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Now, later, Williams clarified that the union would urge consumers to buy union-made vehicles first, then would urge consumers to buy cars made at nonunion factories in the U.S. before buying any imports. Meanwhile, Frank says there's a short distance between these kind of campaigns and racism. | now later williams clarified that the union would; urge consumers to buy union-made vehicles first then would urge consumers to buy cars made at, nonunion factories in the u.s before buying any imports meanwhile frank says there's a short distance between these kind of campaigns, and | Now later Williams, clarified that the union would urge consumers to buy union-made, vehicles first then would urge consumers to buy cars, made; at nonunion factories in the U.S before buying, any imports Meanwhile Frank. says there's a short distance between these kind of campaigns and | now, later, williams clarified that the union would urge consumers to buy union-made vehicles first, then would urge consumers to buy cars made at nonunion factories in the u.s. before buying any imports. meanwhile, frank says there's a short distance between these kind of campaigns and racism. |
People may know the famous case of Vincent Chin, a Chinese-American man who was beaten to death by three men in Detroit who charged him with having taken away their jobs. | people may know the famous case of vincent chin a chinese-american man who was beaten, to death, by three men in detroit who charged him with having taken away their | People may know the famous case of Vincent Chin. a Chinese-American man who was beaten to death by three, men in Detroit. who charged him with having taken away their | people may know the famous case of vincent chin, a chinese-american man who was beaten to death by three men in detroit who charged him with having taken away their jobs. |
That was after a UAW Buy America campaign in the '80s. These kind of campaigns first gained popularity during the Depression. William Randolph Hearst, the newspaper baron, came up with the slogan - like the president's - buy American, hire American. | that. was; after a uaw buy america campaign in the '80s these kind of campaigns first gained popularity. during the depression william randolph hearst the newspaper baron came up with the slogan - like the president's, - buy, american hire | That was, after a UAW; Buy America campaign in the '80s These kind of campaigns first gained popularity during the Depression William Randolph Hearst the newspaper; baron came. up. with the slogan - like the president's - buy American. hire | that was after a uaw buy america campaign in the '80s. these kind of campaigns first gained popularity during the depression. william randolph hearst, the newspaper baron, came up with the slogan - like the president's - buy american, hire american. |
And Hearst ran this huge anti-Japanese campaign, even though there are only about 100,000 people of Japanese descent in the country. And that's one of the campaigns that lay the basis for the internment of Japanese-Americans and Japanese immigrants during World War II, so this has real consequences. | and hearst ran this huge anti-japanese campaign even though there are only about 100,000 people of japanese descent in the country and that's one. of the campaigns that lay. the basis for the internment of, japanese-americans and japanese immigrants during, world war ii so this has real | And Hearst ran this huge anti-Japanese campaign even though there are only about 100,000 people of Japanese descent in the country And. that's, one of the campaigns that lay. the basis. for the internment of Japanese-Americans and Japanese immigrants during. World War II so this, has real | and hearst ran this huge anti-japanese campaign, even though there are only about 100,000 people of japanese descent in the country. and that's one of the campaigns that lay the basis for the internment of japanese-americans and japanese immigrants during world war ii, so this has real consequences. |
More recently, there were the ad campaigns of the 1970s. And for those of us of a certain age, this song may ring a bell. | more recently there were the ad campaigns of the 1970s and for those of us; of a certain age, this song may ring a | More recently there were the ad campaigns of the 1970s And for those of us of a certain age this song may ring a | more recently, there were the ad campaigns of the 1970s. and for those of us of a certain age, this song may ring a bell. |
(SOUNDBITE OF SONG, "LOOK FOR THE UNION LABEL") | (soundbite of. song "look for the union | (SOUNDBITE OF SONG "LOOK FOR THE UNION, | (soundbite of song, "look for the union label") |
(Singing) For the union label... | (singing) for the union | (Singing) For, the union | (singing) for the union label... |
(Singing) When you are buying a coat, dress or blouse. | (singing) when you are buying a coat; dress or | (Singing) When you are buying a; coat dress or | (singing) when you are buying a coat, dress or blouse. |
The UAW's Dennis Williams says the song for the Garment Workers' Union will be a template for his union's new ad campaign. | the uaw's dennis williams says the song for the garment workers' union will be a template for his union's new ad | The UAW's Dennis Williams says the song for the Garment Workers' Union will be a template for his union's new ad, | the uaw's dennis williams says the song for the garment workers' union will be a template for his union's new ad campaign. |
(SOUNDBITE OF SONG, "LOOK FOR THE UNION LABEL") | (soundbite of song "look for the union | (SOUNDBITE OF SONG "LOOK FOR THE UNION | (soundbite of song, "look for the union label") |
(Singing) To feed the kids and run the house, we work hard, but who's complaining? | (singing) to feed the, kids and run, the; house we work hard but who's | (Singing) To feed the kids and run the house we work hard but who's | (singing) to feed the kids and run the house, we work hard, but who's complaining? |
The problem was that campaign did not have an impact on shopping. Also there were very complicated politics of the Garment Workers' Union at the time. | the problem was that campaign did not have an. impact on shopping. also there were very complicated politics of the garment workers' union at the | The problem, was that campaign did not have, an impact on shopping. Also there were very complicated politics of the Garment Workers' Union at the, | the problem was that campaign did not have an impact on shopping. also there were very complicated politics of the garment workers' union at the time. |
