Jun 12, 2014|
6-12-14 Full Show by Barry and Kim
Transcript - Not for consumer use. Robot overlords only. Will not be accurate.
Today by estate planning attorney Todd what's -- from law firm of crushing and dole and with your financial exchange quick tip of the day. We're talking about techniques that can help protect your assets from the nursing home. I have to ask you if your spouse. He goes into a nursing home or you -- to keep any of the house assets of thinking about -- I've heard the term used community spouse resource a lot so -- got two million bucks and your spouse is another nursing home hunt for Hamachi allowed to keep. You're sitting down I'm ready it's a whopping 1171000. Dollars and change at a two million. Two million and remember it doesn't matter the only assets it dump everything. On the table and not your -- would feel we have a million is still 170 yeah I don't care -- to -- a 170 if you'll. Rain at least get to keep on the entity that is -- but -- at that point is it's not a lot of money known political rescue iPhone certainly not and that's what it's like to generate income for people. Generating income my money's just difficult. So that's what they leave you with now they only allowed institutionalized enough to keep 2000 -- so that even last. So a 117 folks I'd like to protect the butt of that two million that you used in your example -- I'd like this do you protect all of that -- an alien you know where advanced planning needs to come in but it is the last minute situation. Please don't go it alone there are some things that can be done last -- received the assets. Otherwise you'll get a 1171000. For your life Jerry. Do yourself a favor and her request this brand new guide available from Cushing handle on the phone number is 8668485699. Protect your assets from the nursing home. Call 8668485699. While your assets go to the nursing home when they go to your children your grandchildren your nieces and -- call 8668485699. Times are changing in your retirement plans are changing with -- hello this is very Armstrong from the financial exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your -- retirement this involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with the ten step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors and Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliate. 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The experts at Web.Com -- to build your business a successful website for free just like they did for these Web.Com customers we've used -- and looked at other website designers. But there's nobody better that went out. Web.Com can have your website built for free and open running in his little seven days plus promote your site on all the major search engines like Google Yahoo! and bing if you're in business today. And you don't have a web presence he won't be taken seriously call now to get your website built for free if after thirty days you're happy with your new web site. We'll continue to provide promotion posting support and maintenance -- just one low monthly fee if not cancel and pay nothing. Call 855254. Site. 855254. NS I TE. 8552547483. Or go to Web.Com. Slash radio. There was no portrait of -- that's an equity what you -- rights to the tech relinquished what cancellation unless otherwise purchased. -- Okay. Well its hold on your checkbooks and did your portfolio break. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Everybody welcome to the financial. Stain variant came with you here on a Thursday morning in in the night. -- in debate this morning trying to determine which should be our lead story we had two very good candidate for lead story today of course there's talk about these Eric Cantor. Situation -- and it is the civil war in the Republican Party. Hey John absolutely convinced he is happening you do you have convinced now that wouldn't happen robbery at. Our sense that turned out to talk about that I guess that's going to be coming later in the program right as we did make a decision to strategic decision. To open up with a conversation regarding Iraq I thought this was -- the great importance because I'm looking at oil right now. Or wheels up a dollar or one point 5% who's just today. And -- -- six -- his big move up yesterday. In this of course this is strictly a result of what is going on in Iraq. It is and you know what it's all speculation I mean -- -- obviously we all know and of course this is how oil. Trades -- you know it's nothing it's this happened yet it's in anticipation of what may happen and certainly doesn't help that. And that these extremists have taken over one of the biggest oil fields. I'm not that we get a comment on the north area there they're coming from the north down in northwest in their coming and it it would appear as if it's setting up for big battle in in Baghdad. Very well in fact this morning I heard. You know some of their leaders. Are saying. But it to where we are charging to bank -- right right so on you know in the meantime. The government there is asking the US for help. Yes in the US they're asking United Nations and -- that really. A practice round question what should the United States becoming. As a result of what is occurring in Iraq would like to hear from you 68680s. Or text -- this is really taken a backseat. You know the last couple years. Iraq's. It would -- in Afghanistan with boulder for our ground troops out of Iraq. You know we thought that that Melky was going to be able to hold their zone. Doesn't appear so bullish news that a lot of time we lost what 4500 boys of yes we do here and not and that's just how many die over -- -- time not to mention in the 20000 injured. In -- -- money in the regular honey Wheeler put lives in money over lives -- any day but let's just talk about that did dismiss your dollars that we spent in the country. I don't think there are many Americans and will watch -- tax line deceive them and there's going to be many Americans were gonna say let's put. Boots on the ground now they can do airstrikes very -- that could be you know that that could be. Just does not just expected it to be very effective dispute. -- strategic -- -- is now well I think you know there was there were pentagon meetings yesterday and it sounds like right now percent to that is. Hey you know. What we'll do we -- from here but you're you've gotta you gotta take care office. The unit getting a guest on this topic -- league yet anybody amateur you know Wall Street Journal said pretty good covered on fox and Kerry you know everybody's covering it there's a myriad of opinions as to what should be done. In I guess we're just have to wait and watch and see what -- think in the end this could cost us where do you think those those oil prices can go out here one of six now. And really got ugly. You know we we saw 140. In the past. It back into doubt you know what's what's a -- guess we'll skip the practical five dollars. Five dollars a gallon. Looking for gas -- in and then -- you look it would does -- -- home heating oil and my people that are heating careers who you know you know the -- you look locally here in the United States. You know Iraq goes down and you lose that oil production that has more of an impact in Europe. And it's going to the United States. You think that a country like France would be more involved in something practices post the United States they are eating pastries and drinking wine yes. I predict it to do Richard -- I want it -- you -- that lasted at least -- he would step up and take care of anything right but they should and they show like this is that this is going to have a much greater impact on France and Germany in Europe. Then it would. Get over there the problem with this is that Italy seems to come down to the same thing that that. Out regardless of who gets their oil from there. It affects the entire market analyst at global market term price -- Florida. This thing is if -- if Iraq goes down Saudi Arabia can make up for a lot of it you know eat -- various other oil production can come on line. If if Iraq were to go down in terms of oil production. Which is the saudis feel about this by the way. Maybe they're just about money -- there and this is just stay out of the air right. Standing here we have Wanamaker money after tracks -- -- I know I DNA and frankly it's to their eyes are just -- idea DC united decisive back and say you know. Take ourselves up right knock yourself out we yeah we barrel warm a lot more money right. 106 today as we speak -- you know you'll be able to tell if you're trying to figure out what is going to happen to watch the stock market. Stock markets and -- indicator as to how severely this escalates if this is gonna escalate and and become. You know. -- Iraq. You know another Middle East major Middle East confrontation. You be looking at fifteen to 20% stock market correction it happened in a -- -- that happens in a week well we were down yesterday we started down today and got her points you know what I mean. Where we started down again today. They don't love it. Belts just adding air base just little dealer base are standing off don't you think right now -- -- you know president does rang newly what do you guys think these units that should 68680s. Or text I'm curious to hear what everybody. Has to say I mean I'm looking at it from financial and business statement pointed. In -- look it. Higher oil prices you know that the problem higher oil prices it's it's like attacks. You know it is just like it and everybody -- that's right you pay when you go to the growth story and you everywhere gasoline -- You pay when you jumping to a -- when you lean years trying to buy a plane to -- just right it's a global. Taxing -- gonna stay when you try to heat your home in the fall you know just is it hurts you all over. 686 case. Text number. Before we go to Samir text messages I'd like to mention something on the behalf of SHP financial structured settlement transfers are an alternative investment option. -- in providing fixed rate of return from four to 6% that's the perfect investment for somebody who has a lazy money sitting in this CD. Money market or bank -- living with -- earning little or no interest. These investments are safe and have little or no risk. Because they are backed by some of the largest financial institutions and right now SHP. Has hundreds of people receiving checks month after month from some of these highly respected financial institutions. As HP has exclusive rights to offer structured settlement transfers in all of New England. And the sold thousands of them since the company started back in 2003. And the owners of the company themselves have invested in many of these cases. For more information on how you can earn a fixed rate of return. Of up to 6%. Logon to SH peace settlements dot net that's SH peace settlement dot net. To download a complimentary buyer's guide and to watch an educational video. About how these investments work or you just give a call if you wanna go to the net is -- at 5087446185. It's 5087446185. And request the structured settlement investors buyer's guide today. Do it today give McCall 5087446185. Kim is there consensus yes it was our listeners or is it all over the map. Now the -- it is not all of -- -- the consensus is number one stay out of Iraq and number two where's the keystone pipeline and Lotta people saying over and over you know boy. -- would we get our oil elsewhere let's depend on that and and a let them fight it out and stay out. Nuke and -- -- I mean Davis preview -- unite doctrine yeah minority we did joke is an hour that we missed our opportunity there didn't -- But you know over and over again and you know -- wouldn't get so many years served in rock for tours retired -- 100% disabled. Don't go back. You know go back in -- places you know. And and you know. Airstrikes maybe he says but you know you know that nobody was put boots boots on the ground you know. All right let's take a look at a local company you see it is you're driving