35 Burst results for "two dollars"
How can I sell printables without paid ads?
"Crest infinite. Dc metro area. I love listening to your podcasts. Being a part of the side hustle school community. my side. Hustle is created principles on and right. Now i'm crean holiday theme or principles so my question is i'm not sure what's the best way to market my se shop the sides. It's he adds which i don't want to pay for them front. I'm already pinterest and posted on instagram. But i'm not sure what else i can be doing. I wanna know what's the best way to market. This shop. And i know that creating a plan before thanksgiving weekend is key nixon events. Thank you so much listening. And for the question. I love the challenge of a tight deadline now listeners. First of all go and check out yvonne shop it has oetzi dot com slash shop slash mom powered life mom powered life where you can just search for that if you ought to use that site okay. So i mentioned a few the pros and cons to this in the introduction. I don't think a lot of people are gonna get rich on principles just because they are so easy to copy one seller starts to do. Well you know other people are gonna notice. They're going to say well. I wonder if i can do something like that. And then they will and so then. The market of suppliers essentially expands also keeps prices low which among other. Things means that you don't have any profit margin to spend on ads if you you're making twenty dollars per printable. Let's say it would be very easy to say. Well let's been you know ten to fifteen dollars on ads. Because i'm coming out ahead no matter what their but it's really difficult to do that. So prices are low supplies high. But that's what can be done like. Is there anything that can be done. And i think so. So again mom powered life on. I was taking a look at this most advanced products. At least the one she has so far are selling for the low price of two dollars. Two dollars i think is going to be really tough. They have to be low prices. But i think you also need to find a way to sell it the five to ten dollar price point which is also low but five or ten dollars is a lot more than two dollars trying to profit in the long-term on two dollars a sale is going to be quite challenging right. You'd have a lot of sales and you're still not doing that. Well because you have to pay at sea listing fees and there's going to be some degree of customer service people emailing questions and such so if nothing else the five to ten dollar price point is better and i also think this is the kind of thing where it is a numbers game to a certain degree like you want to list a lot of items a lot of items with a lot of different keywords. Because you want to be as visible as possible without spending money on ads. I also think this is key and also may be related to how to increase the price point. You really want to encourage multiple purchases and starting to do this a bit with a couple of bundles that she has. But i think you can do this a lot more like you really don't want somebody to check out of their shopping cards with a two dollar purchase. Maybe they can add that to purchase to their carpet. Then they see oh. I spend five dollars more if i spent seven dollars more. If i spent twelve dollars more. I can all these other things as well so for me. One big goal here would be increasing the average checkout price so that nobody is checking out with a two dollar transaction. They're actually spending more and getting more. So those are a few things that can be done as i said. It's probably not a get rich. Quick plan or get rich at all plan but still it's kind of fun to make a downloadable file and put up for sale and then you kind of go away or you look back a couple of days later and you've had a bunch of sales that that is good. That is empowering might give you the vision to do something different in the future so good luck anybody else. Who's doing principles definitely get those holiday listings up
It's Our Holiday Gift Guide
"Okay gel so. I think we better start with a nod ben calendar. I mean. it's the most classical gift you could give somebody. I mean i just love this trend that started probably like five six years ago but the beauty advent calendar. So there's so many out there. I just want to highlight one. Though that i think is really good value for your money and that is from the body shop. It's the make it real together advent calendar. Sixty-nine dollars in it's worth one hundred and thirty seven dollars on the outside. It looks like a house like an a frame house in it's purple kind of cardboard packaging. So i like that because it's actually paper so at the end you can recycle it. It's not going to be a ton of waste very beautiful illustrations on the inside and there are twenty four. Little doors that are filled with mini goodies. Yes so i like that you get the full twenty four door experience. Spot is on a lot of bulk and it's not a lot of waste. Yeah so you get everything in there from their lip. Bader is to scented lotions handcream. Shower gels body scrubs. And i like the little extras that they've done. They have a festive nail file. They have hairclips. They have a bath. Lilly in there and bath gloves so these are just like the little things that are like. Oh yeah. I do need a new house. And they've included them in this particular thing so i think it's great bang for your buck and we're spending so much time at home might as well have something to open every day while you have your coffee. Yeah hell yod surprise and delight me every day. You know but. I love the body shop around the holidays because it's great for all ages. It's just so giftable and it doesn't break the bank. So i think that was a grapevine gel. Now i'm really excited to tell everybody about my fine from sephora like i said i crunched all the numbers i put my lake analytics hat on and the winner was the first aid beauty. All that fab five piece holiday sat so this is forty nine dollars. Us with a hundred and twenty seven dollar values. So they're seventy eight dollars in savings. So i know that's a lot of numbers. I just threw out you but basically you're saving more than what you paid for the box. So that's pretty aussie. That's awesome math. It's going to be sixty four dollars. Canadian with hundred and sixty seven dollar value. One thing that i really like about this five piece set is that four out of the five pieces are full-sized. They're not just many. So that's great because you hear a great value. You think it's just going to be the travel size and then has every step of your routine as well. So it's got a cleanser moisturizer cream lip product and exfoliating toning pads. So it really. Has you like completely taken care of all season long. And i'm a fan of i aid beauty anyway because it's great for sensitive skin you know. They don't add a lot of the product. It's been dermatologist tested. I think even if you don't have sensitive skin going into the winter you need that like bare your repair and they have all of these ingredients. That are going to help with that. They've got glycerin to hydrate. Nyah cinema. that's going to help with texture and tone as well colloidal oatmeal. That's going to help to soothe irritated skin and then in the exfoliating toning pads at scott. Aj's going to give you that gentle expoliation. This is a kit. That's great for all genders. All ages all skin types. You know it's just basically like soothing. Brightening doing everything you could ask for mainly hydration so this is a win for me joe. Yeah and no hate no shade to first aid beauty. They're not necessarily sexy looking packaging or products. But they've dressed them up right on this package. I have it right here too. So kind of like an art deco vibe on the front of it is really fun. Ads like silver and gold and black with celestial stuff on it. I mean anybody wanna open this for the holiday awesome levitt. If you guys are on a budget you know when you're not willing to pay the the triple figure price tag. I know you found a kit that was like sitting right around twenty five dollars with some products that we also love right. Yes so this is from bioscience. It's their lives glow kit. It's twenty five. Us dollars with a sixty two dollar value. That's thirty three canadian. Seventy nine canadian value so this includes two products. The scaling and lactic acid resurfacing nights serum plus the scaling and vitamin c rose oil. These are both like smaller. They're not full sized. Get the full experience using these products and for me that squealing and lactic acid. Resurfacing night serum. It's one of my favorite products. I've tried in all of two thousand twenty and the reason is you put it on before you go to bed. You wake up. You're so glowing. It's insane you get those instant results. But there's no irritation and then the vitamin c rose. Oil smells amazing. And it's not greasy at all and it really. I think is a great product to use in tandem with that exfoliating. Yeah i love a face oil. When i'm using heavy duty exfoliating because my skin just got so dry and it just feels like It needs that like give me that oil. After you know so i love this little combo. It even has the gift box like you. Just write. someone's name on the top. You don't even need to give perfect perfect. Yeah love
Cleve Jones: Queer Spaces After COVID-19
"The reality is that the Gayborhood are going away. So, if you look at San, Francisco's Castro district or Seattle's Capitol Hill or Washington DC's Dupont circle or boys town in Chicago West Hollywood or anywhere you want to look lavender Heights in Sacramento wherever you look where there's a defined gay neighborhood. It's not just a place where there's bars though bar life has always been an important part of our culture. It's where very important things happen. I is political power. When we are concentrated in specific precinct gives us the power to elect our own public office the the power to defeat our opponents, the power to pass legislation that directly affects our lives in our wellbeing. As we are dispersed. We lose that power. Another super important part of it was the cultural vitality look at all the amazing stuff that's come out of West Hollywood that's come out of my neighborhood I mean it's no coincidence that the rainbow flag and the First Gay Synagogue and the First Gay Film Festival and the Aids Memorial Quilt and the Sisters of Perpetual Indulgence all were born in the Castro because there's that magic that happens when creative people when choreographers and filmmakers dancers and deejays and painters. Are All in that same area and I. Know that collaboration can occur very effectively online but there's nothing like the magic of face to face contact close proximity for that cultural vitality, and then the third thing that's at risk are the specialized social services for our most vulnerable population. So. Whether we're talking about people like myself who are getting old long term survivors of HIV or queer kids trans kids who were fleeing trump's America where do they go? They can't come to the Castro a little crappy studio apartment in the Castro is going to cost you twenty, five, hundred dollars a month. So this is the reality that nobody's really quite talking about that that community that has given so much and strengthened us in inspired US moved. US forward. Being threatened and there's many factors technology. Many. People will say, Oh, well, we can live anywhere. We want. No, you can't. Tell me that try it. You know go to Duluth and walk down main street and hold hands no offense to duluth or any other city. You Might WanNa try doing that outside of a gayborhood. So we need these these spaces they're important and we need to figure out what's our next move? Do you have a solution. There's no easy solution but yeah, when people say oh, cleave. Cities Change well. Thank you for that brilliant observation. Yes. Of course, it has changed but we want to. Be Thinking about that change and the big factor is that cities have changed in a way. That's profoundly new. For generations since the industrial revolution, the cities were the place where refugees went immigrants, Bohemians, counterculture people, artists, homosexuals, and all these people of all these different backgrounds and ethnicities genders would you know create this these cauldrons of creativity and and they would climb their way up the economic ladder move out to the suburbs and that was really accelerated in the Post Warrior the nineteen fifties, the nineteen sixties, nineteen seventies, the phenomenon of white flight. So when I got to San Francisco, the population of that city had been declining steadily since the end of World War Two and we were able to go into these neighborhoods that had been largely abandoned by the working class immigrants that had built them originally. And create what we created I on Polk Street. Then on Castro and folsom street hate streets you know he's really vibrant communities. These are now some of the most expensive neighborhoods in the world. So the district that gave us Harvey Milk. is now inhabited increasingly by wide heterosexual gendered millionaires when you arrived in San. Francisco, you had a sleeping bag and a couple of shirts and forty two dollars and you were welcomed into this guy's home. You would never met who was not expecting you. It was an address you have from a friend and there was a safe place to live and to get on your feet. Even, if it's not as San Francisco, like that mentality is so unique. I think that's pretty much now partly because it's just so difficult to survive. So the young people I meet in their early twenty S. You know these and of course San Francisco, it's all tech And there's a lot of anger towards the tech invaders but I have a lot of empathy and. Real concern for them because first of all, most of them are working sixty seventy hours a week. They have no job security. There would never use the the phrase exploited workers to describe themselves but are blanche you are but I think also back then and especially in San Francisco it was still Kinda Hippie dippy. And it was very counterculture. It was very communal. And everybody was kind of expected and really encouraged to contribute in some way. You didn't necessarily have to be all that good at what you did, but you needed to do something whether it was a drag show or video or film or A. Poetry contest or something there was A. There was a real nurturing of people's creative pulses and a lot of support for there was so many places I knew where if I was hungry I just show up and there would be every night. There would be a communal potluck dinner. There were probably six or seven of those households within a few blocks of where I was living on Castro Street. So I never went hungry.
