Transcripts for WBHP 1230 AM/W273CX 102.5 FM [The Big Talker 800/1230] WBHP 1230 AM/W273CX 102.5 FM [The Big Talker 800/1230] 20191031 160000

Has done nothing wrong in accusing Democrats of wasting time on a sham investigation meantime the closed door depositions continue to Morrison a top Russian adviser on the National Security Council is the 2nd White House official to testify who was on the phone call when President Trump asked the Ukrainian president to investigate Joe Biden and his son Hunter Morrison is expected to corroborate key elements of testimony already given by the acting u.s. Ambassador to Ukraine who claimed that military aid to Ukraine was being withheld until President Selenski announced such an investigation says John Decker at the White House on Wall Street a sell off the Dow is down 100. 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That technology credit union our mobile app is available everywhere your family needs us. Did you see you will be coming I guess notified of. Did you make your car payment on. Right now I want. If you find an a.t.m. There is a block away from the hotel in Rolodex e.u. Savings reward promotion and earn up to $1000.00 go to Texas dot com slash save more. Than grows and matures into a young man be sure that you give him what he needs 1st he needs you to be present and a little moments and in the big moments 2nd he needs you to affirm him and tell him how proud you are to be his dad finally he needs you to love him unconditionally that means no matter what love your son well by giving him what he needs and remember your family 1st want to connect with Mark on Facebook you can at Facebook dot com slash mark Merrill family tips great resources and a sneak peek into his life as a husband father and leader the family minutes with Mark Merrill. From the Yellow Hammer looping Weather Center. W b h b Weather Center forecast this report is sponsored by b.m.i. $2.00 to $5.00 that's AAA $8.00 to $5.00. 2 to 5 right Joel is one of those and Washington hi Rachel welcome to the Dave Ramsey Show. Hi Dave Broder to speak with New Year to what's up. I really want to know if you do it Mike you know this is kind of my ha moment and I was comparing and the bill numbers are going up and I've been paying on them for what seems like forever and I am in the income based grand and on the federal student loan forgiveness plan which I'm not counting on it but I'm wondering if I should refinance that and be playing in the fall on the mound now while it's on my that snowball it's kind of the top one on my less right go or should I just keep them in the income based class and pay that minimum balance and then just keep it there while I'm on the debts now ball or refinance sorry when you get where you're now at the top of the debt snowball you mean it's the largest debtor your smallest that cracked the largest Ok and so on how much other debt do you have how much debt do you have total not counting your house. Not counting my house. About $800.00 on one credit card $3800.00 on another conductor not a line of credit I have a $17000.00 car payment and about $30000.00 to know and what if you're not on I think about $60000.00 a year and I'm a single mom. Pretty expensive car. Rental Car p.m.i. Ok. And you're just starting this whole thing yeah I did started the budget every dollar about and good for you how old are you. Really want good for you Ok good good on Prodigy a good start All right well the income based is never is always going to go backwards almost always depending on your income but usually it creates a payment that does not even cover the interest and so the extra half is added about the balance Ok so the income based does not ever get you out of debt in been less you have a very high income which you wouldn't be on income base usually for then so and as you know you've already discovered in a short time listening to us that you know we're discovering the income our the student loan forgiveness program is a fraud. 30000 people have applied for it 93 have gotten it and share my story and I have here that I can now do you know and it's so it's pretty pretty bad plan so anyway the. We've got to have another way to get rid this debt now so we're going to work that debt snowball clear of all these other debts when you don't have any payments but the student loan then you're going to be able to attack the student loan with a vengeance and you'll clear it up in less than 2 years at that point so you probably have about a 3 year plan. Because I heard about Ty's I know you're going to you're going to work extra and you're going to sell some stuff you may need sell this car and get down there and down into about a 5000 dollar car and that'll help you get rid us of a big hairy payment number one how much your payment on that car. About 305 down that's a lot but I have it on a 7 year 7 year Yeah well you 9 more because you're paying it often 3 or your I mean I read of it because what I'm looking at here is basically I've got about. $60000.00 worth of that making $60000.00 so if we