WRKO>Audio & Video on Demand>>10-23-14 Full Show

10-23-14 Full Show

Oct 23, 2014|

10-23-14 Full Show by Barry and Kim

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

I everybody bury our strong here with your leader bank quick tip of the day I'm joined by Jed to leak a vice president at leader bank. And how does leader bank help business owners grow their business. Thanks very we've had worked with a lot of small businesses in providing financing for their business needs. So I'm example of this will be you know your local neighborhood restaurants. Law firms. Technology company a manufacturing company. Really any sort of small business that is looking to expand. To grow their business and needs financing to help fund that. Reiterate can be involved. Currently we actually have a special going on where we'll provide. Business lines of credit or business term loans we have absolutely no closing costs. So we are actually end. I prefer Small Business Administration lender. And this is a government to approve that we have we can provide these loans very quickly and seamlessly. And we're doing them with no closing costs at all until the end of October. That's fantastic. Folks if you don't learn more about doing your small business banking at leader bank here's what I would suggest given a call at 7816463900. Leader bank wants to be your business banking partner he called and it's 7816463900. Of course she can visit them on the web its leader bank dot com. Or call them 7816463900. Where do you do your business banking today I think taking good care via if not give a call leader bank 7816463900. Or leader bank dot com. You may be wondering if you've saved enough to make it through retirement now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like you're included in that category and we have help for you tell us today and 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and Knology they're paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again it's 8668106422. Securities offered through securities America ink member and rat SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and securities America companies are unaffiliated I'm going to gross. Can they. Bo duke basketball. Yet wherever you're going the quality gasoline and ExxonMobil stations of the energy behind your journeys they helped engines run smoother and help improve fuel economy to. ExxonMobil energy lives here and Exxon Docomo mobile look number details. There's your basement or crawl space have adapt musty smell. Well watch out that's a sign of too much moisture and not enough ventilation and that can mean increased mold growth and the buildup of harmful toxins and gases don't bother with the 1888964. Way bets 1888964. WA VE. Today is senior citizen has a one in four chance of spending time in nursing home will you be one of them what would you do with your spouse didn't have enough money to live on because you're in a nursing home in depleting your assets by more than 101000 dollars each month think about it how long would your money last if you had to write checks like that each month how would you feel if there was something that you could have done to protect your spouse but you failed to act don't put off protecting your loved ones any longer collar office right now to request are bringing new guide that we'll teach you how to create an estate plan that will not only protect your assets from a nursing home. But also help your family avoid probate keep your money in your bloodline and potentially eliminate estate taxes. 8668485699. The law firm of Cushing and Dolan has been a valuable resource to thousands of feelings for the past thirty years it's time you found out how they can help you. 8668485699. 8668485699. Yeah. Okay. Well its hold on your checkbooks and give her portfolio's break. It is time for the financial exchange with Barry Armstrong in Kim Keller again from Wall Street to your street bearing in humans got you covered in the financial exchange with Barry Armstrong and gene Kerrigan. Hi everybody welcome to the financial exchange Berrian came in week. Begin today's program with a heavy heart based on the actions that occurred in Kennedy stuff. You know that is that they I don't know if you know just we're gonna talk about a lot but just a quick update on that just moments ago they determined. That there is done another shooter and that people now for the first time because you know do rely on people who were holed up. And have been for 24 hours but everyone is free to move about and to get to the hockey team they never do. Well and now we're learning about this guy and I don't know if you've seen that that's also coming up this morning who used him he comes from underprivileged namely his father is a high ranking individual in the Canadian government all. Fist games to. We have a guest that'll be joining us in about ten minutes radiate all the inside right scoop on that Kim's been following it. And it really broke do you during yesterday's big deal army saying you guys during the yeah shares of Disney shooting at the war memorial in Ottawa. We had no information that's it then and now we're getting it from me so that's coming up I hope you'll stay with us for that interview. I jobless claims today coming in at 8:30 in the morning. Kim. The claims in the United States have reached a fourteen year low. Happy day via the so and what that means early. Many fewer people are being fired and I could be wrong but I think what you're going to see during the next six to twelve months. Are pretty good job creation numbers on the those that first Friday of a remote yes it was actually coming out yesterday talking about two weeks from this coming for. We're going to hurt two for two more like we're gonna get that data point. But yet unit jobless claims. Good data points there. Earnings news let me give you the numbers 177. Companies have reported earnings. This morning as of say it call at 9:39 o'clock. 81% of the company's reporting Kim had beaten on their earnings expectations normally that number runs 71%. And 62%. Have beaten on revenue expectations normally that number runs 59%. And you had companies like General Motors beat on earnings beat on sales from the GM back. If they are I'm just amazed I'm amazed I keep saying this over and over. And if merry Barre is doing that group that great a job then. More we are two or without a revamped lineup rank unity the it's not likely did like what Ford has done for me and revamp their whole Carlin at the they don't have a review they've done it with more deaths and more and more recalls do you know they have they have it's it's a matter. This is the highest profile CEO. Female CEO. That we had rightly very curious to see if she does of the next five years I want to tell anybody moves almost. It's almost over yesterday's high dad called me. And said to me on off I told you this I was part of that GM recall I just came for the birth to my ignition by the new ignition issue now. And I sit unity and I had never thought about that in to add drives some. He drives a Monte Carlo and I'm trying to think of what your child very olden but his car. Was recalled to the yesterday he's again he's in the Warren started thinking about that you know on on drug on the highway and it shuts off. So on it's there's still there's still recalling car so to me. Locally we had Raytheon beat on earnings but they missed on sales. Comcast to beat on earnings missed on sales 3M beat on earnings based on sales. Caterpillar this is selling well on. Yeah they beat on both lines them and you'll like to see that with this caterpillar. Is an indicator about construction. And you know just global demand right is is largely going to be based on what cap. It does a lot of people were anxious to see. How the airline stocks are gonna hold up. And you know what I think folks need do to realize and I was chatting with our friend. Tell them. Denham Providence my TJ right I was which runs a Ryder appear this morning. And though we were talking about the airline stocks and we were talking about the fact that. You know there's been a real scare with airline stocks but that's really been in the just in the last two weeks of the third quarter it won't have had it's such an impact. What will have to see is how they do in the fourth quarter related to holiday sales I'll tell you would have. Killed airline stocks if you had. As predicted just a couple weeks ago if you had hundreds or thousands of Americans. Network contagious with people yeah iris and. Even if it was it largely contained but if you had a thousand Fisher out anyway airline travel would have dropped dramatically what do remind everybody which had to. I know it and by the way both those women doing quite well. As a cameraman and doing well and he's coming back to Rhode Island to. Southwest Airlines beat. JetBlue is a report today American Airlines to report today united beat. So so that the airlines had a decent it already looks like it's stacking up like airlines had a pretty decent or they are airfares ever expects. I will. I feel much trying to come out for the holiday season they're holding off waiting watching the air fares Christmas or Thanksgiving they're trying to come thank you for Christmas and tea the the I was looking. That at flight availability. Of the about actually they're decreasing. And number of flights by 1% this year so what they've done the airlines abducted six collusion. But the airlines have said we are not gonna get in to price wars again like we have in the past. And if you wanna fly from saint Lou what let me ask what was with with the tickets costing. To go Saint Louis to Boston and. Saint Louis to Boston right now it if they wanted to fly on line the Saturday before Christmas of the twentieth nineteenth nineteen answer that Friday. And first round of tickets were right at 500 pounds apiece that's actually pretty good. Well it's not really bury you should be able to fly here from there for about 350 recited those days are gone I'm not out I fly out to Phoenix pretty regularly hot and I used to be 300 dollar ticket right now if I'm lucky I get those for success as what makes me so angry about it theories that the prices have gone up. And fuel prices are coming down. Cycle mom and dad said everybody hold tight luscious wait for you know naturally given him good advice and now the he had yet to dues yet to look at alternative airports and you stop overs in order to get the that was that was flying nonstop although Christmas time you don't really want line. My folks are little more flexible so I'm suggesting don't fly that Friday and impatient flight by earlier in the week plan Wednesday in one of them. I'd like to get some investment advice firm are listening audience and have a question for you about Yale. Okay I actually Larry that I used at this morning looking for something for fry right David date you you're young lad and he is in yelled yeah I would bet it. I use it I use a predominately for restaurants defying the bomb in a strange area where their place I don't like Adam Brock the last week it right. In the senate candidate trying to steakhouse and how's the who's very helpful in terms of findings they. Now Yelp has some problems to 59 dollar stock today because it's down eleven dollars and 22 cents. It said down 16%. Today because they mixed. Now Yelp is a four and a quarter billion dollar company my question to you guys out there in the listening Landis. You do you use Yelp regular and try to make an investment decision on the stock is something action by I don't know if it looks a little expensive they're losing money. What I don't like about Yelp and I bet David will join me in this. I is Yelp for it to like just like what you I did the exact same thing today for this Friday I need to us at New Hampshire Friday it does look at her arrest. So. And that's fine and then I make the decision the problem is that if you are looking to see what people say anything. Anybody can write anything in there correct so the problem I think is that. You know you can you can have a competitor across town right nasty things about a really great restaurant is that they don't want you and they had that problem in the past haven't they gave. Venture out yeah I think that Donald ought to clintons that that's the one where you coincidentally get the advertising called an act that yeah cell. I you know I like it for information meaning just just tell me where it is and what their record is you go directly accuse the property guy every app on and I don't use I use it regularly and I. My restaurants based on the story. So do you are not coming up we're going to Canada we're going to be going to feel fearless RG just auto law bureau chief at Bloomberg News. Beneath the low down in the latest information I don't know what happened yesterday. In the nation's capital Ottawa Canada. Barry Armstrong I can hear again. Right here on the financial exchange radio network. Today's senior citizen has a one in four chance of spending time in nursing home will you be one of them what would you do with your spouse didn't have enough money to live on because you're in a nursing home in depleting your assets by more than 101000 dollars each month think about it how long would your money last if you had to write checks like that each month how would you feel if it was something that you could have done to protect your spouse but you failed to act don't put off protecting your loved ones any longer. Collar office right now to request our brain new guide that will teach you how to create an estate plan that will not only protect your assets from a nursing home. But also help your family avoid probate keep your money in your bloodline and potentially eliminate estate taxes. 