Bitcoin Dominance Is Back
"Ten rotten now bitcoin up. Will we close above twelve thousand eight minutes suggests that possibly not as we are at eleven thousand, nine hundred. and Seventeen dollars. That's right. We did tap at twelve thousand and there is some resistance at twelve thousand had way basically pulled back from that twelve thousand mark. Bicycling high of nearly twelve, thousand, sixty, three pulled back. It's a NAS looking Candida this trend looks superb I love another day to push up through twelve thousand and ready set sail full summa. They got look at the end of the day. We could pull back from here. This resistance I wouldn't be surprised to see a pullback from He. Also being pretty much smoked Ratna bitcoins dominance has increased significantly. One of the big bitcoin dominance moves that I've seen in a long time up one point five percent. Now, that's significant because he actually look at this shot, there's not very many big moves in there as a matter of fact, the shot that I'm looking at here, the biggest move is three percent and that was back twenty seven. Th of July we've got high allies building up into that level Bruce Resistance broken Bam a good push Now's ahead of this. You're ahead of this if you've been listening and following and that's why. Ninety percent of my portfolio is in Bitcoin I I've been watching this setting myself up like this and on pretty happy right now, sixty one point six full percent although market cap is in bitcoins hands too. So you are aware and it's gaining momentum onto a theory will down eleven two point eight percent sitting at three sixty, eight, nine, three, we gotta get up through that three ninety, five region go push up three or four hundred. A two-point upset down mix up paid at one percent rotten out twenty four point three cents nothing for me to be trading. It's pretty ugly bitcoin cash to two hundred and forty dollars. Ninety five cents. It's down three point six, six percent rotten now and dom. Yeah. That trend look. It's something quite as national the daily anymore it was it was looking superb until well. It wasn't last night. Lot Clinton's at forty, six dollars ninety cents down two point three, three percent wrought now, and the dying shot just doesn't look very active. We need to be above fifty dollars for lot couldn't have any chance of momentum continuing on through in when need to get about fifty to really fifty, one, fifty, fifty, two dollars when they're all off because we're at forty, six ninety. V again, flat nothing ready to speak of at one fifty seven, twenty nonsense. It's down one point six, nine percent. It's an ugly looking job. Let's be strike. The trend that was looking very nice there on Donna just yesterday has now gone ahead and said, no, I'm not Nice I. Am the Ugly Duckling Down five point eight percent on. Todd Donna. It really just filed push through it above ten cents still ten point two cents will uphold. We'll have to wait and see. Bonnet was also three point seven, nine percent minutes shine as I got stopped at and that's my third stop-loss. Sorry. My third losing trade in a right this is the two weeks and it's something to consider. Losing a Austin have three losing trades in Iraq. Especially when I'm so selective as have been recently I'm going to go to improperly reduced risk a little bit as the market you know the tribes have been really good but the market has an helps out and we send gone through a transitional period of feels very much like two thousand, seventeen old touch on the minute twenty, nine, hundred, seventy, nine cents on bonnet down three point seven, nine percent sideways it is down to die but the market itself. Saw Wise toodle fifty two in the biggest move on the top ten it's a red one. It's down nine point nine percents link yet it filed ten dollars. We are nine dollars and eighty three cents. So what does this look like to me? What am I doing with this well? I. Position Myself already to be more in bitcoin anything else I was at one stage heavily in Alz on well from that and then I moved back to bitcoin not too long guy I can share that with you on this podcast.
Do I have to sell as a SAAS?
"Hi Chris. This is Diana from Columbus and I've been listening to the show since episode number one. I'm starting an online service and I'm wondering about my pricing as you probably know over the past few years, the SASS model software as a service has become increasingly common where the pricing is always monthly or annually instead of just paying a one time fee but I'm put off by the idea of forcing people to get another subscription. It seems like it's Harder to convince people to commit to that. Instead of paying a one time fee don't get me wrong. I like the idea of recurring revenue. I just think that maybe I should go the other way when everyone else seems to be doing the same thing what are your thoughts on this thanks Chris and I look forward to hearing what you have to say. Hey Diana thank you so much and congratulations on your new service. Look forward to hearing more about that, and this is a great question because anybody who is starting a service and online service. Especially Service, it's not just one off. It's something that people will continue to access. This is something that they're facing. How do I decide about my pricing and so to your point to Diana's point of where she says, you know maybe I should go the other way when everyone else seems to be doing the same thing. So overall, a big fan of that philosophy. I think there's a lot of things you can do in life by constantly asking okay. Everybody's doing this one thing what is Either the opposite or a third way something that people are missing etcetera. But I would say when you're thinking about your online service, like keep in mind why so many companies do this like why do they price that way? Because it works it allows them to be less dependent on the sales of any particular period like if you got a down month while you still have this money coming in from customers who signed up long ago, I, it allows them to forecast revenue far into the future it allows them to pay for upgrades features, and for customer support I think that's one of their main arguments, lot of these companies while we have to actually support this software. So we might actually losing money on someone who pays once, but then requires a lot of support, for example. So for a lot of businesses pricing on some kind of recurring basis whether it's monthly or annually like I mentioned, sometimes there's an option for either you can get a discount if you pay annually that very often good decision. But of course, let's be fair. That's not what she's wondering. She's wondering is it the only way and my answer to that is no of course not like you know if you want to sell your service with a one off fee. You could argue that might actually be attractive to potential customers who are just like she says, you know tired of all the subscriptions, I totally get it. So this is not a perfect analogy but whenever I'm looking at the APP store on my phone, I see different games available on thinking Oh maybe I'll try out this game. One thing that I'm really put off by is all of the in-app purchases and so many games these days are like. One dollar two dollars to buy the game or maybe it's even free but you're going to be bombarded with all these requests for in-app purchases. I would much rather finding game. That's you know ten dollars or twenty dollars pay wants and not have to deal with that in APP purchase thing. Okay. So as I said, not a perfect analogy, but there definitely would be people who are attracted to the idea of. Just be aware of all the benefits of the SAS model. So lots of compelling reasons to use that model, but there is certainly no requirement to do. So you always gotta do works for you.
"Deal was missed. Can tell much We'll start with the white naught a great deal from what I could say anyway. I mean look we've continue to hold above ten thousand have done for a number of affiliate long duration of Tom now, and then we just console consolidating again. The? It's a talk Solo. Bash towing yesterday. We dig it to a high of. Ten thousand nine, hundred, sixty three. But then we sold off most that selling off came into the clothes and it was by saver. Better our you know we had a one hour candle, the closed down one and a half percent. which was you know? What was the that was down hundred sixty eight Dole's boarding bottoming out at about two hundred sixty. Very quick. Move. Damn and now we're starting to bounce back a little bit but the market doesn't little bit conscious. Doesn't look it doesn't look steady at was looking steady until at fulltime holding up around that tonight five but it could just be able to shop for a while until it works itself Atm Cost Ten or eleven thousand, two, hundred level that I'm really Kane on saying disappear. That is underneath frost I wanNA. See us go will above that and fly on high above and beyond above and beyond rotten now ten, thousand, six, hundred, twenty full. He's on the open all the next candle. Yesterday we call his down one point five percent last week's candle by the way will also looking quite positive. Yesterday with the theory of it goes down as well. One percent down close at three, fifty, three to three, fifty, four, fifty and I'm you know a guy that that real quick cell? Medically, it was really really awesome. Fortunately for theory of sorry unfortunately for me if they didn't end up giving that'll charity tried. It was looking good not to our and then it just went. Fell, quite quickly into the close like I said, three fifty, full you WanNa. Accept Player that well closing the day down really was down one percent in that quick sell-off as thing every closed down. They were all looking a roughly around Brookhaven with slightly off on the dykes pay twenty four point two cents not much to look at. When they come across to Bitcoin cash, it is one that still looks good. Not Four out of four has a wonderful little Cannell in that cradles on yesterday closing down. One point six, three percent. So we up half of a Senate turned twenty, six dollars and eighty. We'll be keeping a very close eye on that in the next few hours as little bullish candle light coin also looking still pretty average in our. It didn't do much loss wake. You didn't do much weight before. It's been a dead dog at the moment Dan one point nine percent yesterday closing forty five dollars and twenty three cents on a roughly about their nothing on the four hour of interest. In the crowd all not four out. Beautiful Pullback Day looks quite spooky. Indeed I do not mind look of that shot. We are one, sixty I spot nine, seven yesterday closing down the die one point, six percent gain just a small dead nothing major there but it's a bouncing back a little bit with the start of the new trading day. COD is at ten cents on the noise holding its ground little bullish channel sign a full. On the floor outshot having a very strong wake loss weight, cod. Donna. Last week bottomed out pretty zone out third saying Sammy's as I say only. It is quite a good move higher. My my point suppose is it a comeback from a third of the downside link having a very, very strong ron into the close loss weight right now. We are at ten cents like I said. By. A cat yesterday was up two point nine percent held. Its grand did move did put guys on. Rotten now I'm watching this on two hour as we have a village candle back in that cradles on good seclusive the on this child as well, and it could provide a little bullish candle to come left to white and see what we get. But it's twenty seven dollars in six inches of half a percent today obviously has said up trip when I present yesterday. Yesterday was also down has been pretty average trading for a long time. Now, down one percent yesterday counterpoint to will percent sitting at two dollars and fifty six cents nothing to try their and finally link ranting at that top ten. Big Push up last week particular died twenty nine percent but since then it hasn't done a great deal. just sort of hung around but at the higher end of that moves so it's it's looking good. As far as that goes consolidating at the moment standpoint, one of a percent at ten doubles and twenty seven cents I guess the positive there is today's above ten dollars. Go
What's Next For Metal Gear Solid
"Series is hitting P. C.. J.. Gabe at Gamespot, the military series is hitting. Via Gog. Konami has announced previously only a select few games in the franchise were available outside of consoles the. Games hitting the service either MELA gear bill you're solid and bill your saw to substance were already to in. Taiwan, prior to the official announcement. Malaysia solid and substance actually had come to before and your saw five was also released four PC. But this should give those who never played playstation or xbox a chance to experience more of the Franchise Miller you're solid for to the Patriots remains a PS three exclusive. The new offerings don't seem to have any enhancements and you're getting the original metal gear solid rather than the Gamecube remake which I personally prefer I prefer the original not necessarily the game remains what I'm saying substance dot clear. Yeah. Substance does feature has an extra content not found mill solitudes original release. Releasing as the as collector's series, also be able to get five Castle Dania N. Contra. Games. Including Super See Dracula's curse and Simon's quest these games originally released on the s along with the series along with the Melody Games. The total cost for all titles is thirty two dollars. Tim is very exciting stuff for people who WanNa play these Games on. My one question is, when are we ever going to get your solid for? That's the thing anywhere else anywhere besides the playstation three it's bizarre. I am utterly shocked like back for all the young ones out there which is crazy at this point like even that era, there's probably of people listening to this right now that don't know what I'm referring to but when melanie solid four came out, it was the mean game of when's IT GONNA come to three sixty and it's like, oh, man, how many disc? On. Like nine there was like photoshop shops like xbox three, sixty cases with like that stick. With metal gear solid four on ten million discs But the fact of the actually never came out on another console is really weird and I think a lot of it has to do with the whole Kojima. Konami situation that went down around MCS five, but even then the fact that four wasn't. Like ported at some point. Di Around. With the architecture of the game because I know the game was advertised as a PS. Four game or a PS three game, it was kind of synonymous with. The launch of that console envier to some extent feels very built into like when you're transitioning from chapter to chapter, I remember getting the loading screen of. Solid Snake Smoking, the cigar and you. Believe. There are like tips in there to be like, Hey, you know take a break like the which took awhile. This. Going to take awhile I. Hey, you know relax take a break between sessions all that stuff that stuff seem. Very built into like the PS three system as far as at least like how this stuff look like it looked like a PS three like installation screen as opposed to just an in game thing. So I wonder if there's something about that game in particular that it's tough to port.