Dana Frank points out that these campaigns, even with catchy song lyrics, almost never work. For instance, garment work essentially left the U.S. almost completely a few years after this ad ran, and after the last UAW campaign, the American car companies continued to lose market share. Sonari Glinton, NPR News. | dana frank. points out that. these campaigns even with, catchy song lyrics almost never work for instance garment work essentially left the u.s almost completely a few years after this ad ran and after the last uaw campaign, the american car companies continued to lose market share sonari glinton npr | Dana Frank points out that these campaigns even with catchy. song lyrics almost never work For instance garment work essentially, left the U.S almost completely a few years after this ad, ran. and after the, last UAW campaign the American car companies continued to lose market share Sonari Glinton NPR | dana frank points out that these campaigns, even with catchy song lyrics, almost never work. for instance, garment work essentially left the u.s. almost completely a few years after this ad ran, and after the last uaw campaign, the american car companies continued to lose market share. sonari glinton, npr news. |
(SOUNDBITE OF SONG, "LOOK FOR THE UNION LABEL") | (soundbite of song "look; for. the union | (SOUNDBITE OF SONG "LOOK, FOR THE UNION | (soundbite of song, "look for the union label") |
(Singing) Look for the union label... | (singing) look for the union | (Singing) Look for the union | (singing) look for the union label... |
(Singing) When you are buying a coat, dress or blouse. Remember somewhere... | (singing) when you are buying a coat dress or blouse remember | (Singing) When you, are; buying a coat dress or blouse, Remember | (singing) when you are buying a coat, dress or blouse. remember somewhere... |
And I'm Steve Inskeep in Cincinnati, Ohio, one of the divided states. We're meeting Ohio voters heading into this weekend of a presidential debate. After the debate, on Monday, we bring them together to ask what they thought. Esther Honig of WOSU connected us with one voter on her back porch in New Albany, outside Colu... | and i'm steve inskeep in cincinnati, ohio one of the divided; states we're meeting ohio voters heading, into this weekend of a presidential debate after. the debate on monday we bring them together to ask what, they thought esther honig of wosu connected us with one voter on her back porch in. new albany outside | And I'm, Steve Inskeep in Cincinnati Ohio one of the, divided states We're meeting. Ohio voters heading into this weekend of, a presidential debate After the debate on Monday we bring them together to ask what they thought Esther Honig of WOSU connected us with one, voter on her back porch in New Albany. outside | and i'm steve inskeep in cincinnati, ohio, one of the divided states. we're meeting ohio voters heading into this weekend of a presidential debate. after the debate, on monday, we bring them together to ask what they thought. esther honig of wosu connected us with one voter on her back porch in new albany, outside colu... |
What do you see from the back porch there? Are these really nice houses? | what do you. see from the back porch there? are these really. nice | What, do you, see from the back, porch there? Are. these really nice | what do you see from the back porch there? are these really nice houses? |
Yeah, yeah absolutely, some big, brick houses, lots of white picket fences. And this area's really touted as being one of the nicest suburbs in the country, so you have all of these big, beautiful open parks. New Albany is really well known for their golf courses, their country club. So it's definitely a level of luxur... | yeah yeah absolutely some. big brick houses lots of white picket fences and this area's really touted as being one of. the nicest suburbs in the. country so you have all of these big beautiful open parks new albany is really well known for their golf courses their country club, so it's definitely a level of luxury that... | Yeah yeah, absolutely some, big brick houses lots. of white picket fences And this area's. really touted as being one of the nicest suburbs in the country so you have all of these big beautiful open parks New Albany is really well. known for their golf courses their country club So it's. definitely a level of luxury th... | yeah, yeah absolutely, some big, brick houses, lots of white picket fences. and this area's really touted as being one of the nicest suburbs in the country, so you have all of these big, beautiful open parks. new albany is really well known for their golf courses, their country club. so it's definitely a level of luxur... |
I'm remembering a truism about your part of Ohio also - that there's a lot of Democratic votes around Cleveland, a lot of Republican votes in the southern part of the state around Cincinnati. And elections can be decided around Columbus, where things could go either way. | i'm remembering a truism about your part of ohio also - that there's a lot of democratic votes around cleveland a lot of republican votes in the southern part of the, state around. cincinnati and elections can be; decided around columbus where things could. go either | I'm remembering a truism, about your part of Ohio also - that there's a lot of, Democratic votes around Cleveland a lot of Republican votes. in the southern part of the state around Cincinnati And elections can be decided around Columbus where things could go either | i'm remembering a truism about your part of ohio also - that there's a lot of democratic votes around cleveland, a lot of republican votes in the southern part of the state around cincinnati. and elections can be decided around columbus, where things could go either way. |
Right, right. Well, Columbus is predominantly Democratic. But you go out into the suburbs and there is more of a Republican stronghold. So for example, New Albany in the last three presidential elections, actually, voted Republican. | right right well columbus is predominantly. democratic but you go out into the suburbs and there is more of a republican stronghold so for example new albany in the last three presidential elections actually voted, | Right right Well Columbus is predominantly Democratic But you go out. into the suburbs and, there is more of a Republican stronghold So for example, New Albany in the, last. three presidential elections actually voted | right, right. well, columbus is predominantly democratic. but you go out into the suburbs and there is more of a republican stronghold. so for example, new albany in the last three presidential elections, actually, voted republican. |
So who's the voter that you found there on the back porch? | so who's the voter that you found; there on the back | So who's the. voter that you found there on the back | so who's the voter that you found there on the back porch? |