8668485699. The law firm of Cushing in Dolan has been a valuable resource to thousands of families for the past thirty years it's time you found out how they can help you. 8668485699. 8668485699. Mortgage rates are still at an all time low and it makes sense to take advantage of these rates whether you're refinancing or buying a new home leader bank is a local bank it's one of the largest mortgage lenders in New England with very competitive race asking their experienced staff about mortgage financing options and get a very competitive low term fixed rate for your home whether refinancing or buying a new home work quickly to bank call 8776917900. Or visit leader bank dot com leader bank lent over one billion dollars last year to homeowners. In the Commonwealth of Massachusetts. They're the true experts in mortgage financing. Deal with the local bank today and call 8776917900. Our visit leader bank dot com for all your home buying or refinancing needs 8776917900. 8776917900. Or visit leader bank dot com or email loans at the leader bank. Dot com. You may be wondering if you've saved enough to make it through retirement now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have shaved and have to pay their medical expenses during retirement if you feel like you're included in that category then we have help for you tell us today and 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and challenging they're paying for health care in retirement is a major issue is just the first step the next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America ink member finreg SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and the securities America companies are unaffiliated. Hi I'm Joan Lunden and if you are worried about your parent Carol Loveland living alone like I was. And you are reliable senior care information. And call a place for mom. The nation's largest senior living referral service you'll get free information on assisted living and alzheimer's care nursing homes. Even important financial information. They had obviously researched every place not just given me names. They found me a place for which she could afford and it was magnificent. We're now. Very confident that she's safe and they just helped every step of who to thank them. So if you're struggling to find reliable senior living information call plays for mom this is a free service and you can trust them to help you. If you are struggling to find reliable senior living information for your mom or dad didn't call or go online to get the free help you need during this turbulent time call now 804677530. 804677530. All the best in businesses is right here. Barry Armstrong and Ken Kerrigan and on the financial exchange radio network. Terrorist acts. Our common around the world however can they're very uncommon in Canada and I I wanna start all of this just by saying I'm very sad that this has occurred in and Canadian residents have not only endured this event but one earlier in the week. And that's a very difficult week so op let's let's have a little bit about what's happening in the mood there in Canada. CO RG is is joining us from a Bloomberg News he's the bureau chief in Ottawa thank you so much for being with us this morning. Let's get a sense of the mood there this morning as people digest what happened yesterday. Well inaudible right now it is through the day of mourning. The the is the this is pretty sleepy town I don't know. You've visited Ottawa so it's kind of maybe a million people to government town. There's not much else going on here and things like this just don't happen and so you know. Today. There was. Vigil. The war memorial where the soldier was gunned down and the prime ministers like to speak right now as we speak in the in parliament in the in the legislature. Essentially. Saying that can it won't be intimidated. And will redouble its efforts to to combat terrorism at home and abroad. You don't feel that the scary part of this is that geo there's been this call for sort of build the lone wolf. Actions and this would it seems. Maybe fall into that category is the prime minister talking about steps that could be taken because this is a very hard thing to defend against. I mean it's it's early on so we've not really sure exactly if there are any steps there have been some reports that maybe it will try to give more. Power to the security agencies here to to combat. Domestic. Terrorism but yet I mean. You know it it it is not clear yet if there were any any organize links that didn't seem like they're war insurgent you know. We've had two attacks this week one pact earlier this week essentially just. You know one I'm a man. Wrap ran over a Canadian soldier with their car. Both individuals were native born Canadians. Who radicalized. And you know it's not really. You know it's not the queer eye you can defend against sometimes Clinton that if there's just in the. It's cause I'm young men. Feel what's causing feel it is causing the radicalization. What what's the attraction. For kids in Montreal our young men in Montreal to join mrs. I mean that's a good question. It's you know it's a much different than what you would see in the US I mean these are. Primarily young men. Who don't field. Part of society are angry and somehow find. Some type find these days. The message. Radical Islam somehow attractive has been interpreted in their own way and and then. And reacting in these violent ways but some calculate the empowered to to be violent some. Kind of like our sorrow and AM Brothers breakdown here Hillary I am exactly well it ethnic a lot of times what happens in these situations is they can't necessarily afford to get overseas. And so they take it did they take it upon themselves to do for you but somebody must act teaching them to do somebody's gotta be inspiring them. These these I mean you know the in social media mean. These are these. Certainly in the case. Yesterday. Individual with a power. And a Muslim. But. You know. You know these are these that this sort of practice obviously goes well beyond what was in the and anything that he's talked to mark. Well and I my understanding Theo is that he had issues in his mos que wasn't exactly being the greeted with open arms there is that cracked is that which Harry. Right yeah I mean he was it was essentially I think we're trying to. Push him away because system that is. Some of the views. This is not this is that these judges. You know. Terribly ill individuals these these are dogs that there's no organized way it's not about ideology not about religion these are just. These are just. Terribly. It'll young men who who act out in. In a violent way and and this somehow find some type of you know. Religious. He was treated justify what they're doing. We understand that this young man who was involved yesterday actually comes from a pretty prominent family bearing Canada. Wolf is the mother is the public servant. A manager in the public service that when they she. Prominent that I was just you know. A regular kind of public service citizen but certainly you know someone in her position would would would suggests that I mean this is not. This this is not a massive support from him. It was somebody who. Level. Suggest an apple and but we don't know what have a relationship he had that is much. There have been reports that his father was. Was. Libyan businessman. In the his parents are divorced. And there's even. When report where his father actually fought with rebels in the in 2011. I mean if there's there's a lot of them. From the courts that's the most speculation about who The Who just. Young man was something he's in his early thirties. But he knew he had a very very. I mean he's happy at long history. Charges took charge is robbery charges. And it certainly troubled person. Exactly. Bad seat right right at least they put him down I mean that's that you. Could lose. Well the the amazing I mean you know the parliament here in Canada does not the sort of security that you would see for example at the White House or congress and the these things just don't happen here. And he managed to actually get into the parliament. You know. It within feet of where. Lawmakers are. And it was just. Something is very shocking to most people. Live here and no parliament and institutions it is something that perhaps. Well of course it's absolutely horrible that someone. Was killed in three other individuals were injured but we hope may be what comes out of this is tighter security it would at parliament and in some of these national. Monuments so that this kind of thing doesn't happen again can't thank you so much for joining us we appreciate you make him here. It really doesn't happen you Gerri I know it doesn't but you know what that's unfortunately. We all thought that we didn't think it would happen on US soil either. You know very what's the what's really frightening about this. A month ago. These ices member spoke about this edict to go after Canadians into a laughter Americans and do what you had to do on soil. It's these disenfranchised. Individuals like this who. Are our. Are painting a picture that there Muslims this and this person was in a Muslim you know he gluten in in a very cosmopolitan part of the world if you like it hit from Wellesley. Yeah he wasn't a Muslim in India and is mosque they didn't want anything to do within eyesight was crazy. The person who was involved on in Monday's event. His father called and said my kid is going crazy and somebody need needs to do something about it took the when he California. At Santa Barbara and the problem is that you of their you. Like here in the states they're in Canada you can't do anything about it until they break the law unfortunately people died in these cases. But this is what terrorism is going to become here in this country and in countries like Canada. I'm very difficult to predict absolutely these lone wolves these are these disenfranchised humans. Who hear that call and think it's damp they're calling them. And and this is what happens in the sits at her scary thing I think. Our text number is 68680. In our first trivia question of the day is. What are the two colors that represented the US army what are the army's the US US army's two colors you know the answer that question you can text us. At 68680. Number of people Chiming in on Yelp saying that they do use it but they're also suggesting. That Yelp is. Being used as a battering tool meaning that you know if you get bad reviews and all the sudden you'll start soliciting you. Saying well if you are an advertiser and you know you'll get better I don't know that he's. The case that that's what's being reported attacks. Has heard that before by the way you have to death and well our text line is 68680. When we come back where it take a look at some more earnings reports. Reynolds American has banned smoking in their offices. This is the financial exchanged on the financial exchange radio network. Investors searching for relatively low risk investments that can easily be converted into cash often turn to certificates of deposit. Peter bank is currently offering a 25 month CD with an impressive one point 3% EPY for new accounts with these kinds of rates now is the ideal time to take advantage of this great opportunity from -- bank to learn more about the 45 month CD with a one point 3% APY call 