Sweet sounds return
Updated: 2011-07-19 07:55
By Chen Nan (China Daily)
Ten years after the release of their last album, The Cranberries are back in business, playing in stadiums, releasing a new CD, and coming to the Chinese mainland for the first time. Provided to China Daily
After a lengthy break, that included marriages and children, The Cranberries are back on the road. Chen Nan reports.
Faye Wong is undoubtedly the queen of pop music in most Chinese people's minds. But if they have listened to the music of Irish band The Cranberries, they would realize their queen is not quite a genius. When Wong's career started in Hong Kong in 1994, her cover of The Cranberries' song Dreams made people see her as a pioneering singer. Her imitation of lead female vocalist Dolores O'Riordan's silky voice, feverish high pitch and willowy whisper, as well as the cropped haircut, blew into the Chinese pop music industry like a fresh breeze. The recording immediately distinguished Wong from other female singers.
The Cranberries have influenced other Chinese musicians apart from Wong, such as songwriters Dou Wei, who is Wong's former husband, and singers Mavis Fan and Candy Lo. The Super Girl winner Li Yuchun also covered their song Zombie on her 2005 talent show.
"We have listened to Faye Wong's singing and it's certainly flattering," says Noel Hogan, a founder and guitarist of The Cranberries.
"We saw an interview of a young band on TV the other day. It's surprising that they mentioned our band and called us their idols. We were just doing our own thing, you know."
Although The Cranberries have taken some years off, it seems as if they have never been away. Ten years after the release of their last album, The Cranberries, perhaps the most innovative and popular Irish bands of the 1990s, are back on the road, playing in stadiums, releasing a new CD, and coming to the mainland for the first time.
The Cranberries will give two concerts at the Grand Stage in Shanghai on July 26 and at the Wukesong Arena in Beijing on July 28 as part of their 2011 Asian tour.
"We are really excited about going to China," says Hogan in an interview with China Daily before the band left for China.
"We've been touring many places around the world but it's always exciting to go to a new place."
After a self-imposed hiatus in 2003, the band announced in 2009 that the lingering was over with a North American tour.
With the original four members, vocalist O'Riordan, guitarist Hogan, bassist Mike Hogan and drummer Fergal Lawler, the concerts in China are going to feature songs from the old albums that a lot of fans know.
They will perform unforgettable tunes, especially Ode to My Family, Dreams, Zombie and Linger, as well as four tracks from their new album, Roses.
"We just finished recording the new album and we look forward to presenting the new tracks to audiences," Hogan says.
"It's our second nature to hit the road again, you know.
"We rehearsed on Sunday afternoon. All of us were nervous because it's been a long time since we rehearsed in one room. We were in a bit of shock at the beginning because we haven't played those old tracks for years. It felt like 'Oh God, it's terrible'. But soon we found the tunes and got back to ourselves. We try hard to be better."
During the past few years, all the band members got married and had children. As they prepare for their first gigs in China, they are trying to find some balance.
"Music is not just for fun now. It's not simply a hobby, but a job," Hogan says.
"When you're 19, you can grab your bag and go anywhere you want. But now it's different in our middle age and we are trying to find a balance between work and families."
Founded in 1989 by brothers Mike and Noel Hogan, the band changed their name from The Cranberries Saw Us to The Cranberries after the vocalist O'Riordan joined. They soon became one of the most popular Irish acts in the United States with their debut album, Everybody Else is Doing It, So Why Can't We?, which sold more than 5 million copies in the US alone.
Fans were impressed by their lush, billowing folk-rock tempo and meaningful lyrics, such as the anti-drug Salvation, topped by the silvery vocals of O'Riordan.
Hogan recalls the first time he and other band members saw the female singer perform. They say they knew straightaway she was the right voice for The Cranberries. Soon after, their second album, No Need to Argue, boosted their fame even further, topping the British album charts in 1995.
"There were many young bands then and all we wanted to do was to be different," Hogan says.
"We certainly didn't feel we were very influential at the time. I remember our first performance was in a small club in my hometown. We just played six songs and all of us were nervous. We were just making the music we wanted to."
In 2003, after finishing a European tour and starting to work on their sixth album, The Cranberries announced that they would take some time off to pursue their individual careers.
"We started with the new album then but I didn't think any of us really wanted to do it," Hogan says.
"We were very young when we became famous. We were just out of school and didn't have any other life experience, you know.
"We had been doing The Cranberries for 13 years nonstop. It was our whole life then, but I think that we needed to see what else was out there and I know that we all found different directions then."
O'Riordan began to collaborate with other musicians, launching her solo album in 2007. Noel Hogan started a new band and turned to producing. The other two members also kicked off their careers as musicians and producers by working with other bands.
The members didn't set a time line for a reunion and just decided to do what they wanted to do and what they enjoyed.
"We have been in touch with each other and it's natural for us to come back to it," Hogan says.
In January 2009, when O'Riordan called Mike and Noel Hogan about doing a casual performance with her, they found that it was really good to play the old songs again.
"Maybe it's the time to do it," Noel Hogan says.
With their Asian tour, the band is releasing their latest album, Roses, which is close to the first two albums musically. The band recorded 15 tracks with their long-time producer Stephen Street.
"We've been writing songs for years and we didn't want to rush it," Noel Hogan says.
"Everything goes right for The Cranberries, the timing, the people and the music."
(China Daily 07/19/2011 page19)
Domestic firms make hay as shopping spree by middle class consumers keeps cash registers ringing in Nanjing
Yao Ming announced his retirement from basketball, staging an emotional end to a glorious career.
British fitness coach comes to terms with tragedy through life changes
Traditional Chinese medicine using moxa, or mugwort herb, is once again becoming fashionable


The Shopping Night BCN 2017
On 30 November, IED Barcelona Escola Superior de Disseny will once again be taking part in The Shopping Night Barcelona. This time, the event is inspired by La Gauche Divine, the intellectual group comprised of renowned publishers, advertisers, models, actors, photographers, architects and painters that emerged in 1960’s Barcelona.
Karin Leiz, a writer, model and muse of La Gauche Divine, will be at the IED stand, where the school will be reinterpreting the aesthetics of that time through projects by students from the Visual Communication, Design and Fashion. The school’s stand will also offer visitors the chance to get a customised fashion illustration.
There will also be an Instagram contest under the hashtag #DivinaNit, where contestants will enter a prize draw to win a customised fashion accessory by Loretto Martti, a former student from the Undergraduate Degree in Fashion Desing who won the Franca Sozzani Best Fashion Collection prize.
Date: Thursday 30 November
Time: Starting at 8 pm
Place: Av. Diagonal, on the corner of Paseo de Gracia
Students participating at The Shopping Night: Belén Morales (Graphic Design), Gabriela Torres (Graphic Design), Lizeth Vanessa Vargas Barreto (Product Design), Nina Maria Kahkonen (Product Design), Blanca Serra (Fashion Design), Carolina Ruiz (Fashion Design), Laia Viñas (Fashion Design), Roberto Rodriguez (Fashion Design), Brenda Gonzalez (Fashion Design), Iana Myronova (Fashion Design) y Loreto Martí (Fashion Design).


Not too long ago, gasoline and diesel powertrains, and maybe the occasional FlexFuel option, were pretty much the only game in town for pickups. But looking at trucks for sale these days, you’ll find plenty of models that have electric components, whether they’re hybrids or full-on EVs. This exciting shift in technology expands demand for eco-friendly vehicles into a whole new segment, and it’s led automakers to get experimental in the race to create the truck of the future.
For the 2024 model year, Chevrolet is adding its own entry into the arena of all-electric trucks with the Silverado EV. The Silverado nameplate has long been associated with power and reliability, but can an electric version maintain that reputation? We’re going to dive into the stats and figures of this EV pickup and see what it offers drivers looking to make pain at the pump a thing of the past.
Performance and Capability
The 2023 Silverado 1500 offers buyers four options when it comes to powertrains. The base 2.7L Turbo High-Output four-cylinder can deliver 310 hp and 430 lb-ft of torque. Some higher-level trims come standard with a 5.3L EcoTec3 V8 that boasts 355 hp and 383 lb-ft of torque. The rugged off-road ZR2 trim sports a 6.2L EcoTec3 V8 that brings 420 hp and 460 lb-ft of torque to the table. All of those options run on gasoline, but those seeking better fuel efficiency and torque can opt for the available 3.0L Duramax Turbo-Diesel engine, which produces 305 hp and 495 lb-ft of torque.
The 2023 Silverado 1500 is a powerful full-size pickup, and those powertrains are nothing to sneeze at. Not only can the truck tow up to 13,300 lbs and haul as much as 2,280 lbs of payload, but it’s also plenty quick. With the powerful 6.2L V8 under the hood, the Silverado can go from zero to sixty in a mere 5.4 seconds. But the Silverado EV makes the 2023 Silverado’s stats look mundane by comparison.
The Silverado EV is powered by two electric motors, and working together, they can really deliver. This electric workhorse produces up to 754 hp and 785 lb-ft of torque when you shift into Wide Open Watts mode, which unleashes the truck’s full power. In this mode, it can go from zero to sixty in a zippy 4.5 seconds.
Due to differences in electric vehicle technology, the Silverado EV’s mind-blowing stats don’t translate into higher towing and hauling capacities (at least, not yet). However, it has a towing capacity of 10,000 lbs and a payload capacity of 1,300 lbs, which is plenty for the average truck driver. Plus, Chevy has announced that a future model, likely set to debut for the 2025 model year, will be able to tow a whopping 20,000 lbs.
Charging and Range
The Silverado EV runs on the Ultium Platform, with a 24-module battery pack designed to provide plenty of power. With the largest battery option, the Silverado EV can travel an estimated 400 miles on a single charge. When it comes time to recharge, drivers have a few different options. Plugging into a 120-volt outlet (aka Level 1 charging) can be done just about anywhere, but it’s the slowest option. Get a 240-volt Level 2 charging station installed at home, and you can let your truck charge overnight.
If you need a quick power-up while out on the go, hook the Silverado EV up to a DC Fast Charging station and recharge at up to 350kW. Chevy estimates that you can replenish an extra 100 miles of range in just ten minutes this way, so you’ll be back on the road in no time. With charging stations becoming more common across the country, it’s getting easier and easier to take EVs out for longer distances without having to worry about running out of juice.
Accessory Power Bar
Of course, the main point of charging the battery is to give your truck the power it needs to get up and go. But you can also use that power to do other things. With Chevy’s available accessory power bar, the Silverado EV will give you up to 10 outlets that you can use to power just about anything, from tools at a worksite to equipment at a campsite. You can even power your entire house during a blackout! This system provides a total of 10.2kW of power.
This wouldn’t be the truck of the future if it didn’t have a high-tech interior to match its cutting-edge powertrain. Luckily, Chevy delivers a sizable 17-inch LCD infotainment screen in the center console and an 11-inch driver display replacing the analog dials usually found behind the steering wheel. There is also a head-up display that provides a field of view of over 14 inches, making it easy to look at important information without taking your eyes off the road. The vehicle’s software can receive updates over the air, so the system can stay up-to-date on the latest innovations and access services in the cloud.
The Silverado EV comes standard with a six-foot bed. However, it can accommodate bulky items up to nine feet long if you opt for a model with the Multi-Flex Midgate. This lets larger cargo pass through into the back row of the cabin. Finally, the Multi-Flex Tailgate with its load stop gives you nearly 11 feet to play with for extra-long items. If you need to make room for a long object in the bed but still need to fit a passenger or two in the rear seat, that’s no problem since the 60/40 flip-and-fold back seat can be lowered on just one side, making the cargo space extra versatile.
Since the Silverado EV doesn’t have an engine under the hood, there’s room for a large sealed trunk up front. Unlike an open bed, the trunk is weatherproof, lockable, and private, making it a great place to store more valuable equipment and anything you don’t want to make room for in the cabin but don’t want to expose to the elements either. With a volume of 10.7 cu.ft., there’s room for plenty of stuff.
A Versatile Piece of Equipment
The Silverado EV has plenty of impressive stats that work together to make this electric workhorse a versatile piece of equipment. Its zippy powertrain gives drivers plenty of horsepower to work with, which should turn some heads while passing on the freeway. A 400-mile range means you don’t have to worry about stopping to charge often, even if you need to pick up cargo from a few counties over or have a long commute to your workplace. That range should also come in handy on trips out to campsites in the countryside, where charging stations may be few and far between.
The fact that the power can be used both for the motors and anything you might want to plug into an onboard outlet is also a useful touch with a wide range of applications. From using power tools at remote worksites to bringing your game up a level at the next tailgate party with a minifridge, stereo, or electric grill, this truck can help with just about anything. You don’t have to be a genius mathematician to see that the Silverado EV’s numbers add up to big possibilities.


