Feb 13, 2015|
2-13-15 Full Show by The Financial Exchange
Transcript - Not for consumer use. Robot overlords only. Will not be accurate.
Radio networks this is Susan Harrison I'm doing today by Todd let's keep apart in with the law firm of Cushing and Dolan. I'm joined today by Ryan Fitzsimmons he's a sales manager Boston solar but we're here to talk about the benefits of solar power Ryan welcome to the program that slot there Brian I've heard that for the first time solar is now cheaper than utility power meaning I can get solar power off my roof for less money than it would cost be for national greater northeast utility. That's absolutely right we at first time ever at the point where solar energy is dramatically cheaper than utilities and utility makes this easier every year. By reason the rates the oil solar power is getting cheaper and cheaper thanks to. Dramatic drop panel cost and lots of lucrative incentives in Massachusetts. Where at that point now in the average rate Massachusetts's right around twenty cents an average rate for for solar energy was to level as the cost. But six point eight so with a lot less expensive a lot lists. Panelists now. So what are the available incentives what do the tax incentives for putting up solar power short. If you're hopefully get 30% of the cost back as a tax credit but there's also cash it paid every quarter for ten years based on the production system on top of the 30% on top of 30% and Massachusetts is another thousand dollars is a state tax credit. All right folks don't get solar power until you read the solar guide it to fifty page article our guide if you will. That will teach you all of the benefits associated with solar power the phone number to receive the free report is 866698. 9323. 8666989323. You heard it here First Solar power is the less expensive. In buying electricity from your utility company it's that simple about a third of the cost. What number do you call toll free. 8666989323. And my friends at Boston solar will mail you 858 page solar guide. Don't buy solar power until you read the solar guide 8666989323. A state in asset protection planning can be overwhelming word you start. How do you know what type of trust is right for you hi this is very Armstrong and I'd like to talk to you about the law firm of Cushing handle it and creating a state planes for folks in New England. For more than thirty years and they can help you to with all the different types of trusts available I can understand the confusion when it comes down to a state planning do you need to revoke Coble trust do you need an irrevocable trust and what's the difference you needs an expert advice and they put it together free guide that will help you decide the best plan we view this free guide the differences between revoke global. And irrevocable trusts is yours for the asking call 8668485699. They can even show you how it's possible to eliminate your state taxes I love that part call Cushing handle right now to get this free guide 8668485699866. 84856. 99. I'm going to grocery. Into the law. Can they. Most of basketball. Wherever you're going the quality gasoline that ExxonMobil stations of the energy behind your journeys they helped engines run smoother and help improve fuel economy to. ExxonMobil energy lives here and Exxon Docomo mobile accomplish details. There's your basement or crawl space have a damp musty smell. Well watch out that's a sign it too much moisture and not enough ventilation and that can mean increased mold growth and the buildup of harmful toxins and gases don't bother with the 1888964. Wade. Are you ready to retire the question is actually more complicated than it appears because it demands consideration on two levels first there's the emotional component are you ready to enter this new phase of your life. Plan for what you'd like to accomplish or do in retirement second can you afford to retire will your finances support the retirement lifestyle that you want. 8668106422. I would suggest you call now 8668106422. Securities operatives securities America ink member in rat as a PC an advisory services operatives securities America advisors and Barry Armstrong represented and an advisory group Ministry's American companies are unaffiliated. Yeah. Your words hold on your checkbooks and did your portfolio break. It's time for the financial exchange with Barry Armstrong and Kim Keller again from Wall Street -- you're street Berrian Kim you've covered in the financial exchange with Barry Armstrong and gene Kerrigan. We did. Hey it's a Friday is Friday the thirteenth by the way and that we made it to Friday on the good I'm agonize. Your flight and I find and I I listen I'm black cat that plays well good for you good for you we need to what before you leave block right underneath a latter. And a partner because I love the thirteenth ready to go have a fine at the. And I mean most people know this there's no growth or to. No I didn't notice that. You know it's a stupid about the I don't buildings they have no word there in a lot of cases it's stupid about that is just there is the thirteenth row it's just march 14. Make any sense to me that's silly that's why the first at this so crazy. But the first three television stations I worked in the channel thirteen. Really is that where it's like a lot. It does no I didn't like I like thirteen I've got a historian here and we'll talk about this and a couple of minutes but I ministering here about. This whole. You know dark cloud hangs over thirteenth at wide net came out okay so we'll talk about that. This however I think is gonna be a lucky day for the markets. Friday the thirteenth. You know it's it seems like we had a. We should we tell everybody with having de Oca. After if you hear that sound in the background that is it an office dog actually yes we it's bring your dog to work day in David has his little puppy in here and she's looking through the glass at him sitting at park cattle like crazy. Anyway. It seems like. You know every time I you'll look up in the last month. Are really since 2015 started. On the markets have been taken to hide the truth be known. We're about to hit record territory today and in fact we are in record territory right now now whether it will remain that way it has yet to be seen. The dollars RT over eighteen under and 8000 and up. And yes in key is in record territory right now. So. It turns out the part of the thirteenth could be a very positive day and a lucky day for the markets was it. Unmarked as a as a whole so far this year it's you know it's it's been up and down but when you look at it kind of from start to finish actually. S and he right now. Up one point 6% for the year when it's all said and done so it's it's been this look up 3% one week down 3% the next weekend and we've kind of repeated that cycle here while now but it's it's a relatively flat market actually at this point when you look at in strip out the little ups and downs that we've had still not had a correction I believe now in forty. The three months I think it is so close and you know close to four years. Historically see and every eighteen to still questions out there about that. But again you look at like a lot of the trend lines on the chart everything nothing's really been broken nothing's been really threaten that substantially. In the last couple years now. Good good let's talk very quickly about what's up they showed it. As we've got some really great stuff and talk to Peter Flashner he's from clicked all hell is this online marketing. Group that's. Working to bringing. People who use technology. And who have health issues to the forefront and to help those people on line. On with the year with their health issues of this new study out that is fascinating. About people with chronic illness and using electronics using technology it's it's really just so Larry Kudlow is gonna come up and join us here in a bit. It's a separate stance now is coming on in Africa when it's coming and can you tell me about the snow and how it impacts. It has been business com which when it went through this quickly because it's our question of the day in a wanna see more people are saying. Is the snow. And the impending it's now going to. Threaten your Valentine's Day. Activities will you canceled dinner around a talented cancel. Day activities. And net don't look at my dinner. You know are you taking your creativity can record at dinner with your ballot that. We're talking more about this in in a little while. But I'd like to know what people are saying this threat of another blizzard is gonna keep you. From your Valentine's plants. ET to access to succeed or reits and goes on the air here in just a little bit so please please god join in this conversation if you will. And also working to talk to councilor. Stephen Murphy from Boston. And I don't know about you buy one of my favorite things we have this little restaurant in wants Coca they don't public relations. Coca to little Italian mom and pop it's absolutely adorable police captain. And she and her husband are from Italy and he's the cook and he actually makes the cost and he made it makes everything. But I have no liquor license so you bring your own bottle of wine OK idea and it may uncork it. And they pour. And I love this because. I can bring whatever I want I can I can have whatever I choose. And it's just it's almost when you go to this little restaurant because I've brought my own line it's almost just like your sort of like so what's your serving you at home. Oh yeah I love it. So anyway the city of Boston there because there's only so many liquor license that can be issued. A number of restaurants are asking for the possibility of doing this BYOB. And they're trying to sort hammer this out so he's gonna talk to us a little bit about what this might mean. And how they'll move forward with this idea. Yeah it's you know very interesting to see if that becomes something. That is on a much larger scale in Boston I know obviously you do have the restricted number of liquor licenses. In the Syrian and maybe that's something that you try to address also is what these licenses have been you know restricted in terms of the number of them for quite a number of jurors and maybe that's something that especially with all the growth that you're seeing in Boston. You need to make sure that you keeping up with demand. Absolutely I couldn't tell ya think a lot of people like this idea because and I'll be anxious to answer on ask the City Council but I think a lot of people like it because. Excellence is expensive. What's it's easily affect matters by two male model line. That bottle of wine had I bought it there at their restaurant would be double or more right you talk about 20300%. Marco. When you go and buy from restaurants and it's it's a lot cheaper instead of paying you know forty about forty dollars for bottled wine you paint and drill fifteen something like that. And I think it's something that a lot of folks would like to do but obviously you can Boston right now the situation there. Does not put on a lot of places that can do now I know there's that there's some that are probably off the grid that you know I've mayor may not have liked it