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Full Show 9-21-18

Sep 21, 2018|

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

This is the financial exchange with Barry Armstrong and 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. Good morning on this hour Friday September 21. Got today exciting. My stories cover I mean first and foremost stock market indices hitting all time highs and cover. What's really pushing that that can be joined by some some good guests today so why Ted Ross Mann from credit cards dot com. Is talking to us or browse the brand new rules regarding credit card freezes they're free starting tomorrow. Also be joined by some from CNET talk about all the new Amazon products that were pushed out just yesterday fifteen new. Amazon home products and I scratch my head and wonder why were using a few of these but nonetheless we join back some of Xena to walk us through all of those. And see you know what's really gonna stick in what might not. But first things first we got talk about the markets died down our recipe both hitting indeed. New all time highs and really pushed this year. Arguably could say about tech sector but really is the consumer discretionary sector to really pushing things higher and higher this year. And you look at the companies I guess that it's not surprised when you have periods of news like this where it's all about discretionary spending that's the sect of the tends to perform and one of the companies that are really moving this year. Well it's an interesting list as you look at Mike and you know it's it is definitely consumer companies advanced auto parts. That Kraft times Goodyear whirlpool but you know a couple of these companies are listing your Netflix. Amazon you know the same companies that are driving the overall you know dal headed towards 27000. Everything headed towards record highs so it's it's pretty broad based but you know. People have more money the feel like spending and that's shown up in the stock market. Yeah and again it's typical of what we see in these periods. Of you might be able to argue a late bull market where we really start seeing spending coming in and really really ramping things up here. So through September 19 of this year in the different sectors and how to perform the consumer discretionary sector. This year up nineteen point 4% year to date. Over the last ten years of 352%. Information technology close behind at eighteen point 6% so far this year and health care up fourteen point 3%. On the low end of this the consumer staples sector down two point 7%. And you know consumer discretionary consumer staple you know how many things really our discretion you know tires are they. Discretionary you're the staples. And you admittedly you know some of these are kind of brought you know years going across two different sectors right. Netflix and Amazon a lot of people look at them as a technology company I do at least they want their categories as consumer discretion. Certainly if you look at where the prophet of the Amazon is coming from huge amount of that is coming out of the all it was on cloud computing sector you know that really would strive in the bottom line there so. It's definitely you know it's an interesting. Bliss to look through. I think at the end of the day it's gut it's limitations and you know it sooner or later and sort of those. Consumer staples stocks you know there will be sort of that flight to quality and you know Colgate-Palmolive. And the things the answer to can't get through via. Kick it through week without buying and that ultimately will also we're down to Amazon's benefit as well. Yeah that I found it actually attend mass consumer stocks this year. In terms of performance. Through a couple days ago Netflix up 91% Advance Auto Parts chipotle Amazon. Kohl's trip advisor Macy's TJX. Discovery and O'Reilly Automotive some of them on the list you know at Macy's AM wouldn't necessarily thought Amy's is gonna have a great 2018 based on what we've seen in the last few years but I think we're really. Really finally seeing if fairies strong consumer spending and at Macy's also go badly oversold liquor getting you know said this to me she's got shooters minute. Turned out that it's Burnett ten to zero people not dead at Macy's it's not dead he's not it's not Sears. With the these auto parts like. What's up with that I don't I'm not sure what just what is going on with so much the Advance Auto Parts no rather automotive having such strong strong years. Especially I would I would think that they're facing some increased cost you to terrorists or so a little bit. Confusing their but then again we have had several years of record setting auto sales. And it's a pay somewhere to get those things that's. Yeah no I had to buy a new quorum for my card music. Does that one of those times horn is it that you wore white union new porn ever it was one of those days we had that flooding rain though I was driving Dan roots exe in the cave I was like Tuesday and rain in the M. And of the water comes splashing up and turns out of my little Ford Fiesta. The Warren is basically behind the headlights hit it down low now it's the thing that totaled two goes wow. It's up. I'd recommend pests and sounds like a drowning dogs to death itself but then you know the other I think about this is. He can't do anything with a cart anymore you know when I blew was your guys age you know people used to. Like fix cars on the weekends a fun thing to do. And I opened up and I looked at a missile computers connected. Take it someplace in pace and the 200 dollars to install like 41 dollar. New for porn actor please support appears early and I've never heard of replacing worn. Hated years forty miles an answer please weren't too much club or. If you items with the political point venison flavored ones yeah yeah. That was in the cheap effects. Crazy deal going on Syria we've been following the this guy. The British TV network. Acquisition for awhile and fox and Comcast have been beating over this four months now it's finally coming to ahead. We're finally gonna have a resolution on this there is going to be an auction. Force guy which. As far as you know corporate takeovers go auctions are pretty common. But not when we're talking about a 35 billion dollar companies doesn't usually happen with 35 billion dollar companies. What and I never heard this thing before today the United Kingdom has something called a takeover panel. The gospel to take out panels think it makes it who will win. And it's but you know it's say it's a fantastic property to owning you know we. Here in America we get. Generally speaking very good cable systems. And you know sky TV. Really no appreciation just how huge it is all across borders in Macedonia are. I have been not only. There they have a lot of assets in Australia New Zealand as well. Huge huge network and you know for either winner Comcast or fox they're going to have a lot of that year and particular particularly you know Disney's being the new owner of the fox assets. Beard trying to make huge pushed compete with Netflix this could be you know give him a lot more content push out. But again it's happening very strange ways the bidding starts tonight and it's gonna wrap up tomorrow. And they can each placed three bids. Each have turns to place bids in can raises bids but it's all it's going to be concluded died tomorrow evening at this. It never happens that you have a deal like this being being done this option. Very public at the organized. And open process. They're street will like you know watching hockey program. Yeah and a little bit. So we should have an answer by a mob Monday when we come out who's who and you walk away with these assets. It again huge deal rather than it's going to be. I mean the current bids already are up over thirty aliens so. You can expect the steals and I would guess closed between 3540. Said on. And the number wishing to pull up at the snap of the fingers comic debt is Comcast have now and it's gonna be over a hundred billion dollars and preamble and another. If they win another 35 you know potentially forty billion down on top of that yeah. Pretty inched. So. Speaking of more going on internationally. Wal-Mart it turned out a few weeks ago wrote a letter to trump administration this was before the new tariffs went in against China saying hey. If this goes into place expect our prices to go up and this is significant. Because it's not just any old retailer coming out and saying. They were have to raise prices it's Wal-Mart and as we all know Wal-Mart is EU. Largest retailer in the world. This is this is significant though. Lot of truck motor shop at Wal-Mart. The interesting thing as I look at history so this liggett's sent two weeks ago yeah two Trevor presented reverently Kaiser. Typically if you're Wal-Mart knew similarly that. You're hoping that it leaks and it looks to me like it didn't we know and somebody forced it to leak. God because you know they wanna when the prices start going up and wanna be able to say not our fault if we present product. It should be surprised. If you're going into Wal-Mart I mean take a look at where anything new buyers in other than maybe the bananas that you buy at Wal-Mart pretty much everything you pick up there's going to be made in China so we shouldn't be surprised that these terrorists are gonna hit Wal-Mart consumers. They're one of many companies that are in Yemen that I think we could see the scenario my wife calls Wal-Mart the crap from China store. Terror yet. We are. All adults and the ocean state job to. So yeah I mean and we're going to see increased prices we've known that we're starting to see that across the board this 200 billion dollar round of new tariffs is going to start impacting you know much more common items rather than just steel aluminum prices which you and nine. Didn't starts the actors were not running steel factory haven't seen it Roland the price cards yet this one. I think we're gonna retreat start seeing gas grills bicycles. Christmas lights. As examples of things you'll start paying more for. So outraged a quick break when we come back we are going to talk about what's going on in the Merrimack Valley how the recovery is going to be a lot of people still without passed away that gas still without power still not back in their homes. Stay tuned here financial exchange radio network. We wanna hear from you. Tech Steward Barry's 263566. And let us know what you think about the stories we discuss your team to the financial exchange radio live. Work hi this is very Armstrong I founded the Armstrong advisory group in 2004. And my number one goal has always been to preserve and protect the assets of my clients so I'm here to give you some free advice finding the right financial advisor is not easy and what do you choose to work with me or not I want to be educated on how to pick the right person for you and your family I've written a brand new guide called the top ten questions you should ask your financial advisor how often can you meet with that and what other fees will they charge you these among others are critical questions that you should have answers to before you decide who to work call my office right now at 803934001. And request a copy of this brand new guide the top ten questions you should ask your financial advisor -- today by calling 803934001. Or download it right now on our web -- Armstrong advisory dot com. Securities offered to securities America incorporated members in SIPC and advisory services are with the securities America advisors incorporated Barry Armstrong represented if Armstrong advisory group the securities America companies are unaffiliated. Are you having problems the blocked sink or drain. What a leaky Foster a shower. These types of minor problems can become big headaches if they're not dealt with quickly and efficiently in believe me. I've had all kinds of trouble trying to get people who can come in and do capable qualified work I talked easy plumbing in their professional punctual and thorough and all the work that they do so if you need a reliable plumber. With fair competitive prices. Coach AZ plumbing. Easy makes it easy they're experts they're knowledgeable they're courteous they will be on time to take care viewer issue and make sure that it doesn't happen again all you have to do is call today in your plumbing problems they're history call easy calming at 781. 862. 1190s that 781. 8621190. Or you can visit them online at easy plumbing MA dot com for more information. Massa master license number 10183. Again the number is 781. 