to skip the 401(k) and go straight to an ira immediately. debra in california, debra >> caller: hi, jim thanks for taking my call. >> you're quite welcome. >> caller: i have a two-part question regarding the value of listening to a company's earnings conference call >> okay. >> caller: the first part is how can we decide what we want to do, in other words, what action we want to take, based on the earnings report since the stock frequently will behave in a contradictory fashion to the report for example, a company can report good earnings but guide lower on the revenue and earnings going forward, and the stock will go up the second, you might think it should go down, right? the second part of my question is, i'm on the west coast, so the calls frequently are at 7:00 and 8:00 a.m. eastern time for me, the value of listening to the call is diminished because i'm not going to get off at 4 or 5:00 a.m. to listen to it so i'm not really going to take any action on that. >> here's the solution to this, deborah, you have no gun to your head, unlike

and $2.4 million prop k and a.a. funds to this project five years ago and this funding has made this busy arterial safer with narrower traffic lanes, bus shelters, raised cross wa*ux, street trees, benches and street lights among other safety improvements. i also want to thank the chinatown community development center for their long-term advocacy for these important improvements as well as the public works staff who actually redesigned portions of the project with chinatown c.d.c. and i look forward to celebrating the opening of that and i want to thank members of the public who put up with a year of frustrating construction and i know that they are relieved and pleased. another major vision zero project that we at the t.a. have funded with a combination of local and regionally provided federal funds is the m.t.a.'s masonic avenue complete streets project, which is finally complete. which spans three supervisorial districts. it's a full redesign of masonic street to geary. includes wider sidewalks and new median, pa

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. 401(k) plans have a proven record. 401(k) plans have worked.ly all employees in large corporations have access to them. but there are about 42 million americans, 1/3 of the private workforce, that doesn't work for a large corporation but that works for a small business, and most of these small business employers can't provide access to the same quality 401(k)s. with so many americans working for small businesses, and so many without access to work place retirement plans, there is a real danger that today's economic opportunity will not translate into savings for the future. so step back and imagine, if you will the small businesses here in charlotte could ban together and say, as a group, we're going to provide a retirement option for our employees. administered by one central entity, chamber of commerce, for example, who is represented up here today. imagine the administrative savings, but also imagine the portability when an employee goes from one small business to another small business, it's the same 401(k) plan. a portable 401(k) plan from

governor k-6 in ohio, governor has come in tennessee. they're willing to challenge the status quo without outside results. the >> what is the value added? >> it's a question of what is the right roles. three things. one is a focus on equity. fight for all children and those behind the nose for special needs of those whose civil rights have been violated. secondly, there has to be a commit them to excellence. high standards for everybody. the fact we spent seven, eight to $9 billion each year in young people who go to college and have to take remedial classes. they are paying college tuition, taking high school classes and getting college credit for it. no one wins with that. finally, it will really be innovation to put money behind best practices. those three things equity, excellence and innovation are absolutely appropriate and have creativity at the local level. >> in your eight years there, what are your greatest accomplishments in your view? >> perceiving my successes and failure. i love that we put more than a billion dollars behin

my name is chris, i'm a k-9 instructer for the field operations national k-9 program. i'm waiting on my prop. he will probably be coming through the door any minute. we'll have a field operations narcotic detections k-9 team. .his is officer stone and k-9 this team narcotics detection just like all is trained and certified to detect fentanol. we have approximately 460 dogs right now narcoticwise throughout trained to detect narcotics. approximately a year-and-a-half ofo decided to do a double blind study to determine if k-9 teams trained to detect narcotics as currently trained ould be able to detect fentanyl. then that we eeded to train our dogs to find fentanyl. i am glad to say that within a span of a year we trained over 450 dogs. our operational k-9 instructors conducted this training in the field. the training was completed find fentanyl. in , ril of 2018 and fentanyl like heroin, can cause an overdose within k-9s just like humans. for the last 20 years we have issued naloxone to our k-9 teams and i am proud to say we've never had an exposure or overdose to fenta

is your 401(k) leaking? it may sound odd, but it's a serious problemt could put your retirement at risk. >> those stories and much more tonight on nightly business report for monday august 13th. >> good evening, everyone, and welcome. stocks start the new week where they left the last one, with declines. investors are concerned about the financial crisis in turkey, that its currency tumbling on friday about that worry spread to markets around the world. and dampened enthusiasm for stocks worldwide. cks marked e, s four-day losing streak. turkey is trying t toe action to stem the financial fallout, and reassure investors about the country's fiscal conditions. willa mar reports for us tonight from istanbul. >> reporter: president erdoganh spent weekend railing against foreign powers in the economic war they've launched against turkey. this morning, the country said the bank ppomised to s local banks with as much liquidity as they needed. the country's interior minister about toe investigate m than 300 social m

eight k. screen and saves it in a cloud privacy groups are unarmed child nor infinite source because it i won't have one link device that an entire smart home that means being monitored from a variety of different areas of. the data is saved and can be put together if i then connect these to my facebook or google profile i become a completely transparent and these organizations have information about me that i probably don't even know about myself. as if civilization is to rise. into connected devices are the biggest trend here and experts say it will soon be impossible to buy gadgets that aren't collecting our date. and worse press over to our if a reporter. we just heard high take is now all about devices that collect our data so a visitor reacting to that. well monica you have to remember this is the germany germans are traditionally very particular about giving away their data about sharing their data and that's also the sentiment often met with here many times even a group of teenagers to

