Jun 19, 2014|
6-18-14 Full Show by Barry and Kim
Transcript - Not for consumer use. Robot overlords only. Will not be accurate.
On average this is very Armstrong and I'm joined today by estate planning attorney -- -- -- from the law firm of Cushing and Dolan with your financial exchange quick tip of the day. We're talking about the top ten reasons that you need to have an estate and start off with this one Todd. How long does it take to move him to -- through probate and more importantly what does it cost. You know on this is really one of the biggest questions because. We start at the bottom part is the first part is that. It takes about nine months to a year. No you can't that's uncontested proving that -- uncontested pro makers that's right it's it's a long process to statutory. And then how much of the constant that's the real life. Because. It is our -- generally as much as -- -- -- to do flat fees it's generally cannot probate. Don't know if there's going to be litigation you don't know if somebody's gonna contest so the better approach of course to avoid it altogether but. The cost the I had you know. Two to 4% I saw when I was 6% of the two million dollar states it was a 120000 dollars on two million I mean it does just that probably cost very well could be -- it's it's definitely you know function of a percentage of them -- you. Well the probate that so the percentage call at 4% on average and nine to twelve months. Exactly for the better way is of course just a void that whole process you don't want to be marching down to probate court dealing with that whole system. You can completely circumvent that system by doing Europe they -- so that's one of the reasons we do and if they play. Very good advice. Request this brand new guide it's made available from Cushing and dole and here's the phone number you call 8668485699. It is the top ten reasons to create an estate plan. 8668485699. Call now 866848. 5699. At the top ten reasons that -- -- times are changing in your retirement plans are changing with them hello this is very Armstrong from the -- to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 401K plan with a match you're responsible for planning your own retirement this involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with the ten step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors -- Barry Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliate. Hi this is Michael Graham does your car that -- mileage on a lot of treatment the trick in that boat. This -- selling or trading it why not donate to local charity right here in New England. Take the first step by calling helping kids of America 888881909. For more than seventeen years helping kids they don't maybe easy -- It's 100%. Tax deductible to -- -- didn't vehicle when you're not you can help support some truly amazing charities like meals on wheels. The association of blind citizens and sacred -- missions. Remember your car has high mileage it's time to get rid your boat don't treat yourself with donated to deserving local charity I calling helping me today. -- become your home and pick up your vehicle for free. The process has never been here. So what are you waiting for. Call now to schedule a fat free pick up today your home. By calling 888881909. So that's 888819090. Or help. Millions of -- dot org. The experts at Web.Com what to build your business a successful website for free just like they did for these Web.Com customers we've used -- and looked at other website designers. But there's nobody better than -- dot com. Web.Com can have your website built for free and -- running in his little seven days plus promote your site on all the major search engines like Google Yahoo! and -- if you're in business today and you don't have a plan for instance you won't be taken seriously call now to get your website built for free -- after thirty days you're happy with your new website will continue to provide promotion -- support and maintenance -- just one low monthly -- if not cancel and pay nothing. Call 855254. Site. 855254. SI TT. 8552547483. Or go to Web.Com. Slash radio. -- was -- -- portrait of -- and that's an equity what you flight rights to the tech relinquished -- cancellation unless otherwise purchased. -- Okay. -- its hold on your checkbooks and did your portfolio break. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hi everybody welcome to. Mean we've got a busy show for you today I'm joined by him here as always and -- this casino story keeps getting more and more if you were to have. An opponent. The casinos joining us in just a few minutes early to talk about it that's going to be real. Fascinating interview and then following up to our conversation yesterday we got state treasurer Steve Grossman. Coming on the program in the second hour to talk about why he is the best democratic candidate in the field and why he should be. The democratic candidate. Over Martha Coakley isn't gonna ask him some hard questions. -- just asked him you know just how far. He thinks he can push going after her when she's got -- -- she -- polls well we'll find out he stay with us because we'll find out -- -- What's the -- were today they'll need the -- the. Lead story of course -- -- with the Fed's gonna say later today yes right right right yesterday they released a few odd numbers are projection for growth that kind of thing right -- So we're anticipating what they're gonna say talking a little bit more about the taper is what we think we'll -- today. Well we'll learn more mean to tapers can be done -- the end of the year they're going to be out of the bond buying business and I think what we're gonna learn cam is that that lose. You know. It was a lot of rhetoric but it didn't have a big impact right now with the market is waiting to hear leases is by what I really want to know is. Win -- interest rates going to began -- right and based on what I see you know Ali it's one of those economies read it two steps forward three steps back on the Ed Schultz report we got -- today. -- was was pretty strong rain for -- -- our jobs opening if you continue antiquity pirates say. Look at the economy continues to strengthen he had unemployment down below 6% 5%. Then I'm probably gonna start to raise interest -- when would that be affecting gas. It would be -- 2015. Maybe early to say about this time next year. -- that you know that that's -- -- it's based on what I know nationalism a lot more than I do but. But they won economic indicator it's pretty aesthetics is that something you came across a story this morning kudos to you. Yeah this is so athletic say fourth quarter of their profits rose which says that ground shipping is up yup. And that means so odd to me anyway that he commerce is up. I'm people lost their money in which the retail numbers last quarter now -- that strong need a lot of people in their money on them. Well and it's -- this whole transition. With the American economy but as FedEx and UPS ago. Those are built right so so what the American economy right if they're doing well and that's why if he'd look at jet would Janet Yellen is observing she's looking at those companies she's looking very closely at Amazon.com because those are indicators turn. People in -- a job at the mall anymore beer and it'll work and an Amazon warehouse OpenId you know you're -- the FedEx drivers. You know they're they're running in their work and in the making a lot of money -- your UPS driver FedEx driver you get a lot of overtime you effectively work as many hours as you want and eight. Our patent for some reason. Beard there happily do that as opposed to hiring a lot more workers in right right right it's really interesting that the they still. FedEx and UPS have been slowed a higher full time workers and it's almost as if the CEOs of those companies don't fully believe in this -- That's my answer. It's almost like it's -- holiday season year round which is so you know that's it like he says that's a good thing for the drivers are making some extra toe. But -- don't you wonder maybe get to have to do. In that has to do with benefits that they have to offer it does I would rather -- guy over time that have to -- some on pole for him. Without some of these guys -- doing that either the the problem he had -- -- seat he gets to the point where your -- time you're better off now. And -- full time I figured C. If if these numbers hold out I I think all picture. You start to see UPS and FedEx announced the hiring plans. Next month if they're gonna get ready for the year and pushed his last year that number 88 they did not hit. There are delivery dates them you were mattered Amazon is really you can yes sir. In and so I think. My guesses eager to see Amazon. FedEx and UPS all announced major hiring. Plans. Will -- Food inflation for those of you eat meat poultry fish and -- rockets to an all time high. -- this must be killing you read it to kids eating out of house and I do I do and it's the truth but they're at an all time high in choose. Have you -- it like for example chicken we need a lot of chicken house. It has more than 15%. Increased in the it's it's price in just yeah. -- still able to get bullets chicken breasts. Less than two dollars down that you know while we're getting lost in 2000 pound body back. In just the dead near past we were getting it for a buck up. A tree or knows the biggest change would be in beef. He's right you are bison steaks and to -- state. Or you wanna -- Steak tips and I'm not talking about going whole foods -- are invaluable OSHA laws you write for Stop & Shop. That's that's expensive you know -- deeply if you've seen a pound consulting I actually amount that would -- -- -- -- -- -- -- 56 -- Perspective. And for -- at -- should be pain. 910 bucks. I was over whole foods part of steak tips we were entertaining -- -- I -- I -- -- -- really good -- how can I tell you something and you know it first and winning with the intention of throwing some steaks on the girl I looked at that and I thought about 45 dollars right slight drop down to thirteen dollars a pound for the state -- Mean that's. That's ridiculous I thought to myself I'm so angry because they have a little butcher shop that I sometimes go too which is a lot cheaper right -- you know next time go back there I love whole foods but having said that you know that's ridiculous so. And I just came across this. You know a lot of people are opposed to obamacare but not this group. Average Obama care subsidy of 3312. Dollars of those who have signed up for Obama care if you wanna know what the average subsidy. It is for somebody who signing up it's 33300. Bucks is the so that means that where there there were signing up. What folks who are. Lower income lower incomes and older and more income you could be which could be fifty years old. And you have income of 70000 dollars and you'd get -- picks -- some -- for your health insurance adjuster to equal that they hoped wouldn't sign up right and -- But that's you know when you when I look at. -- I've met a lot of people. Who are very happy with obamacare because they lost their job when -- 62 we still have three years ago right and they're not making much money anymore and obamacare has allowed them to buy their health insurance for 500 dollars a month as opposed to the 2000 older pain previously well so. You know for all the negative news associated with Obama care for that select group sharp. Is it that part of thing it's been -- -- -- it has been an absolutely -- -- here's our first commercial announcement attention CD holders that are frustrated with interest rates teetering. Aura around here -- I don't know anybody is frustrated that. Position benefits. Has been offering secured bridge loan investment -- give -- 6%. For twelve months call fives early 8660280. To get the email information and get it now I know thinking sounds too good to be true. And that's what I thought too but after researching how CD rates were 86% in the year 2010%. In the year 1981. It all made sense. Whether it makes sense TU. By calling now and learning more by 088660280. Calling that number allows you to walk in 6%. For the next twelve months. Ask about eighteen and 24 month programs as well secured bridge loan investments are safe secure. And are very short term interest checks multiply and diaries are OK too. By 088660280. These investments are not FDIC insured. But are highly secure to protect your state money from needless market risk. Begin earning 6% right away these investments are limited purse supplied call now 5088660280. That's fives early. 