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Full Show 4-24-17

Apr 24, 2017|

Full Show 4-24-17 by The Financial Exchange

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

This is the financial exchange with the very Armstrong in chunks of you're exclusive look at business and financial news affecting your day your city your world. Stay informed and up today about economic and market trends plus get breaking business news every day. And now the financial exchange with the Barry Armstrong and chuck Exxon. Some people love dearly saved stages of spring you know the sun is coming up I think the sun came up around 5:15 this morning. Others like you. You like the sound of money you like this time a year because we're making money on a daily today the Dow is up 226. Points. I everybody's very Armstrong and John Moody sitting in for trucks ought to and what we're seeing a real I think you call that are reflation trade but stocks drop in some sectors obligate the financial sector gone financial sectors of. More than 4% we have a lot of concern about what might happen in France the concern was that the two extremist parties would be the final two. Because when you breakdown on the top four candidates they came right as the polling indicated on either side of 20%. And again the likelihood that was going to be the Penn vs McColl. With high. But it was certainly wasn't certain wasn't is an unknown and markets discounted the possibility. Of the night near disaster of the Penn vs melon show. Which should be the far right and the far left Euro would be in big trouble think about it Britain leaves in France leaves. Bureau is dead. Europe crumbles rest of the world is unstable what do we know about McCraw. We noble Lecrone is he's an outsider he is a business background used to be an investment banker. 39 year old guy considers centrist supports the European Union so his election. His nomination right now in the final two. Which in the final lecture will be may seventh but assuming he's elected that means is that why are you assuming you via. Because look him and has a very large following but it's a plurality it's a 25 to 30% of the people weicker. The other people and there's like an eighteen other candidates. Three other major candidates. All have one thing in common they disagree and everything they don't like opener but on May seventh they only have to cost like four cart correct in the polling in advance this showed. About a 25 point lead from a crone head to head. Polling the night of the election children about sixty to 38 I think it's a B about a 6040. Race. So even if there's movement largely in her favor it looks like McCall went what does that mean runs he means. France will likely stays in the European Union it means the European Union likely remains intact. It removes a huge. Question mark about instability for the world it probably bodes well for Paris in terms of becoming a banking center to. That's another interesting aspect but chrome as a financial guy. He's taking a real hard line on fourth sit ironically though if he's gonna make it really hard for Britain. The lead and he's gonna make up big time push to get a lot of those financial services jobs. To move from London. Apparently not talk about 400 jobs here if you're talking about 7080000. Financial sector jobs highly paid jobs. That are really concentrated in London. Lady in those jobs where they get ago they keep you get if you go to Ireland. Yeah he hits on the go to Frankfurt. Paris though if you think about this you're an investment banker in London you worked for Goldman Sachs. And you go home and you say honey we're thinking about. Four different cities. To relocate. We've got Frankfurt on the list yeah we've got Brussels on the list we've got Dublin on the list that we've got Paris stop me right there on it. Is that conversation pretty short you're absolutely right and now on top of that you have as their next likely president. Guys and Becker but that was an investment banker I got 39 year old who's on your side in a beautiful city that's gonna make you very very strong push for those jobs. Bottom line is before us it means more stability. In more predictability and so you're seeing a return. To the risk assets across the world and US stocks European stocks are on fire euros by the bank stocks. They had just Ike I've not seen a bank rally like this in quite some time because the banks have corrected the most in the last month because of fear that the risk. The the risk on trade the red Andre is off. And that now the yield curve can return to something resembling normal we had a real flight does that mean interest rates go yes. It means that drop he can take the foot off the pedal right now it means he can return to a more normalized environment in the east and back off of Q he. Much quicker and that means that he's less of a risk to lessen the need to bomb US securities. War we need to buy you'll domestic security it everybody's rates float to normal and that's great news for financials micron can. Run his whole campaign on putting the screws to the brits. You know different to the brits in Haiti tether for. 8000 years that that's never gonna change and it's so easy to say well gee this is a big setback for populist and you know what. It's a huge setback for the status quo yes because get too upset liberal establishment loses conservative establishment loses. And what do they really lose though because they have no with Le pen. And micron have between them they have two seats in parliament which is 500 person bought rightly so they have. You've got both of these candidates will even if bullpen wind speed you're describing her as an underground dog even if she wins he has no control over problem. She has to reach out and you talk about straight savings but prime. He has no control he is even less control of parliament and you talk about strange bed dollars one thing to watch about mental and shall. Before the cost him the Communist Cuba called. He put out isn't it he's he's never in my office is saying he's gone nineteen point 9% he was one point 4% behind look at him now. And think about this. He strongly against immigration. Strongly for strong borders strongly against. International trade. Half of potential voters are gonna say you know what we're far left. Again we want to come with open. And will look and govern. Trying to reach out to the content that's why he gets it's difficult to call this race definitely did the fact that they've got an would you say sixty to 38. Yes and I was a 646040. I don't think it's I don't think it's that far. I need to be much closer election. If the pin can organize all the people who voted iconic anti establishment. She can get 4849%. Of the vote so you're right the potential is there the problems he has issues you know race against time it's two weeks elections that's up than two weeks. Eight would you like it apart campaigns for two weeks you'll regret it. If especially the last one now pledges to encourage all of them. All would you talking about a governor's race wars senate race and he just we go on mark to. What do you think will win the French election on May seventh that is our poll question today please go to our website financial exchange show dot com. In order to participate in our poll question who do you think will win the French election on May seventh. Right now the results are 81%. Saying that Emanuel my crawl will win. And 18%. Are saying that Marine Le Pen would see that Emanuel crawls why he's 24 years old news. I picture of him when he was fifteen years old. Hugging his teacher I'll bet it again we will Wear in the greats who we have a crush on our paper teacher might well. The McColl literally had a crush on his favorite teacher who at age fifteen. He said I wanna marry you deal. And I think at age eighteen he married she's 24 years older than him. He's 39 she 63. Judgments but that's. A French kind of you know if I just put it out there I get somebody brought that up to me this morning you're in a research mean didn't come up in my standard Greece Serbia and accurate right I would. It's a picture in the my guys this day you know these men arrested at all yeah they look them up to studio era. Yup you know at age fifteen and who's this who's the woman of his dreams his teacher. And that was pretty good to be likely president so John where do you stand in terms of being a believer in self driving cars. Never you know I've never had a conversation. Yup lever and yet you think it's gonna actually happened. My a driver was car tonight here is an event that's what I wanna go are you could try a practice did not care. I believe the driver was cars will one perfectly well I just don't think they're practically going to be on the road in the next week with yours. You your mom held human she's so bright she's 83 and she's a good driver although they just bumped or insurance rate of 16100 dollars election. And better at a minor accident which they didn't look very favorably when you're eighty to get around trust me. It's not a pretty. Will be joined in the next segment by Eddie Yoon from the Cambridge group to talk about apple he just pulled a permit in California. To test self driving cars which I find curious because I thought they had gotten that business yet added that tightened project right I thought they are pulling back on that so Eddie will join us to give us the latest on Apple's so if you're shareholder in apple you're going to be curious about this interview. And if your stint in self driving cars here and be really interest in this exit that's coming up from our insurer match dot com stadiums. Like us on FaceBook and follow us on Twitter that's TSE show. Breaking business news is always first right here on the financial exchange radio network. According to consumer reports 21% of mutual funds have raised their expenses over the last five years do you know you're paying for your mutual funds to understand the difference between the ongoing yearly fees in the transaction fees the costs of mutual funds EDT your returns and they are one of the reasons why some funds end up with sub par performance hi this is very Armstrong just because a mutual fund has a higher expense does not mean you'll get a higher return my firm the Armstrong advisory group has written a free guide to help you make sense of these these so call now 803934001. And get your copy today understand the true cost of your investments call 803934001. Or download the guide right now at financial exchange show dot com. Juries are for two securities America incorporated member Finneran SIPC and advisory services are for the securities America advisors incorporated Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated. As we age the state planning and asset protection become a Paramount importance to maintaining a happy and successful lifestyle many families who go through this process think about transferring their home to their children to protect it from a nursing home if you're not careful a nursing home stay can guide your financial wellbeing and transferring property isn't always the best solution because you're looking at huge capital gains taxes when the home sold if you find yourself in a similar position in the meantime let's he's brand new guide to the risks and rewards of real estate ownership. A senior partner with Cushing and dole and Tom will break it down for you piece by piece and in turn will help you avoid probate and unnecessary taxes called today for your free guide at 8668485699. That's 8668485699. Don't put your home at risk keep it away from your children's creditors and keep it safe from the nursing home call 8668485699. Or log on illegal exchange showed dot com right now to download your free copy instantly that's legal exchange show dot com. Hi everybody Barry Armstrong here from the financial exchange and I'm joined by Jay tool whose senior vice president and leader bank. Leader bank does a tremendous amount of mortgage loans as a matter fact I've used them a couple times to refinance properties in the past. Jake how's the mortgage business these days it's been an extremely busy Berry. There are a lot of people buying Holmes. So that's kept the purchase market very very busy you know on top of that rates are still an all time lows we've a lot of folks who are refinancing their homes either get a better rate report some cash out because of properties appreciate that throws and asking how does somebody know whether they should call to refinance. Well you know. There there's really 22 ways if they feel that the rate can be improved. Give us story. And you know thirty year fixed racer all time lows. If you have anything in the in the 4% range