of a precedent for at. A financing option to right. So yeah. That's just like another consumer friendly option that is clearly the a big corner cornerstone point for their entire next-gen lineup. Yeah we should definitely talk about that. That's xbox all access which allows you to get in on next generation xbox for as little as twenty five dollars a month for twenty four months you that over two years and that also gets you. Game Pass ultimate to get more than one hundred access to more than one hundred games plus every mega first party game day. One you get. So it's actually it. It seems to be like a staggering deal especially if what if? Halo infinite had been there at lunch twenty, five dollars for twenty five dollars. You got the new xbox and Halo Infinite Right on day one, it's unbelievable. Clearly, there's GonNa be some of those games that you don't care about including every first party game and including EA Games. Now, like that's basically like a price cut like you can imagine that console is sixty dollars even cheaper than the PS five is because you don't have to pay sixty dollars to get a little infant. Yeah the price of that subscription. It's it's amazing. It's really really cool I. Want I want to circle back on really underscores something that Sam said about the xbox series S. The thing that impresses me so much that I think is so smart. That it really did focus in on resolution like if you have a four K. TV like we opie seriously consider the series. But if you don't, if you're either plugging that thing into a monitor or you still have to be like the fact that the series s is pretty compromise free and that really that extra power is only being used to push you know these extra forecast pixels and law resolutions. The Games will just as good. I think that was very very clever and very savvy and consumer-friendly Gosh I don't have enough positive things to say about like that being the point of differentiation between these two consoles and like like I still don't actually have a four K. TV every year every every Christmas. This is the year but then it's like well, then there's then there's other new tech and there's HCR government maybe I'll just wait one more year and so like I'm still chugging away ten eighteen. And You know. So it's like I'm one of US consumers like Sino. I've seen some people wondering like well. It's like. Well, you know we exist for a wide variety of reasons I think it's like seventy percent of people that have consoles don't have a four. K. TV. As you say often use a projector and people find that confounding. Confounding because it's not as great resolution like you can still get a four K. projector and I do and like you know I I have really good setup, but ultimately, it's totally lighting based. So if you're in a bright living room, kind of does not make for a great experience, but you can have a huge. Screen the biggest screen out of any. Huge. Fun. T to do most of your gaming on a projector. That's how you do pre pandemic yeah. Okay Now more committed to a TV. TV. Okay. So a five, hundred, x, three, hundred

K. Tv Ea Games United States Microsoft SAM Sino
As Skymiles Lose Relevance, Credit Card Companies Struggle to Spur Spending

Business Wars Daily

03:39 min | 2 weeks ago

As Skymiles Lose Relevance, Credit Card Companies Struggle to Spur Spending

"Remember vacations. Not, so long ago. The idea of getaway was enough to persuade customers to pledge loyalty to one credit card or another spend enough. They'd say in your credit card points could earn you a flight to a tropical beach, a posh hotel stay or an upgrade to a luxury class of travel. But Americans aren't hopping on planes very much these days and right now many countries won't even allow you as travelers to visit. So credit card companies are scrambling to come up with new relevant perks that will keep customers happy and justify any hefty annual fees. That might take some work while customers have been more satisfied with financial services like retail banking and mortgage lenders. Overall during the pandemic credit card satisfaction fell that's according to Jd power and associates a recent survey by consumer finance website value. Penguin found that more than forty percent of rewards. Cardholders surveyed have closed a credit card since the pandemic began another third considered it to prove their value to customers. Card issuers are making it easier to earn and redeem rewards at least temporarily, and they're focusing on the priorities that customers have now American Express executive scoured consumer data for insight into how membership rewards point redemption change during the pandemic customers began. Shopping for hairdryers and golf balls instead of hotels, airline tickets according to a report in the Wall Street Journal maybe because they had to do their own hair and we're looking for socially distant sports. One source speculated well in any event to adapt the card issuer created a range of new rewards in statement credits depending on the card you have you may get extra points for groceries, food delivery, and streaming wireless services. One card offers ten points per dollar spent at us, gas stations and restaurants. Another gives you credits were dell products at a free subscription to the meditation, APP, com both handy for adapting to the new work from home normal. Rival chase is the customers are more interested in cash back than travel rewards right now. So the bank is partnering with MasterCard to reissue its chase freedom card focus on cashback rewards starting. September. Fifteenth the new Chase Freedom Flex will offer a welcome bonus and has added three percent cashback allowances on pandemic friendly categories like meal delivery and drugstore purchases. Most other categories earn one percent cashback on its travel rewards card. The Sapphire reserve chases lowered its hefty five hundred, fifty dollar annual fee by one hundred dollars through the end of the year and Sapphire Reserve card holders can now use the cards. Annual three, hundred dollar credit to offset grocery and gas purchases. Instead of just on travel competitor AMEX was already slightly ahead of the curve in the wide variety of merchandise that can be redeemed for awards. points, and Amex rewards can also be used to pay for purchases on pay pal websites like Amazon best buy and Walmart all pandemic era staples but tweaks to programs may not be enough to keep customers using their plastic credit card debt recorded the steepest drop on record in the second quarter as consumers cut back on spending and you stimulus money to pay off debt the New York. Times reports. Shrinking Americans typical sky high debt seems to be a good thing but consumer spending fuels large part of the economy as economic uncertainty looms. It's unclear whether frugality is the new black or if the right rewards will coax consumers to pull out those platinum and Sapphire Blue Cards. Once. Again.

Amex Sapphire Blue Cards Sapphire Reserve Wall Street Journal Dell American Express JD Penguin Executive New York Walmart Amazon
Ring Pro and Echo Show 5 on Sale

Voice in Canada

01:52 min | 2 weeks ago

Ring Pro and Echo Show 5 on Sale

"Hey, there Terry Fisher here and today I. WanNa Tell You about another Labor Day sale that is on at least at the time of this recording. So I can't as usual guarantee how long this sale will be on for but I wanNA tell you about it and it is this the ring pro doorbell. You've been looking to get a ring pro, which is the top of the line doorbell that Amazon makes, and of course, it works with Lexi then you may want to jump on this deal the. Price for this particular doorbell is three hundred dollars case it's not cheap for sure. It is now on sale seventy dollars off or twenty, three percent off for two thirty. Now, here's the kicker you can also by clicking on the appropriate on the page, get them to throw in an echo show five for free. So now for two hundred and thirty dollars, you're getting the the ring pro video doorbell and echo show a five, and so normally the two of those together or just under four hundred dollars and you can get those for two thirty. So that's one hundred and sixty nine dollars offer forty, two percent off. So if you're looking for an echo show five and a ring pro doorbell. then. This may be the deal that you want to jump on just a little bit about the ring pro so it's got. High definition display. So it's compatible with ten eighty P camera. That's where it's. It's hard wired to keep that in mind if you if you're going to store it in your door. You need to have the power supply coming from the home itself hardwired. So it doesn't work on batteries. You can choose the face plate, which is kind of interesting so you can get it to match. Your home finishings, which is pretty cool and It's got all the advanced. detection features advanced motion detection and so

