Waching daily Jun 4 2018

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For more infomation >> You Will Be Able to Turn Yourself into an Emoji with Apple's Memoji - Duration: 1:48.

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Amazing Cake Decorating Moments Compilation #2 - You will enjoy - Duration: 4:33.

Amazing Moments of Cake Art

Thank you for watching & Don't forget Like, Share & Subcribe If you like it, please.

For more infomation >> Amazing Cake Decorating Moments Compilation #2 - You will enjoy - Duration: 4:33.

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Would you ignore these 7 common symptoms of ovarian cancer - Duration: 5:26.

Would you ignore these 7 common symptoms of ovarian cancer?

It's often described as a 'silent killer, yet figures show there's still a huge lack

of awareness when it comes to recognising the signs of ovarian cancer.

As a result, this deadliest of all gynaecological cancers is often detected late, meaning that

only 46% of women diagnosed with it will survive beyond five years.

To mark March's Ovarian Cancer Awareness Month in the UK, figures released by the research

charity Ovarian Cancer Action (ovarian.org.uk) show that each year, ovarian cancer steals

more than 90,000 years from UK women who die before their time.

While it's far more rare in younger women (around 84% of ovarian cancer cases are in

women aged over 50, and more than half are over-65), it's important to remember that

it can strike at any age.

Though it's not always possible to say why ovarian cancer occurs, there are some known

risk-factors, including genes (women with the BRCA1/2 gene mutation can be at significantly

greater risk, or if two or more close blood relatives have had the disease under the age

of 50).

Women who started their periods particularly early or started menopause quite late, plus

those who've never carried children, may be more likely to develop ovarian cancer too,

along with those with a history of endometriosis.

Research also shows using oestrogen-only or combined HRT can increase a woman's risk

of ovarian cancer (only 1% of cases are linked to HRT but it's a good idea to fully discuss

all the pros and cons with your doctor).

But being aware of the symptoms is vital for all women – and GPs and doctors – as early

diagnosis is the best way to ensure ovarian cancer can be successfully treated.

Part of the problem is, because of their subtle nature, Jo Stanford, cancer prevention officer

at Ovarian Cancer Action, says the symptoms are often mistaken for other conditions, such

as irritable bowel syndrome (IBS), as well as ovarian cysts and polycystic ovaries.

Of course – often the symptoms ARE down to something more common and less sinister,

like IBS, but the important thing is to get them checked out, just in case.

Here are seven potential ovarian cancer symptoms you should never ignore…

1.

Persistent bloating.

This is a common symptom of ovarian cancer.

Bloating might be accompanied by pain or an increased need to pass wind, and isn't affected

by food and medication.

However, it's often mistaken for problems such as IBS, food allergies and gastric infections.

Sometimes the bloating may be visible, and in advanced ovarian cancer, a football-sized

lump may be seen in women's abdomens – it might even look like a pregnancy bump.

2.

Persistent abdominal pain.

This pain will be around the tummy, abdomen and/or pelvic area, and will be constant rather

than intermittent, with no obvious explanation.

Again, this is often mistaken for conditions such as IBS, gastric infections and menstrual

cramps.

3.

Needing to urinate more frequently.

A noticeable increase in how often a woman needs to wee is also a common symptom, as

well as noticing that you need to take multiple trips to the toilet during the night.

There will be no obvious reason for this increase, such as drinking significantly more fluid

than usual.

This symptom can often be misdiagnosed as a urinary tract infection.

4.

Difficulty eating or feeling full more quickly

Eating noticeably less than usual, despite feeling hungry, is another key sign to look

out for.

Women may sit down to eat a meal as normal but feel full much quicker than usual, often

leaving large amounts of food.

This may sometimes be accompanied by a complete loss of appetite, although not always.

5.

Changes in bowel habits

This could be going to the toilet a lot more often, or much less frequently than usual.

You may not necessarily experience extreme constipation or diarrhoea either.

There will be no obvious explanation for this change, such as a change of diet or medication

use.

6.

Extreme tiredness or unexplained weight loss

Look out for a constant feeling of being extremely tired, despite there being no change in lifestyle,

sleep patterns, diet or medications.

Losing a noticeable amount of weight over a short period of time can also be a red flag,

particularly if you haven't made any changes to diet, lifestyle or the amount of food consumed.

7.

Back pain

Pain in the lower back, often mistaken for a pulled muscle or strain, can sometimes be

caused by ovarian cancer.

There will be no obvious reason for the pain and it will persist, rather than improve.

For more infomation >> Would you ignore these 7 common symptoms of ovarian cancer - Duration: 5:26.

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Dwight Lamon Jones: 5 Fast Facts You Need to Know | Heavy.com - Duration: 13:00.

Dwight Lamon Jones: 5 Fast Facts You Need to Know | Heavy.com

Dwight Lamon Jones is the man suspected of carrying out a killing spree in Scottsdale, Arizona, targeting a prominent forensic psychiatrist, two paralegals and a psychologist.

Jones, 56, who was connected to all four victims, was found dead in a hotel Monday after a standoff with police, KPNX-TV reports.

One of the victims was Doctor Steven Pitt, 59, a well-known forensic psychiatrist who had worked with authorities on numerous cases including the death of JonBenet Ramsey and the Columbine High School shooting.

The others have been named as paralegals Veleria Sharp, 48, Laura Anderson, 49 and Marshall Levine, 72.

Police had not named Jones publicly as a suspect prior to raiding a hotel room where he had been staying.

The suspect had been described as a white male, bald, who was wearing a dark hat with a short brim.

Pitt was shot dead on May 31 about 5:30 p.m.

local time outside of his office, Steven Pitt & Associates, on North 71st Street in Scottsdale.

Phoenix Police Sergeant Vince Lewis told the media, "According to witnesses, there was a loud verbal argument heard outside of the offices just before shots were fired.

Phoenix Fire responded and pronounced Dr.

Pitt deceased on the scene.".

Veleria Sharp and Laura Anderson were shot dead at the Law Offices of Burt, Feldman and Grenier, in Old Town Scottsdale on June 1.

On June 2, Marshall Levine, 72, was found dead outside of business.

According to ABC News, forensic evidence has linked all four murders.

Here's what you need to know:.

Jones Had Been Going Through a Lengthy Divorce & His Connections to the 4 Victims Stemmed From That Case.

Dwight Lamont Jones had recently gone through a lengthy divorce from his ex-wife, Connie Jones, and his connections to the four victims stem from that case, KPNX-TV reports, citing sources.

Online records show Jones' wife filed for divorce in 2009 and it was finalized in 2011.

But the case continued on until 2017 because of battles over alimony and custody of the couple's children.