frankly give its rate in my view would be something. Or if you need to take some cash and of your property wondered for college tuition for kids or yet have home equity lines of credit we have home equity lines of credit as well and the cool thing about that is. If you already have two greens look great on your first mortgage you know home equity line of credit which will leave your first well as it is allow you access the equity. Makes an awful lot of sense and you've got fifteen year fixed rate mortgages by your adjustable rate words all types and hopefully we we have all types of that in addition to that were actually very active Jumbo and yourself. And properties have really appreciated in the markets in Massachusetts. There's been higher demand for Jumbo loans that we do a lot of that so last year Berry we are actually not the number two home purchase letter Massachusetts give for you congratulations. Folks that's Jake truly from leader bank they can be your mortgage bank call them toll free 8776917900. You can check out all their rates online at leader bank dot com. Or you don't talk to human being in my called it loan officers standing by right now. 8776917900. Vets told free. 8776917900. Security suffered through securities America and member of finreg SIPC and advisory services arbiters securities America advisors think Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated. The third daily poll question had financial exchange showed dot com. Vote your conscience there are just vote go to financial exchange oh does come in castaway. Part topic is self driving cars and apple just got a permit to test their self driving cars in California. We're joined by Eddie you'd from the Cambridge group to talk about that. I anyhow Oreo. So why did apple dean any permit in California for self driving cars. Yes yes vote. They're the reason I'm asking yeah the the I had thought they were kind of stealing back on self driving cars last year the project titan. Yet but Mike Mike Pence to let one of three things is possibly going on sold at the fundamental question why would apple want to end her. The top struck car market I can think of three scenarios and why you would do that. To help more iPhone and really it's an iPhone is. All their business and you can imagine that cars that are designed to sell incremental devices more. That's probably the least exciting from like a growth strategy perspective. The second. One would be Dick wrote a car market which is kind of undersea right now cars have about a 95% penetration it's gonna go down with amber. And stop striving in general in Seoul the question because. Becomes can they really grow that market in any meaningful way and I think the third option is in the actually create an entirely new category that. He is quite a car ought to belong but it's completely different and they're decision to get back into non media function of have they crack the code on the latter Q because the first one is probably left a more incremental verses game. Do you think you're actually in the manufacture. An apple car or are they trying to make it so that the app the Eiffel. Becomes the operating system for cars. Well I think it's a function and how old is the scenario hey that may mean not perfect scenario years he were Iraq we tried broke car market through some sort of game where created in categories. In the how often manufacturing and away because those things might exist so one way to think about the latitude sinners if you think about. Paul there's five segments of the car market about as a commuter cars which. Typically compacts small cars not like. There's kind of a toy electric car market that has looked really good while. I'm the kind of like trucks to move our. Big trucks haul stuff. Very lucrative for the Big Three Detroit doctors nickel Armani and the letter he would actually think a lot of growth prospects or I'm not with the car the kind of in between category of on the go offices so think of pharmaceutical wraps anyone who's kind of on the coattails men and you know and all the time not just community by doing work in the car. And that kind of car category is totally electric disruptions critic you. Origin that. Think back you know 2030 years on how disruptive the minivan was eventually I extricated and you know call the family friendly category were economies and today but if you were redesigned from the currently. Run what apple would have. Productivity productivity and entertainment. The latter two cars that could be quite. If you think that the lines of distinction. Among apple and Google and Amazon are kind of being eliminated because. They all seem to wanna make sure they're not missing out on the next big thing and they all have. A lot of money in other you know things that there are not doing that they're afraid that they they're gonna miss out on. Yeah I I I think it is see a lot of convergence and help the steeler clarity. You know how far will be business. Part of what would make thinks that apple might have an advantage again assuming they have a vision to create a categorical. Four times faster market tactics and faster. But you know. All these companies essentially have a harder time farther from the corporate ago but the part of Google's search it's harder and harder for them succeed in the Amazon that the things kind of its retail or aided US whichever one it is but apple. Is really good at making hardware and one can imagine that if you know it is called that a million people who buy car every given year one way to grow the category is to get that number higher write that because the the pace of which you change your technology is much much faster than that which which car. Eddie what they're 29 companies that are working on this. They who's gonna win me is that way we can buy their stock. It's that I would bet the one that even the most different. Soul when you think stopped driving the ball in the past but YouTube videos you think of electric cars and all of that is the company that's gonna win is the one that most of different strategy. In the the bulls were like I don't really know what exactly that in the hall. But yeah it is is different and it has resonance of truth like uh oh. You know I'm not a technologist but that make sense to me because of my life they enter the job that I house. Whatever it is so I would look for something completely different because that's how mobile technologies you know you can win on that but that short lived strategy as people need to. Technology companies to property by better technology the one that's most different from the one that has the most from festive every vacancy and say that make sense commuter system but he can technology I think that's going to be. Eddie thank you very much for your time you're. In use in the Cambridge group you know if you looked at it. On dollars spent my guess is you'd bet on who. You know what he makes a really good point which that it's not like there's going to be one winner and that's it in the peppers is gonna make as billion dollars of troubled guard. Italian number different platform mean there's a bit Mandarin distribute iPhone is really different versions of this. And someone's gonna have a first in huge advantage for a couple of years but I think as we shrink pretty quick. If he technology will become ubiquitous you know it's. We can say Bubba and will all benefit they have become like a DOS language is if things. Just like you don't have to have an android. Have a good cellphone you don't have to have an iPhone have a good cellphone. You're not gonna have to have this first great technology the first out you know we are gifts that person's gonna have a huge advantage for 234 years. But ten years from now to play they're gonna license the license and I like a Microsoft currently using Qualcomm now yeah absolutely. Then they. The it would be wonderful we could just dial had this is where a time machine would come and right magically go. For thirty years of the year who is that companies actually develop the self driving cars and place our online investments in just. One was just an added to the transformation that the societal trends differences that self driving car brings. It is very disruptive if anything about how many people listening to show right now are driving for a living. Absolutely and the drivers will benefit and the nice thing is society will benefit them so we know they win. Which is a good stuff. They were gonna do a trivia question for you a little early well known architect I and pay the man. Who designed buildings such as Boston's John F. Kennedy library will be turning a hundred years old this month. Will be asking trivia questions about 200 Clarendon street the skyscrapers. Formerly known as the John Hancock I thought it was still. They changed the name. Correct I didn't get them if you can get the metal. He'll be called him collect our for a long time but a lot of people like RH college the Sears Tower in Chicago was not this year still caught the seers tower you know. In which year did construction of the John Hancock Tower and clues and when was finished what. That's got a trick question I remember dodging panels that were falling. When I went to work as a kid so yeah it goes back awhile. Our text and number is 68680. First listener with corrective through any 25 dollar gas card in which year. Did construction of the John Hancock Tower conclude then you may be some you actually worked on it. Again our text number is 68680. Wanted to talk a little bit about. The trump the administration's. Desire to get a border wall. Here here's a question I had. And and I have now and we know them enough time left to save it for the next segment but I'm wondering why all the representatives. On the border states. Are not going to vote to appropriate budget money for the border war don't know that but every text tells do we Mexico Arizona cal none of them. They also know we will not give you any. But the border war doesn't accept it it's hard to figure. When we come back we'll give you the latest from Wall Street that's next from our insurer match dot com city. Making your Smartphone even smarter. Dell logo mobile lab by surging financial exchange joke in iTunes or those who. Who played stores this is the financial exchange radio network. Time for a bank that pays you would liter maximum reward accounts can 1% cash back with a debit purchases and an extra 10% back when user carted featured businesses to qualify for these and other awards using statements direct deposit 1000 dollars and make a debit transactions each month to learn more call 8776917900. Or visit leader bank dot com minimum to open and earn annual percentage yield ten dollars mass prison until late fees may reduce earnings rate subject to change without notice member FTSE leader bank. A step ahead according to consumer reports 21% of mutual funds have raised their expenses over the last five years do you know you're paying for your mutual funds to understand the difference between the ongoing yearly fees and the transaction fees the costs of mutual funds EDT your returns and they are one of the reasons why some funds end up with sub par performance hi this is very Armstrong just because a mutual fund has a higher expense does not mean you'll get a higher return my firm the Armstrong advisory group has written a free guide to help you make sense of these fees so call now 803934001. And get your copy today understand the true cost of your investments call 803934001. Or download the guide right now at financial exchange showed dot com. Juries are for two securities America incorporated member Finneran SIPC and advisory services are -- the securities America advisors incorporated Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated many of you listening today are either retired or preparing for retirement investing in the market can be as safe strategy to develop growing assets and income to keep ahead of inflation but here's another investment you can make that may also help you achieve your financial goals if you invest in solar energy you may see double digit returns and growth call alternate energy today for a free solar analysis for your home or business at 8559120115. A well cited solar system turns out monthly dividends and reduced electric the best part is that these solar dividends aren't taxable. 