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11-6-14 Full Show

Nov 6, 2014|

11-6-14 Full Show by Barry and Kim

Transcript - Not for consumer use. Robot overlords only. Will not be accurate.

Higher but it's very archer from the financial exchange and I'm here to congratulate. Mr. so she'll truly from leader bank. So shield. You guys are you know other mid size or small community bank that you were ranked number five. In all of the banks in the commonwealth for small business lending congratulations to union to. Thank you very much thank you Betty. A lot of credit goes to yield hiking ammonia showed two months ago. We dug about these special program leader bank had products mom business Christmas. And because of the idea model business we got that people took advantage of that smile program. We the number of the fifth lies just espionage and the US be very proud. Very proud of for my team around my quote team we are creating jobs in a bad lending that money you're creating jobs and your help and motivate the economy. And we act absolutely passed some new BM making contribution to the locally you've done right so we have introduced in new product now. But this he had reached his 50000 dollars. Operative to dogs and have border and help us saying if full audio loan we get indeed have been deemed ten working days would close a long. And daddy impaired documentation as a quiet so anybody looking tied at the SBA loan. Please contact us to lead a bag or visit our events I need a bang dot com would give us a cop. There are leader in small business lending 50000 dollars four year term four and A half percent interest rate their phone numbers toll free 877. 6917900. Or visit leader bank dot com get a call their terrific bank and they wanna be your business lending partner. 8776917900. Leader bank dot com. Did you know that there are ten easy ways to get more money out of Social Security one method to get more is to collect twice hello everybody very Armstrong from the financial exchange dual earning couples can collect first as a spouse and then again later based on their own working record for example a woman could collector spousal benefits at age 66 and then she could claim again at age seventy based on her own working record higher earning couples benefit the most from the strategy according to the center for retirement research at Boston College we have a free report that will teach you. Ten methods of getting more out of Social Security 8668106422. That phone number is 866810642. To get all that you're entitled to from Social Security call now 8668106422. Securities offered through securities America ink member of an SIPC in advisory services operative securities America advisors and area ams on representative Armstrong advisory group in the securities America companies are unaffiliated I'm going to grow. Into the mall dance lessons can they. The basketball. Yet wherever you're going the quality gasoline and ExxonMobil stations of the energy behind your journeys they helped engines run smoother and help improve fuel economy to. ExxonMobil and a team this year an X on Docomo mobile number details. There's your basement or crawl space have adapt musty smell. Well watch out that's a sign of too much moisture and not enough ventilation and that can mean increased mold growth and a buildup of harmful toxins and gases don't bother with the 1888964. Way -- 1888964. WA VE. Today a senior citizen has a one in four chance of spending time in a nursing home will you be one of them what would you do with your spouse didn't have enough money to live on because you're in a nursing home in depleting your assets by more than 101000 dollars each month think about it how long would your money last if you had to write checks like that each month how would you feel if there was something that you could have done to protect your spouse but you failed to act don't put off protecting your loved ones any longer. Call our office right now to request are bringing new guide that will teach you how to create an estate plan that will not only protect your assets from a nursing home. But also help your family avoid probate keep your money in your bloodline. And potentially eliminate estate taxes. 8668485699. The law firm of Cushing in Dolan has been a valuable resource to thousands of families for the past thirty years it's time you found out how they can help you. 8668485699. 8668485699. Yeah. Your world its hold on your checkbooks and did your portfolios break. It's time for the financial exchange with Barry Armstrong and Kim Keller again from Wall Street too you're street bearing in human judge you've got to hurt he's the financial exchange with Barry Armstrong and gene Kerrigan. Hi everybody welcome to the financial exchange Berrian came with you here on he. Because first he must be Thursday is gonna jobs report. Yeah. I can we have an election yet thank you David returning my Mike on now don't like him I you know I have. I say my best work when the mikes off arm problems and fees. Have a rough day and I know he's thirty told me he hates the stain he wanted to come to an end. I don't feel like it's been a long week that and I think it's because it's been a long week if your Democrat. It it may be a long two years of your daughter her at a at that. Well we got a busy show where we did get a jobs report came in really strong is 274000. Get the best four week average on. Job loss that we've seen in fourteen years can sell. In the job market starting to firm up we concede wage increase that we are seeing little bit better numbers on that in terms so we're tell you I tweeted out you know. On this job job losses and looking good markets are strong. Oil prices down. Looks like the economy's headed in the right direction how's the economy in your home. You know what he was shocking how many responses I got its head not to gripe is still struggled. So you know this disappears. From the outside Dick Dick you know everybody's happy and everything's going so well but a lot of households are still suffering in the U dig in and and I think the rig the elections that occurred on Tuesday night reflect I think you're absolutely right he if you wanna answer my question. Texas it's X 86 said he would like to hear. You know it appears from the outside that things are going well how are things at your house yeah. But clay is somebody who things are not going well for and that is our good friend mr. how we car. How we area there. Yes here I don't know you don't just where where are you homer you still in the hospital. I'm all humble like it will last night they base and home subscriptions that recruit I'll likely be back on the air. Deceptive Cooper our albeit it's August all right I'd I'd go get ticket. I hope we all over the place beyond here are global. Yeah. Back on the world on Saturday so humble guy and great for college. What happens now I talked to Kathy in the house I was I hear about what is apple byte I was just you know sort of bait and you probably I would love football but. They held radio where was by early on the board just I guess I just got lost. I just wasn't paying attention on just. Corporate profit. I was lucky I was very lucky to have it here the you know what good shape. And regularly discussed the theory the capacity over over you where people reward people like you know nobody got a western but. He's defied the where he probably double the the hope is that right lit window weird accident occurred right at or about the past. Carpet walk. Onto wanted to go to the radio. British. I just there it was sitting edit last. From Boston and just just kind of lost that we did that I was you know on the they got into the hospital that it was part I was out there but like so ox. I displayed based everybody's Serbia and certainly these that awards are kindest regards. I I appreciate all of that I'll be back and get back on the air Rick watt a republic columns will be called. When the united would be warned that big get a little paper reduced to a double there that I. Was like and even the so that the Dugard has been formed on its review. Well we're just glad you didn't miss a beat. Physically yeah that's a scary thing and were happy to hear this morning to do as well as you. Hey thank you thank you thank credibly on I really appreciate it like at W on the we are now or wanna see if you policy and I that the but he might cry. Maybe that I've been a big jump out great. But poppy a BOB a carbon copy of this we can discuss what course of Krakow. This Bob really happy I'm happy I'm book report to work with you guys who have very shortly. You know bid out of the studio suit every day as well boy. A this is it good it's good change from the pulpit. I'm open bit B yes BP the economy will pay off. But that's how we I I need to let you know. I think yeah I was Thursday morning bet your day for the coffee run in the doughnuts I I hit it. I took up or GAAP as they try to do more with. It did just great and after such a. But also. With all the cup on the order will open it is the people or are viewed as they are blight. An adult club under the try to it would be the album about the World Cup back it's really good article great you know and also you know you vote we support chicken you don't guess what. Archer could. Die with your with your permission from jail. An extra seat if she said it was OK yeah. How they feel better and lets the little beat tune in today victory. Hey thank you very important equipment yeah by everybody. Sobero of that regard. The burden on the other guy. You know how he was talking about his shell and his show will be getting produced from these various saints did he will be right here in the studio that's terrific a bailout fund and we're looking forward to a premiere is so personal will enjoy it and I'm not gonna hold into the breakfast thing. I'm not every thirst Armstrong happens Eric. After. That. He'll be blaming it BP get fired that gun you'd. Hey we have a lot that we're gonna do that cover today and something I'm just gonna make a suggestion to you we're gonna be joined by. Chris Marr from the Wall Street Journal it talked about the GOP victories. And how they dealt a blow to organized labor and also public. Unions but before you AV do that to you'd need to go to our FaceBook page as I posted an article that pensions for outgoing lawmakers. And Kim I have to ask you worked at a few big corporations senior day and so. I don't remember ever getting attention after five years. Sir is that some believable. Yeah it's amazing so what what we're talking about here folks is we said was lawmakers and the reason this comes to light is because we have a number of lawmakers to get tossed out on Tuesday. So many of whom. We're senators who'd only served one term so I was six years. And you get your pension after five so that means 11. One term of service and a full on pension. Not only that can't you you get that that pension that you mention her right. B your still collecting social security and why you're serving you're making 185000. Bucks here 170. 