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12-18-14 Full Show

Dec 18, 2014|

12-18-14 Full Show by Barry and Kim

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

Radio networks very Armstrong here today joined by. Higher body it's very Armstrong from the financial exchange and I'm here to congratulate. Mr. so shield to leak from leader bank. So she'll. 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. Thank you very much thank you Betty. Lot of credit goes to you I came one year showed two months ago. We dug about the special program leader bank had products mom business Christmas. And because of that via model business we got the people took advantage of that smog program. We the number at the fifth and I guess that's the attendance US be very proud of very part of what my team on 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 had absolutely absolutely via making contribution to the locally you've done right so we have introduced in new product now. But it's he had VT is 50000 dollars. Up but it doesn't have border and help us and if audio loan that would get indeed I've been deemed ten working days would close alone. And daddy impaired documentation is required to anybody looking tied at the SBA loan. Please contact us on databank will be developments tonight databank dot com would give us a cop. There are a leader in small business lending 50000 dollars four year term for an half percent interest rate their phone numbers toll free 877. 6917900. Or visit leader bank dot com in the call their terrific bank and they wanna be your business lending partner. 8776917900. Liter 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 collect or spousal benefits at age 66 and then she could claim again at age seventy based on her own working record high 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 called now 8668106422. Securities offered through securities America ink member thinner 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 law. Can they. The basketball we're. 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 energy lives here at Exxon Docomo mobile look comfort 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 the buildup of harmful toxins and gases don't bother with the 1888964. Way -- 1888964. WA VG. Today's senior citizen has a one in four chance of spending time in 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 it 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. Collar office right now to request are bringing new guide that will teach you how to creating a state 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 feelings for the past thirty years it's time you found out how they can help you. 8668485699. 8668485699. I. Okay. Orleans hold on your checkbooks and give your portfolio break. It's time for the financial exchange with Barry Armstrong in Kim Keller again from Wall Street to your street Barry and -- have got you covered -- the financial exchange with Barry Armstrong and gene Kerrigan. God bless him gallon in the Federal Reserve. That's a. Everything is like fifty isn't it something kind of eased however but he just sits back and hold their until she's beats me she really can do some damage is she so chooses but. They finish yesterday she chose not to do and now one word. I know it all came down to one certainly did patients. Right these they're gonna have patients will exercise patience that I was up but at biggest days of the year you guessed it the year yesterday and Wall Street 280 points ago was and today where we're headed in the same direction everything's up. Niners but dead Dow's up 240 points in the S and p.'s at twenty knowing points. You may get big you talked about the Christmas and Santa Claus rally again to witness and remember this rally the Santa Claus rally covers. In the 45 days. After crisis solely yours boxing game a New Year's Eve has all the portfolio managers are trying to. Jazz up there numbers for the year and so they hit their bonuses. So uttered when it went where Google. You know only trying to time this market boy has been very dangerous game maybe there portfolio managers have next week off so they beat again I don't know I'm telling you do I'm not a those guys will work to closing bell and new years. That's the there there companies are let's talk about jobless claims that there may you would set the agent is remembered as we do which it was going on the world. You know we hubris about this time a year it'll be so slow it's not close this year you know with the the situation we talked at the gesture and show the news coming. And yet yesterday knew the president came around and said did. There has been a new agreement with Cuba. Don't. It's really being met with mixed emotions there artists say the least there are a lot of people who think this is the greatest thing in the long time coming and then we have a lot who're saying. Why in the world would we sellout to advocate that Castro Brothers and so we're gonna talk a little bit about what's going on in Cuba how this may benefit. The United States and certainly how might benefit businesses in this country. See what else we talk about that they weren't talk about now on the alcohol consumption over the holiday season yet dead Hoover story about the driver getting it right. Where that's at 101045. I have. I have very mixed emotions but you never know that you are I think you're on the board I like. I'm not. I'm rumored to be a stockholder. But this certainly does I think even you can admit that this does not look good no they got a problem with this one. So that some things have gotten us jobless claims police down last week's 6287. That's a good number two great number and the weekly they didn't number that I think is even better than that as the four week effort yes to less volatile number that's 290000. So that should mean can. That when we get the January. Number for unemployment yes we could see another 300000. Jobs gain month paternal age you know the it's. The good thing that I'll be looking for and junior reporter. How many jobs did we gain and that we each number not yet that strongly number last month up keeping in mind a lot of these jobs I think you know he would be misled these are seasonal positions. So a lot of them may be lower earning. Are lower wage jobs but having said that. You know part time jobs frequently can turn. Signals fishy pfc deal right here seasonal work and be a very very positive thing for a lot of people so in a lot of that number will depend to what kind of winter wheat. Knew we'd been I can't tell you we've been getting a break so far four have we ever in war terrific it's been really terrific and you know the break your husband is not gonna cry when the natural gas bill comes in Nokia is not that this month know exactly. He's not gonna cry. And cuts it would be continually cry now. What did you do to make your husband I don't know if there's a MasterCard bill now I can't do it makes me cry out here which people have to say about this. That we had an experience this year that we never had. Rain started calling my Thanksgiving because we need more would be router would fire him. Start calling which is the time that we and we usually in the same person who delivers every he said mr. Kerry himself sorry. And basically you're kidding no not once he's concentrating called sooner he set out what happened was. After. That long winter via the force people to burn firewood until the first week in and day in some cases. People got you extricated and started calling earlier. And poor people installed wood stoves to because it was so expensive to heat Lotta people I know. I know. I want my cousins went out and bought 15100 or would steal everything and is heating is how this wonder if he doesn't care with the price of oil sure he doesn't ask. He he said look I'm committed to heating with wood as he can cut the wood in his homeland will this guy say. One that you because we admit we're loyal customers want what you call silence. Reid called. Nothing so we're where you well we went to a half weeks searching him for firewood finally found someone who could deliver it by. They caught some appliances for coming from the well at the Disco it was why. Barry believe it or not tell us supplied it back and I I I've got a little gold mine in the back huge I'm telling you you do if so are we end up right now that we committed to he just delivered half court would that was a very much all we normally would at least it you know. He rattled or a little widget we do it we a little bit laugh so we were okay. But it was much more expensive than we normally yeah. And he said if I have more mr. Kerrigan you know I call you. From Teaneck public so I'm wondering if some of our listeners had that same experience yet. Exit six I'd like examine it with your status in terms of firewood there are you able to obtain it. Is the price higher than it's been in the past and you know what what's your deal oh what was your what was your spirits about your having the same experience we. Crude oil I'm not sure it saying this that this saga is over. But crude oil seems to be stabilizing can work fifty dollars a barrel now we have dropped to 54 the other day. Earlier in the week we're right now trading at 58 dollars and twenty cents per barrel for crude oil. I think it's stabilizing. And currently in I think a lot we'll have to do with how cold it is in January and fervor right if you get a mild. Period time does. What's happened is all those oil dealers in the north northeast rate they've stocked up yes he's got the list has filed as their red you have to be ready to their obligation to be able to provide their consumers with the rate through April right. So if you get now December. You know I looked at the ten day forecast December's in the books you know getting a little bit of wind cold weather at the end of next week but the next ten days you're not giving. Yeah what are we not get it like last year no you don't get in this the the sub zero temperatures. In the next ten days so a lot of it will depend on. How much the how cold the leaders you know and and and what impact that has. On on consumption so we'll see day in very difficult to tell right now. Oil trading at fifty dollars and twenty cents per