862119. No. Hi everybody it's very Armstrong and Jake two Lian we're talking about a program called Z rent. Now this is specifically. Designed for those of you who are landlords in used to collector checks with paper checks are gosh maybe still do. Was he rent allows you to collect checks electronically. Jail is hoping he could spend a little better time explaining how easy grant works and why it's a big advantage for landlords. Absolutely buried so we we develops the rain to underneath the hole right because right now. You know as the landlord when you're getting rain checks in the mail it's low it's unpredictable. You missing envelope line but mostly waiting you might not get all the rent until the tenth or fifteenth of the month furthermore if your landlord on vacation in your racing your notebooks up to what he does is it really -- sizes though. It makes the ranked electronic payments it allows for roomy cheering for multiple roommates and apartments that's great if you're renting at the college student salute. It's predictable it comes at the same time every month. And it's all on me. So the landlords who have been using assisting huge time savings and ornaments you are you still giving the first six months free for landlords the first six months or free and then in addition to that. If you bank at one of the participating banks he ran is always pre pre. Those participating banks are meter being installed in messed me up at that any bank could sign up right now to keep you at a bank in Vermont to Connecticut. They could sign up and become part is the rent yup you your if you have a community bank that wants to be a member have them call us and haven't sign up and the service will then be free free. All right if you wanna learn more about easy rent. Go to Z rent dot net you give McAuliffe you wanted 8776917900. If your bank doesn't operate they can sign up for zero it go to zero rent dot net or call them whole free. 87769179. Entered. Security suffered two securities America income members finreg SIPC an advisory services arbiters securities America advisors think Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated. Stock tips. Start with the Barry Armstrong and shots not it's the financial exchange on the financial exchange radio network. This segment of the financial exchanges Friday he by the leader banquet beaters Zubov reward accounts. Ernie and absurdly high after streak of 1% cash back. The debit purchases and an extra 10% he's your card featured businesses. Qualify for these in other words call leader bank at 8776917900. That's 8776917900. Customer must be eligible to requirements to receive Zuma awards contact liter bag. For complete details member. FDIC. So Mike our show Peter how to pursue with you today and I mentioned earlier would be joined by story from CNET talk about. All the new products and media yesterday Dan Ackerman Dan Ackerman and she would talk to death protest he's the man now. He's the Ackerman. Knowing tubby got giving him as an Alexa I do yes. Peter you have something that I can not going near how about have all the Smart thermostats. I nest. Exists. That programmable but it's not Smart it's notes that it's mild and Intel I know a few people the the best I've been Nast and I have a Google home. Isn't nesting Amazon related or know that's cool and asked to go to Google. Ring is owned by Amazon but it was under ruled out fifteen new products. And you know I'd really like my best and I I like my best beaches if were away for the weekend. And I've got that he'd sit down Ted you know. The bare minimum temperature keep my cat alive. That I can crank it back up a few hours that's that's what readers cracker weighed down just yeah barely you know for not freeze the pipes and keep the Cadillac brand. Yeah yeah yeah yeah. But that I can crank it up yards and four at home or if I forget to turn off like interred up for me and it's Smart enough to suit the house. And keep its heats up. He's my Google home for. Yeah I mean I bought it all excited about having and he's IE. I haven't used the elect's in a while because they've been out might move around my apartment awhile ago via. Just haven't had a need to plug it back again. Worm living now so it's kind of been sit in my work bag her for nine months or wherever. So a company that can sell me and wants to sell me every single thing that I could ever wanna why. Has a life microphone in my house to listen to be talking all they want for what could possibly go there is doing better at selling stuff that you want Peter. So I wanna know from our listeners that register poll question I don't financial exchange showed dot com. Do you have any Smart home technology products names on echo Google etc. And that includes the nest Smart feel like people skip over that as it is includes a nasty nannies products in your home. And he's Smart lights yep Smart lights any of that stuff log on to Paris exchange show dot com give us your answer and if you don't mind to get to choose a text if you do have them. What he used for you got a Google home what do you what do you use it for now the -- I bought this thing and I just don't use it I listen to music. Yeah I mean that's the biggest thing when I used that I used in the kitchen where it would to me whether. Claiming music and set timers from you Wallace Kirk yeah it was fantastic cut by the and that. I you know I tried to sharpen their and I just didn't think it was a great experience and church improved since I've attempted vote. One Cecily reasons why I used it well go into our onto our website financial exchange showed dot com and simple question but also issued its taxed at 63566. Tell us what you use now for inched ever Texas before by the way text area for the first word. But most via party apps don't choose tax I want to know what you're using you're Smart device for me obviously you know and there's that obvious and Dan on Dan Ackerman cnet's gonna join us in an hour to talk about dom the rate of products Amazon had their fifth what do you efforts towards senior prom yet the biggest Libyan Michael. Which is actually think that's the biggest one I think zona that's Steve. Idol Michael would get what elects a new Mike bacon pretty much break why. We'll get there. Gas service. Up in the Merrimack Valley could take several months to restore which. I guess doesn't surprise me given that there were eighty explosions but. I can you imagine living their right now it's the night. There and you know I really hope that we see. Some day very since I've been like a little one fund after America on bond dep you know that this state. Governor alluded to the possibility of something like this but you know this is situation where everybody should be pitching and I mean I've amended. Two pat myself on the back I shot under backs up to the Essex County community fun if people appeared really need help but it's going to be long. Slog and you know ECB these predictions they may after replace 48. Miles out of gas forty miles of cast iron piping. Had more than 8600 customers could go out with without service. For these two month period 8600. Customers. You know at this point two months we're looking at. Need to him late November. Yeah and it's gets colder regulate November folks. What you would like to see is you know there's some number of people who can be switched over propane. Elderly you know disconnect the gas pipes bring in some trajectory retrofit everything you don't but you know you're gonna get to a situation. Come you know it'll be here sooner than you know. It's literally life or death situation you know does your house stay warm on the coldest night at the end of December. Early January in you know that's coming up we're less than a hundred days to Christmas it. Yes it and it's going to be bearing down on us and I have already seen that there are and that name offer filed a class action lawsuit against Columbia gas Morgan Morgan has been going around trying to sign people for a class action lawsuit which. Of course attorneys are jumping in first thing but I guess that's not to be surprised had a hard time imagining how Columbia gas gets out of this without the masters it's a severe going into bankruptcy or receivership. Yeah I am I worry about that too. We don't know what happened. But it. Yeah a presumably a huge. You pressurization of the system has got to be on the problem you know it's got to be fought the operator it's been very confusing trying to have you know EC bits and pieces you've seen these reports that the pressurization got up to twelve times normal levels right so at that point essentially you've blown up you know you've blown. Polls in the entire distribution system thus he gonna take out. 48 miles and then there's also this reference yesterday to a pressure sensor. In the little hype that have been capped at either end up thus the pressure sensor malfunctioned but it's amazing. To me you know on the back of the space shuttle disaster in the 1980s and by the end of the day. The stock of Morton fire call people may be O rings. Stock have been you know hammered because essentially there sort of crowd sourced wisdom before the day was out people knew why the space shall have blown up then you know here we are. You know. Two weeks in this and we still have no clear explanation of what went on what are all these houses blow up and catch on fire in the Merrimack Valley yeah. It's it's upsetting and give that denies source doctor is still down since the since the event on one September 12 or thirteenth when that happened. Where they lose a billion dollars in market camp. When that you know at this does look to me like a billion dollar disaster yet when you factor in all lawsuits in the damages and now. You know that the cost to rebuild. Either be as sorry it completely change celebrity interview buying new unknowingly you get your Blackberry here. Back in new iPhone. I'm not for my wife probably rule because she's on the iPhone apps. Or take quick break coming up Wall Street watch and taking a look at the new apple iphones. Life goes on FaceBook and followers on Twitter. Show breaking business news is always first right here on the financial exchange radio network. Are you having problems the blocked sink or drain. What a leaky Foster a shower. These types of minor problems can become big headaches if they're not dealt with quickly and efficiently and believe me. I've had all kinds of trouble trying to get people who can come in and do capable. Qualified work I talked easy plumbing in their professional punctual and thorough and all the work that they do so if you need a reliable plumber. With fair competitive prices. All easy plumbing. Easy makes it easy they're experts they're knowledgeable they're courteous they will be on time to take care of your issue and make sure that it doesn't happen again all you have to do is call today in your plumbing problems. They're history call easy plumbing at 781. Eat six to 1190s that 781. 862. 1190. Or you can visit them online at easy plumbing MA dot com for more information Massa master license number 10. 183 again the number is 781. 862119. No. You're -- looking to find an easier way to collect rent payments than you need to hear about leader bank's -- line rent collection product called Z rent it's a great service for landlords allowing them to collect tenant's rent payments electronically and he rent dot net without the need to collect checks mostly in the reduce local neighborhood banks to do their business and now a collection of local banks are offering this unique program including leader bank and stolen bank member FDIC if you're a landlord and are interested in having your bank required dizzy rent technology Obama called this he ran team at 7816418691. That's 7816418691. Or visit Z Rand dot net stop chasing down late payments and running to the bank to make your deposits at your bank to add zero to its list of offerings. Visit C Rand dot net or call 7816418691. For more information that 78164186917816418691. Or zero rent dot net understanding Medicaid eligibility is. Critically important to those of you may be retired or nearing retirement age changes to Medicaid occur almost every year and if you're not up to speed on the latest information you're assets could be at risk if you were your spouse need nursing home care Todd let's keep most of the legal exchange radio show and a partner with the law firm of Cushing and Dolan can help taught as an expert an elder luck and he has a brand new guide of this month we will educate and inform you about Medicaid eligibility this guide among other things discusses various strategies that are available to save your primary home any rental property and even a vacation home if you have one once the nursing home comes calling. The debate over healthcare remains in the news and Medicaid is a huge part of that discussion so take the time right now to call 8668485699. And get your copy of times free guide the 2018 eligibility update that's 8668485699. You can also download by logging onto our website at legal exchange showed dot com 8668485699. Or download it right now that legal exchange showed Don John. Hi this is very Armstrong and if you're a landlord or property manager I'm sure you've heard me talk about Z rent leader banks tremendous on line rent collection program