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Ok, maybe “wild” is a stretch. But in Daybreak’s Upper Villages, we’re about to unveil some exciting features and homes that will make everyday life a lot more, shall we say, exploratory. We’re talking all-new ways to live and be neighborly and get fit and play in the water. And we’re throwing a great big outdoorsy party to celebrate.
This is the Daybreak you know
and the Daybreak you can hardly imagine.
Still right here in South Jordan, nicely accessible both to downtown Salt Lake and Silicon Slopes. But every day evolving. With new homes and new kinds of homes. With art and music. Commerce and cuisine. Nature and culture. New experiences. New ways of living. One good thing, then another. And another.
Daybreak is a place of many places. Some brand new. Some beautifully mature. Some closer to the water. Some closer to eats and boutiques. Then there’s Downtown Daybreak, just beginning to emerge. Come find your place.
Really good schools are rare. So living really close to a really good school is a rare privilege. With three public K-6 schools, a public K-9 charter and a public 6-12 academy — all of them top-ranked — Daybreak is the perfect choice for smart families.
Two light rail stations. Two miles of frontage on the Mountain View Corridor. A half-hour or closer to downtown Salt Lake, SLC International Airport, and Silicon Slopes. No wonder almost 50 businesses are already here, from local eateries to a multinational e-commerce corporation. And more are on the way.
“We’re on the water, on a trail. We’re close to SoDa Row so we can just walk home after a concert. It’s the center of everything.”
“My friends on social media always comment on the fun things we do here.”
“It’s OK to be different here. The houses are all a little different. We have artists.”
Where To Start Your Tour
6172 W. Lake Avenue
South Jordan, UT 84009
Enjoy a croissant and a cup of chai in our combo information center-café. Then learn all about the Upper Villages and our newest thinking as you prepare to tour 14 model homes in Highland Park and six models in our newest 55+ village, Springhouse.
Take Bangerter Hwy. to South Jordan Pkwy (10400 S.). At the roundabout continue towards Lake Avenue. Follow Lake Avenue, look for signs to The Hub and Model Homes.
10491 S. Lake Avenue
South Jordan, UT 84009
Situated on the shores of Oquirrh Lake, this is where you explore the opportunity to own a new home in Daybreak’s beautifully maturing Lower Villages, including our emerging Downtown districts and our one-of-a-kind Lake Village and The Island.
From I-15 or Bangerter Hwy. go west on South Jordan Parkway (10400 S). From there follow the signs to the Lake Cottage Information Center.

domain: geography


The Pavilion’s rooftop features a full perimeter service catwalk, dedicated exhaust system, cooling towers and boiler flues.
Image courtesy of Penn Medicine
There are many aspects of Penn Medicine’s new 1.5 million-square-foot, 17-story Pavilion in Philadelphia that helped it achieve LEED Gold certification.
Part of the Hospital of the University of Pennsylvania (HUP), the Pavilion includes 504 private patient rooms and 47 operating rooms. It also houses HUP’s emergency department.
Inpatient rooms are capable of handling any acuity, from medical-surgical to intensive care, and designed to decrease noise and improve patient sleep. All operating rooms also are built with future needs in mind, containing panels that can be swapped out to install the latest technology and enabling natural light to flow through large windows.
But even more impressive from an engineering standpoint are the notable design and construction efforts that helped the structure achieve LEED Gold.
The building itself uses 100% outside air through its HVAC system, employing energy recovery wheels to capture and repurpose waste energy. Supply air is distributed from two main mechanical spaces on level 2 and level 15. All air-handling units are manifolded together to supply air to levels 6 and below, and levels 7 and up, respectively.
“Manifold setup allows for us to mitigate the impacts of equipment failure,” says Braheem Santos, associate director of HUP’s physical plant. “We carefully examine multiple failure scenarios to assess when a thermal impact would be experienced within the building. Thanks to our design, when loss of components happens, our building automation system is intelligent enough to direct equipment accordingly.”
The chilled water system includes five 1,250-ton chillers (N+1 redundancy) that operate via manifold distribution; the heating/hot water system incorporates eight 6,000-MBH dual-fuel condensing boilers that use natural gas primarily and fuel oil as a backup. And the electrical/emergency preparedness system involves four 2.5-megawatt generators (N+1 redundancy), a critical branch flywheel uninterruptible power supply system, diversified incoming power feeds and three 20,000-gallon subterranean fuel tanks.
Overall, these and other systems at the Pavilion and the organization’s energy efficiency efforts are expected to save more than 14% in annual energy costs compared to an average code-compliant hospital.


Prices incl. VAT plus shipping costs
- Order number: T-1281-105.0202
- Material: 80% COTTON (ORGANIC) / 20% POLYESTER (RECYCLED)
The urban, sporty cut is slightly waisted and has a dynamic shape.
striped rib cuffs
sporty cuffs with thumb hole
The large hood can also be worn as a cozy shawl collar due to the overlap. The soft organic cotton is pleasant and cuddly soft on your skin.
The roughened interlock material also stands out for its breathability and high wearing comfort.
|Material:||80% COTTON (ORGANIC) / 20% POLYESTER (RECYCLED)|


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"The King Who Was a King - The Book of a Film" is a fascinating treatise on the development of film written by H. G. Wells and first published in 1929. Writing at the when cinema was beginning to explode, Wells explores the emerging industry's history, future, and the elements of contemporary film. Contents include: "The Development of the Film", "The Film, the Art Form of the Future", "The Primary Problem of Treatment", "The Love Interest", "The Antagonists", "The First Part of the Film", "Prelude", "The American Point of View", "The British Point of View", "The Pawn", "Dr. Harting lectures on The Causes of War", et cetera. Herbert George Wells (1866 - 1946) was a prolific English writer who wrote in a variety of genres, including the novel, politics, history, and social commentary. Today, he is perhaps best remembered for his contributions to the science fiction genre thanks to such novels as "The Time Machine" (1895), "The Invisible Man" (1897), and "The War of the Worlds" (1898). "The Father of Science Fiction" was also a staunch socialist, and his later works are increasingly political and didactic. Many vintage books such as this are becoming increasingly scarce and expensive. We are republishing this book now in an affordable, modern, high-quality edition complete with a specially commissioned new biography of the author.
To view this DRM protected ebook on your desktop or laptop you will need to have Adobe Digital Editions installed. It is a free software. We also strongly recommend that you sign up for an AdobeID at the Adobe website. For more details please see FAQ 1&2. To view this ebook on an iPhone, iPad or Android mobile device you will need the Adobe Digital Editions app, or BlueFire Reader or Txtr app. These are free, too. For more details see this article.
|Size: ||2.1 MB|
|Publisher: ||H. G. Wells Library|
|Date published: || 2016|
|ISBN: ||9781473345386 (DRM-EPUB)|
|Read Aloud: ||not allowed|