Terry Fisher Lexi Amazon
John Foley on Peloton's Growth in the Pandemic

WSJ Tech News Briefing

07:04 min | 3 weeks ago

John Foley on Peloton's Growth in the Pandemic

"John. Thanks for joining me today. I'm excited to be here. Thanks John. Appreciate it last time I saw was in the offices this was right before. was declared and we all went home, and so that's been several months but think it's fair to say that we could tell things were getting serious about cove nineteen at that point but couldn't have imagined what was going to happen over the course of the next month and full blown pandemic. In the way, it would hit your business in our business in every business in between. That's right. Twenty, twenty twenty what a what a wild year so far so far. One of the consequences for Peleton was having Jaeger critical new product launch and I really WanNa get into that and talk in depth about what's coming. But let's look backward a little bit not inconsequential at all is telling me you know what's gone on in these nearly last six months what they've been like running a business people lobby spent hunkering down in their homes and gyms have been closed and you offer these livestream workouts right in the home with the device, and early in the pandemic in fact, you guys were reported in the ninety four percent jump in your over your subs. I know there's been hiccups and it'll you've had a hard time immediately filling orders for instance, but it has has the pandemic Ben. Good. For Peleton. Well, it's hard to say good in the same sense with pandemic. At all but to your point, John It's definitely been wind in our sails as far as our bike sales and tread sales, and we've just been frankly happy to be there for our members are existing numbers in our new members who are buying bikes and threads and still getting them delivered, and we were also pretty excited to be able to innovate and bring the the live studio content from not from our studios anymore of for the for a couple of months but from the homes of our instructors. we continue our live format and connection with our with community through the crisis. So it was to your point a lot lots to do was a wild time for us like like everybody, but your business has been has been strong for sure also a little bit. You've got extensive background in ECOMMERCE and you know a number of different technology platforms and then legacy business like Barnes and noble once upon a time where the head of ECOMMERCE. Obviously everybody going into the pandemic lot of uncertainty in a lot of unknowns. And probably a moment of what's this going to do to our fledgling business? But when did it go from that to we have this enormous opportunity. That we're going to have to walk through and we're going to have to do it quickly and as you know as as as as successfully as we can. It happened very quickly John. I mean I I think it was Friday the thirteenth ironically in March when. Found of everyone stopped going to work and working from home and it became obvious and evident that this pandemic was upon us and it was going to be meaningful. Within a week or two of that, we saw a massive surge in our sales and we knew that this was a moment that people are going to Peleton in their home, and we we did see it as an opportunity to be totally opportunistic. We right away started giving away our digital content for ninety day, free trial which wasn't the best business because we still had to pay our music partners but we didn't care. We wanted to do our part for our communities and to help people stay saying in the pandemic so We were at one point I mean we're obviously in parallel scaling our supply chain or manufacturing and trying to make more bikes and tries as fast as possible. But we also have the pure software and digital content platforms across any one of your devices whether it's your phone, your IOS or android phone, or any of your television screens through Apple, TV android, TV fire, TV Roku, all these other platforms that you can engage with our content and do strengthen yoga and all the different stuff. So in that world, it wasn't dependent on our honor scaling supply chain. So we decided to give that ninety days away for free to new members, and we saw a massive explosion in that as well. So You know you alluded to this already and and it's it's a big topic of conversation and focus for investors is this growth curve in these growth big growth that you're planning? Because the addressable market for exercise gear is so large and the shifting dynamics of not being able to go you know at your whim to the local gym and use theirs is fueling even more enthusiasm but also pressure, and then you've got on top of this, you'll start about this virtual community where people can used gear but they can also use the community with people that they're getting to know or or somebody recognizable in the instructor. So you're about to test whether there's an appetite for a wider range. Of Palestine products, I'd like you to talk about what's coming out and how it's different than what the company already offers. You have a twenty two hundred dollar bike right now in a forty, three, hundred dollar treadmill, which are the main staples from what we know if we're going to A. Showroom on the website. So so what's coming in what's different about what you already offer? Yes. So we have two main lines of business as you know John and it's a stationary bike platform and then ate a treadmill platform. And the current bike is who have been called the best cardio machine on the planet the original Peleton bike, and what we're announcing is our Peleton plus and it's a new platform with a bigger screen that swivels now and allows from that bike platform our members to engage in all of our content whether it's the yoga or the strength or the boot camp or all of the different styles of content that we offer. They can now engage in that in a much more convenient easy to consume experience on the Peleton bike plus platform. In parallel, we've been working on a new treadmill platform, our original peleton tread, plus is the forty, five, hundred dollar but product that is kind of the Rolls Royce of the category because it has the Slat belt technology and it's one of the best running surfaces in the world if not the best running surface. And what we're bringing to market this month is a lower price tread that in a really open up the market and make it much more affordable for people to get a Peleton tread and take our boot camp classes and are running classes from home and really do full body workouts. Now whether it's on the less expensive treadmill that has a belt technology or with our Peleton bike plus which now allows you to consume. All of our content and not just the great cardio, but also the strength and the full body content on that. So the summary John is that we now have a portfolio on the bike side and on the trade side, a bike and a bike plus and a tread and tread plus. So depending on how much you're looking to spend and what you're looking to do we have now four options for you to engage pelivan platforms.

John It Peleton John. Barnes Apple Palestine A. Showroom Instructor Jaeger
Civil Rights Activist, Patricia Stephens Due

Encyclopedia Womannica

04:19 min | 3 weeks ago

Civil Rights Activist, Patricia Stephens Due

"Hello from Wonder Media Network I'm Jenny Kaplan, and this is encyclopedia will Manica. All month we're talking about activists. Women who stood up against injustice and four a better world. Today we're talking about an American civil rights activist whose work began as a student and extended throughout her life and beyond. She was one of the leaders of the sit in and Jalen movements continuing to fight for a more just society even when faced with serious harm. According to The New York Times her FBI file was over four hundred pages long. Let's talk about Patricia Stevens do. Patricia Gloria Stevens was born on December ninth nineteen, thirty, nine fifteen months after her sister Priscilla who would go on to be partner in many organizing efforts. Patricia was the second of three kids born to Lottie Mae Powell Stevens, and Horace Walter Stevens. The Stevens family lived in Belgrade Florida for most Patricia Youth. By the time she was thirteen years old Patricia was very aware of the discrimination she faced for being black and was ready to protest. She and her sister refused to go to the designated colored window at their local dairy queen. Instead, they stood in line for the window marked whites only. In one, thousand, nine, hundred, Eighty, seven Patricia started school at Florida Am University. Two years later in Nineteen fifty-nine Patricia and Priscila attended a workshop put on by the Congress of racial equality or core on nonviolent civil disobedience. Patricia then started a local chapter of the organization in order to continue the work, she tried to tackle it just thirteen years old integration. The following year on February. Twentieth Nineteen Sixty Patricia, her sister, and some other students sat down at a whites only lunch counter at a Woolworth Tallahassee and refused to get up until they were served. Nineteen days earlier, four guys sat down at a similar lunch counter in Greensboro North Carolina officially kicking off. Since movement across the South Patricia and ten of her peers were arrested rather than paying three hundred dollar Fine Patricia and. Out Forty nine days in jail. Their determination to serve their time as a statement became a norm when others were arrested and charged on fairly. Patricia leadership and courage caught the attention of people around the country support of the cause including Jackie Robinson Eleanor Roosevelt Harry Belafonte, and James. Baldwin. Dr Martin. Luther King. Junior. Sent the sisters telegram that said. Going to jail for a righteous cause as a badge of honor and a symbol of dignity. After she was finally released, Patricia continued the fight to change her city and country. One of her fellow activists was a man named John D do junior. He was law school at Florida Am University. The two got married in nineteen, sixty three and would go on to have three children together for their honeymoon Patricia and John went to the march on Washington and heard Dr King's I have a dream speech. The following year in one, thousand, nine, hundred, eighty, four, Patricia took on a new role in corps. She served as field secretary for a voter education and Registration Project in North Florida under her leadership. program. More. Voters than any other regional program in the south. Patricia also worked to improve the lives of workers, the poor and other underserved populations in the US. But her activism took a physical toll on her. After being hit in the face by a can of tear gas, Patricia is were injured and she was forced to wear dark glasses for the rest of her life in nineteen sixty, seven, ten years after she enrolled. Patricia graduated from Florida Am. University it took her all of a decade to get her degree because she spent periods of time traveling around the US to rally energy behind the civil rights movement. She was also suspended multiple times by the

Patricia Patricia Gloria Stevens South Patricia Patricia Youth Florida Am University Florida Lottie Mae Powell Stevens Horace Walter Stevens Luther King Harry Belafonte Stevens Jalen Wonder Media Network Jenny Kaplan United States FBI Woolworth Greensboro John D
Maryland trying to crack down on ransomware

The CyberWire

05:24 min | 3 weeks ago

Maryland trying to crack down on ransomware

"Story comes from Delmarva now, which is a publication that covers the Maryland Delaware Virginia area, and this is about the legislators who are introducing a ransomware bill that's going to tighten down the rules when it comes to ransomware UH, some penalties just sort of try to bring this into focus. This was written by Wesley Brown from Capitol News. Service. So we've got some. Maryland legislators, Senator Susan Lee at the Democrat from Montgomery, county sponsored the bill and it sounds to me like what they're doing here is just trying to to put the word out to criminals that even just possession of ransomware would be a crime in the state of Maryland. So this would be a radical change in the law around ransomware and Maryland the way the current statute works is only illegal actually used ransomware. This statute if enacted would criminalize the simple possession of ransomware in less the person possessed it for research purposes. So if you're in an academic setting and you were trying to study different types of ransomware that would not be violation of the statute. But as we do in other areas, the law, oftentimes, we criminalize the possession of something because the threat of the person will use. Whatever that thing is is particularly dangerous. That's why we prohibit in many instances possession of certain types of firearms even if a person does not use the firearm so we're criminalizing somebody for simply possessing what can be very dangerous in Maryland has experienced obviously in dealing with dangerous ransomware right most famously Baltimore City was the victim of a ransomware attack back in May of last year crippled city systems for several months took me awhile to get my water bills. Is Not Fun to get a bill three months later for a per three, hundred dollars is obviously this is a very serious problem and the key with this piece of legislation and I. Think this is something that Senator Lee would agree to is it's a deterrent you want to make it as undesirable as possible for people who are even considering possessing ransomware to realize that their actions would violate this law and they would be subject to pretty significant penalties. I. Think the statute calls for something like a ten thousand dollar fine or five years in prison. As a maximum penalty So it's a misdemeanor, but it's a it's a serious misdemeanor. Yeah. So we are creating this deterrent effect a couple of things noteworthy here one just a shout to one of your colleagues and certainly friend of the the cyber wire, Marcus Rajshekar he testified on this bill he sure did yet. He is a friend of the show also a fellow employees at the Center for Health and Homeland Security Marcus testified on this last year the bill was not enacted in the two thousand nineteen legislative session is all marcus fall just giving marcus. Our back here in two thousand twenty, they have made some changes to the bill to make it more palatable and from what I heard Marcus. The hearing went very well, and there seems to be broad increasing support for this type of legislation largely because. Not, only Baltimore City, but also the smaller city of Salisbury Maryland also suffered a ransomware attack. So there's just more of an awareness for how much of a dangerous to our localities, and this is a proactive measure for there to be a deterrent nothing worth noting on it. Now, if you were going to mention this is that a couple of other states and this is what Marcus mentioned this testimony Michigan and Wyoming have experimented with this approach the approaches. So new that we don't actually have any quantitative research on whether this is an effective deterrent to cyberattacks that remains to be seen. We'll let me play devil's advocate on that a Maryland. Law. Would affect citizens of Maryland. Right do we think that the people who attacked the city of Baltimore were Marylanders I don't probably not what I'm getting at is how much of this ransomware is even coming from within the United States so I agree with your devil's advocate take That's what lawyers do play devil's advocate. A couple of things though that sort of principle is applicable to a lot of different state laws. Okay. You could say white passed a state law in anything because somebody from Virginia could come in and you know do this illegal behavior and then would go beyond our jurisdiction. We we wouldn't be able to catch them. Okay. So it's still a deterrent factor just because the state of Maryland is making a statement, this type of behavior. Is Criminal in nature So sometimes I just simply stating. that. The possession of something is criminal. itself acts as a deterrent that ne'er do well who's thinking about their bank account is almost empty and weighing their options and saying you know I have some computer skills maybe all just spray out ransomware here they may see this and think twice absolutely. Yeah I mean it it's the deterrent effect I think is something that we use for all criminal statutes. In instances where it's the perpetrators are beyond our jurisdiction I think the state of Maryland is just doing what it's what it can in the absence of federal law that criminalizes ransomware and the absence of some sort of you know international law. We can only control what happens within our own borders, and so this is this is a start