8776917900. Today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stopped by a leader bank branch or call 8776917900. To learn more leader bank a step ahead minimum deposit open and -- annual percentage yield is 1000 dollars mass residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member FDIC rate effective August 21 2014. Very Armstrong here with your financial exchange quick tip of the day I'm joined by Todd let's -- from the law -- of -- -- -- and Todd I've. Been told that if a married couples is worth a couple million bucks they could end up paying a 100000 dollars a voluntary taxes to the Commonwealth of Massachusetts. First of all I hate the idea of paying any kind of unnecessary or voluntary taxes how could this possibly be true. Yet you're you're Meebo Mena as much as I don't like to pay taxes I like it even less of the pay taxes and don't have to write. Ashton and this would be one of them. So that the reason is that in Massachusetts we get this one million dollar exemption for estate tax purposes which means you meet their week everybody our spouses. We have the ability to leave up to one million dollars to someone other than a spouse and not pay tax how'd you do that without this inheriting your spouse you create simple trusts. Whether they be revoke a bull or irrevocable. Depending on the type of plane you're looking to do. You create these trusts and and most importantly you transfer some of your assets into these trusts so that on the first death. You're leaving us in trust for the benefit of your spouse. And that money then would be less than a million subject to taxes the first state. Under your mail and therefore any. Leaving not owned by the surviving spouse this your spouse only owns the assets. Trust. And as long as they're less than a million weed out successfully sheltered two million dollars and didn't give give it a 100000. Massachusetts why would you pay. Hey a voluntary estate tax to Massachusetts when you don't have to. Get this free guide it's called back to the basics a complete guide to an estate and an asset protection plan. Call toll free 8668485699. At 8668485699. Back to the basics a complete guide to an estate and asset protection plan toll free 86684856. 99 you may be wondering if you've saved enough to make it through retirement now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay for their medical expenses during retirement if you feel like your included in that category and we have help for you us today an 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and challenging Dick paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America -- member and -- SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and the securities America companies are unaffiliated -- bank is offering you home equity line of credit and only one point 99%. Annual percentage rate guarantee for the first twelve months of the little after the first year -- rate goes to primary for the life of the loan and we'll give you credit line up to 300000. Dollars you can use that line of credit to -- -- car loans student loans or he can use it to make much needed home improvements you can reach -- bank for this one point 99%. Home equity line of credit by calling 8776917900. Or visit leader bank dot com there are no closing cost as long as you keep a minimum balance of at least 25000 dollars for ninety days 720 minimum like a score 80% Mac's loan to value Massachusetts only one and two unit owner occupied single family properties 350 dollar termination -- if it's paid off within one year -- and AP RR variable current prime -- eight PR 3.2 5% maximum APR 18% subject to credit approval member FDIC equal housing lender and MLS 449250. Follow Barry on Twitter at Barry G Armstrong its Barry Armstrong and gene Kerrigan. On the financial exchange radio network. Our next topic. You go hey. David how old. When he when he when he when he. Have you had any of your friends because we keep hearing him right now how many times we've heard that the it's this young generation. The the colonials hope they can't find jobs are right now that's why they're working its fair Starbucks or their taking. The name of college degree in education meticulous agents I have a question treated. How many of your friends you perhaps graduated high school. Many years ago ten years ago how many of them have moved in relocated. For some of these high paying jobs that are you know in North Dakota. Colorado. Where Texas given the year. Because they I I am curious as to whether or not. People are to make a site I looked him this story about six figure royal jobs lead to a massive shortage of home builders. Construction companies keep losing skilled workers to oil companies which are offering big bonuses in six figure salaries. Recruiters even loiter at truck stops and offered drivers' 101000 dollars signing bonuses. To take jobs driving for the oil companies he said some drivers will abandon her loads on the spot. Leaving others to finished delivering they're good to me this is with what's going on out there well is yeah I you know I think number one. I don't think there recruiting much this direction do you merry go but I I think that's why we're yes David you of his friends have done this. Start to wonder where there are doing a lot of recruiting process well I went online and I just said you know jobs in North Dakota and you should see they make here's one. A diesel technician McCain so a guy that knows how to work on these insurance. 101000 dollar sign on bulbs right. Dictated to move out there you're talking about to places like will stay in North Dakota where the the the boom is. Blew it coming you talking about the aid down in Texas where there's a lot of work yet. You week how many times we hear all there's no jobs I just wonder people are resistant II got the impression. I get the impression that young workers that are in their twenties are resistant to moving intake in this jobs well. I think that young workers out this direction might be I gag I think is a regional a long ways from it's a long way from home you know exactly. You know I can see where if you worrying. Tennessee our European raises so warrior in Colorado. You know you might say hey I got I have to do this and I think that's. I think part of the reason that young people out here aren't doing this because they don't know about it all that much. Because they're doing most of their recruiting out in the midwest and and in the south. Do you guys know anybody is yet you think about I don't know maybe it's your kids that graduated college and they say what she data kick in the job that I'm living back home or maybe eastern neighbor kid or your niece or nephew maybe it's you do. Would you move out west to make a hundred grand a year I do understand that the living conditions are a little bit tough. You know you go out euros movies that they show about North Dakota they're not line. No lie absolutely got a tough part of the world's he'd like to Fort McMurray Alberta which is also where there are a lot of jobs. If it's a tough part of the world I just I I wonder. You know I say to myself well yeah I would do it. But it's tough it's tough to leave home it is especially for young person's a productive for them to leave home go to college. Let alone go to ticket job will there be working 6070 hour week in those are physically demanding jobs as read one of it's it's a pipe rigor and said you have to work twelve hour shift. You'd be on your feet for the whole time that twelve hours and you have to be capable of repeatedly lifting a 75 pound weight. Now again these young people who arguments here either young men my age matters that I could do that. Did these young men who are going out there to do that for five years and then. Take the money and run the problem is that the key yet another problem out there is that they can't housed these people making it there aren't enough housing forest ridiculous. And you know that did turn out like one of the rare places that is available at 11100 square foot apartment for 3200 dollars a month. Yet you know that put her four people in. Four guys share right because it's housing used tight and there were like when you go out there QB. You don't go out there to work forty hour shall we now eagle out there in sale K honesty here. First six months in an enemy you know hundred green and and then into the hole for much detail. And then I'll go back out no make another term they'll work and they're guys that are going out there they're making enough money over to three year period time they're coming home with that money. In their starting of this. If upside of it is that back at home where they're not working which I think is really interesting. Journal this trouble you know building all these houses in putting up these multifamily places them whenever and that the folks in Texas say they're getting a lot of their labor out of Mexico. Yep that's gonna change because Mexico now is opening up their oil fields right. And Mexican labor is gonna stay in Mexico because here they're going to be able to make a pretty good wage from me and intentional then passed him. Interesting to hold the labor force just really changing fragmented now so you've got a state like Rhode Island where which has one of the highest unemployment rates in the country. And then you have a state like North Dakota where there's virtually no one. The problem is you've got to get people from Rhode Island that are willing to move to will Austin North Dakota after a big culture shock. October is homestead month. And when I say that I'm talking about protecting your home but through the use of my homestead. Well it's something you should do it's and I am and I'm saying this in my capacities are represented in the securities America. It's an action that you should take he should put a homestead on your home in order to prevent. Creditors such as credit card company our car accident turret so kind of judgment. From taking the equity in your residence the laws are different all over New England UK after a laws are different from Maine and Maine laws are different from. Rhode Island Connecticut Massachusetts and Vermont they're all different they are all unique but if you call now you can receive homestead act guide which will. Talk to you about all of the provisions within the homestead law based on the state in which you preside. They'll also send you the forms you need in order to file the homestead on your primary residence. The phone numbers told freak in the guide is for. 8668106422. As your number to dial that 866. 8106422. Called now in receive your homestead act guide it's good for any of you who live. In Vermont. New Hampshire Maine Massachusetts Rhode Island or Connecticut all six states are covered in detail. 8668106422. Can you lose your. Our last high dead. I lost my power I never. That we never known and giving generator. We don't as benevolent power if I. I never need to do so would you get a generator I bought a generator. Nevertheless storm that was really radically right right right that two years ago three years ago October. 33 OK so three years ago when everybody got knocked down. I said we were out without power five days so I'm yet to generate I now have a generator. I've not lost power since they installed it and I welcome I would suggest you degenerate again unless it's like taking your umbrella it never rains I have to. Tyson being me you know I live along the coast and you would think we'd lose our power of wind blows we never lose it but everything is always hear everything bears underground. Last night aid is something. Power went out there when out all of responds guy plan passed on don't know what happened we're in the world outline. But that is I can't imagine being without par five days we order. We were five or six hours and it was the host disruptive five or six hours and hour law saves. I just can't imagine how you guys got through five days since I have great sympathy for those of you who have been forced to do so we are fortunate because there's a shower at the office right so that's what you do have to come here if I had already made my decision that I was lifted up I can take shower holes and I was in it for my FaceBook hasn't had a higher. So I was gonna name my baseball cap in my jeans and sweatshirt cause it's too bad date we could got a picture of that well a day that day may still be coming and it had nothing to do with my power. We can't wait. Coming up next report open though from thestreet.com is gonna share some stocks elections if you. That's next to exchange. This is the financial exchange on the financial exchange radio networks group. Police called it broke the bad news or Charles is personal and financial information was found on an identity d.s computer disk nervous and confused Charles called life walk the industry leader in identity theft protection like flock went into action fund covering multiple fraudulent credit applications the identity thief was trying to open in his name. 