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Fool me Wall Street watch a look at the market's performance so far today but I don't Berrian jug right here on the financial exchange radio network. Well last night we knew it was going to be a big day for Wall Street and it's not letting us down we're joined by Mike Armstrong from securities America what do the market's doing today like. We're very their as expected moving their bets that the Dow's up about 220 points about one a little over 1% yes PF 24 points over 1% and then obviously European markets moving pretty substantially to the Dax is up about 3% to put the up 2%. And that's based on the Euro keep it together I guess right. But the yeah that's the general story here is that Iran and Abbott and they're gonna be in the runoff election which. While is pretty surprising not I mean think about the American comparison you're talking about two candidates. Without a real big political party affiliation should be like a major election here in the US about a Democrat or Republican leave. What sectors are moving the most here Mike. Well it got financial up a fair bet a lot of that is obviously could be based on stability in the Euro zone. If discretionary industrials. I think he also moving at fair bit whereas realist stating utilities are both down a little bit. There assumption there could be about the connection to potential for rising interest rates. The upcoming earnings saying today or tomorrow. Yeah we got them out big companies coming out this week McDonald's Coca-Cola caterpillar Exxon GM as well budget big tech names set Twitter Amazon Google. Yeah alphabet and Microsoft. CR Bard moving in a big way up. Yeah huge acquisition announced. Over the weekend so CR Bard. Healthcare supplies medical devices. Being acquired for 25% premium based on where it was trading on Friday and bad stock. About 20% kicker on that be used in voice season Charlie arts and Robert BC RCR Bard being acquired by baton. Like Becton, Dickinson & Co. Very good thanks Mike. You don't would you like you have that news Lou early. With Sierra bore. Yeah you would have made 25%. Up overnight which would be very nice if you're getting some phone calls from the FCC thing. Oh look at what can win win. All right construction of the John Hancock Tower began in 1968. And concluded in 1976. To this day it remains dueling with new England's Paul spilled and Tom from him and got that square he gets that gulf gas card. Tribute today brought you by alternative energy. Investing in solar energy could save you thousands of dollars in your electric bill and those dividends are not taxable. He thought about installing solar your home or business call alternate energy for free estimate and alert council work and work for you call 855912. 0115. And setup your free no obligation consultation today. That phone number again 8559120115. We get a budget deal this week. What we're better because if we don't they're scheduled for a government shut down Friday in all by the way they number 100 of the Donald Trump term. Is Saturday. Would that be awful day and you're 100 day with a government shut down I don't I think they can push it bye week even if an agreement on Friday that will absolutely and it's their release from looking at a 01 week extension. But you know what's hanging it up right now is talk about this border wall funding. You know the president wants a down payment on the border wall and not everybody's on board. They have those they better get something done here because. The Republicans don't need a single vote. By Democrats. To make 22 in the why can't they get both votes from Texas New Mexico Arizona and California and Republicans. Agree that I think California. But why why been active in both senators known in New Mexico and Texas hot button issue congressman and Texas are saying no we will not give them. Yeah part of it may be they wanted to warn details of what this is actually involved is not a whole lot of information about it yet organ of wall yet the cost a lot of money but they probably wanna see more about it Emmett probably also want though. How we gonna format in the context of the budget overall. This is going to be the challenge Barry with the budget. Everybody wants lower tax rates for everybody wants a lot of people want the idea of a port while they wanna see infrastructure spending. But they want to see that it's actually paid for and they want to know who was going to be paid for. In this is what makes the budget. Probably get a conservative from Texas he says why don't wanna run up the deficit Tobago the wall exited Mexico's. Exactly so he's saying look I love the probable my wanna know how we're gonna pay for gold in Spain today. In this again is that risk on risk off trade this is saying the world is looking a little bit more stable. Who's saying you're is looking much more stable this is a very strong currency vote vote. And again you know. Gold trades on turmoil yes it's always one little less turmoil yeah absolutely. And and and stability for and most importantly it rates again. Is currencies. Would college take much though if you if you had some open. Boil up in the Middle East if you had stayed North Korea get a little bit more out of hand. Goal could be back up. And if we have a budget situation that results in massive deficits going forward and that could make dollars less attractive than gold more track there are a number of shares were up with a gold. The one thing I've noticed that Barry is headed for the reactions in gold are more muted than it used to be. We've had since he's military exercises that in the old days would have as percent five. 1% was so high and you think about the old days. In a pocket pre 9/11. You know gold destroyed 32. Lead right now trading at 12100 bucks outscored 1271. But right now you know when gold is not doing well that's a good sign for everything else that the they don't forget to give Cushing and dole on call and receive their guide to the different types of real estate ownership. Somebody asked me today equal you know who should call for this particular god it but it owns real estate. Or it is thinking about owning that's the thing about buying and investment property. Need to call get this guy it's the guide to the different types of rules state ownership I don't care what field vacation property. When the only primary residence where the you'll an investment property you need to have this guy. 8668485699. Is toll free number you call 8668485699. It's legal exchange showed dot com if you wanna. Apply for an on line just go to that website. And felt form in the mail to legal exchange showed dot com or all the too free at 866848569. So John how many bullies did your mom. My mom at three boys and one girl and morrow still alive which is tonight's top where. I mean the only son in the family as MRI. Raising bullies the mothers' day's coming up right it's in. Let me go. I'm really amazed that they may fourteenth because I already got him bids from Mont. This weekend when you do that there were make an appointment. First I cared. Other guys got to negotiate I guess I have Paris or as of Sunday may fourteenth they well the re I told my wife this last thing she did believe so at the scene this story. But I believe it. Raising bullies shortens your life and other surprising facts about life expectancy what do you read anything other than that it. Reasonable. Shorten your life. The you're gonna have to email this to your mom well is it it it it's a Scandinavian study. Yeah it was released in the world economic forms actually released a few years I just never found. Well she my my mom's a very healthy theory she raised three of but she wouldn't live much longer I don't that boys she might live to be a 120 it you know all girls I mean that's just the way it works and women generally live longer than men we know that now other interesting things that were found in the World Economic Forum and although although we're not leaving that went on live and it won't hurt us a Scandinavian. Study reported in scientific American in the year 2013. It showed that he woman's risk of death. Increased by 7%. Per year for each son ports or your wife your mom have three sons. Jessica you know I think this is I think this is a conspiracy. If because everybody who want to have bullets right on the one child be remembered China rivers Jews and a boy now because the only one kid you know like that would. You know keep their legacy going. I I think they're they're they're planting. The study was based news if the study was based on birth and death records from three industrial Scandinavia. This may be due to the boy he's taking heavier poll on their mothers' bodies because they generally Winnie more than girls had bird. And getting scientific. I've done my homework on this because I found it fascinating. Moms may also need more energy to produce sufficient milk for boys studies have delivered inconsistent results on that topic. And let's be honest. Just the three of us talk more pains in the asses works. And the boys are hard to race they eat they. Are that term they think about all the trouble if I was a dangerous. Perfect child that he did use the rest of the NC because Bob a lot of trouble you know I. As strange as I actually believe that theory more and I. The the thing about the womb and all those issues because. A should have like twenty boys its relatively short period I can't believe that you know having a bit more difficult the you know oh. In the womb for next month. Is gonna take years off your life but I can't believe the thing about stresses excited seventy years. If you're looking for a job. And era is hiring. 101000 drivers are looking to expand other delivery service they expect to have 35 to 40% of the stores online witness. By the end of this year comparison quick Roma they're for what they're calling that a little elevated guest experience and end. There this observation is fascinating the CEO said. You know if you wanna get a pizza or Chinese food there's what do you delivery guys miss like a million places the order pizza. But if you get something a little nicer with a different the whole lot of options I agree that I think there's an opportunity here. And they that they are. Have a good pick up right began there were two of the leaders in that technology. Now if you could go to your phone right. And order lunch at 1130 and know that can be there in your office by twelve I think the office applications for this are of these. I agree and I think pinheiro learned the lesson that they said look if you're going to be spending six box McDonald's. For nine bucks you can get something substantially. Better for not and they they've made a fortune on that theory and they're gonna have an aero Volkswagen's whatever the delivery yeah right running all over town that's gonna bring. Awareness you know. If I order lunch from an area that. Car sitting downstairs we you can bet. The other tenants in the office building owners say the same thing or they see driving through the neighborhood delivering their dinner to your house I think it's a brilliant idea the more I think about it this makes common sense. In the could be as I said rolling up a new tracking technology so you make that order you know how far away it is where it's going to be. I think it's a great opportunity to I wondered why. Three G paid such a premium to buy an air. And we talked about this a few weeks ago when panera was acquired. This they must have known about this this is part of the value proposition for why you buy and there. This is a really well run company very I I I have expiration them dating back many years. When I worked in Missouri. This company Richie was called Saint Louis bread in there from Saint Louis and and they were in Missouri many years before they came here and I saw a company that was extremely well run and that understood their customers' needs. That delivers what they do and I agree there's really a lot proprietary here. But they execute extraordinarily well they sure do. Hey coming up will be joined by the end of the shoddy for Morningstar grab a pen and paper we've got a mutual fund selection for you next from our insurer match dot com studio. The battle over the trump agenda continues to affect the markets and get the latest info on the sectors that are benefiting and those that aren't right here with a battery in shock on the financial exchange radio network. Your financial strategy has to include a thoughtful insurance plan insurance exists to protect your assets. Our friends at the insure a match agency can prepare personalized plan that gets you the best coverage of the best price call insure a match at 84499. Match let's before for 99 match many of our listeners don't know home -- one or two cars if that describes you you're the perfect candidate for a free consultation to make sure your property and family are safe and properly covered well so they get all the discounts preferred customers like you can qualify for call insure a match to compare