Maryland Marcus Rajshekar Baltimore City Maryland Delaware Virginia Senator Susan Lee Salisbury Maryland Delmarva Wesley Brown Center For Health And Homeland United States Montgomery Virginia Michigan Wyoming White
Executive order confusion and stimulus package progress

Clark Howard Show

06:11 min | Last month

Executive order confusion and stimulus package progress

"So we're in kind of a never never land. On, Corona virus relief is the six hundred dollar. Additional. Unemployment insurance expired in July. And A lot of people out of work are not in a position to pay their normal expenses and so the economy has hit a slow down again. It's why for the first time in weeks, the Republicans and the Democrats are trying to reach a new stimulus package but and I think they will reach one don't know the size what it will contain but I think it's likely that they are going to cut a deal just because neither party knows the consequences for them in November if they don't make a deal. But in the meantime. The president issued an executive order for a few weeks of time of additional unemployment cutting six hundred to three hundred. And money that would be paid through the month of September. Well so far forty of the fifty states as just a few hours ago we're up to forty have said that they want to participate, but only six have. The things in place with their computer systems and their processes in order to be able to pay that money? So what will typically happen for people who've been unemployed during the period covered by the president's executive order? Is that people who were eligible? But haven't received the money will likely receive it retroactively. Once. Your state is up and running to pay the additional three hundred dollars, and this is just a band aid. On a problem of extremely high unemployment in the United States. And we're at somewhere around ten and a half percent stated unemployment the real number somewhere more like sixteen percent. So that means we've got many tens of millions of Americans. That are really really hurting and this is A. Hard. Hard thing for people. There is also a list. Available as to win states expect. To maybe start paying the unemployment but I've gone through the list. And I don't even WanNa start stating from it because it's so wishy washy I think. We're GONNA have to wait for people who are unemployed. To be notified that it is available in your state. The other thing that is underway today is employers will have an option. Of not collecting from you money temporarily for Social Security and Medicare. To try to fatten up check just a little bit but it's only. Like a temporary loan to you. And unless there was a decision by Congress to take funding away from social, security and Medicare, this money will have to be made up. By you and me if your employer permits this. And the catch up would start after the first of the year. So the idea of having a payroll tax holiday is to try to give people a little more money who are working a little more money to spend. But it's only a temporary thing. That rebounds with the money needing to be made up because social, security and Medicare both very short of money. And if Congress did decide in its wisdom. To. Not have this money have to be paid back September to December. That's their. That's a decision. They can make the problem with it is it makes the deficits of social security and Medicare more severe and forwards the date when they will be short on money to pay. Recipients of social security and recipients of Medicare and typically the Congress doesn't want to mess with people social security benefits or their medicare benefits. So I imagine that this is not likely to become any kind of long term thing where we won't pay undefined Social Security and Medicare. And I want to explain that it's GonNa be confusing because employers. Don't have to allow this. Employers can continue to collect the social security and Medicare tax. Out of your paycheck and forward it onto the government is normal or they choose to not collect it, but it doesn't eliminate the obligation for that money. So this is a pretty messy thing and. I'm hoping. That the congress will come up with the deal that everybody. Can Not, necessarily be happy with, but everybody can agree to. and. We move away from these this hodgepodge ad hoc kind of things because I'm not a fan. You can probably tell by what I've said I'm not a fan. Of the payroll tax. Relief on is not really relief. It's just a delay on social security and Medicare because I want anybody who is a recipient Of Social Security or Medicare to worry that, they're not going to get their money and we've got to collect the money in order to pay to recipients of both programs.

Medicare Congress United States President Trump Executive
Speak now, or forever hold your peace

Dear Sugars

04:57 min | Last month

Speak now, or forever hold your peace

"Dear sugars my boyfriend and I had our first baby last month, and now I'm fortunate enough to be a stay at home mom to are beautiful seven week old boy since getting pregnant we've discussed getting married and we decided we should get engaged a few days ago I came across a ring sized box. My boyfriend was obviously planning on giving me. It had the name of a company on it and I immediately googled it out of curiosity. I was taken aback when I found this company sells cubic zirconiums, rings that cost about twenty dollars. So I did something that I now regret I peeked inside the box. It was an engagement and wedding ring set that I saw on the website cost twenty dollars and ninety nine cents. I'm both upset and baffled by this because my boyfriend is not one to be cheap when it comes to jewelry. I showed him a ring that I wanted, which costs around three hundred dollars I thought that was fairly inexpensive for an engagement ring. So, here's my question. Do I say something to him about it when he gives it to me? I'm truly hurt that he would be so cheap when it comes to such an important moment. Then again I don't want to be shallow and I'm incredibly grateful for our life together and I'm lucky to have such a great partner. The ring itself is fine and actually pretty, but it's not really what I wanted signed speak now or forever hold my peace. Fired up about this ticket thing. Okay and I got a feeling we're headed towards the trouble here with her answers I'm just a the the the boom will be lowered by all chair. Okay. I'll Cherono dum boom we'll be lowered by a remarkably useful looking Cheryl. Okay. So this is a little bit complicated because we don't know your economic circumstances it sounds to me speak now like you are a stay at home mom. Which means there's one income you decide to make this long good promise. But when you say that your boyfriend by nature your soon to be fiancee is not cheap about jewelry I. Assume that means that character logically, he understands that it's important and this is an important moment. So I am genuinely baffled along with you as to why he would give you a twenty dollar ring rather than three hundred dollar ring which sounds. For many people like well for a big occasion, that's a very reasonable amount of money to spend on an engagement ring but I don't know your circumstances and I don't know your your fiance's if he's your fiance by this I don't know his anxieties about caring for this new baby. What is clear as he isn't hiding it from you, he isn't trying to pass off this cubic zirconiums as a nd he's quite open. About it I think you have to bring it up with him because you're GonNa have that ring on your finger hopefully until death do you part? So it feels like to fundamental a nagging doubt to ignore. But I I'm of the mind just because of my orientation on things that it's about the commitment that he's making to you and how loving and supportive and connected he is to you not about a piece of jewelry. Lower the boom speak now or forever hold your peace. You're not being cheap or shallow by telling him that this that he made a mistake. I understand everything Steve is saying about your economic realities it sounds to me I mean, first of all, she knows their realities and she isn't saying, well, I told him that I loved the three hundred dollar ring. But I knew that we really couldn't afford it because times are tough. Okay. She didn't say that to us. She said that by way of saying this. would be the reasonable ring for him to get for her for such an occasion. This is as you note, a ring that she's going to be wearing for the rest of her life, and so you know what? I'm sad for you about is, of course, we want our engagements to be fairytale and we want them to line up with the joy in the happiness and. You know of the relationships we have with our partners but sometimes in the course of those big moments, even people who are glorious and lovely inconsiderate and generous and wonderful, and all these other ways botched the job and I think that this is what happened with your boyfriend speak now and I don't think that he meant to hurt your feelings or make you feel. Like you weren't valuable to him. But I do think that he was wrong to give you a ring, the costs less than twenty one dollars I do think that this was a major fumble that you will laugh about in years to come but only if you can fix it okay, I would sit down and say I was so touched that you gave me this ring. But this ring is not what I had in mind and it's really important to me that I looked down at my hand for all the rest of my life and feel nothing but love and joy and gratitude for the bond that we have and this ring makes me feel bad and yes, it is because it only costs twenty dollars ninety nine cents you

