Rates 1-22-08

" And now it's time. Norma Holloway and cars show you think Bill Clinton was our first. Black president. You know I I would have to you know. Investigate war you know mills dancing ability isn't. Some lose some stuff before I accurately judge whether he was in fact they're -- Ian love this show that's on radio."

" You talk about Ronald Reagan be at transforming a political leaders I did not mention his name. Yeah well I'm here people that long ago."

" The most expensive car on how little time how little orange trash."

" Banks have immediately lowered their prime lending rates today as a result of the Fed to move BankAmerica leading the way back americorps the same company. Dad had dismal earnings down 95% in the latest period."

" If you have long term investor just hold on get the white knuckles hold on for the ride and then waited out now how yeah used -- Yeah yeah."

" Yikes -- powered -- WRKO radio network. Why the 877469432218774694322. That is the toll free number about how we are sure if you click the join us here this afternoon 18774694322. They've they've they've changed to blow up. They've they've changed at like -- Wall Street's wild line. You know whether saying that happy that's because it hasn't gone down as much as they were counting on dammit to Jack up their ratings. That they want the American economy to -- they they just went their -- ago. Eleven person all they -- just thinking this was going to be their Katrina. The 9/11 and the only have a David -- the panic of all let's stop and it's yet better mouse and it's better. But he the headphones were lost here but it's with looks like you know. -- of their fixed -- fixed now we just do something about the lights. I know I know we had ordered that witnesses off to India to get the to get the lights that that are -- but anyway the it started it started off exciting and then it that it kind of faded away Bennett now -- like Tom Brady's leg injury where his foot injury right. It looked like it was going to be a big topic for awhile but the now it's a kind of -- Jump down a little bit. They still have a dog -- S&P down sixteen point 5% from October -- Nasdaq down 20% from October anyway will be talking about this for awhile will be talking about the situation in Florida with the candidates and and and Hillary Clinton in the -- rock Obama throwing mud pies at one another. But it that the."

" Toll free number if you would like to join us here on the Howie -- show is 1877. 469432218774694322 if you would like to. Two were check out the website -- though listen to the show on the that you can do so for the entire four hours the matter howl -- portly the signal comes in where every war he almost go to Howie -- dot com Howie Carr. Dot com. And click on -- audio streaming and you could also find out where to order yourself via -- read -- bumper sticker it's all right there. And we also heavily on the website tell you how to get an absentee ballot in the state of Massachusetts there now available all cities and towns town halls in the commonwealth. And you -- just go to you can go if you if you don't think you're going to be around. On February 5 which is super Tuesday that's the -- we vote two weeks from today. You can go down to -- your local city -- town hall and vote right now. Or you can right right in request a ballot you'd just be sure though you put them up. He put down which party you would like you're like your ballot if you're in the pan hurriedly to change your registration the easiest way to figure at all as to go to war on our website how we cart dot com we have linked to the secretary of state's office that you all the information you need but again if you if you. You have your like a salesman or something and you -- you gotta make a rotten. 21 you know to -- fairly distant location. On on Tuesday. February fill up I mean you might just do what now goes. You never know the could be two inches of snow and that that means the department of public works here in the commonwealth level heart attack and might take it fifteen hours ago. So -- Better safe than sorry as they say. 18774694322 how we cart dot com to check out -- vote absentee -- that would -- the -- signature -- and bumper -- From the show if you just want some stamped self addressed envelope get the address there. The end. He also think partner daily Internet poll question. And as you know Fred Thompson as you probably know Fred Thompson has pulled out of the fight."

" You never really keen all of those Fred hats on the you know you know if you looked -- people who -- blogging a bottom that the world on his team can probably get to be like number humor he had -- Paul running them one -- on the Internet. But when you were given to the real world. There's not much happens -- So although I must say he did take a real -- out of out of Huckleberry Hound on Saturday night which -- and I appreciate. And now it now looks like the the big pond between now Huckleberry Hound John McCain is breaking down. Chuck Norris at that I that the John McCain made may -- tool to be president may be to openly president."