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Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like your included in that category and we have help for you must today at 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and Knology they're paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America ink member and rat SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and securities America companies are unaffiliated today's senior citizen has a one in four chance of spending time in a nursing home will you be one of them what would you do with your spouse didn't have enough money to live on because you're in a nursing home in depleting your assets by more than 101000 dollars each month think about it how long would your money last if you had to write checks like that each month how would you feel if there was something that you could have done to protect your spouse but you failed to act don't put off protecting your loved ones any longer. Collar office right now to request are bringing new guide that will teach you how to creating a state plan that will not only protect your assets from a nursing home. But also help your family avoid probate keep your money in your bloodline and potentially eliminate estate taxes. 8668485699. The law firm of Cushing in Dolan has been a valuable resource to thousands of families for the past thirty years it's time you found out how they can help you. 8668485699. 8668485699. Mortgage rates are still at an all time low and it makes sense to take advantage of these rates whether you're refinancing or buying a new home leader bank is a local bank it's one of the largest mortgage lenders in New England with very competitive race asking their experienced staff about mortgage financing options and get a very competitive low term fixed rate for your home whether refinancing or buying a new home work a leader bank call 8776917900. Or visit leader bank dot com leader bank went over one billion dollars last year to homeowners. In the Commonwealth of Massachusetts. They're the true experts in mortgage financing. Deal with the local bank today and call 8776917900. Our visit leader bank dot com for all your home buying or refinancing needs 8776917900. 8776917900. Or visit leader bank dot com or email. Loans at leader bank. Dot com. Well best in business is right here Barry arm stroke and can carry him. On the financial exchange radioed Edwards. Many consider insider. Fine to be bullish indicator for stocks were heard of that don't among those people. He's with the street dock comedy joins us today to talk about a variety of stocks that he's done some studies. Revert to how are. Doing very good very well argued on the this. Good good so you see some insider buying activity at Entegris the symbol EE NTG what do they do what he liked them. Yet they too armed agent process pandemic products materials that are used for processing and manufacturing. In the semiconductor industry and other high technology industries. That are pretty high tech a company. And we just had it beneficial owner. I had about 400 and a half thousand shares roughly five point three million worth of stock. Palm this this fire is actually a long short equity on. The name of the bar and it is empty capitol you know I don't know what hard about that on you but whatever I see. You know any. You know investment manager investment on mutual on hedged on. You know stepping into stock held by and I kind of you know that amount whether or 5% owner I'm always told gonna perked my interest element you also more work on that un mandate. He saw some insider buying over Devon Energy is well on my guess is it was at a time when the stock price was depressed during the last four weeks. Yeah exactly which has had a directors that minute Devin billion piled up honors of stock in about a 9000 shares. Roughly 500000. Oh worked at 54. Com there's oxman absolutely destroyed anyone who's been treating any energy and lately present ball in the market has a precipitous drop in oil prices. And you know that's obviously ruled over energy energy equities. This stock was. Dollars and you know three months ago and it was treatable if I've just a few days ago so this is a clear case of art directors and hit my stock is undervalued stick to regular at nonstop and. We know anything date consider he's a director rate. He's he's looking at the books and records of that company every day right here he has made it I would say he has inside information but he's. He knows what kind of activity there they have going he knows what kind of contracts are entering into. The only thing he probably doesn't nose with the price of oil's going to be. Exactly and that's that's the one caveat there probably you know. Nobody can you know alternately predict commodity prices are so many variables but you know right now mother purses. Look lower oil. What you may be paying you know eight. Our our stock is taking too big of a beating even with the department oil or start oil's drop below their dollars here so. And knocked out not yet. Are you with yeah right let's do one more that is Acuity Brands EY and I would they do. Q what they are all one of the world leaders are actually in all lighting solutions. Did you solutions for what commercial. You know commercial building industrial building. Even residential applications so you know there later said the one of the biggest players in that segment of the market. We just had a director stepped in and 8000 cheers. About 980000. Worth of stock at roughly 400 dollars. So. Not a pretty decent look and chart actually. All ices this Turk I actually set up to operate out here and now if cannibal 10135. Or one brigade so. You know it's good to be looking chart you know got a Turkish stepped up to buy the valuation on the company's bad poetry before you vote point one. And the appropriate right around or so don't decent looking company. Historically Roberta how accurate predictor has insider buying entry. Historically if they can be an awesome predictor the thing about insider buy in older people have to understand there's. It's not a guarantee. It's not a guarantee just that interception by the stock that stocks off. Are you you're perfect example to another name that was an article here's all the I remember back you know few years ago -- effort party publishers after holding but he couldn't buy it also yup. There's such. And you know years straight overall budget dollars 150. It was up there let's archery no I think roughly thirty dollars or else so. You know it's not a guarantee. They'll put it but it but if you focus on you know fighting to have been treated in. Relations and have good looking charts have good technical. And especially multiple insiders do all the stock that's but I law. More than just a director the team yeah oh yeah bow to director to directors. That that that it all locked up and simulate multiple guys good company good revenue growth growth of the articles. Very good Roberta thank you very much appreciate your time. Roberta opened on the street dichotomy get the whole article there aren't. You know talk about insider buying the same can be said on the flip side in how we saw Saturday in New Hampshire right. GTA selling you know they knack for company and the the people I feel bad for there. Are certainly the 890 employees that are losing their job GT AT. Anybody who bought stock in the company in the last ninety days has really been hurt. And what about the creditors and now it's seven blizzard probably lost. In New Hampshire and that are out of lucky he's he's a great German term use like and you know what will watch to see let's hope this hasn't happened but there's a trickle down effect and affects their businesses oh well it to have could not imagine you go in and you're Euro half million by your shirt vendor in your you know year as supplying them with whatever it might be tuned in you're not getting paid. You can't tell me if that half a million dollars meaningful any. It certainly in bachelor here when Bob Sanders was up in the courtroom Austin you say people. In a world six million dollars half a million dollars he's talking to people that he knew where New Hampshire folks chap so. Bad news that's really bad. Boston Scientific guess they have hear their turnaround is complete this according to their CEO. In the stock price reflecting that they can it's up 2%. They. You know they had kind of a rough a rough ride there for short amount of time that new CEO Kaman seemed to turn things around and. They seem to be doing okay amid more bad news out of Biogen Idec yesterday but the air bouncing back today yesterday Biogen Idec shares. Were weighed down now they have. And MS pill day and it does very well. But they said yesterday that a patient who had taken its multiple sclerosis pill called tech that Dara. For more than four years died after getting a rare brain infection sending shares of the Biotech company down yesterday. It was down seventeen dollars and seventy cents for a loss of 5% and at Tate gained much of that pack today well you know. That news I mean -- I realize it was a bit shocking news for people but having said that if you if you look into what it was that they reported this was a patient who has taken that drug for four years and drug have been very positive thing for that person. Person died from pneumonia they don't know. That this was in a direct correlation. But were honest enough to come out and make it the statement that it had in fact happen. And that affected their stock yesterday that unit I think you get to have more information about that patient to Tug of senators got and that's really they've already got a major health problem. So a chain it was four years taking these drugs with. What seemed to be pretty great success you know we've we've talked about this in the past him where people's say I'd rather have four good years and ten lousy. That's right answer and I mean you know were worse you are sitting here saying she pressed to say I was just as we sit here very healthy and and and so fortunate. But having said that I mean if you're right if you can get four good years and that certainly would seem to be back. They're doing better today there's pockets. Another local company Progress Software Corp. The Arab Bedford Massachusetts based company and they develop business soft percent on Wednesday it is agreed to buy teller AD. For 262. Point five million dollars. Their shares up 1% on the news today came PR GS is the symbol for that he. What's his systems are they doing today who would take the Cambridge company to software company and they're looking to buy company out of Turkey. They're up there up today one point 7% or 36 cents symbol for peg systems is PGA. Symbol for progress software's Lewis PRG yes but in the end I think we have a Connecticut baying to see that. United bank. Right and a bit about united bank in the last. We can have two weeks and have forgotten what their objective of the story wise united bank is up ten census which. Are black and gold at the collars or the US army in Europe it is your second trip. Question if you're heading to the teeth back what was he most likely be doing there if you're heading to the DF AC. What were you most likely be doing there text number 68680. We truly a vice president at leader bank and how does leader bank help business owners grow their business. Thanks very we'd have worked with a lot of small businesses. In providing financing for their business needs so I'm example of this will be you know your local neighborhood restaurant. Law firms. Technology company a manufacturing company. Really any sort of small business that is looking to expand. To grow their business and needs financing to help fund that meter rate can be involved. Currently we actually have a special going on where will provide. Business lines of credit or business term loans with absolutely no closing costs. So we are actually end. I prefer Small Business Administration lender. And this is a government to approve that we have Greece can provide these loans very quickly and seamlessly. And we're doing them with no closing costs at all until the end of October. That's fantastic. Folks if you don't learn more about doing your small business banking at leader bank here's what I would suggest given a call at 7816463900. Leader bank wants to be your business banking partner he called and it's 7816463900. Of course she can visit them on the web its leader bank dot com. Or call them 7816463900. Where do you do your business banking today a day taking good care via if not. Give a call leader bank 7816463900. Or leader bank dot com. You may be wondering if you've saved enough to make it through retirement now add to that concern about health care cost and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like your included in that category then we have help for you us today and 86681064222. Request a free guide on healthcare and retirement planning is crucial and may even help lower costs and Knology they're paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again it's 8668106422. Securities offered through securities America ink member finreg SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and the securities America companies are unaffiliated. Pat Boone here was the word about bank safety you think your money in the bank is safe. Don't bank on it a generation ago bank account felt secure and they paid interest. This encourage the virtue of thrift savings but today. Bank accounts paid virtually nothing and have shifted from lower risk. The high risk for example did you know your money deposited in most US banks could be subject to limited withdrawal. And even confiscated by existing executive orders who became a best. And that's just the first of nineteen risks explained. A new 32 page white paper entitled don't bank on it still think you're bank deposits are safe. Yet this vital new white paper now call toll free 800. 