Cheryl Steve Partner
A Confusing Back-To-School Season May Lead To Blockbuster Spending

NPR's Business Story of the Day

03:21 min | Last month

A Confusing Back-To-School Season May Lead To Blockbuster Spending

"Back to school shopping is different this year what's the point of a new backpack when the walk to school is shuffled from the kitchen table to a desk in the bedroom? Though retailers are in a tailspin from the pandemic shutdowns. This year's uncertainty could bring them some good news. NPR's Alina Seljuk reports normally Lydia Rodriguez would have spent hundreds of dollars to get her daughter ready for the first day of class that's on her school uniform alone, and this year she's wearing top for zoom meetings. So she's just wearing last year's at barely fit but I don't feel like investing in other three hundred dollars on. Uniforms until she actually physically starts her daughter like many other students around the country started sixth grade without actually leaving their home in Tampa. So Rodriguez her spending felt really minimum but it's not like she could skip it altogether I did buy school supplies. You know like the notebooks and the folders, the pens and pencils binders, and all that, and here's a curious thing. The retail world is actually hoping for strong back to school spending the. Retail Trade Group, even predict record highs potentially topping a hundred billion dollars for school and college. That's because parents like Rodriguez might end up having to stock up for multiple scenarios. In case students learn person virtually were a bit of both which also means they're buying more big ticket items or seeing more families purchasing Electronics Katherine Cullen Senior Director The national retail. Federation. They've been tracking big changes to what's in demand backpacks in new shoes not. So much instead enter comfy home clothes and cleaning supplies and especially pricey electronics. This year's big sellers, laptops, tablets speakers, but they're also buying things that you might not expect maxium desks, lamps, headphones. So a lot of new items that were traditionally on the school shopping list, and so retail marketers had to get creative to keep people shopping in a year of mass layoffs and furloughs Amazon Walmart old navy embraced the oddity and disarray pandemic schooling. You've got your back school year whatever that. macy's did a montage of kids at home learning to build a robot or tend to garden even ace hardware got in on the pitch now that students have to bring masks and disinfectants to school why not stuck up for back to school at a home improvement store the biggest priority for this year was setting up their whole workspace Geisha. Washington did much of her spending back in the spring as both she and her daughter adjusted to working from their home in Chicago Washington set up her high school junior with A. Mounted Computer Monitor and a good sound system later installing new task lighting which morphed into her wanting task lighting plus t light patio hanging from the ceiling random led lighting. So she's also taken this opportunity to you know redecorate both Washington Androgynous Gez. Would have to buy more supplies if or when their children actually return to the classroom by one estimate families like there's still have about sixty percent of their back to school shopping left to do the question is when or how much of it will actually happen

Lydia Rodriguez Washington Retail Trade Group Alina Seljuk Katherine Cullen Tampa NPR Walmart Senior Director
The Looming Eviction Crisis

The Indicator from Planet Money

08:41 min | Last month

The Looming Eviction Crisis

"Kathy Seeker is fifty five. She lives in an apartment that she rents in Camden South Carolina with her husband before the coronavirus pandemic, Cathy was working multiple jobs. She ran the cafe at a bookstore and she also worked as a server at a restaurant, but the pandemic would shut down both of those workplaces and in March Kathy started a new job at an assisted living facility working with dementia patients she likes to work, but it only pays twelve dollars an hour and overtime pay is not available to her so when I took the new job for my career. It then sent our rent back. Months just months, I don't make enough money to support myself. My husband had a stroke at forty four years ago so he's not able to work. By August Kathy had fallen thousands of dollars behind on her rent and twelve dollars an hour. She just was not making enough money to both pay her full rent and cover her other bills like eletricity and car insurance and her husband's medications and my landlord was wonderful to so patient with us really was wonderful but. He has to make money you know and I had reconciled in my head like how I was going to get rid of our stuff how we're gonNA live in the car. And that was just going to be okay. Kennedy says there was some dark moments then when the stress from the possibility of being addicted was just overwhelming to be in that desperate situation. To be in that desperate situation and really feel like you've done everything you possibly can you know I'm a Frugal Person I home schooled my children for years I know how to. Pinch a good penny but I there was no panic. This is indicated for planet money. I'm Cardiff Garcia and I'm Stacey Smith Today on the show evictions millions possibly tens of millions of renters throughout the US could soon face a similar situation to the one that Kathy was facing the loss of jobs and income. So many of these renters has left the country with a possible evictions crisis and that crisis could have catastrophic consequences both for the renter's themselves and also for the whole economy. This message comes from NPR. Sponsor Microsoft the world has changed and Microsoft teams is there to help us stay connected teams is the safe and secure way to chat meet call and collaborate to learn more visit Microsoft dot com slash teams. Support for this podcast and the following message come from Google Google has a variety of free tools and resources to help small businesses adapt from trainings to on-demand classes through grow with Google explore Google's free tools for small businesses at Google Dot, com slash small business. The rent for the apartment the Kathy Kirchner shares with her husband in Camden South Carolina is six, hundred, ninety, five dollars a month, and she cannot afford that on her wages from the assisted living facility where she now works it's really difficult. My paycheck today was five, hundred, ninety, five dollars and and that's for two weeks even before the covert pandemic roughly one out of every four renting households in the US. was already paying more than half of their monthly income in rent. So. Were already paying their rent paycheck to paycheck. But when the pandemic started the federal government along with state and local governments did respond they responded with policies to help avoid an immediate surge fictions for a lot of these renters congress and the president expanded unemployment benefits in the cares act passed in late March, which helped people who lost their jobs, keep paying their bills, things like rent plus a lot of state and local governments with these moratoriums in place that would stop landlords from a visiting tenants. The federal government added its own moratorium on fictions for a lot of housing complexes that it subsidizes but the expanded unemployment benefits expired at the end of July in the moratoriums on. In at least twenty, four of the states that had them had also expired by the end of July. Including the moratorium in Kathy's own State of South Carolina. The Federal Moratorium has also expired and all of these reasons why so many housing experts are now warning that innovations crisis could start soon and the people who are most vulnerable to innovations. Crisis are low income renters according to the Urban Institute. Low income renters are more likely to have held jobs that have been lost in the Cova pandemic especially jobs in food. Services and the retail sector. In fact, two of the jobs that Kathy Secrets your work before the pandemic in a restaurant and in a bookstore were in those two sectors. The new job she took at the assisted living facility did not pay her nearly enough to offset the income she lost, but the economy is still in rough shape. So finding the kind of works used to do is just still really hard this hard when you're willing to work three four jobs like I'm not afraid to work, but you can't find work. A lot of Americans can't find work right now and many are struggling to pay their rent according to the Census Bureau roughly one out of five renters could not pay their rent on time in July and August could be worse nearly one out of three renters said the either had no confidence only slight confidence that they could pay their August rent for months. Kathy says that she herself could only pay partial rent her landlord kept growing tab for her running. into thousands of dollars and I would ask him every couple of months to show us what where we work because I was trying to make payments I would I would keep making payments, but it would be like three hundred dollars for the month. Well, that's less than half of what I, what I them, even though I have a job that's a you know a decent job, but it was it was a challenge. You know it's very stressful to live under that. Environment, if innovations crisis does become a reality communities of color would also be disproportionately hurt partly because a much higher share of black and Latino. Households are renters instead of homeowners there about twice as likely as white households to rent, and before the pandemic, they were already much more likely to face eviction than white households. If there is any good news here, it's just evictions. Crisis is not actually started yet. The warning signs are flashing red but so far evictions. Are actually quite low in a lot of major cities that of course does not mean that everything is fine. Remember that the expanded unemployment benefits and the state moratoriums on fictions only just expired a few weeks ago and it could take a bit of time before the struggles that people are having in paying their rent translate into actual evictions and it also means of course that there is still time for federal state and local policymakers to act again and possibly avert. Meanwhile. In at least some parts of the country hundreds of rental systems, programs have been directing their money to help prevent evictions and a lot of them have received money from the federal government for this very purpose and one of those organizations ended up helping Kathy. In fact, it was actually her landlord who put her in touch with the local program from the United Way that Helps Fight Homelessness this program called New Day Kathy applied and got a grant from new day. She was approved to receive about four thousand dollars and that money cleared all the background Kathy owed her landlord a felt like I. Finally had a chance to get my head. Slightly above water so that I could breathe and it would give me that time that I needed. To get my life together again, and by the first of September, we'll be able to put the rest of my rent down like I'll be able to breathe. Of course, a new start does not mean everything will continue to be fine in the future Kathy's hopeful that as the economy recovers, she'll be able to find other jobs to supplement her income but that partly also depends on whether it becomes safe to work those jobs while there is still a pandemic, there is no certainty about this or about whether the economy will keep recovering. So in the meantime, Kathy has a message for policymakers. Anything can turn on a dime and there are people who are really hard working. who really don't want take charity but don't have a choice. And if it is something that can help people even. Anybody. I would absolutely begged them to consider to continue these programs. We need them people that want to make their rent they want. To, pay their bills. They don't. WanNa take charity they and they're working as hard as they can. You know, and then when you add in the stress of. VID. And going out. Even, if you don't have to work environment like, I do just to go out, it's it's so mentally exhausting. The the mental anguish of not being able to pay your bills is overwhelming. Overwhelming And I don't. I don't. Know How funding works but I do know that if there had not been this funding. I'd, be in my car.