I'm excited to tell you now about their brand new product called Z deposit this is another free program which streamlined the opening of tenant security deposit accounts three totally digital experience with C deposit landlords can open an account online invite tenants to entered their information and manage all their security deposits Z deposit also automate many of the compliance headaches for landlords such as generating account disclosure forms and even send out annual interest payments directly to attendance disk called the Z deposit team to get started at 7816418691. That's 7816418691. Or visit them online at C deposit. Dot net member FDIC leader bank step ahead. Whether you're celebrating a milestone or 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 -- your gold locally it just makes sense of leader bank a call and learn more call 8776917900. Or visit leader bank dot com not a deposit not FDIC insured uninsured by any federal government agency not guaranteed by the bank and may go down in value leader banked a step ahead this is a special announcement for a landlords chasing -- -- rent payments and making trips to the bank to deposit checks -- hassle out of -- -- with zero and leader banks all mine rent collection tool he went automatically -- tenant's rent and deposited into your account visit WWW -- he -- dot net to learn more we see rent your payments for each unit to receive regularly on the same day every month tenants pay nothing in the first six months -- free for all landlords visit WWW -- see rent dot meant to learn more or call 7816418691. And now Fort Mill street watch a look at the market's performance so far today the victim Marian jog right here on the financial exchange radio network. Taking a look at that what's the markets. This morning the big stories Micron Technology. Reported their profit there their adjusted quarterly profits at 353 a share which beat the estimates. Revenue also topped forecasts and it's a stock was up early on. However the executive said the US tariffs on China. On Chinese goods are going to impact our financial results for as much as eight year. Stock. Is down over 4% on this news. Under armour which was up. Significantly yesterday as well continues to move up today up about three point 7% mainly on the news that they're going to be. Recent could be layoffs of the next yours well so that's not as continue to round today. So we're talking about the new iphones rape before the break and the iPhone access in the excess Macs are on sale. Around the world today we're not seen as big lines as we as we have in the past than. Percival that surprised about that ordering. I don't even have an iPhone Ximian qualified to talk about this that. I feel like there's been a lot of you pretty excite a pretty big excitement about this new phone. Yeah I mean it's getting pretty good reviews but the majority of the reviews. Are saying you know if only get this phone if a you need to upgrade or BP. You don't have an iPhone acts if you have an iPhone or to me I from ten feet on the iPhone time then it's really not worth the upgrade. If you do you have the front if you do it the iPhone ten minutes I went via the apple intends sold that much believes I was thinking was that. It was a bad but it wasn't it was great like sales and know their average cost per phone went way up existing cost thousands bullet I mean this thing and this one's 11100. Yeah it was all it took 1415 got and accept the yum the size in the memory and everything like that and like what's so great about this iPhone. Everything the screen. At the lowly he's got three according talking about. The organic light emitting just the way you I was there I mean I see I was thinking a lot of people that I know are in need of an upgrade they saw the X amount they said. Brand new 2000 box and relieve wanna be the first Elena get this things and hold often see you know if the prices come down or what happens and now they've come out with a second iteration they've improved some glitches that I think in this thing's gonna sell really strongly that surprised by the lack of lines although they. I'm with previous phones to their bin they've created these artificial shortages too and I haven't done. I think this new phone the ten ass in Nam is in the tennis Macs are probably going to be on par with what they've done in the past him time. Similar to what iPhone tended last year but. The thing next month. The iPhone ten are at the that's gonna set a record you except I do because that's 749. Dollars 749 bucks that's pretty cheap brand new life brand new iPhone I I think that's gonna set records for apple and that comes out when. Next month pre orders are over nineteenth. And they go on sale a belief like three or four days after I think there's going to be vary vary being. Q4. IPhone sales season ever for apple this would be well the Odyssey putter up on talkers while predictions now. All I should yeah thank you Peter idea that I rarely ever prediction self seeding does the X our league best. Selling iPhone active. I believe that I'll put up a much most of wall. I also like. While away the Chinese phone company going up there and trolling Oliver. Apple phones they. They drove a truck I guess I guess while wafers while they overtook apple for the second largest. Smartphone producer out there I guess there battery life is a lot better so they drove around see a big Wally truck that gave way freed Jews. You like actual juice actual juice giving away to people that were waiting in line for their new iphones and it is and they say something like others this is Jews have no apple it and get Jews no glasses of no traces of apple the and that's more that's more popular phone globally via iPhone aren't yet they sell out to the second largest seller. Smartphones out there but apple still crushes them in the indeed like the luxury expensive phone market. They they really have had a hole on the cheaper phone market. I wouldn't lead. Well here and there but can you even by one of those in the states. Don't think you can now so there have been very Smart about limiting while wave in the US telecommunications network you know it's essentially a Chinese spy he had the Chinese state run companies maybe not for sale here you have folks as you near retirement age is very important to make sure that your state. Is in solid shape and if you listen to Todd lets these weekly show with the legal exchange you know these an expert on elder life and estate planning. Medicaid rules change almost every year and Todd is in new guide out this month that will educate you on the most up to date tax regarding Medicaid eligibility. There's so much important information to happen among other things this bad we'll show you. What can be done last minute to save your assets 11 spouse is entering nursing. Call right now at 8668485699. Get your free copy. Of the 2018 Medicaid eligibility update today but the experts a fishing and Dolan help you protect the acid you've worked so hard to retain. Get their new guy the 2018 Medicaid eligibility update. I calling right now at 8668485699. He also downloaded by logging on to legal exchange showed dot com. Cushing and dole has been helping families like yours for more than thirty years and they can help you to call 866. 848569. And again that's 866848569. And permit legal exchange show dot com. Google it's a we've been having FaceBook and Twitter and dreamed out by congress and the senate and Google's been pretty quiet they haven't sent people to the proceedings it kind of dissent everything BO letter but. This newest documents. You know points out the fact that Google continues to allow third party apps to scanned and a lot of data from Regina. You know it's a classic saying if it's free year of the product exact. You know that the between this and elects and I I think that Google is gonna have more and more problems in terms of privacy and you know Europe is so far ahead of us in terms of cracking down on invasions of privacy Google style and you know as people begin to see. People had that weird experience of lake you know I had this experience area this conversation about something that I don't ever talk about and six hours later. You know I went search for something on the Internet and Exxon and for rent in on a lot of times. It's probably pure coincidence but I think people are. Beginning to brightly ask some questions about. How much my life story really one at the Google's and in designs of the world know. Yeah and you know I think it's a fair point it may be on just an idiot for thinking this way but when I used FaceBook. I kind of used it with the back in the back I had no to anything that I've put on here. Summers mill the fine. Today it's can be public information their Selma information and not gonna put very personal stuff here. At a very differently shipment Google account but my Gmail account you know I mean think about the emails that you sent that would be much more distressing. If that word. You been in for data and gear using bots or learn about me I'd. Much less comfortable without so they pretty much saying that they are allowing these third party apps to breed all your emails. In a letter to senators atop Google official said the company allows app developers to scanned Gmail accounts even though Google itself stop the practice for the purpose of that hard last year. I don't think it allows you to say OK what were Michael Armstrong what was Michael Armstrong emailing his wife about but I think it'll is. Developers say okay. We've got 101000 use of this. These are some common threads and there would be via might gas. But the image that the letters so blame it's like we don't buy a new book we allow other people to pay yes again I feel I buy a new I. Sort of a distinction that a different there's a visiting Google's going to be in area a little bit of heat for this. Tough and you know this latest story that I just happen to be flipping channels and attract white told fox to Brenda my AM. Diet Tucker Carlson last night the this conversation it's on the front page of the Wall Street Journal today too. This when that. When quote travel ban was being put into place Google workers. Talking about you know could we monkey with the results to achieve a political end. And you know that the some day there will be people will be able to sort of conclusively you already hear the chatter that. You know it twitters serve quietly silencing conservative voices or you know Facebook's suppresses results out of the feed and that temptation if you're an ideologically motivated person. It cools the temptation to just too little you know tweak it around here as we can around the edges and you know score points for your team and hurt the other team. I think you know it would not surprise me PC within. The next year you know clear examples of this being demonstrated is a problem in the news and cried for action. Again we've we've seen it's so blatantly with fat with FaceBook Zuckerberg himself was holed that for an. In for an senate committee and we just have assumed that with dual but the story seems to imply that. It got just as bad issues. I mean it was just I think a more spotlight on grew for the fact that in short to testify. A couple weeks yeah so. Oh yeah may have to give it was kind of work to I think they were out of the news because they didn't show up and test our thought or. Plenty of headlines this and why it was a group will hear pretty much Twitter FaceBook war. Am I just I was a bad book Dan. Adamant. Before the last segment we're talking about the new Google home products and now whether or not folks had a minor in homes and that's a pull questions about tackle when the results the poll so far. The results of the poll self. Far it looks like 38 point 8% of our listeners do you have some sort of a Smart home technology product rather it's an ams on Ecko who home or what have you in the 61% of her listeners do not. Have one of those devices and once again you can just cast your vote at financial change showed dot com. Yeah that's actually pretty close 4060. And doubt that surprised by the results. And we were gonna take quick break out coming up Ted Ross meant for credit cards dot com talking to us about. The new rules regarding credit card credit freezes will be right back from the financial exchange radio network. This news financial news. And what it means to you it's only right here on the financial exchange with Barry Armstrong and chuck sawdust on the financial exchange or. Radio network understanding Medicaid eligibility is critically important to those of you may be retired or nearing retirement age changes to Medicaid occur almost every year and if you're not up to speed on the latest information you're acids could be at risk if you or your spouse need nursing home care Todd let's keep most of the legal exchange radio show and a partner with the law firm of Cushing and Dolan can help -- is an expert an elder luck and