Sentences with phrase «money out of the change»

Not exact matches

In my NYT bestselling book, Killing Sacred Cows, I warn people of the 15 major problems of the 401 (k), including: you're not the owner but only the beneficiary of your 401 (k), the government can change the rules at any time, you can't get to the money until 59 1/2, and the fees are typically much higher than most investments out there because you've added complexity and layers of administration and legal fees.

For example, if someone robs a bank and steals all the money out of the vault, customer account balances don't change; they're protected.

If you need to make a change, you can trade out of one holding and move money into another, but be sure to consider the effect of transaction charges and taxes before making any changes.

In theory, you could hold an individual bond to maturity and never lose any money even though the market value of the bond may fluctuate based on changing interest rates and other factors (but you could still lose out to inflation over time).

[01:10] Introduction [02:45] James welcomes Tony to the podcast [03:35] Tony's leap year birthday [04:15] Unshakeable delivers the specific facts you need to know [04:45] What James learned from Unshakeable [05:25] Most people panic when the stock market drops [05:45] Getting rid of your fear of investing [06:15] Last January was the worst opening, but it was a correction [06:45] You are losing money when you sell on corrections [06:55] Bear markets come every 5 years on average [07:10] The greatest opportunity for a millennial [07:40] Waiting for corrections to invest [08:05] Warren Buffet's advice for investors [08:55] If you miss the top 10 trading days a year... [09:25] Three different investor scenarios over a 20 year period [10:40] The best trading days come after the worst [11:45] Investing in the current world [12:05] What Clinton and Bush think of the current situation [12:45] The office is far bigger than the occupant [13:35] Information helps reduce fear [14:25] James's story of the billionaire upset over another's wealth [14:45] What money really is [15:05] The story of Adolphe Merkle [16:05] The story of Chuck Feeney [16:55] The importance of the right mindset [17:15] What fuels Tony [19:15] Find something you care about more than yourself [20:25] Make your mission to surround yourself with the right people [21:25] Suffering made Tony hungry for more [23:25] By feeding his mind, Tony found strength [24:15] Great ideas don't interrupt you, you have to pursue them [25:05] Never - ending hunger is what matters [25:25] Richard Branson is the epitome of hunger and drive [25:40] Hunger is the common denominator [26:30] What you can do starting right now [26:55] Success leaves clues [28:10] What it means to take massive action [28:30] Taking action commits you to following through [29:40] If you do nothing you'll learn nothing [30:20] There must be an emotional purpose behind what you're doing [30:40] How does Tony ignite creativity in his own life [32:00] «How is not as important as «why» [32:40] What and why unleash the psyche [33:25] Breaking the habit of focusing on «how» [35:50] Deep Practice [35:10] Your desired outcome will determine your action [36:00] The difference between «what» and «why» [37:00] Learning how to chunk and group [37:40] Don't mistake movement for achievement [38:30] Tony doesn't negotiate with his mind [39:30] Change your thoughts and change your biochemistry [40:00] The bad habit of being stressed [40:40] Beautiful and suffering states [41:50] The most important decision is to live in a beautiful state no matter what [42:40] Consciously decide to take yourself out of suffering [43:40] Focus on appreciation, joy and love [44:30] Step out of suffering and find the solution [45:00] Dealing with mercury poisoning [45:40] Tony's process for stepping out of suffering [46:10] Stop identifying with thoughts — they aren't yours [47:40] Trade your expectations for appreciation [50:00] The key to life — gratitude [51:40] What is freedom foChange your thoughts and change your biochemistry [40:00] The bad habit of being stressed [40:40] Beautiful and suffering states [41:50] The most important decision is to live in a beautiful state no matter what [42:40] Consciously decide to take yourself out of suffering [43:40] Focus on appreciation, joy and love [44:30] Step out of suffering and find the solution [45:00] Dealing with mercury poisoning [45:40] Tony's process for stepping out of suffering [46:10] Stop identifying with thoughts — they aren't yours [47:40] Trade your expectations for appreciation [50:00] The key to life — gratitude [51:40] What is freedom fochange your biochemistry [40:00] The bad habit of being stressed [40:40] Beautiful and suffering states [41:50] The most important decision is to live in a beautiful state no matter what [42:40] Consciously decide to take yourself out of suffering [43:40] Focus on appreciation, joy and love [44:30] Step out of suffering and find the solution [45:00] Dealing with mercury poisoning [45:40] Tony's process for stepping out of suffering [46:10] Stop identifying with thoughts — they aren't yours [47:40] Trade your expectations for appreciation [50:00] The key to life — gratitude [51:40] What is freedom for you?