170000. And only can steal. And and and you're giving it 5% match on your for went can't play. So getting your double dip that you get and social Steve triple that you're in Social Security. You're getting attention you're getting borrowing came naturally with 5% in everything he can steal and it's that's a heck of a job. I'm gonna give everybody an example of this for example. There is a member of congress and then North Carolina senator. Her name is Kay Hagan and take that cost she was in one term. She's paid a 174000. Dollars shall now be paid 171400. Dollars for their. A penchant for it after 62. For the restaurant. Nice were giving and find yeah now if you're a senior member may be bidding for 32 years yourself Ed Markey oak Ed Markey for example. You earn 80%. Of your pay which is about a 139000. Dollars a year right now and you have a survivor benefit on rates he needed to your life you'd. Or your husband. And we wonder right we wonder why our country over. Well I gotta tell you we have so many people responding. The question can can we just read a couple birdies and unfortunately I don't like it household finances the 774. Tightened up because my oldest went to college and understand that. It's lousy here 617 cents failing health plan has gone from 161000 to 28000. In six years. My net pay check is 600 dollars less per pay period and it was six years ago. Mr. somebody else by the awaits his economy in my house stinks husband hasn't had a raise in twelve years. It's a good thing gas and groceries utilities have gone down now but. They certainly have been pretty tactical and politics weekly news and politics that's where the money's in. It's tough issue really is in it's it's just so misleading you guys. You know I know a few sick and you listen to Barry and me each day are you listen to anybody else is talking about the economy everybody's talked about all these great things that are happening. And yet you're wondering you know I don't I feel left out why I write home I get get to the holiday season you know on gonna cut cut back our. Our vision of the holiday season our house or whatever the case may be so. I just wanted to ask you focus or I want to send out you know that you're not alone in a lot of people. We're getting a text message saying New Hampshire electric bills going up by 40% David would you do a fact check on that for at least. All right up next will be joined by Chris Mayer Wall Street Journal GOP victories deal a blow. To organized labor that's next on the financial exchange. Barry Armstrong and can carry them. Right here on the financial exchange radio network. Are you thinking about transferring your home to your children in order to protect it from the nursing home. Did you know that if you do you put it at risk for your children's creditors including future divorces. If you really wanna write a check tear former son or daughter and not just to buy the Acura own home. Not only does transferring put your home and rest it can also create a huge capital gains tax when they salad. Right now the federal capital gains tax can be as high as 23 point 8% and that's an addition to your state taxes. There are better ways to own your real estate beckoned protected from the nursing home. Keep it away from your children's creditors and avoid probate and not cause unnecessary estate taxes. Talk about ski in the law firm of Cushing and Elena put together three new guide to the risks and rewards of real estate ownership. This free guide will show you the best read on your real estate call now for your copy at 866848. 5699. That's 8668485699. Investors searching for relatively low risk investment that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with an impressive one point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent -- why call 8776917900. Today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more -- bank a step ahead minimum deposit to open and current annual percentage yield is 1000 dollars Massachusetts residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member FDIC rate effective November 4 2014 this is very are strong and. Joined today by estate planning attorney Todd looks from the law firm Cushing in Dolan. It's time for your legal exchange quick tip of the day we're talking today. About the different ways that you can owned real state and taught I want to ask you this one. What are the implications of transfer your whole C just take your home yet and you give it to your children. In order to protect it from the nursing my ex he had somebody asked me this yesterday sixty years old. In the heard about this thing transferring music like this yeah. Kind of makes my teeth itch. Really you know GAAP putting your kid's name on anything while you're living is frightening with or without the light for states a year question was interesting it was. At least using a life estate does provide the parent the right to live there that some protection I I feel better about that. But I really don't like having the children's name. On any property. For the following reasons one when you do that it's a completed gift to you've lost all control over your order anymore. I worry about if the kids go through a divorce and ex son in law the ex daughter and when your like. Number three is it you know Ali you know I don't you've now subjective and as you just said Barry took their creditors and does that. Necessarily have to be divorced as he could be a lawsuit business failure and could be any creditor so they'll basically that creditor has the ability to get the asset to pay them back which means you lose your home I certainly don't like that idea not to mention there's also a tremendous amount of tax problems associated with doing that so don't. Don't do that. Our rate I've got some advice for you learn the best way to old and protect your home your vacation home in your rental property. Call for Cushing and old brand new guide to the risks and rewards of real estate ownership 8668485699. That's. 8668485699. The guide will teach you all about the risks and rewards of real estate ownership. Whole free 8668485699. All the best in businesses is right here. Barry on the stroke and Jim Carey hit him on the financial exchange radio network. Well we talked earlier about how Tuesday it was a tough day for Democrats it was also a very tough day for anybody who's involved in units. Your labor union here SCI EU Europe electrical absolutely in the year public dear teacher or teachers union right. You didn't do well known on Tuesday. We're joined now by Chris Mayer from the Wall Street Journal I don't Chris. Are greater vigor so they yet unions again I would assume back Democrat candidates all over the country this past week. Yes they are straight. They did back Democrats and they didn't do very well as you just said they organized a record of Tuesday. There were a number of races that were striking. Some of them are these Republican governors who won reelection. After challenging unions people like our government Scott Walker in Wisconsin. Rick Snyder Michigan or those types of candidates. Officials who who warm you know even though they were really. Widely opposed cream there's just couldn't get the votes to. Oust those leaders. And why is that Italy is that it you know the other just not enough members anymore or. It didn't. I'm just parted the rank and file doesn't agree necessarily with those who were out speaking for the unions. Yet as secret question what is happening mean. Credit facility that exit polls. Apparently union council voters did actually pack its candidates you know unions want him to support. 60% seventy. Possibly even more union voters expect those candidates. So in months and you know it's possible that humans just could broaden their appeal and get other voters who are writing numbers 22 also you know all of their agenda. But I troop more broadly I think he union message kind of was overwhelmed by it by larger forces. You know there's this wave election as our dissatisfaction economy and them you Obama administration contentions. Kind of overwhelming message and market. Do you think it at all and Chris that it played. Against any of these Democrats and and in the future will we see. Democratic candidates shying away from those union. Support. That's truly streaming in Rhode Island with the international situation where. The treasurer. Democrats Armando had but there's some or she spearheaded some. Reforms that the public sector unions were very popular. And they oppose or strongly. But it ended up that he a lot of you have bishop to Armando caught between two candidates the Republican and a third. Candidate. Session ended up winning even though you're the poster and are a lot of people were looking closely bury the field you'd you know. What happens if you do opposing team is actually your Democrat. And in this case she survived and choose a governor and that that could hold you know them some some people. Or just makes you wonder about the future unions in general. It doesn't mean the their membership has been declining now I eleven point three and US workers. And it been declining you know for decades as a brand 20% in the early 1980s. So. You know as their membership declined so that their political clout and influence. They're very strong numbers states across from where. You're California. It's probably I think some experts and others that called questioned there were going forward. You know navy Turkey seems to be dribbling right seems to be done. There aren't Chris thank you thanks very much for joining appreciate it. Back. If its interest in enacted in 1970s Helen on unions well and you know what once want to candidate got a union endorsement Blu-ray were in Atlanta get. And in there was money associated with a lot of money and when you're talking about unions the size that they work. You know I thought sounds and Scott Walker's and injured he's an interest in politician he's being talked about more and more presidential initiatives yes yes I mean he's he stood up to those in to their real remember how that. All went down. And it is amazing that he was reelected. And that. And that they didn't organizing such a way that they were able to oust him. It comes back though to keep community you've got. The you know like I think people have less of a problem at least ideas I have less of a problem with the labor unions. And I do with the public in Italy eat and I think people you read this story about clay Kay Hagan. Down in North Carolina worse you know. And and she's getting pension status and what you think about the school she's receiving a pension of like 171000 dollars a year for the rest of her life right. As a result the one failed term in the senate. And she got 5% match honor for any athlete or our insurance is probably taking care of right and did you ask the question you know hurry you deal right. Main streets not doing that now rating the happening three cent of that if you're if you're in a public union junior you're doing pretty darn well. Yeah behavior. In a labor union. And I again on the labor union side but if the guys and electrically union I don't. But that's that's that's a private sector you know I I personally have a lot less problem with a private sector union that I do the public sector. That that just by I agree I agree excuse we'll let you know what I tech break up Kim Campbell is that himself I know what does it signal the labor union issues to act at. A lot of those cases that's a protective union if he. Maybe you know four for security purposes. In all four. For over were you know all kinds of things like that I think sometimes that's you know that that's a good thing I like to see that it's happening in the classroom no hope. Nor do I nor do. Our eight here's your first trivia question of the day what was the name of the ultra long range gun. That was developed by the Germans and was used in World War I. You know the answer to that question you can text us 68680. Is our text number what was the name of the ultra long range gun. That was developed by the Germans and was used in World War I. And speaking of wars in the military are we doing a remote on Monday David everywhere we go down to DC port. Yet it's a picture guys don't have all the details please start time and some some I think I'm supportive of it that easy to look at the it can't tell it's us guys let's announced Monday via via the banks that the seaport. Of these very helpful. They're having a bad day he's made it very clear and apparently he's trying to make sure we have been taking his. Are you glass of water didn't like it that's true as I was choking it and then I appreciate it's can I wouldn't that it of the fun filling the minutes. So we did talk about two issues right we talked about. The you know the only elections that medical marijuana did you see this story. It's called is in the Wall Street Journal today it's called Hoover for pot. You know there's a company. That has raised a million and a half dollars in order to deliver. Medical marijuana mobile apps enable nearly anything to be delivered directly to your door. Now you can add marijuana to list yeah. Yeah aim of the company's ease solutions LLC it's a company that works with medical marijuana dispensaries to provide high tech pot delivery service they've raised one point five million dollars to expand beyond San Francisco. And other California cities. It's crazy so I mean I. I do in Boston well so the idea here is you know you you call you give your prescription filled in the neighboring anti you know within ten minutes. Go to an at you don't even have to call him he brutally your your autograph right go to an app on your phone we have medical marijuana approved. In mastic you even got easier because there is really selling it may have been built the dispensaries are not there. But I think it's also it means we've gotten beaten it's here right. So now we have to do is get your doctor to prescribe medical marijuana. Then you go to your phone you dial it in on your app and ten minutes later it's at your doorstep I just feel like this is opening a door that. This is it adds to the whole pandora's box that totally think that's one way to look at it's if it's definitely coming in very soon. When we come back or be talking about whoever they are offering a