Jones' wife sought an order of protection against him, and psychological and psychiatric evaluations were requested for Jones, according to court records.

Sources told KPNX that the law office was targeted because Jones' wife's attorney, Elizabeth Feldman, worked there.

She is a partner at the firm, Burt, Feldman and Grenier.

She is listed in online records as Connie Jones' attorney.

Two paralegals were killed, but Feldman was not at the office at the time.

According to KPNX, Dr.

Steven Pitt, the first victim, conducted a court-ordered psychiatric evaluation on Jones eight years ago during the divorce case.

And sources told the news station Jones was, or had been, seeing a therapist at the offices where Marshall Levine, the fourth victim, worked.

It is not yet known if Levine was his therapist.

According to his website, Levine provided relationship and divorce counseling.

Dwight Jones represented himself during his divorce case, which was before Judge Kevin Wein, records show.

Tactical Teams Raided Jones' Hotel in Scottsdale Monday Morning & He Opened Fire Before on Them Before Fatally Shooting Himself.

Police tactical teams raided Dwight Jones' hotel in Scottsdale early Monday morning, ABC News reports.

Phoenix Police Sergeant Vince Lewis told reporters at a press conference that they had tracked Jones to the hotel room.

They evacuated people staying in nearby rooms.

"During that operation shots were fired inside the suspects room.

Nobody was injured outside the room," Lewis said.

Multiple shots were fired.

The tactical team then entered the room and found the suspect dead of an apparent self-inflicted gunshot wound.

Lewis said no officers fired shots during the raid.

There was no one else in the room.

"The scene is safe.

We are going to be here at this location investigating," for awhile, Lewis told reporters.

Lewis said they were able to confirm all four homicides were linked through evidence recovered at the three scenes.

"This is a joint investigation between Scottsdale police and Phoenix police," Lewis said, along with assistance from state and federal partners.

#breaking suspect in #Phoenix and #Scottsdale murders has been cornered by police.

LE sources tell me tactical teams raided his hotel, he opened fire.

They gassed his room.

And then they sent in a robot.

Suspect is now dead, likely from self inflicted gunshot more on @GMA @ABC pic.twitter.com/5cz3qQGLbD — Matt Gutman (@mattgutmanABC) June 4, 2018  .

Jones had been at the Extended Stay America near Shea Boulevard and Scottsdale Road.

According to KPNX-TV, the hotel was his last known address.

Sources told KNXV-TV it appeared Jones had been staying at the hotel for some time.

Police had said Sunday night they planned to make major developments in the case Monday.

They were still interviewing witnesses and examining evidence and had not been ready to release a suspect's name.

A witness was able to provide a description of the suspect following the shooting death of Steven Pitt, and police released a sketch based on that description.

On Sunday, Scottsdale-area lawyers said they were taking extra precautions with the suspect still on the loose at that point.

One family law attorney told AZFamily.com many of her colleagues didn't leave their houses during the weekend.

Other attorneys said they planned to avoid their offices on Monday.

"People are fearful, we are fearful," the family law lawyer said, asking to remain anonymous.

"Family law is an extremely emotional area of law.

People are at heightened emotions most of the time.".

She added, "There are several attorneys that I know who are hiring security to be in their offices.

They're looking for off-duty officers, what have you.

There is a lot of fear out there.

I don't think random family law attorneys are the targets here.

However, you can't guess what the motives or actions of someone who is clearly disturbed are going to be.".

Some had criticized the police for not releasing more information.

"We're asking the public to remain vigilant," Scottsdale police spokesman Ben Hoster told reporters on Sunday.

A reward of up to $21,000 had been offered for information leading to the suspect's arrest.

The family law lawyer said the murders had devastated her community.

"I'm not going to stop working.

I'm not going to stop going to court or living my life as normal," she said.

But, she added, "Nobody knows who's next.".

Jones Was Arrested for Assaulting His Wife Shortly Before Their Divorce.

Court records show that Dwight Jones was convicted of domestic violence in case involving his wife that occurred just before she filed for divorce from him, KPNX-TV reports.

Jones was arrested in Scottsdale in May 2009 and charged in Scottsdale Municipal Court with misdemeanor assault, threats and inimidation and disorderly conduct.

He eventually pleaded guilty to disorderly conduct.

Public records show Jones previously lived in Tucson, Arizona from 2004 to 2018.

He also lived in Durham, North Carolina, from 1987 to 2003, and has also lived in several other places, including: Irving, Texas; Joplin, Missouri; Saint Paul, Minnesota; and Fresno, California.

For more infomation >> Dwight Lamon Jones: 5 Fast Facts You Need to Know | Heavy.com - Duration: 13:00.

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Top 5 Fundraising Ideas - Duration: 4:03.

If you are a school or nonprofit that is looking to raise funds and you want to

try something different, stay tuned because today we're breaking

down our Top Five Favorite Fundraising Ideas! yeah! Hi I'm Kristy with Funds2Orgs

And I'm Eric nice to meet you. Many people don't realize that there's

ways to do fundraisers without buying or selling anything. While these can be

effective there are other options that have no cost that could actually work

for your organization way better. Tip 5 Collection Fundraisers companies like

TerraCycle will pay you for everything from candy wrappers to used cell phones

that they then upcycle into new products Tip 4 Loyalty Programs there's a lot of

companies out there that will donate money to a charity your choice if you

collect items from their products. Some of the really popular ones are Box Tops

for Education, Labels for Education or even Loyalty Gator Tip 3 Competitions

All of us are competitive by nature so a lot of schools channel this energy into

classroom competitions such as Class Wars or Grade Wars. One of my favorites

are Penny Wars. Yeah Penny Wars is actually really cool each class puts a

jar in their classroom and they collect change for every penny that's collected

in each classroom is a positive point and any silver change like nickels,

quarters, dimes they're negative points. So the kids put pennies in their own

jars they sneak nickels quarters and dimes into the opposing teams jars. At

the end of the time frame they count up the points and whoever has the most

points wins. Then they get a reward like Pizza Parties, yeah, Pajama Day I love

Pajamas and other stuff like that. #2 Events or Auctions you can do things like a

Cornhole Tournament where people will pay to register and play to enter the

tournament or you can do a Dress a Teacher or Dress a Principal Day where

kids pay a dollar to vote for their favorite celebrity or historical figure

for a teacher a principal to dress for an entire day. That's a fun one --I dressed as

Scooby-Doo for a whole month once. No reason...no reason. Auctions are great because you

can get the whole community involved you ask local businesses to donate something

to be auctioned off for your fundraiser. That's how I got the Scooby Doo costume.