do 28 year if we do 20 a year for 3 years that puts you out of debt that's what I'm looking at if you can't do that and your you can't get the can't see your way of doing it in the budget then you do need to get rid of the car but I think that's probably pretty doable somewhere in there you're probably working some extra jobs or some overtime you're probably shelling some other stuff you're definitely not seeing the inside of a restaurant like you're working there you're definitely not going on vacation you have a freaking mess you are cleaning up here and it's scary and I got rid of a can sneak out good but it's scary looking at all this and if you don't so here's the thing it doesn't matter what payment plan you're on with your student loan if it's going to be gone in 3 years anyway. So I mean you could continue to pay the income based until you get to it on the debt snowball and then tear into it right when you're when you're there because that's going to be only debt left at that point you're going to go bananas on that thing and just knock it out and so that. You know how you pay your debt snowball are how you pay your student loan or whether you pay your student loan doesn't really matter. If you're God if you're on a 3 year plan to get rid of it because you're going to be done with it that quickly anyway and that's where you need to be so we've got to get you tied into that let me do this let's put you into Financial Peace University the 9 week class and then financial peace the one your membership which will give you the upgrade for your every dollar every dollar plus and connects to your bank and you can go to the 9 we class and you can get in the online communities that are really supportive and you can watch the stuff we do streaming as all kinds of stuff in this membership it is a very very valuable thing and I give it to you for free I want to help you get turned around on this get out you can do this Sarah is with us in New York hi Sarah welcome to the Dave Ramsey Show. Or are you better than I deserve what's up. Really. Can start. And I was wondering how much. It's up to you you can decide Ok You know it's a pretty simple the reason for your call is is the equation stranger in the equation is the more I spend on vacation the less I put in my house downpayment fund Yes and I feel. Well that's a that's a positive adult kind of a thing not a not a negative shame but just this idea that you know how era you know how much you know you obviously want to go on some kind of a vacation but so what your household income. Or her income is $120000.00 how much is in your house downpayment fund so far we've just reached 30 that are good for you well Don. So I want your go. The goal is to buy a $250000.00 house and have somewhere between 15 between 15 percent to 20 percent down so they want to make room like yes you have 30 Ok yes and when you talk about spending on the vacation. We have budgeted $4000.00 to come to South Carolina for a few guys with his coke id so we budgeted $4000.00 for that putting like restaurants for we. Know you're going to enjoying our son while you're there. Very cool. I would I know what I would regard as a financial issue alive I would do a $4000.00 vacation in this scenario it's not throwing off your goal that much I would not do a 14000 dollars vacation in that scenario. The ratios are what I'm looking at your income the amount you have saved and your goal 4000 doesn't throw you off your goal 14000 would that's where I'm getting my answer so I think you do the vacation I wouldn't trust this great vacation day by the way this is that Iran. If you turn on the t.v. Read a paper or been on the web lightly then you know this country's in the midst of an identity theft crisis Equifax is attempting to settle with its 150000000 breach victims now that's a joke and Capital One exposed the records of over 100000000 Americans these are just the breaches making the news you can't possibly still think you don't need identity theft protection folks this problem is not going away the only way to fight it is being prepared with an id theft protection plan and the only one I have ever used or recommended is from Zander insurance they cover all types of id theft take over the work if you become a victim and even protect your money if it gets hacked they also cover kids for free on their family plan id theft is a nightmare and you need to get a protected call 803564282 or visit sander dot com My Favorite Things are pizza in my bed thanks to my tough to needle mattress but a new favorite thing has entered my life that's right I absolutely love my tough. Mazing I just ordered 2 other phone pillows and I didn't think it was possible but my sleep got even better fellas and if you're one of the smart ones who's already taken my advice and got your mattress go back to t.n. Dot com and check out their pillows sheets and evades you'll fall even more in love with tucked in needle that's t.