Inside the BLAST Restructure
"Blasts saying corona has hit our bank account a little bit. We gotTA restructure this if we want to really make it beneficial for the long haul. So what they're doing is moving forward, they will be increasing the participation fees paid two teams and reducing the prize money again. The I feel like this was kind of lost in the tweet because their initial tweet didn't really explain very well, the total sum paid by blast will remain identical. Okay. So I think that's important at the end of the day to realize that however the kicker here. Is the players aren't necessarily seeing that payout for participation. They see a lot of times in their contracts, the prize money. So you're taking away prize money to give it to direct payout to the ORG which you're like okay. Well, what's the big deal? It's all going to the same place not necessarily because pending on your contract pending on the Org again they only give you your pay right they give you what you agreed for on a payment and the prize money. So the double whammy here is that they failed to consult the counter. Strike Professional Players Association the CS. On this manner question for you why do they have to do that? That's a very good question which I'm glad you brought it up because I always every time this comes up in the world of counterstrike with. Like the CS PPA. Up We were not consulted about this we will be speaking with them behind closed doors blah blah, blah no one here heard about this at what point do they? Do you think they call an emergency meeting and say guys do people even know were around? Like do they like and I've said this before I feel like they have lost their own way whereas before it came out, it was, hey, we wanna look out what's best for the players while also working with tournament organizers and or gigs. To figure out what's best for like the system right now while then it's kind of turned into well, no, we feel like it should just be this way and we're going to create our own rankings because we don't like the way they do it You know things like that. I? Guess. You know perfect player union world. Yes. You would consult the players if you're going to change the payout. However if they didn't need you to start it, why would they consult you to change it? I'm probably GONNA take like a approach on this that if any players listening, I apologize ahead of time but like in a way what Henry g did by releasing the salary information I, say Henry Cloud Nine as the cloud nine decision right team decision to release salary? Information. Like you're not gonNA get a ton of sympathy from me at least when it comes to a little bit more money going into the owners pockets because what I see like again, this is one hundred percent my point of view I. don't even know if you agree with this what? I what I see in counterstrike right now is a game that is getting to this Odd Breaking Point doesn't mean the game's going to go away or die or nothing like that. I'm just saying it's at a point where. There's just this top end were just really top heavy in the fall off to me is is fairly massive when it comes to the landscape or the overall ecosystem of counterstrike, we're not seeing a ton of new teams invest into counterstrike. We've talked to team owners that have said it's a bad investment other than getting your name out there like if you're willing if you're willing to put in the money to be one of the top five. Great, it's good recognition by kind of beyond that. We see several team owners taking cheaper. Pats just to stay. Around in counter strike, but not necessarily the compete at the highest level because they know. To do that, it's millions of dollars in now we see a contract for the first time right now I know that includes Alex is a buyout but let's just say he's he's making around three four hundred K. annually off of this contract. Plus a buy out fee and then he's getting prize money from the six hundred events that go on throughout the year. Right? It's not like blast has. One. Event there multiple events in including one pretty much. Every weekend at this point, right weather's blast or star ladder ESL or face it. There's an event. Every single weekend at this point players are making really good money. Now I know there's a saying like, well, it's never enough right like you should be able to get whatever you're able to will. This was an opportunity for the elders in blast toward together in make making a little bit more beneficial for the ORG is. A huge problem in that. If they didn't consult with them. It's because they chose not to you know they didn't WanNa do it like we know you guys are making a ton of money. We need ours. Also a blast is still paying out the same amount, but I do feel for ownership groups right now in counterstrike because it is so outrageously expensive ended it's taken away from us a little bit in my mind because of how inflated the cost of Gone We've seen. Teams completely just wipe themselves out of counterstrike together we saw cloud nine one of the biggest stories take two year hiatus essentially from the game because they didn't want to compete at a high level. That's what it came down to. Right. They have the money the one of the most valuable orange but chose not to spend. Yeah. In put all their resources into counterstrike instead don't have two dollar and team cloud nine the just enough to stay relevant. That's it. They did the again that we've seen several teams do let's keep our name in the game refloating around right. If his top thirty we'RE STILL ON HDTV, we're still going to be in a handful of events 'cause re cloud nine a but at the end of the day, they didn't see it worthwhile to invest in the counter strike again, they're coming back now but that's after they have two dollar and teams in they're probably saying good success in other areas. Yeah. Ah Let. Me Tell you where I have a problem with because ultimately I think I leaned closer to you. My problem is not that they didn't consult with the Players Association. 'cause consulting means a conversation. Right? My problem is if there was no heads up given because it's not like this is in the off season of blast there in the middle of the event, right? They are still in the tournament mode four like the main blast that will eventually lead to like their big major, right For blast. That's where I have the issue because if you're if you're changing the prize pool mid tournament and not giving them a heads up I. Understand the reason. Obviously. We don't know all the numbers, but all we constantly hear about. How you know the tournament organizers make barely any money and the owners encounter strike especially, pretty much lose money. Right. Having a counter strike team. And yet. Always see from these players are Gucci watches you know Yeezy. Right like they're doing pretty okay. Not Every player I understand that. But for the most part, they're doing pretty okay with their salaries. Heard. From counterstrike pros saying that they won't go to events unless they're staying five star hotels for the most part like the best of the best tower tournament organizers where the. Name anything here but there's a place will say locally where I'm not even kidding you next door, there is a walkway, a covered walkway that leads from the hotel to the place where they were having the event and the players didn't want to stay at the hotel because it wasn't nice enough and this hotel is a Sheridan. It wasn't like a king to know knock on. Lucina. It's a shared. Sakes. Like. Four Star Hotel Four Seasons or anything but. Still pretty good and they wouldn't do it. So then the tournament organizers had to switch the hotel, right? The players went there and said, nope, this isn't up to our standards then switched the hotels and everything here like don't get it twisted. And it's actress counterstrike I'd say most East sports athletes. For being guys that like have very minimum requirements to get by in life like I've seen your room behind your Webcam right we know how some of these guys live they have very high standards when it comes to like pampering them. So No, I think for blast to take a conscious stand and be like we can't survive doing this. Let me ask the players this would you rather have more prize money? Or. Would you rather have? Would you rather have more prize money and blast fold after this because they can't afford To recoup or would you rather have? A reputable event. In blast payout a little less give your or more money to hopefully that will come back to you in some way and then being able to continue because right now that's the only option you have chances are that money is not going back to them in some way though right like. Chances are the orange will pocket money or use it for their expenses that even if? Up The fridge some you out. You know we upgrade the stream room for you guys our facilitation. Pull a microphone get you that private jet.
Today Cryptotraders Could Be Busy
"Tonight's looking good today is looking good bitcoin play the game yesterday it pushed onto another daily high pushed higher trendies day we grinding why? Grind Grind Grind, is what we? Currently. Doing and look I tell you what? It's It really does look could. Let me visit numbers? We got two, thousand, one, hundred, seventeen, all thereabouts thereabouts that he's effectively a A point of resistance that was a support level that I raised my orders to buy Bitcoin It's come back up towards it tapped on. Yesterday, it just tapped a little tap tap tap. TAP. Aroo. And now. I'd love to say that level guy we get through that level and we stopped to get a lot more going on a lot more interest and bitcoin will the news that's coming at continues to be stronger and stronger and stronger we currently from those lives that we saw. In the full which happened to be nine eight to one way up twelve point, two, five percent from those lows. So the last three days have been pretty pretty conscious nothing major nothing major but let's get back to I. Think it was Monday Monday. Will we all right now we're up nearly seven percent. Or thirty seven percent thus far actually the best way to do that it's just a little weekly six point six percent the guy. And this off the weekly. So I just gotTa plant in the minute now, willy pushed through today will we see bitcoin pulled back a little bit and give us that or low on the high timeframes twelve-hour will the daily before we go through? That's the probability that I'm waiting to save plays at a couple of tries came out yesterday that was one on that was one K B while. X which is perpetual. Okay. B. p. e. By Doing the thing that look right now you know. BITCOIN's momentum guards at starting to look a little bit dangerous. He smashes through that resistance plays going the whole of the top ten is lit up wrought now and looks superb arts bitcoin eleven thousand and thirteen dollars a half percent to die look yesterday. Let's not forget what Adidas I did go all the way out one point six percent closing at ten, thousand, nine, hundred, fifty, five, loy eleven, thousand theorems pretty a pretty good. Push out of the Guy Fawkes up three point seven six. Now, we're only one hour into the trading day and the three seventy nine, point six, three yesterday was flat and do anything except pay another one stop it's pushed hard full percent at twenty five point, six cents we sitting at right now starting to see that momentum increase once again, mole bullishness coming across these top ten bitcoin cash yesterday was damn point three percent today currently up two percent to thirty fuss what seven zero locking up three percent today. Yesterday. It was down one point one percent. It's at forty nine dollars and twenty three cents vase at one point four, three percents still one of the most ugly shots in the top ten. The, right. No data bats up one point four percent at one, sixty, five, forty, four. Donna closing in at ten sent me was down yesterday was only down one point seven percent today so far up two point, five percent bonds had bullish cattle in the cradle dot closing. It's broken the high of that now that doesn't mean tried to vital to me right now. It just means it's done something. It's I didn't get along on that tried to it because it wasn't there. There was low a high hall I don't play that game. Ply The guy, a tried trend. The trend wasn't set. We currently twenty dollars twenty one, one, point, nine percent on the day. Saifi ails would. Up One point two percent rejected the lows yesterday at one stage the law two, dollars fifty, seven, a closet toodle seventy one, point three, it's up two percent of the minute. Two hundred seventy six is what you WANNA theory else full length is up three point five, six percent off the being down one point out yesterday we are eleven and twelve cents holding again above that ten dollars, he's a story of the day thus far. Off Donald, my scans Adema scans across the markets that I like to try. On the full list full scan, it's Now seeing green lit up everywhere at the moment really really is a positive looking stopped to the dialogue full of so other continues to kick on. But if you look at the daily shots, there is a potential for lot of these dialing shots to have a high low in a bitcoins already continued movie it's dominated. than any of the others as far as moving. Hi, this way cerium look give if we can get above three ninety point seven, one, the high blood of high lows, but they'll be. Then we'll have an uptrend
Joe Rogan's next guest?
"Yes. The next Gaston Joe Rogan could be the current president of the United States, Donald Trump, and the man who wants to be the next one Joe Biden in a tweet trump welcomes the idea of a four hour debate with Rogan in his studio. He doesn't mention the presence of we'd go. spotify has gene cheat to oversee podcast deals for the company. She comes from paramount pictures, podcast deals like the one given to Joe Rogan made the stock value in spotify jump by more than fifty percent. Advertising, podcasts more than double Z. money according to new data pod sites giving an average return of two dollars. Forty two for every dollar spent anchor says it's cracking down on stolen podcasts after news broke a story last month that many top podcasts were being pirated on the service. The copycats might mean, Yano says found a workaround in anchors detection system according to the story we've reported a separate loophole to the company. Cabana at large podcast studio will be in the next striking digital podcast metrics report for the US. The companies have announced. Cabana has over one hundred and sixty five podcasts. podcast host art nineteen has an ounce more tools for podcast modernization including international sales, attribution tracking, and support for vast NPR got into podcasting because of a chance discussion in the staff canteen according to Eric Newsom who's written a piece. About the history of podcasting at the broadcaster Paul Page has added a voicemail feature to its podcast websites both free and paid listeners can leave voicemail, which is then sent to podcast hosts, Saas I a super APP for Africa that includes digital payments ride hailing instant messaging, and a WIFI finder has added podcasts to its service as well as listening to many different shows. It also acts as a podcast. Some indy shows earning five figure and you'll run rates on red circles says CEO Mike Cayden responding in Reddit Query Air Plug claims it's the UK's first PR agency focused solely on podcast promotion. They offer packages to launch and promote individuals shows, and the Australian podcast awards has announced their partners for twenty twenty where one of them and I am an organizer. AND INFOCOMM SKEWS on Oxford Road presents the divided states of media. Tomorrow is Katie Hertzog host of blocked and reported. I'm totally free. She says because I'm not dependent on a paycheck from anybody else our podcast is funded totally through Patriot. So we don't have corporate sponsors yet our funders or all fans of the show Nice if you can, and for the love of podcast has pop music editor James. Credit. That's me as a guest. The show promises trends, misconceptions, advice, and this aloof British accent
The Birth Of The Greenback