Not only is a great exposure for the businesses you also get free items to

help raise money for your organization. And our NUMBER ONE favorite fundraiser

is Shoe Drive Fundraisers with Funds2Orgs! A Shoe Drive Fundraiser is a

unique fundraiser where you collect gently worn, used and new shoes. So you're

not asking anyone to buy or sell anything they don't want or need, you're

just asking them for what they already have in their closet. Funds2Orgs will

then pay you by the pound for all of the shoes you collect. Not only is this a

green fundraiser because you're helping keep shoes out of landfills. Instead

the shoes go to developing nations where they're sold to small businesses and

Micro-Enterprises to help the community. Not only is this a fun and engaging

fundraiser but it gets the whole community and world involved. It's a

win-win, a win-win! For more information about shoe drive fundraisers

or if you just want tips and tricks on fundraising,

visit our website at www.funds2orgs.com and make sure to subscribe to this channel

once again I'm Kristy and I'm Eric and we'll see you guys next time! Bye! That's

the worst high-five ever. Why are you laughing I did it right?! Dang it.

what is wrong with me? We should make one called Loyalty for Education just because now

(mumbles) in the universe 13 14th times a charm. yes finally!

For more infomation >> Top 5 Fundraising Ideas - Duration: 4:03.

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20+ Hilarious Cat Snapchats That Will Leave You With The Biggest Smile ( Part 2 ) - Duration: 3:31.

For more infomation >> 20+ Hilarious Cat Snapchats That Will Leave You With The Biggest Smile ( Part 2 ) - Duration: 3:31.

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IS YOUR YORK UNIVERSITY DEGREE WORTH ALL THE MONEY? (ARE YOU IN THE RIGHT DEGREE?) - Duration: 5:57.

what's go cheap ass what uh what uh what uh hope you guys been having a great day

hope you guys been having a blessed week and you already know what day it is

today it is Monday we back at it with a new video and yo if you're new just know

we upload every Monday and Friday and if you're all thanks so much for coming

back I really appreciate it and yo today we got a pretty interesting video for

you guys and it's gonna be on whether or not your York University degree is worth

all that money but one thing one thing before we start that video I just want

to say we hit we hit my goal of 200 does that mean the grand scoffs hell no now

we're on the road to 300 we gotta hit 300 subscribers so yo before I start

this video hit that subscribe button down there somewhere man we gotta hit

300 now my goal at 300 my new goal of 300 but you Ola thank you guys so much

for the support we smashed let's get to 300 yo I think that's enough of all the

subscribers stuff should we start the video I think we shall

even though York University is on strike it is hard to believe what I'm about to

say but they do give out degrees so yeah today we're gonna be talking about

whether or not your university or your University for me degree is worth all

that money that we're paying being a university you come across a lot of

students like myself unfortunately you guys are probably wondering like what

type of student at my um where'd you go to school you pick with

agreed that you don't even like a degree that you have no interest in studying

you have no idea what you're in the major or you're simply just doing it to

get that paper at the end of four years the paper that costs around $40,000 or

that paper that you need to impress your parents and tell them look I got this

degree I did not enjoy it it cost me 40 K I'm a being deaf for the rest of my

life but here's the paper but like to go more into detail and like to bring some

light in this video are there ways to avoid having to pay forty thousand

dollars or wasting four years of your life in a degree or in a program that

you don't like something that probably you have no interest in hell yeah there

is that we're gonna talk about that right now if you're in a program that

you absolutely hate it absolutely do not like it's better to save your money and

save your time for me like going to university was a must like because of my

parents and cuz of myself I knew that I was University bound but I did not know

what I wanted to study at and I feel like me being University stuff I'm about

to say I wish I did so the first thing I'm gonna recommend is when you're going

to a university obviously you gonna pick up like with universities you like

you're gonna go on the website and then you're gonna go to the programs and

you're gonna see what programs interest to you what programs that you want to

study what programs that you may like studying and you're gonna think what am

I gonna become being in this program what is my career path gonna be find the

programs that interests you the furnace stick helps you because those are the

programs that you're gonna want to look into those the programs that you may

want to be in once you find the program definitely look deeper into the program

find out which courses you're gonna wanna take what courses are required

what courses you need in order to graduates program and read the

description of these courses the descriptions are very important because

it tells you what you're gonna be learning and honestly if you're reading

the descriptions and you look into it you're like oh I'm not interested in it

at all then maybe you the program is not for you

I mean the descriptions of the courses that are required for the program tell

you a lot about the program a lot of the courses a lot about whether or not

you're gonna be interested in it I wish I did that because I took some courses

in university which I had no idea of what the hell I was doing I'm gonna be

honest though this is not something that you should rush through it's something

you should take your time look at every University look at every program that

interests you look at every course that you need to take you should literally

have a blueprint on how you're gonna graduate which I wish I did

unfortunately I did not and my university degree was a lot harder than

usual something else I wish I did it was by graduates in those programs I wish I

did find graduates in the program that I was in it would have helped me

understand the program a lot more I could have taken an advice from

graduates and learn from their experience and their mistakes this would

have helped me a lot but I guess I would just went straight and lost and confused

in my degree and yeah this caused a lot of problems for me which we'll discuss

like in the last point of this video I guess I'm gonna say please I repeat

please try and stay in one freakin program for myself I started off in a

program that I really hated and the program that I did not do so well in and

this affected my grades this affected me as a person but when I figured out was

when I got switched into another program I actually enjoyed that program more the

reason why I say is try staying in one program is because again it's

time-consuming and it's a lot of money going to waste because if you're going

into another program totally different courses it's really rare and you have to

be extremely lucky for your old courses in the previous program to transfer in

the new program it is very tricky and annoying and difficult you gotta go see

academic advising waste time there and all that so please if you guys can take

my advice to try sticking to one program I seriously hope my info and experiences

help you guys whether or not you're new undergrad whether or not you're

returning undergrad I hope you guys learned something from the video

something positive something that can help you in your future and life as a

student whether you're University or whether you're at any university but I

honestly wish I did what I said in this video it would have helped me a lot more

I would have been more happier I would have wasted so much

money in time I would have cost on the stress on myself so yo hope you guys

like learn something from my experiences but yo end the video right there I hope

you guys enjoyed it thank you so much for coming back and if you're new thank

you so much for taking the time to watch this man like this video if you're

enjoying it like this video if you learned something like damn video for no

reason if you are I don't know but yo hit that subscribe button right now man

let's hit my goal my new goal of 300 subscribers let's hit God man thank you

so much I'll see you guys on Friday in the next video man these juices hit 300

said that sooner or later

For more infomation >> IS YOUR YORK UNIVERSITY DEGREE WORTH ALL THE MONEY? (ARE YOU IN THE RIGHT DEGREE?) - Duration: 5:57.