This is Katie Rooney. And Katie Rooney is a mother of three, and she works from home for an investment firm out here in New Albany. | this is, katie rooney and katie rooney is a mother of three and. she works from, home for an investment firm out here in new | This, is Katie Rooney, And Katie Rooney is. a mother of three and she works from home for an investment firm out. here in New | this is katie rooney. and katie rooney is a mother of three, and she works from home for an investment firm out here in new albany. |
Why don't you hand over the phone? We'd like to say hi. | why don't you hand over the phone? we'd, like to say | Why don't you hand over the phone? We'd like to. say | why don't you hand over the phone? we'd like to say hi. |
OK. | ok. | ||
Hello? | hello? | ||
Hi, Ms. Rooney. | hi ms | Hi Ms | hi, ms. rooney. |
Hi. | hi. | ||
Hey, it's Steve Inskeep. Thanks for taking the time to talk with us today. | hey it's steve inskeep thanks for taking the. time to talk with us | Hey it's Steve Inskeep Thanks for taking the time, to talk with us | hey, it's steve inskeep. thanks for taking the time to talk with us today. |
Oh, thanks for caring what I say. | oh. thanks for caring what i | Oh thanks for caring what I | oh, thanks for caring what i say. |
(LAUGHTER) | (laughter) | ||
I hope it's nice there on the back porch. | i hope. it's nice, there on the back | I hope it's nice there on, the back | i hope it's nice there on the back porch. |
It is. It's a lovely fall day. | it is it's a lovely fall | It is It's. a lovely fall | it is. it's a lovely fall day. |
That's great. How old are your children? | that's great. how. old. are your | That's great How old are your | that's great. how old are your children? |
I have three children. My son is the baby. He's 3. And then my daughters are 9 and 7. | i have three children my son. is the. baby he's 3. and then my daughters are 9 and | I have three children My son. is the, baby, He's. 3. And then my daughters are 9 and | i have three children. my son is the baby. he's 3. and then my daughters are 9 and 7. |
So what concerns do you have about them, their lives or their future? | so what concerns do you have about, them their lives, or. their | So what concerns do you have about them their lives or their | so what concerns do you have about them, their lives or their future? |
I see the world changing, and I just want them to be good people. That means I want them to be accepting of people, no matter, you know, what their views are politically, what the color of their skin is, what god they worship. I just want them to be inclusive, and I want the world to just be a better place. | i see the. world changing and i just want them to, be good people that means i. want them to be, accepting of people no matter you know what their views are politically what the color of their skin is what god they worship i; just want them to be inclusive and i. want, the world to just be a better | I see the world changing and I just, want. them to be good people That means I, want them to be accepting; of people no matter, you know what their views are politically what the color of. their skin is what god they worship I just want them to be, inclusive and. I want the world to just be, a better | i see the world changing, and i just want them to be good people. that means i want them to be accepting of people, no matter, you know, what their views are politically, what the color of their skin is, what god they worship. i just want them to be inclusive, and i want the world to just be a better place. |
I think you said the country is changing. In what way do you feel it changing? | i think you said the country is changing in what way, do you feel it | I think you said the country, is changing In what way do you feel it | i think you said the country is changing. in what way do you feel it changing? |
Well, I feel quite a divide in our country. And I know that there's a lot of conversation about the haves and the have-nots, but really, I just think it's between people who are kind and those who are not kind. And I think that that really begins with this shift in our culture to, you know, everybody's a celebrity. And... | well i feel quite a divide in our country and i know that there's a lot of conversation. about the haves and the have-nots but really i just think it's between people who are kind and those, who are not; kind and i think that that really begins with this shift in our. culture to you know everybody's a celebrity and so ... | Well I feel, quite a divide in our country And I know that there's a lot of, conversation, about. the haves and the have-nots but really, I just, think it's between people who are kind and. those. who are not kind And I think that that really, begins with this shift in our culture to you know everybody's a celebrity An... | well, i feel quite a divide in our country. and i know that there's a lot of conversation about the haves and the have-nots, but really, i just think it's between people who are kind and those who are not kind. and i think that that really begins with this shift in our culture to, you know, everybody's a celebrity. and... |
Do you consider yourself a Republican or Democrat? | do you consider yourself a republican or | Do you consider yourself a Republican or | do you consider yourself a republican or democrat? |
I was born and raised in a Republican family, and I have mostly identified with Republican Party. And I have found myself very disenfranchised over the last several elections and don't really feel like - although I say I'm a Republican, may not necessarily line up with the views of the Republican Party, at least not my... | i was born and raised in a republican family and i have mostly. identified with republican party and i have found myself very disenfranchised over the. last several elections and don't really feel like. - although i say i'm a republican, may not necessarily line up with the views of the republican party at least not my... | I was born and raised in a Republican family and I have mostly identified with Republican Party And I have, found myself very disenfranchised over the last. several elections and don't really feel like - although I, say I'm a Republican may not necessarily line up with the views of the Republican Party at least not, my... | i was born and raised in a republican family, and i have mostly identified with republican party. and i have found myself very disenfranchised over the last several elections and don't really feel like - although i say i'm a republican, may not necessarily line up with the views of the republican party, at least not my... |
So what are you thinking about this presidential election? | so what are. you thinking about this presidential | So what are you thinking about this. presidential | so what are you thinking about this presidential election? |
I guess knute would get you a junket. | i guess knute would get you a | I guess knute would get you a | i guess knute would get you a junket. |