occasionally. That you do have that ability but you know it's not anything that's mainstream at this I'll never forget the first time that my sister was here. And we went to this little cafe that I'm talking to hunt and I grabbed a bottle of wine. Out of you know my wine now four fridge to take it. And my sister is like what are dew dew queen Kim it's so humid eighty and just into. I know our our ability to get their approach that. I think you get Brett is a little bit of higher today. Back over sixty record 61. If you look at west Texas intermediate back over 52 so. Continuing to see these fluctuations which it is still has not a lot of stability in terms of pricing in the oil market used to seeing some. Fairly significant swings on a daily basis again. Up about 3% today after being down three of 4% several these earlier in this week so. It's a market that is still trying to figure out exactly where that bottom is you've seen you know again. On west Texas in immediate bouncing around in that 45 to 52 range for the last couple weeks now which suggests you're potentially seeing one there. But it's it's still is far too early to be able to say that definitive. Well it seems that because they've bounced up just a bit and seemed to be steady and you know that the ship is is writing itself a bit. Here. The markets you know traders like. For sure. Definitely definitely an S and the big thing is this is a market that when you look at a lot of the questions that are out there one of the biggest ones still is oil and trying to figure out exactly where an energy sector he's going from here so to have at least some type of idea I think it's what they're looking for but against bill and number of pretty big questions most notably what's going on over in Europe as well as the question of when the Fed. Does raise rates if they do this year. Did you see by any chance Robert Shiller comments on. On bond investors here or his warning to bond investors I did and and Robertson is a very Smart man and he obviously. A lot of things that he he knows his stuff the thing that I'll always take with a grain of salt as people have been talking about a a collapse in the bond market. Really for the last six or seven years now and you haven't seen it to this point simply because when you look interest rate policy across the globe. There's nowhere else that you can go as a viable alternative you're not to begin a pilot equities in -- a pilot just in the cash you're not gonna go. Four alternative assets and things like that. If there's not. It's nothing that offers the seem tight the same blind of risk reward that you do get in bonds and obviously but the rewards not substantial. But when you talk about the lending that's going on on the corporate side right now. We have coverage ratios that are far better than they've been in in recent years so. I look at this and say OK you look there are that there's the potential out there. In not to discount is Roberts or obviously you look at what he has you don't get a lot of play here okay. And very Smart guy but I think there have been a lot of people that have been wrong about what has gone on the last five years in various Marcia people. Most notably you look at and another noted bond investor Bill Gross who. Essentially had a terrible couple right years that ended with him being chased out of Pimco now. And so I think it's a bond market that really has baffled a number of folks because we're into uncharted territory in terms of what is going on with interest rates are on the world well I wanna give quick quote from him because. He said this yesterday he made these predictions on just said the people know exactly what it is we're talking about noting that interest rates are extremely low given historical norm Schiller says. The US bond market showing such low yields looks at its. If it may have gone through something of a bubble and may collapse further eventually. He he did. You know sort of current world little bit by saying eventually. But he is warning bond investors and I got to tell you he's a guy and anybody who invest in bonds author knows who. Robert Shiller areas and knows and his accuracy in the past so I shot that was interesting when it ran across this morning and but we would share that with our with our listeners that they. Take heat right absolutely biology so I don't know whether O with the money now look where what's your alternative right point there's rights and certainly don't wanna be sit on the sidelines period. Number look you're sitting castigating him by inflation news you know there's there's nothing. Anything that you invest when you're sitting in cash bonds equities real estate whatever it is there's some risk associated with the it's just a matter of what risk you're comfortable lecture. All right we're gonna take a break everybody when we come back let's talk a little bit more about your Valentine's Day. Plans again would you Texas at six and he's succeeding and let us know. Are you let the weather affect your plans for tomorrow night we'd like to hear from you. Barry Armstrong. Right here on the financial exchange radio network. Investors searching for relatively low risk investments that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month. CD with an impressive one point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent -- why call 8776917900. Today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more -- bank a step ahead minimum deposit to open and earn annual percentage yield as 1000 dollars Massachusetts residents only penalty for early withdrawal including iris penalty which may reduce earnings rate subject to change without notice member FDIC rate effective November 4 2014. Boston solar is a leader in providing solar energy solutions to residential homeowners and commercial property owners throughout New England there has never been a better time to look into solar energy for your home or business with continuously rising electric rates solar now empowers homeowners to slash or eliminate their entire electric bill Boston solar has a free guide that will detail all of the benefits of unlocking the financial powering your whole call 8666989323. To receive a free guide on the benefits of solar energy that 86669893. 23 Boston solar offers affordable solar solutions and can work with you to maximize all the federal and state tax incentives call Boston solar today with a free guide on the benefits of solar energy 8666989323. That number again is. 8666989323. This season powers and I'm joined today by estate planning attorney talk let's. Criminal law firm of cushioning Dolan with your legally exchange quick tip of the day. Today we're talking about last minute cleaning techniques for the procrastinate or they can help seed your assets if someone goes into a nursing now. Todd can anything be done to save the liquid assets of an unmarried individual. Yes there are some things now remember it's never as good as as advanced planning. But it's better than losing all the money and that's really the goal. In order for individual who singled again on Medicaid. They have to have less than 2000 dollars and often times they won't they'll have you know few hundred dollars and if that they saved over there like pastor. Well that bucket of money is there the individual would then have to. Purchased one of these Medicaid annuities and please let me just throw a lot of reminder. That he's in new east cannot be purchased prior to someone going into the nursing home case so don't let somebody tell you that they can tell you Medicaid annuity today. It's a last minute planning technique. And once you buy this annuity lets me take two or 300000 dollars up excess assets. And purchase the annuity that goes access assets are converted to an income stream so value in essence have less than 2000 dollars of assets. Because there. Big chunk of assets has now paying out an income stream a monthly check you'll receive. Over your life expectancy whatever your life expectancy is that's the term of the annuity. The moment you buy that annuity you're now eligible for Medicaid annual stretch out the money make it last. Lot longer folks if you are single warm married in their feast with a nursing homes day. The air is something that can be done to save your assets last minute that you need some guidance. Call our office right now for the brain a guy from Cushing and Alan. Cleaning for procrastinators. 8668485699. That's 8668485699. All the best in businesses is right here. Barry on the stroke and can carry him. On the financial exchange radio network. Welcome back everyone you're starting to text in your responses to what. And he tomorrow night we appreciate that again it. We like to know if you're gonna allow the weather kicked. Get involved in your Valentine's plans and and one of the reasons I'm asking this is a little bit later we're gonna. Talk about him Valentine's Day and what this means to. Restaurant owners mean this has been an absolutely horrible stretch for them anyway. And then wouldn't know the Valentine's Day falls written this and worked back in the end this with you talk about what this means here and Valentine's Day with a year retailer or restaurant a major day you know you have prices they get jacked through the roof and you know you've ever tried to go out in Boston is sitting down and using the campaigns for want I know. But. Having said that it's important to it's really important to the restaurant owners are. We'll talk about that a little bit more in just few minutes but again let us know what your plans are for tomorrow night. If you I intend to let the storm keep you from may be going out. A 2014. Now officially being called the year of the recall. Did you see the numbers chock associated with. I'll vehicle recalls last year this is amazing on the toes out there. 