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Elettronika DAT-6U - How to Replace a Pallet - Duration: 9:44.

For more infomation >> Elettronika DAT-6U - How to Replace a Pallet - Duration: 9:44.

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Where does a non-working spouse's healthcare coverage come from when you retire? - Duration: 9:49.

Let's get started. Question number one is from a guy who lives in Delaware I

didn't copy down his name and I'm not gonna take the time to look right now

his name is let's make it up what are we gonna call him Denny from Delaware I

think of Wayne's World when I think of -- Oh call him Wayne. What was it, Wayne and-

it was Garth Algar Glenn Campbell okay hi I'm in Delaware all right dear

Pete I live in northern Delaware I'm 64 and trying to you know what I'm gonna be

honest I have no idea where Delaware is I mean I do but I don't know in relation

and they jumble out there I know it's not I'm looking it up which is good for

radio and even better on Petetheplanner.tv because you'll probably

get a good shot of my bald spots do you know okay okay we're gonna have a little

quiz here I know we're supposed to be answering financial questions our

executive producer back at the station is gonna probably have what's called a

an air check it has to do with this particular episode which means I get in

trouble all right Nicole Delaware yeah is it

east of Baltimore. No. You're incorrect oh where is it

Nicole is New Jersey east of Delaware no wrong again I told you this is how I you

know what I would get zero of these wrong is-- you'll get zero of them

wrong? yeah all over them wrong okay you know this is a tough one

is New York City north or south of Delaware is it north? New York

City is north of Delaware but I would have said south well absolutely would

have said okay I'm trying to think of where it is in comparison to New Jersey

you know it's always people are like oh the east coast or the elite so unipi

they're rude to the Midwest this is a Midwesterner as you can see by my build

that is being rude to the East Coast right now 'cause I have no idea where

Delaware is but it seems like a lovely place does anyone really have it

we're Indiana is within the Midwest I think I've been to Delaware haven't I

no one cares okay this gentleman is 64 and trying to figure out when to retire

good good glad you emailed the immediate question I have is if my spouse has not

worked sufficient hours to earn Social Security is she still entitled to

Medicare she's considerably younger than me at

age 52 and the gentleman emailing is 64 (yea she is) I feel you pal look at you not

creepy now but you know when you're 24 and she's 12

you're kind of a weirdo do some math that's gross but you know you're grown

man oh well at what point does that stop being gross I don't know 'cause is it like

30 and 18 cuz that still seems a little intense for me because one of the Olsen

twins married to someone significantly older than her too. Have I told you my

Olsen twins story yes you have okay um so she's considerably younger at age 52

and I worry about her getting health coverage between the time I retire

somewhere between 66 and 70 the time she's eligible any thoughts lastly well

I think we have a good mix of owning a home several 401ks some cash and stocks

besides my Social Security who would be the right type of planner to work with

to help me to understand my income and options at age 66 68 and 70 all right uh

Nicole do you want to undo this Hollywood square style where you take a

stab or not so much not so much okay so here's the deal do you know what

Medicare is no all seems like it's the same okay Medicare is it's a social

surface that provides health care for you generally post age 65 okay you pay a

tax on your paycheck that I pay you oh that you earn I shall say every two

weeks when you get paid you pay a tax of Medicare you pay one point four five

percent of your total wages yeah on the first 200 grand of your wages and then

after noon so that's the that's what's up okay so you pay -- you

pay one point four five percent of your salary towards Medicare which will

provide you health care when you turn 65 and there's other points of eligibility

too but I guess the one of the bigger points for this gentleman's question who

were calling Wayne Campbell is that you have to in order to be eligible to

receive Medicare in Social Security for that matter you have to work 40 quarters

or the equivalent of 10 years I always think yeah you know go ahead okay so

question yeah when they say that Social Security won't well run out or that this

will run out how is it run it how does it run out when it's my money that I'm

putting in and I'm 24 how is how is it running out I guess that's my thing is

it's like one of those are other individuals using the money that I'm

paying right oh so look this is where people are gonna get so angry every time

I say what I'm about to say people get angry but I'm just using to describe the

concept if I were to say the p-word on the radio Ponzi scheme a Ponzi scheme

works this way you invest yeah and then you are paid back by other people's

investments not your own money because your own money went to pay someone else

mmm that is by definition of the Ponzi scheme yes your Social Security proceeds

that you're painted account it's not put into a lockbox do you remember you know

that I don't know if you were old enough to remember during the election Al Gore

George Bush back in 2000 there was this big debate over the use of the term

lockbox where Al Gore said he wanted to take your Social Security tax that you

pay which is at this year 6.2 percent on your first hundred twenty eight thousand

dollars and you wanted to take that money and put it into a lockbox for you

Nicole Frankowski and so and so in doing

that then it sort of takes away that Ponzi Ponzi scheme yo yeah but it's not

a Ponzi scheme I just use it to describe it that way

yeah so that is to say Nicole when people say Social Security is running

out of money what it's saying is that it's essentially taking too many current

payers to

fund the recipients retirement

income okay and so it gets carries you will have paid in for 45 years by the

time you're eligible for Social Security and the math doesn't support that

there'll be enough money in there to continue to pay you although it's

considered to be some sort of special obligation that has to be paid and now

I'm way above my pay grade I was just gonna say and now I can't say

anything else because I'm gonna get way too in the week okay so let's actually

answer Wayne's question (okay) so Medicare again is sort of a retirees health care

that they're eligible at generally speaking at 65 however you end up being

married to someone and you did not work 40 quarters but that person worked 40

quarters you get the spousal benefits of both Social Security and Medicare but

you're not eligible for Medicare until you're age 65 so our friend here the

30-year old married an 18 year old oh nope I'm sorry that's a 64 year old married a

52 year old, see, same thing less creepy when he is of age that doesn't mean that

she will get a Social Security -- Medicare right away so when he is 65 he will be

eligible for Medicare Part A and then I'll have to have supplement with Part B

or whatever but she will not be eligible at age 53 she will have to wait until

she is 65 to secure that coverage which is to say the ugliest part of this

answer Nicole and the part why Wayne is gonna be upset is that he and his wife

Garth will have to fund health care out of pocket on the private exchange for 12

years and that's bad I mean that is (that's so heavy) yeah I mean one of the

negative aspects disadvantages of having such an age gap going into retirement is

that where was one person is on Medicare and -- and maybe cycles out of employment

especially if they are the breadwinner then you still must secure health care

for the individual who is not achieved age 65 whether they're a working person

or not now she was a working person which it doesn't sound like she is from

the email or not so much that she has health care benefits then they're

literally gonna have to pay out-of-pocket for 12

years for coverage which is going to be stinking expensive and by the way they

should talk about all this with a financial adviser so they just need to

go to a fee-based financial adviser generally speaking or I happen to like

fee only hourly advisors which we've talked about on this show Nicole what

you're tough to find but Google you found me on the Internet

Wayne so go find the Google machine and Google fee only hourly advisor Delaware

and then and then like (') where's Delaware yesterday for Indiana so you

did yeah you can find him okay so that's that's your answer coming up after the

break intern Aaliyah joins us to understand a

word that so many people actually misunderstand we'll see if she

understands it next right here on the Pete the planner show your money

questions answered.