-n. Dot com There's only 3 things I say you should do before you start your baby steps one of those is getting a will if you have not done the simple task stop whatever you're doing and get it done now go to mama bear legal forms dot com to get started everything you need is in one place and my listeners can get 20 percent off by using the promo code Ramsay at checkout get your complete well package at Mama Bear legal forms dot com. From the Tennessee Valley to your radio. These fallacy Just on then an appalling are with us from San Antonio Texas I see on my screen you guys are debt free Congratulations yet. Way to go how much have you paid off in the last 12 months we paid off $37000.00 very good and your range of income during that time. We've been making in total us together $90000.00 very good what do you have to for a living. We work at a children's home it's our arms of hope both of you yes are very good if you're on campus so that's what really helped us is because we live here on campus and we don't pay rent so very nice so 90000 plus free housing Yes sir so we and what kind of debt was 37000. It was my student loans I got my master's So the total from my student loan Ok so how long you've been married. For a half year Yeah well over 4 and a half years so what happened 12 months ago that such you on fire. Well we got these incredible jobs and we knew that it was a very unique situation and so. We said we didn't want to. Be in debt for the rest of our lives and at some point we got introduced to a financial piece here through our work actually they operate it and we were just on board we didn't want to be paying student loans for the next 25 years so we said we're going to live off of one income and just put everything into it as much as possible and to student loans in I would just have a goal in mind and it happened one year later you're done Yeah I think what time can courage elations I love it how's it feel to be free. It feels good and what I said sometimes I think oh man we spent all that money and put it to the government but now we're going to do the same thing and put it into savings and so it's pretty pretty cool that now that money staying with us instead of just going somewhere else you know now that you've got control of it and you're not working for someone else you didn't have another Sallie Mae living in your in your house there on campus. And we're expecting a baby in the next couple weeks. Or a baby actually due on Monday do you date on Monday oh look at that spot Well congratulations you guys a life is good I'm proud of you guys who are your biggest cheerleaders. Jesus. Gets me here at work are. Just good team here really cheered sun and even providing that program was super helpful for us yeah employers providing the financial piece are providing smart dollar for their teams as it's spreading like wildfire lots and lots of them are doing the whole financial wellness movement is really starting to explode we've been working on for about a decade but we're really seeing a lot of a lot of companies doing this now that's a wonderful thing they did with that to offer that to you just heard of it day yeah you guys are it yes amazing Well congratulations What do you tell people the key to getting out of debt is. You know the key I guess discipline you have to want to you have to want to be free of it now so yeah you need to want to be disciplined and be willing to sacrifice night going out to dinner and buying new furniture and just spending being spending on things to speed up the land and have a goal in sight now oh a lot of your friends are doing those things but they're still and they still got their student loan debt around their neck Yeah yeah they do yeah see we had after college we had travelled some and worked part time and were 6 months in Latin America so we didn't really have any means to pay the debt and so once we accrued the means to pay it we just boom just went for it just like that was a big blessing very well done guys excellent job we got a copy of Chris Hogans book we're going to send your every day millionaires that is the next chapter in your story don't quit stay on pass watch what you're doing and you'll be there before you know it very very proud of you make a 9 any and 1st baby's on the way life is good congratulations. Justin and then an appalling in San Antonio Texas started $7000.00 paid off in 12 months Mike and $90000.00 counted down let's 0 debt free scream. Well. Thank you we're proud of you well done you guys very very well done. So somewhere around 15 or 20 years ago a lady called in from Grand Rapids and I picked up the phone and I couldn't get an award edgewise she just Machine Gun me verbally she's like I. Made up all the debt I did a bit of a debt I gotta have a garage sale I got some we got a bunch is out in front of miles I did it I'm debt free I'm not free I'm debt free and she hung up. I'm like what just happened and we started people saying that's supposed call you've ever heard I'm not gonna say anything well because it wasn't about me obviously it was about you celebrating a victory after unbelievable sacrifice to cause that victory to occur you need