domain: library


text:
A propos de moi
J Neurol Neurosurg Psychiatry. J Geriatr Psychiatry Neurol. 13. Greenblatt DJ, von Moltke LL, Luo Y, Perloff ES, Horan KA, Bruce A, et al. 4. Greenblatt DJ, von Moltke LL, Perloff ES, Luo Y, Harmatz JS, Zinny MA. 28. Markowitz JS, DeVane CL. Return to Muscle Car Information Library. Individuals who cannot adequately absorb vitamin B12 require muscle injections. For example, folks have used willow bark tea for centuries to relieve fever. Research in mice exhibits magnolia bark can be effective in reducing pain caused by inflammation. Supplements can decrease the likelihood of chronic diseases, reminiscent of cardiovascular illness, cancer and diabetes. Out of seven clinical trials, only the Cambridge Heart Antioxidant Study discovered that vitamin E supplements offered beneficial results in stopping cardiac events in people with coronary heart illness, and that examine appeared to have some design flaws that will have influenced the results. Poirot, Lissa. "A Wrinkle in Time: Preventing Damage to Aging Skin." WebMD. A effectively-balanced and adapted weight loss program shall be accountable each in your dog’s liveliness and for his resistance in stopping deficiencies or issues.
A number of the supplements will be in an oil base, which is really vital," D’Adamo says. However, she says these vitamins E and other fats-soluble vitamins have to be intently monitored by a doctor, contemplating they can reach toxic levels within the physique. However, chances are you'll not know what exactly is wholesome on your changing body. We believe in educating our patients about their remedy options because you know your body best and you should be a associate in your journey towards a happier, healthier, more vibrant life. What I will supply is a listing of the brands I’ve come to regard as the most effective choices for getting supplements, with a brief description of each. To seek out the perfect prices on vitamin C supplements, click right here.D. You could find B vitamins in foods comparable to spinach, milk, cheese, chicken, and fish. In all instances, I comparability shopped to find the vegan choices that ship the best bang for the buck. Fitzpatrick, Jason. "Get Started Growing Indoor Herbs." Lifehacker. A growing number of geriatric populations within the areas like North America, Europe, and the Asia Pacific is anticipated to enhance market development over the forecast period.
For a baby with particular wants, that number will be an ideal deal more depending on the child's needs. And don't forget about colorfully painted cabinet sections; they're an ideal method to additional your scheme. Kitchen hardware -- window cranks and pulls, cabinet knobs and handles, door and drawer pulls, and extra, are sometimes called the jewelry of the room. E-cigarette units are battery-powered, and so long as you remember to keep the battery charged they're reusable (though upkeep and usability will rely upon the kind balance of nature e-cigarette gadget you are using). As the battery runs down, the system will kick-in the engine to drive the generator and supply further power to the electric motors. Biotin as well as different sorts of supplement B assist the system create adequate protein to nourish the strands. Usually found on youngsters, because they at all times have some type of sore on their fingers, and folks with immune system deficiencies, since they're more prone to all varieties of viral infections. We examine all components that are affecting your body, such as the environment and your way of life habits, to develop a well being regimen that is unique to your needs and desires. It is important to do not forget that hunters are out in numerous habitats, looking for different species of animals.
Ginkgo biloba does not alter clearance of flurbiprofen, a cytochrome P450-2C9 substrate. Coma in a affected person with Alzheimer's illness taking low dose trazodone and gingko biloba. 14. Rosenblatt M, Mindel J. Spontaneous hyphema associated with ingestion of ginkgo biloba extract. Effect of ginkgo and ginger on the pharmacokinetics and pharmacodynamics of warfarin in healthy subjects. Brief communication: American ginseng reduces warfarin's effect in wholesome patients: a randomized, controlled trial. 21. McRae S. Elevated serum digoxin levels in a patient taking digoxin and Siberian ginseng. 22. Johne A, Brockmoller J, Bauer S, Maurer A, Langheinrich M, Roots I. Pharmacokinetic interplay of digoxin with an natural extract from St John's wort (Hypericum perforatum). 27. Izzo AA. Drug interactions with St. John's wort (Hypericum perforatum): a assessment of the clinical evidence. 15. Cupp MJ. Herbal treatments: hostile effects and drug interactions. Effects of marine fish oils on the anticoagulation status of patients receiving chronic warfarin therapy.

domain: medical


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people It is going to attribute the amount of bucks or capital loaned
A promissory know or promissory document happens to be a legal application comparable in the wild to any common law acquire to ensure that a binding agreement to become enforceable it should consist debit card payday loans North Canton OH of specific legitimate problems instance an offer and a popularity of this offer legal agreements suggest the character and number of fees for solutions or goods rendered In the matter of a legal promissory note the acquire would be shaped round the sum or money loaned as well regards to compensation of this promissory know.
Just like any deal the promissory know will include every finer points associated with the settlement that are founded within the two parties It will attribute the amount of money or cash loaned the rate of interest which is billed and the timeline for compensation Once every one of these issues is addressed for the promissory mention details as well as being closed by both sides the promissory notice contact these aspects of a legitimately holding agreement.
Creating a Promissory Observe
Mortgages as Promissory Notes
Promissory information may also be used for loaning usage which can be more technical and include more substantial levels of belongings or cash homes mortgage loans are generally a type of promissory notice plus they are really additionally designed and written to a standard simple promissory observe.
The real difference is finance notes were posted for large volumes of cash consequently they are attached because of the home which is purchased by doing so bucks the data associated with mortgage observe are more complicated a result of involvement of finance companies or national regulations that supervise properties loaning ways provided that these essential elements exist in the mortgage promissory notice to mirror common law contract needs the note fulfills all commitments beneath legislation to be officially binding.
If A Purchaser Loan Defaults
Whether or not a promissory know are attached with collateral or is unsecured and relying exclusively from the pledge to settle equal basics of legality implement In the event that purchaser should default throughout the note not have the option to pay the lender of a protected know can locate relief by lawfully repossessing the home or property that was assured as security from the notice.
In the event that observe is perfect for a financial money which is certainly not secure the lender provides the lawful power to get restitution through legal program and secure a prudence with the debtor Even though this cannot completely warranty payment from the promissory note it can do establish a legitimate wisdom contrary to the borrower may consequently become attacked through gallery exercises.
The second downside to an unsecured promissory note or promissory letter is that if the borrower should document bankruptcy proceeding lenders with established passions is going to be returned before any collector with unsecured needs This produces a chance where in actuality the unsecured bank may not receive any payment when it comes to violation of agreement.
Promissory Reports Are Helpful Legal Gear
Promissory records is an important appropriate instrument that anybody could use to legitimately join another person to an agreement for choosing merchandise or credit funds A promissory observe comes with the whole effect of laws behind it as well as officially holding on each party.
In terms of uncomplicated and routine contracts between two events that do not demand pro appropriate recommendations from a qualified lawyers the straightforward promissory observe tends to be written in a variety of ways to quickly build a joining authorized agreement its an instant and inexpensive method that any individual are able to use to shield their unique welfare plus its simpler to apply than straightforward handshake.

domain: finance


text:
Sorry, this item sold. Have jlmyakima make something just for you, or try these other items:
we have a memo board that measures 20" wide X 15" tall. This is covered with the Hotty Pink Scarlett Begonias print fabric. Coordinating ribbon and buttons accent in a diamond pattern. This is padded to keep items securely in place and has a nice quilted look. No need for push pins that will ruin your photos, notes and even makes a great place to hold hair barrettes. The back of this item is finished with solid colored fabric. Board also has ribbon attached, 6" drop and is ready for hanging, easily will hang on a sturdy thumb tack.
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domain: design


text:
There is nothing quite as dashing as a well cut suit. As my mother is fond of saying, “A well cut suit can hide a multitude of sins.” So, any man (or paper doll man) needs a good suit. Plus I find drawing men’s suits a little intimidating, so it is good practice for me to work on them.
In fact, both a suit and a tuxedo (which I haven’t drawn yet) were on my initial brainstorm of paper doll clothing “basics” that I thought I needed for the gents. That original list also included pirates and post-apocalyptic, so I have gotten a lot of it drawn. Despite my best efforts, the C Pose boy paper dolls still trail behind the ladies in numbers of sets. I just can’t help it. I like drawing ladies clothing more than gent’s clothing.
Well, what do you think? Are you a a fan of suits? Hate them? What else do does the well outfitted paper doll man need? Let me know in a comment. I love to hear from you.
Need a paper doll to wear today’s clothing? All the C Pose Dolls & Clothing

domain: artistic


text:
Author of “Records Truly Is My Middle Name”. John Records Landecker has had a legendary 40+ year radio career; one that the Rock and Roll Hall of Fame in Cleveland saw fit to feature in their radio exhibit. Landecker was born and raised in Ann Arbor, Michigan, and that’s where his radio career began. John has gone on to entertain radio audiences in Michigan (WOIA, WERX, WTRX, WILS), Philadelphia (WIBG), Chicago (WLS, WLUP, G-106, WCKG, WJMK), Toronto (CFTR) and Cleveland (Power 108). When he was working at WLS in the 1970s, John was named Billboard Magazine’s Radio Personality of the... Read More
I listened to John Records Landecker every night on the Big 89. I still think he is the best rock jock that ever lived. The best of all-time.
Terribly astonishingly honest! A story of a generation.
The best book about radio I’ve ever seen.
When you’re born with the middle name “Records”, your destiny has been chosen for you. John Records Landecker fulfilled his destiny by becoming one of the most respected disc jockeys in radio history.
In Landecker’s incredible 40-plus year major market radio career, he lived an amazing life. His former long-time producer, author Rick Kaempfer, has managed to pull those stories out of him in the pages of “Records Truly Is My Middle Name.” Whether the stories are about the behind the scenes world of Top 40 Radio’s heyday, or Landecker’s colorful encounters with worldwide celebrities like George Harrison, Mel Brooks, Tom Hanks, Bill Murray, Elton John, The Rolling Stones, George Carlin, and countless others, Landecker recounts his tales with refreshing honesty and humor.
- You’ll be transported into a radio studio with Stevie Wonder as the news of Martin Luther King Jr.’s assassination comes across the wire.
- You’ll go into a shopping mall with John Travolta and 30,000 screaming teenage girls.
- You’ll meet people before they were stars—the 14 year old kid who would become a legendary television producer—the teenager who went on to become a worldwide rock star—the original cast of Star Wars as their starships were blasting them into a galaxy far, far away.
- You’ll wake up in an airplane overlooking the Grand Canyon without the slightest inkling of how you got there.
- And you’ll take a “stay out of trouble” getaway vacation and inadvertently stumble onto a Playboy Playmate shoot and a crashed airplane full of pot.
Landecker and Kaempfer produced this memoir as they once did their radio show together. The book is packed with the stories behind Landecker’s most famous bits and songs, timeless photographs, John’s personal memories of important Baby Boomer milestones, and additional stories from over thirty guest stars (like fellow radio legends Bob Sirott, Jonathon Brandmeier, Don Wade, Fred Winston, Joey Reynolds and more).
Below is a documentary about John Landecker from 1976. The story of this documentary and how it came to be is in the book.