86602. 80. I think we're still waiting for our. Yes yes so before we do we're just talking about health -- -- just throw this out their real quick please. Actually give innocent folks on the free insurance that thousands of bay staters are getting. And that those who could not get -- in world because of these issues associated with Theo web sites. -- cost the state ninety million dollars. Continues to climb. Can cut into the budget big time if he continues to -- Just to give you a sense of of what we're talking about -- what happened was from may to June. Number of people who were temporarily being insured because it couldn't get rolled so we had to cover them. So they were on a Medicaid. Program. And they're paying their doctor's visits but we're playing on the premiums. That went from 51 point seven million to ninety point five million dollars. So not having that website up and having all these issues not only. Is costing us. What we're paying to try to get the website up and functioning which you have any particular and rightly know what you put a dollar figure on that. She now ninety million dollars to cover everybody who got that insurance because of. You never hear anybody fess up and say released. Yeah I have you given her governor come out and say -- I really screwed that Olympic effort to governors say is that. You know we're gonna take care of that were we. Yeah ninety million dollars of an and you know what I gotta tell you something at this point my feeling about Mary and I bet you want people listening feel. OK if you can't get the darn thing -- and that's just flip over the federal. Model and going to get on with it so we can start. Recouping some of -- money which we're never gonna recoup but at least not putting that out every congressman in his tax dollars that. There weren't putting towards something else right it did it would have been slate for. Before good or -- -- but casinos where RU one whole casino. Well I I got -- type IE I want casinos because I do think it's gonna generate -- dollars for the state -- it's going to be Pozen acting the positives will outweigh the negatives but having said that. I understand why people. Are starting to really weighing in their support for them. This has this this long period of time and this struggle that it's taken to bring these casinos to this state. Has really scraped back some of the facade and I think we're all seen some of the dirty little secrets below the surface. Then there's a lot of dirty secrets -- our guest is Derek barks account ski. Now -- as I understand it is he music at the the ringleader for opposition. To the casinos and he joins us this morning on our program -- -- -- gray area could get. So. It sounds like you have enough signatures now in order to get a repeal vote on the November ballot is that correct. Well we we -- -- final trashed all our investors are concerned. We needed the admit eleven out an additional signatures on top -- we admitted at all. Our bike today we were able to collect over when he picked out then. However we're still waiting for yet at -- he decision. On the -- -- will allow it to go on the ballot in November. And that decision is due to come out of the SJC in July is that correct. Correct. -- What did you learn this weekend up from what I understand -- you you got a lot of signatures out of the Democratic Convention in westerners actor. It is you know it just surpassed our expectations we have a able -- active at all. And I gotta tell -- we eat we were it not that -- That's very at the you know one point oracle line of people line up but -- nomination paper. We were giving out -- we were getting out but then that and the response. Beyond our expectations and you know people people want to wait if people want to -- -- on the ballot and even even -- of the folk are not buying that you know they're. Looked indifferent or perhaps leaning toward the -- think -- you know they spent volume now. I can't have the daily killer of older sister -- you know it's not a big issue that bullish yet Ed Mueller. They're very bit yet I think over half. Now I find this interesting -- because these delegates are all Democrats right right and the bill was passed the original bill. Was passed by Democrats that's right several years ago right. So would two what do you attribute the change in sentiment here. Well you know -- -- -- -- that it had become such a such a big topic and you know. Part I think if you look at the headlines and in the media are the date of -- The last week and ask you want then you know what happened with that there -- outcrop B application prop eight and are part of the -- and all the community -- rejected yet you know proposal. And just a lot of -- negative press -- on the all the oil industry in general look and act Connecticut and you know there are you know reducing our Elaine May not simply another -- are buying bankrupt yet. You know it'd be acting -- that but just realizing that it is is that perhaps not a great yeah. And at all in not -- any -- and I mean. You know all over America being -- yeah. The number of all that load that crew went from jumped from 37 order and respect. And the approval rating went from -- you want and -- -- and that is that better you'd (%expletive) and no matter beat mark I think. And -- being what happening you know brought the country and then on backyard and realize that is perhaps not a perfect yeah. -- let me ask you why why are you opposed to where do you -- -- And it. Kind of console other -- -- your backyard. That would have been -- backyard I acted acted. Think that you know it did it impact if you know the community that is negative I think negative I'll wait the -- -- bad. You know. I I also believe that a lot of there always have been for being their only problem that are here to add. Our jobs and revenue and look at -- -- -- -- in mind that it's coming through the it did it -- and a community that might you know took a contributing to the -- eight. This has mind that coming out of pocket. People there who think our mind you know that did not act revenue -- that it might get a lot. I eat all oracle they gambled away and I don't think that this is 88. White race. We're yanks gonna get your money to fight to casinos if it does go to or repeal Balkans the casinos are gonna pour millions and there's this thing. I can't imagine you guys have any money. Well you know we we we. -- regret effort and -- where are where are you. Going to get your money you're gonna need. Twenty million dollars to beat the casinos minimum twenty million dollars where will you get your twenty million dollars. Well we're not we're not going to raise one million dollar I believe that we little comfort that mind you without -- were. Effort and how popular in the crowd and the statements or try it at choate has demonstrated. Now we have a really strong base of the week at over 250 people collecting signatures and we got an assist from every angle -- Communist state. And a lot of that money that it's coming into our camp and is it you know what I thought -- eat dog -- -- incremental. -- -- I mean we you know we have enough money cute how much you know -- up or how much money do you have now in your coffers. I am not able to get that question. I am I'm not. Running the financial aspect of the campaign we have enough to cover are expected in now the next -- though we're probably talking now. Maybe 4640000. Dollar at a remote small. -- who you know believe basically have we have had enough the proper -- and you know -- pocket -- -- convention and that -- things of that nature and a you know a campaign that. But it's you know it's so want Florida ballot we we. -- that you know that. People -- -- we're waiting and is -- what happened that. This is the financial support will be out there but but we are honest and I would long awaited battle with -- with a -- that are not bark is on the ground. They're very accident about this issue and not knock it in and night about one million dollar check. I gotta I -- thanks Erica appreciate your time. We get a -- hurt her eight you don't let the I disagree that. Rightly he'd bet he I applaud the the effort I -- and I think. The governor and I think the legislature made a huge for the state. Not making this a referendum -- -- from the several years ago absolutely this -- -- -- huge issue in this state and voters should have had a chance to -- -- and. You know with that said -- Alaska Alaska all everybody the question. Do you want the casino repeal vote to be placed on a ballot this November and this is an arm our question of the day TUR one and -- What you guys think I you know I got -- -- -- if it goes to the -- ballot I'll say this right if he gets on the ballot and I still think. We will vote in favor of it -- -- because I think the casinos have. I know that the casinos had endless resource -- current deal throw millions and trillions I I throughout the number twenty million dollars that. It doesn't matter how much it costs yet your absolutely right if again if it goes. The sentiment right now might be that people want an opportunity to vote on. But I agree to a 100% once biscuits on the ballot in fact -- The push by casinos and keep in mind. -- -- -- They are or under construction here for the for the it sounds Springfield. Springfield could start in July could start in July if if they. They're gonna throw money into this. It's gonna re convince people who supported it to begin with me. It is a good idea will you remember to ask Steve Grossman hasn't pressure of having absolutely illegal put on the now yeah I'd I don't I wanna hear what he has to Martha Coakley is not. What I wanna ask him is why does he think we didn't get to vote on it to begin with why why do big issues like this. Why they decided on Beacon Hill I mean when -- something it's like changing the perfect example. We can decide what they let us vote on whether we're gonna have -- in grocery stores but we can't vote on whether we're gonna have casino gambling in the state. -- -- -- -- -- What are we just -- evidently. Evidently they choose which issues -- Smart enough to vote on which issues were not Smart we got to vote on whether we thought we would -- cork a wine bottle at a restaurant. America but we could not vote on something like this which is is like she altering for a lot. That's the one reason that I would be in favor of the repeal vote to show it to teach the politicians Alexa number I would learn it but. I I just think it would be a great message to send. To Beacon Hill say hey you guys we want to be able to vote on these important nations and I think that's important I agree. Anchoring -- well will remembered ask Steve Grossman. That question. -- it is time for your first trivia question of the day you have an opportunity would have a couple these tickets left. Is brought to you in part by Boston Duck Tour so if you're the correct answer of this question you can win a couple tickets. Wind did the U Iraqis purchase the Boston Red Sox and Fenway Park looking for the year that they made that acquisition. Our text number is 68680. You have your choice between. Boston Duck Tour tickets beach towels he can also have the T shirt or coffee mug. Win did the -- purchase the Boston Red Sox and Fenway Park. We're looking for the year that they made that acquisition or text number 68680. Also wanna remind everybody. That we have video from the Cooper meeting in Cambridge that's gonna be posted on our web site which is variant can dot com. This is the financial exchange on the financial exchange radio network. This is very are strong and I'm joined today by estate planning attorney Todd what's -- from law firm of crushing and dole and with your financial exchange quick tip of the day. We're talking about techniques that can help protect your assets from the nursing home I have to ask you if your spouse. He goes into a nursing home or you had to keep any of the house assets of thinking about I've heard the term used. Community spouse resource a lot -- -- got two million bucks and your spouse was another nursing home hunt for Hamachi allowed to keep. You're sitting down I'm ready it's a whopping 1171000. Dollars and change at a two million. Two million and remember it doesn't matter the only assets it dump everything. On the table and not your name would feel we have a million is still 170 yeah they don't care. There's still get a 170 if you'll uttered in at least get to keep on infinity the but at that point is it's not a lot of money known political rescue iPhone it's certainly not invest you know what it's like to generate income for people. It would generate income that a lot of money just difficult. So that's what they leave you with now they only allowed the institutionalized enough to keep 2000 -- so that even -- So up a 117 folks I'd like to see protected but of that two million that you used in your example -- I'd like this do you protect all of that aura an alien you know where advanced planning needs to come in but it is the last minute situation. Please don't go to alone there are some things that can be done last minute to save the assets. Otherwise you'll get a 1171000. For your life Jerry. Do yourself a favor and her requests this brand new guide available from Cushing and all -- the phone number is 8668485699. Protect your assets from the nursing home. Call 8668. -- 85699. While your assets go to the nursing home when they go to your children your grandchildren your nieces and nephews call 86684856. 