64. Million vehicles were recalled in 2014. Let me compare that for the previous record was set in 2004. When a thirty point eight million vehicles were recall well is it's more than double and and just to put that in in context he talked about 64 million vehicles being called. That's essentially four and a half years worth of sales. For the entire United States that were called that's a bet that that's how big that numbers it's not it's not simply is it's not a tiny ports you talk about. So four and a half years where that sales for the US market that's that's a massive number you're not talking about anything small there. And again the types of recalls are talking about anything from. You know simple defects that are you know anti any major issue all the way up to things that Ares significant like airbags such as the air bags and that air bag situation was a big part of this recall mess of 2014 but some of them are you know. It's just that the right. You know bleaker doesn't exactly at a steady pace and they like that. But those are all included in these numbers but I think what's pretty amazing about this. And by the way did it get that ran in the cost of four point one billion dollars for repairs last year but what's amazing about it. Is that. Dean the auto industry still had a banner year. A banner year and that that's with 64 million recalls. A first quarter that was terrible. And they still had a banner year. Demi the big reasons that people would put off buying cars for so long average age of cars are thinking I think it reach somewhere around twelve and half for thirteen years last year. For the first time ever typically what you're seeing if you look back seven or eight years ago. Average age for car on the road it was an eight to nine year range right Asia we had people to stop buying cars. In the 2007 to 2012 window and what you have them was a bunch of people would bought cars back in 0102. That now instead of having. Just a 100000 miles are you sitting on a 16070000. Miles per and they they simply needed a new car just show. The cost of any new maintenance would have it would make sense when you look at there and that's why you actually stock car sales tick up pretty significantly in the last twelve. So did you see that GM. Did their I think it just about at the end of the year. Investigation and their determination as to how much money will go out for people who were abducted by the nation's gas issue. And India and I think they have attributed to an. And help me chuck to remember correctly it was 57 deaths associated with 5151. It was at one via a kite yeah we get it right I I saw the revised number and I just I don't have it here in front of me. But I knew it jumped up into the fifties. And dot each one of those families. Will be. Awarded to two million dollars each were at least I don't get to minimum of one million dollars and potentially. I know another three or 400000 depending on exactly what's under the circumstances sure sure. Terrible isn't it is that unbelievable that after this was you know really investigate we determined that many people lost their lives as a result of that ignition switch. It's it to me. What is so remarkable. Is that a no one has gone to jail. And BGM. Has somehow found their way out books. The other thing you have to remember so you mentioned at the previous. Number of recalls in the US with about thirty point right leaned back in 2004. GM just by itself last year had thirty point four million recalls. Almost topped the the national number by themselves last and still agree I agree you're. You look at this and I agree quarter of in his at the year in its. People it's okay what was actually happening while I tell you the reason GM had such a great year last year. Whitney had those recalls with those people come in with those callers yeah. They they were pushing you know no interest in I mean all of these deals in their showrooms. So when people came in with a 2007. Car that had this problem and probably it was about time get rid of the anyway. They were pollution in new card. To be in Virginia results yet it really did it and I think that again they they somehow managed to calm out of this indecency I still. Major problems that tires to call went down because you have accompanied it should be criminally liable. That the issue and they did nothing there well and I think it is absolutely all that nothing's happened in terms of any prosecution grease somebody somebody should be in jail. Somebody you've got you know people who lost their jobs but that's coming rookie if that happened with any talk about something like manslaughter means that. Clearly it's not intentionally. Doing it with intent arms one. But there is better when I want people dead. As a result after action decisions that strike have to at least looking at that in terms of manslaughter and active. You know really doesn't mean it means that approached the scope of what happened there by saying that two people are dead because. Are so many people who are physically maimed for the rest of their life. As a result of what happened as well right whether they were driving a GM vehicle or in a car that was hit by Jeanne great you know you talk about people who. You know we're talking broken bones concussions whiplash. Any pain in his right as a whole litany you can go on the list and it's it's a problem. That I think again if you went to us as you mentioned it doesn't get to the full scale and score right it really. Just a terrible thing that. I don't know somehow they have they have found a way around this and I think the weight if they got around it was money. Quite frankly amino that's the way these things frequently come to a man who you know will pay out X amount of dollars. And we'll say we're sorry and will fix the cars that still exist and will fire those people who knew what they were doing and didn't do anything about it. And now let's move on yes that's pretty much how they did it. Death it really is and and at least for me but you would have had to pay me a lot more in a billion dollars to snap the somewhere and I knew that. I'm 100%. We'll take a break everybody you're listening to the financial exchange. This is the financial exchange on the financial exchange radio network. If you're landlord pay attention it's that. First of the month rent day tied chased down late payments and organize your files for a trip to the bank now you can take back all that waste of time with something called is he ranked leader banks in new product Z rent automatically deducts tenant rent and deposit it into the landlord to count making rent a one less thing to worry about visit www. -- rent dot net now to learn more no more checks or trips to the bank no more rent payments to lead or lost in the mail tenants pay nothing. And for the first six months it's free for landlords landlords go to www. Easy rent dot net to sign up then invite your tenants so they'll never worry about late payments again visit www. C rent dot net to learn more call 7816418691. Sign up for easy rent. That day and take back hassle out of ranked date for everybody this is Barry Armstrong and I'm joined today by estate planning attorney Todd what's key from the law firm Cushing in Dolan. It's time for your legal exchange quick tip of the day were talking today. About the different ways that you can own rules state and Todd I wanted to ask you this one. What are the implications of transfer your whole C just take your home yet and you give it to your children. In order to protect it from the nursing my ex he had somebody asked me this yesterday sixty years old. In the heard about this thing transferring it using only the state here. Kind of makes my teeth itch. Really you know GAAP putting your kid's name on anything while you're living it is frightening with or without the light for states a year question was interesting it was. At least using a life estate does provide the parent the right to live there that some protection night. I feel better about that. But I really don't like having the children's name. On any property. For the following reasons one when you do that it's a completed gift to you've lost all control over you don't order anymore. I worry about if the kids go through divorce an ex son in law the ex daughter and when your house like. Number three is it you know Ali you know I don't you've now subjected manager just said Barry took their creditors and president. Necessarily have to be divorce does he could be a lawsuit business failure anything. Could be any creditor so the -- basically that creditor has the ability to get the ascent to pay them back which means you lose your home I certainly don't like that idea not to mention there's also a tremendous amount of tax problems associated with doing that so don't don't do that. Ari I've got some advice for you learn the best way to old and protect your home your vacation home in your rental property. Call for Cushing and old brand new guide to the risks and rewards of real estate ownership 8668485699. That's. 8668485699. The guy will teach you all about the risks and rewards of real estate ownership. Toll free 8668485699. If. You're thinking about retirement in the next few years it's time to make some big decisions do you know how to change your investments from a growth portfolio to one which generates income do you know when the optimal time to collect your Social Security is did you know that if you lopped from monthly pension that income can be at risk for the nursing home perhaps a lump sum pension option makes more sense leaving a legacy for your spouse injured children there's so much consider before you stop working and we've put together a 26 page you re tie aiming guide they can help 8668106422. You've worked your whole life saving towards retirement doesn't it make sense to get professional advice to make it last 8668106. Ford to kill. Security suffer through securities America ink member finreg as a PC an advisory services offered through securities America advisors and Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated represented as a securities America do not offer legal or tax advice always seek the price of a professional familiar with the laws in your state. Hi this is very Armstrong from the financial exchange recently I've been hearing many reasons why we should consider buying gold geopolitical uncertainty stock market corrections you name it I don't disagree with the idea of buying gold but I have always been suspect of the ads that I see on late night television for even the ads frankly that I hear on the radio I like to buy gold from a local institution that I trust I owned gold and I bind my gold coins from leader bank I walked right into any leader bank branch and I can buy American Eagle gold points leader bank is a local bank with. Branches in East Arlington Arlington center Arlington Heights of Belmont Burlington and Central Square Cambridge thank locally and buy your gold coins locally it just makes sense give leader bank a call and learn more about their gold coin programs 8776917900. Or visit leader bank dot com leader bank a step ahead not a deposit not FDIC insured not insured by the federal government agency not guaranteed by the bank may go down in value. Follow Barry on Twitter at Barry G Armstrong its Barry Armstrong and gene Kerrigan. On the financial exchange radio network. On. Some leader billing. About growing. Late. Early. And I can't find my my girl because there's so much snow. And this person asked me on a scale of one to 1010. Being the best where we're irate a night out grueling and Isetan and I'm not sure that it. And nine outside in the deck growing yeah and it I think did the issue for me is you know I love a good one ever on the grill. But grilling should be just some you know it just brings the atmosphere it's warm weather it's nice it's it's light. You know he Sydor on the ground you visit with friends have a couple glasses of line. It's bad that I think makes it from me guys go like you in the wind east west of sleepless outside in the grill and everything I mean you got to recreate Summers much and how well my problem is that I at six feet it's known and Ayers there's just not mean we would do that because I use my girl more than just that social event that I'm talking about guy I use every night in the summer months is running now. Throw embers on for the kids. There's just something about you know having people over. So what is the moment. That does. There's an island well now happy to pre. First question were quickly what city do more patents come out of