program they've they've been actually financing. Autos four sub prime borrowers why would Cooper B financing cars first sub prime credit people talk about that when. This is the financial exchange on the financial exchange radio network. Investors searching for relatively little risk investments that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with an impressive one point 25% EPY for new accounts with these kinds of rates now -- an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent AP why call 8776917900. Today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more with the bank a step ahead minimum deposit to open and current annual percentage -- as 1000 dollars Massachusetts residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member efficacy rate effective November 4 2014 this is very strong and. Joined today by estate planning attorney Todd let's keep from law firm Cushing in Dolan. It's time for your legal exchange quick tip of the day. We're talking today about the different ways that you can only real state and Todd I wanted to ask you this one. What are the implications of transfer your whole. See just take your home yeah and you give it to your children in order to protect it from the nursing my ex he had somebody asked me this yesterday sixty years old. In the heard about this thing transferring it using only the state yeah I kind of makes my teeth itch. Really you know GAAP putting your kid's name on anything while you're living is frightening with or without the light for states a year question was interesting it was. At least using a life estate does provide the parent the right to live there that some protection I I feel better about that. But I really don't like having the children's name. On any property for the following reasons one when you do that it's a completed gift to you've lost all control over your order anymore. I worry about if the kids go through divorce an ex son in law the ex daughter and when your house like that. Number three is it you know Ali you know I don't you've now subjective and as you just said Barry took their creditors and doesn't necessarily have to be divorced as he could be a lawsuit business failure anything. Could be any creditor so they don't basically that creditor has the ability to get the ascent to pay them back which means you lose your home I certainly don't like that idea not to mention there's also a tremendous amount of tax problems associated with doing that so don't. Don't do that. Fareed I've got some advice for you learn the best way to old and protect your home your vacation home in your rental property. Call for Cushing and old brand new guide to the risks and rewards of real estate ownership 8668485699. That's. 8668485699. The guide will teach you all about the risks and rewards of real estate ownership toll free 86684856. 99. You may be wondering if you've saved enough to make it through retirement now add to that concern about health care cost and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like your included in that category then we have help for you must today and 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs acknowledging that paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America ink member and rat SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and securities America companies are unaffiliated hi this is very Armstrong from the financial exchange recently I've been hearing many reasons why we should consider buying gold geopolitical uncertainties stock market corrections you name it I don't disagree with the idea of buying gold but I have always been suspect of the ads that I see on late night television for even the ads frankly that I hear on the radio I like to buy gold from a local institution that I trust I owned gold and I bind my gold coins from leader bank I walked right into any leader bank branch and I can buy American Eagle gold points leader bank is a local bank with. Branches in East Arlington Arlington center Arlington Heights at Belmont Burlington and Central Square Cambridge thank locally and buy your gold coins locally it just makes sense give leader bank a call and learn more about their gold coin programs 8776917. B 900 or visit leader bank dot com leader bank a step ahead not a deposit not FDIC insured not insured by the federal government agency not guaranteed by the bank may go down in value. Follow Mary on Twitter at Barry G Armstrong its Barry Armstrong and can carry him. On the financial exchange radio network. While Kim evidently there's some controversy related to our first trivia question of the unknowns you couldn't just ask them something easy like what day of the week isn't. We asked what was the name at the ultra long range gun that was developed by the Germans and was used in World War I the correct answer. According to our researcher is that Paris guns. But everybody's again seeing big Bertha. Which is a more recent model. Of that team that same weapons. And it was something because it was used in World War I and the Germans were very far away from Paris miles many miles away from Paris but the evil shells city. Despite the fact that they were I can't remember how far could go that was many miles bright and news news surprise attack to say at least. Well we will with a big Bertha answer because everyone knew that right. And Thomas is the one who won he is in Lexington this morning so Thomas thank you very much and you wouldn't numerous others it was big Bertha but not. Paris aerial Terry. Talk about Hoover explain what they're doing I I think it's ingenious but there's receiving criticism. They are it's it's car loans. Which I was actually first practice you know the super was in the Harlem business I didn't but you know what they're doing there have been a heck of a time in certain markets binding drivers. And so what they're doing it. The blazers and look. If you've got bad credit and you can't get a car loan. Will loan you the money will co signed to use the car so that you can start drive taking and they know they're gonna get paid. Right because the money's coming right there able to deduct the money. From the commissions that their pain in the drive those members of your hiring movers are not in and fully. And you get into her car there and independent contract right right and so. If you heard independent contractor many of them had difficulty coming up with that are you know that the vehicle themselves. Hoover finances for them in an effort to get more cars on the road but the issue that I that I question here this is what I think a lot of people are questioning about it. Is that number one of sort of sub prime. Wonder that some of these about their lending Q. And what what happens you know of this of this person has got this car out there worth ages drop off the face of the earth and you know you can't find. By that date but it Seubert. Rate that that becomes reverse problem and you know the first of all these cars at tracking devices right so they know where the vehicles are. They can even disabled cars right so let's say that you hired you finance a car for Newburgh driver he does and being leaders and pays bill doesn't show up for work you disable the vehicle. It's a risk on the part of movers and I think it is just part of their business strategy. And in yet there are those that solemn that are leveling criticism and what sort of feel like if if you're somebody whose credit is so bad you don't have a vehicle and not start as an employee. Again I think the last independent habit OK that that's true but. We knew we knew our driving I'm under the under the name of power you're representing my company yeah. And do I want independent contractor working for me who has and it's only credit issues that they don't have a vehicle. The answer is yes halo is sick in the case of overt he hit the answer is yes I would be one of those people who would be on the criticizing an advocate for the jump in attacks. The unity credit rating is at tax unity there lots of credit for spell in this economy and the guy lives and then I I think that's probably true bank on who were supposed to be a step above that that's why I'm using Cooper vs getting cap right Ari Ari. Tesla Motors there stock price today. Up 6%. And the stock's up fourteen dollars a share at 244. Dollars this year here's the reason. The this year have sold about 33000 sedans and they are gearing up. More so they can sell more of these vehicles aides to the situation when you buy Tesla. There's a waiting to write you go on a waiting list in order to buy test will be said the demand is not the issue the product. The problem is that making it issue enough of that vehicle. He's trying to make Elon Musk says he's trying to make a 100000 vehicles by the end of next year I have to tie I am surprised I know they're great car. But I'm surprised that the demand is as high as it is given the price of the habit now. You know why. You're not. No I'm not because you're only thinking about that one model all of the models of tough line are not 14860000. Now know their thunder and it day to get. They keep your exit the buyer of of a test it's probably going to be somebody who would buy a pretty nice mercy respirator Alexis. Rightly you know I think you can get pretty Lexus or Mercedes game for like six or seven yeah exactly a nice tussle is gonna cost a 120000 bucks. It just it comparable. You know that that's now you have to buy gasoline is still it's it's a big price and yet the demand is outstripping supply as evidenced. By this announced it's like it's just like any car though I mean yeah that advertised price of a car when you go in. Is significantly. Lower. Then when you just get the basics are freaking car when you are you don't want power windy or roll up your window like I'm hitting it right so it's the same premise that you know that's a 120 grant they'll they'll get yeah I think they're trying to make not seven. Yet but they're also trying to make attractive lease programs to look at people I mean it's expensive that people pay 600 dollars to leave that car yeah absolutely yeah. It expensive it is crazy people there leases are in the four fives. I talked to somebody I don't know a lot of people that on the mind of one person. That owns a tassel and she loves him she rises and and she swears by NG I asked her about it should bury need to. That's all she's I have to wonder if we're talking at same person who says purse Narnia but I think retirement same person who owns and I actually asked about what did you. Fairly ridiculous it's Robert these people but she got she says she absolutely love that though. Speaking about loving something here's a message from leader bank they are offering an eighteen month FDIC insured certificate of deposit. Within annual percentage yield of one point 25%. The phone number to receive more information about the leader bank CD at one point 25% that's an eighteen month. FTSE insured in CD at one and a quarter is 8776917900. That's 8776917900. Leader bank dot com as the website the phone numbers told free no matter where you live you can call leader bank in open up an FDIC. Insured. Certificate of deposit within eighteen month term and at one point 25% annual percentage yield. The phone number one last time is 8776917900. All right Jim were we going to hear it which corporation knew what time you go to boil that it was about some of that. Companies that came in with earnings. I'll take a look at boy is share price. They're based in Connecticut boy a financial believe in Hartford. And they're up 22 cents today as we speak and they're trading currently 39 dollars and 41 cents a share apple. Is it financial company correct and so that's good news for financial company where you know we keep talking about her financial sectors having problems so this is good news room yeah. Good news for financial company have a whole foods retirement yeah you know and they that was a surprise yes it was a surprise to a lot of people. They had done it their best sales suffer. In the third quarter now I am I'm trying to think why that was the case. You know what happened in the third quarter that suddenly made people interested in going to whole foods I wonder if it has something to do their pricing model I still find them to be very expensive store specially if you wanna buy. Meat or fish a year literally you're gonna be paying. Two to three times per pound if you wanna buy meat fish any notable for. I don't know what it is but for whatever reason. People were very interest in going a whole foods in the third quarter which was great for them company made 120 million dollars to actually in their fourth quarter. Which I atop their 3.3 