barrel. And then Sony pulled the plug on that film. They did in the end you know it's really been interesting. The way people have reacted to this it was a forty for me is that we said David 44 million dollars constantly to make the film co. So that's not a big well this is not a big budget film this was not going to be a blockbuster 285. Million dollar return on their dollar. It was nothing like that and but the people in Hollywood are absolutely appalled by the fact that. They've pulled this from theaters they're saying you know this is this is going to stifle our freedom of speech. We are giving into the terrorists. The flip side of it in I heard I heard somebody from Sony say this morning. Number one and this is a business decision. We're not the US government we're not giving into terrorists what we have to decide is that we are not taking on the liability associated with putting this thing in theaters and the threats that are surrounding it. And a lot of the movie each theater chains don't wanna run you don't lose really pulled the strings on this him in the insurance companies I. I absolutely you know do you want do you wanna take that chance at some cuckoo maybe not even related to that it's just or it's a reason to be cuckoo. Goes in and does something crazy in the here. Old guy like Warren Buffett is saying look because he owns yes tons of insurance guy he's right. He's saying hey I'd want the liability so if you care that film and you have a problem in your feeder and yet sued for fifty million bucks your hero. I'm writer and you out eighty that you want to show that film that so. You know people are mad at Sony and people are mad at Hollywood with a tight them. This all comes back to this money it's business Sony says to 44 million dollars is worth writing off at this point at this point by the way. You know I think it's crazy to think that this film won't eventually it will show up somewhere so all will recoup a certain amount of dollars off did you watch this movie by the end of march yeah hype it's a sign of criteria for performance pretty big budget. And we're not talking you know James Cameron movie that's a pretty budget for a very Seth Rogen. That gets them out he got out on the fire would wish take. The the C. My husband cells fire it usually can get it for freer buys it would broker he has in the of the get any in months we have a 60% increase in calls for was this year were actually. Looking into an outdoor wood bird furnace. It's him by buying land and cut your own well I don't. I area of health care I'm Ricky that's what we should do with settled nothing about what she three times or if he's doing cutting chewing carry two going to burn a guy. All right don't make your point on the woods. He uses a lot of it is an amazing yeah. And we are so a lot higher prices up. Well okay well. Who's the guest on the cubist or might or might adorning. Will be joining us and tell you everything you need to know about Cuba in the next segment hope you'll stay with us. Barry Armstrong and comparative. 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. 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 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 con out for your copy at 866848. 5699. That the 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 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 -- bank a step ahead minimum deposit to open and current annual percentage yield is 1000 dollars Massachusetts residents only penalty for early withdrawal including iris penalty which may reduce earnings. Rate subject to change without notice member at the C rate effective November 4 2014 this is Barry Armstrong and I'm joined today by estate planning attorney Todd what's key from the law firm Cushing in Dolan. It's time for your legal exchange quick tip of the day we're talking today. About the different ways that you can only real state and taught I wanted to ask you this one. What are the implications of transfer your whole C just take your home yet and you give it to your children. In order to protect it from the nursing my ex he had somebody asked me this yesterday sixty years old. In the heard about this thing transferring music like this yeah. Kind of makes my teeth it. Really you know -- 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 true you've lost all control over you don't order anymore. I worry about if the kids go through divorce and ex son in law the ex daughter and when your like. Number three Izzy you know Ali you know I don't you've now subjected manager Jim said Barry took their creditors and president. Necessarily have to be divorced does he could be a lawsuit business failure and could be any creditor so the field 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. 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 business is right here Barry Armstrong and Ken Carrington. On the financial exchange radio network. All right David. Let's let's introduce our guest and we're going to be talking about Cuba yet talk on my door and I might adorning from Bloomberg News. And he actually wrote the story that I read about Cuba's half century of isolation to end. I'm Mike howry. Great great so. A couple things that I found some elect. And usual as Eric your story was the involvement of the hope in this whole process can you share and analysts. Yet. Brett do it that court the or Latin American Pope was. Involved in helping further along. Surely after Obama met with the Pope in the attic and I'll bring. Apprentice and letter to President Obama and pro Castro asking them to try to work out. The situation with Elena grocer and trying to. Get closer relations between the country. Now of course this system. The thing that Obama back in 20072008. But it is doing but the greatest. Imprisonment had basically block it. Well why why was the what what's the impetus for the Pope to be involved in this. We haven't done. Heard an explanation for why the Pope was interested in. By expenses that. Vatican did feel that. It made sense not to have the trade embargo on Cuba and again and this is a Pope who is very much part of Latin America and much more sensitive to what's going on. In Latin America then prior of. There's a lot of people who think this is not such a great idea. That we're just giving in to the Castro Brothers. This really isn't to give being in kind of the plan is it. No I mean it's certainly not the Obama administration beard and their theory is hey you know we've we've been at this attempt. To isolate Cuba for. More than half a century now all done is make keep it the most terrible Communist dictatorship. I was Iranian the world. I guess are deeply North Korea's more durable. And that whole approached the administration take the sanctions is they really only work what the whole world. Is on board and of course with a Q the sanctions were really the only country thanks in Cuba. Done their view of its did bush and make more sense to have greater trade and intercourse with you about. Particularly. They want to have more access to the Internet in Q. And Mort telecommunications. Links said the Cuban people have a better sense that was going on where in the world. And that is part of the argument that when these kinds of deals are made. The the rain that. The administration there in Cuba benefits but the people don't and so through the Internet is that how well maybe our administration is trying to make sure that the Cubans themselves will benefit from this. I think they'll waive this is structured as there is. There's plenty of arguments that actual people in Cuba will benefit of course so will there shame because. If living standard and prove that. And that aid any government. Certainly it is bigger. It's here with the Internet and telecommunications. And that US companies could build telecommunication and construction Cuba closer. Telephone answers to Cuba but apparently according to be administration be. Only poll compared to a ordinary country like that you economic status only about 5% of Cubans. Have access to Internet whereas. If they they feel like they could quickly ramp that up to much greater access. At a court and a lot of revolutions around the world. And change in government. Access to the Internet and telephone and text messaging by the bigger role that that. In Communist China or now like it. Autocratic China. They have access to the Internet and there's still an autocratic government. You know when I was curious though Mike is it seems like you've got you know Marco Rubio is opposed to this. Democrat did to New Jersey Democrat Robert Menendez is opposed to this. There's a lot of opposition to this and the administration is gonna need funding from congress in order to implement. The conclusion of the embargo will they get it is this something that congress would approve. They don't their view at least is they don't need any thing in terms of Sunday and the embargo now. They can see what congress can do it refused to fund building the embassy. In. And they can also refused to confirm. The US ambassador. To. That. But. Most of what they're doing it feel like they can do it through regulatory change they can't do the final step of lifting that embargo and tourists and their. Greatly expand it all the loopholes in the park embargo. And greatly expanded. I've been quote open the travel on that they've created a lot more ability to trade with Cuba. That's adequate congress always has the option whenever they passed the appropriations. Bill and attaching a writer essentially say. Paper funding the government on conditions that expired Wednesday and you know it's possible that I'll along with the immigration. Issues that are likely to come up with the next. That it government funding this could come up as well. So how Long Will it be before I can book a one week vacation. In Cuba we're in fly nonstop out of JFK. Both very quickly you'll be more able to go to Cuba it's Steve there's some educational. Cultural or Reese search or professional. Are journalists. Or other reasons they planned on greatly expanding. The loopholes climate corrected but until congress. Actually lift the embargo. In here every papers and can't. Go to Cuba and and nonstop flight. But at some sort of cover pre tax. So that will require. That