Under $27.00 a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shopped for your life insurance you're probably paying too much for your free quote call 804710780471078047107 or go to select quote dot com since 1985 we shop you save get full details on the example policy it's like quote dot com slash commercials or price could vary depending on your health issue or company another fact not available in all states. 6.5 w d b o f m Orlando New 1000 Windows solutions. This is 96.5. David's with us on the Clark Howard Show Hello David. Great thank you David what is it you'd like to ask me about well I'm planning on moving now next 2 months from New York to Florida and I was wondering about those container companies that come in and grab a container you. Yourself And Then they ship it boy that has become a business has a lot of people aren't of a mind that they want to drive rental truck you know across in your case not across the country but New York to far that's a pretty long drive in a rental truck but they don't mind loading up and unloading their own things and that's why it's become such a big business to pay the one of those pied services in the biggest one is called Potts right you know that's the most recognized brand name right so far is is hiring one of those companies do you know that I cannot recall. Getting any complaints ever about any of the pod rental companies and when you asked me about traditional movers I've had over the years at the minimum 102nd points about traditional movers so I would say that based on my experience in this area you can feel comfortable comparing them on the issue of price and what they say in terms of the cycle in which they'll get the delivery done for you from New York to Florida Ok And there's there's roughly think there's about 10 of them now that do the state to state what the pods I only saw 2 that I saw on line right now there's a list Joe moving dot com has one right not moving dot org right moving dot com being dot com moving dot org is for the traditional moving industry but moving dot com If you go there you'll see a lot of information about the container companies and hiring them for a move you get information about the size of the pods each of them do and how their method of operation is for handling your move well wonderful to check that out so are you going to be a 12 month a year person in Florida or unity 751212 are right well I hope you love it where in Florida are you going. Near our land Oh all right well have a great time with your new wife and 0 state income tax you're listening to the car coward show. Uses News $96.00 w d b o Orlando turns 1st for breaking news traffic 24 hours a day is a good start it's now cockatoos $96.00 w. D. We've got some stormy weather moving through watching as the storm front moves from the south and east across your area of rain heavy at times danger of winds could be there and we begin our live team coverage folds around show rainfall is definitely arrived here in central Florida driving on I 4 right now it is definitely picked up quickly a whole lot of ponding as you get close to the downtown area and some of those construction zones you want to be careful of that if you've got your headlights on as well don't get yourself and take it in this rain but still showing no signs of slowing down a couple of wind gusts starting to blow through as well haven't seen anything quite 60 miles an hour but is definitely getting gusts here out there again no sign of slowing down at all Kevin Ray fuses 96.5 w. D.b.o. Reports from West Orange and some all counties our team coverage continues on Orlando's news at noon this is news maybe $6.00 w. Do you feel we're Lando turns 1st for breaking news weather and traffic it's going to be increasingly went all through the listening area through the late morning and afternoon hours today from Channel 9 in chief meteorologist on terrorism to fall news on the 6.5 w t v o interactive weather radar shows of the heaviest showers now on the south side especially around accuse City and St Cloud we've got 69 in Orlando getting an update on stormy conditions in some of the county I'm in Lake Mary right now Dave and actually for us it's starting to get a little lighter but it seems to be coming in bands so we'll get a little band. Really really hard rain the wind will pick up for a few minutes and then a few minutes later a calm still but you can hear there's a steady rain I know we've gotten at least a couple of inches because I'm looking at my pool level and it's gotten a lot higher but other than that rain off and on off and on Nothing severe right now reporting in Lake Mary I'm Marsha Taylor news not a 6.5 w. Dubio. And we have some problems on the road is red alert there is flooding on I 4 it is westbound at the turnpike getting reports of some damage especially north and east of Tampa a possible tornado causing power lines and trees to fall in the Port Richey area and of this is all part of winter storm Diego that has dumped over a foot of snow on North Carolina it is impacting flights in the southeast u.s. You can check on the status of yours in the News 96.5 w d b o app you'll find it in traffic 12 o 3 you do is 96.5 w d b o. Do bring your Washington watch dog and this is where Orlando turns 1st for breaking news weather and traffic news 965 w d b o. Weather brought to you by Tuffy Tire and Auto Service have to noon Orlando starting you off on I 4 x. Alone and all the right lane is still being blocked off due to heavy flooding so use extra caution when driving then I 4 eastbound out to 429 t. Incident there is block in your shoulder rest of I 4 east and west are to see delays due to inclement weather this report is sponsored by pilots on the perfect gift for them and you is a last chance to give the peloton bike in time for the holidays ordered by December 10th and get guaranteed delivery by December 25th for more details see one peloton dot com The roadways are extra sleep or this morning due to heavy rain so turn on those headlights and drive with caution people team traffic I'm Eric Michaels News 96.5 w. D.v. . This is a gentleman I would as news chief meteorologist Tom Terris is where Orlando turns a great weekend Florida thank you so much for tuning in to guarding your nest egg with Mike Lester and the team from talent wealth management My name is Kristen Charles here alongside Mike on the radio each week talking about things that matter to you and your money when you're 55 and older and how life here in Florida just changes when you start approaching or getting into retirement today we'll talk about