billion dollar record in sales that's that's pretty amazing the stock is up 10% in word and. I've gone to. It's funny too because he hit it feels like to meet whole foods just is on a constant roller coaster yup one million that your certain they'll keep their doors open and the next minute they're doing fantastically. And W well run company. And the the unity if you talk to people that work at whole foods they like it better than say working and it you know show laws or some other growth restore I think it very small fry the the experience of shopping experience is wonderful right. But I just find the pricing if they maybe I would shop their clothes in the town it's not in my town. And it's a drive yet he get to one so I don't use the you know I don't shop there. What I like is the variety. Unity of a good variety but I don't buy the probes. And just doesn't seem angry somebody says oh well I just as jackal for the purpose yeah so funny to that market basket strike. That had something to do with it I don't know analysts had just turned some you know I on the market basket shot I don't it's always I don't think they are either but not I I hit the whole foods and it. At least once a week I I I like that malign but I I go for the Prodi's and I go for the meat just you know I mean the fish just like yours talking. Take a quick look at a local company this literally right around the corner from where were broadcast nets trip advisor. They're up one point 27% but yesterday Kim they fell 14%. They have you know what they had some some real expenses. In the last you know they've got a big tour company which cost him some big money in and cut into their revenue so. We'll see here what was their what was it. There revenue jumped in the N 39%. Year over year 354. Million dollars for 9% increase. In adjusted net income of 71 million dollars or 48 cents a share analysts though were expecting. And to jump 348. And thought it would be sixty cents a share so. You know that was that was part of the problem analyst Boise State put those predictions on it kills. Yes so cute stuffed ago. Are when we come back for a talk about Amazon.com. They have a new delivery service we're gonna share that delivery service with you when we return. This is the financial exchange on the financial exchange radio networks group yeah. Police called it broke the bad news or Charles is versatile and financial information was found on an identity thieves computer disk nervous and confused Charles called life walk the industry leader in identity theft protection like flock went into action fund covering multiple fraudulent credit applications the identity thief was trying to open in his name. Life locked shut them down and help him restore his good name and credit Charles found out the hard way that identity theft is a global crime a crime that's become so complex you simply can't fight it alone your personal and financial information is everywhere I don't waste -- call from the police before you'd take action visits like flock dot com now or call and mention promo go to where do get a special 10% discount call 1804993150. 804993150. 804993150. C lifelike dot com for details network does not cover all transactions in scope may very. You may be wondering if you've saved enough to make it through retirement now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like you're included in that category then we have help for you close today at 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and pillaging their paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America ink member and rat SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and the securities America companies are unaffiliated are you thinking about transferring your home to your children in order to protect it from the nursing home. Did you know that if you do you put it at risk for your children's creditors including future divorces. You really wanna write a check tear former son or daughter and not justified Acura own home. Not only does transferring put your home and rest it can also create a huge capital gains tax when they salad. Right now the federal capital gains tax can be as high as 23 point 8% and that's an addition to your state taxes. There are better ways to own your real estate Beckham protected from the nursing home. Keep it away from your children's creditors avoid probate and not cause unnecessary estate taxes. Top up scheme a lot from at Cushing and Elena put together train your guide to the risks and rewards of real estate ownership. This free guide will show you the best read on your real estate call now for your copy at 866848. 5699. At 8668485699. Investors searching for relatively low risk investments that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with an impressive one point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent AP why call 8776917. 900 today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more -- bank a step ahead minimum deposit to open and -- annual percentage yield is 1000 dollars Massachusetts residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member FTSE -- effective November 4 2014. Well best in business is right here Barry arm stroke and can carry him. On the financial exchange radio network. Amazon.com. Is test. Eat out a new service in order to deliver product to their customers now well. I think they're doing most of this testing because are getting ready you know gearing up for the holiday season and their issue is that they're concerned. That fedex's. It and the UPS is yes and some of the more standard. Means will not get their products their fast enough so what their timing is they're actually using. On cabs you know they're using taxis. To see if they can get products to their customers more quickly. Here's what they're doing the gears summoning cats through this thing called flywheel. Nights it's an up. And then they have these mini distribution centers and they load them with as many as ten packages right per taxi Jeff Beck. And as are all bound for a single zip code that you may pay the cat five dollars per package for delivery within one hour. That's pretty good in any state. Like I'm just trying to think about a year again it comes down to bury any YouTube users in this suburban area I think you probably you know use it bad if you could. Use that as a method of arrow getting your groceries delivered always comes to mind to me and a great righty yesterday case in point. Nine era at one of us had time to go to the grocery story and only nothing neat yeah it's just like that that's a problem that a lot of too. Two spells where both spouses are wanting they they suffer from that that might be a solution to. Absolutely hate the usual B that they have to set up these. Tightness these small distributions. Yes. You know but. You know like like for you you know for its distribution center forward there your whole race would be numerous as the codes they can be made come to the North Shore one distributions if you're in a rural areas you're certainly not gonna happen branch and I I still think it's going to be in your densely populated areas rate taxi drivers can pull up to their apartment building. If you deliver three packages this is they're they're they're testing it's not it's inconsistency ho works. And it'll be interesting to see because I think it's a really great idea will always be used for things like groceries though it may be used for all kinds of danger. You know suddenly you realize for the ninth birthday right and you need to get it there you know hurried it in the booming got a pitch that day so. And we'll see how that doesn't sit for Cisco I seem rolling now about a few more some urban areas I would think the other day we were talking a vote this soda tax that was on the bill. To be voted on in on Tuesday one of the bills this soda taxes in. I'm going with its efforts has gone into Berkeley across the back right bullet passed in Berkeley. It did he did not pass in San Francisco and Berkeley bill which now will be Lott is not one cent per ounce tax on sugary drinks and energy drinks. So what can of soda is going to be twelve cents more. It's twelve ounces. That it was before. So I it's amazing 75%. But it passed since I seven 75% of the voters wanted to. Is that amazing now over like I say on the San Francisco side. They voted down. So. We'll see if you know if they bring that back up we'll see how it successfully used in put all it does is anybody who lives in Berkeley and by the soda in Berkeley. And that may be true the driver over the town line in buys the girls he was back. It back I have writing you groups from the Berkeley dental society to the local chapter of the NCAA. At our am I'm sorry in double ACP yup and the teachers union and Berkeley school council and school board also backed this measure. He said they are looking young people and it recognizing that they're overweight or suffering from diabetes. Tooth decay and they said this is a way to try to curb those issues. Now look what. Glad they voted this right they voted on it up to them didn't it didn't get on the docket here. Yet just give I urge you just are no words not just give it time. We asked earlier lose readers seedy text message earlier for somebody in New Hampshire saying power prices. Word higher did you get any confirmation David death at yourself how much it's anywhere from thirty to 50%. And and we're gonna budget tax confirm it. There's a story today's Boston Globe New England consumers will see height winter electricity bills for the next three or four years. But blackouts are highly unlikely this according to a special report. From the investors service booties. The report on Wednesday said that without major pipeline or weak to import electricity from Canada. Tight fuel supplies in the winter months would lead to higher power costs so. And in the fact that there's not going to be black outs of this post makes no matter much belief about. How often do you a couple of capture house. It's idea either parts of the world where blackouts ever I understand that I yeah we're not we're talking about New England yet we have a lot of them here the answer is no I don't. So that doesn't make me feel any better don't really get a win yeah I. I didn't get a win he did get 40% increase in your electric one thing and thank you. You know this comes back to. The pipeline unity there's going to be a lot of debate over the next two or three years. And they're going to be. You're gonna have. A lot of people lined up saying I don't want that pipeline running through my backyard and frankly those running through my backyard right I'm right I'd probably go to gates and but the fact of the matter is the reason our electricity costs are so high as one we have an antiquated infrastructure eighty's he's the oldest part of the country right here in the northeast. So we've got an old infrastructure it's not. Purdue we still outlines above ground in the is a lot of things wrong with our infrastructure. But and you couple that. You know there's no we need to get the fuel source here it's natural gas right that's that's the that the fuel source to Burke we're paying camp. Five times the rate. That natural gas is trading for a New York so natural gas collars treaty for about fifteen dollars from BTU. Four dollars BTU in New York trading appear to like 1820 bucks right. That's why you're trying to figure out why air your electric costs so much higher. That it's like and I think that's why you're seeing so many people switch over solar power absolutely I think Europe well or are going to. When he rates all start to hit everybody's gonna realize what we're talking about. And I think that you know in the next six to eight months you're gonna see people inquiring laughter right where they get to this winter they're gonna say are you kidding me figures that. And they're gonna race is a couple things with solar power that be a limit it. One how many might solar power. Roofs that you're allowed to build on because the the they put a quote on it typically. Now we're nowhere near that limit yet but you can bet by the end at fifteen or sixteen and that's also win the tax credits expire right see that expiring tax credits. And the decreasing costs I think solar power and at peace takes off big time the sixty. We'll be right back patrolled solitary break late nutrition and you coming. I. It's back to school time and it's time for you. For two million dollar state. I don't know about you but I have plenty of other people in my life that I'd rather give 100000 dollars to. Cushing had Dolan has put together a brand new guide called back to the basics a guide to estate and asset protection planning. Call for your copy now at 8668485690. And planning. Call for your copy now at 8668485699. Again that number 86684856. And 99. Mortgage rates are still at an all time low and it makes sense to take advantage of these rates whether you're refinancing or buying a new home leader bank is a local bank that's one of the largest mortgage lenders in New England with very competitive race asking their experienced staff about mortgage financing options and get a very competitive low term fixed rate for your home whether refinancing or buying a new home work with leader bank call 8776917900. Or visit leader bank dot com leader bank lent over one billion dollars last year to homeowners. In the Commonwealth of Massachusetts. They're the true experts in mortgage financing. Deal with the local bank today and call 8776917900. Or visit the leader bank dot com for all eager home buying or refinancing needs 8776917900. 