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how can you become a 401(k) millionaire?sk than jeannie thompson, senior vice president of fidelity. she comes with tricks and tricks with how you can become a millionaire, too jeannie, your first trip and maybe it's surprising to some, but people just don't own enough stocks and bob was alluding to that because of the life span of and people are living into their 80s. >> and their 90s if you start working at age 25, you've got 40 years working, and potentially another 30 in retirement if you invest too consentively in the beginning, you'll never make it. >> i'm curious, and i know it's all individual say you turn 50. what could your allocation be, reasonably >> around 50 the typical target date fund still has 85% in equities and you still have 15 to 17 years before you have to retire and potentially another 30 years in retirement and so we really do recommend that you stay, you know, 90, 80%, 90% equities all of the way into your 50s >> wow you have to know what your end goal is. invest with purpose. >> that's right. we do

and the prop-k live ranting goal has been i met. while i appears that they're on track to deliver the program as promised, we found it challenging to navigate the t.a. website in the annual report to obtain basic information on thing like status or progress. the information is there, but in so many places, that where t showcasing their accomplishments. for you it could be stats on items such as how many items were planted, muni vehicles purchased or how many paratransit trips were provided. all that information is there but requires a lot of searching to get to that info. and then as you prepare your annual report, you could improve the process to q.c. the data presented just to ensure the information is as accurate as possible. similarly for your website, really just provide a prop-k home page dash board to that showcases all there are packets that are volumous and often not as easy to digest or to go through and that is a challenge because you want to be sure that your yes or no vote represents what you think is best for the agenc

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k four is even is most important client. he sold about five hundred liquor bottles per year to customers from the camp plus numerous wooden coats of arms that. there was almost always a demand for souvenirs and gifts. now are ben and even share the same fate with the german armed forces withdrawing they're about to lose their biggest client they'll have to reorient their sails where will he find the money for his family even doesn't know yet that it will. not is when the owners gave us security if we didn't have anything else and this at least keeps us busy. but what are we to do now. one of the more we want to stay in contact with the people who are here with k four and send our products to them. through. america called the to send them to germany austria and switzerland most of all the shine of the mammoth fights is. not very brandy for most of all one battle is for are being. compared to kosovo's villages prison is a vibrant metropolis with some two hundred thousand inhabitants. after nato intervened twenty years ago the

one was investing in high quality pre-k. i would argue that is the best investment we can make getting our babies to a good start ready to be successful. we put more than $1 billion behind that helped hundreds of thousands of children have access. we fought for high standards. we want young people to graduate from high school able to go to college and take college classes . the pfeiffer high standards was controversial at happy to do that. we were able to get graduation rates up to all-time highs of 84%. a long way to go but that progress. we focused on higher education. a big investment in community colleges. 58-year-old going back to retrain. that is important. $40 billion behind programs to make college more affordable. did that without going back to taxpayers for a nickel. we thought that was common sense. host: a couple of criticisms come from valerie strauss about your book and administration saying what you did focus on was onhing systems that relied standardized test scores a method of assessment experts warned was u

philip k. dick only left north america once and nine hundred seventy seven he attended a conference on science fiction in france that has now become a cult event. this speech. is a topic. for the standard mission. and which may not exist today. while the california based novelist almost never left his suburban home he invented extraordinary worlds infused science philosophy and religion. since his death in one nine hundred eighty two the writers legacy of no less than forty five novels and one hundred twenty short stories aren't from the place beside the greatest writers such as cop orwell was. maybe. we should. perform for you say everything or nothing. and listening to the mind between reality and imagination. but think. about these books true gives you a logical artificial world global surveillance destruction or empathetic. hollywood has embraced his life's work and turned many of his novels and short stories because of such a hard labor honor minority report and told. philip k. dick storie