down 120 years he vets signed for Skyworks Solutions yes I do. With stock of Woburn base that's in Wilbur. Base Skyworks Solutions and rose after -- capital raised its price target to 54 dollars a share from 51 dollars a share. The firm currently rates the stock -- As do analyst at Needham company Raymond James. They recently reiterated a strong buy rating with the 55 dollar price target on June 3 skyworks said. It anticipates current quarter revenue of 570 million dollars that would be up 31% share a year ago. And in 19% increase from last quarter produces analogue. Semi conductors that's the business that they -- in. Today the share prices skyworks SW KS trading at 48 dollars and eleven cents. -- can now. He actually take a look at some of the numbers or reported this morning let's do -- jobless claims last week up 4000 to 3171000. Not a bad number -- not a bad number at all affect class that was revised up so. Retail sales while we were up for the fourth month in a row. It it mixed so we were up three tenths of a percent. What to make of that. And I mean the positive news is we were up. The bad news is that we were not like. We -- should be. Let's gonna -- -- second half GDP we -- at numbers like that parity unity retail sales numbers aren't as strong position some folks are starting to revise their original GDP numbers are ready you know we were what three points or something like every remember -- -- -- -- -- two point eight yeah I I think you'll see it because -- he had minus GDP in the first quarter. Suddenly to talk to. That's -- -- group from it is getting totally three quarters to recuperate and so you're looking at the end I would these prizes for Tutu and a half that it that would not surprise me at all. Couple other things ever shop at Restoration Hardware. Yes I do you and everybody else their stock today up 12%. They're earnings tripled. Their earnings in the last quarter triple. And the Restoration Hardware fields stock in this company just a public couple years ago. 2012. It's an eighty dollar stock today trading up nine dollars or twelve point 6%. In the volume is heavy normally on an average date him. There's about a million shares of restoration or hardware that changed hands today there's 3.2. Are so what what happened what they do weigh your options whether they're popular. Mean you know people like. Yet what is it furniture. It's lighting for teachers are not so strange thing. I was leaving the house -- Monday and and and leaving early in -- Obama called him and I said there's a package on the front porch. He went out it was eight or nine. Restoration Hardware catalogs. But the mailman we have to do you think I went out with Ramallah VA. -- that that's it was a foot a foot of so Arnold what are -- on it was -- -- -- we only shop there may be once a year or erosion and on into I didn't and certainly again on that no no. To -- on their mailing list like that that's a big meal analyst for sure so the. Spends his accent then limit. News -- use their stock price down. 50%. 83772. That if some inflating. Issues they did didn't they just get some idea of some really -- are retiring. And the the old. Bill guard is like the way to companies and run. A lot of in fighting recently they've had from the pits. If he gave the answer to who she pardon me at. A and it they share a bit there and on this at that that would mention where yes he did their agency we used -- words that. He says that women should Wear them and that was for example read between lines and this was a 77 dollars where is it and thirty cent -- They also missed in the stores. Are still popular now well we actually went through all that they had the problem and he this year problem well. I think -- -- popular. On the just I think there are a lot of competitors out there who are not charging 89 dollars for appear you know the pants that's the lament -- 89 dollars or jeans last turkeys at ten bucks. It is not a marshals they have clear threat. There. And -- are you guys also noticed they had like Eagles on the rear ended. Relished her right to what they look like if I can publicly in -- Now I think every answer to I think there's not as Zhuhai. And I am someone who is in a -- Europeans -- today -- by Lou I own about two or three and I probably own. Twelve -- yoga pants no joke because like I worked out and in my life as an alternative. I I. Remember David what can -- -- its view. I forget the name and where well I I have a number of new balance you know opinions -- line of but there's there's an -- Jordan helped me our intern Jordan -- here and and I'm asking her. The premise of what you're saying though is -- you Wear them every day -- both -- is there really different between the three that you have and the other right in the answer is no I'm not buying eighty -- 89 dollar payment because I've found -- -- in Asia and anyone to my needs like buys based on the brain anymore yeah always based on price. -- me like -- I don't know the growing need to have Lulu lemon it's -- I minor based on prop. Just based on price decline at all because I want him to hold up and I want to be good is that where Arabs aloft and that Washington a million gazillion times. But having said that. I found out that there's other brands out there that I didn't pay nine dollars for a bit. So when you lose you're brand loyalty after the well after the fact that women are fat. I didn't love that they went Interfax -- that -- -- And I fired. Up. Definitely I'm my only point is if I see Nike ideas under -- right in a row -- and there all sized medium which I am I'm buying the cheapest form. That's it now fighting a brand loyalty for items that. I don't I'm not sure there answering that's what I'm saying I don't amber and loyalty when I -- -- -- force one is the best quality holds. And if it's cheaper than I would not by a decrease. So. Phil Mickelson. The figures I we in on this conversation no -- no positive outcome of that option for me Phil Mickelson. Teed off two hours ago for the US open. And he had to have been an epic that right. Does the SEC said oops we probably shouldn't mention it is named an inquiry as he has nothing to do Phil Mickelson call for -- adult. Bald eagle pretty good -- -- generally considered most people hoping wins the US open this year he's generally considered a good citizen I think. Among. Americans and the the he get drawn into this hole. Insider trading investigation schooling that investigation. As a at least Carl Icahn is on yet. It had to do shares of Clorox. And it had to do one -- bodies. And in Las Vegas did knows icon and they all -- known for. -- but the other two guys were treating and apparently Phil Mickelson was now. At -- about says it and I don't know -- he -- Vociferously. Defending himself yet. OC. Site but having said that Phil Mickelson has been cleared yet so. Scofield was not clear. Is what's gonna happen whether casinos. The state is ready to give MGM casino license in Springfield. But this story gets a little more complicated time. So yesterday they took. Just. Exploratory vote the commission did TC if they would vote in favor of the MGM license and the answer was overwhelmed. So I allegedly V the votes tomorrow. But in the meantime they've had to have a little chat within GM because of this little problem and that's that the ST he. He's trying to decide if they speak. In court looking at. Weather and a lot there should be vote to repeal that's the scene if it would be constitutional to put it on the ballot and that's later this month he took their right so they're gonna make that to me only -- next month I don't remember that it was June 7 yeah. It could be. -- -- essentially ruling do coming yes -- a ruling dude come out of the SEC as to whether or not. This can go on a ballot in November that's not repeal. And the problem now is most Massachusetts residents would vote to repeal game. Well obviously according sort of what polls look like right up -- catapult AP. That earlier. So. If your granted the license so if MGM was granted -- license then within thirty days they have to pay an 85 million dollar licensing -- So -- refundable nonrefundable so what they're working out with the commission right now is. If the if they granted the license they won't pay the -- But if yesterday she comes back and the FTC says it's not constitutional and we will not be voting on it -- they'll have five days to -- The 85 dollars. Is yesterday she comes back and says it's constitutional. And we're gonna put it on the ballot in November. Then they continue to retain their license and go until November without having paid the licensing fee. If the state. Does not overturn gambling. And they will have to pay licensing fee. They're saying we will have held on we will stayed with Kia until November so we're gonna -- So now they're trying very -- that can bank gambling commission is trying to decide if that's a good idea. Is it this is just did a story that is it's a situation that hasn't been handled terribly well probably should've had. A referendum. On gambling from the very and a top right into it because this was something that was passed by the state legislature. Without you leave without all of us having an opportunity to vote on the right and is a big -- big an issue -- relief. Voted on smaller issues I mean we get a referendum if -- call on whether or not liquor store our grocery store should be allowed to sell liquor right. So if you have a if you have a referendum. On match. Why did you have a referendum. On. Whether you're not the -- the going to allow casinos in your state. Because there were too many special interest groups involved in guys on Beacon Hill -- in total control in a -- happened right. So now here we stand with this whole issue going on and you remember very. The very beginning as they started this process of these different casinos bidding for. These opportunities. We got out of Vegas we spoke to him and he said. State of Massachusetts. Is too stringent. To make this work as a business for some of these these gambling operation he told -- months ago months -- casino owners were gonna pull out the reason they're so steadfast in coming in here is that there's so much money. Sure you look at the wealth. With the New England. There's a lot of money that could end up in those casino and we we hear looked down in Connecticut and so we think while this is saturated -- you know but that's not really true from their point of view this does not look like saturated part of the country and in fact looks like a gold mine Mikey sent. But the problem is that we -- it's a difficult now that I'm a little perhaps. Here's your first trivia question of the day which city did generals Sherman present to president Lincoln as a Christmas -- In the year 1864. This is civil war trivia today if you know the answer to that question in the text us our text number 68680. Sponsored in part by Boston Duck Tours we have a couple tickets for the tour if you want them. Which city. Did Sherman present to president Lincoln. As a Christmas gift in the year 1860. Poor 68680 or text number we're coming right back. This is the financial exchange on the financial exchange radio network. This is very are strong and I'm joined today by estate planning attorney Todd what's -- from law -- of crushing and dole and with your financial exchange quick tip of the day. We're talking about techniques that can help protect your assets from the nursing home I have to ask you if your spouse. -- goes into a nursing home or you have to keep any of the house assets and thinking about I've heard the term used community spouse resource salons. So -- got two million bucks. And your spouse -- in the nursing home hunt for Hamachi allowed to keep. You're sitting down I'm ready it's a whopping 1171000. Dollars and change at a two million. Two million and remember it doesn't matter the only assets it dump everything. On the table and not your game would feel we have a million is still 170 yeah I don't care. -- -- -- -- 170 if you'll uttered in at least you get on the entity but that's -- but -- at that point is it's not a lot of mine known political rescue iPhone it's certainly not invest you know what it's like to generate income for people. Generating income that a lot of money is difficult. So that's what they leave you with now they they only allowed institutionalized -- to keep 2000 -- so that even last. So a 117 folks I'd like to protect the butt of that two million that you used in your example -- I'd like to -- you protect all of that aura an alien you know where advanced planning needs to come in but it is the last minute situation. Please don't go it alone there are some things that can be done last minute received the assets. Otherwise you'll get a 1171000. For your life Jerry. Do yourself a favor and -- request this brand new guide available from Cushing and old. The phone number is 8668485699. Protect your assets from the nursing home. Call 8668485699. While your assets go to the nursing home when they go to your children your grandchildren your nieces and nephews call 86684856. 