Kathy Federal Government Kathy Seeker Kathy Kirchner Kathy Secrets South Carolina Google Microsoft Camden South Carolina NPR Cathy Census Bureau Urban Institute Camden Kennedy United States Cova Congress US.
Senate Republicans preparing $500B virus relief proposal

AP News Radio

00:41 sec | Last month

Senate Republicans preparing $500B virus relief proposal

"I might cross the reporting Senate Republicans are working on their own virus relief plan with no agreement yet on a larger corona virus relief bill Senate Republicans are putting together a five hundred billion dollar proposal according to senator Roy blunt of Missouri the GOP plan would provide three hundred dollars in weekly federal payments for unemployed people over and above state payments that would be half of what was provided in a pandemic relief bill approved earlier this year that expired at the end of July Senate GOP aides say the plan would also include ten billion dollars for the postal service sixteen billion dollars for virus testing and a twenty nine billion dollars for developing vaccines might cross yet Washington

Senator Roy Blunt Missouri Washington Senate GOP
"three hundred dollars" Discussed on KLBJ 590AM

KLBJ 590AM

02:27 min | 1 year ago

"three hundred dollars" Discussed on KLBJ 590AM

"See you dot EDU Jeff warden women I don't know what would be the worst nightmare. ed pretending to know plumbing unknown Jeff Brittany no plumbing can't wait Texas farmers group calls for a special thank. them from going unregulated ed plummets plumbing I get a truck and everything they need to fix it got old ma'am. right but here's the catch got a note from about it yeah like somebody might take a shot and look you up and say what the heck are higher it limits blooming right now I'm in a bad one job. Google review if you're finished just like you'll be with me and we got a problem or get your to get a problem here let me let me do let me get out of the sink here let me figure this out for you I know I can't I can't fix anything and I never want to and I never will I have I'm clueless about Sameer act I know how to jiggle the switch it on and take that everything off and make sure the thing is booked on there the commode okay stopped up I. a charge for that three hundred dollars dollars eight hundred dollars the guy that wrote readers don't is not only about that so the state of Texas is. the debate about whether or not to be regulated and I don't know how I feel about this because it's let's be honest it's hard to get over that hump if you're the average citizen I I if you charge what you can let me say this departure you charge what you can't you charge what the market will bear but I have to admit I think everyone of us feels kind of the same when you walk out after five minutes I'm always wondering is that a good deal or not well he's he or she is such an expert but I just got a pay I've got a pay I think the proof as they say is in the pudding if your problem be it a clogged drain be it be at a clogged toilet whatever if it's fixed it's fixed but I am amazed that they're gonna let this go through and not have any type of unregulated plumbers. seven on newsradio kale BJ five ninety AM and ninety nine point seven FM like us on Facebook just search for news radio kale BJ. the social media still fighting over the transcripts. Merriam Webster getting.

kale BJ Texas Jeff warden Jeff Brittany Merriam Webster Google Facebook eight hundred dollars three hundred dollars five minutes
"three hundred dollars" Discussed on KLBJ 590AM

KLBJ 590AM

02:26 min | 1 year ago

"three hundred dollars" Discussed on KLBJ 590AM

"That are homeless on news radio K. O. B. J. Jeff warden women I don't know what would be the worst nightmare ed pretending to know plumbing unknown Jeff Brittany no plumbing can't wait Texas farmers group calls for a special thank them from going unregulated ed Clements plumbing I get a truck and everything maybe fix it got all that ma'am right but here's the catch got a note from about it yeah like somebody might take a shot and look you up and say what the heck are higher it limits blooming right now I'm in a bad one job Google review your fitness like you'll be with me and we got a problem or get your to get a problem here let me let me do let me get out of the sink here let me figure this out for you I know I can't I can't fix anything and I never want to and I never will I have I'm clueless about Sameer act I know how to jiggle the switch it on and take that everything off and make sure the thing is booked on there the commode okay stopped up I a charge for that three hundred dollars dollars eight hundred dollars the guy that wrote readers don't is not only about that so the state of Texas is the debate about whether or not to be regulated and I don't know how I feel about this because it's let's be honest it's hard to get over that hump if you're the average citizen I I if you charge what you can let me say this departure you charge what you can't you charge what the market will bear but I have to admit I think everyone of us feels kind of the same when you walk out after five minutes I'm always wondering is that a good deal or not well he's he or she is such an expert but I just gotta pay I've got a pay I think the proof as they say is in the pudding if your problem be it a clogged drain be it be at a clogged toilet whatever if it's fixed it's fixed but I am amazed that they're gonna let this go through and not have any type of unregulated plumbers seven on newsradio kale BJ five ninety AM and ninety nine point seven FM the tide in done show Rebecca in north Austin what's on your mind I just wanted you to know that make the most amazing the less chance kale salad don't call here line in this show sister I would bring it to your office and by golly you would be.

Texas kale BJ north Austin K. O. B. J. Jeff warden Jeff Brittany ed Clements Google Rebecca eight hundred dollars three hundred dollars five minutes
"three hundred dollars" Discussed on KLBJ 590AM

KLBJ 590AM

01:54 min | 1 year ago

"three hundred dollars" Discussed on KLBJ 590AM

"Pretending to know plumbing unknown Jeff Brittany no plumbing can't wait Texas farmers group calls for a special thank them from going unregulated ed Clements plumbing I get a truck and everything maybe fix it got old ma'am right but here's the catch got a note from about it yeah like somebody might take a shot and look you up and say what the heck are higher limits blooming right now I'm in a bad one job Google review your fitness like you'll be with me and we got a problem or get your to get a problem here let me let me do let me get out of the state here let me figure this out for you I know I can't I can't fix anything and I never want to and I never will I have I'm clueless about same here I can I know how to jiggle the switch it on and take that everything off and make sure the thing is booked on there the commode okay stopped up I a charge for that three hundred dollars dollars eight hundred dollars the guy that wrote readers don't is not only about that so the state of Texas is the debate about whether or not to be regulated and I don't know how I feel about this because it's let's be honest it's hard to get over that hump if you're the average citizen I I if you charge what you can let me say this departure you charge what you can't you charge what the market will bear but I have to admit I think everyone of us feels kind of the same when you walk out after five minutes I'm always wondering is that a good deal or not well he's he or she is such an expert that I just gotta pay I've got a pay I think the proof as they say is in the pudding if your problem be it a clogged drain be it be at a clogged toilet whatever if it's fixed it's fixed but I am amazed that they're gonna let this go through and not have any type of unregulated plumbers seven on newsradio kale BJ five ninety AM and ninety nine point seven FM the.

Texas kale BJ Jeff Brittany ed Clements Google eight hundred dollars three hundred dollars five minutes
"three hundred dollars" Discussed on WEEI

WEEI

01:54 min | 1 year ago

"three hundred dollars" Discussed on WEEI

"I spent three hundred dollars a month that your poll we which is why I am and it's not a cut my my wife's Texan me what what time do you get off at night we will go to dinner I really just wanted a burrito bowl that's all I wanted I guess all right get steak instead which doesn't help the diet and I heard like all the rejoins we have you on SB nation I forgot what show they were talking about all they have to go on a diet I gained ten pounds in the Dominican and it's sad when you get to my agent you can fuel the ten pounds I've got to go back on one of those like wheat grass and mineral water diets yes herbal on your all your like twenty four twenty five twenty seven in August so you can eat whatever you want you probably don't gain an ounce if I look at a slice of pizza I'm up for trial no I'm the same way man I'm the same way I got to watch what I eat like crazy so I a year ago I went on a great diet I lost twenty five pounds in one month and it was literally just meat and vegetables and the the snack that you got was a bag of carrots so I ate enough cares I thought it was bugs friggin bunny by the time it was all set up at all twenty five pounds in a month I just don't have the will power to do that when they're good food sitting there in front of me we ordered pizza the other night some of the government of small it's just me and my wife I hate all but one slice I might as well just ordered the large and had some food for that accident so it doesn't look like a burrito bowl for me we come back Russell Baxter football go real work for a bunch of different outlets we're gonna break down what we were talking about earlier who's in who's out in the NFL playoffs Alaskan that next on Michael's on SB nation radio.