multiple rates and carriers at 844 and 99 match let's 8449. B nine match insure a match works with the leading carriers in the industry Mike Rabelo Plymouth rock and more. Their license for all types of insurance and continued time stress the money with just one phone call and one relationship. Called today 844 of 99 match or go online and ensure a match dot com. As we age the state claiming an asset protection become the Paramount importance to maintaining a happy and successful lifestyle. Many famously go through this process think about transferring their home to their children to protect it from a nursing home if you're not careful and nursing home stay can judge your financial well being and transferring property isn't always the best solution because you're looking at huge capital gains taxes when the home sold if you find yourself in the similar position in the meantime let's he's brand new guide to the risks and rewards of real estate ownership. A senior partner with Cushing and Dolan -- break it down for you piece by piece and in turn will help you avoid probate and unnecessary taxes called today for your free guide at 8668485699. That's 8668485699. Don't put your home at risk keep it away from your children's creditors and keep it safe from the nursing home call 8668485699. Or log on illegal exchange showed dot com or go to download your free copy instantly that's legal exchange show. Dot com. Our our strong here and I'm joined today by estate planning attorney Todd lots ski from the law firm up Cushing in Dolan were talking about how old rules state. Specifically Todd what I wanted to ask you about is what's the best way. To old rental property I've got clients and bought rental properties the last 3040 years and it accumulated a lot of it. And they don't edit invariably failed summit jointly something else see it it's a hodgepodge. Of ownership quite often. Sometimes they're clearly when it jointly with children which could even be worse than than any everyone's human you know please don't do that but. I think what's real estate with rental a realistic area that really the best thing to think about is your creditor protection. And that is to not only in your name but only in limited liability company OK okay since LLC people heard about them. You take your property is road and you take back shares you know it's just you're that you and your wife. And then you put your shares. In Q your trust either you or revoke global or your irrevocable trust depending on your objectives. The reason being is when that person slips and falls or get her drunk person leaves and hurt somebody. They're gonna sue the owner of that property. In the owner better not be you because then all your assets are exposed rights but if it's owned by the LLC. They're gonna sue the LLC and not the shareholder you know you. And they can only get. The building that's in that LLC. Where a better form of ownership for rental property tell you what it fueled rental property I would strongly suggest that you call Cushing and dole and receive their guide how to only real state 866. 848. 5699. At 866. 84856992. And download the guy go to legal exchange showed dot com it's called how to own real state. Pretty basic but it's more complex than you might think. Call now 8668485699. Gary Armstrong. Showed Sodom. Breaking business news every day right here on the financial exchange radio network. This segment of the financial exchanges brought you. Five Peter bank if you are looking to diversify your portfolio precious metals are Smart investment. Gold and silver bullion coins are now available at all Peter bank locations call 877691. 7900. Or log on to bigger bank dot com. For more information it's now time for mutual fund Monday. And mutual fund Monday our guest is Kim oh surely from Morningstar Kim thanks for joining us. More continue to talk about more Ab it high yield fund. This has been a great past year for high yield no question about that's been nice place to be. Hi Gil this had a really nice one is it a little late to get to the party right now. You know it. And I mean there are a lot of approaches I think in the last year which he's seen is. Especially with the rebound that we had in energy is the beginning of 2016. Bet there are a lot of there was like you settle a lot of rapid growth. I'm hearing different stories from different managers like I said based on their approach I mean I think a lot of that sort of easy money that was made very early on this kind of the brits here lower rated at that. You know kind of progressed and bounced back very quickly. I'm hearing from Lotta people that that you know it sort of gone from the market. Palm but I am all hearing from others that you know there's still some room to grow I think especially if you take 00. More or. Kind of thought out approach and and you're looking for bargains as opposed the kind of just. Topping on the fast moving trend. There there's still some room for improvement then and also you know there's just a lot up in the air. Just depending on what the business environment will be going board though likely not the beginning of this year as well. There you know with still the movement up because people are sort of expecting. You know with our new administration period Spain though. Like at that I think a lot of the fast moving. Quick growth in the beginning. He I'm here from a lot of people that's gone but there is some opportunity left in the market. Let's talk about this fund in particular dig down that what I like about this is duration is only four years so if you're worried about the tail risk. Of interest rate that's it that's good news right. Yeah absolutely that's good news and I think generally with the asset class high yield. You'll find that it performed more closely to equities. So. Elm if you have more but traditional or bonds bonds or or municipal fund absolutely. Interest rate risk is. A very big thing to consider and you know these are still bond though interest rates will affect performance here but what shall find a lot with high yield is that. The performance is much more tied to the underlying credit. And you'll kind of be that performing in line with the fundamentals. The strength of the company a lot more at the post the what's going on with the overall interest rate environment. And that would be the big question the issue of you know credit risk here. You think that the yield premium I think it's like five point 3% do you think that compensates investor for. The credit risk. Mom that's how I mean I think just generally speaking what I look at high yield. I would never. You know if you invite Bob to talk about myself personally it's not something where I would. In a load up on it and my portfolio. It is you know absolutely like you said there is credit risk. And it's something that. You know if if you feel like you can tolerate that it it. There are good opportunities but you have it there can be a lot of volatility I mean just sort of looking. That you know there was that. Period from the midpoint fourteen to the beginning of 2016. Where you know you had some. Investments that you know you view loft to. You know 45%. Com or more I mean there are some that that had that trouble then and with that equities you know build larger movement. Happened more frequently but within bond that you lose that much it's been. Take quite a while operative to pick that up though. Like I said it's something where I wouldn't load up on portfolio. But especially this spot I think that they take Perry. Thoughtful approach and and it has played out well over the long term. Oh yeah I I think that's the good opportunity. Appreciate against lord how high yield fund and I can no shouting for Morningstar we appreciate your feedback that thanks. Yep thank thank you. You know the stock market we've talked about it rallying today interest rates up a little bit here at 220 feet on the ten year treasury not a lot. Euro was trading it was opposed to a dollar nine last peacock only took yeah its at a dollar rate now. But still strong gold trading down fourteen dollars and out and of course. Domestic equities here John. UBS and 500 up 23 points that Dallas at 260 points and the NASDAQ is 65 with little short covering going on to lose my mind like well you're probably right that you're probably right DA here that explains what happened in the first ten minutes of the market take enough yet. Thanks for tuning into this hour of the financial exchanges John Moody Tucker Silva and Barry Armstrong from our insurer match dot com to. According to consumer reports 21% of mutual funds have raised their expenses over the last five years do you know you're paying for your mutual funds to understand the difference between the ongoing yearly fees and the transaction fees the costs of mutual funds EDT your returns and they are one of the reasons why some funds end up with sub par performance hi this is very Armstrong just because a mutual fund has a higher expense does not mean you'll get a higher return my firm the Armstrong advisory group has written a free guide to help you make sense of these these so call now 803934001. And get your copy today understand the true cost of your investments call 803934001. Or download the guide right now at financial exchange show dot com. Juries are for two securities America incorporated member finreg SIPC and advisory services offered to securities America advisors incorporated Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated. It's not too late to get a great raid on a whole mortgage leader bank specializes in a wide variety of purchases and refinance loans at some of the most competitive rates in New England a dedicated loan officer will work with you every step of the way and their local decision making means a faster closing call 8776917900. That's 8776917900. Or visit leader bank dot com. Member FDIC equal housing lender and the lowest number 449250. Subject to credit approval leader bank a step ahead your dream home is within reach with a Jumbo mortgage loan from leader bank they're jumble loan program designed for financing in excess of 500000 dollars offers fixed or variable rates for both purchases and refinances all originations are managed by your bank's local underwriting process and teams for additional information call 8776917. To 900 that's 8776917900. Or visit leader bank dot com. Generous PSE equal housing lender and Miller's number 449250. Subjective credit approval leader bank a step ahead. Your financial strategy has to include a thoughtful insurance plan insurance exists to protect your assets. Our friends at the insurer imagine agency can prepare personalized plan that gets you the best coverage at the best price -- insure a match at 84499. Match let's before for 99 match many of our listeners don't know home and one or two cars that describes you you're the perfect candidate for free consultation to make sure your property and family are safe and properly covered will also dig out all the discounts preferred customers -- you can qualify for call insure a match to compare multiple rates in carriers and 844 and 99 match let's 8449. B nine match insure a match works with the leading carriers in the industry Mike Rabelo Plymouth rock and more their relations for all types of insurance and continued time stress the money with just one phone call and one relationship. Called today 84499. Match or go online and ensure. Mutual funds that is actually the free guide or giving up for the month of April. And chuck I wanna talk about how trading costs and other fees impact returns for mutual fund investors. Yet this is one of the big gut things that I think it's kind of an unknown for a lot of people a lot of folks. Who do invest in mutual funds that familiar with the concept of a front and a back and load their familiar with the concept of an expense ratio. But what they often don't understand that there are additional trading costs that mutual funds have to pay either in the form of marked up. Bid ask spreads would ever maybe. That aren't necessarily applied. In some of those familiar ways that people typically know is this not disclosed clearly to an industry because that's I think this is a point of confusion. You know somebody buys a mutual fund. And lord forbid they try to read the prospectus which is confusing in its own rate. But often times I. I think it's even difficult to find this even when you're going through the prospectus it can be difficult to find it and I think that's one of the biggest reasons why people need to be able to go in and take a close look at their portfolio because oftentimes the individual investor doesn't know where to look. Sorry. That's trucks audit Chiming in with his thoughts on the hidden costs of mutual funds there's a lot of them. And you may not be aware of exactly what you're paying associated with mutual fund investment. If you like get a copy of this guide it's called hidden cost of mutual funds call 800. 