99. The experts at Web.Com what to build your business a successful website for free just like they did for these Web.Com customers we used in and looked at other website designers. There's nobody better -- duck. Web.Com can have your website built for free and often running in -- little seven days plus promote your site on all the major search engines like Google Yahoo! and -- if you're in business today and you don't have a plan presents you won't -- taken seriously call now to get your website built for free if after thirty -- you're happy with your new website we'll continue to provide promotion -- support and maintenance all for just one low monthly -- -- not cancel and pay nothing. Call 855254. Site 855254. Best ITT. 8552547483. Or go to Web.Com. Slash radio. There was no protect them and that's equity what you place right to take relinquished what it is and unless otherwise purchase. I had to line and appear worried about your character Loveland living alone like I was. And you want reliable senior care information. And call a place for mom. The nation's largest senior -- referral service you'll get free information on assisted living alzheimer's care nursing home. Even important financial information. They had obviously researched every place not just given -- They Downey plays through which you can afford and it was magnificent. -- now. Very confident that she's safe and they just helped every step of who to thank them. So if you're struggling to find reliable senior living information call place for mom this is a free service and you can trust them. If you -- struggling to find reliable senior living information for your mom or dad didn't call or go online to get the free help you need during this turbulent time. Call now 804677530. 8046775. There have recently met a couple who had a thirty year fixed rate mortgage at five and a half percent. I suggested that they refinance with leader -- they were Smart and used a ten year mortgage two point 99%. The monthly payment was a little bit higher 300 bucks -- night. 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Okay. City did Sherman was sent to president Lincoln as a Christmas gift this year 1864. If you guessed Richmond to a wrong. Against Atlanta. If you -- -- guess that's who had a Somalia and encourage guests. We're Charleston Charleston yeah that was not correct. The correct answer of course was Savannah Georgia who knew the answer if this is great Marcia. Knew the answer she's from -- she's to conduct ticket she is originally from Savannah -- yeah that is now. She used so that's pretty cool so congratulations to the listening to fact check here can Sherman general Sherman after he retired I believe resided in Boston. NC park factor police paying attention -- I would imagine me as -- -- be in in a minute here Angeles now. Let's go through minimum wage is this Massachusetts panel has reached a compromise. On a minimum wage hike is this gonna get signed into law let's first all of but it would it is and is an announcement when this you're the senate had our. Come up with a plan. And house never came up with one so on it and you know there's a bunch -- wrangling in and finally they did so now look at these compromise committee that's come together the conference committee. Currently it's eight bucks an hour it would be three dollar increase over the next three years so the hourly rate. We go up to nine dollars January 1. And then it would go to attend the following year and eleven by January 1 about seventeen been. And can make this was among the higher in the country thank. The city the -- not not mean that -- got fifteen dollars you know but that's that's actually. This that's this city of Seattle right that's not the stable is a city state of Washington the city of yeah. Is invoked a and fifteen dollar minimum wage. And then a federal contractors -- President Obama the ten dollars and ten cents per hour is not enough. Minimum wage and gave minimum wage debate is continues to as just racing everywhere there. Well you know workers are on the picket lines. You know -- about -- They're making people talk about it the president has wanted to raise it along so now it just becomes a matter of who how much -- he can drama and the -- and he's always got executive order in which seems to be wielding quite frequently pay fees to really get anything done. -- -- has ended lifetime parole supervision for sex offenders what is going into it we -- this happen in the state. He just happened to losing a close. The vote of 61. They voted against this so why it's so so sex offenders who get out. -- -- -- and I have a real strong feeling that's accident is being on the streets period. Now riding in a supervisor that morning supervisory they'd have to have some of them would be -- would be sentenced to lifetime parole now. If a parole officer shows of their front door in time to go jump. So. You know we've got a hundred and something. Former inmates who. This little -- and another hundred something in them in jail you know who. Will eventually get out and this will -- so we're looking at about 300. Sex offenders in this state we are going to be out unsupervised. And I think. I don't know I'm assuming that they still have to register as sex offender so we can still look them up there just isn't about. But you know what -- coming coming these. Guys get around me they -- to register guys and women. Well you're right you're right that's fair statement. About how many of them are even registered I have to wonder how many even register. And now will be anybody check and receive their right -- actually go to you see how many sex offenders are in your town where they have redundant if they've registered -- They eat the yeah but it yeah redundant I. Yes well you know what my town I hear this read this experience about oh gosh and eighteen months ago or so. The patch actually said sexton moving into town told who was covers moving a little bit that was sent out to everybody. Back checkpoints here. I missed the last part of that what did you wanna know Sharon that he retired Tiki after the war he lived in Boston. No he actually in New York City you -- or Teddy Roosevelt's. Social club. But he became the general the army after the war and the retired in -- -- right. And then can you also -- up for us on the fact check the web -- -- for -- -- with the have sex offenders in -- inaccurate. -- use and looked at that wanted to see if they're in our town and there were a flexible all. There everywhere right there it's it's it's kind of interesting to my experience has been that frequently on sex offenders will live in the same place together. Maybe it's does that concern by some of the other people oriented very limited house I should say. President Obama is offering shorter sentences for 20000. Drug inmates has gone on here this is something to do their holder. -- -- -- Decided is that. You know they're holding all of these drug offenders. Nonviolent not it will violent and nonviolent but what they've decided is that there -- At first the decision was that they would cut off. About two years on the sentence of drug offenders. And that would that there would be about 50000. And it would be Al retroactive could be -- weird to be about 50000. Inmates who would qualify for us then the decision was made that if you were arrested with a weapon. They knew what qualifies this drops it down to about 20000. So you know if you're somebody who was selling drugs -- behind the school. Or you know you they -- Boston in your apartment in your smoking crack cocaine. You would be eligible for cutting about two years off of your sentence and the idea here is money. When a point three billion as though is point three billion the house these individuals for those extra two years. -- And how much it's gonna cost though you know I was in the become productive members of society. While girls. I don't know I don't know I don't know if we -- an -- give us an answer them or what are they studied a wonderfully considered priority like what is the what's the work history of some of these somebody gets released on drug each -- should be of the figure that exit. Okay we've had you know 101000 guys released -- after serving their time. What happens to let them do they become productive members of society here to go back and commit more crime. I was it is a big catch. -- I don't know the answer is that the dozens -- -- -- -- I -- -- -- -- I -- from front to back. I would imagine there's a lot of these people who -- under the age -- thirty. So they certainly could be productive parts of society should they decide. I don't know I I don't -- house them. I think there's other people who should be housed for longer periods like sex offenders right. The you know I think that. We I'm prepared to provide a lot of housing for six yeah I would be too and -- say let's let's do get rid of these 20000. And let's put those guys back you know in jail of the ones who should be there. Are we should be keeping track you know so. I'd. -- got his the national want to go to family watchdog -- US but there's one from there's local its nominees you're you're gonna go to that would include you pictured it snowed in or whatever right has stuck on the new contract proposal davis' family watchdog dot US -- actually -- you have hander carried out but left it. In. Need of yet. Check your hometown and he DEB English artist Les -- -- you know you look at it's unbelievable. Are when we come back for hurdle that builds gonna talk to about three stocks that are ready to break out he's a stock analyst over thestreet.com. He has three stocks -- Three stocks that are trading under ten dollars. And he thinks they might break out that's next on the financial exchange. Few extra days -- on the -- You networks. Times are changing in your retirement plans are changing with -- hello this is very Armstrong from the financial exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your own retirement. This involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with 810 step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for a prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors thank Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliate. When it comes to retirement planning you know the difference between the accumulation phase and distribution stage hi I'm Derek Greg our co-founder of SHP finance. In your working years your financial professional specializes. In what we call the accumulation phase there experts and helping accumulate your wealth while -- working. But if you have less than ten years before you're ready to retire it's crucial that you meet with a financial professional that specializes in distribution. Since 2003. At SHP financial. We've been helping clients transition to the distribution phase of retirement we -- clients to create a retirement road -- With a complete plan for your income investments healthcare taxes legacy in more. So if you're within ten years of