8776917900. Or visit leader bank dot com or email. Loans at the leader bank. Dot com. Hi I'm Joan Lunden and appear worried about your parent Carol Loveland 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 assisted living. Alzheimer's care nursing homes even important financial information. They had obviously researched every place not just given me names. They found me a place for 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 can't thank them and stuff. You're struggling to find reliable senior living information call place for mom this is a free service and you can trust them to help you. 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. Your favorite news photos and sports updates on your phone with a HP mobile from the Associated Press the new HP mobile is now available for free and iTunes AP mobile where the news gets its small business lending congratulations to you in your tank you very much thank you Betty. I'll not a credit goes to you IK ammonia showed two months ago. We dug about the special program leader bank had products mom business Christmas. And because of that deal model business we got the people. Advantage of that smile program. We the number at the fifth lies yes that's the Hernandez USB very proud. Very proud of for my team on my whole team we are creating jobs in me by lending them money you're creating jobs and your help and motivate the economy. And we act absolutely absolutely we are making contribution to the locally you've done right so we have introduced in new product now. But this year BT's 50000 dollars. Operative to pause and have border and help us and if forty alone have we get indeed I've been deemed ten working days would close a long. And Betty impaired documentation is a quiet so anybody looking vita. He SBA loan please contact us on databank will be developments like databank dot com would give us economy. There are a leader in small business lending 50000 dollars four year term for an A half percent interest rate their phone numbers toll free 877. 6917900. Or visit leader bank dot com get the call their terrific bank and they wanna be your business lending partner. 8776917900. Leader bank dot com. You may be wondering if you've saved enough to make it through retirement. Now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have to eat enough to pay their medical expenses during retirement if you feel like you're included in that category then we have help for you must today an 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and challenging their paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America ink member finreg SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and the securities America companies are unaffiliated. Pat Boone here was the word about bank safety do you think your money in the bank is safe. Don't bank on it but generation ago bank account felt secure and they paid interest. This encourage the virtue of thrift savings but the day. Bank accounts paid virtually nothing. And if shifted from lower risk to high risk for example did you know your money deposited in most US banks could be subject to limited withdrawal. And even confiscated by existing executive orders who who he hit this. And that's just the first of nineteen risks explained in a new 32 page white paper entitled don't bank on it. Still think you're bank deposits are safe. Yet this vital new white paper now call toll free 8051960. To 71. That's 8051960. To 718051960. To 71 or at Swiss America dot com. Why 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. Are you thinking about transferring your home to your children in order to protect it from the nursing home. Did you know that if you do you put it at risk for your children's creditors including future divorces. You really wanna read it check tear former son or daughter and not just to buy the Acura own home. Not only does transferring put your home and rest it can also create a huge capital gains tax when they salad. Right now the federal capital gains tax can be as high as 23 point 8%. And that's an addition to your state taxes. There are better ways to own your real estate beckon protected from the nursing home. Keep it away from you children's creditors avoid probate and not cause unnecessary estate taxes. Top up scheme a lot from at Cushing and Elena put together three new guide to the risks and rewards of real estate ownership. This free guide will show you the best read on your real estate Kong now for your copy at 866848. 5699. That's 8668485699. Yeah. There. You're always hold on your checkbooks and give her portfolio's break. It's time for the financial exchange with Barry Armstrong and Kim Keller again from Wall Street too you're street Marion Jim and John you covered peaks the financial exchange with Barry Armstrong and gene Kerrigan. Hi everybody welcome to the second hour of the financial exchange in we've been busy hour. For you gonna be joined by Joan saudis late. From nutrition and you but we also have Beth Healy coming on. At a sent about thirty minutes Bethel come on to talk to us about bank one united that's that's her topic her emphasis right now. Before we go to Joan though I wanna give me your second trivia question of the day. What was the deadliest type of poison gas that was used during World War I if you know the answer that question please text us. What was the deadliest type of poison gas that was used during World War I hour text number of course is 686. On it I don't yet not quite okay. So I just wanna jump back territory techsters here we appreciate your but he being involved in the show. Talking about that power you know with the demands that Arab world and being forced to meet you as a result of power prices going up. Somebody says you know no Christmas lights for us this year and get that certainly. But this is my favorite 1978 says I may have to moonlight on route one at the cabaret to pay my utility now with the cabaret. It's stripped of little. Now I don't I'm not an option for me I'm wondering guys and they is that a real sacrifice or is that. Maybe maybe she enjoys well maybe it's me and he's got to be about or. And her eyes as a. Actually a lot of people texting you know about that an issue for a lot of people as we head into this winter. Now the only thing you can be the he looked alongside of that is. You do have lower oil and gas prices yes race of gasoline prices yet little bit of a break there but it would be nice to just get a break. Just period right now but your ass right about that because it can be real double whammy if you had your oil price is ridiculous which would mean your food prices would be ridiculous and you know and then you get your electricity bill on top of it so we're trying to find the positive that site. To tell you like is joining us now she's of course blogger nutrition in you which is at boston.com which is also professor of nutrition. Beat you good to have you stone. He a great topic on your blog today in this week and that being the mixture of dietary supplements and medication I think everybody thinks that these dietary supplements that you taker just freeing clear because I didn't have to have a doctor. Prescribe them but they can be somewhat dangerous and I guess when you mix them they're two real issue. It's really should attack at an issue for over seventeen million Americans who take both dietary supplement. And medication that would have been described you know for the partner. And you really we can put them to get the could be but can speak to be it music with unhealthy quite. Joseph and explain to people what dietary supplements are because some people may be taking them and they don't know it. Sure and that's that's the issue I can because they don't want natural it could be bite in the but it could be eight herb that you are taking. The happiness found and trusting your urban racing green. I have an appointment with that should mean there be good. So give us some examples of of some issues that have occurred. 121. But are you protect me. When I was doing this. The applied for Boston dot current year. If any means riskier. Like Pakistan commission to meet and DA. Potentially could taking the birth control pill. Do you want to be taking. The rebels of missing children want. To hurt. Cons of dietary apple they can make the bill meant he acted. I mean that's a big the cut down your idea really digs out spent a and I think that not be an advocate. And if I like who would've. Thought. Is that we have of the public and accurately as well lot of women that are taking part in an old. And you know I think issue could be unfortunately there aren't as protected and shifting to walk. I would imagine this also becomes a real issue. Anybody who takes a medication on a regular basis I think a lot of times you start forgetting that you take that many patients so let's say somebody who just take what pressure all right time right right. And is you just aren't thinking about that so then you decide oh gosh you know I'm not feeling well and I need debt. You know big I am looking at a man right here who's very famous for every time he you know thinks he might be sniffing. Then he takes on something like this guy writes I can't take for for iron paralysis think back and think right that can be expected maybe be an issue that you. But he doesn't mean it's the patent statute that would give it to him because he became so you. It's an expectation that you forget to let you taking medication just because like partially keep them. And an interesting for not. You know high blood pressure medications or some people have high blood pressure heart disease they may be an open Mike and there like a crude game. And if they can take you to go on to be taken it with a kimco. What biting me. He'd be quick spoke that the book on the plight in Egypt actually also in the polite. To protect the point where we don't want that much and you know added that doctors are described in patients. He or she is basing it on that at this certain out and applied it took a spot in the right but meet the cut. But if you got any war in. Supplement I'm content that act could be good. Sure actually so. The answer here is if you or someone who's on a medication you need to speak to your doctor obviously about any kind of supplement that you might be thinking of taking. That's exactly correct so all the clear with the health care professional because. You know you may read about it but it may not be good view based partly personal his unit to in any medication taking. Aren't this lot and boston.com. I could definitely talk to very very extensive and very natural to propel. Database listed all of dietary Appleby. Don't like to prep what to do and more importantly what to pull potential interaction could be Q is there medication. So it might be. Very very yen at. Quick click away you're making sure that if you're on and Medicaid and you offer to explain these them from the you lose Baylor talked about. Absolutely. I would it was worth looking at to see with some of the supplements starting lineup I think a lot of people don't realize the supplements are quite healthy right as they sound Graham for for some individuals. You know from him and he needs a lot of help take zinc left and right let me tell me. Just felt like thank you very much attrition in union tried apart and I'm by. They just from my view your doctor tells you what's the best medication and you don't and it's so true yeah. Feel like I have this thing that my body stores iron so the result of that is that I can't take a vitamin C supplement of any kind because. Vitamin C helps your body retain iron to literally having hired music well I'd I'd well no it's good for most people my body just routines too much of a I don't get rid of. So over