than any other city in the United States. Patton's. Pittsburgh no. I give up. Well Texas it's X 86 if you know the Internet folks we would love to hear from you -- earlier this morning I had the opportunity and I'm. Giving way that this was he added we had to do it because he was leaving on an airplane opportunity. To speak to calm someone from health and health is this agree on its website and this great. I'm information site and what they're doing is they're working with people who suffer from chronic illnesses are people who are just trying to improve their health. On and and they're teaching them and their branding ways in which T use media meaning there are electronics rather. To better inform themselves and to make their lives better and cheered too. First feature wonderful study with music and you can primary instinct and that agreed event that they hit your Boston. So Peter Flashner Yi is the senior vice president and client experience and I clicked and he is joining us this morning Peter it's great to have you with inspectors take it's time. First up for you to tell everybody is click health. So much help is eight marketing agency we work where health care companies like I attacks are adequate. Help them bring their products few. Hours to meet the. Terrific Ikeda. A little bit of publicity going on here in the last couple of days it's really terrific the curse wanna talk about. A rook and on line and a report that survey rather that you guys did. That you release some of the information about today. A really interesting survey by the way. Yeah it would it would just really charter and to do things. The survey what is. Or about 2000 people vote on. Have diabetes. Should trying to understand. Our easy digital or how those tools like mobile phone web sites and apps. Affecting their life. And early to restrict things that really stood. In the first is the most charter to. Which is that to people who are actually. Spend more time. To. Greet there oh. Look at work actually up higher satisfaction. In the quality of their. When they use a lot of digital. Thanks. So irritated that the people who are sicker or using all are feeling better then there population. And was your reason I. I think it has to do wit having control. And that really be involved in Europe I'll be taking action and they're using things like trackers like. It bit that make you'll using apps to help tractor diet and it. And it action actually. Stepping into it it really. Making a difference in your life that makes them feel better. Well ha. Yet control but that makes sense to me it's certainly does because these are people who are a lot of things that are out of their control. Gap very sure that used to do three things what else did you learn from the well the other thing was that which. Think. Like marketing background. To read so. Epic or are people that. Traditionally thought it meant by Democrat. Your your age your gender your. Really featured in this that at work so much. Especially. How. We looked across. It is seen in all of us and what we. Regardless of age regardless. What this city. People were all using. Some 90% of respondents had. Dip ice. All of the time. So what about access anymore what about that it backs altered spoke to had. Access to laptop or a how to Smart in many. Well so we're talking about a ball screen people. At what what would interest that. Your mind to use those they answered to Herman's you're out. We. Are at a group called each make that she sent the breeders'. Use air boat their apps in their tablets and laptops. Out they connect. How they they. It was a Victor called. Seeker sure or seven. Who are really. Really familiar with how to get into nation and eat it. Super comfortable using bare bones. On Google earth. And it never ticker on traditionalists. Are. Who really have a digital. Smart but to vote so they bought. To actually go into search and there is there. As they're. After learning about how to use these things they've already got two. Sourcing or merely rapid ship awards. Towards each. Sure sure I know someone who falls and all those categories that's very into staking it. Yeah yeah I'd better. Yeah it was with force seventeen year old the other day and site for the conversation to understand what they're less like in all fell into this. It's each district or what ready. So it was all around. How do you think you'd. Sure absolutely you were in the Boston area. Four. A big key and dealing I'll call it of a new product it's got our new our program it's called muse. Tell us about news. Yet some used as an experiment that we that he tried for the first time. And yeah act act click our mission is shaped feature to working on the preaching yours and it's helping work credibly passion. And one of the things that we realized meets happened. It each connects people each get people talking and excited. And inspired. You go into this to reach to agree sir go out on what you are. So we brought together about a hundred people last night who worked. In science. Medicine. In an environment where. Some fantastic performances. 88 street has it altered gestured to. Lost a leg that they're gone. And it created a credible. Was there to share her story. Jacket or aka. Sixteen years old. It is better inspected. Radical new way to test chapter to chapter. Was there to tell us how she went from it has better jute that they. Picked. A long way. You lose that it pianist to just the way. And all sorts of great orbit Izturis. And it really creator. Part of inspiration. People literally to the great conversation. If you want access clicked when they do. Click health Donald terrific Peter thank you so much for joining us here on financial exchange we appreciated. You are so. This as the financial exchange on the financial exchange radio networks. 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Well best in business is right here Barry arm stroke and can carry him. On the financial exchange radioed Edwards I. Welcome back everybody financial it's so light up sent out trivia question earlier and you guys to know audience here. We do have someone who did go now. What city do more patents come out of than any others in the United States in the answer is innocent. That that's something this time it makes sense when you look at obviously he's in the evening you know very close the world under the stars are in the Silicon Valley area economy it's insurance there. But I wouldn't guess that now wouldn't have been right at the top of your head. Aaron new era is indeed Amber's earned thanks so very much for listening to the show. All right so chuck you are gonna take a couple of minutes here inspectorate good for America I sure am and out there appreciate you coming on the line with us today. And ancillary question that I have four is we we've seen a decent reporting from our fourth quarter earnings down one thing that seems to be. Fairly consistent among your big multinational companies. Is taking write downs due to four X fluctuations in the quarter and obviously the strong dollar has some benefits to the US but is this something that could potentially weigh on earnings over the rest of the year. In Europe try to escape acts as we get that fourth quarter. Plenty fourteen out it might look I don't think you know. It. Devaluing your way to prosperity not the answer and say that. There's a lot of whining going on. By multinationals. And I tend to take it with a grain of salt I mean for one thing if they're an income what's at stake Europe birds. They earned income in Europe right. There's cash there if they decide to bring that money home and they may not because of tax implications but suppose they do it. A stronger dollar will make that income cheaper to bring home so that's a good thing not a bad thing. I'm not convinced I never have been going over many many decades. That a strong dollar. Hurts profits. In fact I don't even agree that a strong dollar hurts exports because everything American businesses by. Commodities. Assembled parts whatever it's called cheaper within a talker dollar yup so they give it this way. That the weak currency was really good for companies. Wyatt and Venezuela or Argentina center in the world economy into the may be back and a lot of companies let me use the dollar as an excuse for allowed the execution on their part. So when you look at what you've seen from fourth quarter earnings so far and guidance going forward the deed seem like it does seem like we're seeing that type of growth that you'd like to see are you still lagging a little bit behind where you think the economy should be. Well look as you said. Ernie they're out outperformed aren't they in Q4. And and actually there early outperforming by a lot because. He got a gesture you know one time gets to energy in the 2014 and it's been. For it was a killer for energy prices dip and drop not forget that every year. Specter may be bottoming outage. So any oil prices go. I don't know that estimate. Is earnings air guard 678%. Baseline fundamental earnings. That's pretty good. And that tells media outlook for the stock market. Is pretty decent I mean I always argue profits of the mother's milk for stocks and also the lifeblood. Of the economy so. Estimates may be can be down slightly for the 500 because of the energy story. Take out energy private pretty good story and even putting energy and Tony fifteen. Made the previous survey and the economy is fine. Not growing at 45%. But it's growing it I don't know maybe two and a half to three and American business very resilient. I don't I don't buy into all these cliche strong dollar weak profit. That's just done. That's just a bunch of bearish hedge fund guys who would try to make up for their last performance. Putting out newsletters and spokesman touting their own book under very cynical. Yeah. There it will wet when you look at what's going on in the rest of the world obviously. Europe did come out with slightly better than anticipated GDP numbers for the fourth quarter but. You do still have a lot of uncertainty there as well as continuing issues in places like China do you think the US growth is strong enough to continue to provide stability across the global markets. Well look. We. You have weak growth in Europe that we Croat and there and the oil. Our tax cut is gonna help both those countries law process and help China a lot. You know I don't I don't depend on I'd go back can you tell me the last time Europe. And Japan grew strongly. At the same time you're probably looking at somewhere around twelve to fifteen years ago. Twelve to fifteen I'd I would say probably. Be twenty. Right there mid eighties you know maybe the inspect and I have to go back to that and so my point is again and summit cynical about this the US drives the world economy. Europe doesn't drive the world economy now there was a time when Japan a lot more power but that's been over since the eighties so. How we get that you know are we get a rescue Europe now are imports will help a law. In in in the Europe and Japan. Although frankly we do most of our trade with Canada and Mexico and not those guys back down. If they don't make tax cut or treat their governments or lowered their entitlements or