he has a brand new guide of this month we will educate and inform you about Medicaid eligibility this guide among other things discusses various strategies that are available to save your primary home any rental property and even a vacation home if you have one once the nursing home come stalling. The debate over healthcare remains in the news and Medicaid is a huge part of that discussion so take the time right now to call 8668485699. And get your copy of times free guide the 2018 eligibility update that's 8668485699. You can also download by logging onto our website at legal exchange showed dot com 8668485699. Or download it right now and legal exchange showed Don John. Hi this is Barry Armstrong and if you're a landlord or property manager I'm sure you've heard me talk about Z rent leader banks tremendous on line rent collection program I'm excited to tell you now about their brand new product called Z deposit this is another free program which streamlined the opening of tenant security deposit accounts three totally digital experience with C deposit landlords can open an account online invite tenants to entered their information and manage all their security deposits Z deposit also automate many of the compliance headaches for landlords such as generating account disclosure forms and will even send out annual interest payments directly to tennis -- called the Z deposit team to get started at 78164186. And 91 that's 7816418691. Or visit them on line and see deposit dot net member FDIC leader bank step ahead. Hi it's very are strong in potluck eat in law or Cushing and dole were here today with your legal exchange. Quick tip of the day we're talking about your mom your dad get sick legal and to a nursing home. What do you do know planning has been done tot. If a spouse enters in nursing home how is it joint bank account or brokerage account treated. He didn't like it that's by Satan my wife's name is on the count mining on the count. I go to nursing home and Ayers half a million bucks in that account what happens that. Yes a lot of people thinking in this spot where your head with despair that somehow. How that. Bank account brokerage account is owned and makes a difference. And really it. It doesn't so when your married if all the accounts were in the husband's name in the life gets sick and goes in the nursing home yeah. All those accounts bank or brokerage accounts are at risk not half not none even my hiring. Even your IRA. It's at risk Obama forward cam retired next government oral one case that risk eight it does in this is by and so some people think all of its joint. With me and my wife and one of us get sick only half is that risk. Not true. All at risk but it all on the table put a big pile of money on the table Richard and take out your 123000. Healthy spouse if you're single you only get to. How long did you live on a 123000. Saved saved up 700000 dollars. The government's gonna take everything you have except for 123000. Dollars how long is your spouse or call right now and get the guys at 86684856990. Lord download. Immediately at legal exchange showed dot com legal exchange showed dot com or call and get the darn guide right now 8668485699. To vote on our daily poll question had financial exchange showed John come while you're there fire of the media player and watch the show while you work. This is the financial exchange radio network. And this every financial exchange brought good part I see you senior safe front educational program designed to protect the elderly through financial abuse through senior safeguard credit unions and Massachusetts New Hampshire Rhode Island Delaware training and certifying their team members. To recognize elder financial abuse and what to do in response. You can do your part as well as it better values better banking dot com for more information. If we are joined now by Ted rostrum from credit cards dot com. Tenements and greet new starting today you can put a freeze on anybody taking out credit. In your name and protect yourself when you don't have to pay anything. To put this freeze and and Ted this is one of these great things you wonder what took so long. Is that the great thing for consumers it's so much better than alternatives like credit monetary gain or even distracting your own credit score and credit report. A reason the complete lockdown on anybody else opening credit in your name. The new law is a response back back breach that happened about a year ago when close to a 150 million consumers personal information was stolen. I applaud the change I think it's great for consumers and hope everybody take advantage of it. And you tell us that one of the things. If you do go ahead and put him one of these freezes you'll get a personal identification number he's taken care of. That's important gap so when you reach your credit union to do with each of the three major bureaus at Equifax Experian and and union. And each of them is going to give you up and number hold up that because when it comes time to unfreeze your credit its way quicker if you have the end. You need to unfreeze your credit and it Europe fine for new credit things like a credit card and auto loan mortgage maybe even renting an apartment. How fast can you get your credit on frozen if you frozen. The new law says that it should happen within an hour. I would advise consumers though the building a little bit more noticed maybe two or three days if you know your car shopping news. Maybe built in Nat to retreat a Christian just because things can go wrong sometimes there can be long wait it's our own representatives or. But they can go down unexpectedly. So uber couple elect the time. Itself I've done this right of gun Equifax Experian Trans Union put in the freeze. Company to unfreeze it it all three places if I wanna get a new bottle loner credit card. You Q and that's something that I'd like to be changed about this law I think it would be a lot more convenient if you could only contact one and then they were notified the others. One other change that I'd like to see happen is that I really think it would be nice if that at all he'd be your credit with that it was frozen. Kind of like workplace retirement plans we in the auto enrollment really boost participation. I wish the same thing would happen for credit freezes yeah. And I've seem some people say even if they're really young go ahead and do this for your kids. I would argue that it's almost even more important the locker its credit in your own just because you don't think about. Hit an identity theft but it does happen javelin strategy found about one million cases. Of American kids having their identity stolen last year. I've heard of cases where toddler's identity was stolen it went undetected for fifteen years until they graduated from college is because we're not happen attacking. Our kids credit so definitely lockyer hit credit down on forced by the crack and heal their Social Security numbers and been up a big identity and get credit cards and debt in their name so do it yourself but do appear it you know. Well this certainly does look like a rare triumph for consumers in the face of you know very big powerful. Credit monitoring credit issuing type companies. Yeah it sure is that the good thing I wish they would go a little bit further like a and it'll be interesting to beat you I think the next frontier with all kinds of identity fraud protection are things like bio metric. We're hard at getting used to that with our help we think about the new iPhone and where you can just look at it and it unlocked I think in the future we might even more ways. That your your identity can be secured and wave YA site the I stands fingerprint things like that. Wonderful to have brass and from. Credit cards that come thanks so much for joining us in this is a great reminder to read go to Equifax. Go to Experian go to Trans Union put in this credit freeze ACP for you when your kids Ted thanks. Bank robbery. He had that mean. It's scary enough and thought about checking your kids' credit score that that would replace the total loss round score ripped off fifteen years that. This is for a march article about 20% of Americans froze their credit. File. Oh after the wake of the data Richard Equifax and it cost an estimated one point four billion dollars it is Regis yeah. It's it's preposterous. And airlines says there's currents and frozen discussion about regulating. The cost of change fees and other people hate change fees when they have to do it. You know a lot of people end up having to do anything 3% of tickets that are bought and at being changed and it racks ups and you know pretty significant fees. But I think this is stupid overreach. They're talking about basically sang. Regulating how much the airlines can charge for change these conflicts. Well and it's the classic you know you pushed down here and it's gonna pop up over there I mean you'd if you say they can only charge a hundred bucks for a change feeling guess what everyone's. Tickets gonna cost more. And then your us are gonna see you know he saw American Airlines crank up baggage fees thirty bucks for a first bag and American Airlines now forty. Yeah her second so earned all the airlines to on this very well all of them and jetBlue Houston and you know what not southwest this makes southwest looks much better run the charge for change fees and charge for bags pretty much everybody else does it's huge selling point south west and southwest announced that he don't do this you know it we'd like the fact that everybody else has that your you know if these huge change fees. That's why people book with us. You know me I've the only thing I could see them doing it sang you know putting in some rules around safety like. Hey if you're really sick you should feel the change of flight without pay yes I'm a paper on that's just ridiculously good encourage sick people down playing because you your gonna docket for pre throughout like I could see a little bit of regulation that would be nice that I don't have to sit next day. Father of three US news sitting right next. That's probably should be spree that you know what you bought latest on them yeah that you but I mean the way he handled this is free markets mean southwest experience and success fees they charge these fees and I don't see actions. Airline fees stupid wanna get away from regulation. That's all that we have this hour the financial exchange I stay tuned coming up were we talking to. CNET about the new Amazon product line stay tuned here in the financial exchange. Radio network. It's not too late to get a great grade and home mortgage leader bank specializes in a wide variety of purchase and refinance loans that 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 pastor closing call lead 776917900. That's 8776917900. Or visit leader banks dot com member FDIC's equal housing lender and MLS them. 449250. Subject to credit approval leader bank a step ahead. Understanding Medicaid eligibility is critically important to those of you may be retired or nearing retirement age changes to Medicaid occur almost every year and if you're not up to speed on the latest information you're assets could be at risk if you were your spouse need nursing home care -- let's keep close to the legal exchange radio show and a partner with the law firm of Cushing and Dolan can help Todd is an expert an elder luck and he has a brand new guide of this month that will educate and inform you about Medicaid eligibility this guide among other things discusses various strategies that are available to save your primary home any rental property and even a vacation home if you have one once the nursing home comes calling. The debate over health care remains in the news and Medicaid is a huge part of that discussion so take the time right now to call 8668485699. And get your copy of times free guide the 2018 eligibility update that's 8668485699. You can also download by logging onto our website at legal exchange showed dot com 8668485699. Or downloaded right now and legal exchange showed John John. If you're landlord looking to find an easier way to collect rent payments than you need to hear about leader bank's online rant collection product called zero and it's a great service for landlords allowing them to collect tenant's rent payments electronically and see rent dot net without the need to collect checks mostly in the produce local neighborhood banks to do their business and now a collection of local banks are offering this unique program including leader bank and stolen bank member FDIC. If you're a landlord and are interested in having your bank required to zero and technology tell them the coldest he ran team at 781 at 6418691. That's 7816418691. Or visit Z Rand dot net stopped chasing down late payments and running to the bank to make your deposits at your bank to add zero to its list of offerings. Visit C Rand dot net or call 7816418691. For more information that 78164186917816418691. Or zero rent dot net. It's the money matters radio network WB MW 11:20 AM and W 275 CM FM good Boston the money matters radio network. Hi this is chuck and Mike from the financial exchange were here to talk to you about the questions that you need to. Asked to potential financial advisor Mike there's a lot of different types of advisors out there. And one of the big questions that I think people really need to pay attention to. Oh for your client but they must in fact be in the client's best interests can be giving example of how a fiduciary approach may differ from someone who's just acting as a broker for client. Yeah absolutely so when you take the case of say a broker they have a slew of different investment options that they can use and let's say you're comparing two different mutual funds and they might both achieve the same objective. But one of them might pay the advisor 5% commission and one of them might pay the 3% commission. Under those circumstances the brokers to know free to choose that 5% product because it pays him more. Whereas the fiduciary is going to be in a place where they must choose that product that is truly in the message the client and if they don't. Then they stand to face legal repercussions. Folks there's a new guy out from Armstrong advisory group this month that details all of the questions specifically the top ten questions to ask a financial advisor. It's free to get in only have to do was call 800. 