Okay. And you're an ace. Now, I guarantee you, though, if I were to buttonhole somebody on the street and ask him or her do you know what a recession is, most people I don't think would give that answer. That is the standard answer, and I just don't think that there's that much broad recognition of exactly what a reces... | okay and you're an ace now i guarantee you though if, i were to buttonhole somebody on the, street and ask him or her do you know what a recession is most people i don't think would give that answer that is the standard answer and i just don't think that there's that much broad recognition of exactly what a recession i... | Okay And you're an, ace Now I guarantee. you though if, I were to buttonhole somebody on the street and ask him or her do you know what a recession is most. people I don't think would give that answer That is the standard answer and I just don't think that there's that much broad, recognition of exactly, what a recessi... | okay. and you're an ace. now, i guarantee you, though, if i were to buttonhole somebody on the street and ask him or her do you know what a recession is, most people i don't think would give that answer. that is the standard answer, and i just don't think that there's that much broad recognition of exactly what a reces... |
With that said, as you may have seen today, Neal, that the government reported that the gross domestic products was scantily growing by the end of last year, these numbers are always two months delayed and so it's sort of a | with that, said. as you may have seen today neal that the, government reported that the gross domestic products was scantily growing by the end of last year these numbers are always two months delayed and so it's sort of | With that said, as you may have seen today Neal that the. government reported that the gross domestic products. was scantily growing by the end of last year these numbers are always two months delayed and so it's sort of | with that said, as you may have seen today, neal, that the government reported that the gross domestic products was scantily growing by the end of last year, these numbers are always two months delayed and so it's sort of a |
so frequently that most people don't really understand. | so frequently that most, people don't really | so frequently that most people don't really | so frequently that most people don't really understand. |
With that said, as you may have seen today, Neal, the government reported that the gross domestic product was scantily growing by the end of last year. These numbers are always two months delayed. And so it's sort of a funny thing. We all ask, are we in a recession. And we only hear two months later where we were three... | with that said. as you may have seen today neal the government reported that the gross domestic product was scantily growing by the end of last year; these numbers are always two months delayed and so it's sort of a funny thing we all ask are we in a, recession and we only hear two months later where we were three mont... | With that said as you may have seen today Neal the government reported that the gross domestic; product was; scantily growing by the. end of last year These. numbers are, always two months delayed; And. so, it's sort of a funny, thing. We all ask are we; in a recession And we only hear two months later where we were th... | with that said, as you may have seen today, neal, the government reported that the gross domestic product was scantily growing by the end of last year. these numbers are always two months delayed. and so it's sort of a funny thing. we all ask, are we in a recession. and we only hear two months later where we were three... |
Yeah, just about flat. And so we're going to have to see again economists disagree sharply about this. But again, we'll have to see. | yeah just about flat and so we're going to have to; see again economists disagree sharply about this but again we'll have to | Yeah just about. flat And so we're going to have to see again economists disagree. sharply about this, But again we'll. have. to | yeah, just about flat. and so we're going to have to see again economists disagree sharply about this. but again, we'll have to see. |
Here is an e-mail we have from Esvashai(ph) in Toronto. With more luck than brains, I sold my house at the peak of 2005, moved to Canada. But the house money is still invested in the U.S. Would you leave it there or bring it over to the border to invest in Canada where there is no war in Iraq, no housing crisis and no ... | here, is, an. e-mail we have from esvashai(ph) in toronto, with more luck than brains i, sold my house. at the peak of. 2005, moved to canada but the house money, is still invested. in the u.s. would you, leave it there or bring it over to the border to invest in canada where there is no war in iraq no housing crisis a... | Here is an e-mail we. have from Esvashai(ph) in Toronto With more luck than brains I sold my house at. the peak of 2005, moved. to Canada But the house money is still invested in the U.S Would you leave it there or bring it over to the border to. invest, in Canada where there is no war in Iraq no housing. crisis and no... | here is an e-mail we have from esvashai(ph) in toronto. with more luck than brains, i sold my house at the peak of 2005, moved to canada. but the house money is still invested in the u.s. would you leave it there or bring it over to the border to invest in canada where there is no war in iraq, no housing crisis and no ... |
Well, I - part of it, for me, would be a light question. How long is that e-mailer going to be staying in Canada? If it was a big move, I would probably tend to move my assets where I'm living or where I'm planning to. But if it's temporary, I probably wouldn't make a big switch. | well i. - part of it for me would be a light, question how long is that. e-mailer going to be staying in canada? if, it was a big move i would probably tend to move my assets where i'm living or where, i'm, planning to, but if it's, temporary i probably wouldn't make a big | Well I - part of it for me would be, a light. question How; long is that. e-mailer going to be staying, in Canada? If it was a big, move I would probably tend to move my assets where I'm living or where I'm planning to But if it's temporary I probably wouldn't make a; big | well, i - part of it, for me, would be a light question. how long is that e-mailer going to be staying in canada? if it was a big move, i would probably tend to move my assets where i'm living or where i'm planning to. but if it's temporary, i probably wouldn't make a big switch. |