text:
Christine isn’t sure that Roth conversions are all they’re cracked up to be. Erick needs a retirement spitball analysis for his Roth conversions, annuities, and the real estate in his self-directed IRA, Billy the disgruntled attorney wants to know if he can retire now, and Zach wonders just how bad is it to rely on the lottery for retirement? But first, Joe and Big Al spitball retirement strategies for three members of the US military.
- (01:16) I’m 22, Military. Should I Be Spending More Instead of Saving So Much? (Cole – voice)
- (06:19) I’m 27. How Should I Max Out Military and Second Job Retirement Contributions? (Adam)
- (09:08) Retiring With Pensions at Ages 59 & 63. Is Our Retirement Plan Sound? (Scott, AL)
- (16:55) I’m Not Sure Roth Conversions Are as Good as They Sound! (Christine, Seattle)
- (26:44) Roth Conversion, Annuities, Real Estate in Self-Directed IRA Strategy? (Erick, CA)
- (37:23) Can a Disgruntled Attorney Quit and Retire Now? (Billy, Joplin, MO)
- (39:53) Just How Bad an Idea Is Relying on the Lottery for Retirement? (Zach, Tuscaloosa, AL)
- (47:18) The Derails
Free financial resources:
The 6th Annual YMYW Podcast Survey has now ended.
From YMYW Podcast 198, 7 Tips and Financial Benefits for Military Families:
- Benefit 1: Military Family Readiness Centers
- Benefit 2: Blended Retirement System
- Benefit 3: Thrift Savings Plan
- Benefit 4: Savings Deposit Program
Your chance at a $100 Amazon gift card is waiting for you in the podcast show notes at YourMoneyYourWealth.com! Answer 17 questions in the 6th annual YMYW Podcast Survey and you’re entered to win! Click the link in the description of today’s episode in your favorite podcast app to go to the show notes and access the survey and the secret password. Legitimate, complete entries, with honest opinions about what would make Your Money, Your Wealth your favorite, funniest, top, best personal finance podcast will be in the running for the hundred bucks. US residents only, no purchase necessary, survey and giveaway close and winner chosen at 4pm Pacific time on August 31st, 2023.
Today on Your Money, Your Wealth® podcast 440, Christine isn’t sure that Roth conversions are all they’re cracked up to be. Erick needs a retirement spitball analysis for his Roth conversions, annuities, and the real estate in his self-directed IRA, Billy the disgruntled attorney wants to know if he can retire now, and Zach wonders just how bad is it to rely on the lottery for retirement? But first, Joe and Big Al spitball retirement strategies for three military families. I’m producer Andi Last, and here are the hosts of Your Money, Your Wealth®, Joe Anderson, CFP® and Big Al Clopine, CPA.
Should I Be Spending More Instead of Saving So Much? Military (Cole – voice)
Joe: Go to YourMoneyYourWealth.com, click on that special- not special offer- What are we doing?
Andi: Click on Ask Joe and Big Al on Air.
Joe: Yeah, thank you. I think Cole did that, didn’t he?
Andi: That’s what he did.
Cole: “Hey Joe, Big Al, and Andi. It’s good to talk to you guys again. My name is Cole, and I’m currently driving my 2020 Hyundai Sonata in white. I called into the show probably 3 or 4 years ago. I’ve still been listening here and there whenever I get the chance. And I just want to give an update to my situation. My question that I had all those years ago was something about, I think like investing into a brokerage and then like selling it if it’s under $50,000. And if it would give me like 0% capital gains tax, if it was long-term capital gains, something along those lines, had this whole plan. I’ve made over $50,000 a year. So I’ve never really been able to utilize it for my brokerage account, but I just wanted to give a rundown on some numbers that ask a philosophical question. So I’m making approximately $72,000 a year right now. Although because I’m in the military, some of it is nontaxable allowances, BAH/BAS. Currently in my TSP I have $105,000 and about $76,000 of that is Roth. I also have an individual Roth account with $37,000 and a brokerage account with around $30,000. I think it’s slightly less. In addition, I have cash reserves of around $30,000. Anyways, with all this being said, I’m 22 years old, turning 23 pretty soon, and I was just wondering, do you ever feel like maybe you wish you spent more rather than saving as much? I know that usually people don’t have that sort of problem, but in my head I’m like, wow, I kind of wonder if maybe I should be actually spending more money. Even though I do have a lot of experiences that I really enjoy. I went to Paris and Barcelona a couple months ago. I went to Puerto Rico actually last month. So I travel two or 3 times a year, but I’m just wondering from your personal experience, has there ever been a situation where somebody has been like, wow, you know what? I wish I did X, Y, and Z when I was younger. Anyways, thank you so much. I appreciate all of your content over the years and I hope that you’re doing well. Oh, now that I can drink, I like Coors Lite and whiskey sours. Awesome. Have a good one. Bye”
Joe: Now that he can drink. Wow.
Andi: Oh, and he messaged us 3 or 4 years ago. He was only like 18.
Al: Yeah. So that’s pretty good. Cole, you can drink, all right. You’re part of our group.
Joe: Yeah. I think everyone says, I wish I would have done things differently. I don’t think anyone says, I lived my life perfectly.
Al: 100% agree. What went into my mind with this question Cole is, we’ve got this little plaque in our family room that says, ‘Enjoy the Journey.’ Because to me, that’s what life’s all about. Of course, you’ve got a long-term goal of retirement or whatever it may be. You’re saving for that. Make sure you’re, you’ve got, you’re on track with your savings goals, but boy, oh boy. Yeah. Enjoy the life. Do the things you want to do. Travel, hobbies, right? Take a little more time off, whatever it may be. You will never regret that. So yeah. Wholeheartedly. Go ahead. It sounds like you’re saving plenty. You got a couple of hundred thousand dollars and you’re what, 22? That’s amazing. So I’m not worried about your savings. Make sure you have fun though. That’s, yeah that’s what, that’s my thought.
Joe: Yeah. A couple hundred grand at 22 years old is pretty impressive. You look at a lot of people in their 60s don’t have a couple hundred thousand.
Al: Exactly. In fact, for some people, they aspire to $200,000.
Joe: And it’s a huge chunk of change. So at 22, he’s in the military, depending on how long he stays in the military, he could receive a military pension. And so that would be added savings for him as well. But you look at $200,000, if he never saves another dime, that thing, it would probably double every 7 years or so. So when he’s 30. He’s got $400,000. When he’s 37, 38, he’s got $800,000. At 40 some, he’s got a couple million bucks just with compounding interest of those dollars doubling every 7 to 10 years, depending on what rate of return that you use. But yeah, I think that’s what planning is all about too. Just figuring out what you want to do long term. When do you want to retire? When do you want to be financially independent? When do you want to have work optional? But I think at the end of the day, you want to take care of your older self as well. When we meet with clients in their 60s and they have millions, they’re not going back and saying, damn it, I wish I wouldn’t have saved as much. They’re pretty happy that they have millions. So I think the strategy is looking at, hey, don’t forget about your older self, but making sure that you’re enjoying the journey as Al said, as his plaque in his living room. Thanks, Cole. Good job there.
I’m 27. How Should I Max Out Military and Second Job Retirement Contributions? (Adam)
Joe: Hello, Joe and Al. My name is Adam. I’m 27 and a bit of a nomad at the moment.” A nomad. Not sure what a nomad is.
Al: That means don’t really have a home. Just traveling around.
Al: I like that.
Joe: “If it has booze, I will probably drink it. When I’m not drinking or working, I drive a 2015 BMW 3 series because a foreign car is what every 20 some year old should drive. I’m learning from my poor purchase decision slowly. I balance my time between a job that takes me all over the world and the Air- oh at the Air National Guard?”
Andi: and the Air National Guard. He’s got two jobs.
Joe: Oh, thank you. “Doing this allows me to keep my costs extremely low and save a lot. My question is both employers give me a 401(k). I’m wanting to max out contributions this year, but will both give me a match and I’m unsure the best way to go about maxing out the contributions. I know that you guys say to avoid over contributing, but we pay being variable at both places of employment and better spitballs to easilier hit the max contributions besides a long drawn out math question and adjusting percentages as years go on.” I don’t know if that made any sense whatsoever, but-
Andi: You read it a little bit of a jumble, but, yeah.
Al: I’ll take a chance at it, Joe. I think what Adam is asking is I got a couple employers with 401(k)s and I think he’s alluding to the fact that you can only give $22,500 in all 401(k)s. You can’t do $22,500, which is the max in one plan. And then again, in another plan, you’re limited to that as a total. And so I think where he’s going is what’s the best way to do it with two employers. And if that’s the question, the best way to do it is to make sure you’re getting full match at each employer. So it’s not just you putting money in, but it’s your employers as well. That way you’ll maximize the money going into your overall accounts. And then monitor both, because you want to try to get to that $22,500. If you go over, what happens is you just have to record some of that as income on your return because you got a deduction and now you weren’t allowed it. I guess it’s not the end of the world, but yeah, try to hit that $22,500. Try to get the most match you can from each company.
Joe: How often is that caught?
Al: It’s actually caught all the time. And I’ll tell you why, because the tax software out there catches it and adds it back to income. If you do it manually, I guess they wouldn’t catch it.
Joe: All right, cool. Thanks for the question.
Retiring With Pensions at Ages 59 & 63. Is Our Retirement Plan Sound? (Scott, AL)
Joe: Scott from Alabama writes in. He goes, “Hey, Joe, Big Al, been listening for a couple of years. Really enjoy your podcast. You guys do a great job providing spit balls- with humor.”
Andi: – interspersed-
Joe: “- with humor.”
Al: That’s good. That’s good. Yeah, that was accurate, Joe. You’ve read it appropriately.
Joe: “I’m rapidly approaching retirement at the age of 59 this December. Wanted to get your take on the soundness of my approach. We will be relocating after retirement to the old KC area. Wife is 4 older at 63. Here’s a quick rundown. Projected retirement expenses, $135,000 inclusive of taxes, $60,000 is discretionary and planned for travel, hobbies, spoiling grandchildren, etc. Assets total $1,630,000, no debt, $930,000 in a retirement account, $50,000 in a Roth, $650,000 in equity, and a paid off home that we plan to roll over to a new residence in Oklahoma. Pensions $55,000 a year, military pensions with COLAs $25,000 a year and another government pension, COLAed after age 62, Social Security is $40,000 for me, spouse $16,000 at age 67 increasing to $19,000 when she converts to her spousal benefit at 71.” She converts to her spousal benefit at 71.
Andi: I assume that means she’s going to take her own and then switch to spousal?
Joe: At 71? I don’t know why.
Al: Yeah, that may not be quite technically right, but it’s quite close. But that’s what that’s trying to refer to.
Joe: Got it. Alright, “So it looks like I have about $80,000 of expenses covered by my pensions and would need to draw about $65,000 a year from my retirement accounts for 3 years until my wife turns 67 and Social Security kicks in. Then I will drop to $50,000 a year for the next four years when I turn 67 and begin drawing my Social Security. After that, it looks like we’ll need to withdraw $7000 per year. Just based on a straight math, without factoring in inflation compounding, or COLAs, it looks like we’d be drying down $400,000 or so before Social Security starts. I’ve run the numbers through several calculators and based on historical and Monte Carlo projections, they say we got 100% chance of not running outta money before I reach 90, and my wife is 94. I assumed a 3.5% rate inflation, 5% real rate of return on equities. Anything you’d be concerned about this approach? Since we’d be drawing down the traditional balances significantly before we hit RMD age, we’re not really worried about the RMD impacting our taxes and aren’t planning on any Roth conversions. Make sense? I’d appreciate any thoughts, concerns you may have to share, and if I might be overlooking something. We drive a 2016 Lexus and 2022 Ram that pulls our Airstream all over the country. I enjoy a Beefeater gin and tonic, and my wife likes her pinot grigio. Thanks for the spit ball. Scott in Alabama. Not my real name.”
Al: Okay. We’ll call you Scott though anyway.
Joe: Thanks Scott. Scott’s doing pretty good, Al.
Al: Yeah. I’d say Scott, you’re right on.
Joe: Simple math. The only thing is the Social Security. Kinda a little jacked, but-
Al: Yeah, something’s a little off there, but so here’s the way we think about it. So you got about $1,000,000 of liquid assets and you’re starting out by drawing $65,000 a year. So simple math, that’s a 6.5% distribution rate, which if you listen to our show, that’s a little high. Usually we like you to be 4% or less depending upon your age. But here’s the key, that 6.5% is only for a few years. Then it goes down to $50,000. Okay, so that’s a 5% distribution rate, and then it goes down to $7000 when Social Security fully kicks in. Now you’re less than 1% distribution rate. So I would say there’s a highly, there’s a high likelihood of being successful. I would never give anything 100%. There’s no guarantees in life, but I would say you’re in the high 90%s of making this work. That’s the way I look at it.