"Stacey next. Jacob Feldstein. Planet money author of money the true story of amid up during a new book. Say I. brought props for us to do the indicator. I say. That's been months. It's been. That guy's been honking hall eight months. I have props came over so I could give you these troughs. Okay. Go ahead and look at them. All right. Okay. So, this is like a really high quality xerox of an old piece of money. THREE DOLLAR BILL RE dollar bill that's really a real thing. There's like a a lady standing next to in like a ball gown standing next to a cow to I chose a cow to pander to you I do love a cow keep going. Okay. The Orange Bank It's orange because this from the orange. Bank and this is a one dollar bill. So Stacey, these are reproductions of real paper money that was printed by private banks in the United States in the eighteen forties and fifties. This is one of the most interesting periods I found in the history of money when I was working on my book, it's this moment when the United States government did not print money, there was in fact, no single national paper currency but if you wanted to. Open Up Stacey's Bank of New York and print your own paper money. You could. I don't know if I would trust that dollar from that. Was a real problem that was a real problem we'll get to that. I. Mean they were just so many different kinds of money at one point the Chicago Tribune counted eight, thousand, three, hundred, and seventy different kinds of paper money in America. This sounds very confusing for everyone involved this indicator from planet money. I'm Stacey Vanik Smith and Jacob. Goldstein can we make eight, thousand, three, hundred and seventy, the indicator? Yes. Today on the show. How can you even have that many kinds of money and also just what does it tell us about money works? Let's just go. Let's just go a block away to get away from the horn. Yeah. Support for NPR and the following message come from fund. fundraise fund makes it easy for anyone to invest in high quality real estate by building you a portfolio with their more than one billion dollars in assets get started at fundraise dot com slash indicator to have your first ninety days of advisory fees. Waived. This message comes from NPR sponsor. Microsoft teams. Now, there are more ways to be a team with Microsoft teams bring everyone together in a virtual room collaborate live on the same page and see up to forty nine people onscreen learn more at Microsoft Dot com slash teams. So can we should set the scene here Jacob the nineteenth century America lots of is apparently also this was the era when gold and silver were money and Jacob say in the book that the government minted gold and silver coins, but it did not make paper money at that time. The exactly right. So the only paper money in America was printed by all of these different. Private banks people called paper money in fact banknotes, right. So they thought of it as like a piece of paper from a bank and they thought of paper money in particular as like a receipt or a coach ticket as as a thing that you could substitute for gold and silver, and in fact, if you look at at the bills I gave you all have this kind of. Writing like just grab a different one for fun. So we can say what it looks like. Okay. This is the stoning ten bank, a two dollar bill. There's a way. Moby Dick or something Wail Bell we've cow Bill Wail Bill So okay. So now look at the cursive writing see the cursive they're just blowers is stoning to. Two dollars to the bear on demand right and if you look all these different bills are different colors, they have different pictures on them, but they all say that will pay how ever many dollars to the on demand and so the second interest. Yeah it's an Iou because the interesting thing is it's telling you the paper money is not the real money. Right? They're saying we will give you two dollars in gold and silver for this paper money right? So the real money in this world is the underlying gold or silver the paper is just like. The Standard. So this is a time in history when there's not federal bank, there's not a national bank. There's like thousands of of little local banks and I guess all these banks can issue their own money. That's right and it's kind of evolving in this period at the beginning of this ehre the eighteen thirties. If you wanted to open a bank, typically you had to go to your state legislature and get special approval. Basically, they had to pass a special law that would let you open your bank and this was problematic because I was super corrupt essentially. Bank and print money. Then you're gonNA bribe whoever you have to. Say all the knee. All due respect to get them to let you open your bank. Right. So around eighteen forty, a little earlier, this new idea became popular. The new idea was called free banking. And the idea of free banking was anybody who is willing to follow a few basic rules could. Take and start printing money and literally start printing money and you know not surprisingly a lot of people wanted to print money. This is how we get eight thousand different kinds of money. Yes. How do you know if the bill that someone's handing you is real money or if it's literally just a piece of paper from the First Bank of Stacey Vanik Smith which might be real money. I wouldn't. Maybe. Add bribed senator so I love this so there arose in response to this problem these special periodicals Magazines that were privately published called banknote reporters. And what they were was these lists in tiny font of every kind of money. So I actually have a reproduction here another prop from a page. This one was called. Thomson's Bank note. Reporter. K.. So the people who subscribe to this merchants people who need to accept money. So so let's just say I'm running a bar and I got my thompsons bank note reporter and I come in I need a drink who thirsty I'm thirsty. So okay. So the page of the bank note reporter I printed out is for Orange Bank. Okay. Okay. So have that bill right here it is and it's a one dollar bill. So I find Orange Bank here in my Bengal reporter and it says Okay Orange Bank listed different bills and says ones and under wants it describes what the bill is supposed to look like says to horses check. Hey, Cart Jack Blacksmith shop male portrait Jack Girl. Check. So it's at least plausibly real. The reporter also tells me something else that's important and that explains a lot about how many works at this time. Typically would tell me whether I should accept that paper money at full face vowed I can buy my dollar whiskey with this whether you can get your dollar whiskey because remember what we care about is whether I can turn in that paper money for gold or silver, and so if the bank is shaky or even if it's just really far away. You know the reporter might say, just knock five cents off the dollar give Stacey Ninety five cents worth of whiskey instead of a dollar that took a really long time to buy that we ski. It does seem like it would have been absurdly inconvenient right and for a long time when people look back at this period, the basic story of free banking was just that was a horrible idea like that many kinds of money right but. Much, later, like in the nineteen seventies. This generation of economic historians started going back and looking more closely. At the banks and how money works in this period and what they saw when they really went through the numbers was basically like it wasn't that bad Bankston go bus that often people didn't usually lose much money when they used. We're you overall they would lose like a few percent which is. Kind of like what you pay today. So when you take money out of the weird off Brand ATM at. The corner store. which I always do. Yeah, I. Mean. That's basically like the the bartenders giving you ninety cents for your dollar when you do that, right? So. Obviously, we do not have eight thousand different kinds of money now this ended and it ended after the civil war. Yeah was the civil war. So during the civil war, that old American argument of can we have national banks or not came up again and Congress passed a few important banking laws. One of them basically taxed all those thousands of kind of state banknotes out of existence, and then the other one created these new national banks that printed much more reliable, much more uniform paper money. It's interesting because I mean, this was obviously after the civil war was the time when the United States went from like a collection of. To One Country, and it seems like the same thing happened with currency maybe not a coincidence. Your I mean, there is this idea at least in the modern world money is part of what makes a country a country and I think you do see that happening at this moment in the united. States when we go from thousands of kinds of money toward one uniform kind of paper money I'm just sad we lost the cow bills. Because you know Jacob I have a fever and the cure. This story in like a whole bunch of other like believable stories like this are in your new book money. The true story of a made up thing. This episode of the indicator was produced by Nick. Fountain fact check by Britney Cronin, the indicators edited by Patty hearst and is a production
4 steps to ending extreme poverty
"We. Are Witness to monumental human progress. Over the past few decades expansion of the global marketplace has lifted a third of the world's population out of extreme poverty. Yet, we are also witnessing astounding failure. Our efforts to lift people up have left behind doors in the harshest forms of forty the ultra poor. What it means to be ultra poor goes beyond the monetary definition that we're all familiar with living on less than two dollars a day. It goes even beyond not having assets like livestock or land to be ultra poor means to be stripped of your dignity purpose and self worth it means living in isolation because you're a burden to your own community. It means being unable to imagine a better future for yourself and your family. By the end of two, thousand, nine, thousand, nine, hundred, about four, hundred, million people were living in ultra poverty worldwide. That's more than the populations of the United States and Canada combined. And when calamity strikes whether it's a pandemic, a natural disaster or a manmade crisis, these numbers spike astronomically higher. My Father Fuzzy Ahmed gave up a corporate career to establish BRAC here in Bangladesh in one thousand, nine, hundred, seventy, two Bangladesh was a wreck having just gone through a devastating cyclone followed by a brutal war for independence. Working with the poorest of the poor my father realized that poverty was more than the lack of income and assets. It was also a lack of hope. People were trapped in poverty because they felt their condition was immutable. Poverty to them was like the Sun and the moon something given to them by God. For Poverty Reduction programs to succeed, they would need to instill hope and self worth so that with the little sub support people could lift themselves out of poverty. Brat went onto to pioneer the graduation approach solution to ultra poverty that addresses both income poverty and the poverty of hold. The approach works primarily with women because women are the most affected by ultra poverty but also the ones most likely to pull themselves and their families out of it over a two year period, we essentially do for things. One we meet a woman's basic needs by giving her food or cash ensuring the minimum to survive. To, we move towards a decent livelihood 's by giving her an asset like livestock and training her to earn money from it three, retrain her to save budget and invest our new wealth and four we helped to integrate are socially I into groups of women like her and then into her community. Each of these elements is key to the success of the others. The real magic is the hope and sense of possibility they women develop the close mentorship they receive. Let. Me Tell you about jury. Jury was born in a remote village in northern Bangladesh. She never went to school and at the age of fifteen, she was married off to an abusive husband. He eventually abandoned her leaving her with no income and two children who are not in school and were severely malnourished with no one to turn to for help she had no hope. Join a joint brags graduation program in two, thousand and five. She received a dollar week to cowes enterprise training and the weekly visit from a mentor. She began to build her assets but most importantly, she began to imagine a better future for herself and her children. If you were to visit join us. Village today. You would find that she runs the largest general store in her area. She will proudly show you the land she bought and the house she built. Since we began this program in two thousand to two million Bangladeshi women have lifted themselves and their families out of ultra poverty. That's almost nine million people. The program which costs five hundred dollars per household runs for only two years but the impact goes well beyond that researchers at the London School of Economics found that even seven years after entering the program ninety, two percent of participants had maintained or increased their income assets and consumption.
Tesla's $5 billion share offering to be priced 'at the market'
"Today we are talking about Tesla's possible equity distribution of people have been calling the capital risk today and it may very well be, but we'll go into the details on that. Also, the implications that that may have four, S&P five hundred inclusion, and just a quick update on how that looks after the stock split, and then we have a been a news on model y out of Shanghai as well. So Tesla stock on the. News today was down four point, seven percent to four hundred and seventy, five dollars, five cents but a pretty steep drop from the after hours trading yesterday in the pre market trading today where tussle actually peaked around five hundred and forty dollars per share still though even with that drop today. TUSLA still up post split remember the split happened around four hundred and forty two dollars per share. I've gotten a lot of questions on why it would drop. Today I never know you know you can't you can't know for sure but it did drop on the news of the potential capillaries, which will obviously go into more detail on here. But many brokerages have seemed to have some issues with handling the stock split, which has made in some cases trading unavailable for some people. So there may have been a decent amount of shares locked up yesterday seems like a significant amount of that has been freed up. Today so many of those people in those circumstances may have decided to take some profit off the table after the run that we've seen the last couple of weeks, there's been some theorizing around the Internet that may be some of those brokerage issues were caused by naked short selling, which essentially means your selling a share short that you have not actually borrowed from anyone. You're just sort of creating your little share to sell to someone with the expectation. Being that if you would need to actually deliver that share at some point, you could go and borrow one. But the theory is that the split caused some problems for people in that position because of the need to deliver the four extra shares which has then resulted in some of the scrambling that has caused some of the share lockup for this period. Personally I am relatively skeptical of that theory the only reason that I really bring it up. Is because number one I've heard people having issues with their brokerages the last couple of days and number two to provide an example of things that may not necessarily be known. That could also influence the stock price rather than just the news of the equity distribution today are getting into the possible capital raise. Then I'm sure by now most people have heard that this morning tell disclose in a filing that they have entered into an agreement that will. Allow them to raise up to five billion dollars in cash through a follow on offering of Tesla stock. So that means Tesla can sell share of the market they keep the money for those shares and use that for their business purposes those shares if and when they are sold our newly issued shares. So that ends up increasing the outstanding share count deluding existing shareholders but for the exchange of the new cash coming into the business which can increase. The value of the company. Now in this case was particularly interesting is that normally when capital raises happen, follow on offerings happen there is a fixed price fixed number of shares. So company is going to say, okay, we're going to sell twenty million shares for one hundred dollars a share and raise two billion. That is not what Tesla is doing here. So this is an equity distribution agreement also known as an at the market follow on offering which means. That Tesla as the issue or can work with the banks that are helping facilitate the transaction ten for banks to decide based on the price that day if dessel wants to sell any of this offering all tesla spells this out very clearly in the filing saying quote, we will designate the maximum amount of common stock to be sold through the sales agents on a daily basis or otherwise as we sales agents agree and the minimum price per share. At which such common stock may be sold and quote. So Tesla could end up raising zero dollars from this. If they don't like the price that they're getting from the market that could also raise five billion or any amount in between and they to make this decision on daily basis or even more frequently as they say, they are if they agree to that with the banks facilitating this offering, Tesla just set the minimum price that they'll take and. If it doesn't hit it. Well, that's fine. Tesla doesn't need to raise capital them. Tussle highlights this point in the use of proceeds section. In the filing saying quote, we may issue and sell shares of common stock having aggregate sales proceeds up to five billion dollars from time to time because there is no minimum offering amount required as a condition to close this, offering the actual total public offering amount commissions and proceeds to us if any are not. To terminable at this time and quote as far as what Tesla would actually use any capital wrist four, they say quote, we currently intend to use the net proceeds from the offering to further strengthen our balance sheet as well as for general corporate purposes and quote. So personally I am thrilled with this Tesla now has the ability at any given point in time any single day to raise up to five billion dollars if the stock price surges in any. Particular Day for whatever reason Tesla can offer some shares opportunistically raise some money maybe they decide they wanNA raise a billion or two billion. They have that flexibility. The only real disadvantage of this kind of structure that you're not getting that fixed price you leave yourself vulnerable to a falling share price. So if you actually need the capital, sometimes those fixed prices can be better because you're assuring that you will get that capital, but if you don't need. It and you're just trying to raise opportunistically than this is a perfect structure. My point of view has mostly been that tussle doesn't really need to raise capital. They've got a lot of cash on hand and I think free cash flow is about to start to really ramp up is next few quarters. So even with the market cap being what it has been, I've basically been of the mind that if dessel feels like they need to raise the. Capital all support it, but it doesn't look to me like they need to. So I'm just as happy if they don't and this seems like a perfect middle ground, I liked the amount as well. Obviously could be anywhere between zero and five billion dollars. But even if it is maxed out at five billion and even if it's roughly around the share prices that were at today, let's say five hundred dollars a share. That's ten million new shares Tesla. After the split has about nine hundred and thirty one shares total outstanding. So that's about one percent dilution only that you're looking at to raise possibly five billion dollars even if you don't think Tesla needs capital Beth such small delusion having cash on hand as Tesla said, would improve the balance sheet that can go a long way in improving their credit ratings that can allow them to access cheaper debt there can be a lot of benefits of that cash. I wouldn't advocate for it, but they could use that to pay down some of their outstanding debt, cut those quarterly interest payments that we talked about last week, which would lead to tesla retaining more of their cash better profitability whether they just let that flow through all the way to the bottom line or reinvested elsewhere in the business.