393. 4001. Once again that number is 800. 3934001. If you prefer to downloaded on line you can go right now to Armstrong advisory dot com. Securities offered to securities America incorporated members Jenrette SIPC and advisory services are for the securities America advisors incorporated Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated. Do you have an elderly parent or loved one be suspect is being scammed for their money if so then joined with Massachusetts credit unions in our fight to combat senior financial abuse uphold genteel president of the cooperative credit association inviting you to visit better values better banking dot com to learn more about C news senior safeguard and educational tools that help you recognize an elder financial abuse and what to do in response does it better values and better banking dot com and help us take up the fight to protect seniors everywhere. 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Leader bank a step ahead hi this is very Armstrong I've been helping families like yours with their investment strategy for the last thirty plus years in what you're working with my team or another advisor wanna give you some free advice finding the right advisor is not easy so I've written a guide to help you through this trying process it's the top ten questions you should ask your financial advisor is your financial advisor a fiduciary does he sell financial products what are -- fees will be charging these among others are critical questions that you should have answers to before you make your decision call my office right now and 803934001. And request a copy of this brand new guide the top ten questions you should ask your financial advisor educating yourself is a very important aspect of this processed so don't delay get your free guide today by calling 803934001. Or download it right now on our web site Armstrong advisory. Dot com securities offered to securities America incorporated members in SIPC and advisory services are with the securities America advisors incorporated Barry Armstrong representative Armstrong advisory group the securities America companies are. And affiliated hi this is very Armstrong and if you're a landlord or property manager I'm sure you've heard me talk about Z rent leader banks tremendous on line rent collection program I'm excited to tell you now about their brand new product called Z deposit this is another free program which streamline the opening of tenant security deposit accounts three totally digital experience with C deposit landlords can open an account online invite tenants to entered their information and manage all their security deposits Z deposit also automate many of the compliance headaches for landlords such as generating account disclosure forms and even send out annual interest payments directly to attendance -- called the Z deposit teen to get started at 78164186. And 91 that's 7816418691. Or visit them online and see deposit. Dot net member FDIC leader bank step ahead. This is the financial exchange with the Barry Armstrong and shut sun out. You're exclusive look at business and financial news affecting your day your city your world. Stay and or depend on today about economic and market trends plus get breaking business news every day. And now the financial exchange with the very Armstrong and chuck Exxon. Welcome back to financial exchange Mike Armstrong Peter how Tucker silver with you on this Friday. Morning. Taylor the markets. Mixed day today Dow up about 49 points S&P slightly about three points NASDAQ down about 21 points. Coming up we're assuring be joined by Ted raw asking me where adjournment to address we're going to be joined by CNET talk about the new names on product line as well as Paula Monica talking to us about. A huge candidate stock but. First things first ESPN. Rolled out their streaming service aways back they just had a million subscribers. Pretty big benchmark for them my name is important keep in mind your Netflix has a 118 million subscribers who who has twenty million subscribers though. A million isn't a huge number. But for a struggling network network that has really been a drag on Disney's business for a few years. It's pretty big to. Again. But you know don't you get in that million customers if you drill down into the fine print. The a big chunk of that one million are people who were ESPN insider subscribers who were already paying five bucks month so they re class madam so you know it could be that what they've signed up is like 600000. Subscribers so what has a service work. So it's. Major League Baseball and any channel college football some soccer from around the world boxing USC. But the only sport senator to Reagan's always kind of abstract as their. Anchor show yeah but no no NFL no NBA. And which I think and what's it costs five bucks a month. That's a terrible. It's 499 months it's not I don't have it but I mean that's a pretty good price if you're cut the cord. Here is your sign if you cut the corners and it can't just going Netflix. I need my sports I want my sports fix this this can be a good solution it's HD quality it's not me you know it all does it's it's probably not it's not everything you know it's. Hundreds of Major League Baseball and National Hockey League games. But not all. It's sort of like a salad without you know cucumber tomato order. Bread and that's that's been the problem that I see with cutting the cord is constantly being in the weird like go to get mine NHL hockey has been the main thing. Mary can move like streamed ass and don't don't think hand on us. Now on this you'll get some hockey and I don't think you're getting every single HL hockey game ESPN's sports bowl now because he has been heats hockey we all know. I mean that they you know they get the thirty for thirty's don't forget about you know yeah those are fantastic documentary series. Yeah sees him that's on their two yeah. Al lot of guests at I think this could be I think this could be a good rated news see this is brand because it has been struggling a lot recently. And for a lot of cord cutters I think that's an extra five bucks a month it's pick up periods yen. It was then. It's at that price it's sort of like you know white. It's a great price point earlier this stinks after three months Europe fifteen bucks man yeah. And probably you common bird canceling that they give you deal. I wonder if the link it up with any business you keep waiting for a fair Disney's new streaming service to come out because they pull content from Netflix there. A pitcher be right there front center so hey you know sign up for ESPN and Disney streaming and saved X number dollars on that can be pretty negative and if we'll see if thought fox wins this pitted first guy you can add a whole lot of programs as well. Interest and so you know we don't have this problem up here in New England that it's. A big big win for the media rounds of there's huge one last man and I did Nazi that count and I was in bed before they won that I was there are down fourteen to three Dallas yes seven yes seventeen to three or whatever yet they were down percentage so it's the worst football ever old. That was bad. One point like the two quarterbacks relate you know three for nineteen if I was a net eight yards between them yet it was a bad first half. For a powerful football but tonight your rookie sensation baker mayfield got put in the game he did and other Estes history. Browns finally got their first went in Moses. 300 Sampras since December of 26 team. More than that. News 605635. Days without a win. Think about such cell. Half that's a tough bite for the city leave so we covered this story. Prior to the season was the big spotlight ocean yet and if you call. Those bridges across time bars in Cleveland. Had bridges full spotlight hands. With locks. On them and they finally a marked last. And the city of Cleveland remarkably did not burn down as a result I was shocked there is three McCleon ways we won a school aged Brit wait. Oh god the free beer thing with the objective mistake dumb yeah browns I mean all the bars packed idyllic that you had to be in the bar. Prior to human via its. That the president and good for you specifically went yeah that's that's where since December towards sixteen proud that we beer drinking for three hours in the and you get free beer were competitive go over your one free Bud Light to. The result but what are what are good marketing play by like a Lexus but light haze just. Right click right in terms of yeah. There beer sales or something to worry about. They're marketing has always been and I think always will be just completely ingenious thing Pakistan best. Super Bowl ads they're all about later. But like goes with the kicking Kia in. A tunnel one. Two. Staying. And says a football but yet it was always Koreans hurry love this so this is what happens when you have computer glitches for gambling companies looks you need to have this stuff right in this is due to financial. Yeah yes somebody placed a bet. Anthony prints of new work of Newark, New Jersey placed a bet on was the Broncos game you know it's Broncos readers late in the game alive that. Is alive that in the accidentally issued him a ticket for 750 to one odds. It should have been six to one of one to six all the tools like easy money is one to six ought it was one to six Oz actually gave them 750. To one odds. And date refused to pay out for awhile but they are paying out his 82000. Dollar bet on this 110 and also what's that so they have eleven other people yeah. It was one to six sides and they put it at 751. For small bat and he gets 82000 dollars on the easiest money however making his life in credits 4500. Times as much money as he should've. Gotten for this one. And there was this and others yeah thereabouts people and they cast a vote. They did you think if I consulted with their attorneys in the state gaming commission is. Too much NASA which is on parents. Is 182 computer glitch. That's what happens. If you don't have the staff perfect after hundreds of thousands of dollars but here's my cynical question. What's the value of the PR. And free advertised established yet or is that story. Woman that walked into casinos playing slots and she won like. Few 100000 dollar slot machine. And the casino. Said that his computer which they never paid out. Really. At a time like this or is it local and a member. Why would they pay zero. Now it is there a culture has not their fault geez. Toggle off there so. I don't know Hague. Pretty funny story. And it's a really pour computer analyst yeah very porous enough somebody's got fired. Richard Quick break coming up we're talking about the new in his own product lineup a lot of interest in stuff that's been ruled out and it's the why we think might be success and what might be a complete flop here stay tuned here to the financial exchange radio network. Have a question for Berrian junk. No you can text us at 63566. And take part in the show at any time you start your text through keyword Barrett and join our exclusive club. Days as the financial exchange radio network. Hi this is very Armstrong I founded the Armstrong advisory group in 2004 and my number one goal has always been to preserve and protect the assets of my clients so I'm here to give you some free advice finding the right financial advisor is not easy and what do you choose to work with me or not I want to be educated on how to pick the right person for you and your family -- a brand new guide