" OK but anyway we're get to that sit we have a poll question about the next candidate the dropouts -- what is the poll question and one of the results thus far."

" Fred Thompson is dropping out of the president stories which of the following will be the next campaign trail casualty -- Giuliani and ports must say Giuliani. Giuliani's last place at two point 5% Edwards is the current front runner at 43% and Huckabee is at 32% -- Giuliani person."

" Via I looked at Edwards. It's like Kucinich. We're paying for his campaign -- now the what is somebody else is paying for your campaign. What's that you think is gonna go he's got -- he wants that all of the Chapel Hill what that woman he allegedly knocked up according to the national enquirer anyway is living there and failed policy and it is also living in Chapel Hill -- I want it only Chapel Hill if I were him because Gosling is going to be as long as possible because what they'll do its economic and offered by -- assuming -- at your ass out so that right. He's -- he's devoted his life. In poverty -- For groups. First the other poverty of adult life that's as far as he's gotten so far but you know maybe -- they live in poverty and everybody else's lives who knows."

" Black boy a Breck girl whatever the hell you want to call the idiot."

" The silky pony that's what they called sometimes there was well. Anyway I think it's going to be Giuliani not that he's going anywhere from the next couple weeks by the you know he's behind he's behind in new York New Jersey Connecticut -- well Giuliani said. I hope that -- world. And two. -- yeah again. Okay but first -- to talk about the -- the market the that the the collapse of the -- markets overseas and the the the near collapse today what happened of course was that the -- that the Fed intervened -- cut the primary the idea. By set point by three quarters of a percentage point or to be really -- and CNBC likened fox business channel like you have to say 75 basis points. It's a really cool that's a really cool to say. Three quarters of a percent it'll say that that's like saying in football terminology inside the twenty aren't like you know say that anymore. It's inside the reds -- right so they cut -- idea by 75 basis points and things of kind of popped back. But you know the question is I mean what do what do you what do you do when you are you are you concerned about this do you have you have some worries. But guy last week the 38 -- closely that bottom who called him and said that he couldn't he just can't take it anymore and of -- this this this relentless loss. But that he suffers every day in the markets it -- this 41 K so we moved everything into the money markets. -- think about that. Yeah and I don't might get a myself I mean I've moved everything into war. As of December 31 I switched everything around discussed priest that guy is twenty years there almost twenty years younger than me. So he's got more time to come back but you. You know the thing -- I was also thinking that it's like the Internet you know the it -- changed everything it changed newspapers changed radio it's it's. Every it's also -- change for one case because he used debate. That you get you get quarterly statement. That was in you by about that again I'm showing my age here but IE you know you'd get the quarterly statement and you look at over pretty closely because that was the only time you could release I mean you -- look in the."

" Papers and see every day you know one day what was happening and -- to your mutual funds. But you week you know -- that you can't really tell much data today. But now while you -- do was go onto the Internet every night at 830 years so they that you've got how what you did that day. And it's just one of these it's one of these things that you get public can become habit like. Like so many other things on the Internet. It so you check it out and you could and you could just see the stock being pounded every day it what you what you bid 41 K four. Five years or so I mean could. It could be pretty significant what shall lose every day you know and I mean it's an an ganymede purely -- you shouldn't look at it that way I mean not not the sound like Jim Glassman author of that famous book. Now 36000 -- like -- how's your theory come along gym class and by the -- now 36000 but. The fact is. You know you what you get concerned when you whoa when you see the your run your portfolio -- AB day after day after day image whereas if you put everything in a money market you know it doesn't doesn't go up a lot. But at the end of every month that a -- couple hundred bucks when you get your interest. So like I -- I certainly understand what the guys go. 1877469432 to try to move all my money and today -- took the money markets. That I did an -- most of it in the I moved it into something colony was again going to be and guard ambien guard plan through her. And they believe they now have these things you know when you plan to retire when he fifteen or 20202025 selected 2020. And the night in and it's like half bonds and and money markets and half like just overall investment in the stock fund. So why you know put 40% there in the -- the rest of it goes in the money market some through taken risks. The mora international growth funds for me. The -- small cap emerging market type things I just I just can't I can't take it anymore. -- first the first place Bob Ryan and selling stocks individually now I don't -- now I'm just keep channel like sliding out of stock funds altogether. All of the herald story -- there was little -- that truck you have to rights has called for the for the herald the Sunday herald. But financial advice and he said that he said if you bought it -- was real estate investment trust in the last year you've probably lost some money. So no kidding chuck thanks for the -- I bought yeah I bought some but it it's been like he hadn't."