Republicans in congress agreeing to it and you know the chances. That in the next two years that they are probably pretty. Okay thank you very much like we appreciate your time Richard threatened to go there can bring back Cuban cigar is just sit out again he sadly necessary energy agency I mean my trip to Canada. It. He's got to go to Canada lives in my mind you cigars thanks a lot. Thicker a couple of Cuba now. I was just gonna say you know one day the one of the things that. If that would ever happen that would be a real boon for a lot of American businesses because they can go down. And begin to build up the beaches with pillars or else is absolutely. I mean my understanding is that day the island is beautiful alternate and it would be real destination for people to trap. All almighty comedian family they've been going to Cuba. Free I've never been that he Canadians though. One million Canadians visit Q where it every day here when they go I mean these hotels and a decent enough to stay absolutely a lot of Europeans go there and hopeful you know airport so. You know me. The veil. The boom from having American audience would be tremendous you know the population of Cuba's eleven million people is that amazing debate. You know it's that's that's bigger than a lot of our states in terms of isolation. We'll be right back this is the financial exchange or have your first trivia question when her car. This is the financial exchange on the financial exchange radio network. Investors searching for relatively low risk investments that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with 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 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 with the bank a step ahead minimum deposit to open and earn annual percentage yield as 1000 dollars Massachusetts residents only penalty for early withdrawal including iris penalty which may reduce earnings rate subject to change without notice member FDIC rate effective November 4 2014 this is Barrett strong and. Joined today by estate planning attorney Todd what's key for law firm Cushing in Dolan. It's time for your legal exchange quick tip of the day were talking today. About the different ways that you can only real state and taught I wanted to ask you this one. What are the implications of transfer your whole C just take your home yet and you give it to your children. In order to protect it from the nursing I actually 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 the state so your 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 it true you've lost all control over you don't order anymore. I worry about duplicates going through divorce and 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 subjected manager Jim said Barry took their creditors and doesn't. Necessarily have to be divorced does he could be a lawsuit business failure anything. Could be any creditor so they'll 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 in gold 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 poll 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 your included in that category then we have help for you must today at 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs technology 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 -- member and -- SIPC an advisory services offered through securities America advisors -- Armstrong representative Armstrong advisory group and the 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 or even the -- frankly that I hear on the radio I like to buy gold from a local institution that I trust I owned gold and I -- my gold points from -- bank I walked right into any leader bank branch and I can buy American Eagle gold points -- bank is a local bank with branches in East Arlington Arlington center Arlington Heights of Belmont Burlington and Central Square Cambridge -- locally and -- your gold -- locally it just makes sense give -- bank a call and learn more about their gold coin programs 8776917. -- 900 or visit leader bank dot com leader -- a step ahead not a deposit not FDIC -- not insured by the federal government agency not guaranteed by the bank may go down in value. Follow Barry on Twitter at Barry G Armstrong its Barry Armstrong and can interrogate him. On the financial exchange radio network. I wanted to see just how Smart you are what is the only state in the country. It starts with two fouls came you're not allowed to play used to work there. 68680 is our text ever with the only state in the country that starts with two vowels. Final thoughts on Cuba Americans right now are sending two billion dollars a year to Cuba. That's how much Cuban Americans rightly they didn't. Coming here for the last fifty years sheriff there sending two billion dollars a year. There's a story about how Major League Baseball is like drool oh chomping at the bit. Now it'll probably be similar to the way it works with Russian hockey players you have to pay me. Russia India deplete paid TV unit if you want to draft a Russian hockey query drafted first round second round. But then you have to negotiate and compensate for that hockey team in Russia. For their development of that hockey player. Did you know that he ever eat you know that you paid club. Well you paid but so they see what the MLB does look like Japan right now that the pay part of the gate opened right opposite dances I think that and it's particularly event design Shanahan did and it ended in and they Matsuzaka movement in Alaska will of those clubs and check in Russia those independent clubs early on whether he owned by oil guys coming and the you'll have to pay depending on how good the players you have to pay. Couple 100000 bucks to get that he had released these are all under country view of eighteen your kids entering. And the get drafted when they're eighteen lot of times they'll stay there till they're nineteen or twenty when they're fully developed into and bring them over yet pay Russian teacher same thing happened with he's a baseball but millions of great baseball player. Cube easy. I think that Dominican now. And greens you know we are talking about politicians there are a lot of corporations that are lined up looking to do business in town. So the politicians whether it's Marco Rubio war Menendez up in Jersey they have to be somewhat careful because. There it a lot of their donors right the big corporate money that gets them the bribes at the rate they come from Carville and Hilton and all these companies. They're gonna want it ever won acts that there's eleven million people on the silent to market. And you know that says you better to market do you think you're an exercise on England income that's by population lives in that's equivalent of New England. They have no income that they will yup. Mother have tourism a toilet video tourism they're gonna have income this is going to be bad for other Caribbean islands could be bad for floor because papers Cuba. The weather in Florida. Is nowhere near as it is it is absolutely. So if you're fifty years old and you're gonna retire when you're 65 you're gonna be thinking young by my retirement Condo in Cuba as opposed to buying it. In fort. Well if you think about it too you do it it's close so. You can jump on a plane be there within minutes yes the same consequences go to Miami it's an excited ninety what is it like hundred miles from and right. But it's further south and it's warm bright which as you know I've always said that's the beauty of Bermuda but it's cold and Bermuda pitch under the Jeremy. Right mayor Jerry this will be that close island to the states that you can go year round and and my understanding is that it's just a beautiful now. Hey and Netflix working on a deal maybe can help us understand this you know it yet David you have to explain what dish is working under a deal where if your dish subscriber. Your automatically going to get Netflix and as well. Interesting that's a good deal right up. Yeah so basically they're gonna subsidize your subscription and into the show up on your cable box and some cable boxes are different now anyway I've Comcast like to see the guy you know so right how is Netflix better then. Just having. Comcast cable or just having direct TV or just having dish it's a supplement to having cable is where it I mean there's more selection or like asked television shows the whole season the past television shows summer new but they just don't have the updated episode that's there. A will be will Netflix serve as dishes. On demand on on. Comcast I don't know what they're don't they're not worth it and deal yet Comcast are only doing well that's a what are you gonna do with everybody. I think you're on Comcast to go to you on demand and you can see TV show you can see movies and all that kind of thing is is this essentially the same thing just dishes version. No this no look this is just be a supplement that available when you turn your TV days and our I thought actually this weekend for the first time I think somebody at Cox maybe that's in Boston is all out. Andy you turn on there's you know for us we click menu and it's only Comcast options or pray he turns it on and they actually. Because Cox's box is actually a Tivo box OK there's apps within it he didn't even know existed at all sunny southern he had the ability to put Netflix on. Through his cable box that's what this would be through your dish box you write Netflix. That's pretty cool it is cool like I think people are alike because what's nice about that you can go into your point is if there's some old series. That you won a seat or if you're history. I like to watch American here's channel that's 27 under TV. That that has all great stuff about World War I world to give Netflix you can go back and yet. Documentaries might have been done by PBS forty years that are on world war two and watch what they think Jeremy right now if you wanna HBO what is it the you're paying ten dollars a month rate your thoughts are. For just that that that contents. That HBO dictates that you're allowed to watch right with Netflix their continually adding to their own custom programming so house of cards is arguably one of the best television shows definitely in the last ten years and that's a great show that it works it but I've never