51960. To 71 that's 8051960. To 71. 8051960. To 71 or at Swiss America dot com. Today's senior citizen has a one in four chance of spending time in a nursing home will you be one of them what would you do with your spouse didn't have enough money to live on because you're in a nursing home in depleting your assets by more than 101000 dollars each month think about it how long we Germany last if you had to write checks like that each month how would you feel it was something that you could have done to protect your spouse but you failed to act don't put off protecting your loved ones any longer collar office right now to request are bringing new guide that will teach you how to create an estate plan that will not only protect your assets from a nursing home. But also help your family avoid probate keep your money in your bloodline. And potentially eliminate estate taxes. 8668485699. The law firm of Cushing in Dolan has been a valuable resource to thousands of families for the past thirty years it's time you found out how they can help you. 8668485699. 8668485699. Yeah. Marlins hold on your checkbooks and did your portfolios break. It's time for the financial exchange with Barry Armstrong in Kim Keller again from Wall Street to your street Berrian came to -- you could hurt he's the financial exchange with Barry Armstrong and gene Kerrigan. Hi everybody welcome to the second hour of the financial exchanges. At the end of the first hour we ask you this trivia question if you're heading to the teeth back what would you most likely be doing. The answer is dining can hear him. And Demi and Jeff from eggs that are New Hampshire knew the answer to that hand he's gonna get a mug and Jeff. As told Kerry that his birthday is coming up in two days so let us all wish Jeff I'm very happy birthday and then returns the ball. I'm looking for the person who won her last. Trivia. And I'm so sorry have lost you make you owner is you get very jobs so I know it. Josh from Webster Massachusetts he won the the question before which was the colors red army black and gold right and he won that so thank you very much and he did mention when his birthday is that Jeffs is coming up but today some. We have a new option to refinance student debt that's a story that we're going to be covering in about 25 minutes you don't wanna stay tuned if you know anybody. That has student loan debt you know wanna stay tuned for this interview it's coming up at approximately 11:30 eastern time earn about 25 minutes. Student debt refinance options coming up. Kim what do we got a joke. Well Jones algae Blake is joining us she is the author of nutrition and Buick to blog that you can find on boston.com she's also nutrition professor at the U. And I don't it's great to have you with us today we're talking about muscle atrophy. At oh my goodness if that would step back up back from a conference. Up. Just imagine at 101000. Dietitian and went by I would jump up for lunch. You've but it absolutely I don't know. That might. I. I believe you. Oh yeah you'll DeRozan statistic in this week's blog about the fact that at once we hit forty. Muscles start to atrophy pretty quickly right. I do not map to sign. It was so important that as an adult that we maintaining if not build up about the man opting that would could died in Quincy is an exercise. And what I was at a conference and if phenomenal. You know. Lecture on. And it is viewed wonderful man who do at least pick on the and what it looks like not only you'd have to spread out to prove to that day. And what they treat getting you know about twenty grand approaching each airport killing both American and most of the talking Goodman. We want to spread out I had exit blocked about the while ago but now they found out that this this. Our current cancer and mean Iran adequately. See. That is actually very important to act on each app because that's what is that it is not eager to balk at it this. That making a month and apply that today and you can refine that into how I would open cottage cheese is it does that connect. Most dairy panic neat techniques are good. Plenty Dubuque take home messages is actually it would all get all of these years. Is spread out the routine. Let's mention anything about the Ares elect. On at each meal at least at this unit immediately that it should India content is the most of that today. All I've read many times Jones that if you let's say like you said you will stored up for the evening meal we think you know we're gonna have a great big steak or whatever big piece of fish. But after a certain amount of protein your body doesn't really use it anymore and and in fact we'll stories fat. I won't enacting it. Yeah we you lose you to proteins meat routine eat but the day he continues system and wonderful. But if you like taking into many print calorie bacon between Paris and at peak. He kept what do you expect the compact would they do was break down that routine and Ebert wrote back about because access talent. Ethnic and it's the work that. Yeah yeah. So that's that's hands that they hit two spurted out throughout the day. Yet and we need spread you're also gonna get a couple of those. A police dissatisfaction couldn't know that which makes it kills people. Wedding announcement that pretty typical of what happened to me to think about maybe two appearances yet to let that each meal. It'll be there in detecting an amino acid can spot among the men. Creation upon. How do you feel about protein shakes. Now calm calm calm and it's not like to bring food. So you know I'd like like it definitely. Chilling word at killing and cutting and eating at that sanctions. Go into great. And you could really get in a routine from Guam or food groups that you don't have to quit and get like you know actually patty can pitch and get. Distillers and you panicking getting and then began with. There are you pro the guy I eat a lot of beans and nuts to get it on cutting back on red meat prices and bad for programs. But the speed and that's the good give Barry that they are. It was approaching. At the weather I think nutrient what you really want to forever don't Japan. Well I just wanna feel good Lama long into trying to avoid the the Staten drugs right that's a nice you know only if you'd be. That's the lot of people are on Staten drugs and and some people can take them without any side effect I'm not one of those deep run by a very sensitive to so. I have to eat less. Animal based pro team in order to accomplish my goal. I hit a very active Smart because. Usual we go to guys first and that's what can. And manipulate it died down most classical novels and for some people can be done. Some people even though they do everything unbeaten and you know but that was first to disconnect list development tactical jet. And thank goodness they're going to be available to do that but really he died should be frequent and. I hear that ridge east ever you read it right a lot of people has raid east instead of the sad. The public debt and buried today have to make sure where that's coming is not regulated like drug. And it is regulated to do it exactly what is supposed to do with Google. I have read eastern Cuba he's not going to potentially that the one UK and the be do what you need to correct. I did notice generic you know I did not I guess that would be accused of just about any supplement right. John thank you are up again it's nutrition and you know you can find at a boston.com talked this week. We figured this guy the the guy who jumped over the White House that yesterday. Shuster another crazy it's 23 year old man was arrested by the US Secret Service. After jumping over the White House fence today as authorities were on heightened alert after shootings at Candace Presley did after the accident that. Is it and it. Is what's really scary about this lone wolf issue as well lone wolf. Attacks spur on and more copycat attacks. And this is this is a parallel reality that high school kids yeah that's right exactly because of shooting you have these again let's go back to the idea that this guy this guy and this 23 year old he had mental health issues related. You don't sing you've got a guy who's disenfranchised. He hears about somebody else doing it get attention so then he thinks what can I do to get attention this is what I'm gonna do you know. I don't he was an armed he didn't you know he just he jumped the fence and fortunately since the last since jumper that put a second set offenses occurred afterwards so. You knew you gotta go over one offensively and get over the next one ball one time peace or to attempt the next one day to let the dogs out and be at the White House. And on this guy hurt dogs and dogs hurt him. The dogs are reported to be okay he's reported to be okay as well but that that's I guess the first line of defense at the White House now they have these dogs and. Lately we've got sharpshooters on the route chirp I think the idea here is they're trying to avoid shooting. Someone who's unarmed like this guy 23 years old and has mental health issues and now he's going to be institutional history take care for the twelve years that may be true very collegial Latin he's all done. There. If you guys and gave lectures I response to that is you know what I'd rather him being in in institution somewhere. The forty or somebody else. Before it hurts somebody and then we put two bulletins. And that's about where that would have gone right because eventually that guy's gonna hurt to get to the same place. Well. We got there is definitely just took it rental houses destructive I mean that we don't wanna laugh about that that's not a funny thing it's a terrible terrible thing this country is a perfect example someone who's so irrational they tried climb the fence at the White House knowing. That data is not going to be allowed you know it's a terrible thing but. Even more importantly it's a copycat issue associated with what happening which. We've a prediction on oil prices coming up next on the exchange. Barry Armstrong and Ken Kerrigan yeah. Right here in the financial exchange radio network. Mortgage rates are still at an all time low and it makes sense to take advantage of these rates whether you refinancing or buying a new home leader bank is a local bank it's one of the largest mortgage lenders in New England with very competitive race asking their experienced staff about mortgage financing options. And get a very competitive low term fixed rate for your home whether refinancing or buying a new home work a leader bank call 8776917900. Or visit leader bank dot com leader bank lent over one billion dollars last year to homeowners. In the Commonwealth of Massachusetts. They're the true experts in mortgage financing. Deal with the local bank today and call 8776917900. Or visit beleaguered bank dot com for all our home buying or refinancing needs 8776917900. 