" Two to greatly as the ones my two -- is now worth like fifteen -- box that's Sox. The good do that that's the bad there's the good news is it's. Two it was to grandma had but he says hang onto what choice the that's like about these realist -- these these people advice headed on to stuffed. 18774694322 what are you don't want to you concerned about this are important not 18774694322 much more interest in what's happened was they actually you know -- the stock market just because. Just as by wife isn't real estate and a owned up property and just that just seems like it's mora it's more significant to me personally."

" And zero new jobs. That's the only thing."

" Yeah they encrypt by the way they had cream -- right at 930 you know they they get they they thought they thought this was going to be nine elevenths. They have for -- Wall Street they they had Kramer was ready to go he was ready to jump up and down that scream and yell but. He went away soon end in the when Erin Erin Burnett went away I went away though much side. I never I brought bread and butter in the gossip column by never saw Marcus like most people I have one agency said CNBC much lately. But I would watch it today and I thought well. Money honey you better get back from Dave -- aware of York is you you this is. This one of those Wally Pip Lou Gehrig most accurate or had the potential to via if the if the pits detailed -- it continues. Tom your next with how we cargo ahead --"

" They how late -- saying every correct number one every correction leads to opportunities for someone. So you just gotta find those opportunities."

" You saw that one of those Karl Rove lookalike Tsotsi had been seeded."

" And number and number two you know legal. It was all the not a has like at the debate last night knowledge talked about what. Powell all around the world we need to rebuild our reputation. But I heard this morning was was that all these countries all this stock markets around the world. We're going down because of our economy but if our economy is running the whole world. We have to rebuild our reputation."

" If there was ever a a disconnect between reality of rhetoric that that was that debate last night wasn't it. Our other -- about Barack Obama as votes in the Illinois State seven. It would it would yeah president yep his president -- went. Who will be you know everybody like everybody on edge say. The market could go about a thousand points tomorrow at Hillary Clinton thinks she's got a big points with the that the fact that he voted present in the Illinois State --"

" Yeah I heard about it I urge you -- Russia earlier who said they can't the DNC is all the all these guys they can't talk about the other awards. I guess they're leaving out permit -- me or for John McCain to bill."

" Expressed thanks for the call -- 187746 -- 4322187 the labor and faculties retreads the that this woman from Goldman Sachs -- member name but she was that she was promoting the hell out of out of that dot com stocks back in the year 2000. And how does that work out. But she's back. Now she's we're supposed -- believer now that that she knows everything is that everything is going on this is why. This why just don't have too much stomach for being in the stock market anymore. 18774694322 -- with how we -- ross'."

" I get a kick out of they Washington on out of salt jockeying for position trying to make people think that don't sound like. You know it's called energy independence you know took a -- three and a half he has to -- world what tool and our enemies were much stronger and we were. When we get into -- war and and we won that -- and -- is because America had a purpose and that was waiting. And."

" If there was no there was no was it real second guess I mean people that second guessed but they kept their second guesses to themselves."

" And right here in Massachusetts whoever follows dirty bastards preventing the wedding bells from going up the advocates now."

" Those -- did you remedy specific dirty drunken bastards that mind."

" Yeah he's he's on the top the list. And then for the rest of the church that won't let us to continue to drill upn and collapse."

" That would be that that would be a certain personal won a primary on Saturday night in the set -- but -- them. Under the mason Dixon line."