Joe: The biggest thing that I see here, is that he’s right, in the first several years of retirement, he’s got a large distribution rate. So what is his withdrawal strategy? A sequence of return risk is probably his biggest risk because he’s taken 6.5% out plus taxes, maybe it’s closer to 7%, I don’t know. And then let’s say the market falls 30%. How’s he invested? Is it all equities? Is it all bonds? Is it a mixture of both? How is he pulling the income from the portfolio? Because basically he’s going to be pulling everything from a traditional IRA. It’s going to be fully taxed, right? He’s going to have pensions. He’s going to have Social Security and just as cost of living of $135,000, given inflation might put them in the 25% tax bracket. So I wouldn’t overlook conversions just yet. I’m not sure if it makes a ton of sense, but if tax rates continue to go up and you don’t have very- if you have very little diversification and how you’re pulling the money, maybe it might make sense to at least contribute to Roth as you’re still working and grow that overall pool of money. But yeah, the biggest risk that I see in his overall situation, he’s loaded up on all ordinary income. He’s got a military pension, a government pension, Social Security, and the TSP, IRA, all of that is taxed at ordinary income rates. The distribution rate is going to be too high in the beginning, so if the market blows up on him that could be- But he’s got good fixed income. If his retirement accounts go to zero, he’s not going to be on the street.
Al: And the other thing that you do in this situation is some of that million dollars have in very safe investments. So if the market goes down, those investments will hold their value.
You just pull from those investments and let the market recover. That’s how people get around this one.
Joe: All right. Very good. Thank you. Scott.
Andi: I’ve posted some financial resources specifically for military families in the podcast show notes, so click the link in the description of today’s episode in your favorite podcast app to get there. To get your own Retirement Spitball Analysis, click the Ask Joe & Al On Air banner there in the podcast show notes. Tell the fellas the relevant details like your name, age(s), and location. And the name can be whatever you like; the ages and location should be real for a more accurate spitball. Also – when do you (and your spouse, if you have one) want to retire? How much do you think you’ll need to spend annually in retirement? How much do you make and save now? How much do you already have saved, and in what types of accounts (401(k), brokerage, Roth, etc)? And provide any other details that are relevant to your financial question. Then, to help Joe better visualize your whole situation, tell us where or how you listen to YMYW, what you drink – because that’s important to Joe – and anything else you want to share, because this show would not be a show without you. Again, just click the link in the description of today’s episode in your favorite podcast app to access all these resources right before the episode transcript.
I’m Not Sure Roth Conversions Are as Good as They Sound! (Christine, Seattle)
Joe: “Hey guys. So you might be surprised to hear me say this, but I’m not sure- I’m not so sure if Roth conversions are good as they sound.” Wow.
Al: Wow, okay. Oh, we’re going to have a little point cross point debate?
Joe: Yeah. A little debate. “I have an opportunity to convert $100,000 this year to the top of the 24% tax bracket. To do this, I would have to sell non-qualified retirement assets and pay a 15% capital gains on those to pay the tax I owe this year. So to net $24,000 for the tax on the conversion and have enough to pay the 15% capital gains tax, I actually have to sell $28,000. With $28,000 no longer growing for me, do I really come out ahead? I need to factor in the loss of 20 years of growth for the $28,000. Don’t I? Here are the calculations I did. Looking 20 years down the road and assuming money doubles every 10 years for ease of calculations.” So she’s saying- this is Christine from Seattle-
Al: – for calculation.
Joe: So she’s saying, all right here I have this money in a retirement account. That’s going to grow for me. And then I have this money outside of a retirement account. That’s going to grow for me.
Al: So let’s compare.
Joe: So let’s compare. Because I have this other money that’s going to the IRS if I pay the tax. So I don’t think this makes sense to do a Roth conversion. So she’s going to convert $100,000 and pay the tax bill upfront, yields $288,000 that comes out tax-free. $100,000 minus $28,000 tax on conversion equals $72,000 times 2 is $144,000. Growth of 10 years is $28,000. You follow that math, Al?
Al: Yeah. Yeah. So 10 years, it becomes $144,000. After 20 years, it becomes $288,000, which I agree. That’s a correct back of the envelope assumption.
Joe: “If I don’t convert that $28,000 that she would have paid to taxes is going to keep working for me. And I have $512,000 that’s taxed when I take it out. $100,000 plus $28,000 times two equals $256,000, and then 20 years of growth, $512,000. If my thinking isn’t flawed, then it must be- it seems I could pay a roughly 44% tax rate and still net the same as if I do conversions now. And I don’t think my tax rate will be that high in retirement. At least I hope not. It’s summer, so I’m drinking Mount Gay and Tonic with a lime.” A lot of gin and tonic drinkers.
Andi: Read on.
Joe: Al, I think you got to switch. Start being a gin and tonic guy.
Al: Okay. I like rum, but maybe I’ll give it a shot.
Joe: All right. “That’s a smooth golden Barbados rum, by the way, not gin.”
Al: Oh, so you’re talking my language now.
Joe: Yeah. God, I just talked too soon, didn’t I?
Al: Andi said read on.
Joe: Yeah, I know. It’s not Gin. Andi’s always right. “Don’t knock it until you try it. Very smooth and refreshing. And Al might even like a little splash of pineapple.”
Al: Oh Christine, I’m positive. I would like a splash of pineapple in that.
Joe: I would vomit. “I look forward to hearing your spitball and probably make fun of my throwing all these numbers around and using terms like net and non-qualifying like I know what I’m talking about. I’m talking to you, Joe. But I love you all anyway.” And I appreciate you, Christine in Seattle.
Andi: With a heart. Thank you, Christine.
Joe: Yeah. Thank you. God, I must just like blowing a lot of people up over the years.
Al: Apparently. That’s what seems to but Christine still loves you. And in fact, Christine, love the hearts. Keep them coming. We like to feel loved.
Joe: All right. Her math is flawed.
Al: It is flawed. Agreed. What do you see?
Joe: Yeah, I don’t know what calculator she’s using. Maybe it’s an abacus.
Al: I can tell you what she did wrong. So the $100,000, you don’t add $28,000 to it. It just means you didn’t pay $28,000. So let’s start there. So the $100,000 after 10 years multiplied by two is where $200,000 times another 10 years times two becomes $400,000, not $512,000.8But you take $400,000. I’m just going to use the same tax rate that she used, 28%. Okay, 20% tax and $400,000 is-
Joe: 24%. 24% she used.
Al: Well, she used 28% in her other calculation.
Joe: Oh. Because she had to pay some capital gains on the 24%.
Al: So same. Same. So $112,000 is the tax. Subtract it from $400,000. What do you know? You get that same exact figure, $288,000. And that’s true every time you do this calculation. And for people that think they’re falling behind, cause they got less assets, you’ve got the same spending purchasing power because you don’t have to pay the tax. Now, how this gets better, by the way, is maybe you put your investments in your Roth that have a higher expected rate of return, right? Or maybe you convert in a lower tax bracket. And so you end up paying taxes later. There’s lots of ways that this can work, but that’s what’s wrong with this calculation. It’s actually same same.
Joe: So to say another way, let’s say, because I want to use her example in the sense of saying, all right, let’s say I have $100,000 that’s in a IRA. And I have $25,000- I’m going to keep the math even simpler. Just for doubling purposes. I got $100,000 in a retirement account. I have $25,000 outside of retirement account. So when I look at my statement from whatever brokerage house, it’s going to say, I have $125,000. So Christine listens to this terrible show called Your Money, Your Wealth® and she converts the $100,000 into a Roth IRA. The IRS is going to say, you know what, Christine, you owe me $25,000 for that conversion because you’re in the 25% tax bracket, please send $25,000. So Christine sends them $25,000. Now she looks at her statement and she only has $100,000 shown on the statement. So in most people’s mind, they’re like, yeah, why would I do a conversion? Because $125,000 is going to grow to a bigger dollar figure than $100,000. And I agree with that 1000%, if you ignore taxes. Because now I have $100,000. Let’s say I convert it, it’s in a Roth IRA. That $100,000 doubles over 10 years and then it doubles again. So I have $200,000. Now I have $400,000. Let’s just say it doubles over 10 years and 10 years from now. I have $200,000 in a Roth. That’s all mine. I bought out my partnership from the IRS. I can take that money and do what I want with it. However, in the other example, I had $100,000 and $25,000 in 10 years, that doubles. So my retirement account grows to $200,000 and my brokerage account grows to $50,000. So I have $250,000. So at that point, if I pull the $200,000 out of the retirement account at 25%, what is that? That’s $50,000. It’s the same same. No matter how you want to look at this, how it becomes to your advantage to have different pools of money is A) you get the partnership and the middleman out of the game. So now all of that money is 100% yours tax-free. You take the likelihood of future tax rates off the table. Wherever tax rates change to, if they go down, if they go up, you bought the tax today and you take that off the table. I think more importantly, when you have a strategy that you can take money from different pools to control your taxes in retirement, this makes the biggest difference in the world. Also, there is no required minimum distributions in a Roth IRA. Also, as it continues to grow and compound, if you die prematurely and it goes to your spouse, it goes to your spouse tax-free. If you die, both spouses die prematurely, it goes to kids or grandkids or nieces or nephews, it goes to them tax-free. It is forever, forever tax-free. So we talked about this last week, Al, would you rather have $7,000,000 in a Roth IRA? I’m going to cut you a check right now today, or $10,000,000 in a retirement account, what would you rather have?
Al: Yeah, I’ll take the $7,000,000 any day because it’s- I’ve got complete flexibility on pulling money out. See, that’s the thing is if all your money is in an IRA and you want to pull extra out for a trip or for to buy a car and it throws you into higher bracket, you’re stuck. But if you’ve got a Roth, you can pull whatever out of your IRA that you normally do and then get the rest from the Roth, stay in that same lower tax bracket. You just have so much more flexibility.
Joe: Right. So you have to look at the purchasing power of the money, not necessarily what’s on your statement. Hopefully that clears that up.
Roth Conversion, Annuities, Real Estate in Self-Directed IRA Strategy? (Erick, CA)
Joe: “Hi Joe, Big Al, Andi. This is Erick from California. My wife and I found your podcast last year and have been binge listeners ever since. Love, love, love your shows.” Wow. Thank you, Erick. “I drive a 20-year-old Toyota. My wife drives a 10-year-old Mazda, drink of choice, water. I know we are boring people.” Yes, you are. We are not going to finish this email.
Al: That’s it?
Joe: That’s it.
Al: Erick, you’re cut off?
Joe: “Here’s some background information. I’m 69 years old and plan to retire in the next year. Wife is 60, stay-at-home mom. Annual salaries $200,000, net rental income after all expenses $30,000, equity on primary residence is $2,000,000.
And $1,000,000 in the rentals. My traditional IRA and 401(k)s, $3,000,000, $2,000,000 in equity markets, $400,000 in several deferred income annuities that will give us roughly $30,000 of joint lifetime income if we start taking them next year. $600,000 in another rental property held in self-directed IRAs, which generate $15,000 of annual net income that flows back into the IRA, Roth IRA of $10,000 in mutual funds. Brokerage account, $200,000. My wife’s Social Security at 70 is $56,000. Wife’s Social Security at FRA is $18,000. Oh- my Social Security is $56,000. Wife’s $18,000. Annual expenses $120,000. I wish I had listened to your podcast and started Roth conversions a little bit earlier. I know it’s kinda too late, but never late is- but late is better than never.” There we go. “My questions are, number one, when and how much should I be converting each year on top of our living expenses? After I retire, my wife will still need health insurance before we qualify for Medicare.” Most of his, what does he got? Everything’s in a retirement account sounds like. $3,000,000- $2,000,000 dollars, or $3,000,000 in 401(k)s?
Al: Yeah, that’s the majority. Yeah, even his rental property is in an IRA, looks like.
Joe: “I would also like to convert those traditional IRA annuities to Roth IRA annuities before initiating lifetime income so that all annuity incomes will come out tax-free. I understand that all IRAs are aggregated, but what do I do to avoid the 5-year rule on earnings distribution in case that my first Roth contribution account on those annuities are held in different companies? What to do with my traditional self-directed IRA rental property? What is the best withdrawal strategy?” Man, this guy’s got a lot of questions. “What is the best strategy to fill the gaps? And we would also like to leave a legacy.” Anything else, Erick, you wanna just pile up on this?
Al: This is like a whole show, Joe.
Joe: This like 8 questions.
Andi: This is a full retirement plan spitball analysis he would like thank you very much.
Al: Where do you wanna start?
Joe: Gotta get my calculator, I gotta get some software.
Andi: Gotta get a drink.
Joe: Oh yeah. Gotta hire some staff just to help us run some numbers.
Al: Let me, I’ll tell you what, I’ll take the first one on the fly. How much should I be converting each year? First of all, it’s never too late. So you didn’t miss the party. It’s-you can still do it. 69 years old. You’re probably gonna live till 90 or 100, got plenty of time. So I’m just going to go on what you told us. You got an annual salary $200,000. I’m just going to go with that. Just make this super simple. The top of the 24% bracket, which is a pretty low bracket based upon historical times, is like $365,000. So based upon this one number, you could convert about $165,000 and stay in the 24% bracket, which would not be a bad idea. However, you have to have the money to be able to pay the tax. So you got to figure that out. But if you just look at the tax brackets you’re in. 24% is not staying. The 24% bracket’s going to be 28% in just a couple 3 years. So that would be a good idea if you could afford the tax to pay. But that’s how you think about conversions is you look year by year, look at your tax bracket and you fill up whatever tax bracket makes sense based upon your retirement plan.