[05:50] Do it for passion, not for money [06:10] The importance of innovation and marketing [06:30] Start with a mission and finding how to add value [06:50] Joe Gebbia's trajectory over a decade [07:10] Culture is the ultimate element to building your brand [07:40] Namale Resort [08:00] Finding a way to do more for others than anyone else [08:45] The beauty of competition [09:15] Don't just advertise, become the expert [09:25] Value - added marketing [09:40] It takes 16 impressions to inspire buying behavior [10:10] Do something where marketing isn't marketing [10:30] The 17 - year old kid in real estate [11:35] Find a way to stand out from the crowd — the trash strike example [14:10] Authenticity plays a critical role [16:00] Building reciprocity with your customers [17:00] Double the value you add [17:20] Bringing innovation and marketing to the forefront [18:35] Innovation can mean raising your price [18:55] What innovation really means [19:25] Changing the way something is perceived [20:55] The man who was copying Tony constantly [22:00] Does change happen in a second?

Save your money while enjoying your home, and when the time comes for you to make a change (family, empty nester, change of scenery), you can rent out your home and buy another.

AARP: Retirement Planning CFA Institute: Retirement Security Choose to Save: Ballpark E$ timate ® Edelman Financial Services LLC: Retirement & Estate Planning Financial Mentor ®: Retirement Calculators How to Save Money for Retirement (retirement savings guide) IRS: Adding Automatic Enrollment to Section 401 (k) Plans — Sample Amendments IRS: Changes in Your Life May Affect Retirement Planning IRS: Help with Choosing a Retirement Plan NEFE Financial Workshop Kits Retirement Series Preparing for Retirement from DOL Save it Like You Mean It: The (Non-Scary) Guide to Retirement Planning Saving Matters from DOL U.S. Department of Labor: Taking the Mystery Out of Retirement Planning WISER: What Women Need to Know About Retirement

One of the things that happens is a lot of startups get pulled into the system and that's unfortunate, because it turns out that when you've got this thing that's 18 % of GDP and you start following the money flows, you enter a market in one place with a very altruistic notion that I'm going to change things, and ask things morph, it turns out you're actually just helping the system get bigger and helping people collect, if you will, as a leach against the system.

Yes, there was a one - time gain recorded of $ 2.5 billion due to an accounting change, yes the government had to give Citigroup last - resort rescue money 3 times totaling 10's of billions of dollars and yes, Vikram has had to whack out whole lines of business and thousands of employees to stay afloat.

Money: A story on changes in Mega Millions lottery game on Oct. 25 left out several states and the District of Columbia that initially are offering the Just the Jackpot option at its inception that happened Saturday.

If savers start pulling their money out of savings accounts and banks want to attract more money, that may change.

Wolff set out to write an honest guide to the changing media landscape, based on a clear - eyed evaluation of who really makes money and how.

Of course, paying what you charge the next month is ideal, so if you find yourself maxing out your credit card then you should give considerable thought to changing your expenses, such as freeing up money by avoiding going out to eat, or even cutting the cable bill.

I have heard remarkable stories about how families have sacrificed eating out once a month and used that money to change the stories and lives of those overseas.

Gas pump money is a necessary out of pocket expense for every single American, it is the single most dramatic change Obama can effect.

Without getting into a great deal of song and dance about a side topic, I'll just say that I believe our GDP growth would explode as companies rushed to establish operational headquarters in the US, and the changes in the individual income tax codes would have a chilling effect on both the Wall Street money churners (people would be rewarded for going long with their investments instead of shuffling money around to chase pennies) and the out - of - control executive compensation at the expense of the long - term health of the company.

Complexities and changes in financial situations will stress you out, so when it comes to your food budget, you need a stable set of money saving recipes that you can rely on week in and week out.

With Alton Brown as the devilish provocateur, nothing is out of bounds when money changes hands and we see just how far chefs will go to ensure they have the winning dish.

With Alton Brown as the devilish provocateur, nothing is out of bounds when money changes hands and we see just how far one chef will go to ensure they have the winning dish.

Even though I had to change some things around (due to lack of ingredients / time / money) they turned out delicious.

We can dream all we want about getting world class players in and we can have as much money to splash out on big name transfers but it is not going to happen until there is a change of manager.

As simple as that.All these young players will never develop under Wenger and to be honest i don't want him to spend any further monies, it will simply be a waste.I want this man out of Arsenal Fc and if that means we fall to mid table so be it.Achieving 4th place just keeps him his job and whats the point of that.The club needs CHANGE and with him in charge this will never happen.So we need to take some more pain before we get the gain

In order to facilitate such wide - sweeping changes this club needs to start exerting it's financial might or we must be willing to do whatever is necessary to force this money - grubbing Yank out of North London.

