And you know Major Lazer 95 or for 76 and Middletown to 99 holes phone the east bound side of Broad Street from Bolton Brothers plumbing heating air and electric truck walk Center I'm Shawn Green from the Weather Center a winter weather advisory in effect until 2 am tomorrow due to some light icing possible rain could mix with freezing rain tonight down to 33 plenty of 35 right now in Wilmington thanks for joining us news time is 6 o'clock. News c.b.s. News on the hour sponsored by Dale small business. A massive winter storm is cutting a freezing path from coast to coast. Erica Fernando is in New Orleans where residents are preparing for their turn Eric Cantor Oh issued an emergency declaration as the city's doing to water board and Entergy prepare for freezing temperatures we're actually here looking for a space heater for our wedding this couple has been searching for heater for their small outdoor wedding Mardi Gras Day incredibly difficult he had any stores that you go to this is my 4th store in the last like hour and a half they're thankful to have found one that covers are out and pipe insulation in high demand the system will move into the northeast on Monday and Tuesday a move from lawmakers to further investigate the attack on the Capitol House Speaker Nancy Pelosi announced following the acquittal of former President Trump Congress' next step will be to create an independent commission to investigate the January 6th domestic terrorist attack on the u.s. Capitol there's still more evidence that the American people need and deserve to hear the idea is gaining bipartisan support with even some of the president's staunchest allies calling for the commission c.b.s. Is Skyler Henry the federal government is sending vaccines to pharmacies nationwide there's as many states suffer from a dwindling supply the vaccine shortage crisis in California is growing last week here in Los Angeles the mess vaccination cited Dodger Stadium was temporarily shut down now. In San Francisco that city's downtown Moscone Center site is stopping its vaccine program for a week this all has to do with shortages last week officials in l.a. Received just 16000 doses this week Mayor Eric Garcetti hopes that number will rise 258000 Steve Futterman c.b.s. News Los Angeles divided ministration may have to rethink their reopening of schools plan as experts warn of a covert surgeon or a likely be a real challenge for them in the next 6 to 8 weeks as the surgeon numbers begin to increase and this will last for a least likely up to 14 weeks my close all star home is the director of the Center for Infectious Disease Research and Policy at the University of Minnesota the body of former n.f.l. Wide receiver Vincent Jackson has been found inside a Florida hotel room he had been staying in a home with sweets in Brandon since last month Jackson played for the San Diego Chargers and the Tampa Bay Buccaneers during his 12 year career in the n.f.l. Remember Thanks Robert think of. Her brother Robert for traction ever properly gets all want to pass Marv Albert when they call back in 2008 on Westwood One Radio Jackson was 38 this is c.b.s. News the Dell President's Day sale for business is on with up to 50 percent off P.C.'s Howard by Intel Core processors 877 ask for a Dell technologies advisor that's 877 asto. Line from Delaware's news center you're listening to Delaware's afternoon news here's Chris Carl Good afternoon cloudy skies 35 degrees in Wilmington at 6 o 3 w d l storm watch coverage right you buy our bank when the weather is bad you can always bank from the comfort of your home with the artisans bank at artisans Bank dot com You Castle County under a winter weather advisory until 2 o'clock tomorrow morning due to the potential some light icing looks like Delaware will mostly be spared from. This ice storm which will hit the Lehigh Valley hard is some of the details Mike Phillips Delaware weather net chief meteorologist Matt Powell believes enough warm air is in place for Delaware to avoid significant icing conditions so when the precipitation comes back in a little later it's going to be plain rain the warmer air is moved in so I don't think we're going to see much in the way of any freezing I think from this system Powell says this steady run of disturbances is all due to a huge difference in the jet stream and then that jet stream kind of comes up and you know it fluctuates a little every day but it always passing very close overhead to our Another impulses expected to ride that jet stream later this week and pal says there will be enough cold air in place for it to start out of snow before changing over to rain Mike Phillips the news radio keeping an eye on the weather here a spokesman c.-r. MacLeod we are not expecting this to have any impact in Sussex County as Aaron surface temperatures are expected to remain above freezing so you can expect a chilly rain though in Kent in Sussex and really even into New Castle County but we are watching in the forecast as there is a prediction that we could see a change over to that freezing rain even a wintry mix with this system here for updates we'll take a look at your forecast from the Weather Center coming up in less than 10 minutes in other news Delaware has new renewable energy goals Ceri report it was named a priority in his State of the state address Delaware will move to ensure 40 percent of its energy comes from renewable sources by 2035 Governor Carney recently signed Senate bill 33 into law. The standard for the state of Delaware in the energy sector to reduce carbon emissions in the atmosphere by addressing our responsibility to address global warming the bill was years in the making starting with now retired State Senator Harris McDowell they tended Our Stephanie Hansen took over the legislation which she says contains consumer protection. Well there are some wind or solar has been going down for years and the technology is. This bill. Amy cherry. News Radio Wall Street closed today for the Presidents' Day holiday Still to come we check your forecast from the Weather Center and traffic watch of the nines next as Delaware's afternoon news continues Hi It's Peter MacArthur Delaware's Morning News everything you need to know as you head into work along with traffic watch on the nines your National Weather Service forecast that's 530 to 99 am where we talk with those people making headlines in our area and the newsmakers making decisions that affect you and your family always Morning News 530 to 9 Delaware dying to 10 each weekday morning 81151017 f.m. . Dot com If you love a clean taste of bottled water but hate carrying around a plastic bottle call sugar and gas water systems today to show you how you can enjoy the fresh taste of pure water without the guilt of buying bottled water home reverse osmosis drinking water buy hay made all the problems associated with bottled water the Hague reverse osmosis is to move up to 90 percent of all contaminants in your incoming water it produces gallons of crystal clean odorless fresh drinking water for the entire family the unit sits under your sink and has its own Fossett and can be connected to refrigerators ice maker fill your own reusable water bottles with water that is much cleaner than the bottled water you buy in the grocery store and cut down on waste for free water analysis and to speak with gas water expert call toll free 180-341-4022 that's 18034122 or visit their website and gas dot com. Insurance Commissioner Trinidad. Many people have questions about Medicare and don't know where to start you may have questions about Medicare benefits choosing a Medicare supplement plan prescription drug plan for Medicare Advantage plan you may also want to know how you can save on your Medicare costs the good news is there's a way to get answers to your questions right in your community or Medicare a public service the insurance department people with Medicare deal with a complex and often confusing health insurance system. First free local one on one counseling assistance to people with Medicare and their families. Please call us at 30267473644 business on the web. Slash. From us for Community Living Department of Health and Human Services. We need to brush up really. Good Way did you know that February is pet dental month and your friends a conquered. Your pets dental health is very important check out the wide selection of dental products at Concord pet and mark your calendar for a special sale 40 percent off on select dental products the weekend of the 20th and 21st it's just one more way conquered take cares about your 4 legged friends with 31 locations between Prince and it's all very there's bound to be a concert near you. W t e l storm watch coverage by artisans back when the weather is bad you can always bank from the comfort of your home with the Bank and Bank dot com. Today is royal day on w d e l give Roy a call or text and wish him a happy day 6 Delawares afternoon news continues. On the 90 Sean Green Christmas up they brought to a spy Somerville investments questions about your financial plan or the stock market and local financial experts Greg Somerville and Craig Snyder for money talks Saturdays at 11 am. On w d e l interstate system in New Castle County running without a problem 95 to 95 and 45 are all incident 3141 south of the Newport doing Ok down to I 95 still clearing a crash on Duncan road south of the canyons church or at the side of the castle Tenet center still it for a possible detour Mill Creek Road to McKinnon church or to Newport halfpipe will be the detour there 13 South enough bedman good ale and a Wilmington man are going to have a new crash could be southbound in 202 exit in Fairfax and they are in the Augustine cut off checking to see if that's closer to powder mill road or further south near the I 95 there changed Delaware County no delays in 95 or for 76 and the older brother's plumbing heating air and electric traffic light Center I'm Shawn Green. Checking your forecast from the d.l. Weather Center we do have a winter weather advisory in effect until 2 am tomorrow due to some potential for light icing. As we see rain move in tonight and mix with some freezing rain at times slow down to 33 the rain continues into tomorrow and gradually becomes mostly sunny later on tomorrow's high 46 partly cloudy tomorrow night low 24 mostly sunny Wednesday high 34 x. Chance of winter precipitation Thursday with rain snow and sleet possible Thursday's high 38. Cloudy 35 right now in Wilmington 33 in New Ark and Middletown 38 in Dover and as we go down to 33 tonight again a winter weather advisory until 2 am Tuesday due to the potential for light icing. In sports Sixers finish up their west western road trip as they're in Utah tonight take on the Jazz Sixers even though they've lost 2 of 3 on the Strip still remain atop the Eastern Conference the Jazz on top of the West and they are hot they won 7 straight 18 of their last 19 fixtures in jazz tipping off from the event to Reno just after 9 o'clock our time tonight and the Flyers were due to return to practice today but about a half hour before it was to begin it was canceled again due to covert protocols the team hoping to practice tomorrow and keep their next scheduled game on Thursday against the Rangers also word from Dover this afternoon that Wesley college's athletic programs will shut down at the end of the school year Sean Greene as more was Lee coaches learned during a 2 pm meeting Monday that this will be the last season of Wolverine's athletics at the Dover School head football coach Chip Knapp helped lead the Wolverines to 6 division 3 national So my finals in the past 16 years and said after the news Delaware State University was looking to acquire Wesley the writing was on the wall there's a grieving process to go. When you know you dedicated 30 plus years to something and then it's taken away and then we're going to go through the whole thing again I guess now that it's official but overall we are kind of prepared for this announcement Westley is still hoping to play football and other sports this spring before the athletics program shuts down Sean Green w d e l Delaware's news radio news time now 612 in other news this afternoon a man arrested in connection with a weekend shooting in Dover police arresting 30 year old Alan Durham for allegedly shooting a man in the leg on a river road Saturday morning the victim taken to Bay Hospital for treatment Durham released after posting bail charged with assault and weapons counts Police on Long Island continuing their search in the hit and run death of rapper Nicki Minaj his father Liz Warner reports Nassau County authorities say that Robert Mirage died Saturday from injuries sustained by hit and run driver Friday evening the 64 year old was hit while he was walking in many Yola and the driver of the vehicle reportedly fled the scene Nicki Minaj his rep confirmed her father's passing but did not provide any additional details police are asking any witnesses to please come forward Liz Warner n.b.c. News Radio New York hundreds of homeless people will get a gift of a little warmth in the coming weeks Elise's the report Jenny young with General Motors corporate giving says that by partnering with the Empowerment Plan together they'll be able to deliver $700.00 coats that converted to sleeping bags to some of the nation's most vulnerable people. That bottom part. And under your. Act. The program kicks off this week in Detroit then heads to Boston Chicago Grand Rapids Louisville New York City Rochester New York and Washington d.c. And the duke and duchess of Sussex announcing they're expecting another baby the news coming on Valentine's Day in a black and white photo release city. Yes as Charlie Tagg of us in London teen Sussex says it's a happy coincidence that came on the very same day 37 years ago Princess Diana announced her pregnancy with Prince Harry now the news comes after the Duchess suffered a miscarriage last summer judging from that baby bump she was almost certainly pregnant when she shared her deeply personal story in The New York Times last November so a thin line to the throne behind big brother Archie and Prince Harry he said in a $2900.00 interview he would only have 2 children for the sake of the planet a Milford man's a millionaire the retired 84 year old winning a Powerball jackpot matching all 5 numbers and taking home a 1000000 bucks before taxes and wish to remain anonymous but bought his winning ticket at the Food Lion in Milford winner says he's played the lottery for fun and doesn't know yet how he will spend his winnings. News Time 615. Is the latest. Update on Chris Karl the state administering on average about $3000.00 vaccine shots per day almost $150000.00 doses have been administered so far in Delaware that includes 1st and 2nd doses with half of those going to people 65 and older and stay remains in phase one b. Vaccination plan which focuses on seniors as well as 1st responders and teachers due to limited supply phase one c will not begin in 2 weeks as the state has. Hospitalizations continue to trend downward the number today at 200 the lowest level since late November it was 321 just 2 weeks ago. Positivity rate continues to trend down it's below 6 percent for a 2nd straight day at its lowest level since November 20th the state continues to add on average $338.00 new positive cases each day that number was $800.00 a little more than a month ago. Death toll did rise today by one to 1283. Keep it here for continuing updates on. Delaware's Newsradio w d come your local resource for Delaware news and information of dates on the coronavirus pandemic. To reopen Delaware local traffic alerts high school sports scores details on community events podcasts and more on your desktop and on your phone using the w d news app powered by. Delaware's Newsradio w.d.m. w d Come in here with. Terry how did you 1st come to be associated with them like a Social Security seminar my wife and I attended we were impressed enough to set up a private meeting with him and he discovered you almost made a big. Yes we were starting to plan on just drawing from Social Security and pointed out that we're interested in the Social Security and if we took it out from another account so you're earning more money and bringing more money in now because of the. Work of the why you've been doing this for 25 years be very knowledgeable and he knows the stuff so to you and say I should do with retirement for mature absolutely what would you say to Dan White. Clients should talk I feel the same way Dan White an Associates 888. 888860882. You decided to upgrade your outdoor didn't. Apollo. Patio chairs and a shiny new grill. And you use your Bank of America cash rewards credit card to zing to earn 3 percent cash back on online shopping and up to 5.25 percent as a preferred wards member which you put towards your most essential deck edition. Of Bank of America dot com. Recently total wireless helped. Her friends and family this was super meaningful because when you move to total wireless you can get amazing. Plan starting at $25.00 a month you can save up to $1200.00 a year. Compatible. 