For more infomation >> Where does a non-working spouse's healthcare coverage come from when you retire? - Duration: 9:49.

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我只對你深情，一輩子只愛一個人的星座 - Duration: 4:48.

For more infomation >> 我只對你深情，一輩子只愛一個人的星座 - Duration: 4:48.

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8 Foods that can Prevent a Stroke - Duration: 8:09.

8 Foods that can Prevent a Stroke

Strokes are the third leading cause of death worldwide, behind only heart disease and cancer.

While it's true that it's impossible to be 100% sure you'll never suffer from a stroke, many studies have shown that leading a healthy lifestyle with the incorporation of certain basic foods in your diet can help prevent a stroke by up to 30%.

It's a worthwhile effort that helps you not only avoid suffering from this disease – it also gives you a better quality of life.

So why not start adding these key foods to your diet today? Pay attention to what they are!.

Foods that help improve the health of your brain.

You might think that the age group that's most likely to suffer from a stroke is those people between 55 and 70 years old.

That's false.

Unfortunately, strokes can occur in younger people just as easily as those who are older.

There is occasionally a genetic or hereditary aspect that shouldn't be overlooked, but a poor diet and a life filled with stress and anxiety will increase your risk of a stroke.

That's why it pays to eat the right things to reduce your risk and enjoy a better quality of life.

Let's find out what foods you should eat every day.

1, Carrots.

According to a 2008 study at Harvard University, eating around five servings of carrots a week could reduce your risk of stroke by 50%.

Although it's important to be a little skeptical of this data, the natural benefits of carrots cannot be denied – this vegetable is rich in antioxidants, preventing the formation of blood clots and promoting good circulation.

It's a good idea to enjoy carrots whenever you can.

2, Brussels sprouts.

Brussels sprouts are rich in potassium and folate, essential nutrients to prevent the buildup of cholesterol in the arteries and eliminate toxins from your body through the urine.

3, Avocados.

All you need to do is eat a half an avocado a day.

They're rich in fatty acids that are good for the brain, like omega-3s, preventing cellular aging and oxidation.

Remember…half an avocado a day!.

4, Tomatoes.

Tomatoes are a natural source of antioxidants like lycopene, which is known to help prevent strokes thanks to their ability to reduce blood pressure and improve circulation.

It's all related to a substance known as homocysteine, which is associated with a higher risk for suffering a stroke.

5, Sardines in oil.

It's a good idea to eat these twice a week.

Why? Sardines are a natural source of healthy fats, calcium, and vitamin D.

They protect your brain naturally, although there is one thing you should know: If you open a tin of sardines and don't finish them, don't ever store them in the original can.

Transfer them into a glass container or anything other than metal.

6,Melons and watermelon.

Both of these fruits have a very high water content and are rich in minerals and antioxidants.

They're low in sodium, making them perfect for reducing cholesterol levels and avoiding atherosclerosis.

Be sure you try to incorporate a bowl of watermelon or cantaloupe every day.

7, Green tea.

You should never stop drinking that daily cup of green tea.

It's a rich natural source of antioxidants, polyphenols, as well as essential compounds that help reduce cholesterol and fight the cognitive aging process.

To get the most benefits from your green tea, remember to consume it 20 minutes after your meals.

8,Oats.

When eaten for breakfast, oatmeal can help reduce blood sugar levels and keep the bad cholesterol, or LDL, at bay.

Don't forget that oats are also excellent for reducing stress and giving your brain critical nutrients like zinc and iron.

Why not start off your day with a bowl of oatmeal?.

Important things to remember about your stroke risk.

While the foods we described above may help reduce your risk of suffering a stroke between 30 to 50%, it's important that you also consider these aspects:.

You should have a balanced and varied diet.

You don't want to eat the same things every day of the year, but rather to creatively combine foods.

For example, as Ly M.

Steffen, an epidemiologist at the University of Minnesota, as explained, eating three pieces of fruit, plus three vegetables, can help you avoid suffering a stroke more than limiting yourself to just five pieces of fruit and no vegetables.

Don't think that in order to avoid certain diseases that you have to completely restrict what you eat.

Definitely not.

You should be eating "healthy fats" like olive oil to protect the health of your brain.

Last but not least, control your stress and everyday situations.

Try not to live a life where you forgot to fight your sedentary lifestyle and lose your intellectual curiosity and positive emotions from day to day.

For more infomation >> 8 Foods that can Prevent a Stroke - Duration: 8:09.

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Who Will Rock You | Episode 5 Promo | Topgolf - Duration: 1:00.

For more infomation >> Who Will Rock You | Episode 5 Promo | Topgolf - Duration: 1:00.

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Dried Fruit Strengthens Bones and Fights Fatigue - Duration: 8:42.

Dried Fruit Strengthens Bones and Fights Fatigue

Dried fruit is a healthy and delicious option that you should never miss in your diet.

In spite of the fact that the water content has been removed during the dehydration process, it provides a lot of minerals and proteins that are perfect for helping you start the day with lots of energy.

How could you resist it? Dried fruit is a great choice for breakfast, helping to prevent constipation and strengthen the bones thanks to its high content of calcium and zinc.

Dried fruit is a great ally for your health, as long as you consume it in moderation.

In today's article we'll give you all the information you need so you can benefit the most from choosing dried fruit.

Will dried fruit make you gain weight?.

This is probably the first question you have.

Why? There are plenty of people who avoid eating dried fruit because they think it contains a lot of sugar.

While there is a slightly higher content of sugar in dried fruit compared to fresh (think of raisins), when you dehydrate the fruit you wind up with a much higher concentration of nutrients like vitamins and minerals, making it a healthy resource you shouldn't miss out on.

To better understand the benefits of dried fruit, pay attention to the following information:.

Dehydrated foods contain lots of nutrients and provide four times more energy than fresh foods.

Dried fruit is much more easily digested and it's also very satisfying.