a place to yell you need a place to dance you need a place to smile a moment in time go I did this and so people started calling in after she did that the said hey I want to do that I want to do my debt free scream I'm like I don't even know what a difference cream is but I think we just invented it but all it is is the end of a strenuous journey the Celebrate the war is over and there's victory and so we have a victory parade a ticker tape parade Well it's always a victory dance at the end of any strenuous thing and that's what this is this is a milestone marker it's the time that you say I did it. Because you have overcome the odds you are no longer normal you are bigger average you are no longer typical and not only is this just a feeling you had inside but you have proven it with your actions just an in an appalling God out of debt in 12 months they could have taken their new job with her and said oh we're just going to be consumers instead they said we want our lives back we want to straighten up this thing we want to clean this up they're heroes they're particularly heroes to that little baby that's going to come next week and so we have a chance to be honored when you do this stuff and you when you're a hero when you save money vest and you get out of debt and I run into your Chris Hogan runs into you New say hey I'm an a.t.m. I'm an every day millionaire we're going to celebrate with you we're going to high 5 your success we don't shame Pete Best around here we don't think success is a bad thing we think victory is an excellent thing we peak we think people who decide to be victors instead of heroes and we give you a place to celebrate that we give you a place to have that milestone and celebrate it was 17000000 people. We want to solve this is the ultimate freaking high 5 right here that's what it is touchdown you know stand and look and wander off with your head hung down you do that touchdown dance baby. When you win the Super Bowl you are excited when you win the World Series the Stanley Cup you are excited. But battled and against all odds have won and so we celebrate. And those of us that are your fans we celebrate with you. And around here we are fans of our fans. Were fans of you we are fans of people like young couple right there I think there are I think there studly I think there victors and I'm so proud to live in a country generation is going to come up and be ruling things in a few years people like them they've earned the right this is that they. Switch your cellular service to Pier talk USA and save money Jack said I heard about peer talk USA from Dave Ramsey pier talk USA is the best cell phone service I have ever had there is a month. For every one folks all of pure talk usas plans include unlimited talk text and data and no con try risk free today call pound to 50 and say the key word Dave Ramsey Hey guys it's time to select benefits or don't just opt for what you had last year consider choosing a health savings account an h.s.a. Is the perfect way to manage. Health care and you can use it like a 2nd for a one k. In retirement maximizing this tax free account lets you invest up to $1.00 a year for your family for my family we trust the team at Health Equity go to Health Equity dot com to learn more. Home is a big purchase and you need an agent who will fight for you. You and make sure you're getting the best deal or we've all had experiences with so-called professionals who leave us with a bad taste in our mouth you know those slime balls who just try to sell you something based on a commission check Well the difference between a stellar real estate agent and one of those slimeballs is not just how many deals they close but also and how that they do in the process I endorse real estate agents all over the country who meet both of these criteria we call them endorsed local or p.s. My team thoroughly vets these guys so that you are really getting off some agents that know what the flip Lps will guide you into making a real estate decision that is best for your wallet not theirs visit Dave Ramsey dot com. Find an agent near you today Hello everyone this is Chris Ogun and for 25 years our Financial Peace University coordinators have helped people take control once and for all vs people are game changers are coordinators have helped almost 6000000 people change their future you heard 6000000 now it's your turn Financial Peace University as are proven plan to help people dump debt and begin building wealth and how it would feel to pay off your debt and help others learn to do the same don't worry you don't have to be a money expert to lead a class will do all that buys or will help you set up a class if you've been looking for a way to stay focused on your journey to becoming debt free this is it joint to over 30 meters who have helped lead millions of Americans to financial peace to get started just text the word leader 233789 again to be leader 233789 sign up to lead a group today there's an emotional freedom when you finally decide you no longer want to be slaves to your mom. I