" our right this yeah and the other thing as -- you know if they'd give me a deal and said you know. Catcher and every -- bill and half but we want to build a nuclear power plant Austria I was they construct construction tomorrow."

" What are they just read rebuilt the Plymouth nuclear power plant. Would that be something there is something it would not be a good thing for the state if we're going to have the the wind turbines way I think we need some kind of alternative energy plan for the commonwealth of Massachusetts we Ross I'm gonna suggest the reopening the Plymouth nuclear plant."

" The lobsters bigger that the water was warm coming up the lobsters love that. They watched it. What's that -- never seen lobsters that big on on a regular basis as when that plant was opened pumping water into the ocean. I act out on top everything -- If you if you there was that power that you just take the stern and it put -- next year you can eat."

" They have ready for more -- does that like cystic and a nice up Boylan bottled water you amazed."

" It -- thanks for the call -- an 8774694322 might cure -- with how we cargo ahead Mike."

" Ali I don't aren't they -- I think it is not they keep their favorite spot -- video -- yet look at it every day in. Therein."

" I don't think -- I know you keep up Mike but it's but it's there you know it's like you you don't like if if there's if there's cake coming into the studio every day I'm gonna. Well -- if if if I could check my portfolio every night at 830 don't I'm not every night but three -- under the -- it."

" During your belt and --"

" I have -- you're you're exactly right Mike what -- the bullets there."

" You know -- and two more great. It's not here electorate attitude is coming your way."

" Oh thanks a lot -- they thanks like -- say it's."

" Again terrorists and lets you -- Those girls were. You lemons break. Bring global warming what about the only don't let better -- next with how we cargo that --"

" Perry and you have to actually retail industry it's wouldn't rounded out the window."

" Why did she gets what Phil did they it's going up but -- put up today. The stocks are anyway."

" You have respect southern that is -- children what's happening in the retail industry a lot of people losing their job as a middle class has been wiped out. I'd heard this guy's face and so production has guy and so retail 1 it happened during -- effort -- really really --"

" Still don't you think some good I mean I -- I know the housing market is way down of construction is now I don't think a lot of the fact is that it's harder for carbon new get a job is that illegal alien carpenters are getting more of the work."

" That's problem they didn't whether we're going to lower prices."

" Right so I'm saying that a lot of this stuff is not the fault of the greedy to Democrats it's the fault of by illegal aliens in the open borders crowd like John McCain."

" That's right that's -- you've --"

" Thanks for the call -- welcome. 8774694322 Howie --"

" 1877 46 four. Fourth -- to do I mean it is true that."

" It usually goes up but it usually what is involved the last when he. For the last fifty here I don't know how many years that we goes up an average of 10% if you -- in the money market it's only going to go up three or 4%. Probably but -- get closer retirement you don't want the volatility plus you know or mean what happened in 1929 and I believe it took until 1947. For the stocks to come back to -- they were in 1929 in terms of real dollars so you don't want to you don't want to BO mess around in. I don't know I don't. I don't have a lot of confidence in the in the market -- and especially. I gotta admit to want to see those those people debating on the democratic side it's it's pretty scary when he but I again I'm more scared about the fact that. That the they would they were all Democrats would be Jack up the tax rates. And you know everybody's getting out of 41 -- anytime soon you have to pay income tax on when you take the money out I mean it's it's. It's appreciated tax for me. But when it comes out you have to pay at the there were at the prevailing income tax rate in not to -- you know whenever you read is that year in -- so you know equity you know Hugo Hillary Clinton gets her way the -- top tax rate abroad be up to 50% again. Soviet 200000 bucks in your 41 K you're actually look at a 100000 after right Hillary gets through was making sure that there's plenty for the children. Another reason not to vote for Hillary Clinton and my dad here's -- nuclear power plant is up and running humming along -- I did not know that I'd buy him. A I thought it was I thought they had to shut that thing maybe I'm thinking of -- 18774694322 stocks rebound from the losses as Fed cut rates Richard you're next with -- cargo ahead Richard."