Are Cell Phone Payment Plans Considered Debt?
"Brett is in Columbia South Carolina Hi Brent. Welcome to the Dave Ramsey show. Hey Dave Hey Rachel. Hey, what's up to my question for you today is me and my wife we've been working the baby steps. Baby step two, but we've come to a point now where we've got kind of a fork in the road it's basically, we're looking at our cell phone bill and we're wondering if we should go ahead and pay off our cell phones to lower our bill from about two sixty a month to one, ninety five or if we should take the six hundred and eighty dollars that it's GonNa take to pay that off to pay off another debt, which is six, hundred, ninety, two dollars. So, it's we're like, right they are added and I'm just like you know I see the financial advantages of lowering our monthly bill. But at the same time I'm like we can go ahead and knock out that debt and be out of it. Well, you got to pay it off this time time right? We're not gonNA keep the phone debt right? Right, right no. No, and actually as both for cell phone six, hundred, eighty, two dollars. That is the debt that we owe you know is is actually where my wife bought a new cell phone last year. Okay and she financed it through an outside company, the the six, hundred and eighty. That's that were kind of like paying. Views both of them are debts. Both of them are cell phones. And both of them are around six hundred and eighty dollars. Why would you just not pay both of them off? Well, that's what I'm asking is it's The cell phones that were paying through at and T.. It's part of our service contract and we're paying it through our service contracts and it's you finance moths at and T. Your wife financed her cell phone with one outside of at and T.. Correct. They're both debts. Okay. So you're saying it doesn't matter which one you pay off because in the end you're going to be paying off. One album anyway at the rate you're. Down you're probably GONNA, pay them both off this month. Aren't you? Doing anything that's not male band. been doing good. All right. Michigan now is that does that answer your question? Is that what you're wondering? Yeah I go I just didn't know. I figured. I, guess. Probably. Yeah. This is the this is the evil part of a t and T in verizon and so forth. Okay. When they finance your cellphone into your phone bill, you don't think of it as debt. Right yeah, and that's that's that's the great mystery of how they pulled pulled that wool over our eyes. It's soil debt. You still borrowed money as opposed to when I get a cell phone they're either giving me one because of the contract were on or I'm paying for it. Right. Then when I pick it up, one of the two it's going on you know we're we're paying for to mmediately. So we don't finance cellphones over on payments whether it is with the cell phone company or with an outside party, and it shouldn't you have. Then we're just going to get rid of that. They've changed over the past couple of years where it's like Kinda this like finagled thing within your bill, it is and it can be very, very confusing. So intentionally confusing hundred percent. Totally. To finance it, and they totally don't want you looking at the interest rate they totally don't want they just WanNa make it easy for you. Easy for it. That's what they want. Yeah beware of those people man I'm telling you just like anybody's GonNa make it easy. Yeah. That's problem.
3 Awesome Senior Savings Top Tips
"Well, what are the many benefits of being the father of five? Wonderful Beautiful Smart. Daughters yes. I. Have Five daughters is that they are very savvy when it comes to what's going on the Internet. And they tell me Oh dad you gotTA. Do this dad you've got gotta do that try this try that. And I'm thinking okay, enough's enough. You guys know everything. I. Don't know anything. But it's come to the point where. They were right in some cases. Of course, I don't tell them that hope that I listen to this podcast. But they turned me onto a couple of things that have really been a lifesaver for me and my wife. When it comes to running all over. Town trying to get this and trying to get that. And also I also assume that everybody knows about this stuff but me because I don't. I just don't read the Internet like the young people do. So they turn out to a few things. And don't worry I'm GonNa have this in the show notes down below. So you don't have to worry about that. I'll have links to these sites so that it's easy for you to just go on there and find out for yourself. But I can tell you it made my life so much more enjoyable. stress-free. Don't have to leave the house to go get different things. And saved a ton of money. So not endorsed by the way, I am not endorsing any of these services but I can tell you that I use them. So if you can try it out and see if it works for you. Let's start with the first one. If you've not heard that you can get your deliver your groceries delivered for free. Now a lot of the grocery stores will now deliver your groceries not only will they deliver them? They'll shop for them you go online. You tell them what you want I want nine bananas, three heads of Broccoli and five. Granny Smith apples in two gallons of milk. And they will have a shopper in the store. That will go get that, and in some cases, you can either pick it up. which I don't do or they delivered. And there are delivery services that do that for you. There's probably a dozen or so. Probably one of the biggest ones this. Again I didn't believe that this would work I didn't like the idea of this whole thing. People buy my groceries picking out my bananas or whatever may be but I was amazed when I tried it there's a fee for it I. think it's nine dollars and ninety nine cents a month or a hundred dollars for the whole year whatever. But you know how we go to the grocery store, the pharmacy or Costco or SAM's Club wherever. We go in there for four things we come out with forty, right Happens to me every time. So. Yes. I do pay ten dollars a month whatever it is for unlimited number of deliveries to my home. It's well worth it. It's saved me more than ten dollars a month. So instant card is one of the more popular ones I know there are some regional ones. There are some local ones I encourage you to use local if you can. It's always good to help out our local businesses. regional businesses but I'll put a link down below to the INSTA- cart. Website and you can check it out for yourself and see if it works for you. Now the other area that I want to help you save some money on is in pharmaceuticals or prescription drugs. It can I assume everybody knows this if I know what I assume everybody else does but He was talking to a client yesterday. These people are extremely wealthy. And I thought they knew about this stuff they didn't know about INSTA- car first of all the lady was absolutely amazed about heart. She said, really, how can I sign up I center link instantly she signed up instantly and I think today she's already got a delivery come to her house This is very important because this woman. She's sixty six years old. She's extremely mobile capable. Every sharp lady however, her husband has a very serious the. Diagnosis ends in a wheelchair. So you know for her to go to the grocery store by herself. Leave him alone is a problem obviously for her to bring her husband is also a problem whether he just sits in the car or not. Can you imagine what she has to go through every time if she needs a gallon milk or runs out of paper towels? To nightmare, she was amazed about what instagram would do. But she also didn't know. About some of the pharmaceutical savings that I showed her. Now her husband again, I'll use him in particular. He takes medication that seventeen hundred and twenty two dollars a month. With insurance. Data very rare drug. Mentioned he's got a very serious condition. Chronic. Of course, there's no generic substitution for it at Seventeen, hundred, twenty, two dollars a month. And they have Medicare and again, these people are extremely wealthy. Seventeen hundred dollars isn't a big deal for them. However, everybody wants to save some money. So. What I said to her was. Let me do some research for you. Let me find out who makes that drug. Thought out who makes the drug shirt off to that drug manufacturers website and as a coupon. For the next ninety days, he could get a ninety day supply of medication for thirty dollars. Ninety days for thirty dollars. Had I not done that she would have gone to the pharmacy and paid seventeen hundred and twenty two dollars and forty three cents. Amazing she was absolutely stunned now this manufacturer's website by the way. Some of them are income based. In some cases if your income is low enough, you just tell them your income is whatever it may. You may qualify to get the medication for free. But in this case, it didn't ask for any income questions and again, these people are very wealthy. And she was just amazed. Ninety Day supply for thirty dollars. She was very, very happy. Somebody gives you the names of a couple of. Opportunity To. Save. If you haven't heard of good Rx DOT com. I don't know why I use it. I was a skeptic at first used it. Love it, recommend it to all my clients. I have a stack of good Rx cards in my office and you don't need one. I handed out everybody that comes in you go to the doctor's offices they also hand out modest you probably see their yellow and white. Terrific, program. I don't know how they make their money, but I can tell
3 Awesome Senior Savings Top Tips
"Well, what are the many benefits of being the father of five? Wonderful Beautiful Smart. Daughters yes. I. Have Five daughters is that they are very savvy when it comes to what's going on the Internet. And they tell me Oh dad you gotTA. Do this dad you've got gotta do that try this try that. And I'm thinking okay, enough's enough. You guys know everything. I. Don't know anything. But it's come to the point where. They were right in some cases. Of course, I don't tell them that hope that I listen to this podcast. But they turned me onto a couple of things that have really been a lifesaver for me and my wife. When it comes to running all over. Town trying to get this and trying to get that. And also I also assume that everybody knows about this stuff but me because I don't. I just don't read the Internet like the young people do. So they turn out to a few things. And don't worry I'm GonNa have this in the show notes down below. So you don't have to worry about that. I'll have links to these sites so that it's easy for you to just go on there and find out for yourself. But I can tell you it made my life so much more enjoyable. stress-free. Don't have to leave the house to go get different things. And saved a ton of money. So not endorsed by the way, I am not endorsing any of these services but I can tell you that I use them. So if you can try it out and see if it works for you. Let's start with the first one. If you've not heard that you can get your deliver your groceries delivered for free. Now a lot of the grocery stores will now deliver your groceries not only will they deliver them? They'll shop for them you go online. You tell them what you want I want nine bananas, three heads of Broccoli and five. Granny Smith apples in two gallons of milk. And they will have a shopper in the store. That will go get that, and in some cases, you can either pick it up. which I don't do or they delivered. And there are delivery services that do that for you. There's probably a dozen or so. Probably one of the biggest ones this. Again I didn't believe that this would work I didn't like the idea of this whole thing. People buy my groceries picking out my bananas or whatever may be but I was amazed when I tried it there's a fee for it I. think it's nine dollars and ninety nine cents a month or a hundred dollars for the whole year whatever. But you know how we go to the grocery store, the pharmacy or Costco or SAM's Club wherever. We go in there for four things we come out with forty, right Happens to me every time. So. Yes. I do pay ten dollars a month whatever it is for unlimited number of deliveries to my home. It's well worth it. It's saved me more than ten dollars a month. So instant card is one of the more popular ones I know there are some regional ones. There are some local ones I encourage you to use local if you can. It's always good to help out our local businesses. regional businesses but I'll put a link down below to the INSTA- cart. Website and you can check it out for yourself and see if it works for you. Now the other area that I want to help you save some money on is in pharmaceuticals or prescription drugs. It can I assume everybody knows this if I know what I assume everybody else does but He was talking to a client yesterday. These people are extremely wealthy. And I thought they knew about this stuff they didn't know about INSTA- car first of all the lady was absolutely amazed about heart. She said, really, how can I sign up I center link instantly she signed up instantly and I think today she's already got a delivery come to her house This is very important because this woman. She's sixty six years old. She's extremely mobile capable. Every sharp lady however, her husband has a very serious the. Diagnosis ends in a wheelchair. So you know for her to go to the grocery store by herself. Leave him alone is a problem obviously for her to bring her husband is also a problem whether he just sits in the car or not. Can you imagine what she has to go through every time if she needs a gallon milk or runs out of paper towels? To nightmare, she was amazed about what instagram would do. But she also didn't know. About some of the pharmaceutical savings that I showed her. Now her husband again, I'll use him in particular. He takes medication that seventeen hundred and twenty two dollars a month. With insurance. Data very rare drug. Mentioned he's got a very serious condition. Chronic. Of course, there's no generic substitution for it at Seventeen, hundred, twenty, two dollars a month. And they have Medicare and again, these people are extremely wealthy. Seventeen hundred dollars isn't a big deal for them. However, everybody wants to save some money. So. What I said to her was. Let me do some research for you. Let me find out who makes that drug. Thought out who makes the drug shirt off to that drug manufacturers website and as a coupon. For the next ninety days, he could get a ninety day supply of medication for thirty dollars. Ninety days for thirty dollars. Had I not done that she would have gone to the pharmacy and paid seventeen hundred and twenty two dollars and forty three cents. Amazing she was absolutely stunned now this manufacturer's website by the way. Some of them are income based. In some cases if your income is low enough, you just tell them your income is whatever it may. You may qualify to get the medication for free. But in this case, it didn't ask for any income questions and again, these people are very wealthy. And she was just amazed. Ninety Day supply for thirty dollars. She was very, very happy.
Is Bitcoin Heading To $10,000?