let flicks is actually an on demand and the service though unlike HBO that dictates when you can rent you can watch a daily diet debit they had it all the stuff that's on HBO you can walk on the meant to you subscribe to they have if you have that. You have all the options like Titanic song tonight you could pry watch documentary. Associate Jeremy. You don't just go if I don't I'm not available if you take ten dollars in market HBO you don't literally only just get the chance you get access to HBO go which gave few. You know a plethora of options a there interest me here in schools music it's just doing away with network programming at one. Mean just why you do and a half to go and sit down. That's at 8 o'clock at night on Tuesday night to watch Shelby that's what it's it's rather Smart by dish to try to do this because it gives people reason to keep ditch the whole point of Netflix for me is. Netflix is is a way for me to get away from cable I don't want Netflix. Through Comcast cable because I want Netflix to continually. Give me a reason to get rid of cable and save them money. And it sports are there any shows that you guys watch live like you see yourself like you don't you watch a show with your daughter's EU there's well. Some depth for awhile we'll watch dancing with the stars and watch them lies because there's someone who gets cut off so it's not interesting security now but other than that mr. anything now not local courts that is the organic lying thieving cable companies that locals well and I likely has. That's like to. Because I like. I never watch and. Rate if I gonna watch Sons of Anarchy right I blow through the since they get to the ads and blow through it and say putting it mildly swaption blue bloods or whatever and forces you watch it. And up all through the ads. Knee just don't watch ads and I have to tell you I've I've actually gotten to the point now like for example we love that show. How to get away with murder I've I and watched it. Even if I'm home I would be available I don't watch it because I can go back and watch this has carried it through on demand. Contents at street I'm surprised all right I'm sort of networks have figured out how to stop us from blown through. Now. And EV I talked to a and just five years ago and said no no we're gonna stop. People that's when they're able to the end that's when you're recording it so you have to remember your head to always record everything that you want walked that he Campbell current and yeah you can -- on on and on and I'm watching it actually the more I think the we handle this difference between DVR or something and pulling up on my notes there so. If I would if I'm watching it on Netflix if it's Netflix is subscription base you don't have that. They haven't introduced that it's like another thinking that when I watched that island. On. When I watched her how to get away with murder on demand undated there's a certain amount of commercials. About how the best yet sorted out I wanna watch season one of Sons of Anarchy on network on net to give up and comer. That's obscure. You know skirt that's a selling point in it but I and it's what I nine bucks a month it's cheap. Even on my even online. Watching it on demand business and commercial spots there's room to open it's a decent side. It's enough that you off Netflix is a twenty billion dollar company their stock is up two dollars and seventy cents today 336 bucks. They're doing OK that was a one car like this is and he did this company it's started with a box in the grocery store. Right is that yes and you can get to know they used to get him in the mail your great memory and that's where the star. Are they like red box yeah. Yeah David Houston I remember is the employees would bail them back. The new email act in earnest a process that he hit two new movies by dvd it right. In the new mail them back exactly why that you're good call because I was a Howard they. The people who mail back I would as far as most of them and that's that's thinks is the movies you get from them on dvd and the art and as soon as it comes out on dvd you can get a Netflix but you can't stream. Eight Boston Lowber driver has been charged with reaping a woman who was seeking your ride that is our next story weren't talked him carrots and conduct that and I'm very comfortable that's next Tuesday. This is the financial exchange on the financial exchange radio networks it's. Police called it broke the bad news or Charles is personal and financial information was found on an identity these computer disk nervous and confused Charles Kolb like walk the industry leader in identity theft protection lifelong went into action fund covering multiple fraudulent credit applications the identity thief was trying to open in his name. 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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 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and biology and it 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 it's 8668106422. Securities offered through securities America ink member and rat SIPC and advisory services offered through securities America advisors Barry Armstrong representative Armstrong advisory group and the securities America companies are unaffiliated are you thinking about transferring your home to hear 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 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. 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 con out 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 a impressive. One point 25% eight PY 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 leader bank a step ahead minimum deposit to open and current annual percentage yield is 1000 dollars Massachusetts residents only penalty for early withdrawal including iris penalty which may reduce earnings rate subject to change without notice member at the secret effective November 4 2004 team. All best in business is right here Barry arm stroke and can carry him. On the financial exchange radioed Edwards I. We talked about Google yesterday. Yesterday and we didn't have as many get facts and details right. Related to the super driver who's been. Arrested. For reaping one of his passengers yes he was arraigned on on sexual assaults and we are joined right now is is general ban. Okay gee Hillman knows from. Beta Boston is joining us and thank you for joining us today. OK so let's talk a little bit about what occurred here that did this. This woman actually called for a ride is that correct. She. I. Opt out. I. And actor. I. Our. I. It. What their restrictions associated with being a driver and uber means are they put through any kind of background check. Not have a background check and they they claim and in many as you know aircrack. In the background check our our border. Arrow and Packard that would take our tactical. Very. And and expanding that he and the gentleman knew what the packer had actually been we're back. Then he had been because they I read the the V they've got a former military guy doing these background checks so this guy. It but from what I reading your article doesn't sound like he could have had a real criminal background before he took this action. I don't know all of the it's about is that all. Background but. I know that you know we can't and won't not it actually it's been. The green but we can. Please vote your kind of brought. And that Horry basically. Yesterday. There he eaters. If he expects more thorough. Sixty. You need it deeper on. The app and and. We know yet made this. This is an innate in issue with mr. identification neither the noses in places that girl got into the wrong car which everybody or to a slice she got into right over car. Apple directory and there. Announced earlier meet at least I am in which women had ordered Oak Park where there is right there. Like Hubert. That I believe. And actually calls for drivers and burn divers are the suspect. And they actually did not get. Over vehicles and legal. Illegal acts there. Hailed car right up and Spain at Albert packer. That we. There I eat out over both the that are. Under. It was in app and. Are you can't get that one thing I mentioned Janelle that you can't see the face of the driver on the gap. They gave me. They send it to you. And they'll say it's a black Volkswagen. But you you don't see it at least it's not clear to me when I'm when I order my car. I can't make out that they shall unite their. It's a pretty small you and I'm very active. Barry. It's hard to tell exactly is out of department but there is that. And it is about the. And it doesn't like one of those security issues they're gonna have to address it later don't try those runners they're doing yeah after you lift does that. That has the mustang right in the front about like it is ridiculous is that if you do know you're getting into the left caught at least appear daughters get into car keys those okay at least side note to lift vehicle I mean I'd I'd feel more comfortable. With my daughter using Hoover if I knew that some way to identify Brett Carr. As a new vertical but in this case it would no matter now. Imagine how let me ask you something in human statistic like this that I was saying mr. Perry earlier. You know in in the realm of what's happening with over all of these fights around the globe really in and we had these terrible reports about these kind alleged tax on women. You know to do any idea how many women may be attacked if they were unit have. Really good question and it's one I think that where that we're hoping that they can you hear that and perhaps we'll. Follow up on because. I think it is there really is past I don't know that those numbers are really out there chair and over specific person that you know just general taxi service. As we've gotten to reports you know really of these these actual cases were people that are rained. Which looks terrible there should be no reports but in the realm of what's happening to Cooper they're being spotlighted and I just wonder how many. Women have reported attacks in in cabs that were identified as a cab and they got into the cab. We. Are. All very different. Right now. I. It yeah I'm sure you do and I just another thing I said to Barry you know as a woman I'm always very skeptical when I get especially amid a city that I don't know and I get into a a cabin climate of the vaccine you say can you take in your port I have no idea where he's taking me. I want you know what it's a scary thing for a woman and you want to think that if you're going through service like over. Maybe you're gonna be protected because has been all kinds of background checks in these people are going to be reputable but that that mean became. Yeah Albert up and it's able element and they have master by a teacher. And it does it. I think the app that app and our ability to actually you know and then back to last one in your electorate here on 81 of them are out now. It's what I think they highlighted yesterday. They are. Very good thanks to now AP Amtrak. In this'll be I have we heard these stories in across the country. Well you know I don't know if we heard one in India will illustrate that that was one with a woman is raped and beaten as well. And then I don't know of any others in North America I don't know that I've heard more again like I say I think because of just. The fact that movers in the spotlight right now because of these debates all around the globe and in major cities about whether they're going to be allowed to operate. I think that we've got a big highlight on these two attacks and you you ponder you know. How many women have been attacked getting into a cap and you what the percentage of winning getting into these vehicles. They don't forget. 