called the top ten questions you should ask your financial advisor how often can you meet with -- and what other fees will they charge you these among others are critical questions that you should have answers to before you decide -- to work call my office right now at 803934001. And request a copy of this brand new guide the top ten questions you should ask your financial advisor -- today by calling 803934001. Or download it right now on our website Armstrong advisory dot com. Juries are for to secure his American corporate members in SIPC and advisory services are with the securities America advisors incorporated Barry Armstrong representative Armstrong advisory group the securities America companies are unaffiliated. As you near retirement age it's very important to make sure that your state is in solid shape and if you listen if Todd let's he's weekly shown the legal exchange you know that he's an expert on elder life and estate planning. The Medicaid rules change almost every year and taught as a new guide at this month to educate you on the most up to date facts regarding Medicaid eligibility there's so much important information to have been among other things this guy will show you what can be done last minute to save your assets when one spouse is entering a nursing home all right now. 8668485699. And get your free copy of the 2018 Medicaid eligibility update today let the experts at Cushing and Dolan help you protect the assets you've worked so hard to retain their new guide the Tony eighteen Medicaid eligibility update by calling right now at 8668485699. You can also download it by logging onto our website and legal exchange showed dot com Cushing in Dolan has been helping families like yours for more than thirty years and they can help you do call 8668485699. That's 8668485699. Or visit legal exchange showed dot com. Hi this is Barry are strong and if you're a landlord or property manager I'm sure you've heard me talk about Z rent leader banks tremendous on line rent collection program I'm excited to tell you now about their brand new product called Z deposit this is another free program which streamline the opening of tenant security deposit accounts three totally digital experience with C deposit landlords can open an account online invite tenants to entered their information and manage all their security deposits Z deposit also automate many of the compliance headaches for landlords such as generating account disclosure forms and will even send out annual interest payments directly to attendance -- call the Z deposit team to get started at 78164186. And 91 that's 7816418691. Or visit them online at C deposit. Dot net member FDIC leader bank step ahead. Are you having problems the blocked sink or drain. What a leaky Foster a shower. These types of minor problems can become big headaches if they're not dealt with quickly and efficiently and believe me. I've had all kinds of trouble trying to get people who can come in and do capable. Qualified work I talked easy plumbing in their professional punctual and thorough and all the work that they do so if you need a reliable plumber. With fair competitive prices cold easy plumbing. Easy makes it easy either experts they're knowledgeable they're courteous. They will be on time to take care of your issue and make sure that it doesn't happen again all you have to do is call today in your plumbing problems they're history call easy plumbing at 781. 862. 1190 that 781. 8621190. Or you can visit them online at easy plumbing MA dot com for more information. Massa master license number 10. 183 again the number is 781. 862119. No. The financial exchange. Is coal or murdering an and also now in West Palm Beach, Florida. Check out our web cited financial exchange showed Doug come and find the station closest to you. This is the financial exchange radio network. We're joined by Dan Ackerman from CNET and Dan we got a whole line up of gadgets that came out from Amazon yesterday and I've only got one question for yeah. Did you already by the Smart microwave. I'm not a Smart microwave I was bored you're in the market clot I don't know why. It just seems like such a wacky idea that of course but he did talk to Michael. It Arab and let's go through the list here what did you find to be most interest thing that Amazon rolled out what way I mean I know they made some improvements to their existing products here. I. I'm calling up the Mike raped and it's just a dumb idea but I guess it's only it's a sixty dollar microwave that is also a Smart my great wide line need a Smart Michael. You have an anti. Former that we were joking about at a time I go convict or microwave and turned out they actually did. It's not really part of a bowl echo line not spans the order Amazon basic line which is good inexpensive. And and it has the ability to re order things you Amazon gas system which region like that about in order more. You know for entering girl because snooker whatever you need yeah and it works we gonna like this because you have an avid speaker built in but. You know I get it you're gonna buy cheap Mike late mystic about in my it will get one. I can tell you how one U let's go to potato for. I suppose that's a culture that part of their larger. They are just getting bit elect a person. At briefing here at. Yeah now I saw some inching stuff on they're rolling out a bunch of car products and vehicle drive sums assuming about half a decade navigation. What else are these going to do and why would I want one. As I mean I've got my cellphone in the carver ago I pretty much used ways wherever I go what is this going to do that my existing cellphone might not. I think our part is that is that he wrote area Apple's got a bird now and it. Google has diverted out they had obviously you know Amazon needs to get in their killer and not pre built into stars. There they got a billion a little dongle called the echo auto that it would be like fifty dollars. And expects believes that your bones because piggybacking on that signal but it location aware that you made lately though elect that. We have been here at our they don't know where you are they'll turn last year where you could they would like at all. You know Richard eternal like more like one of the people to your driveway don't know you're there. And LB you know tackling your house to try on your mark like all part of what you could do with it. But I think that all of these big tech companies know that the automobile. Is the next big battle ground that they all have to bite or statement. Yeah clearly ME age they're it seems like Amazon is far and away I I personally when I was looking at. Comparing the Amazon vs the Google product I ended up buying the Google home products. Based on the reviews that I read that. Amazon was for their head but Google single bit smarter. Is anyone even close competing with Amazon at this point are they just way ahead of the game. Both of the two big players right there and I think it Google has been you might be better job of general interest questions. Being but Amazon had more time. You get there being adequately wanted to be as the other missions. Of getting you to interact with Amazon and I think from Amazon and there and they are better at that but both companies are doing a very Smart thing. In that they're trying to get all these other people will be product you put yours in it. I basically just got to printer the other day. And it has worked with elect and the work that they look at it and accurately tell the printer but it it's part of that ecosystem. Do you have any stats on and the percentage of households with these Smart devices in and Gino how well these things are selling and how prevalent they are and everybody's out homes. That's about a percentage but Amazon claim irregular certain you know tens of millions of people with an electric device they're home but. They are kind of used to it after it because now that things like that. Fire TD in the Amazon. Fire tablet at elect the bill then yeah they count those as opposed to just like a hot heat. Pickle dot that this standup act as speaker. There arranged marriage well. Thank you did come on I appreciated Guinness kind of a first look at these Amazon products. We will have you on again as we get some updates honest but I mean I'm not thrown at the wall seamless fixes this is important to act. My next bill to keep official on the style and you know actually smarts. A Smart like diesel plant something like that would be exactly what I expect can't keep anything. Anymore so president Dan appreciate it. Yeah. Some of these things are stupid. That you gotta be impressed just by the volume of when names on the news this you know if they've been successful it. Let's throw. Everything at the wall and let's see what sticks. It's a sound. As simply as a nation our own personal versions he reached Playhouse at. We re talking or chairs retired couches. Or damn microwaves now bush Alexa dot dispense toilet paper yeah secrets toilet paper roller. Yeah well let's take a look at our poll how ya doing other poll our poll question it was do you have any Smart home technology products in your goal. Yeah so far 35 point 7% of our listeners do you have some sort of Smart home technology product whether it's echo or ghoul Ballmer. Smart lights or what have you 35 point some percent or listeners do you have that couple text actually came man. One out of the sub seven for. Listen to you on Alexa every day I did news recipes play music in asked trivia as well through the in this on Alexa that's actually one of the thing that it was used on jeopardy. Jeopardy updated every day has chemical. It's cool. Elect it's chuck and bury somebody else that it is a use Google Mini two. Basically white noise in bared their daughter adjournment and that's it's Smart idea for there right cheaper altars to happen. I mean there are. You know wide range of uses for this definitely under utilized. The current banker get interest. The car. And it just stepped it's completely hands free your rate is is it means is your phone. Now what can't you do I mean it and a lot of people sit on the council time Esther I mean I don't know why I would default to the number of people that I see staring at their stupid phones drive part we don't like well it's gonna make them worse. In other screen in your necessarily. For drivers out there. You know you gotta give it to Amazon and some of their ideas are stupid. For instance you know the Michael the Michael Clark has cut out of coal and gas. Tells time they'll strike deliver Christmas trees this year which adamantly disagree with. That's terrible day you're big Golan at the history yeah the cut it down the go to the lot yeah that's an experience especially with kids Ehrlich. And there. And what's got troop. A seller really good commercially it wears for Amber's dad in somebody sing it and there's only be Smart devices as it is realizing the stupidity of the situation right it sounds like. Okay dishwasher all the you know over there. Microwave get it job walk up and I think so yeah that's that's pretty much where it's currently and there. There's a company out of the UK and London called delivery. Food delivery company. Hoover's trying to Biden. Over two billion dollars. With interest and not realist. How many countries looper has sold stuff ambassador out of ride sharing in southeast Asia Europe and other Russians so. You know other kind of double and and a buying people to get bigger weird they still exist. You know they have a lot of advantages that it it is a pretty easy technology to replicate in the Middle East as. For team. Is to they've got a can make a lot of this last year's day how important scale to a us. That's huge markets they're trying to find others solutions here. When used over food delivery. I have I've. Sentiment due to food off anyway. I don't see what real. Supposed to just getting. Bad news for GE. There's a flaw in their latest power plant turbines. Oxidation cause a bunch of issues and an excellent. Factory which is just further bad. Terrible. I'm down at Texas I loved her sister great line in the Wall Street Journal the C this oxidation issue. The issue was found after quote an event a few weeks ago it excellent Colorado band plan. Your Houston so I think that event probably alt a catastrophic explosion and the power plants shutting down I hope I don't you know it's an event and today the GE power users already slashed 121000 jobs last year. Just bad news for G and I can't remember the last time we put this story and said oh man there's some really good genius. We take quick break coming back talking more about your polian he had no yourself have you had so far will be right back. The financial exchange is alive on FaceBook so make sure to like your page and watched the guys break down the latest on the market every day beginning at ten on the financial exchange radio network. Understanding Medicaid eligibility is critically important