This means you need to consume far less dried fruit to feel full.

Lots of people include dried fruit in their diets: they promote good digestion and just 100 grams a day can fill you up, giving you energy and helping you avoid snacking between meals.

The secret to benefiting from dried fruit is to eat the right amount (100 grams per day).

That gives you the basic nutrients your body and bones need, and also fights chronic fatigue.

The benefits of dried fruit for bones.

Not long ago we told you how eating dried figs can help treat osteoporosis.

This is an important fact to keep in mind, especially if you're a woman because we usually suffer greater loss of bone density as we age.

Dried fruit is a healthy addition to your diet, starting with prunes, dates, apricots, or berries.

They're all delicious! In addition to that, they're an excellent addition to your breakfast, pairing well with any recipes or meat dishes.

Are you ready to find out everything that dried fruit can do for you?.

Dried fruit is a natural source of iron, calcium, magnesium, and zinc, a treasure trove of nutrients for your bones to help fight osteoporosis.

It prevents some degenerative diseases thanks to its high content of vitamins E, C, and antioxidants.

It improves digestion, cares for your intestines, and prevents the accumulation of toxins and other harmful substances in the body.

Dried fruit is a natural source of potassium and B complex vitamins, also ideal for bone care.

It doesn't contain sodium and is rich in micronutrients, helping to reduce blood pressure.

Dried fruit is high in healthy fats, like omega-3 and omega-6.

It's ideal for fighting anxiety and suppressing appetite.

Given its high level of nutrients, many athletes often add dried fruit to their diets for added energy and improved physical performance.

Dried fruit is usually considered to be a treat filled with "energy and a positive outlook," ideal for women who are entering menopause and feel more tired or depressed than before.

In addition to that, this is the time when you suffer from a loss of calcium from your bones, so it's important that you eat around 100 grams of dried figs a day – these are especially rich in calcium.

The best dried fruit you can eat.

As we said above, the appropriate amount of dried fruit you should eat a day is around 100 grams, more or less what will fit in the palm of your hand.

You can vary your selection based on your tastes and needs, but dried fruit is an excellent snack between meals and also adds an original touch to your normal meals.

Regardless, dried fruit is always a natural resource that will improve your health and it's definitely worth consuming in moderation.

Now let's see what some of the best options are.

1, Dried figs.

Dried figs strengthen the bones and are also excellent laxatives.

A good time to consume them is with breakfast along with some almonds.

They are delicious and provide a natural cocktail of energy, calcium, and magnesium.

2, Prunes.

Prunes are rich in fiber and an excellent way to fight constipation.

Prunes also contain high levels of iron and B complex vitamins.

3, Dates.

Dates bring a variety of miners like iron and magnesium to the table, as well as vitamins (mainly A and B complex vitamins).

Dates are great for increasing your concentration levels and mental agility.

In addition to that, dates are rich in magnesium and calcium, helping you sleep better at night.

Do you know when you should eat them? Try consuming five dates half an hour before you go to bed.

4,Dried cranberries.

Dried cranberries are the best option for regulating cholesterol levels and improving your heart health, while providing lots of benefits from their high levels of antioxidants.

What's the best way to eat them? With a tasty bowl of oatmeal or mixed in with some plain yogurt.

They're delicious!.

For more infomation >> Dried Fruit Strengthens Bones and Fights Fatigue - Duration: 8:42.

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أطيب مقلوبه فلسطينية راح تاكلوها بحياتكم | The best Maqlobs you will ever eat | Palestinian Maqlobs - Duration: 3:49.

Assalamu Alaykum, Today I'm going to show you how to make Maqluba the Palestinian way :)

Here I have chicken thighs. I have cleaned, washed, and soaked them with water and vinegar for 10 minutes.

The spices I'm going to add are: 3 cinnamon sticks

And 4 whole cloves

And 5 whole cardamom

Also add some bay leaves.

And 6 whole black pepper

I'm going to add water and let it boil on high heat for 35 minutes.

Once the water starts to boil add the salt.

And now the chicken is ready.

Once we are done with the chicken start getting the vegetables ready.

Here I have three medium potatoes cut into circles and fried.

And I also have one medium eggplant cut into thin circles.

And half a cauliflower.

And two big carrots cut into circles.

On high heat, add vegetable oil and two cups of vermicelli.

I washed two cups and a half of rice and soaked them for about 10 minutes.

After draining the rice, add your vermicelli.

And 1 TSP of turmeric.

And 1 TSP of cumin.

And 3/4 of TSP of grounded cinnamon.

Mix all of those ingredients together.

In a pot, add a little bit of vegetable oil and add the chicken.

And the potatoes.

And the eggplant.

And the cauliflower.

And the carrots.

And then add the rice.

Press the rice with a plate and add 9 cups of the chicken stock.

Don't cover the pot until you see the rice.

Once there is no water on the surface and the rice is visible, cover the pot and put it on medium heat.

Once the water has evaporated remove the dish.

Cover, and put it on low heat until there is no more water in the pot and the rice is cooked.

And if you want to make sure that there is no more water, stick a knife in the rice like how I'm doing and if it comes out dry (no water stuck to it) then its ready.

And this is the final look, I hope you guys liked the recipe.

Don't forget to subscribe to my channel, and inshallah I will see you very soon in the best of health.

For more infomation >> أطيب مقلوبه فلسطينية راح تاكلوها بحياتكم | The best Maqlobs you will ever eat | Palestinian Maqlobs - Duration: 3:49.

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EPIC, ALPS EPIC | Mountain biking the Alps Epic Trail - Jakobshorn to Sertig (part 1) - Duration: 7:27.

For more infomation >> EPIC, ALPS EPIC | Mountain biking the Alps Epic Trail - Jakobshorn to Sertig (part 1) - Duration: 7:27.

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Nate + Jeremiah for Living Spaces - Duration: 0:31.

As Designers, we believe inspiration can be found all around, from the places you go,

to the people you meet.

We're partnering with Living Spaces to take you on a journey that connects you, your home,

and your experiences, bringing the moments that move you to life.

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Come and shop our curated rooms, only at Living Spaces.

For more infomation >> Nate + Jeremiah for Living Spaces - Duration: 0:31.

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Chris Giardina: 5 Fast Facts You Need to Know | Heavy.com - Duration: 10:09.

Chris Giardina: 5 Fast Facts You Need to Know | Heavy.com

Twitter Video shows Chris Giardina, 29, unleashing an expletive-laden string of epithets, including the n-word, at a bouncer and another man outside of a Brooklyn bar.