privatized their public services. Then. You know socialism is not gonna produce. Any more in the next ten years than it has in the last 25 years. But I can't I. To me about Niger come design using Europe as an excuse for lousy performance I don't buy it. Just tell me that that that that person has not done a good job one up by the FP 500. Are you buying the world economy here by the American economy. You're buying into growth they're buying into prop. I just look at assets have now look if the American economy were slumping again if the yield curve was inverted if inflation was 10%. Doubt be different if we Jack up tax rates. The way Obama wants done corporations fortunate. That we have a much tougher time and I'd be a heck of a lot less. Optimistic. So I'm saying our domestic policies are very important and our domestic earnings are very important. And right now the policies are not gonna go through. And down these earnings look OK you know over that 20% that it's that they thought it. So yeah I'm gonna continue to play it from the optimistic side I won't let Europe get in the way I just. Indeed that is the excuse that and by the way. Lower prices helped. All right well Larry I appreciate you coming on with us today and I thank you again and have a great weekend. I was Larry Kudlow from CNBC. And you know again when as as players and when you look at what is going on global right now I got to keep in mind that. The US is still the major player on a global scale you're still talking about a country. That does provide the most recent numbers are somewhere around 18% of world. Products so it's like you're you're talking about a country that does have the ability to still be an engine of growth for the rest the world. And as they're symbolic you don't have the growth in that four to 5% range that you like to see you are starting to see. What numbers that are ticking up and starting to point towards at least consisting growth in that 3% range written really which is. You know in the context of where we've been in. 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It's time for the financial exchange with Barry Armstrong in Kim Keller again from Wall Street to your street Berrian came in got you covered peaks the financial exchange with Barry Armstrong and gene Kerrigan. Welcome back everyone to the financial exchange terrific to have you with its on this Friday picture category in the sun is shining in most places today so you've got a smile on your eighth. Since just before unfortunately things are all part. Again. In morning talk a little bit more about that effect it's happening on Valentine's Day impact me up. On some of our local retailers and restaurants but first. We want to talk about just the impact. That all of this note chuck has had. On businesses and how businesses can deal with this award joint. I DNC snapper stone from inside performance and we're glad that needs to be with us today. You bet this has really been a very unusual situation disable east. Yeah yeah. You're right exactly. I keep saying to everyone if we just get through the next two weeks I think we've got to beat that I'm not so sure the next two weeks are really be tough. I keep thinking about just what has happened here in the office we are located. You know this is financial advisory group and they've had numerous days throughout the course of this is the last you know month but they've had to actually close the doors of the office. Right any huge issue that the employer quote that you know there are making it didn't whether or not enclosed in letting you know when that is the great invasion. And then the impact that it had you know I think being employed not paying employees. It's a huge financial impact of these businesses. Right well an egg you know and in the case of again going back to the office were in arms from advisory. Has been a lot of days were the doors it's remained open the employees are here but the customers are coming to clients have to cancel. Right right you know and that he had to think about what employee you know are coming into the and what makes sense in terms and you can work a competent and in that can service your customers. Is our latest servicer assessment is that from my. Sure he's gonna make but it didn't think ahead in terms of what how you can don't run your business without maybe physically being there and and company can't do that. Right right absolutely so and it's why you walk us through some of the things that you suggest to Samir client. Right that anyway I think one that are thinking at that period ended that company into decided. What does that make sense to close that might have been not and I think it can and get her a lot is an industry and what your question is where you're located obviously. But any company really need to take into consideration that are too late eighties and if you are having employees coming and in making sure that the area they say that he didn't and it didn't sample the war. You know this building if they think that Barack. And then he make the decision he is either closed or are they open their service. Roles in terms of how we pay employees. And they hit it head you know if you're keeping it your clothing for that day and you have not exempt employees. You know you don't have to hit a complaint but if you have exempt employees. And you don't you paid them their regular day. But you know that you need to consider you wanna pay them differently. In what we got them suggested you know just pay everybody including office. So there's some of their consideration to be me. I'm Fredricka as well. Sure those are probably decisions though that should have been made long for the winter ever rolled around you know if you have some reason that they office would have to be close. I nearly that you keep it private a lot of companies thinking Libya and it will be a and they taken on it like it is yeah. Yeah every Saturday is another example I think we're learning addicts. You really can't get it that would mean there really lighten up but they do have a case by case. Have you heard any statistics about productivity in New England in what we've lost over the last couple of weeks. I don't have any hard court backed that it had been talking to client and hearing and their story in terms of the retail companies clothing leaving thousands without the dollars. I'm as well as the evening. Business visitors staying open I'd have to reassign employees you know remove all. And can get their project that is that is a lot of lot I had an activity that really gonna hinder. Companies in the long term not and it you know it is not just sit in a steady rate over that we're gonna snap right out of it. Is busy really hitting them hard and they're going to be at for the next. Couple months. I know that you just mentioned that you're suggesting to your clients he paid every wanna get to close the office but what kind of suggestion you giving clients who. Our I'm I mean I'm sorry employees if you know this has become a hardship for them at home because I've been thinking about that so much my kids are older so it's not an issue but. You know if you normally would have children who would be in school and constantly schools being closed off and it. At the last minute in so employees are being forced to stay home with kids or make other Richards what do you suggest an employer do in those cases. Read anything and it into her exit for the night a lot of it simply don't wanna stay home anyway they want to come to where they weren't even in 88. So I think is important players is being proactively about these edited and how can. How can they have apparently working on. Be created in terms that technologies are so much that they can do it from all of and the employees need to think proactively as well though. Well I think you have on your plate what can be done after the opposite when he began in the opposite that you know we we had this weather report innovator in advance. Plan for staying home and think about those projects and you work on the project in the office that you need to get them lying there. The Penn State and the other that you will get done out of the office. That you can now have a productive day. It here at the opposite. An employee employer may need to and a little bit where they may not allow it telecommuting and be a bit more flexible in order to keep their operations nine. Apps absolutely I think that's probably the key right there because these these are not normal circumstances. Yeah you can be flexible you did the most important part is to keep the operation go. Our rates and if you take you so much for joining us replied that he could. Terrific to have you that's Nancy separate story she's from inside performance you had. I wanna talk a little bit about. The the impacted these storms have had fallen. We were saying you reach she sort of at the employer but you know some of these retailers and some of these restaurants this morning and we heard this. Chuck I heard a restaurant owner in the north and saying that that this has really interest. He said that they're losing 121000 dollars a day. And he said. Would've waited to win the storm is so bad and but even when it's not bad it either way it's not snowing right now he still losing money because people coming down your heart out. And he said it's money they can't make up because he's a very small when those north and intimate little restaurants so it's not like he can. You know packed the restaurant more. On Tuesday that he would radio is try to make it up on a Tuesday verses on Saturday usually have so much capacity and can only feel the Russia so much. And some days lost her days lost. And that he was talking about this in the context of tomorrow night and how very important it is because he was running through three different settings. To try to accommodate people in to maximize. I daylight Valentine's Day and now he's getting people were calling in who were canceling. It's just really a tough thing it's it these are not you know what we said this before but you know nearby car accident you'll go on Monday to buy a car because of BT's only bet you'll buy your car on Thursday. Like you're not gonna make up. A restaurant. No red restaurants and things like that again you can't make up those meals that get missed because people aren't able to get there and you know it's it's the restaurant industry's top business to begin writing if it's not something that's easy and so you start losing out on revenue like that. And it it causes major problems if you look at it you know especially the north and those places are packed everyday anyway you have. You you sound like you can say OK I'm able fill the place a little more the next day after. It simply is you do not have the ability. And I make up those dollars that you didn't turn on the. Well in the north and say in particulars really tough place because the walking space. And you know sort of parks and we are talking Arab walking if you're if you're trying to go in there like what's your format of the city you're going in track and field on parking. You just can't that's it and people you a lot of those little restaurants in the one that I was listening to this