Michael Russell Baxter NFL twenty five pounds ten pounds three hundred dollars one month
"three hundred dollars" Discussed on Talk 1260 KTRC

Talk 1260 KTRC

05:05 min | 1 year ago

"three hundred dollars" Discussed on Talk 1260 KTRC

"SUV almost three hundred dollars power all wheel drive, there is no question. This is key as new best in class. Michael. I know you love that, right? What do you like about it? Gain mandate chats, you named your dog Randy Travis. Waffle highlight. Big rigs. Tell me more about the wheel drive action. Tell you, right. Has an active on demand all wheel drive, but it also has a four wheel drive locking snow mode. So all drive keep you on the road four wheel drive. We'll get you back on the road. In case you went off. I think I'm ready to test drive, the new tell you ride. Putty. I San fakey. Starry some night, or snow covered with Tuesday. Non so. We shouldn't. The league. Continues. Saying. Did you ever consider general practice considered? It also consider breaking my leg in three places. Joining the foreign. Three dresses in a week. Made me. Steve. How business singing? What? And the devastat follow me, tell me, how could I? One ring to..

Randy Travis Michael San fakey league Steve three hundred dollars
"three hundred dollars" Discussed on Talk 650 KSTE

Talk 650 KSTE

07:10 min | 1 year ago

"three hundred dollars" Discussed on Talk 650 KSTE

"You called sooner. How can I help? Anyway. So my soon to be wife, and I are getting married and exactly sixty days. And so have you know, you know, the major question she her parents retired from me or her father retired from Neath on and along with Nissan. They have. I guess a benefits plan with where you get a new car every seven months. Yeah. And you pay a very cheaper rate every month. Always almost nothing, and they provide maintenance and tires and gas and oil and everything. Yes, sir. Yeah. It's wonderful benefit. Yes. So I mean right now with a Nissan Altima, a brand new one, it'd be no money down. And I think we have to pay about two hundred bucks a month. Plus the insurance at the Nissan offers which is around one hundred dollars a month. So in total, it'd be about three hundred bucks a month. You cannot you cannot. But the three hundred dollars includes it, it includes gas, even doesn't it. No, not not so much the gas and all maintenance though. Yes, sir. Every day and she's eligible for this. As the daughter the grown Mary daughter of a retiree. You know? That's that's the the minute details that will have to work out. But as of now, I've asked that question to to her father, and it seems like. As the owner of not the owner of the car, but the owner of the benefit rights permission to the daughter to to drive the car is your primary vehicle. Okay. If you can get that. And you can do it with integrity and do it legally. It is an awesome deal. Okay. All right. Very good. This is not leasing a car from your car dealership, which is not an awesome deal. It's a ripoff. But this is a this is a benefit for an employee of a car manufacturer. And it is a wonderful benefit. Yes, sir. Because you cannot operate a car this cheaply. Chorus going down in value more than you're paying for it every month. Yes. Not to mention all the fact that you're, you know, you're driving it for free in other words. Yeah. And it's just it's it's not a lease. It's an employee benefit. It's a rental agreement. That is discounted by about ninety percent. Everything that's offered. There would be about a thousand bucks a year. If you just went in the open market and said, I'm going to finance this car. I'm going to do this. I'm going to take care of my own tires. I'm gonna put the oil. I'm going to do all the maintenance I'm gonna pay for everything and you bought that car. It'd probably be a thousand dollars a month. Without a doubt. Without a doubt. I got real nervous thinking about that. Because you know, she does have some student loans. And now this is not. Yeah. This is cheaper than you can drive a used car. Yeah. Definitely one hundred percent. Okay. So this is a deal, regardless of where you are in the baby steps this helps you build wealth because you have a not only have a really nice vehicle, but aside from that, you have an a very inexpensive piece of transportation. Yes, sir. It's a deal. Do it. Thank you very much. Congratulations on your marriage. Very cool. Open phones at triple eight eight to five five two two five. Rachel is in Boise, Idaho. I Rachel what's up. Hi, dave. How are you better than I deserve? How can I help? Oh on super nervous. Well, we've never lost a patient. Hang on. How can I help? Okay. So long story short. We are on number two. And we just did that every dollar by a couple of days ago and down as. On my husband allocated every penny. We have coming in. And we're very excited to get rolling. But my mom is disabled. She broke about eighteen years ago at work. And he lives off of disability and social security, and we moved in to help her out not financially, but physically she can't drive. She can't Alon so on so forth. Well, she has brought to the table that she has some equity in the home, and she's willing to sell her home get it out of her name, and she wants knock you and I to buy a home where she would provide all of the money to pay off all of our debt and the down payment. She's definitely afraid that if something happens to her her only asset is the home and equity, and he's. Security and Medicare and L essentially, take it. Oh, my question to you is that something that we should take and take a gift from her. And I mean, it's kind of like her thank you for taking care of her. Because she are you the only air. No, my brother, I have a better and the original deal when she got the house that we're currently living in he was actually on the home. And this deal was presented to him and everybody has crazy in their family. We'll just say that. It didn't work out. And so he refinance got the name got the house out of his name. He moved out, and we moved in is essentially how that worked out. And so now, we're living do this deal. He's going to be mad the rest of his life. It was a deal that he was aware of that, you know. But you got you got all the money from her state. It's nothing right. Right. Right. You guys just need to think through that part of it. Because this is everything's still kind of up in the air right now. I mean, there's chances for reconciliation there's everything else. But when you do this you put a nail that you put an eye on this relationship. It is over. Red. He's not gonna talk to her anymore. He's not gonna talk to you anymore ever. Right. If that's may be the cost. I mean, I'm not positive, but that might be the cost, and that's one of the things to consider here. This is not just a mathematical transaction now if we're doing that. If we're gonna go ahead. How old is she? See? Be fifty nine in December. And so you're willing to do this for twenty more years. Yeah. Absolutely. You're committing to that. I mean 'cause she she live. She live to seventy nine pretty easy. Yeah. We have a solid we have a solid relationship. You're how long you're how old. Twenty nine. Okay. So you're gonna be forty nine and be taking care of your mom. Okay. All right. I'm okay with that. It's wonderful that you're willing to do that. But I just want you to count the cost here because what happens in a situation like this is brother, and you taking care of mom, the weight of.

Nissan Altima Nissan Rachel Neath Boise Idaho Medicare Alon three hundred dollars one hundred dollars one hundred percent thousand dollars eighteen years ninety percent seven months
"three hundred dollars" Discussed on Power 105.1 FM

Power 105.1 FM

03:45 min | 1 year ago

"three hundred dollars" Discussed on Power 105.1 FM

"Three hundred dollars for cleanup, replacing tables, and grills and reimbursing and rescheduling a birthday party set for the pavilion later that morning. It only took the Sarasota county sheriff's office a few days to track down and arrest Heather carpenter. The forty two year old is charged with felony criminal mischief turns out carpenter as a substitute teacher at Phillipi shores elementary school, according to arrest paperwork, carpenter wasn't happy with how the principal handled a professional complaints. She made at the end of November the Sarasota woman admitted to investigators she smeared the feces with the goal of spoiling the birthday party planned at the park that day celebration was for the principal's. Daughter officials say carpenter is no longer a substitute and kept volunteer at any district schools. Well, this investigation is active. You think? Heather was with the the the the sugar Honey, iced teas okay now. I have a homeboy who shall remain nameless. Who used to have a real problem beaten people up so he would anger management as part of his probation for beating people up. So whenever he wanted to beat people up instead he would resort to fighting with feces. What is crazy? I didn't see him. What I mean by that is if you had a beef. Beef with someone he would cut your car seat open and put Dingle berries in the cushions are. He might go on your house and put a couple of chocolate delights in your sneakers. I remember he had an issue with his next door neighbor in the next door neighbor's roommate, you know, let him in the house. So my guy put but truffles in the Naples couch cushions what's trefoil third. Never understood. Why the roommate was down with that? Because he had to live there too. All right. The moral of the story is is just some real live turn terrorists out here and have the carpenters clearly wanted him. My thing is heavy. You got beef with the principal? Why are we attacking the Keats because that's essentially what you were doing about spreading, but mud all over the picnic tables and grills that this part. None of the adults are going to be affected by these rusty nuggets. I mean, sure you put some rectum warriors on the grill. So that means everybody's burger would end up getting forty babies on them. But why do that to the kids? Okay. What is something? You always tells you never go to war, which someone who gives a f less than you in clearly have the carbon don't give a f anyone can get it men women and children if she got beef with you than all your getting but beans, all right, everybody. Party going get all the fanny fudge you can eat chocolate bananas for everybody. Simply because I got beef with one person, I'm telling you, don't go to war with somebody who gives a less than you. Especially a wreck the Maurya now Heather has been charged with third degree felony mischief and property damage in is no way, she can be in population with other prisoners because what if this? Territories decided to let a bunch of frightened turtles loose in the prisons. Does you really wanna corn massacre in correctional facilities? Think about it Florida, please give carbon did a. What? Got a question. So for her to carry in your guys your friends. You know terrorists. So he does he does he poop on the floor. And and pick it up never asked to do with human feces could have been dogged pieces. I don't know what kind of feces. It was scary. Okay. You know, what I'm assuming was just assuming his hers. Pick it up you go into tall saying you got to go to a prison. You know what I'm saying? And that's your weapon of choice. You always got some on deck. Oh. I'm pretty regular eight thirty s morning anybody any terror terrorists need somehow. My goodness. Well last night, I had fish for dinner this morning. I have my regular. Also got how well you're doing as far as your diet. I never him up who looks.