A Brooklyn real estate agent was caught on video threatening to "bury" a black bouncer while spewing racial slurs at the man in front of a Bushwick bar early Friday morning.

"Touch me again you f—ing n—-r," Boston-area native Chris Giardina can be heard shouting during the cell phone video.

Giardina, 29, is accused of hurling the n-word at a bouncer after an expletive-laden video of an argument that surfaced last week outside Wyckoff Avenue performance space The House of Yes, according to the New York Post.

Then he turns to a man shooting footage of the incident and shouts more racial obscenities: "Yeah I said it, 'cause he's punching me you f—ing s–c.

Here's what you need to know about Giardina:.

Giardina Allegedly Unleashed a Torrent of Racial Expletives After Accusing the Bouncer of Punching Him.

Giardina alleged that the bouncer struck Giardina in the face for exiting out the wrong door.

He was on the phone with police threatening to "bury" him for the assault.

"Get a cop here now or I'm going to end up burying this black guy," Giardina shouts into the phone.

He continues screaming, swearing and hurling racial slurs, while continuously telling police that he was going to "bury" and/or kill somebody.

The video is approximately six minutes long, with Giardina shouting through most of it.

"I will bury you," he repeatedly screams at the bouncer.

"You hit me in the face like a dirty, f—ing black person.

You'll lose your job and you'll lose your house.

Trust me.".

Pointing at the cameraman and bouncer, he exclaimed, "I hate ignorant people.

Sp-c—ignorant. Black—ignorant.

You're the n-gger.".

He Claims He Was Drunk During the Incident & is Not a Racist, Just an Idiot, for Using Slurs.

The New York Post reached out to Giardina Sunday, who claimed he is not a racist because someone else used the n-word first.

"The word that I used, that I'm embarrassed by using, was being thrown around the entire time.

It was already in the air," he told The Post during a phone interview.

"It doesn't make me a racist; it makes me an idiot.".

He said he couldn't recall anyone else using the slur against Latinos, although he is clearly heard calling the person holding the camera a "dumb f—ing s–c.

" Not long after, he starts shouting "dude, s–c, go away s–c.

Giardina claims he was drunk at the time, but also says the video was "manipulated" to make him look bad.

He says that the crowd outside the bar was "actually on my side" until he started dropping racial insults, according to the Post.

Both men on the receiving end of Giardina's racist tirade remained unmoved throughout the ordeal.

"This is America," said the person filming.

"We're better than this.".

Giardina Worked as a Real Estate Agent for the Hipster Apartment Broker MySpace NYC.

"Some companies like to tell you that they've been around the block a few times.

Here at MySpace NYC, we are the block.

We are Brooklyn.

With diligence, confidence, and drive, our agents here at MySpace NYC are guaranteed to not only help you find the perfect apartment, but to show you that Brooklyn, truly, is where you belong.".

MySpace NYC fired Giardina over the video, according to principal broker Shawn Mullahy, the Post reports.

"I was very disappointed in the video to say the least," Mullahy told The Post.

"I was embarrassed and saddened by it.

It's not in line with the company culture or values.".

The brokerage has lost several agents in the past few years.

MySpace saw the sharpest decline in agent count among Brooklyn brokerages from June 14, 2016 to February 20, 2018, according to a recent analysis by The Real Deal.

The company lost 63 agents, representing a 44 percent drop, the Real Deal reports.

Giardina Would Leave Bottles of Tequila and Birthday Cards for Renters When He Was a Broker.

Had Giardina kept his job with MySpace NYC, he may have had a harder time finding people to rent through him.

His renter's profile on Naked Apartments is starting to flood with people calling him a "racist pos" with links to the video in the review.

"How many times calling people "n****r" or "sp*c* or "dirty black person" is acceptable? If you say less than 15, find another realtor," one review stated.

However, there are a plethora of good reviews among the bad, claiming that Giardina would leave a bottle of tequila for new renters after signing the lease, as well as sending birthday cards to his renters.

"We have rented an apartment from Chris 3 years in a row and love how hard he works for us and keeps putting us in the best apartments! The bottle of tequila waiting at our new apartment is always a good touch along with the birthday cards every year! If you want a broker to spend time in your search, make things easier and to become a friend, work with him.

Thanks Chris!".

There are other reviews claiming that Giardina was a great broker, taking the time to really help renters find the right place, always readily available to answer any and all questions, and was considered an all-around excellent broker.

Giardina was Escorted Out of House of Yes Due to His Aggressive Behavior Toward Another Security Guard Inside the Building.

Jacqui Rabkin, a marketing director at House of Yes, told Gothamist, "We are deeply appreciative of the way [the bouncer] kept his composure while the aggressive patron was hurling racial slurs at him, and we feel he acted fully within his rights throughout the interaction.

"We feel we made the right move escorting this patron out of our venue when he became aggressive and engaged in name-calling towards a different security guard indoors, and that decision was validated when we saw how his behavior escalated outdoors," she added.

The video ends shortly after police arrive on the scene.

According to Rabkin, the cops asked the bouncer if he wanted to press charges, and "he replied that his only desire was for everyone to get home safely and he did not want to waste the emergency unit's valuable time.".

For more infomation >> Chris Giardina: 5 Fast Facts You Need to Know | Heavy.com - Duration: 10:09.

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"Should you use extra funds to pay off your mortgage or invest?" - Duration: 10:13.

Here on the show: Hello Pete. Nicole I notice we did not put the people's names

on the segment did I not send those. I don't know. Hello Pete,

I currently have a 30-year fixed-rate loan on a single-family home, Aaliyah what

is another name for a 30-year fixed-rate loan?

A mortgage! That's right in the amount of four hundred and three thousand

dollars I just retired at age 69 last year I sold my other house and have a

net profit of five hundred and fifty thousand dollars. This guys writing is

really sing-songy. Is it not? It is. I kind of like it though. Like, the

sentence length is the same I just retired at age 69 last year I sold my

other house at five hundred and fifty thousand dollars should I pay off my

current mortgage or invest the money I would appreciate any advise. Frank

hit the mic on there what did you say there? No, oh that's true, maybe he's a

euro is that rude is that a like a pejorative for Europeans call me euro I

don't know okay so we'll call this guy Gary. Gary, sold a home for five

hundred fifty thousand dollars at least that's his net profit and he owes four

hundred and three thousand on his current mortgage. He's retired at age 69

what should he do? This is very similar to a question that our lead financial

concierge Damian answered at PetethePlanner.com, our blog this week Nicole I

assume you saw that I did you helped put that into the newsletter this week which

people can sign up for PetethePlanner.com (please) we just say it's a free

newsletter is that implied I don't know you know there are a lot of like paid

investment newsletter yeah and there's like I don't know it's like a webinar

let's be weird here if someone were to be charged for our newsletter which to

get 52 of them what do you think that what would we charge a year for people

to get that information Gmail worth $1 I don't know I mean no

offense but I know you write them and they're great in all thank you I

would say I like them but I don't I don't even know if I would pay for

things like investment newsletters tube-like Oh will this all make much

money on these investments our newsletters they're clever right let us

spit some knowledge at you what do you think Frank I mean what do you think of

guys there's a lot of ifs ands or buts here I don't think there's a straight

way to answer this question although I'm going to go ahead and say anyone who

moved from a home in which their net profit is over half a million dollars

and is able to secure a new loan a four hundred and three thousand without the

use of the other half million is it fair to gUess, Nicole that they're doing aight.