owner you know again he's one of those little ones that. Are adorable and the food is fantastic but he's depending on the fact that people are walking down the street. And golf what's going here let's give this shot right. And that's happening right now now you know I'm sure that restaurants like that experience that ties seem kind of thing you know any winter. To a certain extent but not not like they have over these last three or four weeks now. And this is again you talk about what we've seen recently. And you've had I'm the greatest thirty days snowfall in Boston history in sixteen days that you can't plan for that you simply can't sell it's an unexpected situation you've never you literally have never seen anything like this before. And it's unfortunate that it is affecting a lot of local businesses. And hope that they can and pardon the expression I guess the weather the storm down and continue to operate once they get through into this. Well I hope they certainly Keyon and this is not helping at all that organ of another blizzard. On Valentine's Day which happens to be pests water. Off it just stinks it really done so. If you you know we were reading through a lot of people were saying is to be built he planted. Cancel your plans to keep forcing note that they were gonna stick to it that they were gonna go head ago. You know I hope let's hope that this its a little bit later and if you have the ability to get out indigo. Support the restaurant that you made the reservations in because they needy right now. You know pitch one and still be around whispering that's for sure absolutely. Let's see here very quickly again the answer to our last trip question that we got to take a break. True or false it's illegal for grocery stores San Jose used plastic bags and the answer is. It's true. They cannot Torre knew that she sneezed on just economically today. Thank you dory for listing we really appreciate it we'll take a break and when we come back on the other side were going to be chatting. With the folks at CNET stay with us. Barry Armstrong and Ken Kerrigan. Right here in the prior to exchange radio network. A state in asset protection planning can be overwhelming word you start how do you know what type of trust is right for you hi this is very Armstrong and I'd like to talk to you about the law firm of Cushing Kindle and they've been creating a state planes for folks in New England. 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Investors searching for relatively low risk investment that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with an impressive one point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent -- why call 8776917. 900 today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more with the bank a step ahead minimum deposit to open and -- annual percentage -- as 1000 dollars Massachusetts residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member FDIC rate effective November 4 2004 team. 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Text your questions or comments or 686 AB it's Barry Armstrong and Ken Kerrigan on the financial exchange radio network. Welcome back to hide it. We've talked about what happened yesterday with FaceBook. I'm not FaceBook user trucks though I don't. They're this doesn't this doesn't. Making do with me but my sister lives. On FaceBook doesn't she really does just like business picked her ethnicity is related to. So honored. You argue it but I am I don't use the time and I tried to avoid it pretty much if law if at all possible. But I probably had on there once a week maybe twice weeks and the like well through the years. And their battle kinds of issues related to wean people pass away what happens to their digital lives there digital profile. And who should have access to that how you should go about that so FaceBook has now made their own decision associated with FaceBook. To make it easier for their users so it's essentially a living will yet to someplace. And pretty much what it does is it allows a user to state who is allowed access there account afterwards what they wanna do with that whether or not they wanna keep it up as something like a memorial or whether they want to have it taken down. And simply disappear from the Internet so it really spells out because they've been alive number of cases where. Even one family member would say look at wanna keep this up in another Owens has no I wanna take this down. And the end of getting into this whole battle in as we know with you anytime someone passes away. It's contentious situation shown people are stressed whether it's about money this that. And so this just allows people to say okay here's what they said and it's pretty much indisputable at that point right because it's back into the system party. Right is built into the systems he actually. Under FaceBook page or can be offered up an opportunity to state what you wanna do current chemical put this in the are you I'd I don't know I. I don't know I think he had to seems a creepy but it's easy it's weird for me because I don't use FaceBook so. And it's not a big part of my life so if someone in my family passed away the last thing I would be thinking about their FaceBook account. That just wouldn't come to my Debbie how there's a lot of people who yeah. There's a lot of people that don't pilots anyway and I understand you know because it is still it's it's an on line of record of them and you have to choose kind of what happens there track record so. Now in this okay so currently our prior to this living will option being handed down by FaceBook. Well what would happen. In a lot of cases of people would take a death certificate to FaceBook and say look this was my. Mother father and sister brother whoever may be please give me access to the account. Whereas this way and pretty much what you and access again there was no set. Policy in place as to what would happen there's so you have cases where a you know husband may say OK I wanna keep my wife's account round. But you know their sister might come and say look now I want this guy on and delete the thing a a lower at O'Reilly on their you know our attack things or whatever right so this just gives us it's essential policy that says look if if you want to lie set up. What happens after you pass away you lay it out and then people have to abide by it but the interesting thing about it is that you have. Sort of an executor if you will of your FaceBook page writing okay. So that person will have access to the page but they can't read messages is now trying to get it read things that were sent to you when they can't read private messages or anything that's posted publicly they can't read anything that was private they do not have access to and that's just again to maintain some form of privacy. If someone worked so those would never be written. They would never be read. Correct direct that that's what this is saying at least now. There's still people there saying look if you want to make sure that you get is taking care of being in a completely ironclad way included and will trust in the state plan or something like that which. I find that a little bit ridiculous I mean to be saying look it in the event that I passed away I want my FaceBook account to be handled by block but prior to this part of this is that what you had to do that's kinda what he had to do but it just it seems that seems borderline ridiculous to me. I'm kinda hoping that we just eventually get to the point where. You know it just. Either FaceBook is no longer here are no longer a major issue or it simply just goes away automatically because it's. I understand the concept of kind of an online memorial there's other places online that aren't you do that you know you talk about there are sites that you can put up an on line memorial things like that right and I just find that more appropriate that is a social networking site. Being that the primary area for an I think that if if someone. If someone really wants to go and visit an online memorial should be a memorial for to go do that that's just and just be browsing around basements I wonder what happened zones he's not here anymore so sorry for me that's just the right. How it if you don't wanna take the time to do it how good of a friend art. Yeah right he should be there to begin with right well. I guess the bottom line here is that FaceBook is mated so that tree it was don't have to worry about it you make the decision you take care it. I would imagine chuck before Tulsa then this will be. Adopted this kind of policy and be adopted by almost every online social. Yeah Haitian I think you'll and you'll see it in a number of different places I would imagine obviously Twitter and whatever else there is this map chat instead Graham I would imagine they'll all be. You know coming it was something similar because you are girls starting your questions from legislators who were saying look we don't know you know this is becoming an issue. Deal because we don't want to right right well I think that the and one of the things that they're trying to avoid here two's. You know if there's information instrument. The private places on those those sun. Web sites locations it doesn't allow anybody to have access to right exactly exactly. And it's hard to get some of these password after they've passed on let's. That's a major issue actually that you that started become a problem in the last ten to fifteen years as more and more people have been using computers that passed away is look. You have actively talking you know things like financial accounts email account whenever maybe. A lot of times people say look I don't have the password and there isn't necessarily a standard set right policy when you talk about something like Google and so forth. You know that that's what they were built to do they were built handle someone submitting a death certificate and figure this out that the bill to be an email sent to choke. It's it certainly is an area that's had quite a bit of gray area and I think it's good that people are taking steps to start figuring it out I think this is it's not this is going to be the final. Answer to the question of what do you do with these accounts but it certainly is a good first step I think that starts to get some clarity and I think other companies as I mentioned we'll start chair come out with their own policies over time to address the issue. Without any tips from central location where a loved one. Knows what your passwords are to some things because they're there are so many thing disease a password to get to yeah. They're there could be a lot of unanswered questions there can be a lot of you know financial issues and then taking care for whatever when you pass away because nobody can get to and there are there are and there are surprises that come to you that those log off. That that's what you see born Mormon or someone you know they say OK one axis of the FaceBook Cannell since I was having an affair was he and it will be spending money was to. And you start saying okay maybe this one since a good idea actually. That's that's an Internet it's it's all part of this evolving world that we live in when it comes to being on line. Another trivia question for you who was the San Jose State University drop out. Who went on and became a member of the band Fleetwood Mac. That I don't know. That I don't I'm not a big we would Mac fans in the San Jose university dropout who went on and became a member of the band Fleetwood Mac. If you know the answer you can text us 68680. We would love to hear from you got a special prize laureate coming up if you've got the right answer. Are still coming your way we want to talk with city councilor Steve Murphy. He has a Boston's counselor who's gonna talk to us about this whole BYU the issue going on Boston. And what kind of restrictions they'd like to put on it and hopefully we'll. Send. It's very Armstrong and Jim Carey yeah it's right here on the financial exchange radio network. 