2020. Charge ways free access to the news and information that matters to you. Delaware's Newsradio. Still to come in our Health Report today a look at a campaign to raise. Awareness of hearing loss. Right now we go to the Road Traffic watch on the 9 series Shawn Green Christmas update brought to us by car man Ford as a car man for today through 1340 split Newcastle and test drive the all new Jeep rival 2021 Bronco sport with author of capabilities taking a road less travelled I 95 southbound doing very nicely between Wilmington a new arc no delays into 95 or 45 of a crash on southbound 202 as you approach I 95 taking out one of the lanes from Dulles I can maybe block for a little while other. Crew out there to help you get by the scene still of the closure of Duncan road south of McCann and Church Road to an overturned vehicle wreck of the should be in the final clearing stages looking at Middletown to 99 little busy in both directions at South Broad Street but no major delays Delaware County number big problems a 95 or 476 the older brother's plumbing heating air and electric traffic watch center I'm Sean Greene. Forecast from the Weather Center we have a winter weather advisory in effect until 2 o'clock tomorrow morning due to the potential for some light icing rain moving into night could mix with some freezing rain at times down to 33 and then rain continues into tomorrow later on becomes mostly sunny Mars I 46 partly cloudy tomorrow night 24 mostly sunny on Wednesday high 34 next chance of some winter weather comes in Thursday with rain snow and sleet potentially Thursday's high near 38 cloudy 35 right now in Wilmington 34 new arc 35 in Middletown 38 in Dover going down to 33 tonight and again a winter weather advisory in effect until 2 am for the potential of some light icing. From the newsroom the u.s. Military confirming a civil contractor has died after a rocket attack in northern Iraq a u.s. Service member and 5 other contractors were also hurt and rockets fell on a base in her. It's not clear yet who was responsible for the attack the lights are slowly coming back on for folks in Texas governor Greg Abbott telling media there that power's been restored to some 200000 people after being knocked out by the powerful winter storm Texans have been asked to keep power output low today after winter storm blew into the region and the coven 1000 vaccination push is proceeding across the nation the c.d.c. Says 53000000 Americans have received at least one dose of the vaccine and more than 14000000 Americans are fully immunized a small majority of the doses ministers so far have been the phasor vaccine the rest have been here for consuming updates on w d e l Delaware's News Radio 622 Wall Street today was closed for the President's Day holiday we turn now to our Health Watch report this afternoon here's Elizabeth Tracey hearing should be a record number just like cholesterol that's according to a frank land a hearing expert at Johns Hopkins in a recent paper advocating widespread adoption of the crack metrics really matter is a matter how we communicate things it's how you understand it's being worse or better it's how you compare yourself to others in many ways but hearing Ironically you realize that no one knows the. Number you say oh it's a mild it's a moderate severe and there's actually not a cure number so I want to think about that as the homes of your numbers here if you really straightforward easy to measure off. What all the odds all about. Linnen colleagues have developed a staged plan to rollout awareness of hearing numbers and how important they are the plans starts with getting experts in hearing to recognize and utilize the standard then expanding that to other physicians and the public at Johns Hopkins I'm Elizabeth 623 now and with today's entertainment update here's was Warner. More details are coming to light about Bruce Springsteen's arrest for d.w.i. Back in November a New Jersey court document shows Springsteen told park rangers he'd done 2 shots in the previous 20 minutes but he wouldn't take a breathalyzer test the arresting officer says he saw Springsteen take a shot of tequila and then get on his motorcycle No comment yet from Springsteen on his d.w.i. The actress Cicely Tyson is body lying in repose today at the Addison Ian Baptist Church in New York City after she passed away last month that the age of 96 Tyson was an Emmy and Tony Award winning actress who had generations of fans who all want to say their goodbyes. Big Machine the 1st thing I was and it was just like you to . A lot of fans are expected to stop by and pay their respect today some local wall maker is now pushing to rename 101st Street where the actors grew up Tyson way no one laid an n.b.c. News Radio do York and on Valentine's Day Meghan Markle and Prince Harry reveal they're expecting baby number 2 a spokesperson for the couple told people that quote We can confirm that Archie is going to be a big brother the Duke and Duchess of Sussex are overjoyed to be expecting their 2nd child the family moved to the United States last year and now make their home in Southern California that's entertainment I'm Liz Warner n.b.c. News radio traffic watch just ahead the president's day sale is one you don't want to me is that Martin incredible least bezels no doubt. Payment options or January to December 2022 car sales report expires 2021 these are tough times and electricians local $313.00 would like to thank all of our frontline workers and everyone who's helped to keep our community safe from the 1st responders and health care workers to each and every essential worker who puts themselves at risk for others we appreciate you this year we have all taken a hit and if you and your loved ones are struggling you know that you are not alone we see you now more than ever we need to stand together strong and united electrician's local 330. It seems like that's all anyone can talk about right now don't leave your house if you don't have to practice social distancing but did you know that if you smoke you may be at a greater risk for covert 19 and if you get the coronavirus you could have a harder time recovering now is the time to keep your long strong now is the time to quit for advice and frequent a conference call the Delaware quit line at 186-640-9185. Our veterans risk the door to protect our freedoms and now as we all fight the coronavirus vulnerable. Veterans have little or no contact with their family or hospital volunteers and staff learn how you can help an isolated or sick veteran at heal vet start org help heal veterans with the support of citizens like you creates manufactures and distributes therapeutic art and craft projects for our veterans and military at no charge to them healed it start this message is furnished by help heal veterans. You've been diagnosed with type 2 diabetes you have to carefully monitor your health for the rest of your life and you have an increased risk of developing cardiovascular disease but. Actually you've been diagnosed with a new purpose to fight the amazing life you made for yourself to look the risk of heart disease square in the face and say no not me you've been given a new opportunity to. Get started and know diabetes by heart. When to whether with thanks to turns to story. The condition the closures the 629 Time again for traffic watch on the 9 your strong Green got a couple of new one just reported them bare root 40 of Porter road another one along the 2 southbound you approach I 951 of the lanes is blocked in that's one of the exit lanes for $95.00 so you some caution get to the ex around. But it may take a little bit of maneuvering just pay attention going through the area but so we've gotten Duncan road reopened South McKinnon's Churcher of the earlier flipped vehicle 95 to 95 and 45 themselves all running without a delay 13 southbound incident free 3 men Cordell Wilmington Manor Route 40 westbound away from Puerto road you're doing Ok to head out towards Glasgow and Elkton traffic watch in Delaware County no delays in 95 or 476 for the Bolton Brothers plumbing heating air and electric traffic watch center I'm Shawn Green winter weather advisory in effect until 2 o'clock tomorrow morning due to the potential for some light icing we'll see rain come in mix with some freezing rain potentially now Clowney of 34 degrees in Wilmington at double the line from Wilmington Delaware your on the go newsource on air online and on your phone w d e l Delaware's News Radio Good evening news time is 630. Tonight the dangerous deep freeze affecting half of all Americans West Texas to Claire is . Going to be everyone Happy President's Day nor is off tonight a Major Garrett we're going to begin with breaking news on the nationwide deep freeze that's endangering lives and shattering records across the country nearly $200000000.00 Americans are now in the path of a dangerous winter storm system with warnings and alerts now stretching from the Mexican border all the way to Maine across the south and the Midwest snow ice and subzero temperatures are shutting down airports causing car crashes and forcing vaccination centers to cancel appointments but tonight nowhere is harder hit than Texas where more than 3000000 homes and businesses are without power and heat the electrical grid simply can't handle that demand has become on the air President Biden has approved a federal disaster declaration for the Lone Star State and the governor there is calling up the National Guard to help move people to warming centers before temperatures drop even lower on it Quinn is standing by with a forecast for you and your family and our team of correspondents is covering all the other major headlines tonight but 1st c.b.s. Is Omar via Frank is going to lead off our coverage from a frigid Dallas Texas Omar Good evening. Good evening tonight Anchorage Alaska is warmer. In Dallas and more than 26000000 people here in Texas keep losing their power because of rolling blackouts caused by high demand and for the 1st time over the weekend the whole state was under a winter warning that brought blizzard like conditions. Tonight a record cold snap has turned Texas into a Tundra flurries fell in southeast Texas blanketing Galveston sandy beaches in white the city manager there warning infrastructure damage caused by the extreme temperatures could rival the cost of a hurricane. Frozen road sent an 18 wheeler careening out of control near Austin and a man nearly lost his life jumping just seconds before car lost control and crashed into a police cruiser the extreme low temperatures but up this so-called Snow NATO in East Texas the ultra low temperatures will last for several days being that what becomes frozen will remain frozen for a long period of time the historic storm caused problems across the country firefighters in Vermont rescued this young man from the frigid waters after he fell through the ice. Tennessee roads turned into ice rinks after frozen precipitation fell. In Little Rock Arkansas cars were brought to a standstill on a slippery highway trapping nurses who just got off their shift as the day sat where say where you are and. The temperatures in parts of Oklahoma it dipped below 20 degrees for 5 days straight for the 3rd time ever and with another storm looming crews worked to clear snow as fast as they could. Nearly 4000000 people across the south have lost power in Louisiana the cold caused a transformer to blow repping a fireball and power lines the agency overseeing Texas has power grid has declared its highest emergency level in over a decade Texans sitting in the dark tonight after roll. Blackouts were issued due to high power demand the power outage also complicating the fight against a pandemic after a facility storing vaccines in Houston lost power medical officials scramble to use them before they spoiled and students said nearby Rice University lined up for a surprise dose. From Kansas to Texas power providers are urging people to conserve energy but that's going to be tough because new winter warnings have just been issued that will stretch all the way from Dallas all the way south to San Antonio not going to pick 15000000 people major snow NATO that's a new one Omar via Franka thank you very much tonight the snow and ice as it's want to do is pushing its way to the northeast but the forecast for c.b.s. Islamic way on it could even get even to you Major that storm that you were just showing us which started off this morning in Texas has now made its way into the Ohio Valley So what you're looking at from Cleveland to Cincinnati this is a snowstorm for you you'll pick up about a foot of snow for the East Coast cities but we have some concerns about ice and we do have ice storm warnings outside of New York City but we believe is going to get to warm it all turns to rain right now it's going to be anything but too warm if you look down to the south again look at how out of the norm these temperatures are for Dallas Texas your temperatures are running 49 degrees colder than they should be for Oklahoma City they're running 51 degrees colder than they should be to put that into perspective tomorrow morning Oklahoma City will be 11 below 0 that's colder than Anchorage Alaska has been all winter long and with that cold air in place nothing's going to melt and there's another system that will come into the area tomorrow that system then moves to the northeast this time looks like snow for the northeast and if you are looking for a place to escape the cold air because 200000000 Americans are battling the freeze you go to Miami Florida Miami Florida today felt like it was over 90 degrees the 1st time is felt like over 90 degrees this early in the season so maybe there's the nonsmokers who are flying maybe a lot of people are walking a mile in the right about now Major a Miami state of my. Lonnie Quinn thank you very much now to the covert pandemic as of tonight nearly 40000000 Americans have at least one kopek shot and more than 14000000 have had both doses states are now expanding access to shots but supplies are running short we get more on this from c.b.s. Says Carter Evans. It may be the low before the next coded storm nearly every single state is now trending in the right direction nationwide new coated cases are at their lowest since the end of October hospitalizations down 46 percent in the last month but leading public health experts say brace yourselves the next 14 weeks I think will be the worst of the pandemic tonight New York confirms it's treating its 1st case of a variant likely discovered in South Africa and it may get much worse but it turns out we have plenty of our own variants here us exactly that and that was a lot of our concern Louisiana State Veralyn just Dr Jeremy Camille is one of the scientists who recently found evidence of at least 7 homegrown variants they may have a little subtle effects on how well the virus colonizes and he will respiratory tract it intensifies the race to vaccinate Americans before the next potential surge more maggots sites are opening but some like San Francisco's Moscone Center of had to shut down supplies are running now amid that supply shortage several states have expanded who's eligible for the vaccine including those with underlying conditions 28 states have made educators eligible today Chicago's school district launched for vaccination sites just for teachers but the tide supply needs difficult choices we just don't have enough vaccine to say to everybody come by and get in line I would put all my vaccine in 65 years older and I know teachers may not want to hear that but I think that's the right message another potential roadblock for schools under new c.d.c. Guidelines there are limits to reopening if they're in so-called red zones commute . Where viral transmission is highest It turns out 91 percent of all u.s. Students live in red zones Also tonight not providing the information creates the boy New York Governor Andrew Cuomo defended himself against charges that the state under reported the death toll from nursing homes early in the pandemic then tried to cover it up and I would never want to know everything was done. Everything was done by the best minds in the best interest. Now vaccination sites in the Los Angeles area still don't have enough shots this location is only able to do 2nd todos says also today California hit a gram milestone Cove it is killed more than 47000 people here more than any other state. Carter Evans was comprehensive coverage thank you tonight President Biden is back at the White House hoping to focus the nation's attention on his $1.00 trillion dollars relief plan but there is still some unfinished business from the 2nd trumping Pietschmann trial to business Nancy Cordes Courtis reports tonight from the White House. President Biden returned from Camp David to a city still shaking off the specter of impeachment is not to go to charge the Senate failed to meet a 2 thirds threshold this weekend to convict his predecessor but 7 Republicans who voted with Democrats are now facing their own reckoning Mr Cassidy. Guilty Senator Bill Cassidy was censured by Louisiana's Republican Party on Saturday tonight North Carolina's Republican party is voting on censuring longtime Senator Richard Burr I think that's an appropriate act North Carolina Congressman Dan Bishop supports the movement which Senator Burr has served North Carolina. For 25 years doesn't he have the right to cast a vote as. Senator Burr friendly with Senator Byrd but this was an error and the Republican Party is correct in my judgment to express that view. Mr Trump who waved his supporters in West Palm Beach today is still facing an election related investigation in Georgia and a financial investigation in New York and got away with any. Republican leader Mitch McConnell suggested those probes could spell trouble for the former president . For everybody who did it while they were all but South Carolina Republican Lindsey Graham argued it's the Democrats who deserve retribution for going after a former president this model I don't know how calmly arrows doesn't get impeached if the Republicans take over the aisles because she actually Bill rioters and one of