3934001. That's 800. 3934001. Download it right now from a financial exchange showed dot com or call told free. Our office phone number is 803934001. Securities offered to securities America incorporated member finreg SAP C and advisory services suffer through securities America advisors incorporated Barry Armstrong representative Armstrong advisory group in the securities American companies are unaffiliated. Whether you're celebrating a milestone toward diversifying your portfolio precious metals are Smart meaningful investment one ounce and 110 ounce silver and gold bullion coins are now available at all leader bank locations bank locally and buy your gold locally we just make sense give leader banker called and learn more call 8776917. B 900 or visit leader bank dot com not a deposit not FDIC insured uninsured by any federal government agency god guaranteed by the bank and may go down in value. Leader back a step ahead as we age the state claiming an asset protection become the Paramount importance of maintaining a happy and successful lifestyle many famously go through this process think about transferring their home to their children to protect it from a nursing home if you're not careful and nursing home stay can judge your financial well being and transferring property isn't always the best solution because you're looking at huge capital gains taxes when the home sold if you find yourself in the similar position in the meantime let's -- brand new guide to the risks and rewards of real estate ownership. A senior partner with Cushing and dole and Tom will break it down for you piece by piece and in turn will help you avoid probate and unnecessary taxes called today for your free guide at 8668485699. That's 8668485699. Don't put your home at risk keep it away from your children's creditors and keep it safe from the nursing home call 8668485699. Or log on to legal exchange showed dot com right now to download your free copy instantly that's legal exchange show done. Come your dream home is within reach with a Jumbo mortgage loan from leader bank they're Jumbo loan program designed for financing in excess of 500000 dollars offers fixed or variable rates for both purchases and refinance this all originations are managed by leader bank's local underwriting and processing teams for additional cost information call 8776917900. That's 8776917900. Or visit leader bank dot com member FDIC equal housing lender and MLS number 44950. Subject current approval leader bank a step. Hi this is very Armstrong and I'm here to tell you about a new dental product that will make your next visit to the -- much more enjoyable live beyond -- dental jail is revolutionizing. The dental industry a recent double blind study at UC Irvine found that Libya on action removes -- two and a half times better than the leading toothpaste for treating gingivitis once you start brushing with -- -- you'll never go back to regular toothpaste Leon X contains a powerful anti oxidant that make your teeth and gums healthy and it's safe for people of all ages I started brushing with -- -- twice today in my dentist told me he can already see the difference protect your oral health today by ordering Bolivia on X -- now call 8559120304. Order online at best dental jailed dot com you mining Berry and you'll get a 10% discount off your first purchase call 8559120300. Or visit best dental gel dot com to place your order that's best dental -- dot com. This is the financial exchange with the Barry Armstrong and show Oksana. You're exclusive look at business and financial news affecting your game your city you. World and stay informed and up today about economic and market trends plus get breaking business news every day. And now the financial exchange with Barry Armstrong and sharks done us. After a long winter it's nice to have a sunny spring day but it's also nice to have a rally on me. And you can see your investment portfolios wreath laying it Dallack 216. Point tiger but it's very Armstrong and John Moody with you here on today and so again I mean if you're not making money today. He should not invested in the market or in short the market yourself when things. That's pretty much everything is up and financials is just from the group sure we're seeing a lot of those trades that were made initially to three months ago that just kind of fell apart in the last month. All coming back today rising tide of the elections has limited a lot of uncertainty there are a lot of really dire scenarios possible. With the French elections which have been averted. Namely why have extremist vs extremist than in the general election two weeks from now so. Of those the table being set here for pretty good week is going to be a busy week either congress returning from recess tomorrow we get the trump tax plan being revealed at least the outline on Wednesday let's go back to the French elections and we unit said most polling suggesting it's what 64. 623862386139. In that range that's micron beating Penn. Our own poll are in internal polls which is just encompassing listeners to the financial exchange. It's 5050 who do you think will win the French election on May seventh 50% suggesting it's going to be an annual crop. It 50% suggesting it will be marine and you. If you're sitting here right now you can participate in our poll question today go to. Financial exchange showed dot com. And let us know who you think will be purchase their winning that French election on May seventh but clearly the stock market is putting their money on chrome. There definitely are mean and what they're saying for one thing it's not going to be. A guaranteed far left or form right candidate did so at very least it's a far right candidate verses centrist candidate. Other issue here is that. With all the candidates the major candidates who ran and lost. They don't agree and very much but they're all in Kabul pen and they're endorsing cry in their Anderson a chrome which which right away did last night. Yeah in and that's because they're anti Le pen one variable we mentioned earlier tonight and and it bears watching. Is that the Communist candidate Mellon children. Has a lot in common and on issues like immigration. And border neutral. In the pantry. With Le pen so that's 20% ninety or nineteen point 6% of the vote but what did he endorsement from he did it. But it doesn't mean his people's vote the way he's exactly so that bears watching that's a lot of votes right there so. It's not in the bag but I would say the odds are very heavily in favor in the chrome winning. Now how effective he's going to be governing. We're not really a party is important in inference is going to be a whole other issue speaking of winning Hasbro just keeps on winning. Hasbro up. Europe 5% and yet they opened up like two and a half percent premarket and they have kept climbing it's a 5% earnings beat 54 cents vs 48 last year. That's a big increase in earnings. And more importantly their revenue is just blew away estimates that those religious soul warship off. Then I'll Wall Street thought they said strong growth in gaming it's not that kind of gaming you know the guy we got a box will put your money on the table. I think the talking about the actual games that. That Hasbro sells so they make a lot of money off the movie's premiere big supplier of the Star Wars memorabilia and the was. It's the world pros. And they make they make money from several sources beyond just games stock is up before today 23%. Year to date. While the recipes up 5% so. This picked Oregon has Perot lost a lot of fans expectations were reduced and the ball those expectations the way great news for a local company. This is a big week for those of you who are trying to. Determine where your kids. All got all your final financially it offers and then. Now you have until May first to make a decision as to which school years. Am a lot of people may find out a year from now or later that they made a big mistake. Because sometimes the early bird doesn't get the warm but they don't get as good a warm core. In this case we get a surge in early bird offers. From colleges. Looking to recruit students. Because families are now able before I was released over the upcoming academic year that you see income and income data from an earlier stricter. I'm under the old system yet week to January 1 so with the seniors and people are accepting offers scholarship offers. Early. Before may be better offers coming in late now this happens anyway. Normally but now we have people coming getting offered eight weeks earlier. And grabbing sometimes offers me turn out to be the best in you have to distinguish between a scholarship. In the lol because a lot of times they'll put that financially packaging for inhabited in they'll just see a lot of the pain. But it not realizing it. In 1000 dollars a year of that package as well yet if you remember two things number one don't take the first offer wait and see what's on the board number two. Loans are not cash and I. I river with my son going through this and it says your package is axe thousands of dollars. I look at that in 80% of its long. Like not sorry I don't well yeah alone as money I got his money back up later right so yeah I understand loans are not cash in the rate that I'll find out how much really is scholarship the other far parties. You understand these scholarships are dependent do you maintain certain GPA. Find out a deal that attainable in knows some of the schools set that bar it exceedingly high. In the same after your sophomore year out so are you would eating deep three Yates who years loser financially and I can't say how many people end up going to you know the school their choice because you're one was very attractive. And it's comparable. A game that's colleges play because they know you're probably gonna wanna stay a year to. All the caution ten grand more well we'll find a way to pay for that they understand other games boy speaking of colleges there is a new York College. That has a 100%. Job placement rate and charges zero tuition. But like everything there's a catch. It's it's not that bad but none of the world it narrows it down at the terms of what your interest might be. The one catch is that all students have the double major in naval architecture. And marine engineering to two classes I know Barry you and I east yes first. Along with French yeah. French you don't take in that in that particular college. But the other school enjoys a 100% job placement rate with other small school. You imagine what a mass America but about visiting all smaller version obviously. With students largely finding work in the maritime industry but also an engineering field and in full. But that was actually. It's a it's I think 95 kids in the costs and Glen Cove New York. So the New York Islanders are not moving. To Hartford Connecticut bad news for way other fans if you remember the whales left in 96 and he says that 96 yet the whalers you know I remember watching winter's games with the with the Boston whalers pointing at the garden a member Earl Wheeler bruins' playoff op and he were. 95. To 595. Stricter yes. Yeah I mean and immutable whalers had such a strong basics to have a strong base support. Why don't we are fans wearing Carolina hurricane jerseys that's where they went out it. People at Hartford still root for the Carolina Hurricanes because that's their team. You'll see that at the garden of in Hartford made a long shot play at the out for the islanders excel Centre with a proposal. I was an event just moved into that Rankin broke Brooklyn but he that it you know there's like three years it's the most in a separate environment because your important personally give a Long Island City. If fans that their their bases and Long Island. And fans are ranger fans got a team moved to Dorchester. It's yet you don't either for the Bruins anymore right now I root for the islanders. Like it they just have never had a base of support. But when it's not exactly hockey maven to begin with. And the hardy injured but the big problem is the rink or the facility they're playing it was really built for basketball so now the talk about moving again. To Belmont park the team islanders wanted to build and finance the stadium at the Rhone expansion in the neighborhood of Belmont park. You know cancer is actually 97. I guess. They act coming up we're talking about fertility clinics you know how much it cost for fertility it's like