99. The experts at Web.Com -- to build your business a successful website for free just like they did for these Web.Com customers we used in and looked at other website designers. But there's nobody better equipment -- Web.Com can have your website built for free and often running in his little seven days plus promote your site on all the major search engines like Google Yahoo! and -- if you're in business today and you don't have a plan for instance you won't be taken seriously call now to get your website built for free if after thirty days you're happy with your new web -- We'll continue to provide promotion -- support and maintenance all for just one low monthly fee if not cancel and pay nothing. Call 855254. Site. 855254. -- ITT. 8552547483. Or go to Web.Com. Slash radio. There was no portrait of -- that's equity what you -- right to take relinquished what it is and unless otherwise purchase. I had to London and appear worried about your character -- living alone like I was. And you are reliable senior care information. And call a place for mom. The nation's largest senior living referral service you'll get free information on assistant living alzheimer's care nursing home. Even important financial information. They had obviously researched every place not just given -- -- They Downey plays her which she could afford and it was magnificent. We're now. Very confident that she's safe and they just helped every step of who to thank them. So if you're struggling to find reliable senior living information call place for mom this is a free service and you can trust them. If you are struggling to find reliable senior living information for your mom or dad. Didn't call or go online to get the free help you need during this turbulent time call now 804677530. 804677530. I recently met a couple who had a thirty year fixed rate mortgage at five and a half percent. I suggested that they refinance with leader bank. They were Smart they used a ten year mortgage two point 99%. The monthly payment was a little bit higher 300 bucks thank. But now they'll be debt free time attorney 65. More importantly they reduce their interest rate in saved more than a 180000. Dollars and interest payments. Why make the banks rich when you can put that money in your pocket. -- leader bank it 7816418600. And -- for the ten year get rich mortgage at 2997816418600. And by the way -- I -- that would leader bank there are no closing costs to qualified buyers. Call now 7816418600. Or visit leader bank dot com. Three point 14%. Annual percentage rate rate subject to change without notice all alone subject to credit approval member FDIC equal housing lender and -- lasts for 49250. That's the sound of people throwing out their old. Recently installed unit and was stunned by the difference I had a. Say good bye to your. 888964. Way satisfaction guaranteed. Just go to -- house now dot com or call 888964. W a TE 30 yeah. It's okay. Breaking business news first. Barry Armstrong and Ken Kerrigan. On the financial exchange radio network. Breaking news set at the nation's capital. -- -- -- Mississippi story -- It's a big story because I think there's in the a lot of fallout associated with it at the United States Patent and Trademark Office. Has canceled six federal trademark registrations. For the name of the Washington Redskins on what basis ruling that the name is disparaging. To native Americans. This is really an interesting -- situation for those of you who have followed the story through the years this has actually been going on for quite some time. This case was brought forward by a woman by the name of Amanda black horse in hand. She. She filed the suit against them in an effort to block their trademark. It's not the first time they actually rescinded the team's trademark back in 1992. But a federal court overturned that saying that there were technicalities. That had not been brought forward. The plaintiff came forward signals have been fixed and his prop 22 years later yes good for her. So. Today she won now is this the end of it I can't imagine I mean. I would I would think the Redskins will go back in and continue to try to fight this. I mean you and I were talking about a minute ago just just based on on finances might just I wonder. What it would cost you but it will cost that team owner to change out. If that's I think that's a minor cost I think the what it does is it makes Redskins definitely very. But that had -- that's not going to give it a go -- I. I mean I got a few things -- history of. I mean I just think I think they're gonna fight it for. More than financial costing their fight for the whole idea behind it and how do you like because in this kind of missed the top court -- Users that well I I would imagine that. I mean this is the United States Patent and Trademark Office I would think you can take this tedious JC couldn't you. -- -- or he will undoubtedly this has been an issue for years sipping out of North Dakota. -- the problem with the university. Needs to be called university in North Dakota fighting Sioux. -- needs to tourists that. Well that that the issue right here in the state they have we have issues animal over it which sounds there's a couple of high schools. That have they have had issue it is well you know so on. But if this if this stands this'll be the beginning of a lot of these. Schools being forced to and indifferent to sports entities being forced to change their names. Well we had the the Yankees purchased Bentley park and the Boston Red Sox in the year 1933. Who knew the answer that. -- isn't it do you associate him. Lou knew Lou you and load do. He's from Winchester and we thank you very much he's taken Mattel and cloudy day like today everybody ticket now it is hot out there. Did you see the this list -- just got published about the top schools in the state of Massachusetts. The bottom schools in the state of Massachusetts. When we start with the good news for so these are public schools -- districts it and this is published in Boston magazine a number one school which I believe has been number one for a number of years by the way -- when school district is Dover. It's followed by -- Lexington at their combined high school overture schools combined schools. So they should be just the number one spot and temperature should really be Lexington and she Carlyle. Box Borough. -- Concord Lincoln west for Wayland. And Wellesley at the top ten that's a good -- of the big money counts those. As the big money to the bottom and -- no surprise Lawrence worst in the state. Followed by Chelsea Everett in. Brockton Boston Randall. Expressed. Surprise Boston. In the bottom old Nolan. If could she have made this and smaller rapidly as he apologized at least he's at a house. In that period per huge apologized profusely but where -- summer build a thorough crappy schools. Does it and it's not the -- And evaluate them based on its exports -- -- the -- -- testing out well you know and I think that probably comes down. Mean let's just face like he -- just a moment ago that comes down to dollars poor student. Dollars per student actually you can argue against that what you look at around midfield. The one of the lowest dollars per student in the state rate the just the adults spend money. In it was ranked very high. If Victor Ned field saw -- 3060 chicks want Scott and I am looking -- -- right now and their arms and it is coming in. Yeah. Sixty. If you want to ID text that's what talent you're tested and we'll try to get it out Tia Adam what we can do is what do you keep a list -- give all through this list over to you. We've got all the schools ranked across the state Texas the name of the town you want. And then Kimball later in the program tell you where your school -- guys. -- and we can also it's per pupil expenditure is not here so we can give you a sense. How much money if they're spending on each one of these kids in the it it's really breaks it down nicely tells that graduation rates. It tells the class sizes and and also tells on these yet I think it has awarded. Do with family values him than it does with how much money. We're kind of support what kind of emphasis is there. On education what you get -- you come home from school. Is your mom there helping you do your homework is your father there kicking in the rear Dmitry good -- why it is I think there's actually good -- but I think that don't you think that comes back to dollars. Mean you know I think more highly educated. Communities. Right well are you talk about dollars in household per dollar spent on the kids at the school system dollars and household as our primary now. But I think in education household. But that I think that usually translates nineties -- as an example but typically that translates into more dollars going into the schools. Well you know. News event that's debatable it give you like a look at. Look at the dollars being spent some of the really bad out you'll see that it's really high they spend. More money at some of those bottom ten schools they do want to say this is -- looked analyst the pupil per pupil goes down down is going to visit I mean time we're drug. We started 171000. Dollars over in Dover would lead down to it until now hang on here in it now and now here's here's a freakish one. In Cambridge actions he averages 88 they're spending 26000. Dollars the highest on the list system that so that's -- that's. But that's not the norm no they go down to the bottom ones yes we go down to the bottom ones here and rocked and we're spending 121000. On and in Lawrence were spending thirteen. He had not spending much more than that in midfield. And I think midfielder Adam looked up what -- -- and in that field. They didn't do so quick analysis on this but I think we're gonna find him is there's not a direct correlation. Between. If you know get all the sudden because -- spent 27000 bucks market rate you're not -- and have great schools you have to have and we currently -- I agree that there has to. He's important household let me tell you this though a what I am finding out more than anything here. Is that he would reach out spins the rest of the states. Almost double -- the average dollar per student nominee say looking at this list. Is about 121500. That's about average in the state cuts that would be pretty accurate. 