know I've been there and that's why I recommend everyone goes through Financial Peace University it's our proven plan that's helped over 5000000 people take back control of their money plan for their future and transform their life and I know I can help you this stuff works with Financial Peace University you'll get lessons to help you get out of debt save and build wealth and so much more including the world's best budgeting app every dollar you can take the course online on your own or you can join a local group and go through the course with others who want to win with money and that's the best and here's a bonus f.p.u. Now includes a one year access to the financial base membership an all inclusive Resource Center that equip you with everything to continue your journey you can do this classes are starting soon go to Dave Ramsey dot com slash f.p.u. Everybody wants a great retirement everyone gets to experience it so how can you guarantee that you'll be one of the lucky ones well the 1st thing is to get rid of the idea that only lucky people get to retire has nothing to do with it reaching your magic number is tough and it requires determination and hard work it also takes connecting with professed want to help you achieve your goals I call these pros your dream team because they want to help you reach your dreams you can't go on but when it comes to your retirement saving and planning you need to know what's in your portfolio and when to make adjustments smart investor is an easy. To find investing professionals who focus on you just go to Chris Ogun 360 dot com and click on Dream Team to see a list of professionals in your area who want to help you don't leave your retirement to chance connect with a smart vest or a pro and start building your investing strategy Have you ever done anything really stupid with money well we all have my wife Sharon and I started out with not. Thing and by the time I was $26.00 I was a millionaire but it was stupid with money and we lost everything that's when I learned the personal finances 80 percent behavior and only 20 percent had knowledge today you can decide to do things differently today you can stop living paycheck to paycheck today you. The payoff debt Financial Peace University is our proven program that shows you the step by step plan that has helped nearly $6000000.00 people a lot of make a budget pay off all debt using the debt snowball and save for the future people who go through Financial Peace University on average pay off to $5300.00 to save $2700.00 in the 1st 90 days learn more about Financial Peace University at Dave Ramsey dot com slash f.p.u. Or call the Ramsey concierge at AAA 22 piece. Number one best selling author of the book every day millionaires and the book retire inspired Kris Hogan Ramsey personality joins me this half hour to answer your questions just return and having done a couple shows up there you mean busy have been busy base but we've been helping a lot of people telling them how they can take control of their money now it's passed so you are on with Maria you did business with Maria I did a series 6 am with Karen Hunter was on a couple times with pro and did Yahoo Finance So a lot of hits about 7 and all productive week very dire thérèse it was very much so . Which is the culmination. Which I'm back in the financial mecca right here at Studio a. Play. Christians in Tennessee I Christian welcome that I remember the show your question for Chris Ogun then me. Are you great man how can we help. Ok. I'm 23 years ago I had $45000.00 a year excluding any bonuses. Bonuses. M.r. Carney does not have a farmer in front so I'm looking at my own retirement money want to invest a couple weeks. Financial adviser they were nice smartest or pro. I would you do then them what I wanted. Told them what I wanted to. Ok what is the only one I have now they will put it you tell me I wanted. From listening to them I want to investigate girls start mutual fund 25 percent across the 4 that you wanted that you are that you and you know I'm 23 I think I have a long time today so. I think that would be one of the best. Recommendations for my retirement my view but my view you have you would say otherwise but I'm pretty predictable is what I've been saying for 30 years so why would they not which will function. Well I told them what I wanted to be and I'd go down to. 25 percent in a job. And then they wouldn't do what I actually set up an appointment with the smart that's actually. After not. Very Christian is going to be rich ugh and Christian I am proud of you because the the bottom line is somebody's got confused they were can piece money this was you had a plan and you've got dreams and you had somebody that flat out told you no that's like going to a drive through to get some food and they tell you you can't have it so what do you do you move on my friend I'm proud of you and you sit down with somebody and you walk to your dreams and get someone aligned with you they that's why we talk about the smart best to do that well that's why we talk about having