Heather carpenter principal Sarasota county Sarasota Phillipi shores elementary sch Naples Keats Florida Three hundred dollars forty two year
"three hundred dollars" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

02:53 min | 1 year ago

"three hundred dollars" Discussed on NewsRadio 1080 KRLD

"Two hundred dollar range two hundred and three hundred dollars. And so you this is a purchase that you don't have to blow a bunch of money on. And I encourage you to spend when in doubt, spend less rather than more and. Prefer that my net. A good question is to stainless steel interior over the plastic. I would go with plastic. Save the money. Really? Yeah. Yeah. But I mean, come on who are you asking? You're asking cheap guy. You think I'm gonna say. Oh, yeah. Go with the fancy interior on the dishwasher. It's like my thing with washers and dryers. I just don't get. Why people want the fancy washer and the fancy dryer. You know to to wash and dry your clothes and towels and stuff so. You know, you can go the consumer reports route and see the dishwashers that they've found to be the best and you can pay all different price points doing that. But as far as buying the dishwasher that you're buying right now. Rather than spend a bunch of dollars. You didn't get reliability out of spending a lot of money on one. Why don't you buy one? That's got good. At least good purchaser reviews and is cheap. I've been racking my brains on the distant sites, you know, best buys polos etcetera trying to figure that out. You know, you're gonna have pros and cons at all. And I have that conceal report. And my husband make it. I think I know what I want. Then he confuses me worse. Right. Well, I think I think the way you solve confusion is spend less. Okay. I mean think about it. If you buy it for one hundred and ninety five dollars and the thing Croke out of warranty. Think about what one repair visit is for a dishwasher. Yes. So that's me. I'm like, but I'm a bad one to ask. Because as I've always said, I'll accept lower quality for a lower price on anything except premium ice cream. That's life. You just can't compromise. And for me, it's ice cream. But on a dishwasher. Price. That's my thing. Elaine is with us on the Clark Howard show. Hello, elaine. Hi, thank you so much for taking my call. Sure, you're looking at buying a new car right now what I'm trying to do is get a car pay for a while. I'm working when I decided to hang it up and retire like, you I will not have a car..

Elaine Clark Howard three hundred dollars ninety five dollars Two hundred dollar
"three hundred dollars" Discussed on Hollywood Handbook

Hollywood Handbook

02:41 min | 1 year ago

"three hundred dollars" Discussed on Hollywood Handbook

"So you're driving you haul truck because you can't afford tesla and tesla cost up to like sixty grand, but minimum you're gonna be spending at least three hundred dollars on a tesla. And that is not happening right now because you're actually spending a lot of money on other stuff to get right for wartime because women have to get their hair done. They have to replace their old nails every time they paint their nails, and that takes lot of time and a lot of money, and then you know times. Time's up. So that's what I think about seat is that I don't like CPO mostly because we had a fling me. And my that I tried to stick to seatbelt inside myself, and it didn't work out. But did. So seatbelt Distasi pill inside myself, and it didn't work out, and I'm actually not going to get into that in detail, but it didn't work out. And there's a little offer tension inside you also now now I don't like seatbelt. And that's my personal thing was seat though. So I hope when you're driving home today, if you're driving now, you're gonna unbuckle that seat belt. That is so interesting. So what the wheel landed on was seat Bill. I don't even remember that being on the wheel. I suggested a Tam. I totally forgot. But she's right about some. I like thought about a lot of thought about before is a triangle triangle, I didn't know that you guys had like history. Yeah. But that I I mean, and you easily have said like, hey, you know, that one you couldn't even stop the show that one's a little bit like. Like a little bit weird. Well, ended today. Listen, I did know that there was awkward tension inside the U haul. And I did know that tesla costs three hundred dollars. But I had never heard that in this context. Yes. It was kind of a new frame for an old painting. Well, it makes sometimes it's yes, it's interesting. Sometimes there's things that you know, but you've never really thought about. Yeah. And so to be challenged and that way just in terms of seat belt. Was pretty wild. Woods all about like. The like taking paradigm and just like smashing. That's all okay. Okay. Spin the wheel. Shod again. Okay. Well, this'll be quick get it on their way. Do karaoke. That's been..

tesla Woods three hundred dollars
"three hundred dollars" Discussed on Millennial Money

Millennial Money

02:00 min | 2 years ago

"three hundred dollars" Discussed on Millennial Money

"There are a lot of credit card interest with that. If that's not paid on the mower side, and kind of more average or kind of the national average you end up at close to three hundred dollars in just a shopping increase that's fairly manageable. I think for most people so there are lots of differences. You do see a little bit of an uptick in travel that that kind of evens out because you know, people are traveling a lot these days and flights like it or not sleep are getting smaller. But at least the fares are not increasing. So so that doesn't seem to be a problem category for sure, and I'm curious what is the value of knowing where your peer groups stand in these certain categories. How could you use that information really powerfully to better your own situ? Nation. I mean, this goes back a little bit too about how we hack our mind. And there's been a ton of research done on what peer comparison motivate people to do in different walks of life. For example. There was a study if you years ago about hotels asking people to reuse, how will and and you know, to help save water and the environment to some degree and most people just completely ignored him. But the most powerful message that they tried to say, you know, ninety five percent of the people who stayed in this room in this room. We use their towel twice. And all of a sudden, you had a massive uptick in people using their towel similarly in in the energy area. You have some utility company sending people, you know, flyers including take ones in into their Bill saying, hey, you should try to conserve more energy. I it'll. Help the environment..

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"three hundred dollars" Discussed on 760 KFMB Radio

760 KFMB Radio

01:30 min | 2 years ago

"three hundred dollars" Discussed on 760 KFMB Radio

"Pays three hundred dollars to the winner to the winner to the winner. Will you be notified when the other to quit? Yeah. I think so right. Mean I'm not staying here. Eight hours. When you quit after five minutes. But that's the. Just get out at the same time. Hey, these guys done yet again. Now that I'm it too. You're in. Towns accepted. I'm out no way. No, no, no. I just said you're in you're in. We do it out. No YouTube are in. I'm out domino. The game. Nope. Separate coffin wherever own coffin, Eric. Although. Robert. Yup. I never three hundred bucks. You probably listen miles isn't gonna last ten seconds later. I could see Slater doing an hour. At least I think you you get an hour. Thank you. I appreciate that. Yeah. I. If you could go to a place, I don't think you can go like thirty hours. No, no, no. That's insane. That's insane. Erickson, he's just..

Erickson YouTube Slater Eric Robert three hundred dollars five minutes thirty hours Eight hours ten seconds
"three hundred dollars" Discussed on The Energy Gang

The Energy Gang

04:19 min | 2 years ago

"three hundred dollars" Discussed on The Energy Gang

"Three hundred dollars a month, and that was enticing. You know, here we are paying in Europe, you know, five, six, seven, eight dollars a gallon or you know, and he's talking about a free car at one point, even said to, you know, a auto manufacturer, you know, based on the fact that I'm going to be selling these cars for free. You better take all your cars just off off your books because you're not going to sell anything. Yes. So when he started out Brian in the two thousand eight time line and came, I was running grade wise alliance at that point, which is a smart organization, and they came to us and describe what they were doing. And this notion that Don was talking about virtual power plants which are now happening on this whole concept of smart grit and making sure that you could manage vis so that it would actually make the system better. That was all very intriguing, but one of the things I just could not get my head around was this battery swapping cont concept because it just. It seemed so capital intensive. So talk a little bit about how that how he could not get off of that idea. I mean that that was such a key piece of what he was trying to sell in two thousand twelve when the car was just being launched, shy, took off on a road trip around Israel. The switching stations were not all open, but many of them were and he started his home near Tel-Aviv and he drove north to Haifa. And then he drove a little bit east towards the Golan Heights very close to to where series, you know and we're all the the action is going on right now. And then he drove south all the way past Jerusalem, the Dead Sea to a lot. And then he drove back north and he did this entire trip which was over a thousand kilometers in the course of one day switching batteries all the way, and he tweeted the entire way, taking pictures up and down the country. And it was an exciting moment because it demonstrated that this vision of this capital intensive switching network that it works. And and there was no other way for him to do this crazy is crazy trip of thousand kilometers in a day. Other than switching batteries. He could never have plugged in even if he had a fast charge in the Renault fluence were not fast charged capable. So they took six to seven hours to fill up from zero to, you know, whatever it is. They were gonna fill. By the time we launched, they got about one hundred twenty to one hundred and forty kilometers to the to to charge, but you even if it was forty five minutes to an hour to fill up if you had to swap seven eight times over the course of this thousand kilometer trip, it wouldn't have happened. So you know, he, he loved the idea because it made sense, especially made sense in what we call island countries. Okay. What's an island country that's a country where you can't really drive far out of the boundaries of the country. So an island like Denmark was was was a good Denmark is connected to Germany, but you know, you. Have a lot of water around Denmark. Israel is an island because you're surrounded by the Mediterranean on one side, Syria, Lebanon, Jordan, none of which have open borders. So you have an enclosed space. You can put the switch days as you can get anywhere. He loved the idea. And the truth is I love the idea to because I could go anywhere it. It made sense. Even though as you're about to ask the next question is how much of the station's cost and and how much capital did it did it burn up and the answer is a lot. A good story doesn't create a good business necessarily. And so the the swapping stations cost, many millions of dollars. I think three million dollars and they had assume that they were gonna cost, maybe a half a million dollars. It was very difficult to secure partnerships with automakers. Ghazi would go into meetings feeling like they should be scrambling to to be working with better place, and they returned off by. His pugnacious approach. You know, there were things down to the smallest screws in the swapping stations that were way more expensive than they thought that design the engineering, the fixes to the swapping stations. Basically all the real stuff that has to happen as a company kinda took better place by surprise..