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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 your children's creditors avoid probate and not cause unnecessary estate taxes. Talk about skin a lot from at Cushing and Elena put together train new guide to the risks and rewards of real estate ownership. This free god bless you the best read on your real estate con out for your copy at 866848. 5699. At 8668485699. I. Okay. Your words hold on your checkbooks and give your portfolio break. It's time for the financial exchange with Barry Armstrong in Kim Keller again from Wall Street too you're street Berrian can live and you've got hurt in the financial exchange with Barry Armstrong fame Jim Carrey yeah. Hi everybody welcome to the second hour of the financial exchange in in the first hour we ask you. What state. Is the only state in the country it starts with two fouls. And Jim this is where you started your broadcasting from Iowa I I work in Iowa for quite some time and opium from Andover New Hampshire knew that something in there you go Ari so we are joined by jewel sounds he Blake from nutrition in you in the boston.com. At all it's that he's over B. When we talk and. We are talking about rethinking. Your alcohol consumption this place. Dated I hope your pay attention to this young man whose answers no just lit a mockery I think anything about it well I told David that I'd been rethinking it episode and wagering more. Don't does that count or track record why I'd block a thank goodness you do by Khaleda to take any let. That right first of does that but she's she's trying to save individuals like capture. I thank you like it like up on credit that the place and have it is there for you right at a all right so you talked a little bit about what you were blogging though he's cursing people need to re Internet a lot of people just think a what's the holidays while I think I'll write in eighty. Now in Heatley is the company's commitment to quality and they are seventy and pack your oil we hop and Thanksgiving and then you know and perhaps we applicant indicated that the ball. So if it's going to be different. Here and it's used likable he's activities in a lot of parties. They can really act you know an apt you know one drink. An extra week not a big deal. It clipped the line and get picked apparently not a big deal. We start to get into the pomegranate Martinis every may be up to back 250. But the good news over the next couple weak but I have 234. You know Pakistan or out cold too. How much is it a beer how many calories and a beard Gil. Right in that Pierre is a twelve that's not going to end fifty brutality. And what you put up on in the post this week. I can't you know we need a palpable calculated what you can do you would go to the pocket dot com going into my block positioning it. And you can click on it just injected this topical character for you know it's really kind of fun that you put into derby rookie Glendale and ago. I definitely have a plan to campaign on third on the company's request to read what. And by and throughout the whole week and what they're doing that need it it'll eat you oh we took a little or. You know how many personalities that you could be goal being during the week. And depending how popular you are and Barry you know you're popular yep yep yep scored a peaceful so we can get you know it. Do you could be coming into open without re that you are telling reputable are. David there's a thousand calories a night it's. Not a lot and access algebra but at the after the holidays let's talk. So. I think it's important that people. Kurt you know kind of know I have to type and bank and I just picked up calories or maybe totally down a little bit. And space permits this panel because he would be if we could end up to a lot of calories. So what kinda calories are in booze and I was like does it continue sweated out I go to the steam room right. You know and that the term looking at least funny could elected a different calculation on this but just that you. It had a different place decoding decided to have a drink it and each of them over counting calories. You know to do bad and we have to burned at port you know don't count me just get I have to walk for how it means that you have a but doable walked to the party. Because we definitely you're gonna get you know Bernie Mac and Apple's. That it is alive that's a lot that's what they call it a beer belly. At that Christ in overtime pay it back religion may want to defer to block I'd I'd been telling. Anybody who would listen yet personable when you go to these politely and he let. But be a little bit of the I mean if if the wind it appears not even top knocked why do we. I'll call you know I'm not that big. I mean really I mean you can count why I don't think I'm David who do you have a headache that I did it. Rolling rock and I feel. He and I am not completely. And act that the couple adequate for the good stepping up but you know you have anyway. Until they can. Beat this quality and don't trinket or which really could that the two week. Well and I got to tell you to I think a lot of people are not taking into account. That you're having you know two or three glasses of wine but they're really concerned that they're not going to eat anything it's on the buffet table. But the fact of the matter is you know if you're drinking the wine you still taken it and anyway. Right that's exactly directing you know credit. What you have now classroom or any becomes a killing so don't worry about her next week editing it that's right they did that get all ballots had been then yeah it did did you deal but AT league stronger than you need to right right Stafford act that was on its ugly. So you every time we lose bank holiday trying to get. I dollars at work David be rethinking anything if you get it did it sink in young man I mean it but I mean I wanna drink now that we're talking about it at all. I think what I'm just gonna do is call for nine hands that you better not that cheap line right and adopt a tough right. You that I haven't you better have a decent follow life. John thank you very very much and died next week is is holidays that we will be talking Dougherty for a couple of I don't know what our next you've got a Merry Christmas and happy. I love it just it just element he got that won him an African you know the problem is. That those drinks retreat and she's like she said OK you have us 1250 calories. Problem is when you go to the party in India. Some crazy martini media that they've added whatever it is it's just straight up sugar content all right exactly. And you have one or two of those ambler viable virtue Brady just carry me home there it. The problem irony we get the exercise to get to the car I just learned that industry sloppy you don't give is that there's a lightweight now. But that's a lot of calories you know one of those cost goes something like that apple of my life drinks. Does she few the well good for her. Little tiny thing. Tell you what don't we talk about sugar being so bad for you investigator Althea. If you are really serious about changing your life style wheat and losing weight you have to get an alcohol it is sucking mocked it. It throws your body off a cute enough it's going to be I don't drink at all and I'm still fat. Yeah I go to there will go to dinner and right everybody is ordering a drink. And I order water is up to eat I give bonded in dull environment and take cow right then you can do it that way I do too. Well I want to say this I think the one problem about you which you're someone who enjoys Nicholas won where ever you just decide you're gonna cut that out completely. I think you do ultimately substitute. That in another way. Then finally says David should drink more and he laughs at them negated any kind of is my motto what with that everything is if you drink more eat less than you can drink last because your effecting. More. Rebel leaving it does not want him the way. After the some wanna get fall but here yeah Memphis but right here's your second trivia question of the day what. Famous movie actor was born. In winter set Iowa on May 26 of the year 1907. This is it that. What famous movie actor was born in winter set Iowa on May 26 in the year 1907. Or text number is 68680. President Putin still flap and his guns in threatening. But he is is economies in the toilet. And I ought to the same boat owners say this I thought our interview yesterday. With the Washington Post he's not scout that your chief is one of the best we've had a long time I really I thought that was fascinating. And for those of you who may be missed it can you get that David someone had on the pot and they get them off the pod OK so go to Ted bearing Michael dark. And listen to it because it is