"With back to you know we still get a higher loan bitcoin. Looks Good Pulled back ten thousand would be splendid. Love to see it. It will just. Translate to higher lot way bravely breathing. that. You know the question that what someone got very well said to me. When I sit on a remember what the exact question though I also Irrelevant but the answer was will debry of breath out. And of course, the answer is you do both right and that's what markets do they breathing they breathe out. Now. This is what we're saying here. They breed in up up up up the breath out they breathe in the pop-up they breathe out. That's what they do. So. Is there a concern none? What are we got up pullback? Am I saying great trading conditions? Not a great deal night. If I do say them I think tomorrow if we get a small bullish candle. To Morrow think that's going to be. Nothing we're going to see lot of opportunity at the it's the it's a twelve hour and the daily with my focus is at. Bitcoins at eleven thousand, seven, hundred, and thirty I down two percent. Theorem six, six once bounced four hundred is down full percent. Except pays down four and a half percent twenty, eight point nine struggling with that thirty cents once again bitcoin cat below three hundred to ninety two, fifty, five deaths three point six percent lot twenty, sixty, one dollars ninety one cents down a half. Base vague to a six down five cal Donna twelve point nine down five and a half botanist onto two point nine at twenty two dollars thirty, six cents. A US down six point six, three dollars study foreign link flat sixteen dollars eighteen very sure little talk the about the top ten. Why will there's not much more detail to give you? Am I looking for shorts? No. I'm looking for longs. No. What am I doing I'm whitening. Okay. The market right now is in a pullback phase is this pool by going to be a lodge pullback by on a weekly? We're GONNA about the ten thousand. We're GONNA get. Where are we going to? I don't know I do not know. What I can say Is. It. This is all very much part of the plan. If we GONNA pull back ten thousand and that weekly comes into that Area. I, say that it's extraordinarily bullish because it's like starting your engines. You know it comes back you know. It it's like I used to be summarized to compete in swimming. Now when you go to a swimming event. It's it's grueling. You know you tend to go. Well, what's My pet events MoD pet event was a fifty in hotter Mehta sprints, freestyle, and butterfly. Yet Butterfly worst start ever was my best struck ever wanted absolute shock. That was body. Would you do that to me? Anyway. You if you'll forced if you'll mate, you've got and I try and spice it and things at once for certain. Types of. But if I was the guy from say. Doing the Honda made about a fly get out of the pool at a ten minute break, and then do the Honda made fray. Then the hunter made a freeze probably going to suffer I'm not going give it the same amount of energy exertion the I gave the Honda bottle. Or by strikes are extraordinarily physical. Specially Butterfly. So that's what I mean. By the further we go up, it can become less good. To have that break in the middle to have that NAS claimed pull the very predictable. Okay. Great. Yet, this trend is looking fantastic and then to sit push on, is GonNa have that follow through of course, that's a repulsive for me. Now I'm not suggesting that we're GONNA get there at this stage. I haven't seen any confirmation of anything other than as a trend with a bit of divergence on many of these jobs especially bitcoin. So it's about why saying what we get over the next two tomorrow is GonNa be well, the next twenty, four hours from closing his right now is going to be interesting. Cannell could make. You know sorry could create many opportunities It's certainly getting there. We'll have to wait and
How To Run A Bowling Alley-Arcade-Restaurant-Bar In The Middle Of A Pandemic
"Would be even harder than just running a restaurant. Come on. Running a restaurant there was also an arcade was also a bullet. Right. There you can't the business involved a bunch of people touching stuff. Really. Yeah, and sharing shoes, right har you disappeared shoes, right so many questions. Well, the good news is today we have guests. Could. Speak exactly that because among other things he has co founded a bowling alley. Bar. And Love, I have so many questions about the bowling alley of model before or even before I should say the corona virus hit. So I'm looking forward to this one. Where could I just say one more thing crazy or we bring guests not gone con- do you know that I want bolted to sixty three? Strike. As effect. Pick Sur- it didn't happen not so nice. Say it a high school I otherwise I would have had fucking. Anyway a likely story trust. Numerous introduction today I'm very excited someone who he should have had it on a long time ago long even before virus finally getting on. Adamos AMAC. So as mention he's the CO founder of decades is a bowling alley arcade bar in restaurant in Lancaster Pennsylvania in is an economist. is the chief economist at work, which is an online freelancing platform. So kind of the perfect guest to talk about the macro of what a seeing the economy, but also in the micro of actually run or try to run a business. extraordinary. Time. Adam Ozanich. Thank you for joining us. Thanks for having US I. Guess you don't have to worry about disinfecting the shoes right now because I assume no one's volume. Bowling or they are willing they are bowling there socially distance bowling. What's that? So we have six lanes at decades, and this means that you can bowl on every other lane and we always have a fairly small maximum group size anyway. So that's really concerning. Do you disinfect the bullying Balser. What happens are people like spraying antibacterial spray into the holes every time they come out yet we have disinfectant. We always disinfectant shoes in one of the things that. Might surprise people about how we're a little bit advantage coming into this is disinfecting was like a big part of what we did before. the PIN number saw we've always disinfected our shoes after every single us and we've actually had a throughout the business we have. Stations of hand sanitizer. They've always been there. We've got I love the five of them. Arcade. But we're pretty clean place. If you're just picturing like a regular bowling alley arcade, that's not a good imaging mind to hold what decades is like we're fairly upscale place. It's a commonplace where you'd be comfortable getting a cocktail and we've got chandeliers hanging out. Nice. Leather couches. It's like a nice. It's a nice place. You're totally comfortable buying a good cocktail. They're so like we work hard to keep it clean and make feel clean we always have. So disinfecting that we've been part of what we do the only thing sort of extra We now we disinfect the Arcade Games all day long and we disinfect bowling ball's all day long. So, took us a little bit about like, okay. What is business like pre-crisis accompanying business like yours bullying are your? What is the sort of business model love Blake in normal times in terms of where you make money or the profit opportunities are I assume some aspects are more loss leader than others like Linda just normal day to day the business of running back. Sure. So it's really four businesses that overlap the restaurant, the bar, the arcade in the bowling alley there's a lot of fixed cost operating all of them. So there's not really a profit margin overall area, but you get sort of operating margin it do you. Basically make money on all areas in the business. I'm they're just different different kinds of operating structures. So like in the restaurant is a high costumes sold business that means there's a lot of materials that go into each dollar you sell, but the front costs are smaller share. Bowling is like a massively fixed cost business. So like your ninety, five percent of the cost of boom is a fixed cost which was putting in lanes. On the marginal dollar bowling, you have really high margins and same thing is true for. The big cost of machines you have the cost of tokens you have maintenance repair costs, but those are relatively minor. Via Arcade is that a high margin business tone The good news about climb margin businesses is you can afford to do all sorts of like discounts on them to make them into laws leaders if you have nights of the week where you want to. You, know if you have like a lover capacity night of the week, you can do something like everybody who comes in Lottomatica gets two dollars for tokens. When you in the food business in the restaurant business if you want offer discounts, it's really get into. You know actually losing a loss leader with bowling arcade it's all opportunity cost. There's you know it's really hard to lose dollar someone balls it costs you like. Almost, nothing to let them all. In your cades. This is something I always wondered given that there's so many different businesses involved in something like a bowling alley that also serves food and drinks and has video games well but what's best deal for a customer? Would it be just going there to bowl and not buying food or drink or would it be going narrative buy food or drink because the cost of food and drink is subsidized by the bowling alley or? I know it changes all the time, but I'm just curious whether there's there's one thing that kind of stands out to you. So it's definitely, you can find specials throughout the week. If you WANNA bowl, it's cheaper to bowl off on like a night of the week doing a special order nor Keagan doing special. So Nat Sense. You're talking cost minimization coming outside of peak hours is going to be the best way to do it. It can be pretty busy on the weekends saw. Do you WanNa make sure you can play your game and unlike Saturday night you know you have to get there kind of early to get signed up all. It gets pretty busy because six lanes. So from a cost minimization perspective queuing perspective the slower days of the week you better odds. But in the put on my economist hat, the real value is not determined by the cost the inputs the value is how much get out of it so in my mind. Whole SORTA experience. It's great full. Complete evening. So I like the total package she come in you blend games you bowl an entire evening is a lot of stuff you can do with your friends. So it's sort of irrelevant to the consumer what what the relative costs you're looking at what your consumer surplus from and it's true. You can save money by bowling on a Tuesday night, for example, but. Your friends might not be able to go out on a Tuesday night. All sort of gather at specific times. You mentioned the ability to give out token maybe two dollars worth of tokens if you WANNA to come in on a night that typically less busy have turning. into a loss leader to grow food sales. But I'm curious about the token aspect US specifically in part because there is this nationwide. Shortage so that mean you guys don't have to worry about the coin right I of bunny token. That's right. We don't have to worry about the coin shortage right now. But that's because of lessons learned about coin shortages and we we get our own coins minted. They say decades on them never nice little. Picture on them of our logo you, designed to coin up my heart. Sinden, he's the one of my partners is that he's an artist and designer marketing guide and he he designed the coin. It looks great. We did have a coin shortage early on. So we ordered what we thought you know speaking. The token people are used to dealing with arcades. And we have also are the person we are teams from WHO has a lot of our experience and we talked to both of them we got this is how many coins you should have for an arcade of your size, but demand was so strong at first the velocity of spending we couldn't keep up with it. We didn't have nearly enough tokens and it took US actually like months to get caught up to the amount of tokens that we should have. Because it takes a while to them. There's a backlog also, you're sort of in denial about how much you Tokens. Because, you think about is like well, we're GONNA spend this little bit of front nettle. Be It for Tokens but people walk away with Tokens. Fine. 'cause you think you're going to bring them back eventually even if they don't, it cost less than a token mitt less than a quarter to make token. So like someone buys one hundred dollars tokens and frozen in the trash, we make money on that. We don't make as many as if they gave back to us, but we still make money. Right? But when we first opened up, we had just this massive coin shortage 'em. What required was constant constant emptying of the Arcade Games. If you have here token level set crackly, you shouldn't have to Vr your your games throughout the night it maybe once. Or twice on like a Saturday she really busy. But they're big. They have big containers on them. They're meant to be held up with the days where you said you should have to empty them. but we opened Keith the supply of coins moving. We had to be constantly engaging, and this was actually I was doing this a lot. I don't actually work there on a partner, but I don't think take salary I don't have a job there. But I was for our. I like opening week weekends. I was there like our busiest times wearing the decade shirt like a staff member going around the emptying the ski ball machines who machines just emptying the tokens and keeping them moving basically long so that that's the cost of a coin shortage says you have to. Interject yourself into the the arcade economy and keep them moving.
"two dollars" Discussed on WBBM Newsradio
"For two dollars America runs on Dunkin the story although his name by birth actually his friends prince Rogers Nelson actually it's not what you would consider a normal name for someone born in Minnesota sorted princes name come from his father was a pianist and songwriter who went by the stage name prince Rogers and play in a band called the prince Rogers trio so is father named him France because he wanted the young prince do everything his father wanted to do Iraq number three twenty one pilots I made it hello we do one thing to protect the environment with one thing one thing I do is I don't constantly watch tower can you tell more than one time definitely don't flash I'm not going to do this and you guys it all starts with just one thing find one thing US one thing WBBM news time eleven twenty eight traffic.
"two dollars" Discussed on KSFO-AM
"I have to do is add two dollars when I should've been subtracting two or adding to what I should have it adding three and I can stop CPA's now if I just dump you and used over and you still don't get it I've had people listen to me on the radio on and it drives them crazy until they come to a live event I go please tell me the answer I can't figure out that math folks it's is why so many Americans in my opinion get duped into putting pre tax dollars into tax deferred IRA reason for one case in the market and being told all you'll be in a lower bracket when you retire and for years I would have clients come to me prospective clients and in the first appointment I would have a little list of six items I needed them to bring their tax returns for the last two years and all their financial statements are qualified plans like I reach for one case and their non qualified but many of them had what I felt was a weight too much money and yet to be taxed I reserve for one case and I was a make sure you bring your after tax irate and four oh one K. statements they go home I don't I I the after tax statements well I I I don't think I have those up well I know they don't bugs and all I guess I'll have to calculate it for you so they come and they go I got a million dollars I said no that's not all your money only about six hundred fifty thousand a year after tax I re for one case statement shows about six hundred fifty grand not a million a third of this belongs to the government okay and so that's what I mean people don't subtract the effective taxes or inflation or market volatility on and their nest eggs at retirement planning is way different than maybe what you did for retirement you cannot add up what your retirement nest egg is without subtracting the effective tax is inflation a market volatility so I'd get rid of those three with the strategies that I use if this is a rousing curiosity and you want to come and learn and you're dead serious about preparing for retirement and not outliving your money and converting to tax free income join us for a half day educational event these are absolutely free we're coming to the greater San Francisco Bay Area I.