Yes, you're right. The U.S. is a good example right now of a troubled economy, and there are a few others that are quite as troubled-looking as ours. At the same time, we remain a very strong economy. Canada specializes in some of our favorite sectors right now. If you look at metals, oil and gas, railroads, some of th... | yes you're right the u.s is a good example right now of a. troubled economy and there are a few others that are, quite as troubled-looking as ours at. the same time, we remain a very, strong economy canada specializes in some of our favorite sectors. right now if you look at metals oil and gas; railroads some of the be... | Yes you're right The U.S is a good example right now of a troubled economy, and there are a few others that are quite as; troubled-looking as, ours At the same time we remain a. very strong economy. Canada specializes in some of, our favorite sectors right now If you, look at metals oil and gas railroads some. of the b... | yes, you're right. the u.s. is a good example right now of a troubled economy, and there are a few others that are quite as troubled-looking as ours. at the same time, we remain a very strong economy. canada specializes in some of our favorite sectors right now. if you look at metals, oil and gas, railroads, some of th... |
A lot of people, though, are asking, you know, the loonie suddenly looks like a more stable currency than the dollar, certainly so does the euro. How do you make investments in those kinds of things? | a lot of people though are asking, you know; the loonie suddenly looks like a more stable, currency than the dollar certainly so does the euro how do you make investments in those kinds of | A lot of people though are, asking you know the loonie suddenly looks like a more stable currency than. the dollar certainly so does the euro How do you make investments; in. those kinds of | a lot of people, though, are asking, you know, the loonie suddenly looks like a more stable currency than the dollar, certainly so does the euro. how do you make investments in those kinds of things? |
Well, I think - first of all, you can outright buy foreign stocks on for exchanges. And so that's always an option. I know that it doesn't look good right now for the U.S., but I do - I have a lot more faith in the U.S. economy and in our innovation and our ability to bounce back that maybe in the doldrums of a potenti... | well i think - first of all you can outright buy foreign stocks on for exchanges and so that's always an option i know that it doesn't look good right now for the, u.s., but i do - i. have a lot more faith in the u.s economy and in our innovation and our ability to bounce back that maybe in, the doldrums of a potential... | Well I think - first of all you can outright buy foreign stocks, on for exchanges And so that's always an option I know that it doesn't look good right now for the U.S., but I do - I; have a lot more faith, in the U.S economy and in our innovation and our ability to bounce, back that maybe in the doldrums of a potentia... | well, i think - first of all, you can outright buy foreign stocks on for exchanges. and so that's always an option. i know that it doesn't look good right now for the u.s., but i do - i have a lot more faith in the u.s. economy and in our innovation and our ability to bounce back that maybe in the doldrums of a potenti... |
While I know it's frustrating to see our currency deflate, it's also worth remembering there are benefits to that, too. U.S. exports up markedly and surprising economists when that data came out this morning. So if we start looking at some U.S. companies that - whose products are now being purchased more frequently abr... | while i know it's frustrating to see our currency deflate. it's also worth remembering there are benefits to that too u.s exports up markedly and surprising economists when that data came out this morning so if we start looking at some u.s companies that - whose products are now, being purchased more frequently abroad ... | While I know it's frustrating to see our currency deflate, it's also worth remembering there are benefits to that too U.S exports up markedly, and surprising economists when that data came out this. morning So if we start looking at some U.S companies that - whose products are, now being purchased more frequently. abro... | while i know it's frustrating to see our currency deflate, it's also worth remembering there are benefits to that, too. u.s. exports up markedly and surprising economists when that data came out this morning. so if we start looking at some u.s. companies that - whose products are now being purchased more frequently abr... |
Let's get some callers on the line. This is Anne(ph), Anne with us from Colorado. | let's get some callers on, the line this is anne(ph), anne. with us from | Let's get some callers, on the line, This is, Anne(ph), Anne with us from. | let's get some callers on the line. this is anne(ph), anne with us from colorado. |
Hi. | hi. | ||
Hi, Anne. | hi | Hi | hi, anne. |
Thanks for taking my call. | thanks for taking my | Thanks for taking my | thanks for taking my call. |
Sure. | sure. | ||
I am wondering, I have a substantial 401(k) plan and I'm probably 15 years away from retiring. And I'm wondering if it's better maybe since my investments aren't doing well to borrow from my 401(k) and pay off my mortgage. | i am wondering i have a substantial 401(k) plan and i'm probably 15 years away from, retiring and. i'm wondering if it's better maybe since my investments aren't doing well to borrow from my 401(k) and pay off. my | I am wondering I have a substantial 401(k) plan and I'm probably. 15 years away from retiring, And I'm wondering if it's better maybe since my investments. aren't doing well to, borrow from my 401(k) and pay off my | i am wondering, i have a substantial 401(k) plan and i'm probably 15 years away from retiring. and i'm wondering if it's better maybe since my investments aren't doing well to borrow from my 401(k) and pay off my mortgage. |
Yeah. And in general, Anne, I would not recommend doing that. We don't really like to borrow. If you're ever going to borrow against your 401(k), I would suggest doing so in small amounts. But a lot of people have gotten in trouble by doing that, especially in the last two years. And I just don't think - it isn't an ex... | yeah and in general anne i would not recommend doing that we don't really like to borrow if you're ever going to borrow against your 401(k), i would suggest doing so in small amounts but a lot of. people have gotten in trouble by doing that especially in the. last two years and i just don't think - it isn't an example.... | Yeah And in general Anne I would not recommend doing that We, don't really like to borrow If you're ever going, to borrow against your 401(k), I would suggest doing so in small amounts But a, lot of people have gotten in trouble by doing that especially in the last two years And I just don't think - it isn't an. exampl... | yeah. and in general, anne, i would not recommend doing that. we don't really like to borrow. if you're ever going to borrow against your 401(k), i would suggest doing so in small amounts. but a lot of people have gotten in trouble by doing that, especially in the last two years. and i just don't think - it isn't an ex... |