Joe: So” I would also like to convert those traditional IRA annuities to Roth IRA annuities.” I don’t know how many annuities that he has, but he has $400,000 in several of them. I don’t know, you have room to stay in the 24% tax bracket. You could convert one annuity, two annuities, 3 annuities, whatever.
You convert and you just pay the tax on the conversion. So some annuity companies might let you break the contract. As long as you keep it with that same annuity company. I don’t know where your annuities are held. We don’t sell annuities. It depends on what he wants to do. He wants a guaranteed lifetime income stream. So- that’s tax-free. Sounds good to me. So convert the annuities. Let’s say you’ve got, I don’t know, 5 of them and they’re $100,000, $75,000, $50,000, whatever, you have room of at least $100,000 plus in that 24% tax bracket, just convert one each year. I don’t know.
Al: Yeah. I like that too. Yeah. Check with your annuity company because they have different rules on how to do this. And I think most of them allow that. Wouldn’t you say, Joe?
Joe: Yeah, sure. The IRA rules, but then you’d look at, okay how did you fund the IRA? He funded it with a product that will give him a guaranteed lifetime income stream. So instead of funding it with a mutual fund or with a stock or with a CD or whatever, it’s just an investment. So if you wanna convert the IRA, it doesn’t necessarily matter what’s in the IRA, you can convert it as long as you pay the taxes on the IRA and then that investment holds true. And then when he turns the guaranteed income on it’s gonna come out tax-free because now it’s in a Roth versus in a retirement account.
Al: Right. I guess what to do with the traditional self-directed IRA rental property. You know what, you may not know that you can have an IRA that invests in real estate. It doesn’t have to be stocks and bonds or that sort of thing. It could be like a rental property, but you have to have a special kind of IRA. It’s called self-directed and there’s certain companies that do this, Schwab, Vanguard, Fidelity. No, they don’t do this. It’s a separate company, to hold property. So it looks like Erick has property in a self-directed IRA. You can do whatever you want. You could sell the property in the IRA, you don’t pay any current tax because it’s in an IRA. Then you could roll that money to another IRA if you want to, you could keep the property in the IRA, it’s just personal choice. The tough thing about properties in an IRA is they require a lot of work. And a lot of times when people get older, they may not want to be the property manager and do all this stuff that you have to do. So you might want to sell it, but you don’t have to. You can just keep it in there. You will have to take a required minimum distribution, right? And if that’s your only IRA, which it’s not, but if it were, you have to take a required minimum distribution. And if there’s no money in the rental property self-directed IRA, then you’re in trouble, right? You can’t distribute property to count as a required minimum distribution. To me without spending like a half an hour, there’s a lot of reasons I don’t like to have real estate inside of an IRA, but it can be done. And if you have it, which you do, it’s personal choice. You do whatever you want.
Joe: Yep. I agree. We could- not a huge fan of having real property inside a retirement account. Retirement accounts
are awful from a tax transfer, especially if you have an illiquid asset as Al alluded to. Back in ‘08, remember that when people, some people absolutely love real estate and that’s all they believe in and that’s all they want. And they have these retirement accounts. So they just either load up on, first and second trustees and real estate. And then in ‘08, ‘09, we saw disasters happen with, people lost so much in real estate. It was in their retirement account. You can’t take losses in a retirement account. But if it was outside of a retirement account, you can, you have the better tax advantages if it’s outside of your retirement account as well. But he’s got it there. You can keep it. You can sell it. You can do whatever. Hopefully that helps Erick. Thanks for listening to us. And binge, binging. That’s scary stuff.
Al: Do you ever binge our show?
Andi: He’s only heard one.
Joe: Yeah. One episode. I’ve listened to one episode.
Al: Did you make it all the way through?
Joe: No. No. I just was like, who’s this marble mouth guy? He’s a jackass.
Al: I don’t think I’ve made it through an episode either. But for me, Joe, it’s because I already did it and I don’t have to relive it.
Joe: That’s right. That’s right. Live the journey, buddy.
Andi: See at a glance all the numbers that affect your financial strategies as you live that journey: get this year’s tax brackets and capital gains tax rates, retirement plan contribution limits, tax on Social Security, Medicare premiums, and all the current credits, deductions, exemptions, distributions, and exclusions, when you download the 2023 Key Financial Data Guide from the podcast show notes – it’s the exact same guide the Joe and Big Al use when they’re spitballing for you during the YMYW podcast. One listener said recently that, basically, this guide alone is worth the price of admission! In other words, it is priceless. To download the 2023 Key Financial Data Guide, to Ask Joe and Big Al your money questions, and to share YMYW with your friends, just click the link in the description of today’s episode in your favorite podcast app, go to the show notes, you’ll see all of that just before the episode transcript.
Can a Disgruntled Attorney Quit and Retire Now? (Billy, Joplin, MO)
Joe: We got Billy from Joplin, Missouri. “I love the podcast. I’m a disgruntled attorney that would like to quit. I like Coors Lites. I like a nice fruity cocktail with some vodka and juice. I’m 57 years old. My wife is 60 years old. We have no debt and own our home. We have about $100,000 in stock index funds inside our Roth. We have $2,400,000 in stock index funds and $250,000 in a bond index fund inside our traditional IRAs. We have $200,000 in cash. I have a deferred income payment that will pay me $100,000 per year for 10 years, starting in 2025. I’ll be near the maximum Social Security payment when I take it around 69 years old. I think our retirement budget will be $155,000. Can I retire now?” Alright, disgruntled attorney. I think all attorneys are somewhat disgruntled.
Al: I don’t think I know one that’s not disgruntled, but maybe there’s one or two out there. Anyway, you know what I think-
Joe: I’m a disgruntled financial planner.
Al: Yes. That too. So you want $155,000, you’re getting $100,000 a year for the next 10 years. So that’s probably a deferred comp program. So you need $55,000 or, compared to $2,500,000, that’s like a 2% distribution rate. Check. That’s just fine. But that $100,000 goes away. So you’re just going to have Social Security, whatever that is. So your distribution rate’s going to go up. But so are your assets because you’re only using about 2%. So that you should be growing your assets. You should be just fine, Billy. I’m going to spitball and say, yeah, I think you can retire.
Joe: Yeah, the only issue that he has is that he doesn’t get that deferred comp until 2025.
Al: So he’s got to bridge the gap, right?
Joe: You got to bridge the gap of $155,000. He’s got $2,400,000. So you take a couple hundred from there. Let’s just call it. He’s got $2,200,000. He’s going to take a 1% or 2% on top of the deferred comp, call it $2,000,000, $2,000,000 is going to grow to $4,000,000. 4 times 4 is $160,000 plus his Social Security.
He can even draw down more of that $2,400,000, Billy. Yeah, I give it a go. I give it a green light Charlie here.
Al: Me too. Two thumbs up.
Just How Bad an Idea Is Relying on the Lottery for Retirement? (Zach, Tuscaloosa, AL)
Joe: Got Zach from Tuscaloosa, Alabama. “Hey, Joe, Al, love the podcast. My wife says it drives her crazy when we go on long road trips in the car, although she’s starting to warm up to Big Al. And always asks me why his wallet’s so big.”
Al: That is a good question.
Joe: Giant wallet. Very successful individual right there. It’s kinda like George Costanza’s wallet, but full of $100 bills versus coupons.
Al: Yeah. I don’t keep credit cards. I have just the good stuff.
Joe: Just cash. “I told her, I have no idea. Anyway, my question today is sort of a goofy question, but how bad of an idea is relying on the lottery as an answer to retirement? I have family members who go across state lines just to play and they say that they haven’t hit big yet, but believe that if they play long enough, they are due to win big. I want to show them how investing can be just as exciting for their future as playing the lottery. But how should I go about doing so? Should I show them analytics over the past 30 years of how the stock market has performed? Or should I create a PowerPoint presentation by taking today’s dollars and illustrating what it could be in 20 years with a reasonable rate of return? I’d appreciate any wisdom either of you have on this matter. And also Joe, you really have mellowed out over the past few months. Love to see it.” What the hell’s going on with this?
Al: The softer side of you is coming out maybe now that you’re married with children.
Joe: Yeah. I don’t know. I don’t think so. I’m more stressed than I’ve ever had in my life. “My wife and I usually drink a little hanky panky from time to time.” Drinking some hanky panky.
Al: I think they missed a word. “I think my wife and I usually drink beer and sometimes have a little hanky panky.” I think that’s what the-
Andi: There is actually a hanky panky. It is gin, vermouth Frenette Branca. So yeah it is a drink.
Joe: A little hanky panky. What was it?
Andi: With an orange twist.
Joe: A little sex in the driveway?
Andi: Sex in the driveway. Yes. That was the other one.
Al: Got it. Okay.
Joe: All right. “And we only drive one car. It’s 2017 Smart-
Andi: For Two Pure. And I’ve got it up on screen for you. It’s a little tiny car.
Al: Oh, one of those little tiny ones.
Andi: But it’s actually called the 2017 Smart For Two Pure.
Al: Never heard that name. I’ve seen those cars on the road though. Actually, I should say I’ve seen them, I’ve seen them in the neighborhood. I don’t think I’ve seen one on the freeway.
Joe: Weren’t one of those- isn’t that the whole same car that you could jump in? You would park it anywhere and then you could jump in another one? Smart cars?
Andi: I think you’re thinking about one of those businesses that, where you can drop off and pick up cars.
Joe: Yeah. They were all over downtown San Diego. And now I haven’t seen one of those in years. Just like the whole scooter phase. Remember like you’d rent a scooter and then you would just throw it anywhere. It was just like litter everywhere.
Andi: Apparently Zach and his wife actually bought one.
Al: I think you can still park it anywhere because it’s so little you can fit-
Andi: Then you just have to worry about somebody else trying to get into it and drive it away.
Joe: But I haven’t seen one. I don’t know if that business is still in-
Andi: I can’t remember what they were called.
Joe: Smart Cars, right?
Andi: No, I’m talking about the business where you could actually pick up and drop off the vehicle.
Joe: The car, I thought it was called a Smart Car, but-
Andi: That’s the name of the car. This one is a Smart For Two Pure.
Joe: This is Smart For Two Pure. All right. Lottery. I got nothing for you here. Tell him something.
Al: Here’s what I have to say. You’re never going to convince them that stock market is more exciting than a lottery. A lottery win. That’s gotta be like near the top of the list. But what you can show them a couple of charts and show them, you know what, if you start with this today and you add this much per month, you’re going to end up with this. You don’t need a big, long PowerPoint. Just tell them and just say, you know what, it’s not as exciting, but it’s more of a sure thing. How about that?
Joe: How much are we talking about here? I wonder. So these guys-
Andi: They’re talking about it’s for the entire retirement.
Joe: They’re going across state lines. So they’re buying in Alabama. They’re going down to Florida. Yeah, they’re taking road trips to buy power balls. I wonder how much money we’re talking about here on a monthly or annual basis.
Al: Who knows?
Joe: Because, from there, then you could probably look at, all right this is what you’re spending on Powerball tickets and take that same amount and put a 7% rate of return on a monthly or annual basis and run that out over 20 years and say, you probably have more certainty if you invested this, and this is what your end results going to be versus, I don’t know, what are the odds of someone winning the lottery? It’s like one in 100,000,000 or something?
Al: It’s quite low. I used to know the CEO that the- so his strategy was to invest properly, right? A little bit at a time, rate of return grows over time, but he still did the lottery every week because that was going to be the difference between a good retirement and a great retirement. That was his thinking.
Andi: The actual odds are 1 in 292,000,000 or 0.00000003%.
Al: It’s probably more likely to be hit by lightning 100 times before you win the lottery.
Joe: Oh, yeah. All right, Zach. Good luck with that. I could just see Zach with his whole family. They all got little hanky pankys out, drinking them.
Al: As soon as he pulls out the PowerPoint, he’s going to lose it.
Joe: He’s got the PowerPoint presentation ready to go. Oh, boy. Alright, well good luck. Well, that’s it for us. Hopefully you enjoyed the show, keep the questions coming, we’ll keep answering them. Show’s called Your Money, Your Wealth®.
Andi: Joe’s show opening frog, his stalker, and Hijack in the Derails at the end of the episode, so stick around. Help new listeners find YMYW by sharing the show with your friends and colleagues, and by leaving your honest reviews and ratings for Your Money, Your Wealth® in Apple Podcasts, and any other podcast app that accepts them.
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domain: economics


