[0:00:41] ... I'm gonna sell it. But Hologic -- the kids. ...
[0:02:03] ... nothing saying he had to give it all of them in one fell swoop. ...
[0:04:32] ... they haven't put anything into the college education. -- Oakland that they benefit if they picked it and the College Station and nice so that this -- role. If you worker in the summertime and honor all that well and and help but ...
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[0:00:33] ... then I can I make the argument that putting money under the mattress is better than going into annuities annuities are lousy product I think they should be illegal. They're not. They're there a legal product but basically. Actually I'd I'd I'd ...
[0:01:06] ... type or almost exactly same type of investment. Product available without the drawbacks of annuities so. With -- the one exception I made which is the benefit. To the people sell them things. I don't think they're any benefits to annuities and yes there you are you gonna get people coming out of the woodwork trying to sell you a new -- And they'll come up with -- new names -- they have new types of -- all the times. All the time. Because they wanna sell because when they sound they make a lot of money but the fact of the matter is. All annuities have the same major drawbacks. That virtually. They don't all have all of the say that the same drawbacks but they all -- have virtually all the same drawbacks and which make them a lousy product for people to be to be investing. Who the exception we make with annuities is to fall one. If you. If annuities part of a forward care for a three beats the site in the big good it just it lowers the the -- then it the negative it spreads and negativity around and in some cases very very. And minor. Limited cases they can be a part of Europe. Retirement. He returned planning your your health care. Many Medicare. Moon. Nursing home care. Planning. But that's -- that's not -- that's not your question and that's not the issue here so now a new I don't like annuities I would not. And and and Susan I will retain that until they make -- a good investment. Which I don't pay ...
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[0:00:36] ... pitch com and I know how to load it and had an appraisal done approximately six months ago and I just didn't. ...
[0:00:45] ... There have been closed down before well. Okay because of this is new. Case law which makes buying foreclosed properties dangerous but -- in your case in May -- the exception. What's your question. ...
[0:01:43] ... see what it's worth the and then you can go back sizzle to the -- all receipts economic job which he goes on. ...
[0:02:51] ... they'll and and by the the entity that -- it is the lender. Then you may be able to negotiate a better deal with that. On the other flip side as they make kicked out. ...
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[0:03:02] ... debt as a percentage of GDP gross domestic product. Off for the United States is about 5050. For Britain. Is that the death as a percentage of their hold GDP. 70%. France 77%. Germany 80%. Italy ...
[0:03:42] ... basically. To be the credit markets back from the abyss and the United States even with the problem Graham we're still the strongest economy in the world. ...
[0:04:33] ... existing homes. Up nine point 4%. So so little by little the housing market is coming back. And all of these. And are helping us. Consumers have cut borrowing by twelve billion dollars in August some ...
[0:08:53] ... a job. On it may do you really time to rethink your health benefit choices. Whatever you do with your health benefits during the current open enrollment season for 2010 is a good chance it won't ...
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[0:00:18] ... that the decade before I'd move. They came back -- mean Whitley interest rates being doubled. ...
[0:00:26] ... who who who came back that you. This same brand new car used car. ...
[0:00:40] ... Idea that I bought it at 9 o'clock midnight -- credit CV on 9% interest rates. ...
[0:02:41] ... if you get an attorney that you might wanna do so. The attorney general in. Utah and CVB may be able to bring some action. ...
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[0:00:19] ... And I I -- and I -- college financial seminar a couple of -- corruption and according to this guy -- on everything wrong. And. ...
[0:03:03] ... you're gonna get some you know get the college to pay free kit. Either that I've outside have a child who's seven feet tall played great basketball. -- have a child who's eight at an excellent student and get scholarships but. Other it's short of that it's gonna be hard they call these people are full of fill in the -- got ...
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[0:02:19] ... government announced Thursday there will be no cost of living increased its Social Security line. Not because they're mean not because like the horrible but because we have inflation. And so they're not going to have ...
[0:03:28] ... haven't gone up the tetris tetris ultra will cost of living increase Social Security says. Inflation not coming back. There are other indicators like oil prices. Coming back again this past week the -- inflation in coming. The most important issue forever because that's science calling -- Palin ...
[0:06:48] ... many variables people can correctly site. The top five variable for inflation interest rates going up the stock market going down and they can be. Well correct but the other reached -- 98 variables. They couldn't predict and so in the last ten years. OPEC nations oil prices. Curling up people flying begin testing on an -- bad winter's fuel caught all of the Fed to us. Interest rates to critical immigrant and inflation and it didn't happen stick to many variable we simply can't now. But therefore we anticipate what's ...
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[0:00:01] ... She eyed Susan Kaplan. ...
[0:00:10] ... here on its -- Verizon Wireless phone -- the queen of mutual funds the Einstein investing yourself Susan Kaplan is not here today she is traveling and she's actually on on. On -- Correct pronunciation whatever she is going where she's ...
[0:01:43] ... that people should be saving more effect. Of development developed nations the United States I think has -- on the lawlessness not the lowest. The percentage savings rate which is not good especially when you consider ...
[0:05:34] ... reason the credit crunch -- B ports -- too much money before buying homes they couldn't afford people bought. Buying homes include report and then barring all the equity they had out of it and that's one of the reasons why beat this ...
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[0:00:33] ... I -- I. Go I'm I'm actually glad he did sounds better soghoian. ...
[0:00:41] ... into the current of the credit 8000 but I -- I'm brushing my election what I might. Think by not getting obviously and for the credit or act I'm looking at prices that are ...
[0:01:03] ... first time -- and you qualify for the first time home buyer tax credit. Then you want to the obvious obviously take advantage of on the other hand he don't wanna buy what you have to do and it's hard to do. Because 8000 dollars lot of money but. What you have to do is if you -- looking to buy it -- first time home buyer. When you find a home that you want to buy you have to -- yourself and down and and look yourself in the mirror and ask yourself and be honest with the answer this question. If I -- to. If if it wasn't for the 8000 dollar tax credit when I'd be so quick to buy this home and if the answer is no then don't buy. That that that's what it basically comes down to see you it really comes down to question being honest with yourself because although 8000 dollars is isn't. -- healthy chuck jumped to change if you push yourself to buy a home that you never would -- or you'll almost certainly wouldn't of bought. If but for this 8000 dollar tax credit you gonna be gonna. Read read it down the road so so. You know. Continued to to have to look for the home. And if you find something you love and trying you can push it through within a month in in some cases. But don't push yourself to buy something simply to get the tax credit. -- ...
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[0:00:28] ... CI a on a Condo. It's about 113 between the first and second hand and it might be worked around that but does. Weren't that insomnia home ...
[0:01:02] ... Carol -- the model for about seven. And credit card debt I think at about 40000. ...
[0:01:34] ... you'll be -- the credit card -- it get rid of the credit card debt. Would you then be able to. Live off of the 45 grand including paying for the for the Condit would have. ...
[0:01:45] ... Probably not. Not that it matters but where when I bought my Condo I was lied to by the closing attorney and that's pretty much -- conduct just wanted to do dollars a month which ...
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