Israel Don better place Denmark Europe Jordan Golan Heights Tel-Aviv Renault Jerusalem Haifa Dead Sea Brian Ghazi Mediterranean Lebanon Germany Syria thousand kilometers Three hundred dollars
"three hundred dollars" Discussed on Sword and Scale

Sword and Scale

04:05 min | 2 years ago

"three hundred dollars" Discussed on Sword and Scale

"The theft of three hundred dollars worth of marijuana and it appears that the one boy was lord out to lor out his friend because apparently they were blaming the friend for the theft so when he refused to give up his friend they killed him and then a few weeks later they caught up with the one that they were trying to get the first time so that i'll say all along i had been here 'ring rumors along those lines but to find out that the rumors were reality was really a sad ending to that story it's gotta be sort of a little bit sold draining to keep hearing about these missing people that you know there's no end to this you're never gonna run out of content now and that's the thing it never ends in it's i get so many requests through my website people ask me a lot if i feel stressed by working with the families if that stressful to me and it's not necessarily stressful to me working with them what stressful to me is trying to get to as many people as i can as quickly as i can cause some people feel very desperate especially with the more recent cases they're very very desperate initially for answers and when they're not getting any kind of response from the media and the police sometimes aren't acting on tips or leads if it can be very very difficult so how has your audience responded to the vantage the feedback has been mostly positive and one thing that i really appreciate seeing from the audience is that many of the families that i talked to they run like facebook pages for their missing of one so it'll be a place where they share information and sometimes they get leads through messenger on the facebook page so what i try to do is include that information at the end of each episode and also in the show notes so people can follow on social media and a lot of listeners do and they go out and i often see them offering to help in any way that they can or even just telling the person who was all my show that they're story retouched them in this way or that way or inspired them i always like to see that it just kind of restores my faith in humanity but also i get a lot of messages from people who say to me things like i struggled with addiction or my sister my brother and i really appreciate that you covered this person or anything along those lines because there is so much that we as humans struggle with that isn't really spoken about all the time and so a lot of these these things go on said and people you know go about their day and and keep that inside but to hear someone going through something similar that you've been through seems to really hit people in an emotional place and i have found that putting that emotion into the show is really effective and it makes the story stick with people longer and they're more willing to go out and help or go out and help with the search send a letter to the detective or send a letter to the da's office anything like that and i've seen a lot of positive response and it's not always directed toward me and that's fine i really appreciate people take the time to say something nice to the person who took their time to tell their very difficult story on my show now that leads me to another question because your audience is very respectful much like yourself weirdly so to to degree because the true crime spaces full of people that are little little nutty sometimes we did a whole episode on the web sleuths phenomenon where some people think they're amateur detectives and try to.

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"three hundred dollars" Discussed on MyTalk 107.1

MyTalk 107.1

01:31 min | 2 years ago

"three hundred dollars" Discussed on MyTalk 107.1

"Right thanks you kind of fill in you know and you can create a look around that but i get it like if you were to walk in and you were a girl and you're like god this cute gucci bag like there was a great pink one in the article yeah it's just funny that it's really back now of all these years of pulling clothes and doing editorials instead of gucci has never stopped being like that iconic symbol right there were a period there was a period of time where they were these big gucci medallions that were on everything you know so i mean i think for certain people and they're racing stripes that's another one of their signatures it for certain people it's like it's building a collection well in this new round of logo fame because everybody's back to wearing them it's really gucci who kind of started it with their t shirts that were to three hundred dollars l even took the inspiration from gucci and another thing that they've been doing in that helps attract the younger people if they've been working with celebrities like harry styles and they promote the brands and gets the teens especially to be interested i thought this was kind of interesting child psychologist told racked that the fancy celebrities who came from modest backgrounds and they're wearing who she and so these fans than think that the brand will help them transcend their circumstances but you know gucci successful they're super smart like for example there are all over all the real housewives franchises.

gucci three hundred dollars
"three hundred dollars" Discussed on AM 920 The Answer

AM 920 The Answer

01:43 min | 2 years ago

"three hundred dollars" Discussed on AM 920 The Answer

"Organization with three hundred dollars a year termine the fundamentals of dough currency which the best i can tell they're really difficult to determine if there are fundamental then that would be t roy harmon right there armen all designate to see and see if he's charter holder as they would prefer me say can't use that as a now believe it or not and then cva certified valuation analysts they'll look at business valuations from time to time of elsl held companies the ap of god is there a pico as our chief as arch he's working on tax return to citizens he did say i will assure you do your tax return better get going to be somebody else to look at okay i do not i'm not in favor of taxes the necessary after they are absolutely in the city they are a huge part of life but maybe if you get you can explain this new tax code to me because i'm still drumsticks for somebody's got as many kids do you're getting home those are the only parts i know there's a lot of other parts i haven't been able to concentrate on because i i'm just trying to figure out where they're going to be costing me the most jared designation for having a baseball team worth of children man if there is a need to look out for you you got a basketball team yeah i'm working on.

roy harmon elsl jared baseball basketball three hundred dollars
"three hundred dollars" Discussed on Altered Geek

Altered Geek

02:09 min | 2 years ago

"three hundred dollars" Discussed on Altered Geek

"But for three hundred dollars cg animated in that i do whatever i want with it so i in in not have to take up space although i would love to have the ship but three hundred dollars is lot swallow and i've gotten completely track of of batman here but yeah i just i don't collect anything anymore it's it's sad but i just i can't get into it anymore moving onto his star trek discovery comment he says wanna talk about starting discovery i have never seen the show only recap shows on youtube odyssey data price on the show the ship looked great look seem to fit in with discovery ships after seeing seeing this i kind of hope that for next season the producers just admit the show is really luck rebuilt really doesn't take place in the prime time line either way in looks cool it was cool have a good weekend so they've essentially said it is set in the primetime line no matter what we feel about it they've managed to make history and everything else collide and connect into where it should line up with your journal series it's mostly just a look reboot as far as the visual aesthetics but they're claiming the story fits in it i still have yet to see how the klingons piece into this that's that's my only might only gripe about the shell at this point is the klingons because i don't see any feasible way they could look like orcs and then change into what we have in enterprise original series the next iteration voyager and deep space nine so i just i've opted not to pay attention to that aspect because if it doesn't fury it's me so yeah that's that's about all i got there and then he says it's fires the old media really enjoyed the last upset about dead media i remember getting my first cd remember going to the the warehouse of media store in the san francisco bay area there.

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"three hundred dollars" Discussed on KYW Newsradio 1060

KYW Newsradio 1060

01:51 min | 3 years ago

"three hundred dollars" Discussed on KYW Newsradio 1060

"Accused of taking part in an operation that involved hundreds of thousands of dollars in bribes to steer top players to certain schools shoe endorsements and even agents cbs's steve fodder in addition to the arrests of the four assisting cover coach is also charged as a key executive with the powerful shoe company adidas he is accused of funneling money to the families of three major high school prospects in order for those prospects to sign with specific universities that have deals with adidas one of the accused schools has come forward the university of louisville bill and this could have an impact on the future of louisville's head coach rick pitino steve futterman cbs news this is cbs news kyw news time 402 three here's your traffic update on the schuylkill expressway westbound rated 30th street shut down for overnight construction you're forced off at various feed your right back onto the schuylkill expressway westbound also seventy six westbound from gulf meals down to to a two right lane construction on the eastbound side of the schuylkill expressway from go south meals down to the contra hawkin curve left lane milling impeding all scheduled to be there till five o'clock this morning not seeing any problems other side of the vine street expressway i ninety five north and southbound at in bucks county route one of business route one left lane knowing and painting that's also expected to be there through 5 o'clock this morning boulevard southbound southampton road redline road outer drive closed and also with this woodhaven road westbound the ramp to the boulevard they also have this closes part of this construction work northeast extension southbound lehigh valley quicker town right lane road work on the northbound side of the northeast extension lansdale the quaker town right lane construction works at appear seventy eastbound kings highway to 295 construction work in the burlington bristol bridge that is closed five o'clock this morning next update in less than ten minutes i'm jim up measure directtv years allowing some of its customers to get refunds for nfl sunday ticket three hundred dollars subscription that.

cbs steve fodder executive louisville steve futterman lehigh valley burlington bristol bridge university of louisville rick pitino shut down bucks county directtv nfl three hundred dollars ten minutes