Well, why would it be - why would you be inviting trouble? | well why, would it be - why would you, be inviting | Well why would, it be - why would you be inviting | well, why would it be - why would you be inviting trouble? |
Well, you know, if the value of your 401(k) declines, if you're borrowing too much from your 401(k), some people are borrowing from their 401(k) to buy depreciating assets like a new car. There are lots of reasons that it's not at a broad mainstream level a good answer. That said, Neal, there are certainly are exceptio... | well you know if the value of your 401(k) declines if you're borrowing too much from your 401(k), some people are borrowing from their 401(k) to buy depreciating assets like a new. car there are lots of; reasons that it's not at a broad mainstream level a, good answer that said. neal there are certainly are exceptions ... | Well you know if the value of; your. 401(k) declines if you're borrowing too much from your 401(k), some, people are borrowing from their 401(k) to buy depreciating assets like a new car There are lots of reasons that it's not at a broad mainstream level a good answer That said Neal, there are certainly are exceptions ... | well, you know, if the value of your 401(k) declines, if you're borrowing too much from your 401(k), some people are borrowing from their 401(k) to buy depreciating assets like a new car. there are lots of reasons that it's not at a broad mainstream level a good answer. that said, neal, there are certainly are exceptio... |
Me? Oh, Anne. Anne, have you done it? | me? oh anne anne have you done | Me? Oh Anne, Anne. have you done | me? oh, anne. anne, have you done it? |
I have not done it, but I'm in a position now where I don't have much tax benefit because my mortgage is so small. | i, have not done it but i'm in a position now where i. don't have much tax benefit because my mortgage is so | I have not done it; but I'm in a position now where I don't have much tax; benefit because my mortgage is so | i have not done it, but i'm in a position now where i don't have much tax benefit because my mortgage is so small. |
You're paying off principal rather than interest. | you're paying off principal rather than | You're paying off principal rather, than | you're paying off principal rather than interest. |
Yeah. I feel like if I pay myself back at an interest rate that maybe I would be better off since I'm not making money in the market right now anyway. | yeah i feel, like if i pay myself back at an. interest rate that maybe i would be better off since i'm not making money in the market right now | Yeah. I feel like if I pay myself back. at, an interest rate that maybe I. would be better off since I'm not making money in the market right now. | yeah. i feel like if i pay myself back at an interest rate that maybe i would be better off since i'm not making money in the market right now anyway. |
Well… | well… | ||
No strong feelings here. I mean, certainly, with a lot of - it sounds like a lot of your mortgage is paid off. That changes the calculus a little bit. | no strong feelings here i mean certainly with a lot, of - it sounds like a lot of your. mortgage is paid off that changes the calculus a little | No strong feelings here I mean certainly, with a lot, of. - it. sounds like a lot of your mortgage is paid off That changes the calculus a little | no strong feelings here. i mean, certainly, with a lot of - it sounds like a lot of your mortgage is paid off. that changes the calculus a little bit. |
It is. The mortgage is, you know, very small. So I just been trying to figure out a way to, you know, not watch my investments go down. And I thought that might be a way to - if I ended up debt-free and paid myself back that maybe in the long run I would do better. | it is the mortgage is you know; very small so i just been trying to figure out a way to, you know not watch my investments go down and i thought that. might be a way to - if i ended up debt-free and paid myself back that maybe in the long run i would do | It is The mortgage is you know very small So I just been trying to figure out a way to you know not, watch my investments go down And, I thought. that might be, a way to - if, I ended up debt-free and paid myself back that. maybe in the long run I would do | it is. the mortgage is, you know, very small. so i just been trying to figure out a way to, you know, not watch my investments go down. and i thought that might be a way to - if i ended up debt-free and paid myself back that maybe in the long run i would do better. |
Oh, they vary. We have Visa. We have MasterCard. We have Macy's. We have Mervyns. We have Home Depot. So they're - I think Home Depot is the highest. It's probably 10 or 19 percent. | oh, they vary we have visa we have mastercard we have macy's we have mervyns we have home depot, so they're - i think home depot is, the highest it's probably 10 or | Oh they vary We have Visa We have MasterCard, We have Macy's We have Mervyns We have Home. Depot So they're - I think Home Depot is the highest It's probably 10 or | oh, they vary. we have visa. we have mastercard. we have macy's. we have mervyns. we have home depot. so they're - i think home depot is the highest. it's probably 10 or 19 percent. |
And what would be the lowest? | and what would be the; | And what, would be the | and what would be the lowest? |
Lowest credit card rate. | lowest credit card | Lowest credit card | lowest credit card rate. |
That's right. | that's, | That's | that's right. |
Well, I'm somebody who doesn't necessarily hasten to pay off mortgage debt especially if it's at a lower interest rate, but I understand. And I think for a lot of us, if it is a substantial question. That is if it's something that would cause you to sleep at night or, let's say, six figures are involved, at the stage I... | well i'm somebody. who doesn't necessarily, hasten to. pay off mortgage debt. especially if it's at a, lower interest rate but i understand and i think, for a lot of us if it is a substantial question. that is if it's something that would cause you to sleep at night or let's, say six figures are involved at the stage; ... | Well. I'm; somebody who, doesn't necessarily hasten to pay off. mortgage debt especially if it's; at a lower interest, rate but I, understand And I think for a lot of us if it is a substantial question That is if it's something that would cause you to sleep at night or let's say six. figures are involved at the stage I... | well, i'm somebody who doesn't necessarily hasten to pay off mortgage debt especially if it's at a lower interest rate, but i understand. and i think for a lot of us, if it is a substantial question. that is if it's something that would cause you to sleep at night or, let's say, six figures are involved, at the stage i... |