the number is staggering. Again it's standard price to for a woman. To go to fertility clinic he's 21. Were to talk about there's a new business model for fertility clinics. A baby or your money. Or a baby or your money back it says a deal Tucker where if your wife can't get pregnant. You pay the money in it and if she doesn't get pregnant after going with fertility clinic get a refund here. Anyway that's already talked about with Ron Lieber from the New York Times that's next march or match dot Thompson's. Strong. Bringing you the best in the business and financial news every day. This is the financial exchange radio network. As we age the state claiming an asset protection become a Paramount importance to maintaining a happy and successful lifestyle many famously go through this process think about transferring their home to their children to protect it from a nursing home if you're not careful a nursing home stay can judge your financial well being and transferring property isn't always the best solution because you're looking at huge capital gains taxes when the home sold if you find yourself in the similar position in the meantime let's he's brand new guide to the risks and rewards of real estate ownership. A senior partner with Cushing and dole and Tom will break it down for you piece by piece and in turn will help you avoid probate and unnecessary taxes called today for your free guide at 8668485699. That's 8668485699. Don't put your home at risk keep it away from your children's creditors and keep it safe from the nursing home call 8668485699. Or log on to legal exchange showed dot com right now to download your free copy instantly that's legal exchange show dot com. Your financial strategy has to include a thoughtful insurance plan insurance exists to protect your assets. Our friends at the insurer manager agency can prepare personalized plan that gets you the best coverage of the best price call insure a match at 84499. Match let's before for 99 match many of our listeners don't know home and one or two cars if that describes you you're the perfect candidate for free consultation to make sure your property and family are safe and properly covered walls of the get all the discounts preferred customers like you can qualify for call insure a match to compare multiple rates in carriers -- 844 and 99 match let's 8449. B nine match insure a match works with the leading carriers in the industry Mike Rabelo Plymouth rock and more. There relations for all types of insurance and continued time stress the money we've just one phone call and one relationship. Call today 844 and 99 match or go online and ensure a match dived. Many of us are always thinking about securely retiring while leaving a good legacy not everyone can do this but we are fortunate to live in New England what technology improves and costs have come down solar incentives seem almost too good to be true yet if you talk to alternative energy clients they're thrilled with having no electric bill summary been driving their electric cars with three power from the sun. Imagine free solar power creating our own clean renewable energy while leaving a better world for our children and grandchildren solar is an ideal retirement plan you take the state and federal tax income credits now when your high income years then enjoy high returns for the next twenty to thirty years don't put off investigating solar. The returns could be incredible Hulk alternate energy right now at 8559120115. That's 8559120115. For a free expert solar analysis alternate energy has been serving new englanders for forty years call them today at 8559120115. Or visit them online at 800 DC solar dot com. Hi this is very Armstrong and I'm here to tell you about a new dental product that will make your next visit to the -- much more enjoyable -- on its dental jail is revolutionizing the dental industry a recent double blind study at UC Irvine found that -- -- -- removes -- two and a half times better than the leading toothpaste for treating gingivitis once you start brushing with Libby -- you'll never go back to regular toothpaste Leon X contains a powerful anti oxidant that -- your teeth and gums healthy and it's safe for people of all ages I started brushing with -- -- twice today and my dentist told me he can already see the difference protect your oral health today by ordering Olivia on X -- now call 8559120300. Or order online at best dental jailed dot com you mining Berry and you'll get a 10% discount off your first purchase call 8559120300. Or visit best dental -- dot com to place your order that's best dental -- dot com. The financial exchanges low. Bond FaceBook so make sure like your page and watched you guys break down the latest on the markets every day beginning at ten on the financial exchange radio network. Who do you think will win the French election on May seventh that is our poll question today in 58% of you think it will be Marine Le Pen. And 41%. Think it will be Emanuel McCraw. You may participate in our poll by going to financial exchange showed dot com. And cast your vote as to who do you think we in the French elections will be held on May seventh. Fate of the furious again cruises to the number one slot in terms. Box office receipts this past week and it wasn't exactly robust weekend at the box office Barry. Eight of the furious is number one. Even though was down 61%. From its debut it's still manage through it remain number one. And of love unforgettable. The thriller. In the historical drama the promus. But I I would say less than its spectacular weekend Saturday it was a good day go to the movies letters. But yet you know and I don't think the selections really turned people on hold and the people want us defeated the furious pretty much when we number one. Things have dropped off we number two and they're still number one can do better internationally they do domestically. Yeah and Disney's animal documentary born in China opened in fourth place but just five point one million that's small. Be glad you don't work at Becton Dickinson. War CR Bard. Becton Dickinson is buying steel bar and I guess yep stock options CR part your happiness and your stock is up let me see 51 dollars today. Or your broker called youth I think you might wanna buy this couple days ago you'd make about 25% overnight. A Bard makes a catheters to an implantable. Implantable heart devices. A three point seven billion in sales last year and it's pretty hot. Area and a nice deal there with Becton Dickinson acquiring CR board twenty work. Billion dollars. They're located right next to each other I've got to believe that consolidated into one home office. They're saying what 300 million a year in savings there you go so you've reported quarter's one building has some big savings right now you don't need to legal departments know. And so efficiently they're so good deal right there. And the US oil rig count rises by five. Very little impact on pricing very price and the prices came down although they we should say they are out today. But not that much and on a day when they probably should be up a little bit more bigger issue here. Really looking forward as the whole for stronger demand rather than the other re pumping up by five or down by five what that's what the oil market needs right now. Is a nice improvement global map car then settled down economies get better people drive more use more energy. And were kind of wait and that happens hasn't really happened in the big way yet Nash nation's gas rig count rose five to 167. Again heading in the right direction but that we seem to be stock at a trading range in terms of the actual price of the ball good news for those of us. All of us who buy gasoline at the ball the doesn't seem to go much of anywhere you know 230 to 35. Is we're gonna sell them right now and what's that your. Connecticut housing Connecticut over the weekend. 257 while that's a big tax and all that you name attacks Connecticut's number one in particular their net income tax sales tax. Property tax Connecticut loves the tax misses again your big difference in in oil prices again prices at the pump is always going to be. What is the state and local tax and in in Connecticut it's huge it's big in Massachusetts two bit nowhere near Connecticut Connecticut's a leader yet. General Electric still weighed by energy. Boost their profit amid cost cutting plan Jeff Kimmel has been the CEO. Of GE since nine elevenths at any tempo would. He did and CEO you know when we talk about why you need to be careful. Buying the companies that everybody loves that are doing well and we know we'll continue to do well they don't. I think by examples of like general electorate and Cisco. Which in the last ten years have done quite well. But that prices were so expensive. At about the time Jeff Immelt took over. GE is a nice company you know 1520 times earnings. Was trading for over sixty times earnings with in the optical so they've spent the whole time the last decade. Trying to catch up to their stock. Yes even though the stock is that while I was actually surprised very through the reaction General Electric paper nice numbers. They beat on earnings. I believe that Beatles when revenues they gave pretty good guidance but Wall Street is not impressed with organic growth. In the big concern again here goes back to Entergy. GE is a big commitment to energy and energy prices don't pick up as can be a big big. Risk for General Electric going forward was that may tell used in energy prices aren't thinking yeah right ate the least that way people are investing their money no question when he don't think energy prices are gonna. And hopefully you know their ads on the self which uniforms will help book bolster demand. Their products go with what we're gonna cheer for GE now because they're based out of Boston there Boston. So what's called a local company GE. Still weighed by energy and energy concerns how much longer Jeffs days it's Il. You know there's there's a movement right now among some large investors who owns hedge funds exactly. To maybe hasten that departure. And a lot of it has to do again with that stock price. Jeff has tried to turn around. A massive ship. And I think and I I have owned General Electric stock often on. I think that a pretty darn good job given to him he was built. And a lot of hedge funds to losing patience or something to keep an eye on local story is viewed as we go forward we're playing trivia today they. On the John Hancock Tower. Trivia is brought you by alternate energy investing in solar energy can save you thousands of dollars on your electric bill and those dividends are not taxable. If you thought about installing solar and you're home or business call alternate energy. For free estimate and learn how solar and work for you. Call 8559120115. In set up your free no obligation consultation today. That's 8559120115. For how much money did Boston properties purchase the John Hancock Tower. In 2010. Are tech's number 68681. Listener with her cancer went to 25 dollar gas card. For how much money. Did Boston properties. Purchase the John Hancock Tower in 2010 and I can't call it. John Hancock Tower did that but you but you will and I will to and so a lot of of people and we'll call the Sears Tower and we'll call the Sears Tower just the way we. Which I'm sure seniors and Hancock really appreciate yeah. They're gonna get free advertising for a long time without pay and port. How entrepreneurs. Can use ironies. To finance start up companies now I have I. And I I elected with a cave I didn't know about this that you can use your individual retirement account to start a company. I knew that buyout they want thank you better be real careful yeah. And there's a lot of ways you can use your IRAs that might open your eyes including buying investment realist and yes I did know that in you know buying stuff you wanna rent out. There's a lot of liquidity there but it comes with a 1001 strings attached. Consult your financial advisor before you even think of doing this I know I would talk to your town. And you're content absolutely because you get yourself in a whole heap of trouble if you do this the wrong way remember. The government doesn't want you. Losing this money because this is your retirement so they make it very difficult to do this which I think is actually good thing you know they gets the let's say you have a great idea. That you you've got. Over in your mind you you're united you've thought of FaceBook right in the only source of capital you have. If you're hiring yup. You can do it it's the the robs. RO BS's the acronym Ford. And you can use your retirement account money to start a company. And lot of people are doing it simply because. You know what you're doing startup it's like you go to the bank it's they would like to borrow half a million bucks right. What I would say don't go and ask it to not gonna give it but if you think you're doing this it's a small amount of money you're talking about. You're better off just busting your diary and paying the tax because if it's a small amount of money and the fees associated with this will be more than the tact she would today. If you took it out insurer match back up. You've got a barrier and stronger. Financial exchange. It sure looked financial exchange radio network. Your dream home is within reach with a Jumbo mortgage loan from leader bank they're Jumbo loan program designed for financing in excess of 500000 dollars offers fixed or variable rates for both purchases and refinance this all originations are managed by a leader bank's local underwriting and processing teams for additional cost information call 8776917900. That's 8776917900. Or visit leader bank dot com member FDIC equal housing lender and the lowest number 44950. Subject current approval meter back a step ahead. 