" I almost crippled the -- saying yes and you will go look for a while artwork and yeah how it was a lot of money yeah -- pot -- like chain that all the villa. To -- didn't I think 4% interest somewhat in spite you know and -- got my money back plot."

" Right 4% what do you mean 4% a year you know -- 4% a month I'd love to get -- that's savings account for --"

" Wrapped -- that was sent. Okay -- that and if I could lose a lot of their technical."

" All eggs I know exactly what you mean Richard that's been on drifted that's -- drifted into was like you're closer to 59 and a half."

" Now but I can't route to -- what what I did here. I quit my job work work and -- water -- monthly thing. They got -- commercial let's and I can't let Patrick the last four years and I Jarvis got a little girl well let me put before one -- roll up. An American -- I I've recovered memory LR. Who told them -- had a lot."

" Yeah yeah I. If you -- put money aside and you'd just waited waited out you pride chances are you're not going to lose any money I mean this that's why. That's why you can kind of watch it in a and it's like it's almost like watch of a an athletic event is there's really there's really not that much at stake ultimately."

" Stroke I wouldn't say -- those little. A router get paid twelve yeah but not as -- and five."

" It's a pretty odds or your company's stock if you were loosened. 500 and yeah you're putting an."

" But Israel and the good lord allowed -- let's look at them to put -- in -- the money it's a money markets yeah but the market right web -- But I I was we'll let him when he. I want to make a lot of money because the."

" That's that they see you can sleep at night if you're in the if you're in the money market they have some president of fidelity enough fidelity vanguard has this thing called retirement savings trust. I loved that thing you know I would love to just be put money you know on the you know what. You know without the 41 K -- I don't I think it's just for 41 case that's the only way they have the the accounts set up. 18774694322 some have an individual retirement account with fidelity which haven't contributed to for a long time. Okay I haven't contribute because my income up to I admit it but I have somebody in Magellan. And that they that that -- that fund was closed for ten years. Ten years they just reopened it. When everybody's happy to be and -- now to get into last week. That's true that's when they reopened that won it thanks for the call Richard 1877469432 to jog your next with powered -- go ahead John."

" How are you could stop a couple of talks that are close to -- I'm gonna hit that you would want real estate outside -- a lot of Condo like. Keep dropping the price they can't give this thing away I carried out the other day I can't -- people -- the Condo market the real estate people the -- I got the commission to eight the -- But that doesn't motivate them that this -- the somebody's acting well."

" I mean -- other very motivated job but it you as you as you found out by now that no buyers at that matter how motivated you are right."

" I'll reality but that they might they'd like laden inherent from the debate between our 8% to 200000 dollar. I the other thing adopt a working a radio bit is also on the board -- out little station in the Boston market my watchdog the start to stop it is time particulate -- advocate ENT. This just is tanking the thought -- that it is that."

" Yeah you've got the you know you've got the letters -- but it's just as well you got the RR yeah. Coming into -- to a hundred shares next month you know a -- able to block the dinner. I what -- liar yes I got I remember."

" member of the clam shell alliance I've I've taught I've talked about that that's I've been I've been I've been tear gas that Etsy -- as a reporter. You know yesterday it was it was like it was it was like what these medieval castle thing you know the you'd -- you would try to that you know probe for weaknesses in the defense or I would put that we discovered that the plan shall alliance with but yet they could never figure out because there would take breaks from the probing smoke some bones and it just. A lot for their judgment is in any sense that -- need to run away when the Rhode Island cops would come running out of with tear gas canisters. Thanks for the thanks for the call jobs 1877469432218774 -- in the media business I've tended to have media stocks and boy you talk about -- Amid news I've worked in newspapers and radio in if there if there is too if their tool worse. Sectors the newspapers and radio I'd like to know what they are. I don't -- RR. 18774694322 I know I know you know about news newspapers get a lot of publicity but the radio radio has been almost as bad. 18774694322 -- on your next without cargo ahead John."