26300. Is that some. -- will do some quick analysis on it tends to send us the name of the town that you wanna know where ranks. In Massachusetts I apologize I don't have the New Hampshire listed the main list I'll work on it. But send us the name of the town I promise you in the next hour and twenty minutes Kim will get your towns ranking help to you. You know assuming we can find -- 68680. Is our text number when we come back we're gonna talk stock with Aaron Davis from Morningstar. And -- Barry Armstrong. Right here on the financial exchange from the U network. Yes times are changing in your retirement plans are changing with them hello this is very Armstrong from the funny to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 401K plan with a match you're responsible for planning your own retirement this involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with the ten step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. An advisory services offered through securities America advisors thank Barry Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliate. When it comes to retirement planning you know the difference between the accumulation phase and distribution stage hi I'm Derek -- our co-founder of SHP finance. In your working years your financial professional specializes. In what we call the accumulation phase there experts and helping accumulate your wealth while -- working. But if you have less than ten years before you're ready to retire it's crucial that you meet with a financial professional that specializes in distribution. Since 2003. At SHP financial. We've been helping clients transition to the distribution phase of retirement we -- clients to create a retirement road -- With a complete plan for your income investments healthcare. Taxes legacy in more. So if you're within ten years of retirement or retired give us a college SHP financial the schedule complimentary no obligation consultation. A 5087446185. Or log on to SHP financial dot com. Hi I'm dying parent and I'm a senior Medicare patrol volunteer. Our program sponsored by Medicare and the US Department of Health and Human Services help seniors trying to protect themselves from Medicare fraud and scams. For instance if your Medicare beneficiaries. And you're approached with an offer of free medical equipment or services watch out. If it sounds too good to be true it probably has call 1800 Medicare to retorted and go to stop Medicare fraud dot -- To find lots of useful tips and important information. About new fraud fighting tools that Medicare now has thanks to the health care law. Huge resource is to help law enforcement cracked down on criminals and return tax Payer dollars to the Medicare trust fund. And how you can get involved in the fight against five. Gotta stop Medicare fraud dot gov and help make Medicare stronger for all of us a message from Medicare and the US Department of Health and Human Services. Who's watching your home when you're not there it could be burglar or burglars prefer to break in when they think no one is all and no one will stop them. Don't be an easy target for intruders protect your home with a free security system monitored by EDT the leader in home security. Call now and get free hardware free medical and fire alert and free activation it's an 850 dollar value call right now and you'll also get 63 sensors that six point -- protection for free just call protect your home authorized EDT dealer at 18889873232. You'll get 24 hour protection and there's no cost or parts or activation. Call now about a free security system monitored by EDT. Call 1888987323299. Dollar installation charge 36 month monitoring agreement at 3599 per month total package includes six store windows sensors labor charges may apply call for terms and conditions to this offer and protector on license numbers -- 18889873232. Well Campbell and Twitter and taking -- you know it's Barry Armstrong. There again on the financial exchange radioed Edwards. All right it's time for stock talked and we are joined by Aaron Davis from morning star she's gonna talk to us about 84 and ED York. But it -- trade in the US. Good morning -- -- Good morning great. How are you. Fred -- you like this Lloyds Banking Group data. I can -- to take these things quietly like -- prefer to that it operates in a great market it's that you gave beat ill focused bank. And mocked yeah the state -- thinking racquet is very fragmented there's a lot of -- and it's hard and I get competitive advantages it's not -- that way and many other countries including in the UK. And the UK Pakistan in a large banks that dominate the market and so they are able to compete there was possibly and I. And the -- -- the largest cities and -- by its underlying profits tend to be very good Erin returning and equities and -- 20% in the retail business. How how are they in turn -- lot of your people are shying away from European banks altogether -- and I don't wanna buy any of these things two things settle down there. RI is it safe to dip your toe and European banks. I'd like in Janet a lot of the year ending -- the problem -- a big sign that might be I mean. All of our -- -- future -- And blame isn't one of them eleven days start implant four -- and all that I think is likely to -- -- -- UBS and tightening. And -- The Democrat you know whether yet posted ever gonna come back and they think -- -- is definitely at the state and the bad actors these are. And then you also like bank in new York Mellon is that correct. And the -- melon is insisting -- not being cycling in my traditionally think of and it doesn't tap into our people can go in and out and opened checking accounts. Instead it mostly -- corporate and institutional customers. In its biggest businesses have to -- thinking. But -- institutional customers like mutual in tent city. It seek custody of these assets that the investors all protecting like spot in -- The end of but I related administrative services like collecting dividends or recording closing price. Until that sound like it very boring business but is actually very opposite -- And encouraging -- In the yeah. Yes they do. He then and that they have asset management firm Q but at the county businesses really that big -- there. Well probably all two thirds of the company. And -- and custody thinking is that it is bad. Really technology in -- -- those eyes matters immediately known as the biggest of the big. But perhaps more importantly reputation really matters yeah there's almost no room for error so don't -- is going to cost them billions of dollars to start up testing. No they're not in Andy that they're trying to go head to head with fidelity -- in national financial. -- didn't -- did their -- is -- and has is in hot pink and that big. Competitors are in -- island state seat and then. Media day in court and that they act more diversified. All right so what is the symbol for be in line. Beat me. At a traffic. Is gripping about buying -- keen to just. So this is a 35 dollar stock with a 2% dividend would would you think that might go to. I think that it whereas thirty and I. And you -- the market can though it ever hit a little bit and that's what do you know about a 10% discount to what we think it's where. Very good hey thanks a lot for your -- we've always appreciate your time earning your intellect. Take -- up -- enjoyed being here. Aaron Davis Morningstar joining us today and the financial exchange when we come back -- I think we're gonna have some school rankings for you if you want the ranking of your school system -- the taxpayer. -- and you know it you're paying taxes property taxes in Walpole anyone know higher school system is ranked -- that's our text number is 68680. Can Kerrigan has been. Rapidly researching how you or schools are ranked will spit that out -- and just humans. Can. Business news first Eric Armstrong. KOU network. Effects and we met he came in the fifteenth and was wow. He informed me fishing you know this is vehicle which. God -- use to bring my life together. And. That is powerful -- it went -- and make CNN met my husband today and -- -- out. -- Christian legal dot com today and find God's not treat you. Joining is easy and free. So go to Christian -- dot com today. If you're like millions of hardworking Americans who decide that the craziness of Wall Street and Washington were too much to deal with so you retreated to cash them listen closely although the idea to protect yourself was good. We are now are realizing that earning next to nothing in the banks just won't cut it. Alternative investments that provides safety and interest is high 6% just may be perfect what you're trying to do I'm Derek -- message. I'm -- can turn those lousy savings accounts around call 5085915444508591. 5444. Or visit us on the web at www. SHP financial dot com. Every day that goes by we don't earn money at the dollar continues to shrink in value is chalked up in my book as a loss turn the page on low interest rates but thousands of new englanders have done over the last few years. A look forward to helping you -- call 5085915444. That's 5085915444. -- Page elite so -- -- -- Nelson who -- just -- here jamaat I got your newsletter pretty fancy photos coupons to and was it. Hold melons silly I these Constant Contact and really. Constant Contact dot com it's so easy they make me look like a million bucks and emails -- really work oh yeah they got you when he today didn't it. Trichet. Constant Contact dot com plans as low as fifteen dollars a month with a free sixty day trial. Text your questions or comments this X 8680. Fuel into the I'm stronger and can carry him on the financial exchange radio network. Others and he just look at the facts associated with -- and I made the statement that I hadn't. Done any research I -- -- hey you know what thrown money at education. Does not necessarily make for better schools are crack. Fact checker mr. Adam for under orders -- doing some research. And Adam. When you look at it I live in that field -- listens on -- you lived in midway it would -- schools how when of those -- pain emperor cricket. In midfield at 111364. And in many ways it's close at 111641. Yet -- -- Gigi knows what's got him visited 121500. A year that's slots that's the highest of those three. And then goal how much are they spending wasted 27000. Bucks and came verdict like almost two point six look at the what are they spending in lord's cricket. It's -- ranked at thirteen 1400 and things that they're spending more per child in Lawrence so it proves right it's not what you spent per child. It's what the family values are what is happening when you come home from school. Are you coming home. And you know old mom's a drug addict or you coming home and -- kicking your chance to do your homework act at I think that has a little aborted due. -- these kids are doing in school. And you know that the the political answers -- just put more money right is this throw more money at it -- and fix school doesn't work it's got to be spent more time. At home. Then they do at school in. That's that is the fact. Write him City Council is thinking about given a raise to the police and fire commissioner what are your thoughts on this. Island City Council Mariah it right yet. There's actually committee that first is is looking at that hasn't gone to the full council quite yet it's coming from Marty Walsh and the reason is because. The dead police commissioner Bill Evans. Makes less money than some of ringgit five like I found this interest in 36 police officers. Make more than 200000 dollars a year. In 100 Boston Police officers make over 175000. Dollar a year. And -- Evans took the job he took a -- now he makes a 174000. So but they wanna do in the course is no fire cheap right now. But once they do find a fire commissioner. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Right and -- barrack she's back on Capitol Hill which he gave that she didn't say anything last -- -- -- this time. I don't know I think she yes I think she is I think she's gonna talk more this time around about town. You know what there inside findings. Actually revealed and I think she's gonna say that it was a culture of some really bad stuff going on there. And you know we issued an answer who do you think is directly responsible. I don't know that she's gonna do that usually death before Q did you throw anybody -- -- -- you fired about as she did in -- me. She made name names this go round in the meantime though there are on mainly members on Capitol Hill also testifying in Paris just -- A couple of reports about that to just kind of get updated in the very emotional. Very difficult hearing to witness. Which can only imagine that. Imagine the it's not about the money in the -- it is -- and -- every day and eat it. Like who's going to jail and yeah I do and you knew my kid was interest rate it -- partly -- -- go to jail. That's all one and. And it just somebody to go to jail who is it with their name element legal for I don't need my check -- even keep my check just tell me who's gonna. -- we get some answers on a school rankings and stuff I don't have a examining where we have a lot of people looking for Winchester which is ranked thirteenth in their price is 111800. -- -- -- that's it's it's -- -- the -- again in this is I hope everybody -- you don't have to spend 27000. Bucks in the chamber spent 27000 dollars and what would they ranked by. Hundred there's a terrible. -- Is he spent all the money in the world and he. -- here's the yes second trivia question of the day. In what year was the first all star game played at Fenway Park our text number 68680. In what year was the first. All star team played at Fenway Park when we come back or be joined by. State treasurer Steve Grossman he's gonna tell you why he's a better candidate for governor. And Martha Coakley that more coming up -- it -- Find your favorite news photos and sports updates on your phone with -- HP mobile from the Associated Press the new AT mobile is now available for free and iTunes AP mobile where the news gets its news hi. -- -- -- -- From financial focus tune in each morning from eight to nine right here and AM 11:20 am thirteen 98 and debt money matters boston.com. Times are changing in your retirement plans are changing with them hello this is very Armstrong from the -- to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your own retirement this involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with the ten step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for a prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors thank Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliated. Some nights I can't get to sleep some nights I can't seriously if you -- some I can do both. You do some sleep -- are clinically proven to help you fall asleep 33% faster and keep you sleep longer -- you get a more restful night's sleep. Meet with an ingredient not found another leading sleep aids -- some sleep -- are safe and non habit forming just one -- takes the uncertainty out of bed time giving you this -- you need to wake up ready to go. You know some sleep just fall asleep faster so. A this is very Armstrong and I'm joined today by estate planning attorney Todd -- -- from the law firm of Cushing and -- and with your financial exchange quick tip of the day. We're talking about techniques that can help protect your assets from the nursing home. Taught what I wanted to talk to about is this term like the state I've heard people say well. Just gave my home away and I kept a life estate in an effort to try to protect my home from my home in my property from the nurse. While I do have one good thing to say about that term that I suppose if they did that as much as I don't like it. It would ultimately after five years protect that house what did you like it. I don't like it because it's in the kid's name -- care anyway yes I get to divorce she got a problem you can get the divorce she got a problem and a financial problem today's -- -- financial day of exercise and lose your house you lose your honey you you've given your house to the children. Never mind what if what if you wanna sell. You need their permission. And then if you get a salad a good chunk of the money is gonna go to the kids they get an early inheritance and all you wanted to do was downsized -- launchers mountain and move into a smaller house. Not only do need permission you lose the money you gotta hope they give it back. And really even if they're wonderful kids and give it back you look at that a capital gains tax liability of the children don't live with you. Number -- your eyes right guys -- from. You to capital gains exclusion don't have that for the kids that don't live with you folks. Like the State's fraught with problems I know they've been done a lot of the past. I think going forward under the new rules we don't do -- nearly as often as we have the right. Learn how to protect your assets from the nursing home and request is brand new guide from Cushing handle and the phone number is 8668485699. Learn how to protect your assets. From the cost of long term care call Cushing in Dolan had 866. 8485699. And they'll mail you the guy protect your assets 8668485699. Are you tired of the small 1% returns you're getting from CDs. Money markets and other traditional safe investments. What if I told you could -- fixed returns of 47%. On investments that are secured by top financial institutions with no market risk this is -- -- -- SHP financial and the host of road -- to wealth airing on stations throughout New England. If you're currently sacrificing. Higher interest rates in exchange for safety it's time to consider alternative investment for many years our clients -- -- financial have taken advantage of exclusive structured settlement transfer investments. That offer interest rates as high 7%. There also backed by some of the world's largest and highest rated institutions. To watch a video about how these alternative investments work. Log on to -- peace settlements dot net. While you're there you can download the free structured settlement investor's guide. For free guide in online tutorial log on to SH peace settlements dot net debt SH peace settlement. Dot net. Held 3 AM you guys really are always there between you were seven that's like that is the my mother could. This is the accent. Detect and stop. Text. You know Christian at least saying ma am pleased to pop up following. Top. All okay Christian -- back. State farm is there for you 24/7. Like no one else get to a better stay home 100 state farm today. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Trying to sell your old car instead donate your vehicle to heritage for the blind pick up these furry and your donation is tax deductible just call 1808958035. Heritage for the blind accepts cars vans trucks and boats whether they run or not donate your vehicle and you'll receive a free three day vacation voucher to over fifty locations. Call 1808958035. At 1808958035. -- We're always hold on your checkbooks and get your portfolio break. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Welcome to the second hour of the financial exchange lots to do here we are going to be joined I think we just got pushed back by Steve Grossman to 1130 hours after the break so 1130 you have Steve Grossman talked to him. A lot of folks asking us to address illegal immigration with Steve yes Leah writes that down the clarity castaways. You don't like to ask about -- Tel hi are popping in state from 1130. Until we get off -- -- I have a lot of people asking him to address that issue and what he would do about that I just a question from -- anyone -- I am trying to -- does this person's exact terminology I am trying to escape tax accused sits. Would you suggest I go to Maine or New Hampshire. New Hampshire is the last bastion of fiscal responsibility. Out of all six New England state Rhode Island as a -- Massachusetts where you know Massachusetts's new high tax state -- is very high tax state because. The don't have much industry in me right in the view I don't know if they even have one fortune 500 company. Vermont is is become very socialist over the years Connecticut is -- it out of all. All of the states I think the two worst ones are Rhode Island and Connecticut you spent some time in Connecticut you find out would hike taxes girl. So New Hampshire accurately if you wanna stay in New England. New Hampshire the last remaining state. Where they have fiscal responsibility even -- it with inching about New Hampshire can't even the Democrats in New Hampshire. Tend to be more fiscally responsible is that's my personal observation. Fenway Park. We're talking about right what year was the first all star game played there it was 1946. I don't know who. They not a lot of people knew that. But if you got that answer one I saw one person 71 came in 1946 of somebody. In Italy you know who was when we find out. I'm looking at the price of oil right now and I've got oil at 106 a barrel. Real threat to him based on what we see going on in Iraq that you could have oil prices hitting 120 dollars. We got oil refineries on fire is not good you know when that's -- you guys are Baghdad. Just outside there and that's when that they're bigger world refineries. So I am you know that -- We're gonna have to keep an eye on -- it's gone up pretty dramatically right. And it's system. It could be one of those things where you have European and Asian oil prices going much higher then American oil prices a couple of reasons. Our consumption. Is flat to down -- End we are now less reliant. All on foreign oil and I think this is the whole situation in Middle East to -- the silver lining here. Is that I think it puts pressure on the president to approve Keystone Pipeline. To bring stuff down because that's unity trying to figure out what's this Keystone Pipeline all about all about being bringing major oil reserves down from western Canada to the United States which. Further reduces our dependence on foreign oil I don't consider candidate before country right just right -- certainly -- from Middle Eastern yeah I'd much rather do business with Canada. And then in the Middle East so I think in and when you look at that. On every ten dollars that the price of oil increases by. It causes eight point two percentage point decrease in worldwide. Gross domestic product. Here's who should be worried about what's going on in the Middle East. China and Japan would suffer the most from any job. Through exporters in the Middle East. And they're they're the ones that have the most two to lose. You know you never hear but the Chinese going in descending or -- -- -- makers know they certainly don't that's -- and I think they should. Non event finally wanted to target unit jokingly. I said several weeks ago about Ukraine. And and and what's going on over there they have finally figured out the ukrainians have finally figured out how to bring Vladimir Putin. To his -- yes they have we have to do is blow up a couple of those pipelines which they have -- yes -- -- there the ukrainians are starting to now. Disrupt energy supplies between Russia. And Western Europe and by doing that -- sudden Vladimir wants to talk just death because that's his -- certainly that's right suddenly he's calling the president of Ukraine -- and we -- let's talk about this let's do a deal. Let rights let's do it do. I would get people who are asking me and him are you going to now. Some of the school rankings -- run through a few of them shortly OK so we just told Winchester which was one that these -- some of that you've been asking for which was. Thirteen on the list and again they had about 111800. Dollars per student. West Borough is number seventeen on the list of 141000. Hollis in his number eighteen on the list with 121000 dollars per student. Belmont is number 23 they're spending right at 121000 dollars. Acting is number 24 -- spending about 111500. On the need -- number 32. On the list spending. Thirteen 1600. And over is 33. Spending thirteen 1600. We have seen them on the list at 38. They spent 111200. Arlington is on the list of 45 spending almost thirteen thousand dollars per student. I think a look at Franklin at sixty choose their spending 101700. Dollars. I'm Cantonese 63 they spent thirteen 1400. There's always envious of Franklin. Because -- better hockey great next that this. Yeah in high school district -- -- -- ten grant they know how to do they certainly do new report is at number 67. With thirteen 1300. Just to give you some on the perspective on this folks is a 147. School districts that are named. So like -- ideas were reading off where your school falls in the list. Dead in the 72 with 151500. Dollars. Ipswich at 74 with 111300. Easton is it eighty threes they're spending 1019111000. Dollars a Wilmington is at 84 and they're spending 121300. Cambridge comes in 88 on this list spending 26305. Dollars per per it is just nuts. Lot can tell him when you look. At your average grades for their SATs. -- so which shocked they're reading SAT averages about 500 to. There and to -- with the middle one is their math SAT. Drops down to on 497. And then there the sciences around 500. Is that somewhat surprising to me North Andover is at nine the and -- and 111500. Pembroke is at 94. With 101302. Expiry at 107. They're 121000 dollars bill Rick is 110 and they spent 121600. East Bridgewater. Is it 116. Spending 101500. Dollars Winthrop at 117. Spending 111600. Dollars. Just about their folks fairway this year. Whitman is at 119. Spending 101500. Quincy at 120. And they're spending thirteen 1005. We -- is at 141. And they spent 115. We've got Medford 125. -- it's been thirteen thousand dollars -- -- at 129. Spending 121700. Revere at 131. And they spend. Thirteen 1300 Holbrooke at 132. And they spent almost fourteen now. So the worst of the schools CA just hope everybody's paying attention -- I've -- just watching and in following along with you can. As you go down these are big we're now down in bad schools territory right. And those that are probably reconsider underperforming underperforming schools are spending more money than performing schools just why you have to pay attention to 100. 