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A step ahead as we age the state claiming an asset protection become a Paramount importance to maintaining a happy and successful lifestyle many families who go through this process think about transferring their home to their children to protect it from a nursing home if you're not careful a nursing home stay can judge your financial wellbeing and transferring property isn't always the best solution because you're looking at huge capital gains taxes when the home sold if you find yourself in a similar position the need to unless he's brand new guide to the risks and rewards of real estate ownership. A senior partner with Cushing and dole and Tom will break it down for you piece by piece and in turn will help you avoid probate and unnecessary taxes called today for your free guide at 8668485699. That's 8668485699. Don't put your home at risk keep it away from your children's creditors and keep it safe from the nursing home call 8668485699. Or log on illegal exchange showed dot com right now to download your free copy instantly that's legal exchange show dot com. According to consumer reports 21% of mutual funds have raised their expenses over the last five years do you know what you're paying for your mutual funds to understand the difference between the the ongoing yearly fees and the transaction fees the costs of mutual funds eating into your returns and they are one of the reasons why some funds end up with sub par performance hi this is very Armstrong just because a mutual fund has a higher expense does not mean you'll get a higher return my firm the Armstrong advisory group has written a free guide to help you make sense of these these so call now 803934001. And get your copy today understand the true cost of your investments call 803934001. Or download the guide right now at financial exchange showed dot com. Securities offered to securities America incorporated member finreg SIPC and advisory services offered to securities America advisors incorporated Barry Armstrong representative Armstrong advisory group the securities America companies are unaffiliated. Barry and chuck have the latest every day beginning at ten only here on the financial exchange radio network. Current owners Boston properties purchased the John Hancock Tower for 930. Million dollars in the year 2010. The buildings official name changed to 200 Clarendon street in Tony if he would terrible made it which at least three or four people call it the fifth. Jennifer from sandwich however answered that question correctly and and she will get a shell gas card and treats they brought you by alternate energy investing in solar energy can save you thousands of dollars in your electric bill. In those dividends are not taxable. He thought about installing solar Rick your home or business call alternate energy for free estimate learn how solar can work for you. Call 8559120115. And setup your free no obligation consult consultation today it's 855. 912. 0115. Our listeners are predicting a marine Le pan victory. During the French elections on May seventh 58%. Now. Suggesting that Marine Le Pen will win 42%. Are betting that in annual MacWorld when you can participate in our poll question by going to financial exchange show. Dot com. And cast your vote as to who you think we. Cheaper mortgages could spur the housing market I don't know how could get much hotter. Well yes it the housing market is red hot right now because there's there's just very few houses for sale of lots of people willing to buy. Real shortage on the supply side. She combine those tight supplies with what psychological benefit of under 4% when you're the headline is three point 97. For a thirty year fixed mortgage. Actions you still hearing tight supplies like it in your communities the supplies that I am seeing anecdotal evidence of some and I've never seen before I you know. We can't just think it's like we can cried wolf. The real estate industries are always telling an ocean but I'm Obama and there's never I never been a bad time to buy Tucker realtor every day since it done about it and probably like you guys they're getting called on because actually. There is this an unprecedented environment where. There are just a lot more buyers than there are sellers and bury my lifetime my advice is always been. Sell your house first before you buy when you wanna move to. This is the first time in my life for I think that's actually a risky strategy because there's lots of people who wanna buy your house. If you wanna move to you may not yet that's where the market. And that's simply because of a dearth of supply I find this ironic because I remember specifically. One of the top questions I would receive from listeners and clients and back in 2009. And would be a wanna sell my house. I can't get enough money for my attitude by. Message to them listen hosted. Wait until 2014. To 2016. And I think you'll be rewarded and they were. The yup I'm talking about elderly people who just found it difficult to maintain that property and said if he can hang in there in week 214 to sixteen. Little did I know that you would have been even hotter market in seventeen in this not show any signs. Of slowing down at all no end in this so many factors that are going into creating this situation which some Michael bubble but it's based on real life economic. One of them is that based on that when you're talking about when things were so tough. Lots of people in the construction business gave up the business they got out of it and started new career. They are out of the construction business and I think that's that's not talked about. If we are in need baby boomer re modeling cycle here likes of which we have never seen before HGTV. Beats CNN. It is now one national pastime that speak well of HGT gonna hear that anybody that's a whole other issue but. The bottomless it is legitimate past time that we have the entire networks making a fortune addressing. And why these construction workers who were still left doing their job are making lots of money doing these dream projects. On top of that tight permitting and an inability to get away and you need. We just have a real supply demand imbalance right now and that's working in favor sellers and very much against buyers. Foreign and cities now hold almost 29%. Of US corporate bonds. In to put that in perspective foreign entities. In 1990. Only yield 12% if you score on every single wonderful Frenchman mean to us why should I care proper exit the French vote. Because of the fact that there's been turmoil in Europe. And the rest of the world and as much as we complain about the United States we've been like the good place to be. The rest of the world has nowhere to put their money because they're all in this below 0% environment. Has resulted in some foreign capital coming to the United States buying United States domestic corporate debt. Now return to normal we might see interest rates here from a little bit. As people in France and by French company that people in England and by English company. So this is why foreigners in the last couple years elect we don't want investor money minus 1%. They've all come here. You wanna quickly mentioned that this is the last week where he can call and receive the guide. As it relates to the hidden costs of mutual funds Armstrong advisory group for the month of April. Is really making it tell all guide available to you our listeners. About mutual funds need you mailed them and you may have an in your 401K plan or maybe you inherited some from your grandmother. If you own a mutual fund you need to call and receive this guy the phone number stole for you it's 800. 393400. When you can download the guide. By going to financial exchange showed dot com just go and request the guide on that website financial exchange showed dot com. Or if you wanna call and have a conversation call 800. 3934001. Securities offered to securities America incorporated member finreg SIPC and advisory services offered through securities America advisors incorporated Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated. John used mobile payments at all do not like I downloaded them on my app I use. Mobile before boarding passes I used by a guy who do like shopping online. But it I tried to use my mobile payment system last week and went to the hardware store. That'll need to buy something hard worst and I didn't in my water all I had was Michael apparently didn't take. What we're finding out that very even young hip Americans aren't using their is suggesting that I'm not gotten that what. It's okay if you are as negative equity OK even younger and I got a I gotta get this. Make me younger but it doesn't. Even younger and hipper than barrier you know it's hard to imagine people both younger and hipper than bury but. Even they are using only 14% millennial regularly use the banks mobile apps. And only in 35% say they never use and I. I think I'd be curious what Tucker thinks about this. I think this is kind of need that doesn't really exist I think that habit and ease of using a debit card or credit card. I ain't that big burden exactly I mean what's so difficult about using your debit or credit card. You hourly swipe or insert that's like too much work no it's not the work it's the carrying of the wall. And that's what I would like to get away for a you know the but the problem is yet pulled over by cotton right you can't just give your full commercial driver's license yet are you after you start to have. Your driver's license. Ease some people still use. God he's actually I use cash and you know and you know. I I. Try not to use for. I still have to actually I think you've identified the issue the issue is you still have to have a Wal-Mart and Wright wasn't a need for a wallet we would all wind happens. So we will work on my full and I actually I always my wallet I usually have my phone. So yeah I think this is the situation with the technology. Has won a little bit the head of the actual need to have only use apple pay a handful of times and I haven't even re upped it yet because they had a new Democrat I'm just too lazy to reopen IA CP and has not yet I see people at whole foods using it and I using Shaw's yesterday. And I saw a couple of people using it shocked us. I think it's more cool thing miniatures like ought to wait more convenient than a debit or credit card swipe. I would actually find it like going through the app may be a New York. I like going to the app would require more work. Just grabbing a debit card. Now I it is not a big difference but I think about it that. Wouldn't you like to get rid of hold wall. The big eater well wallets story for me if there was a way for you license on a farm. Eight. Without a wall I would be very happy because just one more thing here what would John I think I was gonna say username and have to like open your phone and go to the app with the iPhone if you have enabled the touch ID oh yes your fingerprint yup. It's senses that you're near one of the apple Paisley editors and fingerprint and that goes right through without opening your phone that you cannot be in there hear it don't worry a little bit about the security and the like on my wall grab my my debit card and I know what's happening. I see your security on any mobile app has brought more yogurt its more secure. Logan measure physically have your card and you never know I think as it will look at to a point where people generally use this. I just think it's been slow to adapt and and I actually surprised at how slow would have