rob oliver was an agonising fourth in the final but better news for gb in the women's able—bodied k—1eslie wharton. she is traditionally a marathon distance specialist but showed talent for the sprints as well. she surprised even herself. initially i was just looking to make the final and i was thinking top five would be good, and it wasn't until the last 100 metres that idealised where i was. it is amazing. coming off over the weekend jea nette amazing. coming off over the weekend jeanette chadlington is back in action on saturday and going head—to—head with fellow paralympic champion, that should be fascinating, the best of the action on the bbc sport website. this gb have already added six medals to their tally on day five of the european para athletics championships in berlin. david devine won great britain's first track medal of the day with victory in the t13 5000—metres. that's on top of the silver he won in the 1500m earlier in the week. there's also been double medal success for poly maton. she's added t47100m bronze to the long jump bronze she won this morning. is my coach h

the writer philip k. dick only left north america once in one nine hundred seventy seven he attended a conference on science fiction in france that has now become a cult event the mission each. is a tropical. fish dish told of mission valley. and which may not have just a little. while the california based novelist almost never left his suburban home he invented extraordinary worlds and science philosophy and religion. since his death in one nine hundred eighty two the writer's legacy of no less than forty five novels and one hundred twenty short stories aren't in the place beside the greatest writers such as topical or well or awesome and maybe jam in a day does not mean should therefore i'm sure you should read everything or nothing . in the same. worms the line between reality and imagination. i think throughout his books true visions of ecological disaster artificial world global surveillance destruction were in the set of. hollywood has embraced his life's work and turned many of his novels and short

philip k. dick only left north america once in one nine hundred seventy seven he attended a conference on science fiction in france that has now become a cult event the same edition each. to tell the. british standard mission. and which may not edition. well the california based novelist almost never left his suburban home in venice extraordinary worlds infused science philosophy and religion since his death in one nine hundred eighty two the writer's legacy of no less than forty five novels and one hundred twenty short stories aren't in the place beside the greatest writers such as top orwell or oslo and maybe canada. should. therefore i'm pretty sure everything or nothing. in this. world is the modern between reality and imagination. and i think. about his books true visions of ecological artificial world's global surveillance destruction or empathetic programs hollywood has embraced his life's work and turned many of his novels in short stories. such as early on or minority report and told.

high speed it continued to move once inside the body it was fired from an assault rifle like the a k forty seven or a or fifteen the cartels favorite weapons. faced with such deadly firepower the mexican police have taken on a paramilitary appearance kept on edge governor who has agreed to show me what his officers have to deal with when battling heavily armed drug cartels. we've arrived here at a peak in the violence since april twenty seventh teen close to one hundred people have been killed in. including several police so they are on high alert is this how you normally travel in a convoy we never know what is going to be on the racial. this streets look deceptively quiet but it's in transit we're most attacks. you can see the normal people walking in and you never know who is walking yeah so everybody could be a cartel in exactly the impact of the cartels gun battles is clearly visible in residential areas. because of the bullets over the wall were it was a classic or the cardinals were inside the. start of. the clash at the time there were like nine people killed. the violence ha

a new segment we're calling the 401(k) >> start saving as soon as possible, right?esn't matter whether or not you've saved up until this point. for the rest of your life today is the best day to start saving. so don't not having done it keep you from making the same mistake again. that's the important thing and that's first and the second thing, this is so important, use the company match. companies are allowed to contribute to your 401(k) to up to 3% of your salary this is free money if you can do this every year, get free money, there's no reason you shouldn't do that you contribute 6% or more. they will contribute up to 3%. remember, this keeps compounding. so if you're really young and if you're a millennial here, let's see what -- you have to decide whether you'll need the money for retirement and say 60. when you're young, you want to have a much more aggressive composition to your portfolio. >> 80/20, stocks to bonds and you consider that riskier and also likely to have higher returns and if you have a longer time for that cocompound, meaning you lose money a

k. k. and always work with turkey including intelligence cooperation against the p.k. k. the united states has never ever supported the p.k. k. when the when isis invaded syria it attacked the kurds the kurds did not attack isis and when the kurds asked for help turkey declined the us agreed to help and now isis has been largely defeated secondly this is actually about the relationship for years turkey has used the most abusive language about the united states and about its about its leaders president obama was accused of direct knowledge of the attempted coup in two thousand and sixteen the government in turkey has used the most abusive language against the united states and i think it's the united states that deserves a little respect here this is a bounded problem it can be solved it doesn't need to escalate beyond this and turkey and the united states have a lot of common interest in that region they could cooperate on if we can move past this point and a lot of that the fans upon th

does not exclude the k r.g. from this process. the k r.g. has taken several steps to raise international awareness and support survivors and alleviate those suffering. there is more we should do. the k r.g. was the first government to recognize isis crimes as genocide. we establish the high committee to gain recognition internationally for this. the k r.g. has encouraged the u.n. and icc to investigate isis and create a hybrid court to put them on trial in addition to local courts. 2018 the k r.g. prime minister's office and security helped 3350 state prices. 3100 and two remain in captivity. refugees fromted million perng 1.8 we have provided resources to the christian churches. our have made sacrifices. 11,000 have been injured. to all ethnic and my messageomponents to all of bus is to stay in our homeland, stay in your homeland. we can together with the help of our international partners do our best to build a prosperous future for all. we see strength in diversity. we do not claim perfection but we have a coulter of harmonious coexistenc