47 on this list is Lawrence as we've mentioned they spent thirteen 1463. Dollars per student. They have SAT scores of 400 for reading she's. 396. For man they get that desperately needed for rate paid 400 just for signing and it's just it's it's a lot of -- they've got issues there that's -- -- All right here's an important announcement from SH chief financial -- having. A workshop seminar dinner. Tomorrow night that's June 19 at the cafe escape drill that's 26 Cambridge street in Burlington Massachusetts. It's 545 registration. And 6% at 6 PM there's a presentation. And there's also dinner being served. Here's what you're gonna learn. The two essential steps to retirement and you're gonna learn about ways to make sure that you'll have retirement income for life. You'll also learn how to protect yourself from significant stock market declines. You'll learn about discovering your risk of vs reward tolerance level and how much it would. Here this is really important what's a safe withdrawal rate from your portfolios talking to somebody about this yesterday at a million dollars saved -- B two million -- it. How much can you withdraw. From that portfolio. On an annual basis that it got to learn the cafe escape -- you do need to reservations so let me give you a phone number to call. It's 5085915070. That's 508. 5915070. Sponsored by SH OP. Tomorrow night Thursday night. The -- they escape drill in Burlington Massachusetts again the phone number 508. 591. 5070. Call now make a reservation. And I think you'll enjoy it it's chock full of information -- 59157. Is -- Phone number. The very quickly we've been asked a number of times about marble it marble head is at number forty. And I would miss that tops field Masco and other 31 so sore throat and very quickly -- has no. The number of you've been asking so it's hard to go to -- I think we're analysts this are we put this post is so Boehner I think we should and I think we -- to people that are on the question absolutely. So -- -- can have him that post this it's very Kim dotcom. And you go to burying him back come and check it out on pedestal time after the show and and will be posted there right. Kim in medical news today in what today will we do is you can go to this website as well medical news today. I go there and I look first site information that I think would be of interest to our audience. Certainly any woman is going to be texted in this next study. In a talking about the cholesterol bust Angela pair compound were talking about it rightly so it's a cholesterol busting compound that may halt breast cancer he tell us anything about. Well I didn't know this but I'm colon cancer cells -- cholesterol to fuel their growth -- -- -- you know all cells have a certain level of cholesterol and remembering that's what we have what's called good cholesterol vs bad cholesterol but what they found out is that it actually fuels growth. In cancer cells so what they're doing. Is they are looking for these cholesterol lowering drugs. To actually go in and kill cancer stem cells and top stopped tumors from progressing and it seems to be working. And I'm proud to say that this research is done at University of Missouri is a final moment. Nobody seems to be working you know it it it also. -- period also. Reinforces the idea that a healthy you is a healthy use so if you keep your cholesterol down and keep in check. It's only gonna benefit you for all kinds of things including your risk of of cancer and breast cancer. Well induced is staying in shape it is another article in science daily. It suggests. That walk -- -- neighborhoods. Reduce obesity and diabetes so. If -- do what I glean from that study in science daily is that you know if you live. In town in a city ground and it's not safe. To walk outside or not conducive rate it's not a nice -- it doesn't look on the highway red -- to get out and moreover it. But if you live in maybe a rural area or if you live near a T go to new York community that Central Park. And the people are really active and. In New York in Central Park -- I wish we had. Moore park like facilities and of that magnitude I have to tell you when you go to new your. You walk along the streets new workers they lock they walk everywhere they go there they're pretty fit to be -- I mean have a good friend who lives in -- pocket there they are near there but they're difficult to deal with annual rock and industry with a but my friend and her entire family lived that they their own car they -- everywhere. And they're all very fit at favorites car they need and in the week -- to go out and that's what it comes just in Boston go to the Hamptons or come up and does care. It is the -- the -- many studies. That the show you know like if you wanna reduce your cholesterol and you -- reduce your likelihood of diabetes. That you know we have to do is get some exercise and watch -- eat there is pretty basics that it is pretty basic you know we all -- -- for the pale. We're all looking for the you know the magic. The magic information and the bottom line is can exercise and here's a brilliant idea. As the Education Department grapples with the proposal to rate US colleges. A nonprofit group is recommending cutting aid to schools that fail to improve on metrics. Such as completion rates and loan repayment. What took so long to figure this. Well it's a group of nonprofit brain surgeons to come up of those ties here. I mean if if you graduate kids if you can't keep a bit and get a graduated in why in the world should -- be eligible for for a. All the money I wasn't aware of the numbers -- -- share -- with it. A hundred. Eighty billion dollars annually. Fools from the federal government to thousands of schools from the highest performing to the lowest performing with almost no consideration for performance. Acceptance of low income students graduation rates or student loan repayment measures this according to Michael Vandenberg. Co author reports. Group's director on higher education so. I just what you listen to that -- -- when they're doling out the money frightening actually they do not considered the performance of the school. They don't considered the acceptance of low income students. They don't look at graduation rates and they don't look at whether or not the kids that grow go to that school ever pay below the event that's never. Factored into the decision making process although he's suggesting is that those be factored in. Here more than fifteen billion dollars in Federal Student Aid funds. Four year college dropout factories so we're spending fifteen billion dollars a year. On college dropout factories these -- schools with six year graduation rates that are below 15%. -- -- six years you've been there right. Six years and diploma mills were almost 30% of the students who leave with debt are unable to repay their loans so. You know I hate this state the obvious but. -- it well it is the idea common -- that but the funny thing is nobody seems to be catching on. It's just common sense this is kind of what you do right. In an effort to make sure that you're not wasting the money right on kids that are never gonna pay back never gonna graduate the 50% graduation rate after six years I mean I want to play. Isn't the idea of of a college to get a -- and then get amount with a degree in hand and ability to go out make a living and be a productive citizen. And it kind of I think that's I think that's the general idea. There's a a vision and Casey Ross is to -- reporting on this from the Boston Globe there's a vision cam. Story skyscraper. To be built and base station. You like this. I love this idea. I love it for a couple of different reasons like that all these things are going opened in back pay penalties skyscrapers and I think it's it's -- just this this skyscraper. Would be owned by Boston properties and they'll build it. OK so Boston properties would build it and they would make it a lot of like that down stance down. Steers part of -- the lower levels would be retail. And then ultimately would go up and you would be housing in this country. Under the office space whatever whatever they would decide they want to do with. But they would also maintain. That she stop -- -- they would take care. And it would be third in what we -- will ultimately I think I've be a number of -- stations. That are operated by private entities. Currently -- station and you recently visited just risen and I wanna tell you it is amazing what difference there making there. And on negotiation. Both run by private entities so if they build the skyscraper there are they're gonna maintained that he station. So. Any we have a new skyscraper we have new retail we have new office space in new residential space. And then we also have somebody else 1990 stations as a component of our pocket in -- is imagine a better way rate they're privatizing. It. So Boston properties can now make a profit by running it sounds good to me -- The profit incentive lead to a better product you that it -- And he'll just be better for everyone substation is you know now. If you go in there you'll see if you haven't been in their for awhile there almost trying to turn into. Not just a place where he catch Tori but a place where you can if you if you work in downtown Boston. It's a great place to go for lunch they've gotten new little restaurants in there there -- constant sort of the destination. They're putting in I believe it's a big huge. Walgreens -- think it's -- among CVS apologized. But they're they're putting in a huge. This you know. Stored there are making it very very nice and I think that's great great for everybody and and it's great for taxpayers for sure. Special when you hear this next story state auditor said that the Massachusetts Bay transfer transportation authority the MBTA. Could have saved more than eleven million dollars and three major station renovation projects. If the transit agency had simply crafted more thorough designs and -- community opinions earlier in the planning process. -- taxpayer money work. -- when you hear stuff that they did these three stations you say to yourself who is running. Business. I mean honestly my thirteen year old wife think could have run this a little bit more efficiently it's talked -- cash money to. And more maverick who currently for cash or they decided they do when -- said he was just really -- just decrepit. And they wanted to do something that they were just gonna make some cursory changes just to make it a little more appealing for people who had traveled through there. Well guess what the commuters the people said no don't do that do something with this place it's gross. So they've already put this money into it to me they're just needed to give it a facelift and will. And then people can mountains and no don't do that so they ended up putting another 2.2 million dollars into the project had they just. Asked commuters asked the community asked people what they wanted in the beginning or privatize the. They don't privatize let somebody make a profit it would have been you know you would at a Starbucks every station. It would have been it just it would have been just so much nicer and they would have been able to him to listen to this. The 72. Percent. Of the project. Overruns. Could have been avoided. 