"two dollars" Discussed on KGO 810
"I have to do is add two dollars when I should've been subtracting two or adding to what I should have it adding three and I can stop CPA's now if I just dump you and used over and you still don't get it I've had people listen to me on the radio on and it drives them crazy until they come to a live event I go please tell me the answer I can't figure out that math folks it's it's why so many Americans in my opinion get duped into putting pre tax dollars into tax deferred IRA reason for one case in the market and being told all you'll be in a lower bracket when you retire and for years I would have clients come to me prospective clients and in the first appointment I would have a little list of six items I needed them to bring their tax returns for the last two years and all their financial statements are qualified plans like I reach for one case and their non qualified but many of them had it what I felt was a weight too much money and yet to be taxed I reserve for one case and I was a make sure you bring your after tax irate and four oh one K. statements they go home I don't I I the after tax statements well I I I don't think I have those up well I know they don't but I'm saying all I guess I'll have to calculate it for you so they come and they go I got a million dollars I said no that's not all your money only about six hundred fifty thousand a year after tax I re for one case statement shows about six hundred fifty grand not a million a third of this belongs to the government okay and so that's what I mean people don't subtract the effective taxes or inflation or market volatility on and their nest eggs at retirement planning is way different than maybe what you did for retirement you cannot add up what your retirement nest egg is without subtracting the effective tax is inflation a market volatility so I get rid of those three with the strategies that I use if this is a rousing curiosity and you want to come and learn and you're dead serious about preparing for retirement and not outliving your money and converting to tax free income join us for a half day educational event these are absolutely free we're coming to the greater San Francisco Bay Area I.
"two dollars" Discussed on KSFO-AM
"I have to do is add two dollars when I should've been subtracting two or adding to what I should have been adding three and I can stop CPA's now if I just dump you and used over and you still don't get it I met people listen to me on the radio on and it drives them crazy until they come to a live event I go please tell me the answer I can't figure out that math folks it's is why so many Americans in my opinion get duped into putting pre tax dollars into tax deferred IRA reason for one case in the market and being told all you'll be in a lower bracket when you retire and for years I would have clients come to me prospective clients and in the first appointment I would have a little list of six items I needed them to bring their tax returns for the last two years and all their financial statements are qualified plans like I reach for one case and their non qualified but many of them had what I felt was a weight too much money and yet to be taxed I reserve for one case and I was a make sure you bring your after tax irate and for one K. statements they go home I don't I I the after tax statements well I I I don't think I have those up well I know they don't but I'm saying all I guess I'll have to calculate it for you so they come and they go I got a million dollars I said no that's not all your money only about six hundred fifty thousand a year after tax I re for one case statement shows about six hundred fifty gram not a million a third of this belongs to the government okay and so that's what I mean people don't subtract the effective taxes or inflation or market volatility on and their nest eggs at retirement planning is way different than maybe what you did for retirement you cannot add up what your retirement nest egg is without subtracting the effective tax is inflation a market volatility so I'd get rid of those three with the strategies that I use if this is a rousing curiosity and you want to come and learn and you're dead serious about preparing for retirement and not outliving your money and converting to tax free income join us for a half day educational event these are absolutely free we're coming to the greater San Francisco Bay Area I.
"two dollars" Discussed on KGO 810
"I have to do is add two dollars when I should've been subtracting two or adding to what I should have it adding three and I can stop CPA's now if I just dump you and used over and you still don't get it I've had people listen to me on the radio on and it drives them crazy until they come to a live event I go please tell me the answer I can't figure out that math folks it's it's why so many Americans in my opinion get duped into putting pre tax dollars into tax deferred IRA reason for one case in the market and being told all you'll be in a lower bracket when you retire and for years I would have clients come to me prospective clients and in the first appointment I would have a little list of six items I needed them to bring their tax returns for the last two years and all their financial statements are qualified plans like I reach for one case and their non qualified but many of them had it what I felt was a weight too much money and yet to be taxed I reserve for one case and I was a make sure you bring your after tax irate and four oh one K. statements they go home I don't I I the after tax statements well I I I don't think I have those up well I know they don't but I'm saying all I guess I'll have to calculate it for you so they come in and I got I got a million dollars I said no that's not all your money only about six hundred fifty thousand a year after tax I re for one case statement shows about six hundred fifty grand not a million a third of this belongs to the government okay and so that's what I mean people don't subtract the effective taxes or inflation or market volatility on and their nest eggs at retirement planning is way different than maybe what you did for retirement you cannot add up what your retirement nest egg is without subtracting the effective tax is inflation a market volatility so I get rid of those three with the strategies that I use if this is a rousing curiosity and you want to come and learn and you're dead serious about preparing for retirement and not outliving your money and converting to tax free income join us for a half day educational event these are absolutely free we're coming to the greater San Francisco Bay Area I.
"two dollars" Discussed on KNST AM 790
"Tucson is two dollars fifty five cents that's down about eight pennies a gallon from a week ago state officials say arizona added seventy five thousand jobs in may compared with a year earlier about six thousand of those were in tucson the biggest job gains were in the fields of biosciences healthcare education and construction the unemployment rate was four point nine percent i'm donny ichi k and s he a._m. seven ninety tucson's most stimulating talk contractor to on onto a two zero eight two ken good retired me to run his plumbing company because my pappa was a plumber and he told me that integrity is free so every person on and when you do the right thing when no one's looking that's called ethics geo e a roth i._r._a. is the only i._r._a. type that allows for tax deferred growth and withdrawal of all earnings tax free all earnings on a roth i._r._a. are tax free however if you make over one hundred and twenty two thousand per year those contributions may be reduced or even eliminated i'm jeff junior president of trajan wealth and we have a solution it's called covert roth covert roth allows you to convert your current taxable plans to iraq and may allow you to make contributions if you're over the income limits when you start taking withdrawals with a 4._0._1._k. era those withdrawals are taxed as ordinary income which may put you in a higher tax bracket they also force you to take withdrawals by seventy and a half and if you don't they will penalize you fifty percent fifty percent avoid these taxes and penalties with covert roth visit covert roth dot com or call trajan wealth three to one forty one hundred again three to one forty one hundred trajan wealth does not provide tax advice consult with your tax professional guarding your tax situation is gary lewis summertime is here the heat is here swimsuit season you not feel confident you wanna tone up you want to work out a little bit jog a walk you need the good feet arch supports if you.
"two dollars" Discussed on Download
"Because it. Knows everybody else wants to beat at its own game. So it's got to try to try to four fights. It's also it's a game of media chicken, basically, because I don't I don't think NBC launching their own service is going to really amount to much. It's this stuff is coming way too late. I look at like CBS all access which is a problematic service for many reasons. Mainly because I don't think you really get much aside from great Star Trek Star Trek discovery, which is very good. And you get the good fight. But really what else what else is going on CBS people really want to subscribe to watch. They've got more coming, but they launch the service before they have the content other than CBS reruns. I did watch a whole season of survivor on there. But that was just buoyant. Yeah. Yeah. Yeah. Yeah. You your hand just slipped. But I've talked a lot of Star Trek fans who refuse to pay that is at ten dollars a month or so it's like between eight to ten I think ten without ads, but people who would normally die for Star Trek content or refusing to pay for the service. So at that point who are you who you really serving right by keeping this really, you know, a great show, a genuinely good show cordoned off on this thing that not many people want to pay for. I don't know what what is NBC going to have a Disney at least has like all their franchises. They'll be fine. I don't know how how many of these other services. Can you know survive the sort of thing, right? That's that's going to be a big test. Right. Is Warner media decides that they are going to do the Harry Potter TV show or something like that? Like will that be enough to get Harry Potter fans to pay for a service? And that's the eventually when you're paying for five services that calculation starts to break down. I think that's where I got to is. It's the extra. Two dollars a sucker because I'm on the thirteen ninety nine of on Netflix, just because I was traveling one day, and I wanted to download stuff and I'd already downloaded somewhere else before cage, crtv. So I'm paying for it. Right. And so it's not the two dollars for Netflix. Happy pay. I see as a contribution to the content of creating. But it made me question ever females some paying for because I when he was, you know, seven nine thousand nine whatever it was when the years ago. You kinda like to your point is a coffee, right? I'm not going to think about it that way, but I'm still paying for cable. I haven't cut the cord yet. And so now, I'm like, okay. So I have fire TV I have this. I you know, how many things I'm entering paying for and a lot of it. There's overlap right? So I might do a weakened in sit down and come to look at you know, is it worth just cutting the cord and Getty, bro, bend. But that's the big thing. And I think we discussed this once before on the show that for a lot of people that rely on high speed internet like a gig like coming to to the office. His bundled din. You don't see if you try and get away from the TV, then is when they really really Skyrock ever prices and make you pay for it. So yeah, I will have to do some math and figure it out. But I agree with we what was said that the content that you getting from Netflix is still were why the extra two dollars. It'd be interesting to see what happens when when people comes in being an apple home when it comes to devices we mostly use kid and so forth. A being drawn into see what what we we will decide to do the other stories in the streaming area that I went to mention his just this week. We had this kind of like you could see the whole thing coming. It was like watching a car crash in slow motion. I've mentioned a bit of an own goal in the tech industry. This is what I was talking about Roku had somebody on their Twitter support staff who was asked about info wars and said, oh, yeah..
"two dollars" Discussed on KGO 810
"See I was adding two dollars the bellboy pocketed. That's that's out of the equation here. I I'm adding the three they got back to come up with thirty. If you're trying to come up with the price of the room three men times nine equals twenty seven minus the to the bellboy kept equals what the twenty five dollar price of the room. But see all I have to do is add two dollars when I should have. Subtracting two or adding to when I should have been adding three, and frankly, I can stump CPA sometimes for an hour. Isn't that amazing? Well, why do I bring this up because those same CPA's and tax attorneys as I teach advanced continuing education, I'm asking them. So why do you recommend to your clients that they sock away money in traditional IRA's and 4._0._1._K's well because you have one hundred hundred dollars working you get to use pretax money, and that will grow to the mouse. And I go, you know, what you don't choose investments based on which ones grow to the most you choose a retirement investments based upon which ones generate the most at the time in life. You're going to be using the money the most net after subtracting taxes and inflation, see it's like the fisherman's riddle. They're adding up there telling you. Our clients to choose the best investments based on which one adds up to the most they're adding without subtracting. They should have been subtracting the effective taxes and inflation when they do that they realize there is no difference between a traditional IRA and 4._0._1._K and a Roth IRA or 4._0._1._K if tax rates stay the same. But they go. Well, we've always told them that they'll likely be in a lower tax bracket when they retire, and I go so does your client really believe that do your clients really believe future tax rates are going to be lower. No, do they think they're going to be the same. No. How many things are going to be higher one way or another and they go, well, they do and they're actually in his higher tax brackets when they retire is when they earned money, even if they have less income, and I asked the CPA's why is that? Why do schoolteachers have as much in tax liabilities or as high or higher tax bracket? Even if they have less income in retirement, it's because they've been going down the highway with one foot on the gas pedal and the other foot on the brake pedal. And they didn't know they were doing it. They were killing their deductions along the way, they were deferring deferring and thinking they were going to be in a lower bracket, and then they killed their deductions with one foot on the brake pedal, they pay off their house, and and the kids are now gone, or if they're not gone you can't deduct him anymore, and they're not contributing in retirement to IRA's 4._0._1._K's four zero three Bs tax sheltered annuities and congress keeps raising taxes because they keep spending too much money. And so they're not in a lower bracket. So if you're a good fiduciary, you're supposed to look after their best interest was it in their best interest to defer, defer. And now have you tell them to take out money when they're in the highest bracket ever. And now, you're like, well, okay. We'll just take out. Our MD's required. Minimum distributions. I'm going. Why do you do that? That's that's just stringing out the inevitable. Well, what could they do better? I go they can get the money out the taxes over and done with sooner than later in the room. They have before they hit the next tax threshold in any given tax year. You're not doing them any favors. Does. They take out the minimum, even if they don't need the money, and all of a sudden they start getting any Piff unease in our house, and they realize oh my heavens. I've been advising people wrong. I go. Well, maybe it wasn't wrong. But it wasn't the best. It was maybe good advice. But a far cry from the best advice. Now, you know, the best advice go out and tell them. Well, I'm a little bit ashamed to tell them that there's something better than what I've been telling them to do. And I said do you want to tell them, and you want somebody else to tell them, folks? I hope this riddle help you understand you want to choose investment and retirement. Strategies that will add up to the most of the time in life. You're going to be needing the money the most and be immune from taxes and inflation and market volatility. Okay. If you wanna come and learn how to do this. That's why we teach these in depth educational events there titled retire by design. They are half day events it never ceases to amaze me how many people will plan their summer vacations or a weekend at a national park more than.