8776917900. Or visit leader bank dot com or email loans at leader bank dot com. Today -- senior citizen has a one in four chance of spending time in a nursing home will you be one of them what would you do with your spouse didn't have enough money to live on because you're in a nursing home in depleting your assets by more than 101000 dollars each month think about it how long -- your money last if you had to write checks like that each month how would you feel if there was something that you could have done to protect your spouse but you failed to act don't put off protecting your loved ones any longer. Collar office right now to request are bringing new guide that will teach you how to creating a state plan that will not only protect your assets from a nursing home but also help your family avoid probate keep your money in your bloodline. And potentially eliminate estate taxes. 8668485699. The law firm of Cushing and Allen has been a valuable resource to thousands of families for the past thirty years it's time you found out how they can help you. 8668485699. 8668485. Editors. Jennifer relatively low risk investments that can easily be converted into cash often turn to certificates of deposit to leader bank is currently offering 825 month CD with an impressive one point 3% EPY for new accounts with these kinds of rates now is the ideal time to take advantage of this great opportunity from leader bank to learn more about the 25 month CD with a one point 3% APY call 8776917900. Today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today -- by a leader bank branch or call 8776917900. To learn more leader bank a step ahead mineral deposit to open -- -- annual percentage yield is 1000 dollars mass residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member FDIC rate effective August 21 2014. Hi I'm Joan Lunden and appear worried about your parent Carol Loveland living alone like I was. And you are reliable senior carry information in call a place for mom. The nation's largest senior living referral service you'll get free information on assisted living alzheimer's care nursing homes. Even important financial information. They had obviously researched every place not just given me names. They found me a place for which she could afford and it was magnificent. We're now. Very confident that she's safe and they just helped every step of who to thank them. So if you're struggling to. Find reliable senior living information call place for mom this is a free service and you can trust them to help you. If you're struggling to find reliable senior living information for your mom or dad. Didn't call or go online to get the free help you need during this turbulent time call now 804677530. 804677530. Text your questions or comments to 686 AD it's Barry Armstrong and Ken Kerrigan on the financial exchange radio network. I hear that question for not a trivia question but I am curious as to what you guys think oil is going to do in terms of its price. Oil right now to use trading at about 81 dollars apparently dry dry yesterday that we. Do you think oil is mostly more likely to go to seventy dollars a barrel or 94. Well would your guess. Hold aegis. I'm gonna be surprised if it drops to suck and I'm really goes lower or higher I think he could go a bit lower. On and you know for we consumers that's great news we honestly think it's been cast eighty's good news for sure Richard can I remember it very recently reporting and 105 dollar per. And climbing at that point you look at what it does just remember. Every penny. At the gas. Use a billion dollars in your pockets in my pockets and it just that's what the numbers right nationally. But that that there's a flip side to this that we. Consumers may not be thinking that it doesn't directly affect us. And that's a fact that as these as is it goes lower and lower the chances of fracking in this country. Drying up in our greater and greater. So we're talking about a lot of jobs. And a lot of people who will be negatively affected by the lower cost you raise a good point because that's the unknown is how load is a news I've tried to get. A straight answer this question a million times how low does oil have to go before. Fracking starts to slow down before the oil saints out and western Canada start to slowdown in the Permian Basin acted because that's when the jobs right a lot of income being made we talked about it earlier today's program. How load of energy prices go. But hey here's the year at the thing the stock market want to let them back. My big investors. I don't a lot of energy stocks both personally and in my client portfolios or so there's a part of me as eulogy actor like that ninety dollar barrel oil. The fact of the matter is though only about half. Americans own any stocks right exposure to equities at all. Where's 100% of Americans benefit from lower energy prices and I'm telling it is neat Jeffrey gun like he's a bond he's considered the the bond king now the bill grosses. I've been shown the door. But he takes oil's going to seventy dollars a barrel. And you know what I'm I'm gonna reserve my prediction I'm gonna say we trade in this range with the on and say this I predict that we trade in the range. With the five dollars of where we are to base of 75 is in my bar I think that's an ounce mark the 85 is my top writer in the next well but it if that's true camp. That is. That's very. It it's good for our economy. Yeah house athletic good for right if they think truck series I would think if it drops much below 75 were in trouble meaning meaning. That sector is going to be in trouble I like it because it doesn't matter when the make ten bucks an hour or you make a 110 dollars an hour. Lower energy prices help me it's just that simple it is. Speaking of energy Rhode Island ranking third in the nation for energy efficiency with title. That's down there they've got themselves efficient Canada had a good free amber got an act tied with organ and Vermont. And die just like oh only in Massachusetts guess where Massachusetts house. When are too and yes and number one and California is number two. Which is pretty darn good you know so we have to be efficient because it's a darn expensive that's exactly what it is some reptiles suffers from the same thing they do so they have to support talking about you know. A lot of different things in that state that have made them energy efficient thanks to. I don't like amnesty to bury. Are our number is out looking for a new I don't know washing machine whenever and I can't tax break that I got an energy efficient machine at again same thing happens if you. Change out Europe if you literature iron it out your air conditioning system those so we've made a lot of tax breaks we've made it look good for people to be energy efficient and intimate exact same thing down their island should be doing it at all across the country to be known and now you've got a situation where corporations. Aren't getting involved in helping their employees install solar panels in the world who would who would have guessed right I saw a quote this article. Did some really big companies by the way yes and one of them was in his executive from Cisco. And as person said that they were getting constantly getting emails. About wire me recycling such insights in and you know why why do we use so much of this when we don't need it. And this executive realized that they had an employee base that was very interest in being efficient. So. So they bought into this idea and an apparently a lot of their employees are also buying. Well it's it includes companies don't you ski via few companies Cisco Systems three yen extended media yes Kimberly-Clark National Geographic. There are offering financing. To either please a kind of makes sense because they know first of all waited their long term mentally. They know how much they're making you know the only job and afford. The so you know from the standpoint of if you're gonna do it. Great way to go green on yes and there's some taxes and for the company I would think so ended may be some incentives for the employees. Because maybe these companies. Because they're so big. They they can get this and just how angry right. I've heard of towns doing this in new and never heard of employers know this mine is the first time I've heard in the it actually makes more sense for employer because again an employer can verify your income and knows what you can actually important earned. Solar powers great if you're the one that's installing it and if you're the one that's receiving the benefits from it it's not so great for the rest of us at a don't think it cost us the hey hey mark if you're not using solar power a year ending up you're you're paying a lot more electricity act that says something goes unsaid we. When you follow these stories so I was thinking about this this morning because like this that I don't ever use his power. Happens when people lose their power for long periods of time does the like I lost my for five hours it's nothing that I mean of all the people who are saying they lost their power for. You know ninety days and to remember that and I don't remember. I Al I don't only do I knew I was right at the holiday season absolutely but those ice storm. Was that October no that was that was in December I think it's the same storm you're talking about was about three years ago. We just that we get hit slightly here they got hit dramatically. What about the people and injures and make him thanks indeed it were months months. Without having electricity but the people in Boston on Long Island right to kick it to their homes because the bridges so decrepit. And that terrible and it's like here's the situation the city has taken care wrote you that. Hundreds of people that write books as a result of the city's incompetence. So we'll make our mayor mini coop is for all that that's the violence of the and and homeless shelter it's awful if this were folks if it's not. Heavily covered story because mentally what is it out for about 400 people write news terrible. That's what happens when you need collector first witnesses. Some to wonder hasn't happened in more places quite frankly. It is. My poll. He's he's out of the hospital yes. Photographer yeah a photographer. From. From Rhode Island who had a goal luck. And they said that he's doing very well he left yesterday. He was out in Nebraska headed to the island today. Probably back at home already. And dial looking very very well. He said he has such an appreciation for the doctors and the nurses who treated him he's such an appreciation for the people who. He was watching die in Africa with it. And English in American he'd be dead that's right and he is the example. The doctors are saying he's the ultimate example 'cause he's young you know his fiber. Of if he fears early detection. And you get a taking care of EU walk right out of the hospital feeling pretty well I think that's what's gonna happen with these two don't nurses as well there girls in Texas. Oh great I hope so too. Here's your third trivia question of the day. You've scored a 26 on your last BR in the range. What badge are you allowed to Wear on your uniform OK now you're in the army right he scored a 26. When your last BRM range. Now there's a badge that you're allowed to Wear on your uniform what bad is that you know the answer that question please text us 68680. Is our text number. And Kim. I'll tell you what I think there's about a trillion more than a trillion dollars of student loan debt out there. Yeah a lot of people are paying very high rates on that student mold it's deferring its seven and 8%. There's a new company private institution. That is offering a new option for you to refinance student debt if you have a young adult in your household. Has recently graduated college and they're saddled with high interest loans. Student debt you know wanna make sure you stay tuned in the buck joined by Anna Maria Andrew got us talking about this new company refinancing student loan debt. It's very Armstrong and Jim Derek yeah it's right here on the financial exchange radio network. Investors searching for relatively low risk investments that can easily be converted into cash often turn to certificates of deposit Peter bank is currently offering a 25 month CD with an impressive one point 3% EPY for new accounts with these kinds of rates now is the ideal time to take advantage of this great