the rioters went back to the streets and broke somebody's head open. Supporters of the vice president say she only backed bailing out peaceful black lives matter protesters not rioters House Speaker Nancy Pelosi says she wants to get to the root causes of the insurrection at the Capitol on January 6th and so Major she is going to be creating an independent $911.00 style commission to investigate. That's according to the White House thank you we are following breaking developments in northern Iraq where tonight several rockets were fired on or below where some u.s. Forces are stationed new video captures the Moments of Impact The u.s. Service member and several Americans. Contractors were hurt a foreign civilian contractor was killed it is not clear who fired the rockets America is struggling to get shots into arms the reasons logistical bottlenecks and supply shortages Some believe we should look overseas for some guidance one u.s. Ally is getting its citizens vaccinated at a far quicker pace here is c.b.s. Is. Just over 4 months ago Israel's covert outbreak was one of the worst on earth the country when to district law. And then the Israeli government struck a deal with Pfizer bio and tech for enough vaccine to inoculate every Israeli adult by the end of March 2 months in the data is as good as the scientists predict it in a study of 1200000 people have got the vaccine and they were 94 percent less likely to get sick in other words among the vaccinated Cove it is in dramatic decline and so far your supplies are good and steady or a vaccination program is working flat out with plenty of vaccine it's amazing and they're now lowering the level. Which people can be already vaccinated were very jealous I hope I hope the word will get there soon yeah. Just days ago Israel's lockdown was a welcome you reality and for the rest of us perhaps a glimpse of the future as the global covert vaccination effort slowly grows beyond the rich developed her so now Syrian refugees are getting your shots the 1st shipments have just arrived in Zimbabwe and supplies have reached deep into the Brazilian Amazon. Elizabeth Palmer c.b.s. News London. Valentine's Day was extra special for Harry and Megan the Duke and Duchess of Sussex they announced they will soon be a family of 4 the new child will be the 8th in line to the British Crown and likely have dual u.s. And British citizenship here the c.b.s. Is Jamie you Chris. Beaming in black and white the Duke and Duchess of Sussex not only revealed a pregnancy but also a life in stark contrast to the royal duties they left behind a fund that the something very few had to come and almost Hollywood about the pictures that they reminded me of the Julia Roberts movie Nelson Hill Notting Hill is the story of a Brit whose relationship with an American actress is tested by the tabloids sound familiar biographer Andrew Morton trying to take command of the narrative of the life says that because of British tabloids Americans had was trying to shoehorn some kind of bogus now is it about who they are the day the happy news comes after Meghan Markle revealed she suffered a miscarriage in july 37 years ago Princess Diana made headlines with the announcement she was pregnant with Harry can you compare for me how different these 2 children's lives would be versus William and Harry is going to fall more relaxed fall more in full life style the royal family says they are delighted and wish them well the couple now lives quietly in mana Seato California with their son Archie and will break their silence for the 1st time since the move in an interview with Oprah Winfrey for c.b.s. Well the trying to do is express themselves with a room with its in their own way and judging by these looks of love there may be nothing so royal as living their truth Janey you guess c.b.s. News Los Angeles there is still much more news ahead on tonight's c.b.s. Evening news 2 more people are killed in avalanches what is behind the growing wave of deaths on America's slopes and what a finish a crowd fire and a very unexpected win at the Daytona $500.00. Sure you have to insurance tells you to see a doctor but look around these days is that he's telling me that Humana helps make it easy human care gives you tons of Topsy attack computer in person or tablet painting a school. You may have to put on shoes or. Paints a light that. Humana human brain health care. Proclaim live. Through 10 years in the making that reduces allergens in cat hair and dander outstanding nutrition with the power to change. This is Purina proclaimed live clear place last place allergies don't have to be scary spring phoneys daily stops you buy from overreacting to allergens all season long your good by heart failure diagnosis changed my priorities I want time for the people I love hard doesn't pump enough blood so my doctor gave me Farsi helps my heart do his job better proceed to help keep me living life and out of hospital Heart Failure to take if allergic to 1st you get symptoms of a serious allergic reaction include rash swelling difficulty breathing or swallowing stuff take it and seek medical help right away tell your doctor right away if you have red color in Europe or pain while you're in it or genital area infection since are rare but serious genital infection may be life threatening Do not take 1st to get it if you have severe kidney problems or upon Dallas other serious side effects include dehydration sudden kidney problems genital East and bacterial infections in women if you're near a tract infections and low blood sugar and stop taking 1st to get a call your doctor right away if you have symptoms of ketoacidosis which is serious and may lead to death or tie with or sounds good. You can afford your medication Astra Zeneca may be able to. I see the scientists here just might have you know during my strays or really make my interest get healthier in one case and just pay back the old formula moisturizer to help prevent. Cancer I mean I think it's our nature try the body washed. In Colorado 2 more people died in avalanches over the weekend a 57 year old snowboarder was killed near Loveland Pass and a snowmobiler was killed on Mt f. Worse at least 20 people have died in avalanches this year in 7 states experts tell us because of social distancing people are venturing into more remote ski areas where the snow may be unsettled persistence paid off at the Daytona $500.00 Michael McDowell had never won in 357 Nascar races but after hours of delays that stretch past midnight on the final lap McDowell in the number 34 car somehow avoided a spectacular crash and crossed the finish line 1st a 100 to one underdog now gets to celebrate a very long awaited win. Up next the Big Easy is new way of celebrating an old Holiday Welcome to a Yardie Gras. If you can't watch the c.b.s. Evening news you can listen subscriber ever you get your podcast sponsored by ancestry. Struggling to manage my type 2 diabetes was knocking me out of my zone lowering my a one c. With once weekly helped me get. Close. My eyes oh I'm lowering my a one c. And lives in some way now back to the show. Is proven to lower a one c. Most people who took those big reached in a one c. Under 7 and maintained and you may lose weight adults lost on average up to 12 pounds. Isn't for people with Type one diabetes for diabetic ketoacidosis don't share needles or pens for reuse and still take those in pink if you or your family ever had made jewelry thyroid cancer or a multiple and Camille pleasure syndrome type to learn to stop was empty can get medical help right away if you get a lump or swelling in your neck severe stomach pain or an allergic reaction serious side effects may include pancreatitis tell your provider about vision problems or changes taking Mozambique with a sulfonylurea or insulin may increase low blood sugar risk side effects like knowledge of vomiting and diarrhea may lead to dehydration which may worsen kidney problems once we. Get my type 2 diabetes ask your health care provider how I can help you get yours. You may pay as little as $25.00 for a 3 month prescription with a new word from Chase Freedom unlimited I'm now earning even more change that I gotta tell everyone. You now are thieves and on down you could take out one of the teens I cam you know opposite of travel purchase to chase. A new you can earn 2 percent a drugstore buddy I'm right here. Because that's what I do you're always on with Bob's and. Take out some everything else. I'm 68 years old I do motivational speaking in addition to the substitute teaching I mostly feel that that's my calling to give back to younger people I think most adults will start realizing things as quickly as they used to or they don't remember things as vividly as they once did. For about 3 years and people say to me. It's really really helped me tremendously healthier brain better life for we talk about tax Martin that staying What's new is expecting 20. First place to. Keep the change in plans part of the plan. I'm building with the dark races comes transforming into a center of inclusion in our series unifying America Wednesday on c.b.s. This morning. To morrow is Fat Tuesday and the party will go on a new state just brought home. Giving up has never been in the d.n.a. Of. The cove the cancellation of Mardi Gras parades didn't kill off an old tradition it jump started a new one this is Yard big everybody growing up rate we're spectators are the ones on the moon good money to be photographing homes dotted with decor whatever we want to look back and show em how to grow was important I thought this is going to be very low key it started on social media Meghan Boudreau tweeting turn your house into a float now some 3000 New Orleans homes are part of an immobile porch her a. Beautiful. Young surprise. I'm definitely overwound just how over the top the responses have been on 1st Street it's like Shark Week down the block honoring a local delicacy the Cafe du Monde Binya a New Orleans is going to have a good time no matter what some homeowners hired out of work artists or rented props from idle float builders to help those struggling and we actually hope that this is a thing every year even when the parades come back from the wild to whimsical the stationary parade bringing neighbors together turning Mardi Gras into a literal house party finding a way to let the good times roll and. Janet Shelley and c.b.s. News New Orleans it's. Finding a way. A lot of people think dealing with Seal p.d. Is walk in the park if I have something to help me grieve better everything would be fun and nice but I still have bad games flare ups. 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She does skin balancing 3 made for you formulas to presenting. And condition for solid balance to find the one. Just just the number and mind list to try boost high protein with 20 grams of protein for muscle versus 60 grams and ensure to lose time bruited also is key nutrients from you support boost type protein. Liberty Mutual customize my car insurance so I only pay for what I need what a great day. One note. On a messed up only pay for what you need it isn't easy. How do we ensure families facing food insecurity get access to their food. We needed to make sure that if they couldn't get to the food the food would come to that. We can deliver food banks and schools Amazon knows how to do that. And help deliver Tromp 1000000 meals to families and. That's the power of having a company like Amazon behind me. Tomorrow Norah O'Donnell interviews Bill Gates on his new book How to avoid a climate disaster we will live stream that at 2 15 pm Eastern time on c.b.s. News dot com and we'll have highlights on the c.b.s. Evening news if you can't watch live Don't forget such a d.v.r. So you can watch us later and that's tonight's edition of the c.b.s. Evening News I'm Major Garrett in Washington nor is back tomorrow good night. 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Deep freeze causes major challenges our roads no matter how much we salt them are not designed for it. Investigating so called security failures from the capital riots a 911 Commission. Another Kodak seen gets the green light in the end. Of the entire. Business c.b.s. World news roundup Late Edition. New York at least 4 people have died as a monster snow and ice storm poses across a wide swath of the country slick slipping roads. And knocking out power in Texas temperatures are in single digits c.b.s. Is always Preston for the 1st time ever the entire state of Texas is under a winter storm warning as a wicked storm dumps nowhere nice over the deep south the massive system left Seattle with the most snow it seen in almost 40 years and is making driving dangerous in areas where people are not used to snow nights are ropes no matter how much we salt them are not designed for it conditions are also lousy in parts of Arkansas Missouri and Kentucky air travel is also difficult by mid day Airlines canceled or delayed nearly 5000 flights across the u.s. With another round of snow and ice on the way communities are getting creative about preventing their supply of Corona virus vaccine out of redirecting appointments Detroit Mayor Mike Duggan we are canceling the Tuesday vaccine schedule we're moving all 3000 appointments to Saturday the World Health Organization has granted emergency authorization to the code of virus vaccine made by Astra Zeneca and Oxford University c.b.s. Is Dr David de Garis day one. And Day 21 it is a non frozen refrigerated and there are not allergic reactions you don't need to watch people afterward overseas rockets have struck outside or Beal's airport in Iraq near a u.s. Base c.b.s. News has learned at least 5 Americans are among the injured now that the impeachment trial of former President Trump is over lawmakers want more information about what happened January 6th corresponded to Cole Kilian House Speaker Nancy Pelosi says the next step is to establish a $911.00 Commission to investigate the Capitol attack on January 6th in a letter to Democratic lawmaker She says the independent probe should look into the causes as well as duper apparent is and response from Capitol Police and federal and local law enforcement in West Palm Beach Florida on this Presidents' Day. Hundreds attended a rally near where former President Trump now calls home at one point Mr Trump drove by in a limo to wave to the crowd and. Wall Street closed for the holiday now this. C.b.s. News Radio is your home for breaking news with our team of reporters around the country and the world we give you the coverage you can trust. I'm Frank you're a studio news we can finally say good bye to the sleet and freezing rain that got into the area Saturday here's n.b.c. Tends Crystal client we have dried out from the system we had yesterday there is going to be another one that moves right along kind of the south of us as we go into tonight and that will provide part of our region with a chance for one. In honor of Presidents' Day Dell delivers savings to help America's small businesses get more done office anywhere with up to 50 percent off high performance laptops desktops and servers with Intel Core processors and top brand Tronics plus refresh now with flexible financing options 877 Ask Dell for a Dell technology's advisor who can help you find the right tech that's a 77 Ask still or visit dell dot com slash Presidents Day. Mike room for is ready to go now indeed unexpected growth can stretch your business then. Like at Dr Morris dermatology practice to keep pace with new patients he needs to get started hiring right right away I need indeed indeed you do and the moment you sponsor a job on indeed to get a surplus of quality candidates from our resume database this in India dot com slash credit and get a 75 dollars credit for your 1st sponsored terms and conditions apply on their own platforms the open enrollment period follows an executive order signed by President Biden last month folks can sign up through May 15th the pandemic is having a big impact on dental care for young people correspondent Jim Crow a 3rd of Erin said the coven 1000 pandemic has made it harder to get dental care for their children according to a new national poll it also followed getting an appointment with a dentist was 3 times harder for children with Medicaid than those with private dental coverage you're listening to the c.b.s. World news round up. Hi there Jack thank you attacks there this year want to save some money filing your taxes file your taxes with Jackson Hewitt and pay $50.00 less than you paid someone else last year that's right pay 50 dollars less than last year have your taxes done by a skilled Jackson Hewitt tax pro and get the biggest refund possible guarantee it's win win win get more pay less than x. Now the offer won't last get your coupon code and offer details at Jackson Hewitt dot com Vance Jackson if you. Have you wanted to speak a new language but it'd be too difficult or take too much time then tried out in just 15 minutes a day Babel teaches you conversations that you will actually use with 14 languages and less in topics like travel business relationships and more you'll learn what matters most to you babble. Language For Life learn a new language with ease go to babble dot com to try for free that be a b b l dot com today is Roy Lambertson day on w d e l give Roy a call or text and wish him a happy day the following program has been prerecorded. For the Ramsey solution broadcasting the dollar car relativity owes its to the Ramsey Show work that is the issues paying the paid all mortgages to the black b.m.w. The status symbol of choice m j Ramsay road which Hogan Ramsay personality is my co-host