thank you. >> president k. brandon: thank you. is there any other public comment? >> good evening, i'm kevin carol, the executive director of the hotel -- i'm here to support the project, i have served on the subcommittee, i'm passionate about the waterfront. our hotel industry and board of directors supports this project. i think it will bring the activation to the waterfront that is exciting, not to mention jobs. an organization and hotel can always bring a lot of activation that will help with keeping activities on the street, really focused on what they should be, which is welcoming our visitors and guests to san francisco. so i would encourage your continued support and i thank you for your time. >> president k. brandon: thank you. is there any other public comment? seeing none, public comment is closed. commissioner makras? >> delighted to see the neighborhood group support the project. thank you. i would like to start, since this has been an ongoing project for a while, i would like to start with the representative from the

. >> president k. brandon: thank you. >> commission, that concludes the presentation. >> president k. brandon: thank you. danny campbell? >> thank you, madam president, commissioners. danny campbell. i'm a representative with the sheet metal workers, local 104. i want to say briefly jay and his team reached out very early to us in the san francisco building trades unions and committed to partner with our local union contractors here. which, as a result will mean good careers for local residents and our city's use through state-approved apprenticeship programs. they listened to our concerns very early on. and we are excited seeing the theater returning as darius mentiond in san francisco. it's a great project. my colleague, just to confirm what darius said, my colleague ian lewis with the hotel workers was here earlier but had to leave. he wanted me to convey their support for the project. so thank you. >> president k. brandon: thank you. is there any other public comment? >> president and commissioners

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philip k. dick only left north america once in one nine hundred seventy seven he attended a conference on science fiction in france that has now become a cult event. this feature. is a tactic. which a spin distended mission. and which may not appreciate it. while the california based novelist almost never left his suburban home he invented extraordinary worlds infused science philosophy and religion. since his death in one nine hundred eighty two the writer's legacy of no less than forty five novels and one hundred twenty short stories earns a little place beside the greatest writers such as top of the well. maybe. there's no you should listen i'm free to say everything or nothing. in the songs. what is the line between reality and imagination. to. think through out his books true busy ecological artificial world global surveillance destruction more empathetic more hollywood has embraced his life's work and turned many of his novels and short stories because if you don't present such a timely m

breaks have become more and more common about fifty six people overdose from k two in brooklyn i'm a one hundred overdose in lancaster county pennsylvania and july twenty seventeen and forty people overdose in dallas texas i'm a twenty fourteen so it's there aren't as many deaths from this key to but what happens is they have mass elucidations and they turn into like zombies and they just fall over in the middle of the intersection like those shows are sick coming out of hollywood the walking dead or verizon b. movies various horror movies the popular culture is reflecting the guise of the zombification of the american population and cashing in on the box office while the pharmaceuticals cash in the cash register while the politicians cash in on insider trading while the media cashes in on high ratings but unfortunately nobody in the real economy is cashing in they're all going bankrupt and here again like where in this crisis situation of the institutions failing the american population a great majority of them the elites are concerned they recognize that the population does not hav

a meeting with the commander of the german k. for contingent christan. with the law good morning lieutenant colonel. it's a good morning mr graham glad you're here please have a seat. so the time will come next week on wednesday when i can hand off the troops and then fly home again next friday. and i wanted to take this opportunity to speak with you personally to thank you very much for the work you have done for all of us of course but especially for me for me and we thank you very much. i think the city and the inhabitants of printable remember the german cave for for many years to come. peace and to every need and live their entire mission. the entire german mission most successful here again i'm here at hawkeye they dusted well that's right and we've noticed that the people here are very grateful and respect for what kay for has done here especially the germans it's very nice for us to not only know but to field a strategy and i believe that everyone now understands that we have accomplished our mission here and i think president has developed well

even the eight k. television except to have a tough time it screen might show images four times clearer than today's four k. models but most t.v. channels don't even offer such shop teaches in the first place. a popular theme is the linking up of machines and people like adopt this device for example meshes your body's vital functions it then shows the data on an eight k. screen and saves it in a cloud privacy groups or not and charge be any more infinite ciscos if i want to have one linked up device that's an entire smart home that means being monitored from a variety of different areas. of the data is saved and can be put together because if i then connect these to my facebook or google profile i become. completely transparent and these organizations have information about me that i probably don't even know about myself but you can buy a socialistic as if that's it europe today with the latest from the world of business have a great weekend. cut cut. cut. cut cut cut. cut. cut cut cut. cut cut cut. c