opportunity from -- bank to learn more about the 25 month CD with a one point 3% APY call 8776917900. Today or visit one of leader banks conveniently located branches in Arlington Belmont Cambridge or Burlington earned more interest on your money today stop by a leader bank branch or call 8776917900. To learn more leader bank a step ahead minimum deposit open and earn annual percentage yield is 1000 dollars mass residents only penalty for early withdrawal including -- penalty which may reduce earnings -- subject to change without notice member FDIC rate effective August 21 2014 very -- -- here with your financial exchange quick tip of the day I'm joined by Todd let's -- from the law firm of Cushing handle and Todd I've been told that if a married couples is worth a couple million bucks they could end up paying -- 100000. Dollars a voluntary taxes to the Commonwealth of Massachusetts. First of all I hate the idea of paying any kind of unnecessary or voluntary taxes how could this possibly be true. Yet here you are Meebo I Mena as much as I don't like to pay taxes I like it even less of the pay taxes and don't have to pay right after ten and this would be one of them. So that the reason is that in Massachusetts we get this one million dollar exemption for estate tax purposes which means you me there week everybody are espouses. We have the ability to leave up to a million dollars to someone other than a spouse and not pay tax how do you do that without this inheriting your spouse you create simple trusts. Whether they be revoke a bull or irrevocable. Depending on the type of plane you're looking to do. You create these trusts and and most importantly you transfer some of your assets into these trusts so that on the first death. You're leaving assets in trust for the benefit of your spouse. And that money and would be less than a million subject to taxes the first state. Under your mail therefore any. Leaving not owned by the surviving spouse this your spouse only owns the assets. Trust. And as long as they're less than one million week now successfully sheltered two million dollars and didn't give a gift a 100000. Massachusetts why would you pay. Hey a voluntary estate tax to Massachusetts when you don't have to. Get this free guide it's called back to the basics a complete guide to an estate and an asset protection plan. Call toll free 8668485699. At 866. 8485699. Back to the basics and complete guide to an estate and asset protection plan toll free 866. 848. 56. 99 you may be wondering if you've saved enough to make it through retirement now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like your included in that category then we have help for you us today and 86681064222. Request a free guide on health care in retirement planning is crucial and may even help lower costs and Knology they're paying for health care in retirement is a major issue is just the first step the next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered through securities America -- member and -- SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and the securities America companies are an affiliate -- bank is offering you home equity line of credit and only one point 99%. Annual percentage rate guarantees for the first twelve months of the little after the first year -- rate goes to primary for the life of the -- and we'll give you credit line up to 300000. Dollars you can use that line of credit to pay -- car loans student loans or he can use it to make much needed home improvements you can reach -- bank for this one point 99%. Home equity line of credit by calling 8776917900. Or visit -- bank dot com there are no closing cost as long as you keep a minimum balance of at least 25000 dollars for ninety days 720 minimum like a score 80% Mac's loan to value Massachusetts only one and two unit owner occupied single family properties 350 dollar termination -- if it's paid off within one year crime and eight PR -- variable current prime -- eight PR 3.2 5% maximum APR 18% subject to credit approval member -- equal housing lender and MLS 449250. Yeah. Follow him on Twitter. I'd KK interrogate him you're listening to Barry Armstrong and comparative. On the financial exchange radio network. I mentioned this earlier in the program. And as a trillion dollars a student loans out there and I I I have family members that are saddled with high interest rates too little too and I saw the story about. A new option to refinance student debt who we got to get the author of the story she's a frequent guest on our program her name is Anna Maria Andrea oddest and Maria are area. And Anwar Harry good to tell me about common bond this is a private company. That is offering a pretty minor it's pretty aggressive student loan refinance package. That's correct and from what we are aware of that it's really a first with the industry a credit to get loans. Common bond is being on paying private student lender. With a fairly recent company launched a 2012. And Billy would specializes in is you refinancing pipe it to get blown. Still what it has come out with this week is eight. Loan option that is potentially very similar to what adjustable rate more to her light basically be interest rates sticks to the first. Five years the war becomes the variable for the last five years of alone. Well that would actually be pretty good deal Irsay a young doctor would right or earned a somebody who gets out of school with an NBA era GB. Because they've got a ton of debt their priority with a 15200000. Dollar for the debt. And though they're largely the types of borrowers that let there has been working land on. It needs to do that the program and it's offering is open to students to to graduate to have come out. I'm a law medical engineering program as well MBA programs. Critically from about fifty. I'm very selective universities and potentially do we at this company launched it believed was a focus on its. Looking at borrowers who have essentially really can prospects people graduate from its pool of and are therefore unlikely to have problems paying back their loans. And the lenders has talked about how most of its borrowers making pretty good salaries and you have high credit where. How much capacity do they have and Marie. So how in terms of howl much originations they've been dealing. Common bond to pass passenger million dollars in private student loan originations. It's in September of last year and Eric. Backed detects heat about one billion dollars over the next two years it is the lenders that is rapidly expanding. It to be clear if he really doesn't mean among the smaller of the few private did wonders that are out there. Essentially what what's been happening of really over the past year. Is that an industry that would pretty much quiet and not really offering innovative products on its. To borrowers has really transformed itself twisting a pickup in private student loan originations across the board and more lenders are offering weak side as well. In this is not a government institution in anyway is it. No doubt this is strictly a private lender under what they are also doing to entrusting. And aren't that they are offering it with this new loan it they are allowing borrowers to refinance both. Tried it and federal student loan team to a new private cloud. With where did they go like if somebody's listening in and they say gee my grandchild as a lot student loans. Who where it was the web site her out of they'd get more information on this guy. Right so army to go online and he'd go to their web site which is common. Bonds. Got to see oh and that is where you'll get more information and you can get contact information as well they are disturbance there. For all of their loans it's so there aren't the bar were concerned that you know what happened this state. I felt alone to offer naked and you servicer. They will be dealing with the lender cost throughout the life of their alone. They get Emery let me ask you I I know you're talking about law schools in June and down. MBA programs that we're about undergraduate. Okay that's couldn't get a little more select at least in this slender indeed to offer. A rich nations. And abbate to offer some loans. For undergraduates by Billy pre dominantly. Cases of bow. The borrowers to have come out or who are mean. Mary apple active programs. Four there and be a problematic engineering program. That you need to have some type of debt. From these programs but it just was spit in order to be considered. So that's another thing to keep in mind right what what were keen with the private studio under tree now and particularly acute across the board. Is that the the borrowers are willing to work with need to because borrowers. Have tax hike credit scores. In many cases being co signers. And they are looking at your income underwriting these loans as if you were getting what they more. Right. Well great worker Andrea thanks for bringing historic tension and pressure. The what they want him. Right now are we talked about the Harvard law graduate. Starting salary go to Harvard law starting salary to a degree right. You're in that school is waved at school works is. You go to med school you saddle up with a bunch of debt say 15200000. Dollar for the day. And you go to work if caught your internal church pie that's going to be depending on what he wanted the. Specialist and act could be six years my. Will during that six year period time nearly naked 5560000. Dollars so all your pain during that period times. Less than half the interest on them alone but when you're done right the that's where you you Utah the box. And that's when your making you. You know if you're if you're well thank you get to 300 feature that this company want. As that your of course if they don't want the kid graduates. From Bridgewater state is 40000 dollars with the debt. Right right and in and make it fifty they want the NBA out of Cornell. They want the NBA they would GD they want the the MD. And they're gonna type the parents and the way the loans work is its fixed for five years which is pretty cool it's convenient for our percent range. And and the risk that you take is that if you haven't paid all law. In that by your rate could go as high tech and adjustable rate or Rickie goes ties percent. So buyer beware of course but it's in it's not for everybody clearly. Now it's it's a specialist in excellent. Hey if you scored 26. When your last BRM range you are a marksman and you're allowed to Wear marks the match. On your uniform than idiots Richard Neer that he's in plus style New Hampshire. All right when we come back Greta talked about apple paid they have a weight problem. With some of their Bank of America users were to talk about that and literature. Yeah this is the financial exchange. On the financial exchange radio network. Hi this is very Armstrong from the financial exchange recently I've been hearing many reasons why we should consider buying gold geopolitical uncertainties stock market corrections you name it I don't disagree with the idea of buying gold but I have always been suspect of the ads that I see on late night television for even the ads frankly that I hear on the radio I like to buy gold from a local institution that I trust I owned gold and I bind my gold coins from leader bank I walked right into any leader bank branch and I can buy American Eagle gold points leader bank is a local bank with branches in East Arlington Arlington center Arlington Heights of Belmont Burlington and Central Square Cambridge thank locally and buy your gold coins locally it just makes sense give leader bank a call and learn more about their gold coin. Programs 8776917. B 900 or visit leader bank dot com leader bank a step ahead not a deposit not FDIC insured not insured by the federal government agency not guaranteed by the bank may go down in value. You may be wondering if you've saved enough to make it through retirement now add to that concern about health care costs and your stress level may be shooting through the roof when you're not alone researchers report that more than half of retirees. Are not feeling confident that they have saved enough to pay their medical expenses during retirement if you feel like you're included in that category and we have help for you us today and 86681064222. Request a free guide on healthcare and retirement planning is crucial and may even help lower costs and Knology -- paying for health care in retirement is a major issue is just the first step. The next step is to understand what these costs will be and to incorporate them into your plan that number again is 8668106422. Securities offered -- securities America -- member and -- SIPC an advisory services offered through securities America advisors Gary Armstrong representative Armstrong advisory group and securities America companies are unaffiliated today's senior citizen has a one in four chance of spending time in a nursing home will you be one of them what would you do with your spouse didn't have enough money to live on because you're in a nursing home in depleting your assets by more than 101000 dollars each month think about it how long -- your money last if you had to write checks like that each month how would you feel if there was something that you could have done to protect your spouse but you failed to act don't put off protecting your loved -- any longer -- office right now to request are bringing new guide that we'll teach you how to creating a state plan that will not only protect your assets from a nursing home. But also help your family avoid probate keep your money in your bloodline. And potentially eliminate estate taxes. 