open phones a triple like a true 55225 that triple 88255225 John is whether to start this hour off in Kansas City John how are you not you bet appreciate you taking my call Oh sure which. Ok you know from up to the last dozen years I've been focusing on real estate 'd. That's a Lamb Well we're not doing here and there but. I have I focused on that night I don't feel good about so much cash investments as far as like Ira goes oh it's only really you know we'll get about what I've done with what's real estate with that done for my net worth but. You know what at this time should I just continue on with my bros take ghosting or do I need to put more money in my Ira and I have about a 150 and I'm 50 years old not one shift in my Or well the point of getting retirement is to have some wealth I don't really care what it's in as long as you're comfortable with it I'm only comfortable investing in 2 things I invest in good growth stock mutual funds and I have a lot in that in my retirement accounts and if you're in a bank on it or a you said cash and you're making one percent then you need to roll that and get with the smart rational pro and get it in a mutual fund what I want to met was a long term you know long term cash it's what investment company doesn't make any money. Yes yes sister in law Ok so what's the gripe Oh I just don't feel good about it I guess is what I'm saying why you should be you will be a little more well rounded you don't want your heavy real estate you write your work you don't feel good about that or you don't feel good about the ira investigate about being heavily in the us in the list I mean it's all good for what it's done for me it's it's performed well and you will get you know return on mindless one on a percentage basis I'm just looking forward to another 10 or 15 years when I want to retire now is are the properties all paid off they are and what's the total value in a real estate portfolio well about $1200000.00 going to go man very well done well I know I am personally just to show you know this is who you're asking. Way heavier in real estate for 2 reasons One is I bought a bunch of real estate at a nickel to a dime on the dollar in 08. And so that stuff has gone through the freakin roof since I bought it at the bottom comparatively I mean the last values in a way recovered within 18 or 24 months and then on top of that it has appreciated dramatically since then. And I'm in a little state dog I got morosely license in 1978 man so I love that business and I love that investment very comfortable with it so. You know the way more than 50 percent in real estate of my net worth and so but I'm very comfortable with that I'm not worried about it because the real estate's all doing well it's not got I got a piece of real estate than do well I get rid of it but I don't get into that very often. There's no rule that says that you can't be there and other people on the other hand hate being a landlord and they've got all their money in mutual funds which is just fine Those are the 2 things I put money on I don't really put money in anything else. You know kind of same here I do have a home mortgage I don't feel great about it but you know it's got that cleared off . That it probably helped found and you know if you pop in one of those investment properties and pay that thing off I would make me mad but I mean if I have you done something theoretically wrong by the way that I teach or run my life or Chris teaches you know this is life now you haven't. Well might my thing about the rich you know like my home mortgage is about 300 k. In my house is kind worth double that. So about 50 percent they're always look at the interest rate on my home mortgage and think well making a lot more which you know with my money in the whole state that's bull that's complete bull if your house if your house was paid off you wouldn't go borrow want to buy a rental house when you're sitting on a 1000000 and a half and a 1000002 and paid for real estate if you thought it was great you would have been deep in debt on that stuff you don't think well. So it's you know it's I guess some of my real estate brings me you know. 15 to 25 percent return I would not borrow on my house to buy that. Ok well the only thing I borrow you know my mortgage was just all my high now effectively or borrow down your house to buy that because you're not willing to sell it to pay off your house it's the same math. So you can do whatever you want to do and I pay off your debt and stay out of debt and I got out of debt a long time ago I don't borrow money and so when a pandemic comes or a 2008 comes right or a 911 comes I'm the little pig in the breakout show that was going to huff and puff and I'm ready and a child you've done a great job now it's paying off the rental properties and that's great now as they will talk and you pivot let's look at your primary residence this is your home for goodness sake you want that thing paid off and out of your life so that needs to be the next mission and if you make it 15 percent a piece of real estate you're not make an enemy actual phone it's got a hassle factor the major oil and gas but. You're not making that on your mutual funds I make more I'm a realist I do all my me funds but mutual funds are less hassle and you know so it's whichever one you want it doesn't really matter the main thing is grow money Diane is in Vancouver Hi Dan how are you. Dave thanks for taking my call I really appreciate it and the critique there tell you 1st of all I am one of those old dogs that used to go to the Abyssinian store but my mom and cash in the air booklets to love it. So much so my question was I'm 64 and my girlfriend is 62 I've been single for 7 years she's been single for 20. Were both pretty well financially so I've got about a half 1000000 in my retirement account I don't owe anything with the exception of my condo and my girlfriend and. Pretty much of the all you think you got up with time seem out so more debate we were I'm conversations as far as do we get married do we not get married you hear all the different comments from the peanut gallery Why do you want to get married what are the benefits side spiritual benefits so one of are not your thoughts and swears at this age what would you do in a situation like this I am that age and so on but would you know the answer is real simple for me I'm a Christian I've got one option get married that's my only option. And I have and I believe as a person of faith that God gives us that direction because it's what's best for us . And now do you need to maybe do a pre-nup with her with 2000000 and you with a half a 1000000 for clarity you know that wouldn't be a bad thing I don't usually recommend pre-nuptial most the time I don't but you guys have enough money there and it just keeps the everything real clean and you know extended family or whatever no longer has an opinion launchers are pretty right in there but you know but then you keep saying at this age you're done you still got 30 something years left buddy live your life and connected to someone that loves you and you can love and keep moving forward. Sharon always jokes just as you'll be remembered about 30 minutes about when I'm Gonna Like Noah to take me . The 5. Cities go I'm taking property well more minutes. You're listening to the Ramsey Show. 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Mazda is celebrating Presidents Day Now if you've ever were 16 during the monster president's day you didn't get presidential savings on your new Mazda Mazda Martin Monsta has a great selection of new laws as in stock sports today as you believe for sports a group credit prior sales excluded so you were completely fails expires $21621.00 at the Boy Scouts of America our oath remains a scout pledge is to be kind helpful and brave we are committed to providing a safe and welcoming environment where scouts can establish the foundations of character that will last a lifetime. The Boy Scouts of America is building the youth of today leaders will turn to tomorrow the Boy Scouts of America building character is in our nature visit scouting dot org to learn more about scouting. 1000 pandemic threatens millions courageous health workers are risking their lives to protect us all but many don't have the supplies and support they need over the past 60 years Project Hope is trained health workers in over 100 countries now as the pandemic spreads Project Hope is expanding its work in the United States and around the world to learn more about Project hopes coronavirus response visit project sponsored by project. Right. Pretty quickly I got a lot going on over here but. Our divorce last year. We got a cheap at the top of the market kind of. A. Divorce. You know dark. No doubt whatsoever. Right now. At the moment. I have about $27000.00. I do have. Several businesses that are actually selling one of them this year I have been interested buyers are going to go and I do have. Mentioned my question for you is what I should be doing. I am not I don't earn a lot I do have. But. Like you are doing pretty. Good in 13 and. 20. I get about $500.00 a month child support. So my question is saving for my next home or prioritize retirement and education for the kids that are quickly becoming adults. Is it important to buy another house or should I be prioritizing my money elsewhere are all 3. It's just a matter of which are order to matter which are not not all of them are things you're going to get around here. If you're a matter of the order of the attack you're still healing from a divorce you're trying to get a career started again which apparently you probably didn't have before oh you get I have several I am I had several business honestly there are some but not when you're doing a lot of work for 20 grand Yes I am and so I think that's the biggest thing that's a glaring concern to me is your lack of income. But the so no I wouldn't be worried about buying a home right now I'd be worrying about not worrying but my 1st order of business is of I'm going to invest in something is to get your income up and that can be a work at home thing it could be that you invest some money in one of these ideas that is working and that you can expand and I knew that before I did I'm not worry about buying a home immediately if you buy a home the next 5 years will be Ok. And if you get the 1st kid in college the next 5 years you will have done a good job and so on but you're going to have to have income in excess of what you've got to do either one of those things would you agree. I do agree I am again I'm following what I don't know here I mean I don't know how much there are so for so many money. Yeah I believe you mean time around can't grant Yeah and that does not solve the issue at hand I mean you have a household of 4 on $20000.00 in Madison Wisconsin yes I now know that that's that's the glaring and that's the glaring concern not I'm not saying you did something wrong I'm just saying if there was an area to work on it's not a lack of home ownership rights not a lack of retirement savings right it's the area we want to work on and do something and it could be investing into one of these ideas again if you're on put money into something that's what I would put it towards and not much but a little bit and let's see if we could just I mean really I mean you could double your income maybe 40000 yeah I'm a show you've done a great job by not having debt you put yourself in a great subsidy you know Asian and so that's the thing you have to look at because again the income is going to allow you to be able to save up for a house or save up for college and do the things you're looking for so again try to fill in the herd a little bit of the businesses Yeah and figure out which one's a hobby versus which ones of business because businesses make money hobbies are fun and so just be honest with yourself and start to assess that and let go of some of those things so now you can focus on the main things and really be able to grow your income. I'm going to guess and say out of the 20015000 come from one of them. And the others are so my hobby probably that I've got some they're a distraction and they probably are fine and she likes them. But the one that's making my stance lean on I think he meant it you said it just gets on. And they enjoy it but it's a distraction now meaning if you know me money no hobby Yeah no no and that's that's real I'm just guessing that's why my mom a little bit 80 myself and that's why my mom works I can get I can get caught up in 73 things at once and I have to purposefully go no we're going to get the idea down to one or 2 and down because I can get just I can get I can then out my resources so thin right up of time emotion spirit money all the very thing else is gone and so hang on I'm going to give you a copy Christie Christie writes book business boutique equipping women to make money doing what they love and I'm not saying having fun is a bad thing I'm just saying if you're not making money doing it when you're using fun as an excuse to do it in college a business that's a hobby I Ed One is whether headwinds in New York City Hyatt when how can we help. I'll eat thank you so much for taking my call sure what's up. So my wife and I who are not a baby Dr Judy I was saving up for a house and we were debating also disabled for a car as well so we had them actually saving on the fly but we decided not it. Might. Be one can get another caller could already have one and my in-laws bought my eye wife a cause for her birthday so we're very grateful and generous when they get it and I would say but all we found out that they actually had to finance a call are you know a tool to kill us so you are ready to conquer with that. Launch a call to see what. What can we do next. So obviously that they did not put the car in your name or they financed it with a personal note. You know about the card on their name job insurance treasures everything on their name and on our name yeah. They still have to pay it off and. A brand new. Old Guard a brand new car. Yeah so we don't want to know that we we have the money but I know that there were many balance but we could assume a much needed and we have that money to pay it but then a day if you go down it feels like a good taken away from their gift. Yeah well this is not a gift no occur. There just one fused there broke people trying to do a nice thing on the way and if you do this you're taking money out of the home downpayment fund correct Well the thing is that we usually had that money aside for the car and also for the home Ok Actually since we decided that you know what I'm going to get a call by now ready kind of just go get together so the only good things are going to be I don't know and the like 7 months and competing. Exactly so I'm. Going to do it for us but I'm not I'm going to have got you guys serious family issues. Right because normal people don't do this this is toxic and we normal people communicate adult to adult and say We'd love to give you a car but we're going to come take us a while to pay it off and talk about it and they're showing up and going surprise you we're going to give you a pony she's not 8 years old she's a grown woman this is Doc's a little weird crap. Yeah they tried to telephone a lot want to get your call on a call you don't want and we told them they get lucky none of you want to way we don't want to call them now look at how you are right now yeah I guess it just felt like it was I don't know like a new desk kind of thing you know they were demanding they decide that they were going to tell you all what you're good know how does your wife feel about this. Issue a little next about it she doesn't want to run their feelings but she knows it's a bad deal like Yeah exactly I think the 2 of you have to decide what you're going to dare if this happened at my house your wife is here it's her parent she's going to have to handle it and you can sit there for support but she's going to do the talking Mom and Dad We love you and this was an attempt to do something really nice but it was a negative attempt and we don't want the car we will not accept the car here and you should take the car back and you should sell it. And get it out of your life and then you guys go on with your life and don't do this again please have better communication with us that. Is not how we live our life this is the Ramsey. Folks Tax day is going to be a great day that's because your health equity health savings account lets you take a last minute tax deduction here's the deal just max out your contributions and you and your family could save an extra $2000.00 on your taxes that's 2 grand in your pocket instead of Uncle Sam's and it only takes 2 minutes to log on to your health equity account and check the box 2000 and potential savings for 2 minutes of your time go to Health Equity dot com right now if you really want to win with money you have to learn does spend less a great tool that's helping my listeners save money is called Money Money is a free online shopping tool defines some of the best promo codes and applies them to your card for you $1.00 listener's at almost every time I shop online honey saves me anywhere from 10 to 30 percent and allows me to put that extra cash towards my debt add honey to your browser today go to join honey dot com slash Ramsey. Your fears take care of business and don't hold back taking care of your health shouldn't be any different you know when something's off nor sentence like the team joint pain and last is listening to your body it could be Luther's we're here to help you take control. Learn how At be fierce to control dot org brought to you by the Lupus Foundation of America and the Centers for Disease Control and Prevention. 