" Hey Howard -- you don't. El executed imprudent move your investments and certainly I think that -- point rate declined to drop that the -- today. Just delays the inevitable problems. Because you don't -- it it really screen the pot or fiscally conservative policy. It whoever gets -- there in in 2009 and shortly if we're going to increase the -- the government. And we're going to finance deficit spending for sale on these foreign countries. But you know what -- those foreign countries step up to the plate of Baidoa on the the depth of that is that the Chinese on -- today. You know you just drop recorder point reduction in in an interest rates -- by the bonds backed -- the war right now. Absolutely not want the financial deficit to buying your long term bonds. You raise right you got that Washington can you imagine being held over a barrel by that kind of mentality how we."

" I well you you know what. Well it's not like it's an inscrutable oriental mentality job and it's the same mentality you when I would have if we were stuck in this that the the position the Chinese bond traders are right. A meaty you know if you're if your financing somebody else's lifestyle I think you have the whether it's your own kids or country you I think you have the right to -- demand that they that they perform in a certain way that -- you deem appropriate."

" Absolutely how it I'm just saying this is a market mentality not necessarily certain countries miss holly what doesn't that scream for us. But look at it if we want to talk about energy independence. Don't you have to look at financial independence and say you know what maybe I don't think John. They absolutely -- your bottle we'll look at the trade imbalances and how you can address that and and those are key issue so I don't know that these candidates always addressed in a regular basis through --"

" No they don't -- in -- in this -- I I think this this this -- or -- this day anyway is probably good for Mitt Romney has -- he -- speak with authority on these issues and you don't know some people -- saying that. Well you know in Michigan he was pandering to the laid off auto workers by saying it's been twenty billion to bring back the industry and all that. Which one thing about Mitt Romney is he can he -- ask -- about questions like the ones we're discussing here now -- he speaks authoritatively you know he didn't every time I've seen things really I get scary in the markets really collapsed. That tab that I put aside that -- from moment and say aha is this a buying opportunity is this -- guess my experience has always been that what goes down. Comes back up."

" Well that is the -- Meaning that now he sounds like again like one of those Karl Rove look alikes on on CNBC but hey -- bully you know. It's troll doll it's troll if you see. If -- the one thing that guy said today on CNBC was you know you talk about October of 1987 happy doesn't remembered -- You would have to that the market went down 500 points at one day. But the fact is the bargain was all at the Dow Jones Industrial Average at that time was only 2500 so went down 20% so this guy said today and you know what would you appoint -- mean although it was -- trying to make the glass seem half fall. You have to have 2700 points. Today to have a day like black Monday in an October 1987. And you know that's just not going to happen I mean you know -- was going nuts and saying that they gonna thousand today a -- it's feeling that we're disappointed some of those CNBC people were disappointed today. Would that win when the Fed cut the cut them the interest rate 75 basis points there right that's -- And NC three quarters 75 basis points for the meant that they weren't going to day we're gonna get their big they're big number. And again that that -- the -- that not talking the economy down their pocket CNBC's ratings. That's the important thing. What's good for CNBC is good for the United States of America that's what Jim Cramer and and -- enough Burnett and money honey thanks for the call drug 187746943221 point car."

" Waiting for that house in the neighborhood that -- looking to -- to decline now they're saying we you know work. -- play my cards right the Fed just cut three quarters of a point today. Maybe it's gonna cut some more so why should I jump in right now housing prices don't seem to be going up. And I certainly don't see -- one some of the sit tight wait to these to decline further."

" Does closely -- us this morning you know who's who was a time that all the bank did you like who have adjustable. You know it planned to freeze it and."

" When my freezing and demo when it's going down another half a point in the a couple of weeks. Happy you're going to be also that your beloved by some real dump somewhere in greater Brockton. 1877464 port the two of it was set up a good pit bull kennel you know we want the -- dog fighting it's. Rig in the backyard we all sat tight I -- and and Hydro fighting it out on Saturday night. At the at the -- me dance. 1877469432 to follow the latest that the latest police tri ox team with a drive by shootings two -- That happens house. 18774694322 so you wouldn't win the markets are coming update they tried to keep they tried to keep interest go this morning they try to keep interest high. Or or your fears I should say by some -- the last hour and the bears will come out. And then I'll take our real bite out of this market will show they'll show omitted don't don't turn the dial from CNBC. Now it's what how much time is left now six minutes and it's. All -- quarter and quote all only down about a hundred points 141 points 138."