store. Who would ever think the tea vitamin C right. You know you start to get a cold and you think she'll just dentist to elect a vibrancy and I'm someone that would be very negative force. Be sure you check those supplements folks and especially if you saw me take medications. You know one of the ballot questions. That occurred earlier this week in past was sick time now the US talk about that. And so what this does is for individuals. Any company that has a lot of employees or more they now have to provide forty hours of paid sick time. For their employees. Or they'll have to provide certain amount of unpaid sick time that is illegal to take. You know verses mean firing someone because it takes time what they're looking at here probably. I'm low paid. Employees. Who have to this point did not have that and you know how this was touted was that you're talking about people who are becoming a works that. Because they can't afford not to be at work. Or who are being forced to bring their kids to work sick or. You know something like that so this this did pass the argument is that for small businesses a lot of employees. This is a huge burden on them. Well the way it works is for every thirty hours that you work you get one hour of sick to select effectively. You know because people are gonna take it right to say whether the are sick or not there to say well and I'm taken sick time. So it's that 3% raise for everybody who's covered by this new law. Or forty hours of vacation right. Yeah it just. He if it puts it it's an additional cost to you the employers are not happy about it please obviously are happy right good for an employee that blatantly attract. Two guys remember Craig Spencer that name name ring a bell. Evil doctor cope. That terrible you know how quickly we forget that. Craig Spencer in New York City Doctor Who contracted bowl while caring for patients in Guinea. Is improving and remains in stable condition this according to health. 300 in 57 individuals in the New York area however are still being monitored as a result of him coming up. Because this is that (%expletive) up remind everybody this. You know he he came back from. Treating me it was in new Guinea's at which in Kenya. Sneaking back and he was self monitoring and he's a doctor to check in his speeches. Temperature in the morning in check in the afternoon and he was. Fully aware of what it was he was looking for wit notes had been backing on a Thursday. And he on the weekend went out met friends and rode the subway and went bowling and that all kinds of things and then the next morning. Suddenly has symptoms and. So there was a real question as to how many people are coming contact where it hasn't been a lot of efficient she was really the beginning of the real. Debate about whether these fourteen right one of these volunteers who come back should be quarantined. It. Now that he's going to be all right sounds like he's going to be our right were watching and nobody else is dotted so far. A remind everybody only two people died and and how far in this he's pretty far into the yeah he's here aiming it did these people have works pose a while ago. So it looks like most people if you know he yeah he fell ill October 23. He's almost. Are when we come back who got big news coming out of McDonald's. That's right McDonald's is up next. It's. Barry Armstrong and comparative. Right here in the prior to exchange radio network. Investors searching for relatively low risk investments that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with an impressive one point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent -- call 8776917900. Today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more -- bank a step ahead minimum deposit to open and -- annual percentage yield is 1000 dollars Massachusetts residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member FDIC rate effective November 4 2004 team. Are you thinking about transferring your home to your children in order to protect it from the nursing home. He gene know that if you do you put it at risk for your children's creditors including future divorces. You really wanna write a check tear former son or daughter and not just to buy the Acura own home. Not only does transferring put your home and rest it can also create a huge capital gains tax when they salad. Right now the federal capital gains tax can be as high as 23 point 8% and that's an addition to your state taxes. There are better ways to own your real estate Beckham protected from the nursing home. Keep it away from your children's creditors avoid probate and not cause unnecessary estate taxes. Talk about ski in the law firm of Cushing and Elena put together train your guide to the risks and rewards of real estate ownership. This free guide will show you the best read on your real estate call now for your copy at 866848. 5699. That's 8668485699. Investors searching for relatively little risk investments that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with the impressive. One point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent EP why call 8776917. 900 today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more with the bank a step ahead minimum deposit to open and earn annual percentage yield as 1000 dollars Massachusetts residents only penalty for early withdrawal including iris penalty which may reduce earnings rates subject to change without notice member FDIC rate effective November 4 2014. Hi I'm Joan Lunden and appear worried about your parent Carol Loveland 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 assisted living alzheimer's care nursing homes. Even important financial information. They had obviously researched every place not just given me names. They found me a place for which she could afford and it was magnificent. Where now. Very confident that she's safe and they just helped every step of who I can't thank them. So. You're struggling to find reliable senior living information call place for mom this is a free service and you can trust them to 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. Text your questions or comments or 68680. Its Barry Armstrong and Ken Kerrigan on the financial exchange radio network. Mustard gas it was the deadliest type of poison gas that. Was used during World War I came here it is certainly wasn't Michael me that he's in South Weymouth and we thank you very much for listening to. Big news for those of you who are fans of the mic rig. But the question is how many of your fans of McDonald's period because McDonald's has been suffering they really have had a hard ago. And it I think it's been a combination of a few different things within their menu ago we two. Convoluted way too many things that are trying to streamline get back to what it is that they do best. And secondly I think a lot of younger people are very concerned about calories and what they perceived to be an unhealthy meal. I'm not sure about that is is we think about that and I have been at McDonald's and long time but then. I asked my younger staff that I work with on a daily basis all the time itself. You know crazy I look at it I can't afford to go because it is Michael I just the collateral account is too high. It's so for what I want when I go to McDonald's here's what the big Mac. Large Fries. Strawberry milk shake supersize that'll yeah that's an act like you're right that's why you're not telling him that sat up. If and that's that's just you know that's a lot account let me give you an idea what how many calories that does that make rib. Which is going to be about 75% of the franchise across the country this is a news yet what they bring expect every year it's very very popular although others have via associated with this year alternate as a minute but the big rib. Is 500 calories. And that is compared to their big man in which is 530. Have you ticked that big Mac for 530 and you put those supersize Fries on the side and a starter. You're looking at a meal with him probably portion. On a thousand. That's at least Natalie back ice hockey tournaments ego up north for hockey term it's 15100 out of McDonald's and in at last jobless easy we have into the messy for a week. You know you wouldn't. But you know here's the big issue with with the the grip. Very popular people really like gather the last time in the crib was out apparently some video. Surfaced of him and it went viral and it was video of a frozen mic or. Now a frozen Mick red is a very unappealing. Each grade them. It's. Chuck it and in what you're thinking of what would people think of the mic or that they eat it's all in barbecue sauce I got the pickles in the onions on top of all this camping world of frozen when his great. So people started to question whether that was actually pour it. And the last time they had on the market didn't do nearly as well after the video went viral and people got scared away. So in addition to this played pretty beckon 75. Percent of their stores. They've also launched a huge social media campaign even in assuring consumers that it is 100%. Cork. And anything that they saw in the past was just. And the due to being frozen. Well I might have to trial. Because I've never had a McGrath had many big Mac. But never had immigrant. There and go so. It is my guess who indulge I can Davis it is bad popular enough that they brought it back year after year and always hoping that it boosts their sales Eric. And I have a special announcement on behalf of Cushing in dole and somebody asked the question. If you put your house your real estate into a nominee realty trust. Is it protected from the nursing home and will it avoid probate when you die. Let me avoid probate depending on who you name is the beneficiaries of the nominee realty trust. But it will not protect a home or rental property from the state in the event that you become ill and enter into nursing home. Cushing and Dolan during the month of November. Is preventing or presenting a new guide it's called the risks and rewards of real estate ownership argue via phone number to call. 8668485699. If you have your real state in a nominee realty trust you probably want to call. And get this guy it's free and only have to do is call 8668485699. The phone call is free and so is the guy 866. 8485699. We'll camp. I don't know about you but I was very happy to have elections behind is because we don't have to watch is darn TV too. That's for darn shirt that's a reason to be happy that it's behind this. However you know I don't it appears that. You know there's all these political ads so boil all of these. All these television stations these networks must be doing really really well but the fact of the matter is almost canceled the very lowest price. Except for the pac man you know like your political action committee movement and you wanna buy commercials they don't get I I didn't notice until recently it could that the skin but they all those ads that were. You know. PAC has packed room though they don't get the the low low price. And if he talked the people we you know you know I've been to meetings or talk to these TD. Managers in the name make a lot of money during the election year. Absolutely it's a positive thing permission two ways about that a social map that's the most important thing so. But a TV ads overall are shaky ground. Because a lot of you know marketers are a little bit on saddled. And were unsettled until this election was over analog and digital outlets but I can sum this all up. You can assume that any cable network in any network is not doing all that well unless they turn football into the third quarter. Fox is in great shape revenue was up CBS fox and they've got they've got football revenue was up. Do you did you watch it we knew watch yeah I know your big football but do you watch live. Yes you do everybody watch it live there you're the only human on earth who watches would not want to. Yeah I because there's too many they give up football game at sixty minutes long it is only about. Like nine minutes or eleven minutes of actual action so you're dedicating three house hours of your time to watch nine minutes of of like guys running and hitting each other and throw the ball well there's not nine minutes because football games longer than nine minutes so there's little Delaney vivid action like that don't look at the act played in measured him or anything yet you mean actual play time yet lately have been a target like actually the law has been snapped up. To win the guy's been tackled it's nine to eleven minutes. Out of the sixty minutes that are on the clock at some more I don't care it's a great sport to watch the vault and everybody watches life yes David. I don't if your normal I do not like football I don't watch any TV I record it right in the and I blast through the commercial well I will say this to you I don't watch any other TV lights at news. But that's sports. I just actually I know you're at I watch like Jews yeah I think the unused life and I mean I. I don't understand the concept of watching. Sports. I mean you party if I don't want to shelter your life you know I don't you think he'd kick on FaceBook twelve. We want you heard it just. It takes away from me now the latest ardent social media today Jason stock into last Sunday there he went to a movie. With his body it's any was out at the movies during the patriots game. And so he tried to not know the lowest but he showed up on his boat. So kind of ruined it actually watching honor accorded basis she got what I do's our our record the first half hour. And then I'll watch you know watch and elect catch up that I take my nap. And then I rushed for a second hour and then night I watched arrested. I can't. I don't think it's a bad like I just think TV has a big problem well they do not watch in the commercials it that's exactly why there. It's very Armstrong and Jim Kerrigan right here on the financial exchange radio network. Investors searching for relatively little risk investments that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with an impressive one point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent -- why call 8776917. 