19 is a severe lung infection trust the American Lung Association for science based public health information especially for the 36000000 Americans who live with lung disease we have resources to protect your lung health access expertise from medical professionals and peer to peer support to our online communities visit long dot org for daily updates or call 1800 young USA. C.b.s. News brief There have been hundreds of crashes coast to coast to do to slick roads and icy conditions all day this man was trying to drive and have been Louisiana were not as prepared by the door of noise we have sold drugs and let me be clear at least 4 people have died c.b.s. News meteorologist David Parkinson says it'll keep going this week used a night it's knowing in Oklahoma City there might be a little bit of snow in north Texas but this looks to be some sort of either sleet or freezing rain event as we go Tuesday night into Wednesday for most of Texas House Speaker Nancy Pelosi says an independent commission should investigate this a cure the failures of the January 6th assault of the Capitol now that the Senate impeachment trial has concluded in a letter to Democratic lawmaker She says the independent probe should look into the causes as well as their parent is and response from Capitol Police and federal and local law enforcement at c.b.s. Is Nicole Killian in Washington c.b.s. News brief piper. Thanks for listening to w d e l Here are a few things you should know 1st portions of our broadcast day may be prerecorded and or delay a 2nd Should you call this station you are giving us your permission to record and or air all or part of your call at our discretion 3rd this station from time to time runs various contests and giveaways which have a general and specific rules that address the contests and giveaways are conducted and things you need to know should you participate these rules along with certain other rules that govern our operations and websites can be viewed on our station web site w d e l dot com Some may be aired in part on our station or are available by writing or by visiting this station studio address 2727 Shipley road in Wilmington Once again thanks for listening to the w.e.o. And have a great day. I thought I could handle being Dad's caregiver but it has brought on so much paperwork computing and worrying that I called our house that they were able to help not only dad but me down our house since nurse answered all my questions the social worker how complete the paperwork I could just be a daughter again thanks to Delaware hospice in Delaware hospice a call at 302470 I sat in 07 for missing Delaware hospice dot org Tyler Moore. Did you know that 74 percent of cars that have been stolen or woman to have been stolen using the keys. On a silver platter. Maybe you're warming up calling off your vehicle be for travel. Maybe you're leaving your vehicle running while thinking something up real quick. No matter what we urge you to turn off and secure your vehicle when unintended. And always double check your car's actually locked. Less you want to offer up your car on a silver platter. We are Delaware we live we work we play here we are one community a family that's why we seek out ability and answers that we can build a brighter tomorrow because we all deserve a Delaware that has changed for the better. So. We are the local team behind 11 50 am 1017 f.m. Ever the d.d.l. Now more than ever committed to serving Delaware get high school sports scores on w d t l dot com and supported by John Steele Group Inc protect your home with the power of steel John steel roofing dot com. In the lobby of Ramsey solutions on the debt 3 stage Justin and Heather are with us hey guys how are you getting and I'll go for you guys live at a commission. Good to have you welcome to Nashville and how much debt if you paid off $72260.00 I love it and how long did that take you 8 and a half months good for you while and your range of income during that time well was often point so in 2019 we I had 80000 dollars and this year are projected to make between $115.12 Wow very good. Excellent where you guys do for a living I'm a carpenter. Home remodeling and stuff like that Ok Very cool so tell us what you pay all well we had 2000 dollars worth of couches 5500 dollars for a classic car 6600 dollars for a dirt bike $9800.00 for another classic car $10500.00 for a dime trailer and $37800.00 for a student Wow So like somebody had some toys Well yeah well take full responsibility for that one hers was all a student loan. So I wasn't thinking about her. That's so great Somebody has to tell you Michael you must have some money in savings or you sold something m we saw $24000.00 worth of stuff what is what did you sell we sold 54 Hudson Hornet I and Justin sold the brandy dirt bike he got he didn't even get to write it oh my gosh we're in Michigan we bought in November and it was gone by the end of March so no time to write in the winter Yeah yeah and then we also sold some tools that he had laying around and about oh wow Ok house you sacrifice some real stuff here just what happened what caused you all to get the serious well you know stuff is just stuff you know I look at the kids every day and I don't want to. You know I want to give them a means you know show them teach them you know so they can provide for themselves and better themselves. And you know with owning our business by the time the end of 2001000 came we had all those loans and just us working for a contractor that when he paid it painterly while but getting him to pay was a job in itself and so trying to float paying our subcontractors keeping the business going and by materials and the expenses for and then also paying ourselves the way that not really having and we were working basically for nothing and I and I think that the other thing too is we realize we had our parties wrong and that we needed to put God 1st and once we put God 1st and our life then all that stuff just became stuff it didn't become the source of contentment that we were looking for and so once we did that it was like the floodgates opened and it's like you say you know when God realizes you can manage a small then he gives you more and as the year on along we couldn't believe like the profits they were getting from these jobs and were like their homes get this much money and just blowing her like. A little the answer to that question. And we had a few bumps up along the road in July and got into a car accident and I So we were pretty thick into him really close to being done and Justin had an 85 Chevy Suburban laying around that had no conditioning the radio didn't work and I it was it was not my 1st choice of car but I've actually named her Bertha There you go and drove her with pride because we were not going to get another loan and actually we ended up getting the car back and seeing the progress that we had with so little left on the student loan. I was like I don't care about getting it fixed up like let's take the money that we were going to use to fix up the car and I don't have to see the outside of it it's fine on the inside only tacked it onto We just saw how fast it would progress getting out of debt sooner so when I originally started we thought it could be 2 years and I convinced him it only take 18 months and then it turned into a year and then as we just kept going and just kept piling and looking at everything that we could solve it just turned into 8 or half months and we were done a ton of time turned into a game. I mean once you turn a little things motional you then it's like Ok what it's like Tetris work and work and we show there's money to make you get to make this ball roll you know and I was listening to your show and you had someone on and he said something that really struck a chord it was God's not a transactional God he's a relational guy and that you know he's not just going to give you the $70000.00 but when you commit to it he finds that he gives you a way to do it so Justin had lots of opportunities for work we had all this stuff that became such a burden became a blessing in a way because it became a means to get out of debt and get out of the mess that we had made her a cool just you talk about your kids being your motivation your kids you all we have 3 older than 5 and a half almost 4 and almost too small and this stuff is just stuff you don't. You know Ok I don't have a brand new dirt bike I have a 20 year old dirt bike I have a 25 year old car it gets me to work the same way that's right so what's it really matter that's right you got your priorities straight well done Hauser feel before his amazing Yeah well we sound like you know like all we have is just a house payment you know it's just such a weight lifted off and you know being able to show that for the kids to you you know or start to teach the 5 year old I about giving and saving and spending and you know she's got a tour around the house and she just want to buy her 1st toy from earning her $8.00 of I love a dishwasher Yeah I love it you guys are incredible well done heroes very proud of you what do you tell people the key to getting out of debt is. Well being on the same page yes yes because we've actually known about you for 10 years and we were for 10 of those you actually met you 7 years ago at your other building and we get on board but then you know doing this is it's a commitment and you know like I it was something that we didn't think we'd be able to do and we thought we were about her than the average person because we didn't have a $1000.00 in our emergency fund we did have a loose budget and you know we would get a loan we pay it off early but then we go get another $1.00 and then we go get another one and Ok well after this one we're going to get into it and we never really did and then finally when all that kind of just weighed down you're like Ok we got to we got to do it got to knock it out and I got to do the recipe of the way that's me I was trying to get discuss that after some point yeah and it's just like yeah you know work and all hours of the night. On the show yeah. I feel like a rat in a wheel just run run run run get no where oh well Don you guys very very proud of you we got a copy of Chris Hogans book for you every day millionaires and it's the big chapter in your next chapter in your story and the kiddos join you for the debt free scream one of their names and I just this is an event she's This is our Senate she's almost 2 and this is Hudson and he is almost 4. Gospel This is awesome that's right here well you've changed your family tree guys I'm very proud of you very well done very well done all right Justin addy it's an Emmy 72000 paid off in 8 Niles months make it 80 to 115 they sold everything that one nailed down counted down let's hear a great debt free scream 32 new line. Well you know well very very well done I salute leave these young people these young kids are going to have a whole different future now mom and dad have taken back control and have a path and have clarity and that's fantastic You guys just started a legacy that's amazing and it's amazing you look at a family tree that got changed those of you watching on You Tube and I got to tell you that's a real thing it really happens and. You know Rachel Cruz was born the year that we went broke and we start understanding these things and of course her older sister Denise was a toddler our marriage just hanging on by a thread that's a year our life was changed they said never again and never again. And now Rachel's got kids assess and now you know the family tree changes you know you are you are changing it but you have to make a decision and you have to draw a line in the sand ago that's it we're done we're done and you know it's a grab a 20 year old something the rest your life but you do until you don't. You've got to make those sacrifices that's a requirement you've got to do it until you don't got to do it you know that see it and pay cash for it as you go that's the way it works very well done you guys. This is the Ramsey. 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For door buster deals this weekend only in matters warehouse including free next day delivery on all orders by any mattress get a pillow for only 5 dollars news and sleep patterns dot com for a location near you new country has a new home plate all this is good for us to come to. This cruise line a marina lamer you for 96.9 f.m. In Wilmington and I am 1510 in Salem are you taking care of an aging parent spouse or friend do you have a child with a learning or behavioral challenge this makes you a caregiver and Easter Seals understand how hard that can be we have a variety of programs and free resources to help caregivers at Easter Seals our goal is to help you get the most out of life so that you can take better care of your loved ones and yourself is that Easter Seals dot com slash caregiver today to learn more. Easter Seals dot com slash. Other toxin found over the years including what you've told me about not using alcohol and other drugs they stick with and believe it or not they really do make a difference especially at times that matter. For the drink nothing some good so thank you for talking and preparing me for what may be a very hot day for more information about talking with your kids about underage use of alcohol and other drugs visit underage drinking. Go. Over to Discount Tire for most things one thing I've learned after years on the track to having the. Right amount of pressure tires can make or break before properly inflated tires are central to the health of your car to keep you driving safely check your tire pressure once a month specially the road trip or stop by your neighborhood tire retailer Brown a message from the u.s. Tire Manufacturers Association. Hi I'm Dr need a challenge I would Today's tip for kids from the American Academy of Pediatrics choosing high quality child care is an important decision here are a few things to look for positive relationships between teachers and children time for children to play clear health and safety policies and good ways to keep you informed of your child's day finally make sure you visit where your child will spend their day and meet all of the staff protect us to help make your decision visit helping children dot org w d e l. Our for the day taught us to 7 to show yourself in all respects to be a model of good work in your teaching short tempered and. How much care for some saddest matters of style swim with the current in matters of principle stand like a rock. Mr stylish and. Thomas Jefferson who knew there you go. To personality is my co-host today you're on the air James is with us in Nashville Welcome to the Dave Ramsey Show. Thank you Dave are you better than I deserve what's up. I'm a father he's a long time leader and keeping the cash. Unfortunately is pretty empty elderly man that needs to grow north a 100 k. . You know I'm wondering what do I do with. 100 dollar bills when. I don't know it and you know it's like you don't leave her and you run a business whose entire life you could be the money every month. And never see any you know here in additional women now. Do you bank with. Bank with legions Ok. Go into them and talk to them about a private banker and go ahead and set your bank up on the us for this and ask them how to process this cash best and well in advance when it's going to start talking about it now. The a.t.f. Requires a report I believe it's over 10000 hours cash comes in it's reported on you to keep drug dealers around and money at their banks Ok And so a report goes out to the feds but that's not the end of the world it's just shows that it's there and you know you know I don't I do not know what a bank will require to process that. I know what I would require and require an armed guard leaving his house. And it was certainly be best if you could talk him into he sitting on 100 dollar bills. James if your no had. Does he have all his mental faculties still. Well that's another issue but many probably 90 percent Ok so I mean for his age but here allow you to open a bank account and begin to put this in. Oh Alan Ok Ok now and always I ask about the faculties too as this is what you know about. You know the 500000 I'm I just seriously in the home yard with a medal in the backyard just I would ask him just then talk and say dad you know we're else that you used to put money and just so you're able to have a trail you might be surprise there might be closer to 750 or something you know all Total don't want too much you find it all. Yeah just going on tonight is how. It's going to his home after he answers will certainly be all mine yeah I'm guessing he probably has hoarded other things. Not so much he loves his cash and Ali care so Ok And you know where he. He's got a bunch of real estate and you know some other holdings and so it's not only that catch as catch is not be concerned as your arm I always worried about it left it for future and now I think what are you doing are you are you an only child or are you an only child James. Yes Ok Ok that's going well yeah I hope he has a will and anything you can do to I just worry about his security you know. And so obviously it hasn't affected him so far 97 years so he's Ok Don't panic about it but would you get a safe day and at least try to get something in there to lock it down that would be about out there you know if you can talk him into it and there's these they already have done it or who he's told about it so just keeping him safe yeah that's the best they are