72%. Auditors to terms 72% in 98% of project overruns are always gonna be small but they could have been avoided had they just plan that. Just your taxpayer dollars or -- there's no profit motive they can. There's nobody the is nobody's money on the line taxpayers' money who cares just the taxpayers they're stupid and I taxpayers never vote they don't do anything about it. So who cares. -- here's your third trivia question of the day what baseball pitcher has the most career wins at Fenway Park. You know the answer to that question you can text us your answer 68680s. Or text number. What baseball pitcher. Has the most career wins at Fenway Park our text number is 68680. When we come back we'll be joined by. Well state treasurer Steve Grossman but he's running for governor. That's next. This is 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 CDs leader bank is currently offering a fifteen month CD with an impressive one point 25%. -- for new accounts with these kind of rates now is the ideal time to take advantage of this great opportunity from leader bank to learn more about the fifteen month CD with a one point 25% -- call 7816463900. Today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington -- more interest on your money today stopped by a leader bank branch or call 7816463900. To learn more -- -- a step ahead minimum -- open and current annual percentage yield is 1000 dollars Massachusetts residents only penalty -- early -- including -- penalty which may reduce earnings -- subject to change without notice member FDIC. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 54 port four times are changing in your retirement plans are changing with that hello this is very Armstrong from the financial exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your own retirement. This involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with the ten step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors and Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliated. Hi I'm -- -- and appear worried about your character Loveland living alone like I was. And you are reliable senior care information -- call a place for mom. The nation's largest senior living referral service you'll get free information on assisted living and alzheimer's care nursing home. Even important financial information. They had obviously researched every place not just given -- name is Dave Downey plays her which she could afford and it was magnificent. We're now. Very confident that she's safe and they just helped every step of who -- them. So if you're struggling to find reliable senior living information call it's for mom this is a free service and you can trust them. Help you if you're struggling to find reliable senior living information for your mom or dad didn't call or go online to get the free help you need during this turbulent time. Call now 804677530. 804677530. The experts at Web.Com -- to build your business a successful website for free just like they did for these Web.Com customers we used in and looked at other website designers. But there's nobody better that went dark. Web.Com can have your web -- built for free and -- running in his little seven days plus promote your site on all the major search engines like Google Yahoo! and -- if you're in business today and you don't have a plan -- you won't be taken seriously call now to get your website built for free if after thirty days you're happy with your new website will continue to provide promotion -- support and maintenance all for just one low monthly -- if not cancel and pay nothing. Call 855254. Site. 855254. SI TT. 8552547483. Or go to Web.Com. Slash radio. There was no portrait of him that's an equity over the place right to take relinquished what it -- and unless otherwise purchase. That's the sound of people throwing out their old. I recently installed a unit and was stunned by the difference I had -- Say goodbye to your. 888964. Way satisfaction guaranteed. Just go to -- house now dot com or call 888964. W a TE and he -- It's home. Don't -- in business isn't right here. Barry on stroke. On the financial exchange radio and. Well as promised we are joined by state. Treasurer Steve Grossman he's been against of the program in the past. But now he's joining us as a candidate for government fresh off a victory this past Saturday Steve Lowery today. I Derek thanks for having me but you know you know. He can never quite. In a divorce on the other because I say I am getting paid every day by you and by a lot of other taxpayers to make sure that I do the job as state treasurer. Well we usually and we appreciate that 88 you must be pretty excited and and pleased with your victory this on Saturday or did we surprised by how much you won by. Now I think it we set out we plan we set out execute the plan and we executed that the way we. What do. What I didn't expect was that when I came down off the podium. And -- my life went up -- the delegation which I was sitting. She showed speaker phone and it's 319. Saturday afternoon our fifth grandchild was well. That's pretty exciting. You say memorable moment. Somebody ST say what was better in the convention. In new grand -- I would ever. Anything edit them into healthy baby boy in the family is a grandchild there -- these seriously wrong right. Yeah -- fit so well congratulations on that for sure. Steve why are you a better candidate for governor why would you be a better governor -- Martha Coakley. Because I think I'm known and have been known all my life throughout my entire career as a job creator. That's what I do and aggressive job creator rectal that this is who -- all the thirty odd years. I became treasurer of the first thing that it was -- money out of banks in Europe Australia and -- back to local community banks. Which in turn of made. Thousands of loans as small businesses all over the state that is about job creation unite. Note that the best social program that have been created the job. -- job creation company is critical. USQ what's the one you wanna be note four more years down the road. It would be recreated seven 200000 new jobs every year rebuild the manufacturing sector. Because jobs grows the economy is gross revenue and what enables -- invested all the other things we aspire to. What are your attributes that make you more capable of doing that as opposed to Martha Coakley. Again track record. I I I because every small business one of the things that I did when I started out on the campaign to become treasurer and I've continued it and we're doing it. Now on the campaign for governor is -- -- roundtable discussion all over the state. And the first question and only question. Is what are the roadblocks and barriers faced. The small business owner and I can we help move -- -- -- those roadblocks and advocates and stop talking. Analysts and the small business owner and when you list for the small business owners that -- but the cost L and current. Access to capital they talk about. Currently in regulation and I gotta get out of the way make you mean that nonsensical permitting issues that people deal with that cost money. And finally technical system. So many people that they need a got a great idea but I don't know cash -- statement together a marketing plan so. Annual small business -- you -- one all your life. I think that you responded that's why that. Small business banking partnership which put. 360 million dollars is thanks more than a third of them all over the state as as such profound impact. In terms of creating jobs and virtually every quarter outlook that is -- record of leadership that's getting beyond the rhetoric. Into the reality of what it -- to create jobs and those that still. Kim had a question for you as it relates to these plane loads of illegal immigrants had been coming into the state you know we've been reporting on this I'm Steve. Nonstop. And and we we were just told by. I guess two days ago that some of these plane loads of individuals or people who were being brought. Out of holding conditions down in taxes because they're being so inundated by. So many children coming in and these were individuals were awaiting deportation and now they're they're shipping them out. Bringing them here to Massachusetts and to various other states and letting them go. First off can you talk to us a little bit about that what you might know about it and secondly where you stand when it comes to illegal immigrants. Well. Eight read the stories I don't know much about. The people that you were talking about being shipped out and coming to Massachusetts. Immigration reform is something that. All us. Look -- is. The deep concern at the federal government in its inability to create. Aptly citizenship get workers programs whatever happened to be in the whenever that assault the issue of immigration. At the state level but there are certain things that I do believe. And other people may agree or disagree with -- but I do fundamentally believe. It's appropriate is in state tuition. To. All immigrants. If they graduate school -- certain grade point average. That's taxpayers foundation to -- this included number one there would like to eat the way anybody else. Number two there wouldn't Kuerten. When he went public colleges universities. That the numbers aren't that significant and that restraint it would actually create positive revenue for the state so. It's the right can -- ask and are there but why would you give. Instate tuition. To. And illegal immigrant and why not give that same financial aid which is effectively what we're doing to a kid who -- born here. Well I would not talking about either or. Young person was born in Braintree. And they wanna go to -- so it. Forward to UMass Boston. They should get in state tuition. Why not give it to a kid from New Hampshire than Steve like away from natural who wants to go to UMass. When I give them you instate tuition. Well I'm simply saying it's that we do not at these single child -- the young people -- graduate high school that certain grade point average. I agree with president and I agree with the governor. Something we should do these young people helped build. Our innovation economy and we are gonna have a hard time filling the -- pipeline so let's do that. And let's give them that benefit I think we will benefit for years to come ID. Retention of -- people who helped this commonwealth still grow and -- -- and basically is a better. On the job creator that's done all my life that's on a stretcher. And I have laid out a number of ideas about how to create jobs investigating structure. Closing the -- -- make sure that our Community Colleges. And -- -- schools are -- because when you put this community. The vocational technical school. And the community college together then you have a power. Well trained well educated people army actually kind of -- and for innovation economy we can do that. And -- it -- awful that he went a break and those -- I think I. That we can create. 700000. New jobs each and every year and 50000 new manufacturing. That's Michael that's why I'm running that's what makes me. That's pretty neat -- like a petition. Steve in order -- for you to be on the belt on November you're gonna have to beat Martha Coakley in September on the when it comes to a primary that you have said that she's going to be your target. She's a woman who's got to do -- this point a double digit lead over you when it comes to democratic voters how are -- gonna walk that fine line. And not turn voters off. But somehow combat that kind of popularity. I'm Martha Coakley is. Much better known and I am and the next three months were up but you're going to be about my becoming much known to the people this commonwealth as aggressive job creator. I think when you give people a chance. -- -- -- Say okay. We can either nominate its aggressive job creator with a proven record the private sector and state treasurer. In managing the -- of the commonwealth. In in showing fiscal discipline and responsibility. Protecting taxpayers' money putting the checkbook online get a chance to nominate its aggressive job creator -- career. Prosecutor which which rather have a governor -- -- we need jobs and it's pretty clear people want the job -- that's what this conversation is going to be about. And that's why I'm so excited about this next three months I look forward coming on with you again. Very good with Steve thanks for your time we appreciate it thank you very much. -- Steve Grossman state treasurer candidate for governor. And Barry Armstrong. Right here on the financial exchange. On the WRK okay where you network. The experts at Web.Com what to build your business a successful website for free just like they did for these Web.Com customers we've used in and looked at other website designers -- but there's nobody better -- dot com. Web.Com can have your website built for free and often running in his little seven days plus promote your site on all the major search engines like Google Yahoo! and -- if you're in business today and you don't have a web presence -- you won't be taken seriously call now to get your website built for free if after thirty days you're happy with your new web site. We'll continue to provide promotion posting support and maintenance all for just one low monthly fee if not cancel and pay nothing. Call 855254. Site. 855254. This ITT. 8552547483. Or go to Web.Com. Slash radio. There was no -- of them that's an equity over the place right to take relinquished what cancellation unless otherwise purchased. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hi I'm dying -- do I'm a senior Medicare patrol volunteer. Our program sponsored by Medicare and the US Department of Health and Human Services help seniors trying to protect themselves from Medicare fraud and scams. For instance if your Medicare beneficiaries. And you're approached with an offer of free medical equipment and services watch out. If it sounds too good to be true it probably -- call 1800 Medicare to retorted. And go to stop Medicare buy dot -- To find lots of useful tips and important information. About new fraud fighting tools that Medicare now hasn't -- thanks to the health care law. You resource is to help law enforcement crack down on criminals and return tax Payer dollars to the Medicare trust funds. And how you can get involved in the fight against five. Gotta stop Medicare fraud dot gov and help make Medicare stronger for all of us a message from Medicare and the US Department of Health and Human Services. Times are changing in your retirement plans are changing with them hello this is very Armstrong from the -- to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your own retirement. This involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with 810 step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for a prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors thank Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliated. Follow -- on Twitter at Barry G Armstrong its Barry Armstrong. There are here on the financial exchange radio network. I'm take a lot of people over Steve Grossman in the. Well. I think a lot of people just saying you know it. Holding his feet to the -- asking you know again why. Why you would give them money to illegal Obama leading get a good answer to that but we would have got an equally bad answer from Martha Coakley. I guess this is my my opinion is on trying to dissuade the independent -- right. I want them to go to the polls in September -- for Steve Grossman's primer. Right and New York. And that's with a -- that's what that's with the listeners listening to -- -- I tell you who did -- get the trivia question correctly or Roger Roger Clemens says hundred wins again exactly it was David he's from restore. Okay great people been looking for an update on the -- story. It that meeting occurred in Cambridge here's what I know and Adams prolific user -- Hoover. I I do have a clip of of -- and talking about how well you do yet. -- will play that how long is the clip properties. Sorry eagle and played at first elsewhere let's listen I'm just -- somebody from over urges the head of -- is that all their great credit to -- quickly folks of what's happening here is Cambridge wants to put a whole bunch of regulations on -- -- and they had a big meeting last night here's here's who for a. You do and it's kind of different -- aren't. He answered that. You Africans that. Technology. -- ability to for it and -- And more importantly technology that he and former prime rate and aunts and if right so there you have it. Maybe the meeting that was so well attended -- they couldn't fit the people it is all well you know why I. I was disappointed that nobody brought tomatoes -- ridiculous rate what they did was this was this was land code the licensing board this was in the City Council. And they had this you know little tiny office space in the basement well knowing. That this was gonna bring. Zillions of people out and it did they were you know they were -- hallway and -- were stuck in whenever. Of this they they claimed that this was just the beginning misses a discussion. About what can be done but essentially what they wanna do there in Cambridge. Is they -- regulate the technology they wanna say that if you. Use a means of technology to determine your rights than that have to be right. And that technology would be your GPS or whatever he used to you know your app to get it over and that would force Cooper came it would force them out of Cambridge to be -- So. He do you wanna party like the Clinton's bombing that -- -- what you wanna do it happened state plane moved like a it's a great big party a lot all over. He's a big party here. Anyway we the Clinton's taken a lot of heat over their state -- what they've done is they've created trusts in order to avoid legally avoid. Federal and state -- state taxes you can do the same thing you can have a Clinton asked. A state plan while you have to do is learn about the different types of trusts that are used in the estate planning process. We had attorney at law Todd -- you on yesterday he told -- clintons are doing is perfectly normal. It's perfectly legitimate estate planning but that's how rich families avoid paying taxes. Europe to be a rich family to avoid paying taxes and -- over a million bucks you're going to be paying -- state taxes in Massachusetts anyway. Here's a number to call to learn how to pass that set up an estate plan. 8668485699. You call that number and you'll get the guide that tells you all about understanding the top eat most commonly used trusts in the estate planning process. 8668485699. -- 8668485699. When we come back it was gonna tell you about. In New Hampshire company that was -- Acquired by a firm from South Carolina. Breaking business news first -- Armstrong. OK Joseph Cartoon Network in the face and we met became in the face paint them -- -- He informed me -- and you know there's this vehicle which. God -- use to bring my life together. And. That is powerful -- my name is make CNN met my husband today and Kristen hanging out. Join Christian legal dot com today and find God's not treat you. Joining is easy and free. So go to Christian -- dot com today. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Paid Kelly so -- -- hard to renounce. It's just me here c'mon I got your newsletter pretty fancy photos coupons to and was it. Hold melons silly I these Constant Contact really. Constant Contact -- -- it's so easy they make me look like a million bucks and emails -- really work oh yeah they got you when he today didn't. Trichet. Constant Contact dot com. Plans as low as fifteen dollars a month with a free sixty day trial. Keep up with the latest. -- -- -- I am I understand that a New Hampshire company called the Whipple hill is being acquired by company. South Carolina that's right for 35 million dollars -- hill is -- is a cloud based software company. And they work on with about 400 K through twelve private schools in the country to run their web sites and to do that kind of thing so they were being sold. To this company that is called the black -- And that they are in Charleston south Carol. All right here's your fourth and final trivia question of the day. -- -- the last three baseball pitchers for the Boston Red Sox to throw no hitters at Fenway Park. The question again who are the last three pitchers to throw no hitters at Fenway Park you know the answer to that question text us at 68680. I saw this story can vote suntrust right I hear you broke this down for us I did -- idea. They -- settling I guess they foreclosed in an illegal fashion against 200 Massachusetts homeowners right so back in the -- in the crash writing suntrust which is that bank out of the south -- there would -- Atlanta. They foreclosed illegally across the country that they did it to 200 Massachusetts borrowers. And from the map that I did if you were foreclosed on by suntrust you're probably going to be getting checked for around 833 dollars that's the that it definitely did like robo. Alerts that you're being foreclosed on. They did better -- you know like I did research this and again I want you to know that the they'd foreclose but. All the people that they foreclosed on were in foreclosure or closure because they did it robot actually as opposed to. -- human. And any gates and the the you'll feel bad for somebody when there are closed on but at the same time the this bank. I feel was really extorted me you know he would you punish the mine I don't know why do you like the -- closeness of -- -- pay the mortgage. Well you know with the problem lies. They had so many of those mortgages all across the country. They went -- people Q there departments to deal with all of these foreclosures so they put this on a robo system and when your time was -- the red spike came up boom. Hero -- you are out you know and I guess probably with their. Governments changed it to you gotta have somebody who calls here's each individual case and tries to works are now yeah I didn't do that that is another there is a big settlement. It is 31 called for across the country. -- and avail pharmaceuticals their stock was rocket yesterday. It's a small company out of the city Cambridge definite yes is there -- Right now they're down four pennies a dollar 52 -- the interesting thing about this is that they are. That the big Boston hedge fund that's involved in Idenix. They also are involved with this company so there's been all kinds of talk that you know after Idenix. Was sold to -- Merck and that was such a big deal. That maybe there's something in the works for this company is well on the they have something in the pipeline but did nothing has come out yet that hasn't happened -- Lot of volume will you know look even at the volume today normally. There's about 800000 shares trade hands and they have pharmaceuticals at the dollar fifty -- it's pennies. Right today already cited in news and today already had 940 passengers trees or something's going on yeah they just are saying what is quite yet. She did did did judge. Set free one of the telex free coal owners this is a big Ponzi scheme and -- go. A billion dollar global Ponzi scheme you know this is in the paper on Sunday in my husband -- all that much pat he think Kim do you. Do you have you heard the subsidy which you know story review and -- He's been under Iraq. That this guy James Merrill you know they got him right off the bat and his buddy. Took off for Brazil and he's down numbers -- with his daughter he won the country's white got car at the border so she's in jail here. And and he's down there but. They'll let this guy dollar GPS. Nine I think it's at 900000. Dollar bond. He's -- -- playlist. They say he's not because he's from here and his wife is becoming Hughes. She's responsible for him so if he disappears. She goes to jail -- Think all right we'll see you tomorrow guys have a great day. Like your favorite news photos and sports updates on your phone when HP mobile from the Associated Press the new HP mobile is now available for free and iTunes AP mobile where the news gets its news times are changing in your retirement plans are changing with them. Hello this is very Armstrong from the -- to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 401K plan with a match you're responsible for planning your own retirement this involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with 810 step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for a prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors think Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliated -- this is Jeffrey Davis host of radio entrepreneur has heard every Monday to Friday six this. -- PM courtesy of the money matters radio network and heard online and money matters boston.com. Some nights I can't get to sleep some nights I can't seriously if you -- some I can do -- You do some sleep -- are clinically proven to help you fall asleep 33% faster and keep you sleep longer on T get a more restful night's sleep. Meet with an ingredient not found another leading sleep aids -- -- some sleep -- are safe and non habit forming just one -- takes the uncertainty out of -- time giving you this -- you need so wake up ready to go. You know some sleep chads fall asleep faster sleep longer.