so he's sitting in the middle of Moscow. But what I thought was so interesting about that was that he was talking about Putin's. Unbelievable popular which continues even the ruble's dropping through their gear for. He's down to 7%. Well but like 85 what what he said it was that it is gonna tapes. Two or three weeks for this to catch up. So check back with me in mid January and let's see how poop how people feel about Putin and how to cut the country's doing. Because at that point. They will have you know that they retailers will have the opportunity changed the prices to make things unbearable. That those who work there who are being paid in rubles will suddenly it will start early start to catch up. And we're gonna see a dramatic change in sentiment come mid January if this continues. Seed doesn't affect the United States we don't trade with corruption right we have we don't care I think it's 1%. Of our trade is with Russia and I'll tell you who's really. Put the screws to Russia's Germany. German all these German auto manufactures and French automation actress they have said we are no they shut down. They made the announcement this morning so your opal you BMW's your meat Mercer and they're saying we're done the only one that I think still selling there's books like. But air all the all the auto manufactures and said hey we're we're done rightly we can't afford to continue to lose money so I don't know the you I don't count I don't trust the polling data. That you get out of Russia to say that he's a popular well I I think so he can write a lot more trouble bright and what we are being led to. Well and nothing berries that he's blaming this solely. On sanctions coming from the west this again is according barrier yesterday. And his propaganda machine is saying this got nothing to do with us being in Ukraine this has got nothing to do with us to back I mean. This is all about the United States and Obama. Making this decision no matter what so no matter what we would have done they would put these sanctions. Leak that's telling that's what he's telling people the. The sanctions are only about 25% this pearl but he's making up the entity the reality of it is he talked any. Economists that's worth its salt these ties. Sanctions are 20/20 5% from the real problem is oil sir I had 57 dollars and that's the problem. But any had a perfect storm. All of that is heated argument one time you know happen to a nicer than you get the fortunate part is that the Russian people are suffering and will suffer. And that's too bad and that's what it that's part of that's about it. He'd be glad that your name is not Carla the news yours. Moment. Time might icing her Carlo Carla Carla couldn't agree arrow and be glad your name is not Doug. Can agree aero we're gonna tell you why when we return. Barry Armstrong and Ken Kerrigan. Right here I had to exchange radio network. Investors searching for relatively low risk investments that can easily be converted into cash often turn to certificates of deposit or CDs leader bank is currently offering an eighteen month CD with a impressive. One point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity -- 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 your bank a step ahead minimum deposit to open and -- annual percentage yield is 1000 dollars Massachusetts residents only penalty for early withdrawal including iris penalty which may reduce earnings rate subject to change without notice member FDIC rate effective November 4 2014. 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 to your former son or daughter and not just to buy the Acura own home. Not only does transferring put your comment risk 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 in 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 key in the lock from at Cushing and Elena put together three new guide to their risks and rewards of real estate ownership. It's free guide will show you the best read on you real estate con out for your copy at 866848. 5699. That the 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 was 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 APY 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 yield is 1000 dollars Massachusetts residents only penalty for early withdrawal including iris penalty which may reduce earnings rate subject to change without notice member FDIC rate effective November 4 2014. 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 to thank them. So if you're struggling to. Find reliable senior living information call plays 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 804677. B 530. 804677530. Text your questions or comments is 686 AD it's Barry Armstrong and Ken Kerrigan on the financial exchange radioed Edwards. John Wayne was born in winter sets Iowa on May 26 of the year in 1907. David knew that data Tim Wakefield thank you David for listening appreciated. What's your favorite John Wayne movie can. Data do you even know who John we know he is I don't know one thing he's been. I give you mine matures rooster costs are remember Alan of course who's the woman they the famous actresses who played. There was some stand way known on down is the one she lived in old Saber Connecticut. Yeah. Is she she was in On Golden Pond yes. Fonda. Come up tonight he I know who it is and I'm gonna grow a brain crane or. Everybody just chills that is who will start with as the water and not you know it's rooster on your right she is hot on our GAAP Audrey Hepburn. There. Came a little bit of not battles. More quickly this just come across can resist currently Massachusetts gained an estimated thirteen 1500 jobs in the month of November. Unemployment at five point 8% that's up 6% the previous month. Let's see here the total work force increased by 171600. In November. With 3400. Fewer residents unemployed during the month. Our next story is related to the canoe who aaron's Carla in the aero and her husband Doug Kenny in the Euro era players. Pain there they were arrested yesterday in dad them. In face numerous federal charges including content for violating the judge's order. Federal prosecutors as part of a 74. Page indictment said that the couple transferred approximately. 33 million dollars in assets. After the company willingly declared bankruptcy on December 21 of 2012 this of course related to the New England. Compound in center. You are majority shareholders yes they were now they are too they were taken from their home yesterday morning near to a number. People rescued yesterday as we east B. The NE CC's Mary cat yet in the lynch and they're both in court right this very minute and it's just been announced they are charged with racketeering. And accused of second degree murder for the death a 25 people it's. They've got a problem so there's there're a lot of people you know people have wondered when this was finally going to occur when somebody was going to be held accountable for what occurred there. It would that we talked about 64 total that I think. And a lot of people who are. All that money and injured you know as a result. But finally someone's being held accountable. Hey we had had it we've had extensive. Coverage on the Quincy medical center and we got yesterday. Some inside information that I think we should share on how will keep our insider confident and I think that says the only appropriate thing to do. Here it is I I work there that's all that to save but here's the explanation on. Quincy medical center. We had to deal with Martha. Yes Martha Coakley we're talking about here that we wouldn't sell any hospital until after 2017. Or close. So five years but we had permission in that contract with Coakley. To sell any hospital that had lost money for three years in a row. Quincy hit that requirement. And that's all he's ready do to share sex as a relates to that. With. Why are they not wired entertainment. Why isn't Coakley saying why why isn't she saying the deal was. But she's under the it is seventeen unless but it's also easy to manipulate those numbers right to make it look like you're losing sure so you can ship. You know hospital bed you can ship. Very expensive technology to Quincy medical center knowing that you're gonna wanna use at another facility right and you pump up the losses acuity. End artificially. Make it look as if you're losing money in using that as a strategy to get out of your country now I'm not suggesting. That that is exactly what happened acuity but it's conceivable. Oil why would they do that why would they purchased at a hospital pump money into it. And wanna get up and an idiot you're selling it right they're disclosing manager competition the real estate has value right that real estate. That that real estate will. I don't know enough about the building to project as to whether or not it would be torn down but it is very valuable rules that. They don't more valuable than what they paid for awhile with things now because they they paid that hospital member John Henry and Boston Globe. Well yes I do yes. Kind of rings of that again guys aren't stupid these are hedge fund I just like John Henry so they bought for the real estate got to deal with her. That's sweetheart here's the thing if I'm if I'm negotiating deal ever it was a non profit when they bought via an I mean negotiating a deal with somebody comes and says to me. We won't sell for five years that's that's reasonable however. It's essentially it's an out it is and if we lose money after the three years we get to you know yeah yeah it's you know keep an eye on this story we I promise you. They know we have a lot of listeners includes I promise you we will keep an eye on this story I think you guys Pittsburgh. I think that the citizens of Quincy ice surrounding areas Milton Braintree girl got screwed. I think the attorney general is down on this one. Really do I'm really anxious to see it you because now she's apparently trying to push for the idea that the emergency room has to stay operable if you keep the emergency room open. Then your theory doesn't work because he accurate realistic we can move. Not to keep emergency room deal Q and see well then maybe that's been making a doozy that's right you could see that turned into. And nursing home facility he's seen turned into assisted living