differences that. My goodness gracious but yeah you're going to have to somehow. Usually a private banker. Would help you within your branch and region is a reasonable bank they would be able to provide that and can help you process the cash I'm sure there is a reporting mechanism I'm positive that they have to go through but I don't know how much it changes between 10500 and how you go I don't know. That's when I say I at the beginning of show Cash is king that is not what I mean. Just just clarity. Just for clarity I don't have $900000.00 in cash stored in my house I can promise you that. You know that money needs to be working for you just in the hammock and that's that that's what it's doing to us that mare my kid is Mike's in Charlotte North Carolina hi Mike how are you. I'm very I'm great so my wife and I did our state planning last year we've got 2 daughters under the age of or so if something happened one of my brothers would be to our state and another brother and his wife would raise our daughters they've all heard you talk about how you used it down every year with your family on the board to review what would happen if you died my wife and I and I wondered how all ensure we were of you our state with my brothers I got like a little and it's close to family where we stand financially so should we dive into those details Yes Don't ask them to manage it if you're not and leave it to them and then be surprised by what it is and we should have a reading of the will while you're alive and say this is how much this is if you trust him to manage it you have build trust him tell him about it right. You know when you're looking at me on the cabbie I would be that he should not discuss that with other family members batts right and Mike I agree that that one so that annual review was a good thing here's also the other kicker you can simply kids in one direction and the money you'll be Ok did Ok you did do 2 different brother right right oh yeah definitely sit down with them and I very much set out with them I mean if nothing changed and last year you said there's 1100000 The 4 a one k. And this year there's 1200000 and you call them up and just have a 10 minute conversation everything's the same only difference is here's the balances then that's I not give an update but the more complicated your state the more in-depth your annual review will be but it could be 3 minutes. But I but I just want to touch base make sure he's still cool managing it make sure because people do this stuff and they look up on a decade has gone by nobody's talked about it again and memories get short right and family gets crazy Mike you reserve the right to update it and make changes Yeah absolutely so it's not in stone but you can you can adjust that and anything of course Major that changes in your life if you change if you move your residence a different state if a child. Reaches the age of 18 or 21 that may necessitate a change or recommended change in a will. At that point you know you you also need to as a kid see a teenager start reviewing the stuff with them with them yeah I would say and sit down to talk about talk about the initial meeting Dave Yeah where you're sitting down and yes and then that way you can email update and just keep everybody on the same page yeah that's probably if he doesn't know the amount he just said Ya manage the money he may think it's 2000000 and it may be 200000 are might be the other way around right and so it's you need to just everybody's going to have expectations about exactly what is going on here absolutely going to happen if you can't trust them to discuss it while you're alive don't trust on the manager when your dad the truth so on and you've got you know you've got to go through this stuff and you talk about the kids we talked about that with I who we were going to leave the kids to and I don't take kids yeah no I mean that needs to be discussed and when we when we hit the drum about getting a will people this is because if you die it's called dying intestate without a will if you don't have one the government's going to make decisions about where your kids go yeah and I've travelled to of for almost all the states and guess what their potholes in every road what they can't take your road what makes you think they're going take your baby so do it we'll detail the people that are get the kids and do it the right way. Are you also heard it's pretty good all's pretty good I like that you can't trust them take care of the roads and don't trust them take care of your state but I will you know that's good my guts a really good question and thank you for for doing that but the more complicated the est the more in-depth the annual review would be the annual review could if they've got all the information the year before it would could be a 5 minute phone conversation it doesn't require much but it makes you stay in touch with the details and the people on the other side of the table that's smart it's just good the diligence preserving good show thank you so good to be with you James Chiles our producer Kelly Daniels our social producer and phone trainer great job in there guys and I am Dave Ramsey your host will be back with you before you know it in the meantime remember there's also really only one way to financial peace and that's to one day with the prince of b. I G.'s. In. Case it's Kelly associate producer and phone screener for the Ramsey Show if you would like to do your temporary screen live on the show make sure he visit Dave Ramsey dot com slash Oh it's right to start with left for you to come to Nashville and tell your story to. Me. Are you frustrated with your time share if you even been able to get to it I told you timeshares are a horrible product and it's crazy what these guys are doing when every other industry is trying to give consumers a break during go but the timeshare industry is charging you more maintenance fees are going up and special assessment fees have been sent claiming to be for offsetting the timeshares losses so you're having to pay more for something you can't even use. If you've had enough if you try to sell your timeshare and can't if you've called your timeshare and they won't take it back call timeshare exit team it's a long process and you have to participate in it that's where the team comes in although it's not easy getting out of a lifetime contract they have accepted over 22000 people call timeshare exit team today to see if they can help call 844999 exit or timeshare exit to name your own the go to source on their on line and on your phone w d e l w s t w h d to Wilmington w d l f and Cantona for every media station. You c.b.s. News on the hour sponsored by Dell small business Piper in New York at least 4 deaths have been linked to a dangerous winter storm system that's in danger in lives and breaking records across the country Elizabeth Ladner is with Portland General Electric in Oregon but winging from far away it. All happened and c.b.s. Is a Marvie a Frank is in Dallas and says millions of businesses and homes in Texas are without power and heat a record cold snap has turned Texas into a Tundra flurries fell in southeast Texas blanketing Galveston sandy beaches in white the city manager there warning infrastructure damage caused by the extreme temperatures could rival the cost of a hurricane. Frozen road sent an 18 wheeler careening out of control near Austin and a man nearly lost his life jumping just seconds before a car lost control and crashed into a police cruiser the impeachment trial of former President Trump revealed there's still a lot that remains unknown about the events of January 6th and now is Article killing reports some lawmakers are calling for all the facts to come out in a letter to announce Democrat Speaker Nancy Pelosi says Congress will establish a $911.00 style commission to review the facts and causes that led to the j. . 6 Capitol attack she says the outside panel should also examine the response from law enforcement including Capitol Police and the speaker says additional funding is warranted for the safety of lawmakers and the Capitol Republicans who voted to convict President drop over the weekend now face pushback from home when this vote was cast for Romney to Romney guilty it put you toss Mitt Romney in the crosshairs of Trump's supporters now some g.o.p. Members in Utah want to censure Romney other g.o.p. Senators who voted to convict have already been censured in their states as for former president some Republicans want to move past him others like Lindsey Graham the trunk movement is alive and well seem to think it's still Mr Trump's Party Steve Futterman c.b.s. News out of strain of the quote a virus has now arrived in New York Governor Andrew Cuomo there is a patient in New York City who has the positive with the South African very. Very And is the very good they're watching most closely the new variant was also just found in Mississippi today the World Health Organization has given the green light for emergency use for a vaccine made by Astra Zeneca Cicely Tyson is being honored and remembered tonight nothing at all over the missing she lighted reposed today at the Harlem New York church where she worshiped Tyson died on January 28th at the age of 96 is the c.b.s. News since the Dell President's Day sale for business is on with up to 50 percent off P.C.'s Howard by Intel Core processors 877 ask for a Dell technologies advisor that's 877 s. In honor of Presidents' Day Dell delivers savings to help America's small businesses get more done office anywhere with up to 50 percent off high performance laptops desktops and servers with Intel Core processors and top Randall electronics plus refresh now with flexible financing options call 877 Ask Dell for a delta. Said vizor who can help you find the right tech that's a 77 Ask tell or visit dell dot com slash Presidents Day. What can help you take advantage of today's low mortgage rates and save money racket Can't you could save hundreds of dollars every month by refinancing with Rocky mortgage at today's near historic low rates if your current rate is over 4 percent because you could lower your payments by over $150.00 a month saving thousands in interest every year today at 8338 rocket or go to rocket mortgage dot com See what amounts to a special edition. Of the rest of. The parades are canceled and the bars are close to this Mardi Gras normally hotels in New Orleans are booked solid this year they're telling us 30 percent occupancy don't have that at high of 40 percent Kelly shelter at the tourism marketing agency New Orleans and company says there were even weekends last fall before the holiday coronavirus surge where occupancy got as high as 50 percent Scholtz says the industry has its hopes pinned on vaccinations being ramped up so conventions and tourism a bit like music festivals can return to befall Chris Miller for c.b.s. News New Orleans on the heels of Prince Harry and wife Meghan announcing they're expecting his 2nd child c.b.s. Has announced that Oprah Winfrey will sit down with the pair for a primetime special next month c.b.s. Says it will cover everything with Meghan Markle from stepping into life as a royal merits motherhood philanthropy and more than 90 minutes special will air on c.b.s. On Sunday March 7th back Piper c.b.s. News. Those in a loved one is one of life's most difficult and painful events like cemeteries are here to provide for your spiritual and practical needs before during and after the loss of a lot in advance makes good emotional and financial sense if you're considering cremation canceling cemetery suggest a permanent resting place that allows for visitation a prayer for the entire family because your faith is forever and All Saints in Wilmington for info go to c.d.o. W. Dot org click cemeteries of the diocese of Wellington during difficult times young military families feel the impact when a military spouse is unemployed the whole family struggles the armed services y.m.c.a. Answers the call and provides food assistance to ensure military children have plenty to eat and childcare that enables military spouses to work now more than ever we need your help to provide emergency relief to military families help now and help y.m.c.a. Dot org Today is royal labor today on w d e l give Roy a call or text and wish him a happy day the following program has been pretty recorded. Live. Live. Live live. Live live for the Ramsey solution broadcasting the dollar in the studios of the Ramsey Show work that is done a look at all the orchestras taking the blood of the b.m.w. The status symbol. But only number one best selling author the couple times over personality Chris Folkenflik where to answer your questions about your life and your money open followers at AAA 825-5225 that's triple like a true 55225 buddies where those from Bloomington Illinois to start off this hour. Buddy how are you thanks for taking my call what's up I'm glad I like when I was around to actually she went through about an hour and. A grand march good for you and what I read around that are interest rates right now run out for about 5 or 6 years and got 30 year fixed about $4.00 a. Rendering this is a good idea because it meant it to be a cash flow a 15 year refight it or you know. What do you owe my house about and I think you know you have enough equity to just roll your closing costs into the deal I'm sure that we could a little be good idea to you know be sure there's more than stopping your debt snowball. And you think it would be good at that and we finance Well we're on day 2 Step 2 Yeah it's the only thing it does is it decreases your monthly cash flow in your payment even by going from a 30 to a 15 even though your drop in 2 percent is going to go up by Chris without a shadow of a doubt so in looking at that you do want to make sure that you're never refinancing just refinance I mean you've got to make sure that you're having some kind of savings and some kind of a rate change there have you gotten a quote buddy on what a payment would be on a $15.00. You know more about 1. $100.00. Yeah no more dollars. Or any bell dollars Yeah well $100.00 is not going to kill you and it's a good move to do all these rates are down. And so yeah go ahead and take it to a 15 I'm going to put 2 percent or whatever rate they're quoting right now which is you know you're saving 2 to 3 percent right. Yes definitely the time to do it and but I wouldn't I wouldn't hit the cash flow you get the closing cost out of pocket you can throw at that $120000.00 and dad and just roll it up into the mortgage and you're still going to recoup Either way it doesn't change your recruit your Ricoh position you know about $2000.00 a year about 2 percent on $100000.00 loan approximately so you're going to come out pretty quick Is there a scenario where you would have someone Paul's baby step to just to refinance I'm sitting here trying to think and I think I. Most of the time when you're doing a refinance you have room to roll your closing costs down so it doesn't come up very often if that were the case that would mean they had almost no equity right which would give me pause on other things and cause me to go if you got too much house what's going on here and he lock you know what's happened in that word all your equity go and I want to learn some more about it then because I would be a fairly unusual yes that was an area show your eyes are good question to think through but most of the time we roll it on in because either way you're going to pay the money you're going to pay it when you pay off the mortgage are you going to pay it when you approach you know out of your pocket right now while you're trying to pay off the 120000 I am it's pays me now pays me later he you know I don't get it either way so that's something I. It sounds like I'm telling you to borrow money but I'm really not because it's rolled in there and you're going to you know you know your payment is going to go you're getting rid of 15 years of payment that's right while you're at it so it makes a ton of all you out there doing house shopping remember number one you want to make sure that you're out of debt you've got a fully funded emergency fund and you've saved for a down payment I know rates are low right now when people get house fever Dave people are twitching they're like oh can't you understand the rates are so low you're not clear how are going to help yeah it doesn't matter what the rates are do and don't let the rates determine your plan you walk the process and look at it and be clear on that and also one more tip Hogans tips today he lock is a mortgage people Ok a home equity line of credit it's a big credit card attached to your house that using your equity Ok that's the most creative thing the banking industry has done in the last 30 years but it is a mortgage because there's a deed recorded on your property so if you have a he lock you have a 2nd mortgage now that is it into a mortgage that's after the 1st mortgage is a 2nd one and the one after that's called a 3rd one and that's where the name comes from right now so I just yeah you still got your but a mortgage you really didn't know and they're still take your house if you don't pay it it's called a foreclosure any other case so you will learn these things the hard way like I did or you will learn them the right way and not do them like Mr Hogan is suggesting here Lily is with us Louise in Salt Lake City Utah Hi Lily how are you all right I'm doing great good how can we help. And I'm just trying to get to 1st the 15 percent sort or retirement age my husband and I did learn it and so. You know we're just. I'm not sure we got well