the heart of a teacher because Christian obviously at 23 young years has already figured out when to go question proud of you today than I am to you've already figured out that you're in charge of your life not some other Goob and when you put your life in the hands of when you don't have a life and man I'm view just killed a man you should like that was a manly decision a grown up adult decision well doc can tell me this a 23 years old where did you learn about money. I mean I only ended a very. I just have a lot of drive I don't want to get stuck in a rut I want to I want to be able to provide and possibly retire early on but you know so you're out of debt right. That is written down to about 12 grand that will be. It was an investment on a boat that actually you that I thought. You know a lot of people. Actually going to buy you thought of and come it will probably probably be in a couple a lot that will come within the next. 3 months Ok so you're out of debt you build your emergency fund then you're about to start putting 15 percent to $45000.00 which is basically going to be a fully funded Roth at about 6000 bucks give or take your fully funded Roth or aren't you pretty close to be and sit down you're smart Mr Perot and pick out for mutual funds one growth one growth in income one aggressive growth in one international you understand how to do it because you understand it is what you want to do the smart Mr Pro should have the heart of a teacher not the heart of the arrogant boss. And would show you know your and my lawyer and I get a name and then you're going to be just fine man. The thing there is not. Doing it's that he understood his in charge that changes everything it really does Dave and at $23.00 for kind of wherewithal that's a big deal how long you're going to copy a Hogans book Everyday millionaires because I think I'm talking to one. As well. Hi William what's up. Guys it's all the staple you think. I have I think the Dave Ramsey plan since I started making monkey 40 years old. And it's going to be on today. And I'm sitting in a spot where I got a network of about 2000000 and I recently been sold an investment property to primary mortgage money didn't I don't want to but I want to have about 335 cash and I. My heart my condo up here in Colorado in the mountains to just use and enjoy but I'm trying to understand that's going to let me long term question which I think it's it's a small percentage of your net worth and you're paying cash for it Ok can you afford to let me have $2000000.00 Can you afford a $350000.00 are toy but that's exactly what it is that's exactly what it is it usually I mean it'll go up in value but we're not going to justify it on our own By can and because you've worked your butt off to be here you've lived like no one else and later you live like no one else you know why I drive the cars I drive. Them not because I care what you think. I drove like no one else not drop by I got drive like no one else you know. I thought a lot of conversations with people I try to counsel your way about deferred gratification and I think it might be a good example of that so it is your cause of it and it's a small percentage now if you told me you can buy a $1000000.00 toy out of $2000000.00 now you're ratios are starting to get off right. By my primary No 430000 which for call about it actually yeah. And it's actually I mean that's what I had and it's a little more about 620. Here's the thing my friend you have earned the right to be able to go do this and what you do and not have guilt Ok you know the people that try to chime in with an opinion it's not about them right they didn't do the work I mean they don't have a $2000000.00 net worth like you do go get your condo and enjoy it right take friends there yeah have companies that go to your church that maybe can't afford a vacation let them go stay there for free use this thing. You have that right yeah you've you've earned the right and it's a small percentage of your world and so I mean that's the thing it's a ratio you're always looking at and when you're dealing with wealth the only way you can keep your perspective is keep your ratios going is to look at ratios because some of the stuff I do if you have 200000000 dollars. Is. It just weird because normally people have to make writers write like should you do that. And the only way to look at it is look at through the lens of what's one percent of my net worth see what I've heard. It put it in perspective for people you know give yourself permission to enjoy to a degree yes to a reasonable degree right and it's not you being consumption oriented to know your you know you're probably giving a lot more than he's spending on himself most most of these 2000000 dollar millionaire Thursday joins me this half hour answering your questions he is author of the number one best selling book every day millionaires. People build extraordinary wealth and how you can do this is the Dave Ramsey Show. Small business owners you know what. Causes small businesses to fail poor accounting Yeah