A examine from Technique Analytics has discovered that after 2020 witnessed slower than anticipated development in web of issues (IoT) connections as a result of Covid-19 pandemic, with a slight general improve, comparable development charges are anticipated in 2021, with the pandemic highlighting the necessity for funding in telehealth, particularly distant affected person monitoring and diagnostics.
The analyst’s IoT mobile connections by air interface by area report highlighted that 5G accounted for lower than 1% of IoT connections in 2020, however would rise to 40% of all the general 3.5 billion mobile IoT connections by 2030, as additionally highlighted in its most up-to-date IoT market forecast and evaluation report. Nearly all of 5G connections is not going to be vital till 2026, with 4G remaining the dominant know-how over the forecast interval.
The analyst additionally predicted that the adoption of 5G would seemingly occur in several levels within the largest markets, with enhanced Cellular Broadband (eMBB) reaching mass adoption first, ultra-Dependable and Low Latency Communication (uRLLC) gaining traction quickly after, and large Machine Sort Communication (mMTC) exhibiting the longest tail.
It added that it anticipated adoption to be decided not solely by utility wants, but additionally by the supply of


WASHINGTON — While many members of the U.S. House are waiting to learn what their committee assignments will be during the newly sworn-in 114th Congress, Rep. Peter DeFazio knows he will be the top Democrat on the Transportation and Infrastructure Committee.
During the last Congress, the Springfield Democrat served as the ranking member of the House Natural Resources Committee, a position he assumed in July 2013 after Ed Markey, D-Mass., the only Democrat with more seniority, was elected to the Senate.
Under House rules, members in leadership roles on major committees, such as Transportation, cannot also hold them in minor committees, such as Natural Resources.
So DeFazio’s election to the top slot on Transportation, which opened when Rep. Nick Rahall, D-W.Va., lost his re-election bid in November, by his fellow members of the Democratic Caucus spells the end of his time atop Natural Resources.
On Thursday, DeFazio said he welcomed the move to Transportation because it offers a chance to deal with the country’s aging infrastructure: crumbling bridges, potholed highways and strained transit systems.
“Transportation has the potential to put hundreds of thousands, or millions, of people back to work and make the country competitive,” he told The Bulletin. “It is one of the least partisan committees in the entire Congress. It tends to be more productive, and it focuses on things that create jobs, and there’s actually money there to do that,” including from the Highway Trust Fund and the Federal Aviation Administration Trust Fund.
The House Natural Resources Committee, while important to his district, is much more divided along partisan lines, he said. During the last Congress, the panel produced more bills that didn’t go anywhere because of a lack of broad, bipartisan support than the rest of the House committees combined, he said.
One notable exception was the bipartisan bill to rework forest management on the federally owned O&C Lands in Western Oregon, which DeFazio co-wrote with his colleagues from Oregon, Reps. Greg Walden, R-Hood River, and Kurt Schrader, D-Canby.
The House bill would have put around half of the 2 million-plus of forested acres into a public trust to be managed for timber production, and it easily passed the House as part of a larger forest management reform bill. Sen. Ron Wyden, D-Ore., who was working on his own O&C legislation, viewed the trust as a nonstarter, effectively killing the House bill’s chances of passing both chambers and becoming law during this Congress, DeFazio said. Wyden’s plan included permanent protections for old growth forests and opened the remaining acres to logging under an “ecological forestry” model designed for sustainability.
“The Republican majority (in the Senate) is not going to move legislation that affects only one state that is opposed by both of the senators from that state,” DeFazio said. “That’s not the culture of the Senate.”
With 435 lawmakers vying for spots on various committees, House members are not guaranteed positions on more than one committee, the way Senate members are. DeFazio has asked for a waiver that would allow him to remain a member of Natural Resources, but he said he doesn’t know whether that will be possible.
DeFazio’s departure from leadership of the Natural Resources Committee follows Wyden’s decision to give up chairmanship of the Senate Energy and Natural Resources Committee in 2014 to become chairman of the Finance Committee. With Republicans now controlling the Senate, Wyden will serve as the Finance Committee’s ranking member.
For a brief period, Democrats from Oregon occupied leadership positions on Natural Resources committees in both chambers.
DeFazio’s and Wyden’s transition from natural resources panels reflects a change in Oregon’s economic priorities, said Jim Moore, an assistant professor of politics and government at Pacific University in Forest Grove.
“Oregon’s economy is moving away from reliance on natural resources, and it’s partly because of issues on the ground here,” he said. Oregon’s economy is moving toward more high tech and trade, and tax policy, good roads, bridges and air links will be needed to thrive in a more global marketplace, he said. These priorities were discussed during the Oregon Leadership Summit on Tuesday in Portland, he said.
In addition to DeFazio’s move, Schrader is trading his seat on the House Agriculture Committee for a coveted spot on the House Energy and Commerce Committee, Moore noted.
Agriculture plays an important role in Oregon’s economy, but for the last 100 years, Congress’ agriculture policy has largely focused on crop subsidies and industrial farms in Midwest, he said.
Over the past 50 years, Oregon has steadily moved away from a natural resources-based economy, he said. “Agriculture and natural resources are still important parts of (Oregon’s) economy, but they’re not the growing parts of the economy, and it’s hard to see how they become the growing parts of the economy.”
— Reporter: 202-662-7456, email@example.com