"two dollars" Discussed on News Radio 920 AM
"Two dollars and seventy eight cents last Friday down to two dollars and fifty cents tomorrow and will continue to fall to about two bucks over the next ten days or so in low tax states, he says closed sharply lower. Crude oil prices and declining wholesale prices will force prices at the pump much lower prices fell about six cents last week, but are still twenty seven cents higher than a year ago. But it looks like we're going to start to catch up pretty soon. It's good news. Save a little dough at the pump up election days tomorrow, but judging by the early voting numbers, it's going to be a record breaker at least in terms of voter turnout. More than thirty million. Americans have taken advantage of early voting to cast their ballots A record number four of midterm election. Nearly five million Texans in the states, thirty biggest counties. They voted Friday's early voting deadline more than the entire state wide turn up in the last midterm election in two thousand fourteen Florida voters were headed for record to with about four million votes. Cast by late last week. Enormous numbers have been recorded in Tennessee, Nevada in Georgia. Nobody knows which way these votes are going right now, but the final pre election polls indicated deeply divided electorate. The NBC news Wall Street Journal poll suggests Democrats will perform best with minorities young voters college educated voters and women while Republicans will get more votes from white voters without a college degree men and white voters. Overall, Democrats appeared to have the edge with fifty seven percent saying that they would prefer a Democratic Party controlled congress compared to forty three percent who would prefer a Republican majority. But again, you got to look at the source. NBC news Wall Street Journal, let's who conducted this particular poll, but I think everybody can agree that voter turnout appears to be headed for record levels. Whether you're a Republican or democrat pretty clear that neither party is taking the midterm elections for granted over the weekend. Both President Trump and former President Obama on the campaign trail stumping for candidates in a number of violent racist, very close races. President Trump lays up when he sees as the difference between Democrats and Republicans. So more caravans, and you want more crime vote democrat. It's very simple. Have you watched strong voters and safe communities vote? Republican Trump.
"two dollars" Discussed on The Complete Guide to Everything
"Shirtless teenage boys coming from the pool yeah they're all over your teens yeah no i went to get a slice of pizza the pizza place for lunch and like she's thirty there and like i can be mad because i was this teenager thirty teenagers and each of them on the line with their term how much oh okay how much is four garlic nuts the five garlic knots is two dollars how much is four they're not wearing shirts if we're in a restaurant this is nice restaurant pizza place it's plan it's not that night yeah like it's not that big either so like they're just like as like oh god navy touch me like teenage boys i swear to god it they shouldn't be touching anybody yeah and like some of these wow what a what a firm stance tim everybody's a greasy yeah you're you greasy teens all these shirtless teenage boys either like made me feel bad about myself because they were like ripped or i was like oh come on man put a shirt on dome they'll be walking around like that everybody should always have a lot of close on notice this in brooklyn talk a lot of them like you're like right in the midst of puberty and like it's doing wacky things to your body right now like yeah things will eventually straighten out i think but for now maybe a little modesty have you noticed these people more like our age seemingly make their own clothes this is like the most yeah but like more like out of go to michael's craft goods by some felt felt felt would be too too hot but about the winter yeah i'm talking about now in the summer of seen people like.
"two dollars" Discussed on KCBS All News
"Two dollars time to head into the kcbs super micro money desk for the bloomberg report increasing tensions in the middle east wait on the stock market the key indexes had losses ranging from four tenths to nine tenths percent the dow jones industrials fell two hundred eighteen points to twenty four thousand one eighty nine the nasdaq lost twenty five points the and five hundred closed fourteen points lower ed morris of city group research tells bloomberg oil traders are worried about the possibility of a us military strike in syria the spillover effect of what might happen in syria is broader more regional and it really affects the global oil market and we now have to think as we did in one thousand nine hundred ninety about the real possibility of a closure of the strait of hormuz accidentally from what's going on in syria the crude oil futures rose to sixty six dollars and eighty three cents a barrel in new york the overall rate of inflation ticked lower last month the labor department reports the consumer price index declined by a tenth of a percent in march the core cpi was up two tenths percent jeff bellinger eight seven seven cars repeal hey ask cars eight seven seven kars four kids donate today donate online for kids quick and easy you'll get a vacation voucher tax deduction one eight seven seven cars were also accepting boats motorcycles rv's and real estate donations with zillow you're not just looking for a house you're looking for the bathroom we are give your kids champagne mohawks the bonus room you'll turn into a gym and work out in every day starting tomorrow.
"two dollars" Discussed on Alice @97.3
"Two dollars and avocado who asked so that's as barrier expensive yeah um you know i know in southern california uh my uncle has a very productive avocado tree like to the point where they just most of them just go to waste like the dogs actually eat them like the dogs love them washer his dogs are like yes i'll eat all these of they just lay there waiting for one to fall off the tree um i just don't know if it's warm enough here but you know our logo highly the east bay is plenty war right and extreme nor plenty war right fifth ganguly it gets cold every night at my house loves areas of the bay area get pretty damn hot ram jose is also super hot yes so chuck is the listener a longtime listener of ours a jack by the way i don't think i've ever gotten one of your i just want to call out uh the kids go to these bay sorry to the south bay for the toys for todd's drive every year and you hand than that bag of avocados that apparently usair for the whole show but whenever we never get any of those usually have you ever gotten it one of chuck's avocado uh i have wh when he stopped them off carlos eight luzerne leader yeah gay goes when he in giant them off here right we never seem to make it home to us avocado hoarders guys are all up in the north hugging on gavin new say that governor's anziani you're gonna get the good guy we got free seeds and those seeds are not cheap by the way and you got the free stuff so you know it all works out added over still want the of khattab's so i guess i'll have to grow my own tree so i've been uh push in brittany to post his his pictures are he's got.
"two dollars" Discussed on WIBC 93.1FM
"To seventy two dollars on wednesday again that event happening today on the circle from eleven to one and many of you who are awake right now probably miss the end of game five of the world series and if you stayed up your i'll be extra hired that is because the game went into extra innings and ended only about four hours ago yeah so houston astros winning was already being called one of the greatest games ever we all missed it unfortunately homerun after homerun sending that game into extra innings after a twelve to twelve tie in midnight but in the bottom of the th the home crowd rejoicing the astros alex brangman hits a single lee leading dared fisher scoring clinching that win thirteen to twelve castro's now leave the series three games to two game 6 is tomorrow and that one will be played in la todd this has been a crazy world series ran like the longest game the shortest games the hottest games who knows what's going to happen it really has been it's been really interesting and really fun to watch i call it a couple of games over the weekend obviously not last night's but certainly those high scoring games are phone to watch your high temperature tomorrow up to forty nine degrees it's chilly out there skies will be mostly cloudy were dealing with scattered showers not only do we have the clouds the showers fortunately have a breeze throughout the day today is that's going to kick up it's about fifteen miles per hour at times so we're not looking at a ton in the way of rainfall throughout the day today it's more spotty but i want to have the umbrella handy this warning for the most part you can grab it but you won't need it would just cloudy skies the once we get into the noon hour and it's the afternoon hours there will be some spotty showers around so have the umbrella although showers will end though the evening plans later on today most of the showers probably coming to an end by 4 or 5 o'clock this afternoon so that's how your date plans.
"two dollars" Discussed on KMET 1490-AM
"A compressor for fifty two dollars is she sold it for three hundred dollars there you go generators he and tools all of these things but as i was saying earlier you wanna pay high in bring ends right like dewald like i was i have noted earlier or miyawaki or any of these types of nato grand remondo unveiled bs aren't on ebay when you win you're buying you if you play got a hand tool a craftsman asking was nominated media prasarana on it as a good name brand name evac i don't know what may grass if you can email by since literature also a very popular right i was we we were talking about mina scooter just reason are granddaughter went off the college and first of all she wants to car we don't necessarily the car is the best thing to do is the first year or or pressure year but she wanna get around zone wide a users talking to their maybe maybe cooler or something like that and get along because if she get a car she's going to be hit with all the key is everybody got a goal so where everybody got to do something she got on not be so busy brown have time to stay so as a peter school that machine glyn davis rounded in cold weather well i don't think she should be driving a car back nickel weather either because he's got a going to deny use that as snow it brought into the car up for long but anyway of schooler error it may be on us something they have you know but anyway speakers knack i say to speak of the something because the technology notching unless there was it antiques mostly will have no in heard about antiques grandmother collected antiques and those antics will work a lot of money and they're used to fall the that like the the dining room table all and cheer yeah so some of the matches war gis right and if they can't get really if you're not you could take them home banned them down clean among refinish sherman all that and make them into a beautiful day a lot of people by room monday where he is the real wood is at that compress yeah yeah yeah yeah it away.
"two dollars" Discussed on The Right Time with Bomani Jones
"Order of who are lord lord lord roofs ramon grow home golkar exupery withdrawn gordon richard were two dollars to one of working towards growth successor sergio deserters hardest a record will succeed would soon recovered reversal knocks will succeed shrewd of who really lost two of the service to our neutral sarbu's deliver fair whistle novels when we were firm with were not away shannon i affair light alamara dare i feel like they need to like get who which he made who cut his eyebrows so did that do can be chopped and he could be screwed he satellite use screwed when i first heard another the audio was was messed when i thought was topped screw fourlegged wrote a book you've foolish to mood as though we adverb yoga added sixteen straight weeks of football is insane to consider that we had a guy calling yesterday and he made the best point i think i heard about like how to think about what it is playing football and he's i look man imagine going out and fighting three rounds against event holyfield end in doing it again next week and enduring again the week after that and the week after that and we got to that like this thing first came down they were talking about like may be able to postpone the game a sixty sherry games are all banner i mariners hurricane coming is still delay yeah hurricanes come any you know what's coming next sunday our hurricane in path that is going to hit us light as such a l for the players epi but i hit me up and they were like yeah well you know what's the union do it.
"two dollars" Discussed on KTLK 1130 AM
"Order for a two dollars swing in the price of the stock maybe maybe there say hey are we'd like to buy seventy million of the shares are gonna throw a bunch of money at it but what the lafayette actively do is remove all shearer's between that two dollar price range of they're going to consume all of those cheers between that two dollar price range that drives the price upright and it does it very quickly thereby catching the eye of unsuspecting novice traders were trend training you're trend trading bearable they believe that after there's an increase in price that's the time to buy so they jump on board and continue to drive that price up now what that banker institutions gotta do is wait for to get to the prophet target and then they start trickle sharing into those people that are buying it they don't have to sell it off all at once they sell it off a little bit at a time because they want the price to continue to rise for as long as as coyne to buy then wasn't reached the reaches the topic put everything on sale that starts to drive the price down that now what they can do to to further enhance that move is they can then short the market so after they sell all their shares they can go ahead and place a large short tests they make money on the downside to right but that also drives the price down is it a level were they would then by the shares back to cover and they do it all of the time so if you're if an with a trained eye end up air quotes around rambo were trained you can learned to identify where it's likely that these banks and institutions have made these big moves and so the trade right along with the it enhances your odds dramatically if you put yourself on the same side as of the trade as these big banks and institutions after all they're the ones with the coffers of money the mountains of money the armies of dry.
"two dollars" Discussed on Rich Dad Radio Show
"I mean giving the power of banking to all of us via the web or internet and all this so it could be the biggest opportunity maybe not for americans but for the rest of the world because as you know the federal reserve bank in the us banking system and goldman sachs control the world banking system so this might be the biggest disruptor of all so please pay attention our guest is chris kenner and kim and can mcelroy chris i had a question you're talking about it most people are talking like this is going to evolve over time this change in the banking is going to evolve in years calling it near saying it's not an evolution it's actually a revolution yeah i mean this several reasons why i say that put on the main is that it's the digitalization of everything is happening you keep hearing about robots argument titans except for an all these technologies are changing industries fundamentally i mean if you look at the shopping miles of america the becoming ghost towns because at once shopping online at home and we now seeing that coming into banking is banking was built for the physical distribution of paper in a localised networkfocused palm buildings in humans and branches but now you can digitally distribute data as money globally three software and serbs knock rhythms and that's pretty much what's the bitcoin phenomena as being i mean bitcoin is now rising to a valuable must two thousand dollars per go in just a few years ago you could imf two dollars pakorn and this is because of the word used rubber early the democratisation of money we're seeing the rise of every opportunity to think about things differently in value exchange use means nuts and the banks have to completely reoccupied technique cells to be internet at the core or digital at the core into depending on the w would the phraseology us all the people say digital called i say in coal with a digital structure that sin.