and any number of things it can be done with it depends on. The state of the build yes and I don't know unity have to be an architect and an engineer to know whether or not you better knock it down like the globe. Right you look at that building C watts pretty good bill it's gonna get not sure that that that buildings toast I don't know what will happen that building has fleas. Yes it through literally yes yes we knew we knew produce papers and you store papers like that it that you get paper Feliz. I think it would be probably your heart clean now Austin I would guess it would have been. I would want to do. Hasty Abby. Has got a Pepsi drug. It got approved the off take a look at the stock teller says what's going on. So here at V or eight BBV is the symbol stocked. Up 1% today on bananas in the Pepsi drugs or race it seems like everybody's looking for good Pepsi drug doesn't vary. Expensive treatments ninety grant right exactly very expensive but. It's it's it's at the hour on Abdi relies on just one drug at this point in that it Hume Mara. Which is very popular drug by the way but this is what's making a big difference they need more than one drug. And human error is about to go on where there patent protections that go way I got corrected not gonna tell everybody where I got it wrong just couple minutes existing list. It's very Armstrong and Jim Carey yeah it's right here on the financial exchange radio network. Investors searching for relatively low risk investment that can easily be converted into cash often turn to certificates of deposits or CDs leader bank is currently offering an eighteen month CD with an impressive one point 25% EPY for new accounts with these kinds of rates now as an ideal time to take advantage of this great opportunity from leader bank to learn more about the eighteen month CD with a one and a quarter percent -- why call 8776917. 900 today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more with the bank a step ahead minimum deposit to open and 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 strong and. Joined today by estate planning attorney Todd what ski 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 only real state and Todd I want to ask you this one. What are the implications of transfer your whole C just take your hole 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 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 to state so your 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 an ex son in law the ex daughter and when your house like. Number three is it you know Ali you know I don't you've now subjective and as you just said Barry took their creditors yet does that. Necessarily have to be divorced as he could be a lawsuit business failure anything. Could be any creditor and so the held 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. 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. 8668. Horry. 5699. 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 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 then we have help for you tell us today 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and Knology good 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 it's 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 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 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 bay who 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. You read. Follow him on Twitter I'd KK carry him beyond president of Barry Armstrong and Ken Kerrigan. On the financial exchange radio network. What I love about our audience I can't let when we get it wrong they let us know. They felt it was not Audrey Hepburn who right guard in rooster cog burn it was Katharine Hepburn. And it's not there's no such thing as paper fleas are dog fleas or cat please. And this leaves that you saw on the Boston little. Please that you were right and this is coming from a Massachusetts license pest management perfect hell. So all of this I know this person knows what I'm talking about because they did they are private approach in the globe. And I I've. Talked to many people work there who's your take an issue. Are rate let's see the here's your third trivia question of the day what is the capital city. I know if you know the answer that question Texas it's X 8680 with a capital of Iowa 66 days text number. A guy who gets it right more often than not is a felony Michael brush from marketwatch.com. He thinks you should be buying oil stocks Michael brush walked into the program. You're gutsy guy. Called the bottom on oil. You know that that's. Stock purchases but the one the artist in Canada. I do I do brother listen Nike I'm with you so. Your talent people I just wanna go on the record here I go brush from marketwatch.com. Is telling him. Time to bio oil stocks what do you like Michael and what you like them. Oh. First of all. A lot of companies. There are. Options and so the corporate score 20. We need to get into discretion or. Stay two to get the Asus but Devon Energy great. I. Agree acreage. And it's Kart it is race. I also like. Hold on hold I'm gonna take a look at DeVon together here holy smokes and priced earnings ratio on this ten to one. Earnings per share five dollars they're paying out 96 cents in dividends until one point 8% dividend. It's at fifty byte for 58 but he traded as high as EV dollars I'll share. In the last year are you Michael so you like DeVon at 58. To like buy it here is this where by fifty bucks. This sector has been so shocked that it rocketed straight strip district but not gonna bounce. It's gonna be or discrete creek park. But there's so I don't know where yet oh so the answer is yes I would say you know preparer pine tree agents and never got it apps low but I get a better. Entry if you are. OK so Devon Energy is the first one that you like. He explained why you like it give us one more. Give us your best one here. No pressure. By the way this is being recorded and we're gonna hold you accountable and we know where you live. And if it's not a good pick we're gonna burn your house. The north were to do well they accurately. I don't helmerich and this is services company services companies have roach and they've been crushed because I see well sent to be pressure on their pricing. Each EU's. But were where yields and quality name. It's it's I think that's that's our I think that's kind of at a. So what you're thinking in terms of oil like it we're both read a lot of the same material we're talking I think people. Oil is it like 5556. Now it seems this week is that it's establishing a war. So let's go out let's project. I don't know let's go out eighteen months wearers oil eighteen months from now. You know depending which world well that position I would say probably. Easily in eighty range maybe hire eighteen months. My prediction. It took aren't buying that second. Year. A 2015. And I don't write that down Kim because yeah that he's the first guy with the guts to tell us it's cool America. Yeah I think so you know if you look at the reason I mean. An instant or goes down look at the numbers that differential in line demand that's not really buying tickets are so small it doesn't. Went up 40% drop in at 60 well it's really about expectations. And as we can. This mask but even then you look at the numbers and the different actual you know compared to what it used to be is not that great and did to my point is. Not a lot has changed its tune in now to explain the forty cent are in the actual fundamentals of the market does something is either way to get it. It's weed in it exit way to get a grant I don't know but it's like 72 million. Dollar. Earner the guy beat you do it that much money. Doesn't cure rate that read that story. Hey you know what I I like it. I paid like 230 A gallon last night so. This is seen this thing you know if you're doing is low gasoline prices I think you need to hedge against him back up by getting in some. I think that makes a lot of sense now. Good advice Michael Brescia the best thanks for joining us. Michael brush marketwatch.com. Dave can you post that amount because there's a bunch of picks and there. He gives his best one. HP don't forget. Fun swap. I just look sane by law they are back on the road on the road again and talk about a scary thought. I under the never traveled and now wal my son I don't just think you can turn he traveled on for a while filming. He said he will never ride a law against. This is you know use life flash before his eyes numerous times here I think he's either in college just out of college is broke right. You get to New York. You don't think that trained trees expensive yes let's take the train to New York to hundred no kidding file laws probably like five bucks. It's cheap. It's cute but yet you paperwork in gear and don't you stop a hundred times and then yet to be on the side of the road because you can issue a hundred times and he said the bus driver to stop the bus. Pulled over and got off Angela. He just hit it took an eight hours to get them into a. I thought it was. Well they you know they've had some safety issues than they've been shut down like take aways and it got to take it. It go back in inspectors still haven't done name you know Fleet's fuel the bottle. Buffon Ross says that they have now been granted their federal license. Once again their safety violations have been taking care. And they are back under. Merry go Ari when we come back we're going to be talking about Jack's abbey this is they grew worry. Expansion program or project it's were occurring in Framingham Massachusetts that's our next story. This is the financial exchange on the financial exchange radio network. Hi this is Barry 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. I own 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 bay who locally and buy your gold coins locally it just makes sense give leader bank a call and learn more about their gold coin. Programs 8776917900. Or visit leader bank dot com leader bank a step ahead not a deposit not FDIC insured not insured by the federal government agency not guaranteed by the bank may go down in value. 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 then we have help for you must today indeed 6681064222. 