balancing your retirement planning with caring for a loved one and also talk about what those of you listening that are $55.00 and older can do during times of market volatility that we've been seeing on and off here lightly Mike and something else I want to point out is we've made one change to the show that I think is an amazing change big change yes we fired our producer Doug then we rehired. Finally started acting right so he's back on the show that it's glad to have you back that knowledge all kidding aside we're changed. The phone number we are I think it's a big deal I've been toying with this for years now we want our listeners to realize how local we are to them because literally literally we have offices throughout the state of Florida let me in the lottery then tell me if I'm missing anything so far Lando Jacksonville Palm Coast Melbourne the villages West Palm Beach near a beach Ok absolutely So if you go through all the markets and we're talking a lot of phone numbers there it's starting to get to be a mouthful for us and probably our listeners and the reality is a lot of our clients travel and we do work with people throughout the United States and so we just wanted to be easy and upfront and kind of use the word toll free as a goofy it is toll free and is make sure that the company they give us a call right yeah we're going to move to a toll free phone number and I think it's very smart too because you've got a lot of people that split their time between Florida and wherever else they may spend the other half of the year you know they never have to worry about that one number everywhere it doesn't matter which office is closest to you you're listening here in Florida 833-633-9500 that's a good one to remember they got their mike a did you pick it up yourself I did like I'd call a time on that question a headache there are a lot of numbers out there believe or not 833-633-9500 that's 833-633-9500 toll free anywhere in the u.s. But specifically because there are so many offices here in Florida and Mike just wants to be readily available to you listening when it comes to active wealth management concerning your portfolio always find out more at guarding your nest egg dot com The easiest way to connect if you are sitting at home and just want to jump online and meet Mike and the team in advance you know governors love to talk about how great their state is or show because it's their state of course we have a new governor here in Florida oh my gosh I forgot about that you know I forgot as I've turned off the news for a little while Ok I've got to just take a deep breath after all the election Well hey there was a whole hoopla is going to see about that right now thank you yes. Well the people of Maine were a little surprised when their outgoing governor revealed his plan for life after politics I'm going to retire go to Florida. A live report right Ackley and we know here in the sunshine state we have lower property taxes no income tax a lot of people a lot of that course in taxes become a big issue for us once we retire I know that they're doing the show with you so I assume that more people are retiring here for more than just the weather well they are in it a Florida obviously is a really really easy place to retire to particularly if you're from Maine right I don't want to be and I mean when I think of Maine I think of lobsters we have plenty of clients general out there to full in the summertime bad me hey if you can retire to Florida or even spend your winners in Florida and spend your summers in Maine I think that's a perfect situation for people that are from there and certainly have a lot of clients that do that and they do it exactly right from Maine but you're a Christian when it comes to not just the weather but the cost of retirement if you live in a state where taxes are higher or in particular they have state taxes in that state that's just an extra drawdown on your portfolio is an extra thing that have to take into consideration and in some states it's quite high here in the state of Florida fortunately and by the way the governor conversation is kind of Horton because the other guy that was running wanted to bring a state tax to Florida right. Which is big time and hurt the amount of people that you know little or so yeah I mean so it's going to shocking to me that it was even a close you know right you would think hey this guy wants to give us all a state taxes and then people are like will vote for him that didn't make less sense for me but anyway at least it worked out their best way financially that's right financial fair body but at the end of the day taxes are really really important to us here in Florida and the fact that like you said not just the state taxes the property tax and everything else and it's a huge piece of that financial puzzle when we're putting together financial plans for individuals Kristen every single week I'll sit down with somebody who's literally making that. And you know it's a kind of a story that I think most people don't think about but love him soon or we're obviously working with people and we're setting up accounts for them and part of that opening an account process is getting their driver's license you know and so when they pull a driver's license out their pocket if they slide a out of state driver's license you know across the conference room table at me you know immediately my head just goes oh oh Ok yeah so they've got a more competent in Honestly one of the things that will bring up is just say listen how much time do you spend in the state of Florida and if it's at least 6 months or more then I'll say well why why don't you go get a Florida driver's license then you know just declare Florida as your state of residence because you would save so much in taxes and some people have a reason for not doing it literally some people you know sitting with a husband and wife and maybe the husband has the floor driver's license and the wife still has the state driver's license but it's critically important to understand all those pieces of the puzzle when you're putting together your financial plan for retirement I know that you know we've seen volatility in markets here lately and people think primarily about how much money they're making or how much money they're losing in their portfolio that is the other way losing a lot of money to literally exactly with taxes you could be losing a ton there as well so I mean if you're paying 6 percent in your income in taxes because you have a state tax in addition to the federal tax Well that's 6 percent we could save somebody