Tyree or both of us were not like. What can I do you know I just didn't get in the stock market then there's no back and you know program like a retired now some 18 members do you have on your in your business I mean people employees. Got. About 20 times how many have been there or been there more than 3 of the last 5 years oh like. Most of them are trying to check in with our oh is there anybody full time it's been there more than what 3 of the last 5. Maybe 11 or Q Ok they kind of fluctuate down Ok but to vote yeah I got you all right well the thing is this you can do a set up a simplified employee pension plan where you can put up to 13.6 percent of your net profit into your own retirement plan however with that you have to whatever percentage of your income you have put in you have to put in the same percentage of any employees that have been with you more than 3 of the last 5 permanent employees not not down not part timers Ok so you probably have enough people that qualify for that that that makes that a little bit on appealing 2nd option probably the better option is called the simple Ira you can do this in addition to your 4 a one k. And you can do it as a rock. Now the simple is you are opening up a 4 a one k. For your little company but it's called a simple Ira it's very inexpensive like $15.00 a year administrative fees where I've got like a big company with $1000.00 people I spend 152-0000 dollars a year in employee in a ministry to phase on our employees for a one k. So this is a simple one now the only downside the only requirement is is that you have to match what they put in up to 3 percent. And you can say that and you can set the. A guideline on who can join your little miniature for a one k. And I would recommend you set it if they haven't been with you at least a year that you don't match them in a company that size but that will cost you a little bit out of pocket but you can also then double fund and really get going check smart Mr pros they can help you do that it's a game changer to get that going in a small business that's what we did here for a long time to we no longer met the guidelines for the simple but not become too big so even if you're self-employed remember you've got to say for your future if you don't save you won't get to spend now we run into that with entree leadership and all the time of the time where they can't transfer that they can't get out of think is the only asset they've got your small business very important you can bet this is the Ramsey Show. Folks I'm a huge fan of simplicity and that's why I've recommended simply say for years to protect your home they introduced wireless security over a decade ago that took so many of the complications out of getting home security you customize your system online it's delivered to your door and you set it up yourself in under an hour after that you have 247 professional monitoring right now visit simply safe Direct dot com and you get a free h.d. Security camera with any new system with ensurance plans changing and a doctor balls resetting I know many of you are looking at higher out of pocket costs in the New Year which is why I want to remind you about the free service I've been talking about for months now called single Care dot com It's helping millions of Americans save up to a. 80 percent on their prescriptions and there are no membership fees or premiums so make sure to take 10 seconds to check the single care price that's single Care dot com The normal way to find a real estate agent just does not work you go online or ask a friend and end up with some normal agent who in the end really doesn't know enough to handle complex situations and really doesn't have your back News flash normal Sox You've got to think differently about who you hire to buy or sell your home that's why we started the endorsed local provider or LP program over 20 years ago our email gram makes it easy to connect with top trustworthy real estate agents in your area who think about money the Ramsey way our agents are vetted by our team for integrity and we demand excellence meaning there is no room for normal agents here find a trusted e.l.p. Real estate agent in your area by going to Dave Ramsey dot com slash agent today. This is Joe Cordell with a law firm Cornell and Cornell when the prospect of divorce becomes a reality you need a partner that you can count on consider contacting Cordell and Cordell we've helped men navigate complex legal matters for 30 years contact Cordell and Cordell to schedule an appointment with one of our firm's Philadelphia area attorneys on line accord l Cordell dot com offices in Philadelphia red and Allentown Pennsylvania and Mount Laurel New Jersey Michele Ferrari licensed in New Jersey and Pennsylvania licensed in Missouri and Illinois only President Biden says he will defeat the n.r.a. And now the n.r.a. Is fighting back all this week Newsmax T.V.'s stinks field tells the real story about Biden and the n.r.a. Watch Stansfield at 8 pm Eastern on Newsmax t v It's on all major cable systems check your guide or call them tell them you want Newsmax and download the free news Max app on your smartphone or smart t.v. And watch us now 30000000 Americans watch News Max You should too questions about coded You can call Delaware 211 or e-mail Delaware 211 at u w d done or medically related questions regarding testing symptoms and health related guidelines can be submitted by e-mail at d.p.h. Call at Delaware dot gov There's also a vaccine call center for those who have specific questions about the covered 19 vaccine that number is 302476150 or email vaccine at Delaware dot. Com 19 is the severe lung infection trust the American Lung Association for science based public health information especially for the 36000000 Americans who live with lung disease we have resources to protect your lung health access expertise from medical professionals and puta peer support to out online communities visit long dot org for daily updates or call 1800 young you listening. W d e l. I'm going to Ramsey personality is my column today open phones are 80555 David is in Washington d.c. Hi David welcome to the Dave Ramsey Show. Thank you gentlemen thank you very much for taking my call. I have a question my wife and I have a 529 plan for our son in the state of Virginia and down he's got one and a half years left until leaving for college. We think it's pretty much fully funded so we're only putting small amounts into it now but we're concerned that maybe our distributions are a little too aggressive now so we've got like 78 percent in stocks 18 percent in bonds 4 percent in cash and we want to do this kind of now should we back off of that a little either now or next year or as we head into college. How much is in there. We have in there right now a. 165000 Ok Well done congratulations that's bad about it's great and very fortunate and when you say stocks bonds and cash you're talking about you've got the it's a mutual fund selection you're not in individual stocks or bonds that's correct we have mutual funds through American funds you know Yes Well here's the thing Bonds have an inverse relationship as you probably know David to the interest rate market . So I as interest rates should go down bond prices go up interest rates have been unbelievably low for an unbelievably long period of time there's not a lot of places they're going to go but up. In terms of major moves in interest rates in the next 5 years Ok while you're a kid in school and so while bonds are typically pitched if you read standard financial planning writing people pitch bonds as a stabilizer in a portfolio in an extended low interest rate environment my personal conviction is that they are a de stabilizer because I think is interest rates tick up those bond prices are going to go down you don't lose your butt on that part of the portfolio and so it's while it's supposed to be more safe than the then the stocks I don't think it is in this current world personally so you can do what you want to but you called us so that's an opinion and we're probably worth what you paid for it I don't Consequently I don't own any bonds right now but I never really used bonds much in mine vesting at all unless you're in a balanced fund or something like that but so then the question just becomes do you want to be in cash or do you want to be in. Growth Stock type mutual funds for the next story and a half 4 and a half years because the bulk of a piece of that money is not going to come out for $5.00 for 4 years right right correct I'm probably going to stay depending on how worried you are about the stock market I'm going to the less worried you are on the stay heavy heavy heavy and in the in the mean in the gross stock mutual funds and a little bit of cash and the more worried you are the more I would be about cash but I don't think it's unsophisticated a matter of fact it's just a different way of thinking it's a different critical thinking set to avoid bonds number one and number 2 to say ah the risk represented by the market is not so substantial on the stocks that it's going to drive me crazy well and that mindset Dave I think this year has or this past year I keep to keep going backwards here the past year has shown us as we looked at what happened in the stock market in March and. Then how it rebounded it came back in October you know for us to make sure that we remember it's the long range view right and I think that is that I'm going to keep beating that drum of rote ride the roller coaster long range view look at what's going on don't listen to what people are saying watch what's happening. I mean on the short term the only thing that discard me for the stock market say more they also is just the level of political unrest Oh I agree a short term I mean if you believe that the political unrest is going to lead to the nation unraveling then you'd get out the stock market completely I don't believe that. But the stock market does not like an unpredictable world. It likes a predictable world even if it's a liberal world or conservative world right a Democrat or Republican it just just let me know out what it is and I can predict it and when when things aren't predictable as of a war springs up across the world of geopolitical I don't like that this crap going on in Washington on both sides of the aisle right is astronomically crazy when the cities were burning last summer right without getting into reasons or whether agreement or anything like that the stock market unlike it it's a living breathing thing as you've told people for years and because it's living and breathing it's got feelings and so the stock market has beat legs and so the Imagine if too much unrest or too much this or that happens there is going to be a reflection at some point now it's when people are worried it shows up right that's really what I don't downplay because it depends on what they're worried about so anyway all that to say David I personally if it was my kid I would be heavy in stocks I would be light to none in bonds and to the extent you're worried I would crank up my percentage in cash to the extent you're worried about the next 2 years of volatility but the thing goes down 10 percent that would be almost that. One of the biggest drops in 12 months in the history a stock market if it went down 10 percent and that would be $16000.00 doesn't keep your kid from going to school you know so you're not really playing with huge huge risk you're not going to have a situation where you lose 50 percent of your money that has occurred only $2.00 times in the entire history of the stock market and I do not see that item on the horizon it could be there but I don't see it and let's talk real quick here about obviously with student education and going to college you've got 165000 that you put away you know as you start to look in state at $10000.00 a year you've covered out of state tuition is $22000.00 a year and private tuition is around $36000.00 so you know you look at the dollar amount that you all have set aside David you all have done a fantastic job of being prepared now to do that finish the job I guess is what I'd say help your young person make a smart decision and don't pick a school based on a sports team and don't pick something based on a mascot let's pick on spic something that is fiscally responsible that you can pick out for you go Danielle as well there's an Indianapolis side and you know how are you. Right how can we help. My fiance and I have been listening to you show for a month they can now and he'd like your advice on. The way they were getting married May after I graduate from college and graduation I could be that lucky but you know. All the guys writing that I've already paid off around $8000.00 in federal. Been awarded under any time here and my fiance will graduate college of later and Amber this year and have $1000.00 of federal. Debt and about $10000.00 private debt kids parent I would buy it pay off. Loan debt now so that it would accrue any more interest before he gradually and just get it off the shoulder and you could have the marriage but he wants to wait until after he graduates in December to pay the loan. That you know gave his twitchin over here I felt that I've been around for 15 years I love that you have been intentional and that you're going to graduate debt free this is this impressive did you pay for did your parents pay for I think. I need. $5000.00 in the past about how you can quit Well I'm proud of you and I would say this and I'm going based on Dov all over this love that you've joined in you're listening to this love that you guys said at a young age you're talking about this but I'm going to tell you something you know 1st and foremost I wouldn't be doing anything for his dad until you guys are actually married until he says I do and you do when we do then you can start to have a plan together but prior to that you need to stay focused on what it is you're doing he needs to come up with a plan to try to attack that before you get married yeah after marriage we can do a lot of stuff Ok so I mean play that you wait until they get married in May Well you know that either way but you're set in the night then do you pay it off or do you wait all the. Simberg it doesn't matter if you've got the money that's fine after marriage to knock it out the primary concern I've got is that he finishes with no additional debt and be ashamed to pay it off and then not have the cash for him to finish that last item out of her or in the fall you know so if you've got that set up and you guys want to go and start attacking if there's not a wrong answer you're both of these are smart choices it's a smart or be smart know all of it comes after. The Ramsey. 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Crews are already trying to clear downed trees and power lines in places like Oregon where for some time the power authority was implementing rolling blackouts due to the weather and Chicago says road crews are staying on top of the storm but is urging residents to avoid traveling this is an all hands on deck moment and we are ready to make sure that our city continues to function even in this extraordinary a weather circumstance nearly 40000000 Americans have had at least one Cobra vaccine shot and more than 14000000 have had both doses but as our Carter Evans reports getting kids back to school is easier said than done another potential roadblock for schools under a new c.d.c. Guidelines there are limits to reopening if they're in so-called red zones communities where viral transmission is highest It turns out 91 percent of all u.s. Students live in red zones c.b.s. News. Thanks to the. Backpacks with food to eat out and has provided 345000 meals. Today let's go places. 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Today 13 for a long line economy and Lincoln car driven by the best offer expires 31. There are a ton of social networking websites but one stands apart for a very special reason this one saves lives it's Matching Donors dot com Matching Donors dot com living organ donors with people in need of kidney and other transplants in the United States. Each day. If you've ever considered becoming a living organ donor. Organ Transplant visit. The greatest gift of all. The children have taken over the candy store 1st it was Democrats lobbying for $20000.00 a year in taxpayer money for even thinking about the definition of the word now there's the Biden bonus giving parents 250 bucks a month for kids $16.00 to $17300.00 for every kid under 6 but wait what about special needs children over 17. And. How much. Longer this take 13 months and your range of income during that time about 12530000. And. 92 thank. You both your. 7 love it what's this house worth. 300 maybe but a. Fairy longer to been married. 