They're doing fine right so I don't know if it's gonna matter one way or the

other. I'm guessing this person's mortgage

payment is, I without knowing property taxes and insurance thirty five hundred

dollars a month or so thirty five to four thousand dollars a month yeah

probably 3,500 based on interest rate but I would also say 30-year fixed-rate

mortgage my man will be ninety nine by the time the home is paid off and so

that means he's going to end with a 30-year mortgage be paying a lot of

interest him to refinance that and get that down to fifteen and then just pay

it off and be done with it yeah I mean why keep paying on something

when you have no more income coming well here here's how you would you're

very close if not 100% accurate here because this is how you generally

measure should I pay off a loan versus keep the money as an asset or an

investment yeah you take the interest that you're paying on the loan and you

compare it to the interest that you would be getting on the investment so I

don't know let's test Aaliyah some more. Intern Aaliyah how much money do you what

interest rate do you think you would get if you go to your bank and put money in

your savings account how much interest would they pay you for keeping money

there okay so not much okay so it's less about less than one percent right now

now Nicole you might know this mortgage rates right now I mean a 30-year fixed

is about four percent yeah okay actually actually I'm wrong

like current rates like 4.75 well let's just say this guy's got 4% if you get to

borrow money at four and you're only earning money at one Nicole should you

pay off the mortgage or should you keep the mortgage and take the 1% you're

getting with your money no pay it off 'cause you're paying more -- you're paying

more you're gaining more interest on what you owe rather than earning more

interest on what you already have in the bank all things being equal that is true

there's absolutely true so generally that is how you decide whether to

liquidate an asset based on the rate of return it's getting vs. I am using it to

pay off a debt versus just keeping the debt and paying on it and paying on that

interest rate so that that's how you would evaluate that but here's the

factor what I think could make more sense is at least try to if he doesn't

want to wipe it out it won't one full swoop of four hundred and three thousand

dollars to five hundred fifty thousand dollars in net proceeds assuming he's

already set money aside for taxes if he has them capital gains taxes on that

other house because you do know if you sell a secondary residence it's not your

principal residence your primary residence you can owe tax on the growth

of that asset Nicole that's one of the more frustrating things people have a

second home or vacation or whatever they sell it and they're like oh good now

I've got 150,000 bucks no you don't gotta pay Uncle Sam I don't Lea will

talk about Nicole and I did a but a couple months ago did we we did a tax

episode Oh in which we talked about all the sort of different taxes that you're

going to be exposed to in your life I think one of the more frustrating things

is when you get into property ownership and your responsibilities to the to the

government to the municipality revolving around that asset like you sold it. It

grew in value because you invested in it but you then owe tax because it went up

in value when you sell it I mean that's a frustrating concept yeah. I know some

people what they try to do to pay off their mortgage faster with their second

home when they're not there they'll rent it out on like Airbnb or like VRBO stuff

like that til they can pay off the mortgage look at that it's the sharing

economy that's what they call it yeah I-I don't know if we should do a

full segment on the sharing economy Airbnb would you and the boy ever

Airbnb your-your little bungalow there Frank no yeah I wouldn't either like I

don't want people up in my stuff right I don't need anyone else sleep I don't

know this is your vacation we'll do that I mean we do was it VRBO at all yeah we

do that for vacation we go down to Hilton Head we're just staying some

dudes house and I look through their drawers he doesn't keep his undies are

there anything but that's a vacation home yeah because you're on an island

like that I feel like that's one thing if that's how you want to cash flow

that but just your home I don't want people like here's the two things that

bothered me the most and this is maybe says a lot about me number one I don't

want people like in my underwear drawer which sounds like there's something

weird going on in there okay so maybe that's just more representative snooping

around my stuff but number two I don't want people using my spoons. Like forks, I

don't know because the more teeth activity like a spoon like you're you're

intimate with that spoon trying to get the peanut butter off or whatever you're

consuming and I feel like I don't want to be intimate with that same spoon like

I'm sure like what's uh what's a dishwasher detergent Comet yeah

comets probably pretty great but can it Desanitize the intimacy of a spoon I

have to bring all my silverware to like when I go to a suite? what kind of suites

are you going to? It was in South Padre for this past spring break me my friends

went down there and then like it was like a suite ...oh I would never use a

utensil at a hotel room. Well like they have like a maid service please

bougie Spring Break it really was I have to admit I saved a lot of money for

it spring bougie as they call it no one calls it that so anyway uh what do we

call this guy Gary Gary I think you it really depends on how you plan to invest

that five hundred fifty thousand dollars if you plan on putting it into the

market or something that has a higher fixed rate than what you're paying on

your mortgage then don't pay off your mortgage I think probably the more

sensible thing to do would be to take some of the five fifty pay down the

mortgage a bit and then tighten up the loan terms so

that you can decrease the amount of interest your pain not only because

you're paying less or you've borrowed less money because you've paid down that

loan but because the rate itself is lower those are the two ways that you

pay less mortgage interest you you decrease your loan from 403 to say two

hundred and three and then instead of paying four point seven five percent

because Aaliyah just so you know when you go from a 30-year mortgage to a 15-year

mortgage since you're borrowing money over a shorter period of time it costs

less to borrow that money so it's usually what we call about 75 basis

points last which means 0.75 percent less so if if to borrow money for

30-year mortgage they charge you for every outstanding dollar they charge you

four point seven five percent then they would charge you four percent on a

15-year mortgage instead of a 30-year mortgage yeah I just I'm just dropping

the K-knowledge here's what we're gonna do speaking of dropping to K-knowledge we're

gonna come back after the break and do biggest waste of money of the week if

you want to hear your question on next week's show or at Petetheplanner.tv go to

askpete@petetheplanner.com ask your questions Frank will grab it put in

the show and boom BAM boom at least we're not talking to you on the air all

right coming up after the break biggest waste of money the week I'm Pete the

planner.