Okay. | okay. | ||
But it sounds like you may be in the latter stages here, Anne. And I'm not necessarily going to dissuade you strongly because it sounds like you've got a better head on your shoulders than most people who have asked that question at the Motley Fool. | but it sounds like you may be in. the latter stages here anne and i'm not necessarily going to dissuade you strongly because it sounds like you've got a better; head on your; shoulders than. most people who have asked that question at, the motley | But, it sounds like you may be in the latter stages; here Anne And I'm not necessarily going to dissuade you strongly because it sounds like you've got a better head on your shoulders than most people who have asked that question at the Motley | but it sounds like you may be in the latter stages here, anne. and i'm not necessarily going to dissuade you strongly because it sounds like you've got a better head on your shoulders than most people who have asked that question at the motley fool. |
(Soundbite of laughter) | (soundbite of | (Soundbite of | (soundbite of laughter) |
Okay. Thank you. | okay thank | Okay Thank | okay. thank you. |
And thanks for the phone call, Anne. Bye-bye. | and, thanks for the phone call anne, | And thanks for the phone call Anne | and thanks for the phone call, anne. bye-bye. |
Let's talk now with Giovanna(ph). Giovanna is with us from Kansas City in Missouri. | let's talk now with giovanna(ph). giovanna, is with us from kansas, city, in, | Let's talk now with Giovanna(ph). Giovanna is with us from, Kansas City, in | let's talk now with giovanna(ph). giovanna is with us from kansas city in missouri. |
Yes. Hello, Neal, I love your show. | yes hello neal i love your | Yes Hello Neal I love your | yes. hello, neal, i love your show. |
Well, thank you. That's so nice of you. | well thank you that's so nice of. | Well thank you, That's so nice of | well, thank you. that's so nice of you. |
See, my question is regarding our 401(k) and IRAs. We have - I mean, I follow them pretty close. And since September, we have lost quite an amount of value on our accounts. The only ones - the only funds that are doing good are the international-based funds. And would it be convenient to just move the funds, the ones t... | see my question is regarding our 401(k) and iras we have - i mean i follow them pretty close and since september we, have lost quite an amount of value on our accounts the only ones - the only funds that are doing good are the; international-based funds and would it. be convenient to just move the funds the ones that a... | See my question is regarding our 401(k) and. IRAs We have - I mean I follow them pretty close And since September we have lost quite an amount of value on our accounts The. only ones - the only funds that are doing good are the international-based funds And. would it. be convenient to just move the funds the ones that ... | see, my question is regarding our 401(k) and iras. we have - i mean, i follow them pretty close. and since september, we have lost quite an amount of value on our accounts. the only ones - the only funds that are doing good are the international-based funds. and would it be convenient to just move the funds, the ones t... |
Well, the problem with that Giovanna is that it's hard to sometimes know when that's going to happen. And if there were a magic bell that rang to let you know the market is about to turn around then you would probably make the right decision. But I think most of us have done well by simply remaining invested in the 401... | well the problem, with that giovanna is that it's hard to sometimes know when that's going. to happen, and if there were a, magic bell that rang to let you, know the market is about, to, turn around then you would probably make the right decision but i think. most of us. have done well by simply remaining invested in, ... | Well; the problem with, that. Giovanna is that it's hard to sometimes know when. that's going to happen And if there were, a magic bell that rang to let. you know the market is about to turn around then, you would probably, make the, right decision But I think most of us have done well by simply remaining invested in t... | well, the problem with that giovanna is that it's hard to sometimes know when that's going to happen. and if there were a magic bell that rang to let you know the market is about to turn around then you would probably make the right decision. but i think most of us have done well by simply remaining invested in the 401... |
And you have to understand that one year out of every three, the stock market, historically, has declined. Historically, very few people have proven real consistent ability to predict which one out of every three years that will happen. And so I think we make mistakes when we start to - try to time our way into and out... | and, you have. to understand that one year, out of every, three the stock market historically has. declined. historically very few people have proven real consistent ability to predict which one out of every three years. that will happen and so i think we make mistakes when we start to - try to time our way into and ou... | And you, have to understand that one year out of. every three the stock market historically has declined Historically very few people have proven real consistent ability, to predict which one; out of every, three years that; will happen. And so I think we make mistakes when we start to, - try to time our way into and o... | and you have to understand that one year out of every three, the stock market, historically, has declined. historically, very few people have proven real consistent ability to predict which one out of every three years that will happen. and so i think we make mistakes when we start to - try to time our way into and out... |
So that - nobody likes that. Psychologists tell us the pain of loss is three times the joy of gain. So we always feel it a lot harder when things go down. But with that said, I do believe that if you are at least, let's say, 10 years away from retirement, and most of us are, I would recommend that you just stay invest ... | so that - nobody. likes that psychologists. tell us the pain of loss is three times the joy of gain so we always feel it a lot harder when things go down but with. that said i do believe that if, you are at least let's say 10 years away from retirement and most of us are i would recommend that, you, just; stay invest a... | So that - nobody; likes that Psychologists tell us, the pain of loss is three, times the joy. of gain So we always feel it a lot harder when things go down But with, that said I do believe that if you, are at. least let's say 10 years away from retirement and most of us are I would recommend that, you, just, stay inves... | so that - nobody likes that. psychologists tell us the pain of loss is three times the joy of gain. so we always feel it a lot harder when things go down. but with that said, i do believe that if you are at least, let's say, 10 years away from retirement, and most of us are, i would recommend that you just stay invest ... |