900 today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more with your bank a step ahead mineral deposit to open and -- annual percentage yield is 1000 dollars Massachusetts residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member FDIC. Right effective November 4 2014 this is Barry Armstrong and I'm joined today by estate planning attorney Todd looks from the law firm Cushing handle. It's time for your legal exchange quick tip of the day were talking today. About the different ways that you can only real state and Todd I want to ask you this one. What are the implications of transfer your whole C just take your home yet and you give it to your children. In order to protect it from the nursing my ex he had somebody asked me this yesterday sixty years old. In the heard about the saint transferring music like this yeah I kind of makes my teeth itch. Really you know GAAP putting your kid's name on anything while you're living is frightening with or without the light for states a year question was interesting it was. At least using a life estate does provide the parent the right to live there that some protection I I feel better about that. But I really don't like having the children's name. On any property. For the following reasons one when you do that it's a completed gift to you've lost all control over you don't notice it anymore. I worry about if the kids go through divorce an ex son in law the ex daughter and when your house like. Number three Izzy you know Ali you know I don't you've now subjected manager just said Barry took their creditors and doesn't. Necessarily have to be divorce does it could be a lawsuit business failure anything. Could be any creditor so they don't basically that creditor has the ability to get the ascent to pay them back which means you lose your home I certainly don't like that idea not to mention there's also a tremendous amount of tax problems associated with doing that so don't don't do that. Sorry I've got some advice for you learn the best way to old and protect your home your vacation home in your rental property. Call for Cushing and old brand new guide to the risks and rewards of real estate ownership 8668485699. That's. 8668485699. The guide will teach you all about the risks and rewards of real estate ownership. Whole free 86684856. 99 you may be wondering if you've saved enough to make it through retirement now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like you're included in that category then we have help for you us today 86681064222. Request a free guide on healthcare and retirement planning is crucial and may even help lower costs and pillaging their paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America ink member finreg SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and securities America companies are an affiliate hi this is very Armstrong from the financial exchange recently I've been hearing many reasons why we should consider buying gold geopolitical uncertainties stock market corrections you name it I don't disagree with the idea of buying gold but I have always been suspect of the ads that I see on late night television for even the ads frankly that I hear on the radio I like to buy gold from a local institution that I trust I owned gold and I bind my gold coins from leader bank I walked right into any leader bank branch and I can buy American Eagle gold points leader bank is a local bank with. Branches in East Arlington Arlington center Arlington Heights of Belmont Burlington and Central Square Cambridge thank locally and buy your gold coins locally it just makes sense give leader bank a call and learn more about their gold coin. Programs 8776917. B 900 or visit leader bank dot com leader bank a step ahead not a deposit not FDIC insured not insured by the federal government agency not guaranteed by the bank may go down in value. Yeah. Follow him on Twitter I'd take a carry him you're listening to Barry Armstrong and can carry him. On the financial exchange radio network. It's time for your third trivia question of the day. What was the name of the first tank. That was used in World War I you know the answer to that text a 68680s. Or text number what was the name of the first tank used and developed. In World War I. Our text number 68680. Our guest is Beth Hugh from the Boston Globe are you don't Beth. Well good morning good eight nice article on and one united bank Tim's been died talked about this is all day long. And well one united bank a bank that has had some issues in the past first bath let's talk about that. If this that the bank it has had lots of difficulties in recent years. You know what united is actually one of the largest. African American owned bank in the country impact of the sixties and box and when it was important that get lending in minority communities. But reports in the last couple years with the thanks. You know ran into financial difficulties in. Had problems with the regulators because there too many Turks send anti car than owning a mansion and Monica regulators need so it. They had to get twelve million dollar TARP bailout in two dozen Asian financial crisis they still haven't paid that back. And most recently people may have never called the story that we've written a lot about where the bank and a huge fight with. I think famous black church in Boston. Again I don't Allen now has held that story right. Still it. Charles street AMD and really in response to church goes back to where is that when a Beacon Hill they have had their church in rocks buried for many years now. And they were trying to build me ticket construction loan from one united to build the community and mark Perry. One million dollar loan again bridge part of it Turkey haven't problems repaying it that bank you know and extensions. The bottom line bank one of the money back church didn't have the money to pay it. And he'd bank threatened to auction off the church building. So the community with open arms there or letters from senators. From both parties. Need a troubled retreat from. Harvard is trying to mediate and that the bank is I wouldn't play ball and being the church filed for bankruptcy protection. And it's been just enormous. Norma for the inside the bank has spent two point eight million dollars on lawyers trying to collected by the. War. A bank that by the way is bad business well that's it and this is a bank that you know touts itself as being part of the community and and this is what they got you know. So that dropped out of in the headlines for awhile here bath and then suddenly. You've you've come up with this article and why is that what was the result what happen. So that report came out bank regulators Czech banks. Every few years to see whether they've done their part to community lending between if you take deposits in Dorchester Roxbury and an hour or wherever it. Somerville. Unity making loans to people in the neighborhood where you work pattern deposit. And you know this really was aimed at Yale days at that at the large banks. To make sure that they weren't just collecting. Deposits from people in low and moderate income communities in not making a lot to. But why everybody. And Charles street. He's one united embarrassingly. Eddie Eddie needs to improve operating communities land basically because they're making. Eric you alone in Boston. Or in Miami they've shifted most of their lending out to Los Angeles. But your headquarters is still here. Why are they not doing the landing in Miami and Boston. Well. Technical he was the chairman and who with his wife that the majority owners of the bank. They. David LA's a better market. I think they also. Say he got on the ballot yesterday the first time in quite a long time and you know he claims that the that structured situation has hurt bang you know that's millions of dollars. Sitting merit that they can't do something else less. They made eight loans in Massachusetts in 2013. Twenty and 20126. And 2011. And the regulars just that it it's pork pork. Social what's the answer to that do they have to start to to make more loans they just need to close up shop here locally. Well that's a great question. You know this is your headquarters it's historically their headquarters to coyotes. Have a home in Chestnut Hill. Terry Ryan. We haven't quite as president of bank she was honored just last month by the NAACP and Bob and anything that historically had this. Kind of high profile. Here in Boston and yet. Not a place that an interest in making a lot of plan for the moment. I mean a bank. Is supposed to lend money based on the ability get paid back right that's the business therein. And it DD get the sense that that they're just a bit if there's bad loan quality here. Where they're being asked to land. Well that's Kevin goes he would it would. Telling you in instances that the regulators are saying you know what you look at all of the consolidation and that happens and the Boston market you know. That they are they don't quite by there isn't an opportunity here to make law. The it just reminds me you know as we're talking about this you know Freddie Mac and Fannie Mae they used to put a lot of pressure on the banks to loan in. You know bad neighborhoods benefactors historian Providence about a bank Payne a big penalty for you remember the whole redlining scandal Beth you write about current. And it it it it smells of that great that you say to the banks eight got to go out their loan. Well and then the loans go bad in your mad at the banks from in bad loans. Well you know this is what does that work community reinvestment act that way it's you know that that that act is passed to help deal with the Red Line right. But you know as some fashion you large banks concern and open deep they can help us either I'm Kerry requirement by state depositing money where it. A bank like one united that it won united and then make those long. But when United's match on that is interest paid and landing gear for several years. Well and you know you lose two point eight million dollars just in litigation. On one loan goes bad yes it is bad business on. Well the it's bad business on the part of when United Nations settled yet they should've gone to the church and said okay we'll settle it for two million area you know who negotiated something. They eat they eat you you know how to goals that he get into it you start written checks and also near and put a 1000000000005. Just. You know guys good money after bad. Well it has been a pretty unfortunate invite to watch you know and I think it's that you know was really bad for the church and it what is. Certainly hasn't been good for the bank is that your your General Counsel to president spending hours and hours and bankruptcy court paper years. You know if you'd think you'd rather be at during the visit the. Right right. Well it almost looks like they have it and that's that's the whole point right they haven't been out doing business of banking had been wrapped up in this Los. Alito kind of is harking back we'll hear two you know Mayor Menino is. Is back in 2007 and you know we wrote about this plenty but he stated over. You know in Roxbury with. The coyotes. Back when they were opening their transparent