retirement or retired. Give us caught SHP financial the schedule a complimentary no obligation consultation. A 5087446185. -- log on to SHP financial dot com. Hi I'm dying -- -- I'm a senior Medicare patrol volunteer. -- program sponsored by Medicare and the US Department of Health and Human Services help seniors trying to protect themselves from Medicare fraud and scams. For instance if your Medicare beneficiaries. And you're approached with an offer a free medical equipment or services watch out. If it sounds too good to be true it probably -- call 1800 Medicare to retorted and go to stop Medicare fraud dot gov. To find lots of useful tips and important information. About new fraud fighting tools that Medicare now -- thanks to the health care law. You resource is to help law enforcement cracked down on criminals and return tax Payer dollars to the Medicare trust fund. And how you can get involved in the fight against five. Gotta stop Medicare fraud dot gov and help make Medicare stronger for all of us a message from Medicare and the US Department of Health and Human Services. Who's watching your home when you're not there it could be burglar or burglars prefer to break in when they think no one is home and no one will stop them. Don't be an easy target for intruders protect your home with a free security system monitored by EDT the leader in home security. Call now and get free hardware free medical and fire alert and free activation it's an 850 dollar value call right now and you'll also get 63 sensors that six -- -- protection for free just call protect your home authorized EDT dealer at 18889873232. You'll get 24 hour protection and -- no cost or parts or activation. Call now about a free security system monitored by EDT. Call 1888987323299. Dollar installation charge 36 month monitoring agreement at 3599 per month total package includes six store windows sensors labor charges may apply call for terms and conditions to this offer and protect your home license numbers called L 18889873232. Called him on Twitter -- KG character and it's Barry Dobson and Jerry game. On the financial exchange radio network. They give him earlier this week -- -- saw shares of identity stolen 233%. Today. Our guest referred to dole has identified some stocks and he seemed to be at least the first Wednesday Biopharma. Stock and he feels that these three stocks are all trading under ten dollars. Are ready for a break outs and we're talk to Roberta about the stocks right now Roberta -- things. Good hey let's talk about he will resign therapeutics. Yet they're guys that analysts -- -- -- it got upgraded today yup. They audit of -- out at UBS. And UBS said -- like the pipeline that's what they think the stock is undervalued. Valuation perspective. Of a twelve month price target of sixteen dollars this year. The reason that stock popped up on my screen. Of the other bit -- You know on the technical traders are looking exports everything -- and it -- -- and this stock was set up for break out basically. Above 975. It has been up training for the last you know almost a month yet today were hit that break out. Off the analyst upgrade so you know this is what happens -- -- -- -- anti beat analysts -- What today is -- if it breaks out here. Beat you with the upper limit on its it's been as high as eighteen dollars a share during the last year. Yeah on it'll basically. You know what I look at which partly -- -- On. While at a Beckham or what is the Internet stocks so on the super pattern all higher low. And higher higher -- of bull -- because what that tells me is. Is trying to stock -- not letting him back so oil prices low the last. Actual that this answer cumulative that activity. That outlook for break out that he would take out prior to that level not about to note here is that the -- -- Rick you know came to a preview kept. So when that happened these stocks can also go a lot higher I mean UBS has pretty. Target -- -- sixty dollars a share on. Their -- the stock is -- dollars. -- seeing you bring it up for ten dollars. DT US. It's trading at a dollar 55 a share from what I can see this morning. Real small company would it would BC and charred on this when they feel like. This sorrow all sorts -- Roland article this would absolutely like animals here who can. And you know this company -- a development stage pharmaceutical company. They're working on all commercializing products for gastrointestinal. -- I like about this short. First all the politics -- is read outrage now on there's there's stock airlines -- -- a huge today they got positive. This this reminds me a lot of care on because again we have a huge gaps right -- vote. -- observer post where. Pictures district right now that gap. Back bedroom where it's almost five dollars this year. And right now you know the stock has -- alternative the last month. -- sense to the dollar could buy it it's -- -- -- now -- I like about this is we've had Beers outside while it is. In the -- You see the -- already on this one today 600000 shares already. Don't -- commitment and I'm going to read out traders are traders are. Oh burst into the politics after just like are ambivalent yet and they're looking for the next Iran they're looking for the next I'd panic right. And you know best thing about the stock. You know you could take got a dollar in debt down -- Heidi. That's weird you know the fireworks start. -- there's almost no resistance -- I mean there's resistance but there's nothing there from the we just haven't read it will be used to actually get that -- -- -- can we make -- move just like Carol. So this sort specifically is one that -- because of that gap especially with all my real life. All right. Well listen if you want the third pick you have to go to Roberta site is this on thestreet.com Roberta. Yet it's on thestreet.com -- they're also -- stock -- dot com. Apartments were her words. Of the articles. But most of all every. Very good -- thanks for your time. It that's Roberta don't look them up. Today he says a lot of research that he's doing committees come up with some great stuff in the past I know there's a lot of our listeners tell -- a lot of money and yeah. But what did you make him a daily -- have a promise he's too busy Bryant Bynum you know these are usually limit them on periodically. -- when we come back Kim Kerrigan's gonna tell you what our Boston City Council is doing and how they're spending our money you're gonna love this story I'm telling you need to stick around. Breaking business news first Eric Armstrong. Okay over your own network in the face and we met he came in in the face paint -- -- wow. He informed me fishing you know there's this vehicle which. God -- use to bring our life together. And. That is powerful -- my name is make CNN that my husband today and cut spending now. -- Christian legal dot com today and find -- match for you. Joining is easy and free. So go to Christian -- dot com today. If you're like millions of hardworking Americans who decide that the craziness of Wall Street and Washington were too much to deal with so you retreated to cash them listen closely although the idea to protect yourself was good. We are now are realizing that earning next to nothing in the banks just won't cut it. Alternative investments that provides safety and interest is high 6% just may be perfect what you're trying to do I'm Derek -- message. I'm -- can turn those lousy savings accounts around call 5085915444508. 591. 5444. Or visit us on the web at www. SHP financial dot com. Every day that goes by we don't earn money at the dollar continues to shrink in value is chalked up in my book as a loss turn the page on low interest rates but thousands of new englanders have done over the last few years. A look forward to helping you -- call 5085915444. That's 5085915444. Hey Kelly so we Jardine and renounced. -- just me here jamaat I got your newsletter pretty fancy photos coupons to run with it hole knowing silly I -- Constant Contact really. Constant Contact dot com it's so easy they make me look like a million bucks and emails -- really work oh yeah they got you when he today didn't it. Trichet. Constant Contact dot com and plans as low as fifteen dollars a month with a free sixty day trial. Text your questions or comments this X 8680. -- and Armstrong and Tim -- hit on the financial exchange radio network. The cost the City Council voted unanimously yesterday. To guarantee. Transgender. Municipal employees is their dependence. Access to gender reassignment. Surgery hormone therapy and mental health services. It's got it. A body needs. -- thought that story need -- so the bottom line here is that this this state cannot contract with any health insurer that would deny. They they will that I have no impact. And the movement in Massachusetts victory. An interesting story about Massachusetts today we talked about it learn from Massachusetts. Again it's serious illnesses like would be boring. It's certainly would. They really tell that story about the New Jersey doctor. Skinner just about this on I I didn't come this one side of -- for. Been following -- -- at the very prominent young cardiologist and a New Jersey and he gets a bill on his credit card for 135000. Dollars that he supposedly. Charged in the strip club scores. So he says he didn't he didn't do it he said he was drugged and that he never ran that a lot so. American Express did forgive the bill that scores went after him to suing him. Well -- would be anything standing by this the whole big mistake and part scored well lo and behold this week they arrested for strippers and the manager of the club and it turns out that. There have been numerous men who had been victims of this and the way they did this apparently so the prosecutors has. With these women would go early in the evening out into other clubs. Other bars and restaurants and they would you know -- -- in the bar and find themselves a man who seemed. Quite wealthy and seemed intrastate. And then when the man returned his head they would drugged him put Molly in is drink. And then they after that taken effect they would get even can't take him to scores -- credit card and from from star 135 -- Ed and David you said that there was a guy from the financial world his bill was a 150. Thousand dollars. -- with you don't hear the EU is the work in years something that he was running up. Strip club that's. This and Crete wonderful how these guys that are out there -- Deliver comes and it's L honey I was in me in Boston drug and we you know I never went into the guys it's Dave Wright -- I got you -- need to invite into your loved ones like -- -- -- well -- it was interesting is this just keeps saying you know I did do this I did do this. -- they -- say why we're -- guys coming forward while other guys it would come forward ultimately they get there at the app I will say they see that come in and they don't tell their life. Comic. I don't know I remind you that'll TV series numbers the -- are -- up. That showed up -- bottom they remember that David air strip club at the university for some. You know prayer for. -- -- Alan adds up. And it organism -- strippers you're in jail -- if you see the the that marijuana growing operation -- edged out I found. Out as a painfully well thought. A lot of care was gonna die and he saw smoke. -- -- -- -- It probably could get the firefighters to leave the -- The firefighters that will stay true that it did not right now and it. Sure did dollars worth of pot plants at that place 900 and yet 480 planes. Strewn across the apartment and it could produce up to 960. Pounds of marijuana. It's a 35 year old and it they have not identified him put his name now. It will will it be a bad thing if we. We'll let you know say he was drugged before he started going I was pot plants -- the general public there they or he's gonna say as a sore arm and uses it for medicinal purposes. Bad shoulder here's your second trivia question of the day what was the name of general Robert. You remember the team that works that's our