you know just by having them move to the state of Florida so that's why we refer to our financial plans as comprehensive because we are looking at all of the aspects of retirement not just the investments themselves although that's that's a huge part of it for us but we have estate planning attorneys that we work with to help clients we have C.P.A.'s and c f P's that we work with to help our clients out we just want to make sure that these financial plans are as efficient as they possibly can be and so to me that means how do we make sure that you're getting the highest rate of return you can net of any fee that you're paying in addition to that let's make sure that you're not taking more risk than you have to be taking to get that return because time and time again we see people now say well I'm averaging a. My portfolio but sometimes we're taking twice as much for it because they need to take to get that right so if we can reduce the amount of us to take to get that return and then we start getting into taxes and making sure they're not paying more in taxes than they need to be paying we're getting towards the end of the year here people should be looking at taxes take into consideration things like tax loss harvesting before the end of the year all of these things are important and I can ramble on and on and on but it's a lot easier Christian if I just sit down face to face with somebody the office we do that initial meeting going to get to know you talk about where you're at where you want to be talk about that transition into retirement or if you're currently retired talk about how to keep you that way and will do that analysis of your current portfolio find out if you're efficient or not when it comes to returns and fees and risk but it also will help you put together a financial plan and again that is comprehensive if it does include all of that what I'd say is if you want to give us a call the next 10 minutes we can do that for you complimentary 833-633-9500 call within the next 10 minutes a comprehensive financial plan which covers issues like market volatility making sure you're paying an appropriate amount of fees and taxes in retirement many other things too that's why it's comprehensive it's a 1500 dollar value but it's complementary if you call within the next 10 minutes 833-633-9500 you can sit down with Mike in the team right here in Florida and have them put that together for you at no charge you can also find out more and connect at guarding your nest egg dot com there was a recent article in Kiplinger saying that one of the most polarizing retirement planning tools out there is the annuity you know I'm going to say that I know it yeah and some advisers love them others don't right I know you have very mixed feelings not really that mixed there are strong feelings about the new ities Yeah out there what's your advice for listeners who might be considering one as part of their overall strategy because I mean obviously we should just have one thing as part of our retirement no matter what it is yes so new it is. Interesting I mean some people consider a 4 letter word people come into the office and they're gross Some people say you're the guy that hates annuities right and I'm like well hey it's kind of a strong word I hate how they're marketed and I just I hate the product itself and then sometimes people come to my office and they'll say you don't do annuities do you you know almost like I'm going to walk out if you even bring up the word annuity so annuities are extremely polarizing some people really like them other people hate them I think the biggest thing is they're probably misunderstood and they're misunderstood because there are a lot of advisors that are just selling them to get that commission and it's very transactional you know they they know if they can get you to commit that putting you know some of your money or all of your money into the annuity product they're going to get a commission and then they can go on to the next person and try to convince them to do the same thing and nobody wants to get sold anything Christian right and people are looking for a solution to their problem so if I was to describe an annuity what I would say is 1st of all we've got to get the facts we're going to understand exactly what the unity will do but then also what it won't do for you I think it's unfair there are people out there saying an annuity is going to guarantee you 5 percent or 6 percent or 7 percent on your money and telling people that you know you're going to get that $56.00 or 7 percent on their money with no risk and that's just not true there's no such thing as an annuity that will guarantee that your principle will grow at 5 percent or 6 percent or 7 or 8 or what have you well then how are we hearing advertisements like that that's what confused me and everybody else Sure I mean people go Well they're saying on the radio or that any other message in our must be true and the issue is it's not it's there they're twisting the words and it gets confusing if we talk about it here on the radio but essentially there's a difference between your money and then what they're calling and income a guaranteed income you can get for the rest of your life and so they'll give you increases in a bucket of money inside that annuity that is not your money you can't walk away with that and that's where the confusion people are thinking well I was told I'm guaranteed to get 8 percent per year and so my principal clearly must be increasing by 8 percent per year and that's just not happening and what I'd say is if you're consider. An annuity and somebody has told you you're guaranteed you know anything at 5 percent or higher or if they're offering you a big giant bonus to go into the annuity you have to ask yourself why how can that how can a company afford to give me I don't know if you know 10 percent or 15 percent or 20 percent or 25 percent you know whatever the big bonuses how could they possibly be able to afford to do that I mean there's got to be a catch and and that's where the fine print becomes extremely important and that's really I think if I could give anybody a message about an annuity I would say I understand the fine print and it's really hard to do talking to the sales person right as they are instead of eyes to get the their little guy and they'll down there will be biased so that's what we do for a listeners literally every week somebody will come in with either with a question about a currently that they have or maybe some is trying to sell an annuity and they just want to get the facts so we'