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On September 22, Smith Debnam hosted the Cynthia V. McAlister Memorial Golf Outing to show appreciation to clients and friends of the firm and to remember their former partner and friend Cynthia V. McAlister, who lost the battle with cancer over five years ago. Lonnie Poole Golf Course at NC State University was the venue for the 71 golfers, who participated in the event.
Due to the success of the event, the firm donated over $7600 to the 1 in 9 organization that assists women in Eastern North Carolina who are currently undergoing treatment for breast cancer. In addition to a base contribution, the firm also paid $25 for each birdie, $50 for each eagle, and $100 for any hole in one. The firm also sold mulligans to raise additional funds for the charity. There weren’t any holes in one, but with the mulligans, many of the teams recorded birdies and eagles.
The event concluded with dinner, prizes, and a presentation of the donation to 1 in 9. Jerry Myers, the firm’s managing partner, said, “We are truly blessed to be able to raise money for breast cancer patients while spending a beautiful day on the golf course with friends and clients.”
For more information about 1 in 9 visit http://www.1in9.com/.


One Nation senators and independent David Pocock have been granted an extra adviser each, as the Albanese government softens cuts to crossbench staff.
But the decision to give Pauline Hanson, Malcolm Roberts and Pocock six staff each instead of the slated five is unlikely to stem demands from independent MPs in the lower house that they need more staff too.
In June, Anthony Albanese cut crossbench MPs and senators’ staffing allocation from eight to five to correct perceived unfairness to other backbench MPs who only receive four staff.
The decision prompted a backlash from independent and minor party MPs, including warnings that in the Senate, where Labor does not have a majority, the crossbench could slow consideration of government legislation.
A One Nation spokesperson told Guardian Australia on Friday that “Senator Hanson consulted with the prime minister this week regarding the allocation of advisers to senators”.
“Mr Albanese better understood the need for senators to have additional advisers considering the vast amounts of legislation crossbench senators need to be across, and the fact that Queensland is a vast electorate.”
The spokesperson said both Hanson and Roberts now had “two allocated advisers” in addition to four electorate office staff, a total of six each. Guardian Australia understands Pocock has also had his allocation increased.
Jacqui Lambie and Tammy Tyrrell, the two Jacqui Lambie Network senators from Tasmania, are due to meet Albanese on Monday.
Crossbench MPs in the lower house and Senatehave been arguing their allocation should be restored from five back to seven staff, in recognition of the greater time spent scrutinising legislation without help from party colleagues’ offices.
Regional MPs Helen Haines, Rebekah Sharkie and Bob Katter were each granted more staff due to the size and remoteness of their electorates.
On Wednesday the leader of the house, Tony Burke, scotched suggestions of any prospect of varying the decision for MPs: “No, there’s not.”
Burke told Guardian Australia it was “not reasonable for them to have more staff than senior members of the opposition” such as the shadow treasurer and manager of opposition business.
He also rejected claims crossbench MPs are busier, arguing the claim backbenchers don’t take an interest in legislation “defies reality” and is “demonstrably not true”.
“This whole debate has really undermined the role that other backbenchers play. The concept that you can’t possibly use electorate staff to help with parliamentary work? Every backbencher does that.”
The House of Representatives crossbench has grown to 16, including four Greens MPs and 12 independents or minor party MPs, leading to demands for more say on how parliament is run.
Independent MP Zali Steggall is also due to meet with Albanese on Monday.
Last week, Steggall said: “The fact that this staffing situation has still not been resolved two months out from the election is causing a great deal of stress in my office, with the decision leading to the likely termination of the employment of parliamentary staff and the need to restructure the electorate office and terminate certain roles, impacting the community of Warringah.
“We are about to resume parliament and the government are also planning to present a hefty legislative agenda whilst independent MPs are under resourced and a significant number of new MPs will be unable to speak on bills until they are given the opportunity to do their first speeches.
“There is little evidence of the new respectful way of doing politics that is claimed by the PM.”
Guardian Australia has contacted the prime minister’s office for comment.


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I was provided a copy of this book in audio format en exchange for an honest review.
This is the story of Uncle Charlie vs. Satchel, a great monster, the biggest of muskies, the terror of fishermen. Charlie had been taking about Satchel for years, its fame was wide known, but nobody was able to catch it. One day Bill goes fishing with old Uncle Charlie and they will meet Satchel, which will terrorize them both.
I greatly enjoyed this short story. The details are quite vivid and it is like listening to your one of your grandfather’s old tales. This is my second book by Bill Stokes and I admire his ability to quickly trap you into his stories, which works well for the length of his tales. There is just one drawback, and it is that he leaves me wanting for more.
Johnny Mack did a good job narrating this book and giving the right inflections and emotions to the characters and narration.
I would recommend this book to anyone who would like to enjoy a good short story, just under sixteen minutes.
Available at Amazon/Audible
My name is Elena. Since I was a little child I loved science fiction and fantasy, and I can’t resist a good novel. In 2015, while wait I started to listen to audiobooks and I discovered the pleasure in being able to read while doing my daily tasks, so there’s always an audiobook playing on my phone. If you see me with my Bluetooth headphones on, please be gentle, I get easily startled.
I live with my boyfriend, which I met during my six-year stay in Belgium, four cockatiels, eight lovebirds, and a hamster in Madrid, Spain; and I like to spend my free time knitting and sewing while listening to audiobooks.