to those of you may be retired or nearing retirement age changes to Medicaid occur almost every year and if you're not up to speed on the latest information you're assets could be at risk if you were your spouse need nursing home care Todd let's keep close to the legal exchange radio show and a partner with the law firm of Cushing and Dolan can help Todd is an expert an elder luck he has a brand new guide of this month that will educate and inform you about Medicaid eligibility this guide among other things discusses various strategies that are available to save your primary home any rental property and even a vacation home if you have one once the nursing home come stalling. The debate over healthcare remains in the news and Medicaid is a huge part of that discussion so take the time right now to call 8668485699. And get your copy of times free guide the 2018 eligibility update that's 8668485699. You can also download it by logging onto our website at legal exchange showed dot com 8668485699. Or downloaded right now and legal exchange showed Don John. Hi this is very are -- I've been helping families like yours with their investment strategy for the last thirty plus years in what you're working with my team or another advisor wanna give you some free advice finding the right advisor is not easy so I've written a guide to help you through this trying process it's the top ten questions you should ask your financial advisor is your financial advisor a fiduciary does he sell financial products what are their easily charging these among others are critical questions that you should have answers to before you make your decision call my office right now at 803934001. And request a copy of this brand new guide the top ten questions you should ask your financial advisor educating yourself is a very important aspect of this process so don't delay get your free guide today by calling 803934001. Or download it right now on our website Armstrong advisory dot com. Securities offered to securities America incorporated members in SIPC and advisory services are securities America advisors incorporated Barry Armstrong representative Armstrong advisory group the securities and our two companies are unaffiliated. Are you having problems the blocks incur a dream. What leaky Foster a shower. These types of minor problems can become big headaches if they're not dealt with quickly and efficiently in believe me. I've that all kinds of trouble trying to get people who can come in and do capable. Qualified work I talked easy coming in their professional punctual and thorough and all the work that they do so if you need a reliable plumber. With fair competitive prices. Coach AZ plumbing. Easy makes it easy either experts they're knowledgeable they're courteous. They will be on time to take care viewer issue and make sure that it doesn't happen again all you have to do is call today in your plumbing problems. They're history call easy calming at 781. 862. 1198 at 781. 8621190. Or he can visit them online at easy plumbing MA dot com for more information. Massa master license number 10. 183 again the number is 781. 862. 1190. Hi this is chuck and Mike from the financial exchange were here to talk about some of the questions that you need to make sure you ask a financial advisor if you're considering hiring one and Mike what are the big questions that I think everyone needs to pay attention to is who actually making the investment decisions when it comes to what goes declines portfolio what what types of different situations and be seen as ours who makes the investment choices in portfolios decline. I can vary significantly I mean everything from TO a small independent advisors action running all those portfolios and investments themselves to completely hiring that entire piece of the business out to a third party why it's important that you understand which one is happening is because you want to make sure a the person that's making the investment decisions has the qualifications needed to do so. Understands the markets maybe has a chartered financial analyst on staff and B if they're not doing it themselves are there any additional costs to using a third party for the service lets talk about that second piece of particular how much additional cost you end up running into if they're outsourcing that management oh well I mean I I've seen numbers as high as in other full percentage point if not more hearing the case where say you're paying your advisor 1%. And they using a third party money manager you might be layering on an additional 1% cost mainly doubling the cost of investing for. Folks the question of who makes the investment decisions in a client portfolios just one of the questions you need to ask a potential advisor and Armstrong advisory group has put together a list of the top ten questions that you need to ask potential advisor all you have to do to get it is call 803934001. That's 803934001. Or if he'd rather get it online you can go right now and Armstrong advisory dot com once again that's our strong advisory dot com. Securities are pretty securities America incorporated member finreg SIPC and advisory services are for the securities America advisors incorporated Barry Armstrong representative Armstrong advisory group in the securities America companies are unaffiliated. And include. Barry show can the financial exchange on FaceBook FaceBook dot com slash the financial exchange this is the financial exchange radio network. I don't stock prices and move it. Possibly today but I mean this is a Smart move for chip whole way. Everything had to do something. They've hired a company called send points to help them manage their food safety and compliance obviously with a mobile. Peter had a hasn't exactly worked did get a good understanding of what is gonna help them called zen putt and essentially it takes. Is I greeted a bunch of checklists and puts a month to a mobile app now. Doesn't mean that. You know we can't have a manager drops the ball and you know believes the so free to set to line and mean 650 people in Ohio have close tritium. Which sounds awful I'd not heard of cluster radium before and I just don't mustard I don't want an equestrian and my body but. You know it's if you're too probably gonna do something. You know it's counted. Too excited to edged sword you know it's good news I guess but it also to calls attention affected you know. Which while people get the chipotle full body clients via. As you know it's the same company by the way that does this sort of work for Domino's KFC injures him mice that got a proven track record here. To polish stock by the way for anyone. Did horribly last year but total return of over 70% so far this year investors clearly. A excited about too well in a you know new CEO Brian Nicole was the former head Taco Bell has come in and I think taken some really quick and serious action at that company. And this is just another move that I think. I think this is just one more seats that for chipotle they try to recover from varied varied tough few years was huge. The 99 talkers for two cents I don't know snow's first I was about the best day it was a great hire in general mean damn tired of ulcers and absolute gold mine I feel like at our house. That says take a look at the markets overall I doubt currently up 49 points S and Pia for an half. About point 2% ten point 15% respectively NASDAQ down currently about six points or just very slightly dampened a bit of a mixed market day overall. Yet folks if you're landlord or property manager I'm sure you've heard us talk about zero entries leader banks tremendous online rent collection program. We say it tell you now about their brand new product called. C deposit. Is another free program which streamlined the opening of tenant security deposit accounts are totally digital experience. We Z deposit landlords can open an account online and buy tennis to enter their information and manage all of their security deposits. You deposit also automates many of the compliance headaches for landlords. Such as generating account disclosure forms an allegiance and annual interest payments directly to tennis it's easy to get started just called Z deposit team at 781. 6418691. Again at 7816418691. Or visit them online ads you deposit dot net. He deposits free for every once or call today and make it that much easier collect and manage security deposits. Member FDIC leader bank a step ahead. Talking about the real estate market a little bets obviously be you know anyone that's been trying to. I homers sold the home. Pretty much across the country in the last few years has seen the prices just kind of going haywire and inventory dropping back. We're starting to see sun. Perhaps concerning numbers at California. Am I would call these numbers somewhat concerning California as well with CNBC says to four weeks. Ended September 16 more than one quarter of the homes listed for sale. In California had a price drop and that's the highest level the red and is seen since 2010. But the question I have about this was sick about. For two weeks of September to what you feel like. There's probably a little pressure on people in August who were on the market if that's probably a little more of a seller's market people trying to get in. Someplace before their kids start school. For two weeks of September of that pressure goes away so it doesn't totally surprise me the machine people. You know drop the price to. Try to get the house to move in in September but it. You know it's like real state and cal. When he's giving cheap now I mean prices are still up so impressive stuff 55 and a half percent annually. But down from some recent gains in numbered days taking to sell a home is going. There may be it's just an overheating of one little market but I think it could be indicative you know further changed from across the country California oftentimes is I also wonder how much of this is can be attributed to the news federal tax law changes I mean if you live in California and you are high in Gardner. You're going to be in a lot more tax this year to the federal. Can't do that the state tax can't connect the local property tax. There's not a whole lot today and that adds that could be playing a role in yours well in other news household net worth the US household net worth. His neared a 107 trillion. In the second quarter rose by 2.2 trillion the second quarter alone. Which brings us to a record. It is pretty nice. These days to. Take a look at your 401K your year IRA. It's it really has been a pretty amazing. I I was astonished to come in this morning and see how close the Dow is 27000. At this point. Numbers like that scared me. Now numbers look at numbers like this this out man. That means are about to get bullet. And chuck created Sam. Fox and we hey you're hitting new record net worth's. You know holdings in the stock market Klein by 848. Billion in the second quarter as a what credit card debt not improved either. How credit card debts of the highest ever been. What's going all the with him household real estate assets rose by 559. Billion in the second quarter. I think you know you get to be my age she can be approaching your mid fifties and essentially investing is it's like a football game we try to run up the score during the good quarters because you're gonna have bad quarter yes just run up the score. Resigned as you can and you know would you rather have a 10% correction. Off of two point office 407 trillion instead of a hundred trillion. Yeah. I'm woods. But maybe him about 50% correction both hugely good bad up there. I don't know I'm not predicting that I don't think that were in person Q percent you can bet you numbers like that scare you prepping. I'm not prepping. Mine go bag rate knuckle backs. It's marketing automation. You know I don't know if you guys are all afternoon here with what these companies are doing these date who comes to marketing automation were talking about is using all of the data that we're able to garner. Knew from the Google's and Facebook's as well as from new web sites and basically. Targeting. Ads to individuals and we all see straight if you go and search for. A new Toyota you know that you're going to be getting emails about it you can maybe it's literally want ads everywhere you ago literally what it is one for now. And recall today from bock Toyota icy cars all over my web searchers now. So yeah we've got Boston based hub spot there when the biggest marketing automation firms out there that. Adobe just purchased. The marketing automation firm Marquette O mark pedo for four point 75 billion. With a B dollars. And I think this is really fast and as a means you think Adobe think Adobe reader you think Photoshop. Heating audition PV deaths. But they have this experience. Cloud. And you know the power of a think of all the documents that Adobe's touching on the line and start. Applying you know we were talking last hour about everybody. That