1000 years tomorrow is the 1st time you've ever been 100 percent free. So tell me about this what in the world happened you people 13 months ago that made you decide to be weird. We took my son and his fiance back through Financial Peace University. And we had a conversation with my sister who initially introduced us to you guys. And then we just we knew about it and that just we want to change our legacy. We know our wa and we just got on the same page and got on fire but our journey really started. About 10 years ago when neither one of our parents we have financial conversations with so we went into it every card you know student loans our kids did travel everything even though we could afford nothing. And we got smart and so we refinanced everything into it he locked even the car and so that allowed more monthly income just be more in debt and we just got stuck in that cycle. Than to house payments behind 2 kids don't know what we're going to do and my sister who's. Financial peace I think 15 years you know her husband. And they stepped up to help the South through a hard time and were just really encouraging and then you go through the 1st time. As a student to get the message right we just we did Dave. Yeah it was it was fairly it was hard it was hard but there were so and then this time you're paying it forward so you're taking your son. Like your sister took you through right and this time you go hey wait a minute right you know I'm going out to. Man your sisters had a whole lot of students in 15 years but she's not had one chooses proud of as you. See you get choked up talking about your sister what she meant to you. Don't ever get an answer. Go start. Everything and say you know this just been always my rock and my current. So you said you had a big why why did you do this. I have 2 children more than life and being a mom is absolutely the most important thing and how old are they 31 and 26. And I want to I want to be a good example I want to I want to teach them what I didn't know I want them to have a chance you know that we now have through the help of others through you guys through the knowledge having the knowledge to do the right thing. Lee what you found out about your wife through this journey over the last 13 months. She can be very very determined. I mean what she said to her. That's want to fight. I'm interested that I'm. Going to go. Drop off into the sea get it right but. She's an amazing woman she it it's very very humbling to watch her sometimes she's she's. The gazelle like focus was amazing I was 100 percent on board at 1st we did the David I was the I was the we'll talk if you will you were the part I was the ish part but once we got on the same page it changed everything y'all have you have literally changed our our family. Yeah you did your heroes man we're proud of it true but you taught us and I'm proud of your sister and I look at the end of the ripple effect of this yes I mean not only are you here with a high paid for house and 19 years of marriage and everything's paid off house and everything never been debt free before now but now you're changing the next generation which is like your heart why you do everything I'm a mom that's what I do and so now they don't they don't have a choice. Now that determination is aimed at next generation. Which is the base here because you will see example for the people that are around you that go to church with you that work with you they're now going to believe that it's possible right you see so many people hear this information and they think maybe other people can but I can't because I didn't come from money like you I didn't come from that but you all have proven it is possible now you brought your sister Yes and her husband and Ok And one of their names Heather and richly I am looking at the look at the supporting cast over here that beautiful girls my daughter Ok so the 26 year olds with you then at $3131.00 I got it backwards a son's $0.20 and Ok All right cool beans All right so we don't usually do this but I think it's appropriate that they're all up there with you have enough Ok. Now let's get them all out there because I think this is a generational It is a family affair right here this is why you do this stuff this is why you do this stuff and this is why you're a Financial Peace Corps tonight for 15 years so that you get to see people like this but what better than your own you know it's really touching when somebody else would turn on by because we're all or sister or whatever it was I don't know but either one and pretty pretty stinking cool pretty amazing so proud of you guys your heroes thank you did what you are you're why you're stepping into it it's very very powerful very well done we've got a copy of Chris's book for you every day mill. There's Because that is definitely the next chapter in your story all right so you're seasoned Now you went through the hard part you got all the debt cleared off and you go back through start changing the next family tree and you look down you go I'm knocking out a mortgage 13 months later moments gone and I get the story right Ok so now you're professionals now is not you're not you are walking talking proof it can be done and you're not a theory right your real people what's the secret to getting out of debt. Go off with us it was 100 percent to be on the same page when I was issued it it was a struggle as soon as we once I got on the same page with her and agreed then it just it's not easy by any stretch but it was easier and that was that would be my thing now I don't present be on the same page and the why and why colliding at a. Very cool was a big deal when you got a big one like it and I don't know where you're going and why you're going there. It's illegal and Roseland on their daughter and sister and brother in law all here $92000.00 paid off in 13 months also in everything these are weird people making 125-2130 there are a 100 percent done baby counted down let's hear a debt free scream $3.00 to $1.00. That's it baby that's it you know if you read a good book if you go to a good movie. You tell your friends and your relatives you got to read this book you know you have to go this movie when you go through a class a completely changes your life a new teacher for 15 years it don't get any better than getting your sister through that's right I mean to get a family member to hear and listen and do. Is a magnificent feat. I've got family that's heard me talk about it. And they're not all the way in and so you know it doesn't stop me from talking. It doesn't stop me from talking. I don't even want to bring is a. Oh well it's not work. It's of money well that's so rewarding though everybody in that picture is winning you know one great thing or nothing as you said the ripple effect is real. This is the branch. How often can you get the best of both worlds not very often right well with the right secured program at Churchill mortgage it's possible you can secure a low right now to nail down your budget and if rates drop while you're shopping for a home they'll give you a lower rate that's right they take on the risk of fluctuating interest rates not you who does that well you should fall in love with the numbers before you fall in love with the house. This program lets you do just that so if you're buying a home this year you'd be crazy not to call Churchill and get your rate secured now call Churchill mortgage today and have the best of both worlds go to Churchill mortgage dot com or call AAA loan 200 that's Churchill mortgage dot com This is a paid advertisement and m.l.s. Id 1591 intimate less consumer access dot org equal housing lender 761 Old Hickory Boulevard brick what Tennessee 37027. Get active and engaged with dynamic online classes and hands on activities from. N.c.c. Dot org slash happenings to sign up for virtual art studio lessons or watch free online classes in fitness graphic and cooking then from the reader's cafe discover all the great things you and your family can do this winter I'm checking out what's happening at Newcastle deep dot gov slash happenings. Our veterans risked it all to protect our freedom one of the best ways to say thank you is to volunteer to support them at a time in history where kindness is a virtue voluntary going to therapy pag event teaching a crowd class or simply helping veterans at a hospital means a lot. 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Are you a veteran who served all shore on the Republic of Vietnam between 10621975 Water Navy veterans and their family members may now qualify for compensation in survivor benefits for health conditions linked to herbicide exposure such as Agent Orange. To learn more cold 187498387 or go to v.a. Dot gov and search blue water navy. Brought to you but he was Department of Veterans Affairs. W d e l. Result in Ramsey personalities my co-host today I'm Dave Ramsey This is common sense for your dollars a sense it's called The Dave Ramsey Show Al is with us and Dallas Texas what's up. Below and true what's up how can we help. So much the governor that are saying that he learned that the county clerk's office. Opposite that its capital recovery company does fall lawsuit against all. That and I do recall the one executed that when we used to be a single income family and getting my wife to college and all that we did accumulate that bed and we didn't pay it it was a credit card and so on now it's coming back to haunt us after you know 67 years. And so did a soft sober law firms have reached out to us and you know we can help them with this. Number one time to the side to see increase your school had a goal directed at them and make you know Ajman it coming you know what you can kid this whole thing off going to cost you 4500 or you can go out and just kind of numb some of 3000 but then the lawyers don't need the lawyers are rich enough to us and you know what if you have nothing you know if you hired us we could go and sit on that for us sometimes we could do it go in the note that completely and it's going to cost a couple $100.00. Yeah he. Probably bankruptcy lawyers colony. $100.00 and probably for you to file bankruptcy. And the actual optical $100.00 that go $100.00 they said it's put them to go ahead and take care of the case and then. Maybe they're going to go ahead and yeah but you said they called you right now yeah no I'm so sorry for the lives and the letter Yeah the attorneys to everybody for Ok so what's the balance on the on the credit card the credit card it's $4500.00 Ok and they have as the end the company has already offered that issuing is already offered to settle that for $3000.00. If you could get support in 500 monthly payments now for the next 30 to 30 months not doing that you could do to sit on it for about 300000 you have any money. But with that do you have any money. And money. No Where would you get any of this money we're talking about well we're thinking more of the installment program to be part of the baby steps because we're on baby steps to clean things off of some not that this what sure what your household income. Let me take home like every month it's like about 6 grand a car after car between me and my life now I would not hire an attorney to do a settlement of this type it's overkill and some of the attorneys that are sending you letters are not trying to work a settlement for you they're going to file bankruptcy for you and you have to be real careful there's a bunch of shysters in the space. So I don't think you need to what I would do is call the company back a sack can't do 3 but I can do 2 and I can do that 45 days from today because you can do that if you stop your debt Shabani straight up to during that 45 day. So I'm going to go to what I can do 2 by January the 1st. And then I let them know that and I would I I would have to let them know how we'll come to that agreement on that you send me a letter saying no we're not on the ground yeah and then you have to take the lawsuit against the county because that's what they did but they didn't mention to me that. If you're going to be certain. That's fine that's fine and so based on certain the papers that we are good county and someone like well I let them know it's not a big deal they can they can you can you can enter into an agreed order they can do that themselves if they agree to accept the 2000 just tell me you need that to be an agreed order and they'll do it older and so here's the thing I'm going to stop because they're going Ok the company that's doing this this lawsuit if feels to you like this is some kind of drama lawsuit like you see on television or something or like a court case that involves criminal stuff this is not like a lawsuit at that level this is more like going to traffic court for a ticket speeding ticket. You know if they know what these guys when they file this they didn't file a single lawsuit against you that day they took boxes of lawsuits down there and did them at one time because they are a widget factory and you are one widget out of thousands of widgets that they're going after so this is much more it's very transactional for them it's much more like traffic court than it is Perry Mason or Matlock or whoever right the I mean you know I was right so you know if feels you've never been sued and it feels very scary and the unknown of it feels very dramatic and very legal and I need a lawyer and all of that if some I was suing you for $500000.00 kind of a car wreck in an injury yeah get a lawyer Ok and the times you need legal representation I would not spend it on this if I were you I would call them and see if you can settle it for 2000 payment by the end of the year and they need to enter an agreed order with the county can remember that phrase read or agree or I'm writing it down. And then I need to send that to you in writing and know you they cannot have electronic access to your checking account and no you are not going to disclose a bunch of financial information of them including where you work or anything else . And now you're going to be to take a deep breath because you're going to need to be on the ball with this meeting writing it down I love that you're taking notes but you're going to write down who you spoke with the date the time the gist of the conversation like you want to keep it a full conversation log on this if you cannot get it to come to an agreement then you may want to spend $200.00 and hire an attorney to get them to come to agreement for you but make very very sure this is not filing. A bankruptcy of the reason it comes up out as I was in Texas the other day and I'm driving down the road and there's this big ole yellow billboard with these 2 guys in suits on it and it says the billboard is be debt free. And I thought oh it's some local guys doing. A talk radio show teach people how to get out debt like inspired by us or something other that's pretty cool and then I get to look at the Billboard As we're driving and it's bankruptcy attorneys. But they add doesn't say bankruptcy it's a little bit at the bottom bankruptcy attorneys and the big thing is just 2 guys in a suit so you may be debt free and not man somebody else has joined the chorus a that's how some but now they didn't know it was a lawyer who has money gram and so. That's exactly what about the people this stuff so yeah out just be very careful if you do retain an attorney the fact that they are soliciting you and they are going through the entire box of lawsuits and sending them all letters and you're just one of them right and our fear is that you end up with a $10000.00 legal bill over a $3000.00 credit card Yeah exactly just be aware out thank you for reaching out buddy It took courage because you could hear the fear in your voice but you've got steps now to be able to take to be able to protect yourself so 3 things you're going to get on the phone with them come to an amount around 2000 whatever you can come up with by the end the year 2000 dollars by year end $1231.00 Ok if that's if you then 2nd things get that in writing. And when you do that agreement tell them that that needs to be an agreed order so they stop the lawsuit until $1231.00 after $1231.00 then come after if you don't pay it but then because you didn't follow through on the agreed order then the 2nd step is it has all this has to be in writing to you and you keep the peace pipe for the rest of your life. And then the 3rd thing is they do not have electronic access to your checking account and you're not give them any financial information when you pay them it'll be with pre cashiers check or prepaid debit card but no access to any of your other accounts we don't want them to know where they are or that they exist so you're putting up the shields you really are because they're good they will ask you questions that a way that you don't feel interrogated Where is it your electronic non-germane those conversations conversations about $2000.00 yes makes us go away I like all other questions that don't have to do with that are not going to be answered are dealing with this is $2000.00 and I am out of your life and you're out of my life and it's enter writing and no electronic access from a checking account to be debit card or cashier's check those are the 3 steps that greed order we're doing this by and I've done tens of thousands of those and I am not a lawyer and I was practicing law all of that just simply negotiated on behalf of clients of ours a settlement you're allowed to do that for yourself are literally for someone else . And you know done I wouldn't pay the money unless you get yourself painted into a corner and then get a lawyer that you're a real lawyer not a bankruptcy attorney. Protect yourself this is the Ramsey Show. This is James childs producer of the Ramsey Show you know the Ramsey Show is one of the most popular podcasts in the world subscribe for politics where ever you listen . 2020 is finally over but there's still a lot of work to do in 2021 here at Ramsey solutions we are working hard and we need people like you to join us on our mission to change lives we're hiring designers marketers writers sales reps and tons of Engineers we're paving the way with our digital products and we have massive goals to deliver hope to millions of more people this year and you should know while we always work hard we also have a lot of fun our $1000.00 team members get together for weekly staff meetings monthly celebrations and epic annual events we volunteer on company time at local charities and nonprofits.