you heard me and not managing your books well often leads to a failure to pay income taxes so if you're a small business owner are you ready for your quarterly taxes whatever you do don't try and do it alone get a tax professional know what things as a business owner you can do is to hire what you're not good at doing that's why they endorse local providers program they exists to have more time doing what you love and let the professionals worry about the tax code changes my team is better at some of the most qualified tax professional and they can help you minimize your tax liability which means you keep more money for your business our taxi Opie's also follow my prayer. You find a taxi near you at Dave Ramsey dot com tax prep That's Dave Ramsey dot com slash tax pro. I'm Chris Foster the full House has now passed a resolution laying out the ground rules for the impeachment inquiry the vote was 232 to 196 House Speaker Nancy Pelosi calling it a solemn occasion I doubt anybody in this place or anybody that you know comes to Congress to take the oath of office comes to Congress to m.p.h. The president of the United States unless. His actions are jeopardizing our honoring our oath of office a top House Republican cover McCarthy this Congress records with more subpoenas than laws that's the legacy it is not just devoid of solutions for the American people it is now abusing its power to discredit democracy the rules call for public hearings in the coming weeks 2 Democrats voted against the resolution as did every Republican Americans listening to Fox News. W b h b morning show. Really occurred say the research. And I think. That I don't have time to go through. Their. Through some of the political and I really appreciate the w.b. H.p. Morning show weekdays 5 to 8 am on your h.d. Radio at 102 point one h.d. To. A surprise medical bills bankrupt Americans Doug Jones is standing up for patients and doctors demanding insurance companies pay their fair share and supporting legislation that removes patients from billing disputes tell Doug Jones thank you and keep fighting paid for by doctor patient unity. Hey Greg I'm so sorry to hear about your brother's heart attack thanks he's Ok now but it really got me thinking about my family you know could my wife still pay our mortgage if I had a heart problem for can my kids to go to college but that is really scary that you should call my life insurance agent health i.q. When I got life insurance for my family last year they saved me 41 percent versus any other company I looked at 41 percent that's huge health i.q. Starts by shopping everyone with the top 30 life insurance carriers to make sure they can get the lowest retail rate then they apply their exclusive healthy lifestyle savings which can save you up to 41 percent I literally got a $1000000.00 in coverage from my family for just $36.00 a month just $36.00 a month you know you should check it out at health i.q. Dot com slash easy to save that much money I'm going to call them right now what's that link again health i.q. Dot com slash easy yes dot com slash easy. With another n.p.r. a News update I mean North Belle Jefferson County deputies arrest a man accused of shooting at officers on Sunday Lawrence facing 4 counts of attempted murder. Well they were investigating at that near Valley Brook apartment had 2 suspects detained a bullet hitting a patrol car window no one injured in the incident a total of $30000.00 being offered for information leading to the whereabouts of missing college student and NY a plane now latest a $25000.00 reward posted by Ultimate Fighting Championship president Dana White Plains or does the step daughter at the u.f.c. Heavyweight fighter won't hear Governor Romney's office offering a 5000 dollars reward annual state of Shelby County address county manager Alex jock giving leaders updates on several projects ideas a chance for me to highlight basically what our team has been able to do just in 12 months not until this time of year you get to say a lot of the work product that we've done I need and you're up to date around the world around your state this is the Alabama radio network the Conference Board consultations menu plans and meals of. More there's. Very little everywhere you want to listen. I Heart Radio. And you can do. There's 100 tickets oh most gone that was going to go no in a day or 2 here you're not going to make it out the I live like no one else crews of course are sold out. Lots of other stuff but that's how can we're going to be we're going to bunch together so now I've got to get a life vest big enough for me for this cruise is not a special order. It needs to be double walled double walled I need it because you're yes you're worried about sinking I need to stay afloat. I also love how you just browse past this family business thing you're going to be doing on Friday which is amazing what are you covering at this we're going to be we've been doing research on family business for about 10 years and this is the 1st time we've really done a day long event teaching what