trivia question succeed CDs are. Text number let us know what the company general Robert. -- -- -- -- -- Your favorite news photos and sports updates on your phone when HP mobile from the Associated Press the new AT mobile is now available for free and iTunes AP mobile where the news gets its news. Hi this -- alive and from financial focus tune in each morning from eight to nine right here -- AM 11:20 am thirteen ninety. And dead money matters boston.com. Times are changing in your retirement plans are changing with -- hello this is very Armstrong from the -- to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your own retirement. This involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with the ten step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for a prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors thank Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliated. Some nights -- can't get to sleep some nights I can't seriously if you -- some I can do both. You get some sleep tabs are clinically proven to help you fall asleep 33% faster and keep you sleep longer to you get a more restful night's sleep. Meet with an ingredient not found another leading sleep -- -- -- some sleep tabs are safe and non habit forming just one -- takes the answer in the other -- giving you this -- you need -- wake up ready to go. You know some sleep chads fall asleep faster sleep longer. Very are strong here with your financial exchange quick tip of the day today we're joined by rob Gallagher rob is the president of Ross mortgage company. Rob a wanna talk to you about. The negotiating process you know you're you're twenty years old you're buying your first home the biggest -- -- your life how do you go like how does that work for -- Young family that's trying to buy their personal. First thing you gonna do as part of the real estate agent that's gonna help you throw a lot of it we're gonna get your pre qualified today when you combine that. An agent is going to be invaluable in actually negotiating a price and making sure the price you're paying is actually recommended value but don't they represented the seller. The listing agent does the buyer's agent -- -- the paid by the seller is representing your interests okay so. Negotiation process. The your buyer's agent is gonna give you a recommendation as to how much you put in on yes it's ultimately the -- decision as to what to offer but the agents gonna give you an idea what it's gonna go for it and what you -- all right so you've negotiated your price. Now I go through the home inspection process. And your home inspection looks like a bad report card slots season -- on every home inspection is gonna pick apart every little thing that could be wrong with the house because the trying to protect themselves and you. Really what you do if you look at that as a tool to renegotiate so there's anything that substantially wrong -- needs to be fixed now on inspection can help me get a break on the price. Folks you just heard from rob -- talk about the negotiation process and the home inspection you don't want to try to buy your first home without reading the first time home buyers guide made available to you exclusively from Ross mortgage call this number. EDD 89860060. Don't buy your first home without reading this guy 80889860060. Maybe you're already a homeowner but your kids haven't bought a home yet. How to read this guy 8889860060. It's the first time home buyers -- made available by Ross mortgage. License in Massachusetts and you -- equal housing lender and and number 208 ranked -- the small 1% return educating from CDs. Money markets and other traditional safe investments. What do I told you could -- fixed returns of 47%. On investments that are secured by top financial institutions with no market risk this is -- telescope on their SEP financial and the host of road -- to wealth -- on stations throughout New England. If you're currently sacrificing. Higher interest rates in exchange for safety it's time to consider alternative investment for many years our clients at SHP financial have taken advantage of exclusive structured settlement transfer investments. That offer interest rates as high as 7%. There -- also backed by some of the world's largest and highest rated institutions. To watch a video about how these alternative investments work. Log on to SH peace settlements dot net. While you're there you can download the free structured settlement investor's guide. For free guide in on my tutorial log on to SH peace settlements dot net debt SH peace settlements. Dot net. 3 AM you guys really are always there for me 24/7 that's like that is the my mother. Is. It like Steve. Gilchrist and least stink. Ma am pleased to pop up -- Top. Okay Kristen quickly back. State farm is there for you 24/7. Like no one else can get to a better stay home 100 state farm today. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Trying to sell your old car instead dealt a major vehicle to heritage for the bride pick up these -- and your donation is tax deductible just call 1808958035. Heritage for the blind accepts cars vans trucks and boats whether they run or not donate your vehicle and you'll receive a free three day vacation voucher to over fifty locations. Call 1808958035. That's 1808958035. Yeah. While its hold on your checkbooks and did your portfolio break. It's time for the financial exchange with -- -- Armstrong and Kim Keller again for. From Wall Street to your street Berrian -- -- you -- -- -- the financial exchange with Barry Armstrong and gene Kerrigan. Hi everybody welcome to the financial games. In the first hour. Yes he was. What was the name general property in -- -- many of you knew the answer was traveling white horse that he -- off after you sign this. You know the surrender. If horse's name was traveler who who I -- new series from stow Massachusetts different Ari here. Here at the financial exchange we try to make your wallet a little bit fatter and we try to make your waistline a little bit -- And mr. felt like a little healthier little. But with and it's supposed to say that -- David they David's left and -- so anyway. Once a week we are joined by a wonderful nutritionist from Boston University. And boston.com name is too old Celgene -- you guys aware of Akron. -- We do she's also blogger on nutrition in new in Boston that can be street tech and don't hi great to have you with us again crack -- -- out yesterday very and I were talking a little bit about to diabetes and how many Americans have it's it's shocking 26 million Americans with diabetes. And I was reading your blog this week saying that 79 million adult Americans have free maybe. That's correct that's actually you know I. Here at our university. You know over fifteen -- and I can remember him which is very much education act -- over 200 students. 1015 years ago I -- that. You know zone -- -- be you know in maybe 20% of the students that they. Alan I say that opening to. Me it is just mind. It's prevalent it's it's and they what is it. 25% of the population has it and another 30% design and at risk of getting brightly stats are. That would and the public if that is quite sick leave and have been beaten very very top of the public creek right. And I can patiently abiding individuals may have had a higher than normal blood glucose complexion of that book by. Quite enough because the lady. What's a symptom of that I would -- know let's say you're on the edge like that right near. He aid but you don't know you're docs never told you got diabetes. I agree that's great question because they're -- is. That you immediately with the way things we -- for a check up. And maybe if your doctor would do -- blood -- To be able to. You know it took -- too -- how ever. My. -- -- -- dot com. You'd definitely to a CD CDs. Disease control -- that would -- you if you act pre pre diabetes. Will always -- at risk due to bad idea regret it. Importantly a lot of it over the age of forty spot right back and put my hand that's OK if it you're overweight. My hand up -- K okay do you have a parent with diabetes. No and I had a grandparent right dig out okay AME a little bit and -- -- -- -- you know our outlook Barry. This one doesn't think could this deal with Q but -- picked you you'd had diabetes you prick -- for example it tastes you. And though. Would be increased -- respect even though maybe it was the practice East Asia have the baby you know longer have to say beef but down the road -- -- come back. And then -- I want -- -- physically you're not act back at -- looking. At all the project that took yeah you go well. -- Don't know how many -- when you look at do the population that is diabetic or how much of that population -- Self imposed diabetes -- 988 it's a lifestyle issue as opposed to genetic. Right. Well buried the problem is that an excellent question is what we see -- as people become more and more have become more -- -- These incidents a tight and died. Are you increasing rapidly in. That's that's self induced. Right well that's -- that it here. All the way right you're not. Could good guys -- -- you know you know wait wait wait wait for the news should be did not exercising. That the obviously you know -- the project higher risk. Barry I have seen I've dealt with. Clients. We very you know. They've become this portal on pre diabetes. And do put that on healthy guy you'd get them walking you get into the break and bingo. Kept the knowledge that comes accountant. So it really really can have an impact. -- you. Added that. Pre diabetic. You know in the air by looking actually looking into it. So Joseph much has really -- but this blog Tuesday talked about what that cost us as Americans mean. And primarily to what we're talking about this type two diabetes read what that's costing. Right -- estimate it it was a steady at that they've kept him in the journal of the American Medical Association this week. It's estimated that one in at least -- -- to your diet dollars. To get to -- to blanket and -- forty by billion dollars annually. Goes to those ten hearings that -- beat. -- can -- up like I should they don't want to play that cost. Not just -- -- -- you know detector testing netcom Italy beat an excellent -- and medication you take what you get eight. But the long term complications. If you don't have good control of people actually this. And -- tactical and controlled diabetes approach the level it is developing kidney -- his seat ticket stopping to increase interest at heart disease at. -- Beijing problem. I mean these really really a lot of street expects. That really will be problematic for the current health care. Tony -- as a nutritionist have you ever seen an instance where somebody has diabetes type two diabetes. They begin exercising in the change their diet and then the diabetes goes away he talked about pre diabetes what about full blown your. You're taken pills for diabetes but you shocked or shot. You let the type to I think is a pills. Right well yeah good day what happened is -- to. That the legal sparkle off which exceed diet and exercise can internally a collection that they are people who habit if they jumped on it. Right away and looking at -- deliberately kept died and control they don't have to take any indication. But still -- that maybe don't do that maybe I'll start off on medic in each. This type two diabetes means when you have that in fact he either the technique is not producing enough instantly. What -- channels are -- more. And B 52. Polluting the weight -- Increases you'd meet this and I sit -- decide between is -- resistance and -- that they'll become paper had you know take up to the sometimes you can get out that not having to take medication and get complexities stay out without you know which -- 10. What is challenging music you get to this state we have to inject in the room and means that you patriot is no longer. Being able to produce enough that they even with the medication and learn a problem. So now you can you can get off the hills pretty tough