The Malaga manager Mr Pellegrini said at the time: «Economically, the club had to make a change based on what had been proposed [there was a lot of financial trouble — owner threatened to pull out over TV money] and we had to sell Santi Cazorla.

Instead, out of fear of not selling enough shirts and tickets, they allowed us all to believe that our «cycle of change» included both keeping Sancez and Ozil as well as spending lots of money, where in reality it was one or the other.

or simply trying to prove us all wrong again by showing that he could play just about anybody anywhere and win a game on the road against a top opponent; something he hasn't done in quite some time... regardless of the reasons, there is simply no excuse for the goings - on at this club... unfortunately it's unlikely that any real change will come without a dedicated effort on the part of those that feed the beast... our absentee landlord doesn't invest his own money into this club, so in order to force out Kroenke, Wenger and whatever other vermin currently haunt our hallowed halls we need to hit him where it really hurts... continually filling «his» stadium and the constant buying of endless merchandise, like one of the 58 different jerseys available over the last few years, makes us the greatest enablers of all time... have we no self - respect?

i get annoyed at one or two Spanish clubs they point the finger and get their man two clubs get something like 60 % of the Spanish TV money how is that fare however i heard they might change that soon to share out more equally among all the teams

Spoiler Alert people, we are not getting anyone in the front striker position OTHER than what we already have, there was a story in the star yestrday about the 250 million wenger is looking to spend on the likes of Marco Ruess ect ect and I really can not believe that after all these years the Prof will change his ways and spend all that money and evern if he was going to he needs to pull his finger out as all the top players are being strongly linked with other clubs, meanwhile we wait for the brat Vardy to make up his mind when we know he is highly unlikely to come to us another summer of dissapointment for us as wenger has already stated that Giroud will lead the line next season.

I'm so sick of people telling those of us who are disgruntled fans to relax and give this club time to correct itself... for anyone who believes that taking a wait - and - see approach is appropriate at this juncture they should take a good long look at themselves in the mirror because they are a big part of the problem... no other «big» club's fans would stand for this shit for nearly as long as we have... think about it, we've witnessed a changing of the guard at every major club in England, Spain, France and Germany in the last several years because those «big» clubs failed to live up to expectations (Barcelona, Real Madrid, Bayern, PSG, Chelsea, ManU, ManCity etc...)... for some reason, many fans have become as fragile as our current manager, believing that there couldn't possibly be a suitable replacement, even though everyone of these clubs have found multiple replacements and still achieved far more than our club... this mindset has been created by an organization that has been milking it's fans, telling countless lies (no world class players available) and lowering expectations every since they rolled out the biggest lie of all: that we couldn't spend because of the new stadium but once it was paid off we could compete with any team in the world... this organization is rotting from the inside out and if we don't demand that those in charge put soccer first this despicable behaviour won't end with Wenger's ridiculous 2 year contract... I think the real fear isn't that a suitable replacement doesn't exist, but that this organization is so money hungry and poorly mismanaged that we will sink even lower by choosing our next coach the same way they choose our players, on the cheap... even so, we need to see what mustache will do if left to his own devices so he will have to show his true colours... only then can we purge this club and start anew

Well written, but I think it will fall on deaf ears, my fear is as follows, it will take a loss in money for the manager and board to change, this will only come if we finish out of the top 4, but knowing the board they would still give home a season to try again, I feel very sorry for Sanchez, he is total quality and deserves better, most of the other players look settled, turn up give70 % and get paid, no matter what level you play at you should come off the pitch thinking I gave everything, how many of our players could say that, they lack motivation, player for player we are as good if not better than athletico Madrid but they have a manger that gets 100 % out of every player, Klopp is the same, but why would they leave their clubs to come here with a boar that cares about money not entertainment, Wenger was a lucky manager he inherited a top defence now his luck has run out

Although I've found it very cathartic to speak, vent and end occasionally rant about all things Arsenal, we need to act carefully and intelligently right now or we're going to get played by this club even worse than at present... the pro-Wengerites and the suits, who represent a considerable proportion of the season ticket holders, don't want to believe that there is no plan and that Wenger has mailed it in for several years now or that things are going to get much worse before they get better... why would they... many have spent a considerable sum buying some of the highest priced tickets in the World... they want to have a front row seat to see something special and to be seen doing so, which simply provides ample justification for the expense and the time invested... to many of them, Wenger is the sun in their soccer universe... his awkward disposition, misplaced arrogance and his utter lack of balls makes him a rather unusual cult figure, but the cerebral narrative seemed to embolden those who already felt pretty highly of themselves... many might not even of really liked football that much before his arrival and rarely games they weren't attending... as such, they desperately believe that Wenger, and only Wenger, can supply them with their required fix... if he goes, they were wrong and that's a tough pill to swallow... they would have to admit that they were duped... they will definitely resent whoever made them feel this way, but of course it will be too late by then... so when we go overboard with ridiculous comments bordering of anarchy, it scares the shit out of them and they shift their blame towards us rather than at those who really perpetrated this act of treason... we aren't the enemy... we simply woke much earlier and the reason our comments have gotten more vile in recent years is out of utter frustration... in order for any real change to occur at this club we need to bring as many supporters as possible with us or the big money interests will fade and our ultimate objective will be lost... so it's time to focus on the head instead of the heart for now

The Football Club was once a beacon of local identity and community; the peoples game now its all about big money, global markets and foreign ownership as club names and colours are changed to satisfy markets other than traditional supporters and ordinary supporters are marginalised and priced out of watching their local club.