declaring Townsend. You know this is going to be a great partnership between beauty and you know picking the deposits from the church and then essentially making them alone and you know unfortunately it's it's. I'll come to naught. Didn't work out that they did not write. Our Beth thanks did some research there really appreciated. Our time. Right the name the first tank used during world or one was little Willie and I only saw one person that got that a lot of people guess Sherman but I think Sherman was World War II. Who were looking for World War I it was little. Willie is out of it yet little Willie. Lose the name of the first day tank used during world one when we come back at talk about the latest trend in housing. It may explain why household formation has been so weak during the last five or six years. And this is the financial exchange. On the financial exchange radio network. Hi this is very Armstrong from the financial exchange recently I've been hearing many reasons why we should consider buying gold geopolitical uncertainties stock market corrections you name it I don't disagree with the idea of buying gold but I have always been suspect of the ads that I see on late night television or even the ads frankly that I hear on the radio I like to buy gold from a local institution that I trust I owned gold and I bind my gold points from leader bank I walked right into any leader bank branch and I can buy American Eagle gold points leader bank is a local bank with. Branches in East Arlington Arlington center Arlington Heights of Belmont Burlington and Central Square Cambridge thank locally and buy your gold coins locally it just makes cents give leader bank a call and learn more about their gold coin. Programs 8776917. B 900 or visit leader bank dot com leader bank a step ahead not a deposit not FDIC insured not insured by the federal government agency not guaranteed by the bank may go down in value. You may be wondering if you've saved enough to make it through retirement now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like your included in that category and we have help for you close today at 86681064222. Request a free guide on healthcare and retirement planning is crucial and may even help lower costs and biology they're paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America ink member and rat SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and securities America companies are unaffiliated are you thinking about transferring your home to your children in order to protect it from the nursing home. Did you know that if you do you put it at risk for your children's creditors including future divorces. You really wanna write a check tear former son or daughter and my justified Acura own home. Not only does transferring put your home and rest it can also create a huge capital gains tax when they salad. Right now the federal capital gains tax can be as high as 23 point 8% and that's an addition to your state taxes. There are better ways to own your real estate Beckham protected from the nursing home. Keep it away from your children's creditors and avoid probate and not cause unnecessary estate taxes. Top up scheme a lot from at Cushing and Elena put together Korean new guide to the risks and rewards of real estate ownership. This free guide will show you the best read on your real estate call now for your copy at 866848. 5699. That's 8668485699. Mortgage rates are still at an all time low and it makes sense to take advantage of these rates whether you refinancing or buying a new home leader bank is a local bank it's one of the largest mortgage lenders in New England with very competitive race asking their experienced staff about mortgage financing options and get a very competitive low term fixed rate for your home whether refinancing or buying a new home work a leader bank call 8776917900. Or visit leader bank dot com. Leader bank lent over one billion dollars last year to homeowners in the Commonwealth of Massachusetts. They're the true experts in mortgage financing. Deal with the local bank today and call 8776917900. Or visit leader bank dot com for all your home buying or refinancing needs 8776917900. 8776917900. Or visit leader bank dot com or email. Loans at leader bank dot com. But best in business is right here. This is the financial exchange on the financial exchange radio that. Well here's your fourth and final trivia question of the day. Who is the most famous German fighter pilot of the World War I he knows the answer to that you can text us 68680. Who was the most famous German. Fighter pilot of World War I tech's number 68060. You know Kim we've talked about. This whole topic of household formation. And it's a statistic that I watch very carefully because it indicates whether or not people are moving out from. Mom and dad's basement right after they graduate college and starting their own household. Terms out I'd be had been looking at this the wrong way. How. Well it is turns out now people are moving in in their farming households but they're pouring in with strangers him roommates threw it right. It's it's amazing to see how this is increasing percentage of adults living with someone who's up their spouse or not their partner can. Is now at 32%. And that's up from 26% back in 2000. So that's a pretty big jump in just fourteen years. And the reason they're doing this of course is because incomes are down and rents are high. And they need someone to share those expenses with and if you're not married and you're not you know involved with someone else you're looking for someone to help you with the expense. We think about living in New England but let's just take a look at it costs the you've got your rent right now your rent can range from. You know is if you're sharing place right anywhere from 700 to probably 15100 dollars per bedroom he's right to be they keep your. Will deliver and are not such a nice place right again share a three bedroom cure for senator bucks per person. If you are nice but if you beat pay in if you're in Manhattan it's it's going to be very expensive absolutely but that's just one component of your costs like peas and you've got your student loans. Then you've got your car loans. Then you've got your electric bill which just went up by 40% thank you very much and you think about all the expenses. It does make sense as to why you're seeing more home sharing now. And you may have in the past right right. And it's in it's interesting you know there there was an example in this article that you and I were reading. About these two women who live together in Manhattan because expenses there are so astronomically. High. And done these women have lived in the same apartment and have been friends forever so in addition to the fact that they are sharing the expenses which are very. They say it's great because they have a built in print up. Native companionship you can be and should be out you know they entertained together now they have mutiny of budget mutual friends and and they just come to know each other through the years. So I it's it may seem a little bit strange and foreign to a lot of people this idea of living with someone who's that your spouse or. Not your partner after you've left college but it's becoming a necessity for a lot. The way did you tie together the average of our prices range of one person lying and the person currently renting from bad to right it's shocking that the dream. While not Davey you know. Think about it though lately when you graduate college that's kind of the norm right. But once you get on him to want a place your time later in life he's forty sort Cheryl women. And I bet they're doing it gave because wages are low unity we haven't had wage growth. In a long time and will probably not gonna get wage growth until unemployment gets down to five and a half percent or five point 9%. We're really getting jobs report tomorrow by the way we should take. Guess as to what we're gonna get I think you're gonna get a good number for jobs you yeah. Do the ADP number came out yesterday very strong and and here to get a lot of seasonal hiring going on right now the EP here November December. You know think about how many time we talked about Amazon's hiring fedex's tiring UPS's iron there are jobs out there you that there may not happen in January that their jobs available. Rate now and today. But until you get unemployment down telling. Five and a half percent is cutting your magic number you don't get it to five for five and happy. A year from. Now we'll see tomorrow yeah that he followed that have a big impact on a lot of things. Well that's true I think it's interesting an Italian but I guess I was single person in the Manhattan. You would I when I think of is being green is if he lets your single person. Who's a career person and you travel. The jets have a place. When you because if you had somebody who live there number one they'd be here all the time to keep an eye on what the heck was going on. An empty be split near your expenses and you wouldn't be home very much you know it's hard to find somebody get along. That's the age for that had to be the issue roommates eateries are people going to places is they drive right victories you've had enough you know enough government throughout its stock on the door and your 45 years it'll. Yeah in this league soccer the government. And a half at a now I can't. I can't and you know I wouldn't like I would be very difficult again unless it was somebody like I said a professional who travels Nazi receivers but necessity. Caritas in these days this is this is the type of thing is born and assess while the other part this is if you're not doing this you know having you're making your renting out the other bedroom which to me is so weird. You know I know you like that idea I don't like. European beef and in Reno strangers into the house I would rather have a consistent roommates in my mind yeah and I trusted. Then to have to strangers who came in three nights a week. But air B&B is another advent of of what the it's just another example. Of what this economy has brought on absolutely people who live in urban areas in particular is not. It's going to be popular if you live in the suburbs and I note it was a war rent a room at your place for three days if you live out in the sticks out. But if you live in an urban area would you live in it could be westar could be New Haven Springfield Boston Manchester Nashua. You know people people coming in. And and they are looking for a place right in rather than staying at a hotel used error B&B. To rent a place for 34 it's a lot cheaper. And you know and and weirder. If it I thought it's harder on. That person that owns the property. Vanity is on the person absolutely I agree 100%. I just think it dues to bring strangers in in my home and to be that trusting. Is just not my nature yes but again it's born out of necessity yes. People say people that are participating in these programs are saying. Hey I have to do this because if I don't I'm gonna go house wannabe delinquent on my mortgage and it can weaken we can I give you the people. What was what what did you what was beyond question before the last on the tank yes Stewart knew that from Brookline little Willie and them credit Steward of that for replied. And then your last question was who is the most famous German fire fighter pilot of World War I and who was. The red baron. Bond rectal and Eddy it was indeed know any was the theme of the Canadian man who shouted down Manfred. Manfred Von recovered maybe I remember the last in his letter but he was known as the red baron yes yes well Sean knew that New London New Hampshire. And Sean we thank you very much and teacher today McClatchy listening that's right. So here's something to look forward to. We just get over the political advertising that's been going on rate and how long did we live through political and really began in earnest October 1. Was it that that latency memory had the primary remember to Mark Reynolds in adversely right. You're right so maybe I should back that often mean they spent a lot of money that's how pathetic we had a quick to a little hole there and then you're right about that. CEO had all that primary. An advertising going on and then you had the campaign advertising which was just. Brutal served no matter where you lived in New England if you're Connecticut you're you're subjected to fully vs Malloy. If you're in Massachusetts the biggest advertisers were Coakley. And and Charlie Charlie let me let me tell you too I hear dying Connecticut. You not only did you endure Gingrich is constant barrage of ads but they were nasty that was nasty campaign.