to get off the insulin ready to -- the elections. That's it but you know the good and that's why this whole idea pre diet that's what people say -- cheek you know you know. Prevention is always the -- to absolutely right if you got if you. So what's a sign of diabetes like a -- that he is going to the bathroom a lot. I was Atlanta I'd be a putt on -- act and act act could be a sign it that that could be you know just not feeling good. And you know you know bet he'd get detected the age of forty find -- he should really start to see a doctor and I think is that they are that -- it check up. So they'll pick -- up in your blood of course definitely a good good good health care that's right but captain I think you know. Unfortunately. In -- And now for apple. I've I had diabetes that you know he'll have a relative site beat you need to think he'd be on your radar he needs to be on it. -- grade I have to thank you -- even kind of looking you know his body grandfather had died let's get let's give you objective read a lot you know. -- topic is. Well. It's it's a real problem in this country obviously it's constant it's a lot of money it's cost him a lot of people lot of quality of life that is for sure. That's -- But the good news is that many times your insurance company will pay for. A visit with a registered dietitian nutritionist who could. Kick out of state law. Let's change it died. Elected to walk in her back in let's get likened to wait a back seat and hold it before it gets to the second level. Else that I put in the lot this week of the people we get there insurance means there. They are a lot of re arm. Our community. Back to help you better manage it they have because -- an American Diabetes Association. In the national diabetes. Convention broke up a lot better streets and need to get you to the point where a better standing. What's going on a bit of what the lifestyle changes need to pay. Terrific thank you don't get mr. quick question do we go how often do you write. I -- at least we okay terrific so again it's nutrition and unique confined to boston.com thanks talk to next week. -- -- this has nothing to do within nutrition horror. Your health but it does have to do with the help of your portfolio. In -- were talking about a guy related to tax efficient investing one of the things he wanted to do is. You can buy stocks and make lots of money on your stocks in your mutual funds and your investments but if you pay it all out in taxes doesn't do you much good. You should learn about tax efficient investing how to invest without paying a whole lot of taxes. The way to do it read Vanguard's guide on tax efficient investing is only one place to call to receive this guy -- given the phone number it's 866. 8106422. That's 8668106422. Do you wanna learn how to pay less tax income tax capital gains tax. On your investment portfolio. -- -- call 866810642. To the guide is produced by vanguard -- teach you all about tax efficient investing 866. 8106422. Kim I also saw an article on medical news today. Regarding stroke risk of being lowered with a high protein diet. -- 20%. You can you can -- -- And you know it's amazing. Recurring and our new strokes 795000. Americans every year you know. And 137000. Americans die as a result of that. And it could be as easy and it could certainly be. -- help. To increase the amount of protein that you -- in your diet every day. A few twenty grams protein consumed each day and stroke risk goes down. By 26%. To notice though it's a certain type of protein. It is not -- -- it's not pork it's not chicken it's fiction it's fish. Ready to it's it's those -- its Omega three now that that makes the difference. So you need to put that into your diet someway not I don't I believe a lot of it was just -- like fish no but I I think that part of it too. Can be taken in through. Through settlement. You believe in that supplements will. I've always been an -- stared -- a lot of things about you know. Vitamins and pills like your vitamin taker well -- not a huge vitamin take term really not there's just a few things that I that I. That I take IT fish oil -- I do. Every day take calcium -- some a woman I'm gonna start taking that -- raced east yeah you can take right rice in Bogota. But I do I would I would highly suggest that if you're somebody who's at risk for a stroke you know again that same thing that she was just talking about -- your family. You know if you're overweight if you have these kinds of issues. On this may be something you'd wanna look into because. Study that looks like it's really conclusive that that definitely does help. Then there's another study this came out of science daily they found a leukemia drug. That is been found to stimulate immunity against many cancer types. A class of drug currently being used to treat leukemia. Has the unexpected side effect of boosting immune responses against many different types of cancers. The drug is called deadlock. He want -- and something yeah it's called he won ten in the hasn't a symbol opinion now inhibitors. But any rate. The year the -- They found that this drug. Is creating stopping other forms of cancer. So against science daily is the Wednesday it was just posted this morning. And it came at a university in London I. I think -- we see here at about these kinds of findings. The most interesting thing we can all glean from it is that they're they're really close. I just feel like you know each each and every day we're getting closer and closer to figuring out. What is causing cancer of the way it it it does it do the curse. And we hope in the next step is to figure out what we can do to prevent. -- we can treat a lot of it but it would be great for you just prevent and I just from these kinds of studies I just skip the idea that -- It was a little bit closer every -- here that. Smoking is going to be banned on -- speaking of cancer. Smoking's going to be banned on six Cape Cod beaches just came out this announcement was made yesterday. And the big -- if you if you caught smoking and. On those beaches the beaches include. Coast Guard beach and not -- -- beast beach both of those are in -- Marconi beach in Wellfleet. And head of the meadow beach -- -- and finally race point beach and Herring cove beach both of which are in Provincetown it's now going to be illegal. Smoke cigarettes on the beat the other doing it. Because of secondhand smoke has said that had so many people who complain about it and while that may seem it's sort of like a strange idea the -- sitting on the beach in between dean and what you know secondhand smoke but. What they're saying is that we get to peak times of the year when people are on a beach. Those -- pretty concentrated beaches and people are sitting pretty closely. So it is a bother for someone that you're sitting I would wanna sit next to smoke. I wouldn't want to our daughter was an extra smoker anywhere quite frankly anyone else I don't want I don't want cigarette butts all over my beach rate. That is. Eighties probably a bigger problem. Then the smoke itself so. I don't think that such a bad thing in the I think I think most non smokers I don't know that -- so used to being banned from some. Looking anywhere anyway it is a dozen news to them there's there's other places they got to smoke. So how many loads of laundry DD per week. I do it's in your house not you personally that we knew. And it got to kill I personally doing it yet you -- means you'd like to treat kids. Yes I don't do. That is when they get old enough to reach the -- That's when they start. Thank you like. I've been thinking that this -- yes I'm gonna -- -- still coaching you absolutely and I should say I'm not doing this laundry in a learning of it there on my lord it's terrible teacher. I just -- -- actors is that we get this right one possible we have we -- -- or four of us in the household but it between the four of -- and I've actually counted this. I do between eighteen and twenty loads of Washington -- week. Is our dryers here in the United States are very inefficient. As compared to other parts of the world and that's right. -- -- you know we have gas dryers and electric cars and electric -- in my house easyJet electric that your pitcher does well. And those electric cars -- the real problem. We're spending as Americans on average nine billion dollars. A year on inefficient dryers and that's 75%. Of those are electric I. We could be savings from four billion dollars a year if we used to the kind of -- hires that are used overseas like Europe is more expenses I don't know why they must be more no more. Expensive immediate needs a change in in the wind at their cropped up in our homes in that kind of thing. But they. Over in Europe spends on average about five billion dollars a year on their dryers vs what we're spending over here which as we've said it's more than we stand on for generators -- -- refrigerators are washers and her dishwasher is combined -- We are used in our dryers more than the three combined. It's impressive impressive no doubt -- Did you see this story about Bain Capital and Goldman Sachs. I did I do I'll read to the beat everybody -- Beth -- from the Boston -- covering being capital agreed to pay 54 million dollars to settle. A class action lawsuit. Alleging that the Boston firm. And several other major private equity firms colluded to keep rivals from out beating them on giant. Buy out deals Wall Street's Goldman Sachs incorporated also agreed. To pay -- 67 million dollar deal 67 million dollar settlement in the case. Which has been widely watched in private equity investment circles. Both Bain and Goldman Sachs any denied any wrongdoing reliable he -- I didn't get into. I didn't do anything wrong but I'll pay you 54 million dollar say stop talking about it yet -- understand what they're good here so they while they were obviously keeping. Did -- they were all working together with the prices to keep the people they would call Morgan Stanley or Merrill says look we're doing this buyout deal. And we need to be part shares in under sixty dollars in order to make work so we don't want you to -- negates that signal coming in on this stay out of it. And then next time around when you're trying to buy some call us and tell us and we able thing out that was its its collusion among the big investment bankers. And. Just yet another reason not to trust Goldman Sachs story through them. Have never been terribly 121 billion dollars between Goldman and Bain. But neither of them did anything wrong note neither admitted. You see this story about the shellfish processor and temp agency they were fine in the workers that that's cute guy case 35. -- guy's name was Victor arena he's bother five he died shortly after midnight on January 16. After he became entangled in a rotary turbine engine while cleaning jammed clams. -- shocking machine. This reminded users that ridiculous thinking about that story about the Bahamas -- the hottest place evaluation all reverse -- that's right. It's both instances there's. Evidently in the machine shops straighter in the in the factory. You're supposed to tagged the machine yes turn off the power Hindus right and things on while others in there. And invariably they leave the months because it's living it right it's easier way to get -- master right. But what they're supposed to all do and like you said it had this teach all of their workers that you turn them off. And you just have to go through the process but the problem is always the -- issue. But the employers are -- we do teach them to do it in and the police are saying -- don't give us enough time to do it. In less -- machines on if the machines on it becomes a very dangerous task. Clearly rate went back to people this year buying up neatly -- reminder that the lawsuits costly lawsuit. Millions -- that chair right here is your third. Trivia question of the day I will confess it is neat trick question. What was the first capital city of the confederacy. If you know the answer to that question needs in Texas 68680. Is or text number and of the four questions -- you -- received today this is the only trick question. What was the first capital city of the confederacy. Are -- number is 68680. Year. Your -- surprises beach town coffee -- T shirt. When we come back we'll be joined by Lisa -- from Bloomberg News is serious civil war within the Republican Party as a result of air enters and lost. In Richmond Virginia earlier this week to talk. This is the financial exchange. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 54 port four times are changing your retirement plans are changing with -- hello this is very Armstrong from the funny to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your own retirement this involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with the ten step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. An advisory services offered through securities America advisors and Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliated. Hi I'm Joan -- and appear worried about your parent or loved living alone like I was. And you are reliable senior care information in call a place for mom. The nation's largest senior living referral service you'll get free information on assisted living and alzheimer's care nursing home. Even important financial information. They had obviously researched every place not just given me names. They Downey plays her which she could afford and it was magnificent. -- now. Very confident that she's safe and they just helped every step of who -- them. So if you're struggling to find reliable senior living information call it's for mom this is a free service and you can trust them. Help you if you are struggling to find reliable senior living information for your mom or dad didn't call or go online to get the three -- need during this turbulent time. Call now 804677530. 804677530. The experts at Web.Com what to build your business a successful website for free just like they did for these Web.Com customers we've used in and looked at other website designers. But there's nobody better equipment dot com. Web.Com can have your web -- built for free and often running in his little seven days plus promote your site on all the major search engines like Google Yahoo! and -- if you're in business today. And you don't have a plan for instance you won't be taken seriously call now to get your website built for free if after thirty days you're happy with your new website will continue to provide promotion -- support and maintenance all for just one low monthly fee if not cancel and pay nothing. Call 855254. Site. 855254. SI TT. 8552547483. Or go to Web.Com. Slash radio. There was no portrait of -- that's an equity over the place right to take relinquished what cancellation unless otherwise purchase. Its. Sound of people throwing out their old. I recently installed unit and was stunned by the different I had a. Say goodbye to your. 888964. Way satisfaction guarantee. Just go to -- house now dot com or call 888964. W a TE 30. -- -- You will go home. The best in business isn't right here. Barry on stroke and can carry him. On the financial exchange radio and. The confederacy. But -- and 1861. Moved to Richmond Virginia who knew the answers can. On the I don't engage I don't I don't have any answer ocean everywhere and getting cash. Are still looking for the not a trivia question coming up and we're now are we joined -- at least. You know I've talked about this -- group the Eric Cantor story was huge it is in its it has. A long and there's a whole lot associated with the for the future. Well and and there are some that speculate that this is. A bad thing for the Republican Party in that it's gonna lead to a civil war we're joined by Lisa -- from Bloomberg News. She's gonna help us understand how that could be possible piece -- good morning. So the Josh green from Bloomberg wrote that with Eric -- lost the Republican civil war is about to explode do you agree with that assessment. I can't I do agree with what Castro they're Republicans that there had been some reports that. You know the Republican civil war was over and you know as that was -- Republicans had -- and I think. Those -- -- that he would keep party's demise have been greatly. Overstated. Do you think that air cantor will run as a write in candidate he's a lot to do that in Virginia. Now I mean I think he's said he's not really leaning towards doing that. He has said that Nate and didn't catch and open. Yeah I think that it's pretty pretty unlikely. But certainly there's going to be a lot of people watching back. Watching history and I think is can plot is as freaked out a lot of other Republicans in the party and I think. Probably the top person -- the most nervous right now thundered at Cochran who of course is running. Against bad and a competitive primary candidate that he can keep party challenger he's a senior senator and he. It was forced it will run off after he failed to. Get a big enough margin as a victory over at this. This party calendar and you know so he's some -- you can bet that his people are watching the trial -- mr. Eric Cantor a lot pretty quickly. When is that primary you know Lisa. To the Cochran -- him coming every cricket Lisa. People are saying that what happened on in Virginians that just not enough. Republican mainstream Republicans came out to vote in that this was about low over -- voter turnout. -- verses are strong Tea Party. Right that is one of this series there's you know there's several people are saying a lot of different things out why. Eric Cantor -- and probably there are a lot of -- -- -- but it. With that seem scary that he was on and one thing that people are seeing a lot of particularly establishment Republicans is that the polling was shocked that they. Over estimated the turnout which of course what you're getting your questions. But I think -- is clear is that they definitely underestimated the challenge. I mean. He spent five million dollars on this race and the question is where did all that money go to 11. Theory at least as my colleague here Bloomberg hasn't had a history that they have that day is that Eric -- -- aired more than out of that. And in none of them spoke directly to voters and then many of them were negative attack -- and we actually went. Broadcasting that it is in damages skate rat of course with his opponent who want. -- Natalie it was actually giving -- more airtime. On an ironic twist of his own -- He had -- should win his race against his fellow college professor. He has parents typically very Republican. And to pray republic strongly Republican district so he. I heard this morning. There was that term congressman speaking anonymously saying. He's a seven term congressman he's a Republican. And that at this point he's feeling about this is there's no more compromise. That from this point forward he and he he was eight moderate and he said from this point forward. I will stand my ground because this is essentially going to be like a war. -- -- do you think that is going to be this sentiment because there's a lot of these what we're calling mainstream Republicans who were worried in the future that they may lose their positions. I think a lot of he's -- Republicans are pretty worried I mean this is something that we've been watching out there. What he hasn't that he hasn't -- mr. straight to this this. Even earlier I was even if he doesn't -- -- party has been going through this battle. And I think a lot of the party officials were hoping that it -- it would be over this year they would. It kind of waste either sort of bring the Tea Party element of the party into. Into the mainstream of the party and thereby avoid these contentious primaries. And -- in the past best but I think this. -- shows that there are at least anecdotally organist continue. And one thing that a lot people are watching what's gonna happen in 26. Right that that was my next question I was gonna ask you connect warned Republican Party win the White House. That is a question on everyone's mind and I think there are a lot of people who are worried about -- talk to you yesterday attacked Ari Fleischer who of course was. President Bush's spokesperson and he. Is -- -- is -- really worried about one area that you looking at Latino voters are growing share of the electorate. One at -- in. Congressman camcorders race. Let this issue of immigration and gave -- hit him pretty hard on -- and catcher was no. Great champion. Doing country a comprehensive immigration bill. But he still is with -- on on that issue in the election so folks like Ari Fleischer and other. Mean -- Republicans are worried. That as a result of members of their party we're worried about challenges we'll take a harder line position on immigration and and that will end and that will force. Republican candidate to between sixteen primary to take those positions. And that will be an ill equipped for the general when they're really gonna have to win over Latino voters. Romney -- that group by huge -- 41. Point. And that really you know that hurt him in the general election. And those voters are also the reason that much attention paid but you know voters is not only back there growing demographic group. But also that there concentrated in some pretty important state so places like Florida that are possibly importantly -- can relax. Her. To be really etched into watching you be nice to see if the Republicans can turn this into a positive but it -- now seemingly -- -- -- Yeah I mean I think there's the party as a number of issues that there has to work out. All right thank you very much we appreciate your time. That's Lisa -- joining us from Bloomberg News and when we come back or take another look at Hoover. Tat European taxi drivers are protesting you -- we take a look at that when we return. And Barry Armstrong. Right here on the financial exchange on the WR KOU. Networks. The experts at Web.Com what to build your business a successful website for free just like they did for these Web.Com customers -- -- -- and looked at other website designers. But there's nobody better at the moment -- Web.Com can have your website built for free and often running in his little seven days plus promote your site on all the major search engines like Google Yahoo! and -- if you're in business today and you don't have a plan presents you won't be taken seriously call now to get your website built for free if after thirty days you're happy with your new web site. We'll continue to provide promotion posting support and maintenance all for just one low monthly fee if not cancel and pay nothing. Call 855254. Site. 855254. -- ITT. 8552547483. Or go to Web.Com. Slash radio. There was no portrait of -- that's an equity over the place right to take relinquished much cancellation unless otherwise purchase. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hi I'm dying -- -- I'm a senior Medicare patrol volunteer. -- program sponsored by Medicare and the US Department of Health and Human Services help seniors trying to protect themselves from Medicare fraud and scams. For instance if your Medicare beneficiaries. And you're approached with an offer a free medical equipment -- services watch out. 