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To learn more with the -- a step -- minimum deposit to open and -- annual percentage -- as 1000 dollars Massachusetts residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without -- member FDIC -- effective November 4 2014 hi everybody bury -- -- here from the financial exchange I'm joined today by Ryan Fitzsimmons he's a sales manager Boston -- but we're here to talk about. The benefits of solar power Ryan welcome to the program excellent there Ryan I've heard that for the first time solar is now cheaper. Then utility power meaning I can get solar power off my roof. For less money than it would cost me from national greater northeast utility. That's absolutely right we at first time ever at the point where solar energy is dramatically cheaper than utility and utility makes this easier every year. By reason the rates yup blows solar power is getting cheaper and cheaper thanks to dramatic drop panel cost. 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Hi this is very Armstrong from the financial exchange recently I've been hearing many reasons why we should consider buying gold geopolitical uncertainties stock market corrections you name it I don't disagree with the idea of buying gold but I have always been suspect of the ants that I see on late night television or even the -- frankly that I hear on the radio I like to buy gold from local institution that I trust I owned gold and I bind my gold points from leader bank I walked right into any leader bank branch and I can buy American Eagle gold points -- bank is a local bank with branches in East Arlington Arlington center Arlington Heights of Belmont Burlington and Central Square Cambridge -- locally and buy your gold coins locally it just makes cents give -- bank a call and learn more about their gold coin programs 8776917. B 900 or visit leader bank dot com leader bank a step ahead not a deposit not FDIC insured not insured by the federal government agency not guaranteed by the bank may go down and out. Follow him on Twitter I'd KK carry him you're listening to Barry Armstrong and can carry him. On the financial exchange radio network. But come back everyone financially exchanged and I were talking about this but earlier was talking about this Q cafe it's one Scott doesn't liquor license and take your own wine ago. And you know this whole issue of liquor license in and BYOB places has come up in the city Boston. Roller globe more about where that stands in and what kind of impact them. He did Murphy's city councilor in Boston and we say hello first off counts armor being nice to have you with this financial exchange. Were you doing I'm very well sir thank you very much so. Let's talk about what's what's happening with this it is are we. And you're looking to try to restricted in some ways but it is something that you're finding people are supporting the idea of happiness. What I'm I think that there's a widespread support in the neighborhoods of Boston and and that's sleepy town what we set out to do was to strengthen. Our neighborhood business districts. We have. That liquor licenses are. Captain Boston and it capped through last state the state legislative process. So they are only so many people on the very expensive. And there are some Mabel who business districts that are looking for an anchor type of a business of restaurant. I mean I active speak for Hyde Park we have some. I eleven nail salons and or check cashing. Prices. Pose our anchor businesses. And down. I'd given my part and so we're looking to expand. Anchor there's an assistant strength of that business district could get stronger aid business district Peltier. The surrounding neighborhood so and so I'm Boston. There's one other cities in the commonwealth that has a prohibition. On bringing your own beverage. On the ordinance. So we would not need legislative approval. To just simply am. Their first step prohibition sure so compliment show wartime trial in order to pound. To a double yeah ordinance to repeal. Chapters seventy Aaron and it. By AM instead of group if they. Removing the prohibition. So we would be able to lull in certain neighborhoods. Are. Patrons to bring their own alcohol beverages aren't true premises and the city of Boston and there are a lot of to these are my country. Chicago New York Philadelphia San Francisco. There ball successfully implemented this practice and there are several. And competing power homes. Like Brookline at all they have that. Have a DYOP. Yeah. A provision in the air around town ordinances. Steve looking and so I think I'm sorry I'm running on on yeah. Steve Steve are you seeing any push back from businesses that do have those liquor licenses. That may be feel that now that this could be a possibility that they've paid an awful lot for something that they don't necessarily need. I. I haven't had any yet we can't march to call saying you know what you guys doing it cost me 300000 dollars for. And there is a valid point to that. But I think can be tracked of the neighborhoods. Business district helped outweighs an individuals. Right boulders. I mean it you know we have the Boston City Council was supposed to be looking out for the well being of the entire. Neighborhoods that we represented and that's what I think we're trying to do we. Because really Steve you're talking about more and used perfect example like Hyde Park you know you're talking about little tucked in places that. You'd you'd go in the neighborhood. What we've what we've seen came over the last several years is because there's such a dearth of liquor licenses in the city. That people. We'll go and buy a liquor license from like and he. And Knights of Columbus or something in Dorchester they sold Billick a license bristled at building and they'll collections. And the new owners relocated it. Not at lower middle spot downtown yeah because that's where all the action answer and we can't like thirtieth 35%. Our liquor licenses over the last six or seven years. Change from the neighborhood venue to a downtown and you. And down and that's hurt our neighbor business districts are so does this is eighty. Any part of the solution. In my view within council Michelle will lose. You to kind of bring back those made with business districts gentlemen. Has there been discussion about expanding the number of liquor licenses while. Well we just came true process that took just three years. With a legend. Bleacher to get access so that besides new liquor licenses which have all been given out in the past eight months OK so. We did increase our cap were up about 900. But it was. Just what's going on over on the South Boston waterfront guy. Backed at eight. A lot of the oxygen out of the political life of those. Sure yeah. Right so. I really need that there I think you're absolutely right I think there is a need for and I think it's I think it's a great idea it's there's a very specific target. For this I don't necessarily anticipate that a great big restaurant is gonna open in downtown Boston it's going to be DYOB in fact. Would this restrict that from happening. Yeah anybody who has a localized and cannot be part of the BYU will be a ultimately that is the restrictions sure. And it would there be any other restrictions associate with. Well we haven't really worked out that deep you know we just loaded it and we're not gonna Google public hearing that was gonna hear from me. Boston licensing board which. How Old Dominion. With a bears opposite it used to be appointed by the governor but recently was. That appointment power shift it to the mayor. They are going to commit and probably help us with five in retool this thing and so that them. We'd make it is as perfect as we came there and it not a perfect world in. Sure I would think that you'd want some level of restriction associated with the location in tandem with the may be the size of the stamp. Smith and I think I can square footage would be part of it I think Curome. The city of Boston should have been forced an authority over it which is something should or should have. Rules and regulations. That they promulgate. Four it. And then. Those of and most of us could have. That we're looking at now and we'll get more in depth as a healing process goes on it'll be in the first few weeks of march I think we hope to have this over to the bear by the middle of April. Are thinking so much for coming on it's really interesting and I hope you're successful because. I really do believe it that would revitalize some of these little downtowns and some of these outlying communities like yours think. I think to be a terrific thing for them are. Very great to be with their accuser paints. I I you know I can see. Where they would want a certain level of restriction you don't line. We don't want it to be a restaurant that serves a hundred people you know like NC a hundred people necessarily can you dispute that places that are maybe forty people. Pretty used to talk a hundred person place and you know I can't absolutely be brought their own ground. I. I don't know exactly. Little intimate places that you know people can like boosted their dad the neighborhood place and go really wanted. It would revitalize. A lot of just like he said Hyde Park that has all these nail salons but you know having little restaurants that little local places that you can go it. And have a nice dinner with here in Alfredsson and telling your wine in a little. Now exactly it gives people an opportunity whether they want us to a local Arabia from another neighborhood come in and take a look. And I simply have the ability to bring something at a lower cost I think I think it makes a ton of sense because then you're still. That you think about it like this if that business doesn't have that ability that a person just stays in and has a couple of glasses of wine in her home so. He gets more people coming out that maybe wouldn't have previously and it's a way to get people on spending money in local business. You know that I'm not like trying to promote the idea of alcohol consumption in the summer I'm trying to say I like well let OK that's fair. But what I am saying is I think it it's been proven time and time again if you have a sit down restaurant restaurant not not like a fast food like to get to have a sit down restaurant. You have to have an option of serving glass of wine or serving some kind of beer or