We're not a big club in terms of trophies but we're definitely a big one in terms of money so don't come out and change your model from Bayern Munich (reason of building a new stadium initially) to Leicester (a one off because they won the chip).

It should now be Wenger telling Vardy that Arsenal have changed their minds about signing him... and pull out of the deal asap... It's already an embarrassment, so the quicker it's put to bed the better... We have the money, so ionstead of aiming for the bargain basement, Wenger should just pay the 60 million asking price for Aubamayng and show some class for a change..

Why would they be bothered everyone has bought there season tickets so they have that money now, Shirt sales would have gone well so they also have that money to, Most people new Arsenal would not change, But to be even worse is a joke, That is what we are, We must get Kronke out of our club first.

(3) this team is rotting from the inside out and it's going to take some unprecedented moves on the part of this board and the fans to facilitate the necessary changes... this club must rid itself of it's absentee billionaire landlord before we become just another sporting wasteland in this man's collection of flailing clubs... when this is done it will expose just what exactly has been going on behind the scenes and I'm afraid of what will be uncovered because if Wenger's business model is as antiquated as his football philosophy it could look an awful lot like and old Monty Python sketch in the backroom... we need to replace the owner with someone who actually cares about this club and isn't afraid to wear their emotions on his or her sleeves or spend their own money to achieve greatness... this new owner needs to find someone who represents the same sort of cutting edge that Wenger represented in his early years then pair that individual with someone who knows how to conduct transfers in the modern era... then and only then will we find a way to escape the malaise that has permeated our once storied club for way too many years

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

Arsenal need a personel change from top to bottom starting with: 1) The Board — no money spent when we needed it to give us a shot at competing to win but again price the fans out of watching at the Emirates, pocket the money and sit back watch Wenger make them millions like the puppet he is!

I agree with the likes of money talk and rkw and plenty more fans that believe Wenger deserves all the positive criticism he gets.He has two seasons to prove himself before he bows out and believe me when I say most will request for change when them two seasons finish and Arsenal still has not challenged.

they just need to totally change the way they do business, bring in a proper director of football as Sullivan clearly isn't up to it, stop lying, get that column out the Sun and start spending an amount of money matching what they take in.

Take lobbying out of politics and rhrow doctors in jail for accepting money and gifts from Pharma and you'll see how much everything will change.

However, even if I have learnt to eat scorching hot or cold meals, I have barely any money to spend on myself, I have never before existed on so little sleep and have to take a car load of things on a trip out, I wouldn't change it for the world, to see that little cheeky smile every morning.

Also, Allyson Kapin (of Rad Campaign and Frogloop fame) and Amy Sample Ward have a new book out, called Social Change Anytime Everywhere: How to Implement Online Multichannel Strategies to Spark Advocacy, Raise Money, and Engage your Community.

If Cuomo were serious about «bringing effective change to State government» he'd be dismantling redundant Authorities and consolidating agencies while sending the parasitic top management bureaucrats who infest them out in the street to seek private sector employment, where they belong, forcing the sale of all those SUVs issued to bigwigs at the Office of Children and Family Services to get more money into the State's coffers, and implementing other radical cost - cutting measures.

As Reynolds's fortunes change, he's gone from the guy in charge of doling out money to congressional Republicans in tight races to an embattled incumbent who needs his own backup.

He continued: «Jacqui Smith should concentrate on getting the basics right first: an integrated border force with exit controls so we know who is coming in and out of the country; proper planning and money for local authorities dealing with sharp population changes; and greater promotion of integration.»

Today I'm setting out a plan of action to get all the changes we need delivered in just 100 days — making it possible for MPs to be sacked by constituents, abolishing the House of Lords, getting corrupt money out of politics and changing the electoral system to give everyone a voice.

He called for the re-denomination of the naira, adding that owners of looted funds could come out and change their money.

«We think there's an inherent corruption risk in having your state university system, which has a different set of rules than state agencies, be the one that's handing out enormous sums of money,» Kaehny said at a news conference in Albany where several watchdog groups called for the changes.