Google is letting snoop on your Gmail to sell you stuff yeah think of the power Adobe has to let people snoop on your PBS and here with the Sally. Yeah so way you know readers I've I've looked at these companies before and marketers definitely definitely inching and a big player so is the issue Adobe does that is mark had a late. Similar sales force or is that something I think it was a little bit different I think there are probably more similar to a carefully with the hub spotter parred got you or similar to India is where there is it's basically emailed to ridden I used market elemental terrible job and why would send out my drift marketing to exactly it if you know if we clicks on X linked descendants and why pay itself forced does do but that's not accord there right right so that's pretty much remark and does something I love about this Vista equity partners but Mercado. Two years ago for one point 79 billion another solemn for four point 75 billion and in via that. And other. Acquisition Medtronic is buying needs or robotics and Israeli based company for one point six billion dollars they've already had a partnership for a while they're doing some stuff with. Was it that spinal systems robotic assisted spine surgeries this is what I want as little robot suppan around them by my spinal portal we were talking about this earlier in the week I'd I'd I'd throw that Princeton doctorate shaking hands down I mean Berry was talking about it he's. It seems like he's a big proponent of for blocks surgery and we're seem more more of that now. In terms of the spine. Little has an influence and I would wonder you know one of the first things. You don't wanna be. Targeted just coming surgery. You don't wanna be the first guy that tries at a robot surgery you don't want to be the first guy that tries out a pair shooter bungee cord. It. I think Israel and oh definitely robotic surgeries that seems to make sense. Much less room for error I think guys surgeries or block for the most part now but the pleaser stuff is that just like. Robots now. Cut and cut by higher lace a compartment. There a bad bad news coming at North Carolina by the way to some breaking news Duke Energy says that. I am breached in play and Cole you need be flowing Cape Fear river who I don't know about the geography and Carolinas and it's that can't be good news more trouble out of there that we tablet thirty deaths at this point. And that's the worst thing about the whole issue is Mercury. Knocked out or take a break Polamalu. They're coming up is going to be talking to us about the big stock this week which has been till re Canadian candidates dot stay tuned here to financial exchange radio network. We have part of the financial exchange in an instant. By texting us and 63566. Starter to extra keyword Barrick and become a member of our brand new text club tell us what you think 24 sevenths right here on the financial exchange radio network. Understanding Medicaid eligibility is critically important to those of you may be retired or nearing retirement age changes to Medicaid occur almost every year and if you're not up to speed on the latest information you're acids could be at risk if you were your spouse need nursing home care Todd let's keep host of the legal exchange radio show and a partner with the law firm of Cushing and Dolan can help Todd is an expert an elder luck and he has a brand new guide of this month that will educate and inform you about Medicaid eligibility this guide among other things discusses various strategies that are available to save your primary home any rental property and even a vacation home if you have one once the nursing home comes calling. The debate over healthcare remains in the news and Medicaid is a huge part of that discussion so take the time right now to call 8668485699. And get your copy of times free guide the 2018 eligibility update that's 8668485699. You can also downloaded by logging onto our website at legal exchange showed dot com 8668485699. Or download it right now and legal exchange showed Don John. Hi this is very Armstrong I founded the Armstrong advisory group in 2004. And my number one goal has always been to preserve and protect the assets of my clients so I'm here to give you some free advice finding the right financial advisor is not easy and what do you choose to work with me or not I want -- to be educated on how to pick the right person for you and your family -- a brand new guide called the top ten questions you should ask your financial advisor how often can you meet with that and what other fees will they charge you these among others are critical questions that you should have answers to before you decide who to work call my office right now at 803934001. And request a copy of this brand new guide the top ten questions you should ask your financial advisor horse today by calling 803934001. Or download it right now on our web site Armstrong advisory dot com. Securities offered to securities America incorporated members in SIPC and advisory services are to securities America advisors incorporated Barry Armstrong representative Armstrong advisory group the securities America companies are unaffiliated. Are you having problems the blocked sink or dream. What leaky Foster a shower. These types of minor problems can become big headaches if they're not dealt with quickly and efficiently and believe me. I've that all kinds of trouble trying to get people who can come in and do capable. Qualified work. I talked easy coming in their professional punctual and thorough and all the work that they do so if you need a reliable plumber with fair competitive prices. All easy plumbing. Easy makes it easy they're experts they're knowledgeable they're courteous they will be on time to take care viewer issue and make sure that it doesn't happen again all you have to do is call today in your plumbing problems they're history call easy plumbing at 781. 862. 119 B at 781. 8621190. Or he can visit them on line at easy plumbing MA dot com for more information. Massa master license number 10. 183 again the number is 781. 862119. No. Hi this is very are strong and if you're a landlord or property manager I'm sure you've heard me talk about Z rent leader banks tremendous on line rent collection program I'm excited to tell you now about their brand new product called Z deposit this is another free program which streamline the opening of tenant security deposit accounts three totally digital experience with C deposit landlords can open an account online invite tenants to entered their information and manage all their security deposits Z deposit also automate many of the compliance headaches for landlords such as generating help disclosure forms and even send out annual interest payments directly to the -- -- call the easy deposit team to get started at 78164186. And 91 that's 7816418691. Or visit them online at C deposit dot net member FDIC leader bank step ahead. Security suffered two securities America each member finreg SIPC an advisory services arbiters securities America advisors think Gary Armstrong representatives Armstrong advisory group in the securities America companies are unaffiliated. Business news is constantly break. And we're here to break it down and show what it means to your portfolio it's the financial exchange with Barry Armstrong and -- soda on the financial exchange radio network. Heating season right around the cornered get your hot water steam boiler inspected before our first cold snap he's got the cold call the experts and easy plumbing they'll put your system mr. comprehensive test and make sure all the components are working properly. Get a headstart on your winner preparations and call easy plumbing today seven A 1862119. Yo Massa master license number 10183. Joined now by Paula Monica and CNN money to talk to us about. I guess what has undoubtedly been the most exciting stock this week Canadian candidates company to overpay. Which. You know keeping on the trend exciting is down 26%. Right now. Paul that's coming on. Yeah no problem that's been where easier ride. We're this backed company in a lot of other acne but not there are. The past week it all started we hit that spiritual ray you know exciting investors see you know ought to be the about Al. He thinks that you know now want to change our. Beverage companies war on the local companies. Know that helped spark that. If we a bat well is that an announcement that that it's the games are being he used that work product Europe. Medical trial. With you know university California burn you know treatment about Euro bought. A yes or there was an actual like yet the good news that's on CNB CS army reacting to innocent as is just the CEO trying to. And talk about the potential for one odd but did the DEA you know approving the approving their products to actually be important Nazis that was actually real data that will impact the financials of Delray. Are these companies trading so they're they're mainly Canadian companies and marijuana candidacy is now legal in Canada. It seems to me like these companies are trading like it's already legal here in the United States. Yeah I think that people are getting. We eat too excited about the possibility that the market. It in bigger group shall be patient. And federal level in the US and even if it does then I'm in it in or out there are now he's he. What happened with not the only. The big issue is that. Not every company that came out in Italy nineties that meet our strategy wound up being and really. Companies. I mean you will play top leaders rats. Brick and mortar retail woke up and realize the heated. You know Internet strategy in mobile strategy. For every Amazon back on the out there appears ball. That that. Way scores of other retailers that went under because it's just. Not coming to me right wing out to be. Canada company doesn't guarantee that. I think people on prospect for the is that all of the bill they're skeptical. Be. Georgia. Yeah I mean I have a very difficult time believing that candidates legalization federal level is happening any time soon probably. I mean it seems very very unlikely at least in the next two to three years. Is there any way AA you know are there any big. Funds or ETFs that are trying to you know really look into this industry. Is there any way to play the industry without trying to play the individual stocks here. Yeah I got there is at least wore on it yet the US which is to keep the ticker symbol on them each day in you know. Technically called the alternative harvest. But it don't make me the larger Canadian produced as. In that but then again I mean it appeared trying to. The first of five you would all but buying you have to. Eat GAAP there arrow industry which has ample. Mostly on profitable players. Now think back. Why that is Andy's. Let. Me in the individual companies. That area that I think the average after. We should be avoided yeah. Meeting it's definitely think your comparison is an interest in one Q. In the tech bubble back in the ninety's these are largely the tiny companies that haven't generated much in the way of profit some cases not much at all in the way of revenue. Batters getting bit up and bit up and and eventually I would think there's a big opportunity for some the existing US beverage and tobacco companies here but it I don't know how far that I. Mean you're already see enemy that side you know can't beat Europe there's been one of the more people aren't able is that India dot inspector because they eat do you have the back it. Which Brad the other Kuroda amnesty you know while I was not in this morning talk about the prospects or they actually. Branching out warned the last that long is it remains illegal on a federal level now back. Much in the way any yet if it's US. Canada sales in the state of the. Yeah well I've. As always Polly appreciate your own products and your take on all of this the main company are talking about folks till ray ticker symbol TL RY. Having an incredibly volatile week I think they're trading was halted some of 56 times Paul thanks again for coming on out of Egypt. I would predict the long term the real plea years serving Colby home all over it Johnson & Johnson. In the amount of one consumption it's going to be people's smoking it. I think he's going to be you know compared to says just go owner toothpaste and well or if we tell if you think about a the companies about my teeth the companies that know how to make Seif. Products that achieve mr. consistent level of while yep. Again I think so too but. What worries me is the amount of beating going on on largely unproven. Industry that is illegal here's states lately you know federally illegal. But a look at Martin doesn't Massachusetts. Quick look at markets Dow up about nearly a hundred points right now S&P up about six. NASDAQ still down nearly four points that is all the time we have for this week the financial exchange. Tune in next week and have a great weekend.