something. What can you typically is gonna do you view it seems on this fast casual places like shake shack. Dan beer and why aren't they absolutely you're even seeing it moves slightly into that type of target audience at this point. And I think that to continue to give places more options is always a good thing most definitely. Our we're gonna take a break in when we come back we wanna talk to you guys about. It. The phenomenon that is fifty shades of gray we have to. Well and listen I'm not I'm I'm not a huge fan of the whole thing either but we're gonna chant about a rat and yeah I just once it was all about article the next. Moved it after the break. And this is the financial exchange. On the financial exchange radio network. Are you ready to retire the question is actually more complicated than it appears because it demands consideration on two levels first there's the emotional component are you ready to enter this new phase of your life. Plan for what you'd like to accomplish or do in retirement second can you afford to retire will your finance is support the retirement lifestyle that you want. 8668106422. I would suggest you call now 8668106422. Securities offered through securities America ink number finreg as a PC in advisory services offered through securities America advisors thanks very Armstrong represented at arms and advisory group in the securities America companies are unaffiliated. Boston Solarz a leader in providing solar energy solutions to residential homeowners and commercial property owners throughout New England there has never been a better time to look into solar energy for your home or business with continuously rising electric rates solar now empowers homeowners to slash or eliminate their entire electric bill Boston solar has a free guide that will detail all of the benefits of unlocking the financial powering your whole call 8666989323. 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When it comes down to a state planning do you need to revoke Coble trust do you need an irrevocable trust and what's the difference you know needs an expert advice and they put it together free guide that will help you decide the best plan preview this free guide the differences between revoke global and irrevocable trusts is yours for the asking call 8668. Or 85699. They can even show you how it's possible to eliminate your state taxes I love that part call Cushing handle right now to get this free guide 8668485699866. Eight or 85699. Investors searching for relatively little risk investments that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with a impressive. One point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent AP why call 8776917900. Today or visit. One of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more with the bank a step ahead minimum deposit to open and earn annual percentage yield as 1000 dollars Massachusetts residents only penalty for early withdrawal including iris penalty which may reduce earnings rate subject to change without notice member FDIC rate effective November 4 2014. Well best in business isn't right here. This is the financial exchange on the financial exchange radio network. Valentine's Day tomorrow you know some people use Valentine's Day is. We'd really I guess rekindle. Their relationship at the probable phone if it had frequently beat it by trying to rekindle. They end up getting in more trouble because in the spending money they don't have or they shouldn't be spending. Christine. Nick Cole. Love ya ya Nicole vote. I call yet. I've actually already spoke into the professor. I spoke after a few minutes ago and you're you're gonna be shocked when you hear where she is located which sounds like he goes against everything that she's talking to us about when it comes to celebrating Valentine's Day. But listen in to which has just. Well we are so pleased to have with us today at Boston College assistant marketing professor's offices are steam because. And doctor thank you very much for joining us. Hello Monique and thank you for getting you bet now you just mentioned to me and I want our listeners to know where are you this morning. I. Argued Arabic or you're just visiting. He's home and visiting my husband's sick to hear so keep an eye on things as well for you there now. Now you've got exactly what advice couples not due to being. Spend a lot of money to get together at the decent it is it's just. Absolutely. Just a little bit. About Valentine's Day is just really hit it would be terrific for couples but he can also turn into real financial conundrum. Yes that's it if it does sound. A lot of the separation of Gaza are speaks at a pretty expensive sometimes. So that causes instant couples how they can make sure that they hit a good thing but they also don't have that runs on financial cost shores and we're talking about that. What's your sort of suggesting is like that idea that let's have the ultimate romantic Valentine's Day will take some kind of crazy trip. We're here I'll buy you something that you know maybe I shouldn't be buying right now and you even go so far some couples as. As to take the money out of a retirement fund. Yet that's been. So little time what you suggest for couples. So what what I want to mention puss is that in many couples and the apartments and to be financial operas it's so we can't spend up. Who is the prison school spends money put into us and then we hit the sailor boys though on who is more concerned about the financial well being called a couple. So when they can't make joint plaster rock guys did that it's a program because. Is such decisions is 62 in the spend a whole compromises. And his leading to give in and in those tree dead apartment in order to make him hip kicked. But that's creates a problem so what a good advice might be put put disabled to date the shade you. And did you make the last themselves afraid that partner. And they invest say they can make sure that they keep the spot indebted nation shipped. They can make their partnership that they can also make sure that they go horribly just an optional. Dot little coats deadlocked and go store and close. Yeah they make the decisions he feeds a joint decision to end it it's going to be the Saban was going to lean that disease and I'm going to end up spending a lot. My needs right right. Well yeah right and like a nice night out for lovely did her and maybe some nice flowers and candy and and that seems to be memorable enough in some cases. They finished it. You know I was so surprised to to read. Did the percentage. Of couples who get divorced over finances. I had about 8% and they think a lot of the problems of that is that. Couples just to make a lot of time to see is nonsense in those decisions it's it take to the loss of anti Oprah who we used. And also I financial put financial decision was look well. I need to plus financial outcomes in the stumps and then they create a conflict in the copper also. Why why the is that the spender. Has a tendency to win. What does that can't be just pushed aside I said it Timmy why it is that this Bender is the one in the cut in when it comes to couples has a tendency to win. Because. Oh wait Kennedy's financial operas it's the AM going to lean towards different seasons. And 86 to me that's how. I just want to focus and squeeze the sailor who can say okay our relationship is more important and that's not I don't got them going to compromise and deviant and let's go to produce a mounting allegations simply to make you can't picture so put them right let's keep our nation has its Q. Let's mind our secure now can I ask you does that bring down along. The lines of male and female or is kept in the spender be anyone. Yeah doesn't it took him episode dispense the candidate you want it it's not I didn't edit the judicial conduct of the amount some compromising them totally into deviant but did they took it doesn't method as long as the price of its price opens opens on quake took a compromise. So it. Very quickly here give us your suggestion the couples who are listening right now what should they do for Valentine's Day. Going to have fun and love pizza didn't make sure that he'll keep your financial. Well being. Also in mind when you do those decisions. Absolutely doctor thank you for joining us and we hope you have a terrific vacation. They just think you can hear it. I thought it was so funny that she was doing it overtures saying don't do she'd she'd gone to Bangladesh to see her husband bought bear a special Bulgarian sort. For a special on vacation. I bet you bet and what she had to say is that true I mean oftentimes people think oh gosh I've got to really make it splash and so I'm gonna buy them. I don't believe in bounds and you don't do it god I don't go to. I I believe look at by wanted to do something nice from my girlfriend I can do it Tuesday Wednesday can tell he's Ryan Ayers sat all of my life all my married life and not been married a long time apple is centering Indy. You know like it don't don't it would announcement tickets I'd be waiting for now I. I'm gonna I gonna get a regular cartels but yeah Valentine I flowers look at everybody's okay look you want flowers okay it's Tuesday may when he got up from school Diego. Perfect. OK so I bring it when it counts yeah. A case of very quickly fifty shades are you read the book the book at the movie coming out to essentially tonight yeah they're projecting 45 to sixty million dollars in weekend sales I think that is a drop in the bucket I think they're gonna get somewhere between 19100. This is way bigger than I think anyone's estimating mostly because I think there's a lot of people that are saying they're not gonna go to with an icon ago. Like it's like reading a book he was that they were gonna read about. But I want to fuss was about and what you think. I can't say that on the air well I can't say what I thought I didn't like you know welcome. I don't know I thought it was I was through those images it just kept it we went back again we get going again and again and again it. To me just after awhile it's got an. But could you imagine maybe you like an eighteen year old girl who's trying to sitting on the days out now at eighteen years old sad part was I had a lot of women who my friends. Who were like oh my god they couldn't wait to they could not get to the store fest and a real second book Ali. I was shocked convert and I would imagine most of those people are lined up of the lineup tonight in the outs yet. Alive. I have no desire to use him in now. I don't in Libya it's going it. Only two movies of the last probably a long time and effort people talk about these trailers for the movie young American sniper ever was talk about it is so well right and then. Everyone was waiting most pro you be the same crowd that went to see Americans. I don't do this. A I'm guessing there is zero cross over if you saw Americans over there is no chance you're going to see fifty shades of gray at a. I think I've seen American sniper 15100 times over before they flock to see. Did you integrate connect on demand and for. I won't even see it then a opt out. Have a great Valentine's Day everybody please be safe in this weather will talk again.