" Cautiously optimistic because the trading day is not over yet and really a lot of investors are looking towards the last hour here -- is easy to see kind of where we end up for the day."

" Don't turn that dial. You know. Brett -- we'll get what. It's it's to win this game at one more chance to throw an interception and you don't let giants real go kicker can't make anything. Can't keep it don't why appeared -- fox 187746 mind worth three do do all entertainment right. Solid game Jolo geared Macs with how we cargo ahead Joe."

" Asia again -- take -- one question of it talking about out some of the 4841 K funds everything that's. Are probably -- got quite silent got some money in there and supportive -- they've taken serious downturn at some -- that keeps it but I haven't been. Fidelity almost those retirement -- arms -- yeah. Is that that I should be looking into it to maybe changing in the retirement date set to that I get open until more balanced -- Because and so -- they haven't so risky that lets look at bill."

" Well you know they they would they would tell you that I mean what you want to do which is go with you know what your age group is if -- like 25 or thirty you'll want all your money in the in the money markets like some of buses so he had some of the college of bedside and but on the other hand if you don't have any you I'm I'm I'm Bob Bruce Williams here I should be giving you advice but if you don't have. -- appetite for risk and you're in your you know your bureau somewhat spoke by by look at every night on the Internet with for a much laws you probably should get into -- money markets or something. It right -- at least you build up your run your risk tolerant shall bet."

" That's as much as what else that was something that that is -- that's basically what a file was just an age group it wasn't really sure that was kind of what she's looking."

" It'll only that's bad I mean I just switched like it said the you're the herald just started offering the -- the yearly -- the age group funds and it's like a pretty good idea to me you know -- it that way you don't have to worry you know because there what I don't would basically is important some of your money in the money markets which is safe -- putting some of it in a in a really diversified does stock fund. You know the total total stock market fund that's one minute I'm sure you're in the same one. Thanks for the call Joe 1877469432."

" The question for ships Smith talking not the obvious answer to the cowboys cheerleaders it's hot -- is not to group that's still in it for the Super Bowl. -- for all the team traditionally that the cowboy teacher leaders have been the best. I'd you know that's that used to be true you know in up up about ten years ago now since they all pay for you know. Right right here models and dancers there all in pre line and tell. What you knew privately Aaron -- Burnett and -- there I recognize and you -- over -- all morning. And I I you know I don't see the attraction myself but I believe you say. But she's hot however there I'm hot apes and Albany NFL teams now it's not just which so --"

" say this I would -- more scantily clad if there I don't know I would still give the you know well. You've you've always got to go oh yeah of what was going to go to form you've always got to battle on form in the Dallas cowboy cheerleaders. Have them have the best track record over the years. That's why is going for them obviously for months. You know the answers to these questions Kevin you're next with how we cargo ahead Kevin."

" And Ali our idea I have this little plus the clothing on -- recently outlet stayed on the thwarted when --"

" All -- here that happy he's got three families for 225."

" Yeah and it is -- and the thing about myself is I I I I I over the years I I. I pretty much at home mortgages yeah that the -- I I have thought was fired by your -- body six on the ball. Years ago that that turned out to be about about."

" Where did you why these three Decker is happy is interest that a knowledge."

" Well believe it awkward about what it was there. And it devastated there's a --"

" Shaking his head but my wife looked at western crew -- she got she got scared she I think she she waited to be. Out there that look like and I'm going to the that's -- to medically."

" I don't know -- I also got I don't want any part."

" Well he's biased and happy happy is shrugging his shoulders he's proud that Larry that probably -- the holy let it yeah. So you've got. Yeah what do you you've got on the one hand you've got steady income on the other in your client somebody else's problems right out of the bed but Bennett well it out. For a long time than your -- guess and now guard"