been oh they ought to be adopted because they've invested a lot of money yet and on my friends used by the way they don't help never and they're both young and have. Yes you know we use got an answer you know he's an old time. Hourly my dad he's in the seventies and he uses it all the that he feels the same way about Kerry walls provide real. Easy does the external he's hip. He says he's been through where does not yet you're you're with a lot of people want very yeah that evidently evidently UN your dad that hip. Speaking of hip we're going to be joined in the next segment by Tim Stevens from the CNET road show. Talking about the 2017. Toyota prime which I believe is their plug in vehicle the nefarious crime the Prius prime excuse me. The they've had a Prius for many years. But now they have one. That is they plug in a they've had a plug in Prius for probably five years but it wasn't very good evidently the Prius prime plug in is better. Last Tim Stephens about that when we return from our insurer match dot constant. Stroke. Bringing you the best in business and financial news every day. This is the financial exchange radio network. It's not too late to get a great raid on a whole mortgage leader bank specializes in a wide variety of purchases and refinance loans at some of the most competitive rates in New England a dedicated loan officer will work with you every step of the way and their local decision making music faster closing call 8776917900. That's 8776917900. Or visit leader bank dot com. Minarets PSE equal housing lender stimulus number 449250. Subjective credit approval leader bank a step ahead. Many of us are always thinking about securely retiring while leaving a good legacy not everyone can do this but we are fortunate to live in New England what technology improves and costs should come down solar incentives seem almost too good to be true yet if you talk to alternative energy clients they're thrilled with having no electric bill summary been driving their electric cars with free power from the sun now imagine free solar power creating our own clean renewable energy while leaving a better world for our children and grandchildren solar is an ideal retirement plan you think the state and federal tax income credits now when your high income years then enjoy high returns for the next twenty to thirty years don't put off investigating solar. The returns could be incredible call alternate energy right now at 8559120115. That's 8559120115. For a free experts solar analysis alternate energy has been serving new englanders for forty years call them today at 8559120115. Or visit them online at 800 DC solar dot com. Hi this is very Armstrong and I'm here to tell you about a new dental product that will make your next visit to the dentist much more enjoyable -- on its -- jail is revolutionizing. The dental industry a recent double blind study at UC Irvine found that Libya on actual removes -- two and a half times better than the leading toothpaste for treating gingivitis once you start brushing with -- -- you'll never go back to regular toothpaste Leon X contains a powerful anti oxidant that make your teeth and gums healthy and it's safe for people of all ages I started brushing with Libya on -- twice today in my dentist told me he can already see the difference protect your oral health today by ordering Olivia on X -- now call 8559120300. Or order online at best dental jailed dot com -- mining buried and you get a 10% discount off your first purchase call 8559120300. Or visit best dental gel dot com to place your order that's best dental -- dot com. Your financial strategy has to include a thoughtful insurance plan insurance exists to protect your assets. Our friends at the insurer mention agency can prepare personalized plan that gets you the best coverage at the best price call insure a match at 84499. Match let's before for 99 match many of our listeners don't know home and one or two cars if that describes you you're the perfect candidate for free consultation to make sure your property and family are safe and properly covered we'll also dig out all the discounts preferred customers like you can qualify for call insure a match to compare multiple -- and carriers and 844 and 99 match let's 8449. B nine match insure a match works with the leading carriers in the industry like your bella Plymouth rock and more their license for all types of insurance and continued time stress the money with just one phone call and one relationship. Call today 844 and 99 match or go online and ensure a match dot com. Security suffered two securities America each member finreg SIPC and advisory services arbiters securities America advisors think carry ons from representative Armstrong advisory group in the securities America companies are unaffiliated. On top of breaking financial news and becoming a member of the diaries brigade mug on the financial exchange dot com and sign up today. Every Monday we review eight vehicle. And we're joined by Tim Stevens from the CNET road show to talk about the 2017. Toyota. Prius crime. I Tim how aria. I'm doing great area of good good so get that this is a plug in hybrid for Toyota cracked. Right there's been no prolonged on the Prius which is just the standard hybrid which is something that you can template in the wall but they did have a William burden on the left Prius now they've got a new one called the create crime idol do about 25 miles of all electric range. Before turning on the the gasoline motor inside the vehicle and in charge it overnight gains you know between miles W 54 miles per gallon on zone to be duplicated and then if you take advantage of that auction on the get upwards of 130 re melt down equivalent. I began what are they charging that. Starting price of about 24000 dollars going and so it struck at about quite 500 dollars more. And in the based Prius which does not have this extra functionality if we over the big creepy that much bigger battery pack which is more let in the trunk of the car race but employers in the truck and on. Any tax credits are they sold to many Prius has to be eligible. Note that the Greek prime it still eligible to the pre open not get too much these days most states anyway you obviously can get certain state they've rebate through new York and you get about 15100 arms back and preach on. I'd Penn State but they were to get it would not be able to open the whole sort of and our. Federal I would question here that that the big issue here is the batteries first all wonder you know. How reliable is this based on the battery technology and ocean is the batteries do and quite a bit awaits this vehicle. They do that a couple hundred pounds of weight and it's all pretty much behind the rear axle which is not really where you wanna come handling standpoint so it does make a car field the more ponderous but again the appropriate who's not exactly cause the most people would equate would be ailing anyway. But the battery technology LaToya has been making harbors or longer than just and built market at this point that's a lot of experience when it comes to getting the chemistry right make sure that it's a mimic do you was. Hot temperatures down south colder temperatures of north. You will see a reduction in the past the end very very cold weather or burger hot weather usually about and that 1% like that on give these batteries we've been pretty impressed even older Prius is. To run pretty well. Would you how compare this to the Chevy Volt. They tested the compare quit while the poll though does have a longer range you can get upwards of thirty to 35 miles on the on the chart and Chevy Volt and the ball got actually nicer interior and they put payment system and then than the the creek on this and I was what are her biggest complaint with this car it's got just. Bit too much going on with the became assistant kind of busy. Well that argues that the big screen which had that problem certainly but it actually were a lot light which makes it pretty distracting and use and the daylight. Not visible those old little more Carla the less room inside out so that the crime would deal them. Also one thing I notices that that the complaint against the Prius back in the old days when we first came out was as a pretty unattractive. Looking vehicle and it strikes me down correct liberal but the one of the better looking vehicles in that category. Well I think that actually pretty controversial viewpoint but I think it's still a little bit and not okay. When that would make it. The new prime let him in the new Prius last year that was very very aggressively belt on the product if it looks quite nice compared to be the prefix in L last year. A they didn't change the dosage in detail from the cubicle that works into that I did it looks pretty good. On the it is very distinctive in Dubai to look in Orange pre so that I have been down or been over the past couple of years. And we're wondering because people don't really want Karl looks quite as aggressive as physically stop. What day and I they sell on any of these this year the Prius primes are again any sales numbers you know. They've just god feel within the past few months so they're just now certainly have available we don't have any field figures at this point for the crime itself but I bet we're very eager to see how this stacks up. I'm vs the the current Prius get only about a 500 dollar difference about it not a big deal no but but it doesn't add depth or bit of weight and and it takes away from the George is back to its I'm curious to see what what percentage of people go without and pay all the extra. Luke wield the convenient but it potential heal up all Auburn amount of car. See these big category expand based on the lower prices are imagine of these prices coming down this point we've got to be looking at the larger market for this car. But this this is not into that category. We that we are. ADV in general aren't going to expand but these plug in hybrids are really nice sweet spot right now to kind of get your toe in the water you may be you be used Greg creed on the road but without having to make the commitment of hadn't caught that maybe is under to amounts range. Good to have the flexibility of maybe being able to get to work and back without having to burn any gasoline at all. He'll be at the same drive us in car on road trip if you want to vanity. Where about getting it second car is really a great spot right now and I've got prices are probably going to continue to go up over the next year to. I think it's a bit it would have been looking to seek and. Does it does it have a smaller gas tank. Further though annoys me is that the between us and the overall reign to achieve greater than that and the Cypriot thanked the extra mile and yet everything else basically we're what you lose that was the car look past the in the trunks that that the trunk floor that you old higher than that on him. That's the difference look at night with thank you very much and we appreciate it. Would a portrait it's Ted Stevens from the CNET road show breaking down the Toyota. Prius prime now understand the regular Prius is not a plug this is a car that you would get home from work right you plug it in you plug it into regular electricity. You don't evidence it's a little bit more work yep and that's the advantage of the standard hybrid. Is this pretty much a no brainer in terms of what you need to do well it is the year that bit the with the plug in your buying gets less gas less frequent great point and and the difference is very substantial. We were talking like 133 triple figures verses what fifty usage. So we're talking more than double. Well and you in you know you're using your gas model engines Jeter so you don't have to have your oil changed as frequently wonder what that does to your hero electric bill low blood goes. You liked it and make sure we I mean it's it's it's still cheaper than gasoline needed to buy the electricity. But not not only was when gas trade for pucks ago and you're right and and that spread is is is very interesting to point out because it's over a dollar a gallon equivalents yes I think of what you're paying for the actual electricity rates at about sixty yeah so when you're at 230 forget you for gasoline and you don't buy one of these car economic reasons known if you bike as you like driving electric. For economic reasons high mileage gas vehicle right now is very very cheap yes. Dow is still up folks the Dow Jones Industrial Average is up a 195. Points in nasdaq's up 61 points. John Mooney was filling in today for trucks not a Tucker Silva at the Helm. My name's Barry Armstrong and we've been broadcasting from our insurer match dot com Steve.