8668485699. The law firm of Cushing in Dolan has been a valuable resource to thousands of families for the past thirty years it's time you found out how they can help you. 8668485699. 8668485699. Mortgage rates are still at an all time low and it makes sense to take advantage of these rates whether you're refinancing or buying a new home leader bank is a local bank that's one of the largest mortgage lenders in New England with very competitive race asking their experienced staff about mortgage financing options and get a very competitive low term fixed rate for your home whether refinancing or buying a new home work a leader bank call 8776917900. Or visit leader bank dot com leader bank lent over one billion dollars last year to homeowners. In the Commonwealth of Massachusetts. They're the true experts in mortgage financing. Deal with the local bank today and call 8776917900. Our visit beleaguered bank dot com for all your home buying or refinancing needs 8776917900. 8776917900. Or visit leader bank dot com or email. Loans at the leader bank dot com. But best in business is right here. This is the financial exchange on the financial exchange radio that. Every day during the course of our program I get him here in a little bit of trouble. It's just become better. I would be on the program that would be a all the way and in memory at. What they need for years probably she's been talked about the dynasty for. You know for quite some talk about that much BS and no she talked doesn't make sense when you look it didn't care. Do you think hillbilly. He's got review unit they say about batters they now weekend and look at it and care did you envision her hanging around with. I just am attracted to them because I don't know anyone like them I don't hang out with people like them I was wondering if this is how everybody from misery. No it is that it is that it now dynasty built is that a misery you know now. It's like in. Its place and now it's breakdown is not the same you've got to get out of New England. Where military branch did sci Robertson from the television show ducked dynasty belong to you know the answer I the uncle. Is he crazy uncle there'll create bureaucracies agrees it. I I learned that much but watch and perhaps it is at that that would. If you know the answer that question you can text us at 68680. What military branch did side Robinson. From the hillbilly showed a dynasty. That was it I will tell you one thing. You know they are really strange and it's strange but they're left with yeah actually we need to get them as a client here. Alan. Let's talk about apple may end good news and bad news but the good news is that visa and American Express think of the cast me now and that's a good thing. That's a really good thing bad thing is. They had goof ups and put everything right on the first couple days and and it's unclear to me when it was on the air park right. Or Bank of America is the only Bank of America at the problem you're right but here's here's the problem as consumer. You don't know any different you distillers group but so what do you think you think apple plated mark. Askew. Got charged twice by the way that's what didn't work and that's it for you that's a pretty big goof popular restaurant that is because they you know that cause checks that bounce off. You know problems at the head it was a winner to not and a lot. But with all of that said it. Do you think that apple. Is going to be. The tool that yet since we've talked about giving wallets and not having is this the mechanism. Then it gets the wall it's out of our. Well here's what I think about apple because after little little survey who have been around about asking some people I'm finding there isn't. An absolute. Age. Discrepancy or are I guess it would just what does that you know. Age has to do with whether you think this is denied there. I've noticed that a lot of people well I thought a lot of people who are younger think it's so cool because. This is the world they live in anyway she is clear. Now being hurt well I also think your parents say you're Texan by. Like I I've vast number of people who. Our. Baby during agent older and they don't like this idea they would never give up their act and give up anything for their phone would let your actor dad yes I happened asked my mom and dad would only say. And my debts and I'm not gonna do that I don't even like text. And so you know I mean he didn't you know my dad's in his mid seventies and you'll be all over yes he said he's Droid users to. In this might be his right we might change him over will we only have these panels but I'm gonna happen it. Angela for Thanksgiving and show him who then right. Why do you see what I'm saying that we can see where this might be an issue. I was working out yesterday so I was taught we without talking about it because one of the ladies there had and had tried it out this was Tuesday. And she tried it out and she thought it was awesome and people there were saying oh I would never do I still don't understand. These men are gonna do your husband and I know in the night Randy willed this is something he'll embrace. Because it just means one less thing to carry around yeah rate you don't need to wall that off that. But it's going to be a few years before this is fully integrate I think so it's gonna be. It it'll be on a call three years but I'll tell you what Apple Stock rock absolutely rocking today. It in our day. I I hesitate to tele. It is it apple shares of apple. Upload dollar 95. In running hard meeting the volume and a very heavy page there a 104 dollars it there they're their all time. Because they get you got to understand right. They get paid we we pay 750 dollars for their phone would you like to admit pattern that's what your pain and apple. Six or six plus a 756. Might be. Something less than you might say well viola pay to fifteen month trust in your contract soul yeah somehow you somehow you paid and there are pain. So they're gonna get paid every time I use. My idea apple and that's where the big win in his turn apple right and who's to say that they don't say T. Her maiden will by MasterCard or maybe will buy him right. Well and what's gonna happen just like you said they could go either old credit card company could yes. If they get if they speak they grab up on those big named company. Flights out in that android even if they have the same service if apple owns these. And make any difference in oil and that's what getting in the team first like this big is gonna do form and guys like your dad are gonna change from. Android and apple I think what they want I that's what I wanna find out is that because. In Droid has now rate the is that the technologies fair use your phone is a credit card and it sucks nobody uses right. It's it's gonna take people a little while focus right now people just don't understand it the first thing they think is alike don't want my credit card on my phone. And I don't want to lose my phone to mr. bill fine but understand that's your actually safer than here in the car new while its spiral. It's gonna go firing him in and people are gonna go to restaurants and they see this guy that is his phone for dinner that's the that's what it's like what do you do about lately do you attempt. Bill that you've rated on and checked you know in Maryland in they'll probably had something at a restaurant they're gonna have a mechanism it comes to your table. What right. And social but I guess what I'm asking is that do you. We build in a tip on the mechanism or will you build it in on your deeply in on your phones in. Yesterday there's a lot of questions figured out. So cy Robinson or Robertson was in the US army yes he Brent from what he'll do. Primal touches those hillbillies like I do again. I've always said David duke it you can take the girl out of miserably at it take loser and a girl and I'm glad you came to figure out and a girl. When was the last time. Either these guys had Domino's Pizza. We had a conversation. You've dealt with right around the corner you know. Almost life long time I hear their products pretty darn it. I hear it added that like their. When was the last time you had a. As for years it goes to Arab consistently. Manhattan College right that was donor we're only way you get a I'm very particular pizza it's like love pizza. So if I'm in a town and I don't know there. Their town pizza percent a year I don't know it's like a trusted your town you know he you know he's saying I don't trust our study domino like I go to my own like I've tested my pizza. So I know what I like I was too eager not a topic answer puppet gene knows your pizza guy and if I go to midfield and I don't know midfield town pizza well I ordered Domino's right it's the first is at least equal numbers at least they know what the product you if you go to bed. That ruling. It feels pretty anti well I love this because we we laughed about this couple weeks ago saying that we knew do you have Domino's Pizza to take you backed college immediately the minute you take a bite of it the of that cardboard pizza. Now. Hey that at a true. On a highly concerned about dominoes for some reason with. Always growing up there was always deliver and I never thought you could go a lot recently I've seen you can go into a weekly. They're yeah I would never wanna go in there. I know that they deliver world. I shouldn't say that he's in the night we were for Bob Jamieson has played football my plan Malden Catholic and there is a Domino's Pizza is big is this whole office suite. Next door huge. And Randy walked in I'd forgotten and it was just you know I went back and how he didn't do anything to Salina was so long were we were gonna get back into the JC I'm telling you they've cleaned up there well so much so that on they've added a 160 stores in last quarter and their stock is it. That your stock is at 87 dollars a share of the 52 week lows 66. Dollars a share. So it's at its 52 week high it profitable they're kill it there make. Z eight just hasn't tried OK so David they say it's the secret sauce. I do like this yup they say it is but listen to this they have they have these new dings on the menu. So let me just the latest Sonja and spoke with this at home they have this new thing called specialty pizza it consists of lightly breaded chicken. Topped with cheese and other toppings like bacon helping unions or what ever you would have on your pizza so they don't know each chicken. Instead of don't. Mean that's kind of things that they're trying and I guess our our success. They need to work and lucky we all had experiences whether be at McDonald's and pizza there. You know news dominos where it wasn't that great night acknowledged they did not have a good product but they came out they fix the acknowledge first double publicly. If they did their pizza wasn't didn't taste that great great they had some fun with their television campaign they did and and they fixed it. And now people are eating it in near Killen at around college campuses all the Catholic. Where lightly through there a horror as you have all the Catholic in the mall the high school exactly a block away and ages you know replaces just pack sell anybody wait McDonald's. Listen up. That's what they need to do that's their problem folks a lot of people have been asking me about that student loan refinance option. I just pulled the article to be about ten minutes and posted on our FaceBook page. We are these financial exchanged on the east who.