we've learned and what we've learned actually here right inside the business with our family in this business and we've studied families that have done it well and there's lots of families that haven't done it well and there's some as there is with everything there are some common mistakes and we did finally discover the basic principles of the owners the 5 things you need to do 3 different stages of business that you need to do them and we're going to walk you through those things and I 1st talked about the material all the way through right it's kind of been collecting and accumulating with our content team and our research team and so we've been combing through it for about 6 months getting ready for this which goes beyond to build out all new curriculum be exciting so again if you're out there and you've not plugged in with us that go to Dave Ramsey dot com You can learn about the money events you can learn about all the different things the leadership stuff it on dot com It's a wealth of tools go check it out Shannon is with us in Kansas hi Shannon your question for Chris I'm going to me. If I was very. Poor about 300. I do you have a cute Ira. Smart. To cash. And pay off the last few and then start building. Your not only should you last. We split it half. You said it would make for a lot more if you. Have a current debt to this person of 300 grand. Yes. Ok how much is in your Ira. About 750 Ok and your house. Almost 50. So this is going to cost you 10 percent plus your tax rate what your household income. Where in your own state so it's very I don't know what is your taxable income in the coming year approximately do you need backup power as part of your emergency plan during an outage a backup power source can keep the lights on medication stay refrigerated or power life saving medical devices learn more at Safety Action Center Dobby g.e. Dot com. Everybody this is Curtis low and right to hip hop you know for a holiday and that's a part of this reimagine record beaches close to. The stony dizzy the scenery and the violinist and a lot of the Jamie form is the markets and mc and what is holiday tradition right. Around right around the corner you know. The every night keep the Paramount Theater . By now is to get bastardized. At technology credit union our mobile app is available everywhere your family needs us John did you tell taxi you will be traveling I just notify them. Did you make your car payment a minor and how long do you. Did you find an a.t.m. There is a block away from the hotel in Rolodex e.u. Savings reward promotion and earn up to $1000.00 go to Texas dot com slash save more. Fire on both sides really high when the weekend funds are up to 0 power or water coming to the law from Hong Kong for lunch from 7 extra hours of lines of local news the biggest fire burning in our area right now is the cable and more viewers turn to the Koran on now than ever before check a suitcase start screaming at him let's go let's not call him for news and the prawn on at any time anywhere on any device the Bay Area's local news station. With one subscription to crawl in on there's more than one place to get your breaking news weather and traffic not only can you stream on the crown on website but you can download the crown on em to your phone tablet or smartphone available directly from the App Store and streaming services like an apple t.v. Just go to your app store and find a quote on it for the best way to get your local news anytime anywhere on any device just say play w b h p i Heart Radio. Listen to the day Ramsey Show on your smartphone our i Pad download the free i Heart Radio app now at w.b. H.p. Am. Radio station. The house is an impeachment process and Lisa Brady President Trump's initial reaction coming by tweet calling it the greatest witch hunt in American history the resolution that one House approval sets up ground rules for the rest of the process and how burn is live on Capitol Hill a Republican leaders kept their ranks together every Republican voted no one a resolution setting up public hearings and rules for subpoenas and testimony for a next phase of the men in Korea it's not a fair process it's not an open process it's not a transparent process Oklahoma. Republican Tom Cole says Democrats are on a path but with a preordained outcome House Speaker Nancy Pelosi says no House member comes to Congress to impeach a president unless. His actions are jeopardizing our honoring our oath of office and just 2 Democrats voted no on the resolution Jared both the White House and the campaign also reacting to the vote today calling the probe a sham the Trump campaign predicting voters will punish Democrats who supported the vote did not stop the latest closed door impeachment hearing national security member Tim Morrison the latest witness arriving on Capitol Hill earlier today a previous which told lawmakers that Morrison helped coordinate the withholding of aid from Ukraine new evacuations in California as windy conditions fuel more fires .

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