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 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 just to buy the Acura own home. Not only does transferring put your home at risk 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 in 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. Tugnutt ski in the law firm of Cushing and Elena put together are brain you guide to the risks and rewards of real estate ownership. This free guide will show you the best read on you 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're 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 rates ask 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 the 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. In the polling is the capital city of violence in the US. Evening news the answer he's in Worcester Massachusetts. You do -- day at work WH a T was that your first game get a college now. It was a good game. How many years ain't there for years. And ages and fantastic. Radio and television stations. Are here here fourth and final trivia question of the day. Which American president was born in west branch I'll easily won. American president from Iowa who was you know audiences that text text that's at 68680. Brewing they're Evian here. Is. Amazing how well they're doing. Hear time and time again about that batteries that are explaining to them to get companies to. Today and answer for you personally didn't McCain's. Prior to Steve and it was sold it taps. So that's that's where expansions that they're going to be able to do now offering in canyons and bottle pack and a. Which means that then you can start to expand into liquor stores now. Getting shelf space. Competition for shells absolutely. And it was it your right about that because when they do look I am here when you go oh crap. Beer section of the restore him to 36 talent that adjective that I know it's called the unions human in the island. With current year veteran core that beer yeah they've you know lots of Beers but it's really artsy more wine. Absolutely on the point about the case. Indeed this Christmas. Oh I don't like operator error. You know I doubt hear her sister's in town. Like outlays. Anyway so this company's expanding. Tripling their space. They're they're trying to hit big time he. Did you 125000. That would produce a 125000. Barrels of beer. If I start. New bosses haven't pretty ish on Hugh. Yes deleted managers had. It was after he had not such a good time you know down period. Shares of the hit that that's happened Prides Crossing in Beverly. So affiliated managers they rose after the global asset management company received. Consensus by a rating from eight firms to analyst recommended a hole on the stock. And let's see it is it. To forty up from 234. To two and a half percent today or five dollars and twenty cents at 272. That's Affiliated Managers Group in G. You know. It it always surprises me. How many wealthy people like me I'm talking about people that are worth more than a million dollars that are subjecting their families to a state taxes. And that's the number. They edit they get very easy for. If you are worth more than one million dollars you're gonna be subjected to an estate tax by Connecticut Vermont. Rhode Island Massachusetts. And mean all five of the five of those states will tax your state. If you have happen have a total net worth of over a million dollars and less skewed take steps. To reduce and eliminate estate taxes howdy do this. We'll typically it's done through the use of trusts you create a trust for your wife you create trust for yourself. And you'll split the assets between those two trust it's called EB trusts. But if you want to learn. How to reduce and eliminate. Estate taxes or if deduce call Todd lets you get his guide. It's the state an asset protection guide. For reducing and eliminating estate taxes it explains all of the strategies. That you as somebody who has over a million dollars need to employ. To reduce and eliminate estate tax phone number to call. Is 866. 8485699. That's 8668485699. Those are view among the first five callers will also receive one of our beautiful color calendars for the calendar year 2015. Great calendar great guy. Really appropriate for anybody worth more than one million dollars the phone number 8668485699. So Kim it sounds like you mass is open for new president. Ann Arbor correct who it. But he's been about four years and I came up from Maryland yeah I was go back to Maryland. I was a Maryland this is home accent and done he is going to be the chancellor and president University of Maryland which actually in the end. He's in the army to make a 100000 dollars more a year or shall put his income of about 600000 dollars and he's gonna oversee a bigger system can be persistent in the US estimates. For the budget that he'll oversee will be lack of just right under five billion dollars where's this one here for and three. An Islamic students get so he's on the way out in the end anything he's quite I think he's quite gracious about going you know he'd say he just could not turn down an offer to go home. Right he's going home to get a pretty good job from all by all accounts a jerk so he's on his way. I'm more news out of market basket RDT did you know that market bag you guys know that market basket does not have a website. And that made it a bit yet the horrible they have for the corporate side of it. It's like my dual stock commerce does that the levee there's that Mike didn't lose dot net but that was set up during the strike. Market basket did not have and does not. Eight corporate website but you know what they're doing is RTT there's this guy in Philadelphia it. And he bought all of the domain names for famous names right so we went through the Forbes 500 straight. And he sought to move us as rich people so he bought them lose dot com fifteen years ago. This guy from Philadelphia. And he's had for sale the balloons stuck on you get a body anytime the last fifteen years to anger. Plays hard up on money lost his job again that'll that the domain name is really reduce the price to like three grand and party bought. I now know party will have a it they'll be had to move lose dot com and it'll be and even be owned by. Market mask. So there you. And and there is a movie I would ever going to be starting starring in this movie the market basket movie. Did you hear about this document here at the dock and public support helped protest in market basket we're workers win their fight to reinstate Arthur T to most of president of the grocery chain store chain this summer. Now it Portsmouth, New Hampshire filmmaker is hoping a second wave of public support will help pay. For a documentary film about the struggle that riveted New England for weeks would you guys like that I would I would and a he's tried. Judy child. Spent much of July and August. Filming on the picket lines he has launched an online fund raising campaign through kick starters who do crack down right. Any seems to like 50000 dollar for editing and post production cost of a project project he calls food fight. Inside the battle for market basket in five days he's pulled in thirteen thousand bucks mostly. From donations at 75 dollars the last hitless. I got how much money to make chicken salad than that it was one of the guys did set I'll make chicken salad on on it was here. And he was I think it was and variously on his sabbatical. And taking another sabbatical or Wear them. The only talk about that tell who runs the marketing market basket but there's a market Bassett dot com but it's frock catering company. Yeah maybe a small restaurant why you tell me they would have accepted pregnant that went not as you know waiting for that domain name. And it went this movie for second at. You know not only do I hope people will crowd from this person so he can do this because I think it's a great idea ethical that you would enjoy learning more about from the inside out. But can you imagine. Again in business professors across the country who would show that in Islam and it I I'm gonna do I check in nature with an illegal people and I'm two but if I'm allowed to do it and invest a thousand bucks if you're not it's not a donation. It's an investor events right so if this thing does ten million witty guy term. You get a piece of the action crowd funding the crowd a Little Rock funding as a supporting you know you don't you get a ticket to the premiere. No I don't exodus a mile you will not have any investments. And as I don't. What do you and I don't do things for money I would like to voice the movie. Yeah he could do that. He's aware that name actually committee child did Jay call me. A voice in the Israel differ pretty decent in general if you want to be able to win it will win an award. Yet if you knew piece of the action on that they'll have staggering. So if you with saint Lucie donate 25 dollars you Mike a sticker. For the want to donate fit right in any teacher Alan equity I want peace in the I irate people any. I think it would be advertising for a I think people would pay to watch it and it's not there obstinate do. That that state might come later. In my have a party where they're trying to raise capital but this is an expert. The I don't think he needs to tell everyone though is this will really motivate people. If he says that during the course. Of the two month strike he had access to RTT. Or they had access I don't think I know and if he did. That would just may because then people would be like oh my god I got to see I heard that you've learned in the side of what was really going on while it was all happening. That people with debt the they'd have big numbers attendance numbers they had. Inside or they had access to Arthur has the absolute anybody on the inside like that that none of us could talk to. Casey Ross covered so well he had access to both of death yet case I believe I've IE I think even even let this guy when the book coming up other guys interviewing Casey. There's a reporter from channel seven that pretty good access to shed debt each DH. Yeah. Hey guys thanks for tuning into the financial exchange today don't forget to visit us we are the financial exchange on FaceBook here tomorrow. 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 divorce.