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Times are changing in your retirement plans are changing with -- hello this is very Armstrong from the -- to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your own retirement this involves planning for income military benefits long term care and Social Security. We've created a guy. That will provide you with the ten step checklist for retirement this 27 page guide is available for those of you who would like help. Planning for prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors and Barry Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliated. Follow -- on Twitter at Barry G Armstrong its Barry Armstrong. There -- here on the financial exchange radio network. I -- we were talking earlier. And I'll tell you like these European taxi driver. -- and huge favorite. They're striking and their -- they're out on the what they're doing is bringing. This recognition to them people who didn't know who does now know he went on strike in London. To -- on Madrid to Milan thousands of taxi drivers protest that the rise of Hoover an American company -- you don't like it they're protesting. They've made life miserable yesterday. In all these major cities bringing traffic to a halt right gridlock everywhere. And if you look at the average liberal user it's a younger demographic -- the guy. In his twenties in his thirties but now we start to get in the forties and even old guys like me in his fifty's thing I've got over. I've had over on my iPhone I use it as a service and this. Action I have got proof for you that this is helping Hoover a -- on Wednesday. Wilbur said it had an 850%. Increase in the number of people signing up in Britain compared with the prior Wednesday. 850%. So you can go on strike rate you alienate all of your potential customers right right and what they do they go to the company that is offering the service. Well and taxi drivers have to understand that people this is and I'm sorry for all you tech sector restore listening. But consumers are concerned about consumers and they don't care about. They don't and so the bottom line is if you've caused the problem and I didn't get -- need to be on time. Then I'm gonna go after whoever it is you would think is such a problem and asked them to help me out and that's exactly what happened there and in your right indeed. US taxi drivers take note. This would be a huge mistake on your part to suddenly decide that you're gonna gridlock the city of New York of the city of Boston because you're trying to remember. Well if you put -- -- do if -- -- if on the taxi driver in Boston. I'm quitting. My yellow cab business -- a lot of work for over I think they're hiring right once you -- -- wants you -- pay you more the problem is the guys to -- the medallions. And their flight. They are fighting. Others via wage that the cab drivers who Perkins somehow come together and find middle ground help one another you would think to write and get a -- Yeah to have a really good happy that provides. The same quality of service. Ends as Marcus that's right that's -- little -- wheelchair and it's all about service convened its. Over it now lowering their prices by 20%. In order to undercut the cast there and they can afford to their business is booming. If business is booming their reducing prices. 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Begin airing 6% right away these investments are limited. -- supplies so call now 5088660280. That's 5088660280. Good news for those of you who have family members like I -- that are attending humans. Tuition is gonna remain frozen. It is -- facility -- that your wrote that he has been frozen and board voted on that so to be holding the line. So that means that. And under the most expensive undergraduate campus which would be yes. Is going to be thirteen 1250. Dollars that does not. That does not include room and board that's here to question for a school. He had the taxi drivers Chiming in here -- evidence that is says make over car drivers pay 600000 dollar medallion in and it will be an even playing field until then. It is going to be a war one. Well you know I got -- the level of sympathy for that I really do because you. Again you know how how do you hold one to one standard one to another what's happened -- like you look it would -- cable TV did to the network television business. You look with series stated in debt pandora did to the radio business right you yet compete due to compete that there -- -- -- -- I don't think they're competing on an even playing field in what way. Because dating game they don't have to pay they don't have to follow those restrictions -- -- to buy those medallions they don't have to do their little service. Little services don't need dives. That's that's how they're doing now that's again what's the method they're using right what what constitutes a limo service though verses. Cab service. What what's the difference between the -- Well -- taxi can drive around the city with there illicit. Light that off right in -- and and utility dislike about -- -- just wave your hand and a pullover and that's yet. The Internet -- is largely to blame for the success of Wilbur Wright -- has now you can use your app. And you can see you while you're eating and putting your location on your -- You'd see with a car -- and it'll tell you that the cars -- two minutes away three minutes away you know you go out it's raining. You don't stand outside Italy for twenty minutes and -- and it. The cabbies need to respond with their own technology that. That is the solution -- just respond with technology. Service and race -- those are the three components that they need to -- compete on. When we come back or attack a look at what the alumni. Are doing to press colleges on sexual assaults that are going on a college campuses across the country. Breaking business news first -- -- at all. OK -- -- network. But thanks and we met became in the face paint and the flower. He informed me -- and you know there's this vehicle which. -- -- to bring my life together. And. That is powerful pocket thing is make CNN met my husband today and cut spending now. -- Christian legal dot com today and find God's not treat you. Joining is easy and free. So go to Christian in the dot com today. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Page LA so we Gerard do you renounce. It just me here c'mon I got your newsletter pretty fancy photos coupons when was it -- -- silly I these Constant Contact and really. Constant Contact dot com it's so easy -- make me look like a million bucks and emails -- really work oh yeah they got your money today didn't it. Trichet. Constant Contact dot com. Plans as low as fifteen dollars a month with a free sixty day trial. Keep up with the latest. -- -- -- A perfect question of the day. What southern state was the first to secede or -- the United States. That prompted the civil war you know the answer that question in the text of 686 -- -- text number what southern state was the first. To secede from the United States 68680s. Or text number. Cool news coming out of Starbucks and this is really cool I love this attitude you know they're gonna put this. Technology in their places where when you sit down at the table the top of the table is going to be charger. So. Any of your adaptable equipment whether it's your laptop your phone your your iPad. You can just layer right on the table just charged while you sit there and chat and you don't even have to plug it in now that's what's amazing couple wireless. -- I do know this wireless charging I didn't know this existed eat just -- you go win. Eighties eagle and with your wife you waking up and get your -- you can sit down detail put both -- on the table there recharging. You sit there for half an hour you chart full charged -- movement and it's free. It's free. That's gonna get them a lot of traffic just like there why fight it out there Wi-Fi got a lot of traffic. And then you said that you had seen some pictures of what they're partly because they're basically opening up. There -- copy house's yes I was bars. It they're doing it in Los Angeles and Chicago and Washington DC media Seattle. Which they do here is so great so at 4 o'clock in the afternoon. That you start -- go in they have a limited menu of wine choices but as they like to say it's clean and Smart. And then that of food. And the food they have if you go onto their website and you look. The food looks fantastic and it's just little appetizer type things is it a forearm or is it just line you know years that was -- OJ is why it's wine and it's. What are the things they had they had become the next hang. Hate her that's for men are gonna go to meet when -- they had this thing on there about what will be atmosphere be like him. And they said their -- their very much to limit the the atmosphere to try to keep -- comparable to what they have all day you can still come in their order coffee. You can still community on an even at night -- night. So extending their hours and now -- -- this year this of the suggests regular closing hour so I don't know what to start when the Starbucks close to naproxen and so has a quick pass ahead on the bed at night it happened back copy of that -- right. So it -- it's it's the idea is just doodle a long day you meets with friends and it's quiet. It's not a big like club currency not to change the music they're not gonna do anything like that to make it something like that. But apparently did their doing pretty well with that Starbucks is innovative they are to their innovative. Business -- stock right now is trading at 74 dollars and twenty cents is down sixty cents today. It's 52 week highs 82 dollars and fifty cents a share in the dividend on their -- one point 4% dividend so. And then how it yourself world service it'll Egypt itself service and I am not in my house I don't think it's I think it's my location will Qualcomm is coming out with a new piece of technology. And it's the give it to you this the solution number wireless companies has begun offering. For homes and businesses using small cell technology to -- holds -- recovered so. You're gonna be able to buying. This. Basically it says. Cell phone. Magnate almost by that will increase the signal with senior we've got terrible service and I bought a device from AT&T. But he doesn't work it doesn't -- -- write in yet it has to be. In it has to be of the -- and has a southern exposure -- artwork so. You know I was 200 bucks and it doesn't work. This device East -- -- of the by very soon. And it'll improve the cell phone service within your department within your home. And it's being manufactured by all I say that's a good thing for a lot of people who are getting -- of the land -- yes they guarantees that aren't right you're darn right. They answer to our trigger laughter -- question with South Carolina I don't know who won. The question error the contest yet but -- You know listen we do see you tomorrow guys. Your favorite news photos and sports updates on your phone with -- HP mobile from the Associated Press the -- -- T-Mobile is now available for free and iTunes -- mobile where the news gets its news times are changing in your retirement plans are changing with -- hello this is very Armstrong from the funny to exchange my dad retired almost twenty years ago and he receives a pension and medical benefits from his old employer these types of retirement plans have been replaced by a 41 K plan with a match you're responsible for planning your own retirement this involves planning for income military benefits long term care and Social Security. We've created a guy that will provide you with 810 step checklist for retirement. This 27 page guide is available for those of you who would like help. Planning for a prosperous and worry free retirement 8668106422. Ask to have your retirement plan created now's the time to get started 8668106422. Securities offered through securities America -- member FINRASIPC. In advisory services offered through securities America advisors thank Gary Armstrong representative Armstrong advisory group in the securities America companies Aaron affiliated hi this is Jeffrey Davis host of radio entrepreneur has heard every Monday to Friday six this. BM courtesy of the money matters radio network and heard online and money matters boston.com. Some nights -- can't get to sleep some nights I can't seriously if you -- some I can do both. You do some sleep -- are clinically proven to help you fall asleep 33% faster and keep you sleep longer see you get a more restful night's sleep. Mean -- ingredient not found another leading sleep aids you know some sleep tabs are safe and non habit forming just one pill takes the uncertainty out of bed time giving you this -- you need to wake up ready to go. You know some sleep -- fall asleep faster sleep longer.