Mm-hmm. | mm-hmm. | ||
Good luck, Giovanna. | good luck. | Good; luck | good luck, giovanna. |
Okay. Thank you. | okay thank | Okay Thank | okay. thank you. |
And thanks so much for the phone call and for your kind words. | and thanks. so much, for the phone call and for your kind | And thanks so much for the phone call and for your kind | and thanks so much for the phone call and for your kind words. |
We're talking with David Gardner of The Motley Fool. | we're talking; with david gardner of the. motley | We're talking with David Gardner. of The Motley | we're talking with david gardner of the motley fool. |
You're listening to TALK OF THE NATION from NPR News. | you're listening to talk of the nation from. npr | You're listening to TALK OF THE; NATION from NPR | you're listening to talk of the nation from npr news. |
And, David, I did want to ask you about a news item we saw this week. IBM announced that they're going to be buying back millions-dollars worth of their own stocks. What does that generally tell you about the company when they are deciding to that? | and david. i did want to ask you about a news item we saw this week ibm announced that they're going to be buying back millions-dollars worth of their own stocks what does; that generally. tell, you about the company when they are deciding to | And David. I, did want to ask you about a news item we saw this week IBM announced that they're going to be buying back millions-dollars worth of their own stocks What does that generally tell you about the company when they are deciding to | and, david, i did want to ask you about a news item we saw this week. ibm announced that they're going to be buying back millions-dollars worth of their own stocks. what does that generally tell you about the company when they are deciding to that? |
Well, every company has a bank account like you and I have, Neal. And so the company has the decision what it wants to do with that money in the account. And two primary decisions that they make are, number 1, let's reinvest it in our business. Let's, gosh, let's come out with the iPhone. Let's make some new products a... | well. every company has a bank. account like you and i, have neal, and so the company has the decision what; it wants to, do with that money in the account and two primary. decisions that they make are. number; 1, let's reinvest it in our business. let's gosh let's come out. with the iphone let's make, some new product... | Well every company has a bank account like you and I have. Neal And so the company has the decision what it wants to do with, that, money in the account And two primary decisions that they make are number 1, let's reinvest it in our business, Let's gosh let's come out with the iPhone Let's, make some new products and, ... | well, every company has a bank account like you and i have, neal. and so the company has the decision what it wants to do with that money in the account. and two primary decisions that they make are, number 1, let's reinvest it in our business. let's, gosh, let's come out with the iphone. let's make some new products a... |
Now, companies specifically that decide to buy back shares, we generally favor at the Motley Fool. Why? Because the fewer shares out there, the more ownership of earnings in the future that company by those shareholders that have retained their shares. So when, all of a sudden, a company that, let's say, had 100 millio... | now companies specifically that decide to buy back shares we generally favor at the motley fool why? because the fewer shares out there the more ownership of earnings, in the future that company by those shareholders that have retained their. shares so when all of a sudden a company that let's say had 100 million share... | Now companies specifically that decide to buy back shares we generally favor at the Motley Fool Why? Because the, fewer shares out there the more ownership of earnings in the future that company by. those shareholders that have retained their shares So when all of a sudden a company that let's say had 100 million share... | now, companies specifically that decide to buy back shares, we generally favor at the motley fool. why? because the fewer shares out there, the more ownership of earnings in the future that company by those shareholders that have retained their shares. so when, all of a sudden, a company that, let's say, had 100 millio... |
Companies that enough cash in the first place, that have positive cash flow and can buy back their shares, end up, in many cases, being the best companies that hold for the long-term. So I'm not a big follower of IBM. Either way, those really, really big companies like that - Wal-Mart, others - don't quite interest me ... | companies that enough cash in the, first place that have positive cash flow and can buy back their shares end. up in many cases being, the best, companies, that hold for the long-term so i'm not a big follower of ibm either way those really really big companies, like that - wal-mart others - don't quite interest me as ... | Companies; that enough cash in the first place that have positive cash flow and can buy back their shares end up in many. cases being the. best companies that hold for the long-term So I'm not, a, big follower of IBM Either way those really really big companies like that - Wal-Mart others, - don't quite interest. me as... | companies that enough cash in the first place, that have positive cash flow and can buy back their shares, end up, in many cases, being the best companies that hold for the long-term. so i'm not a big follower of ibm. either way, those really, really big companies like that - wal-mart, others - don't quite interest me ... |
So a lot of the companies in the Neal Conan portfolio we've talked about fit that kind of mid-cap strategy that you've been deploying as well. So as far as IBM, I'm not excited or not by the stock, but I do like share buybacks. | so a lot of the companies in the neal conan portfolio we've talked about fit, that, kind of mid-cap strategy, that you've. been deploying as well. so as far as ibm i'm not excited or not, by the. stock but i. do like share | So a lot of the companies in the Neal Conan portfolio we've talked about fit that kind of mid-cap strategy that you've been. deploying as well So as far as IBM I'm not excited or. not by the, stock but I do like share, | so a lot of the companies in the neal conan portfolio we've talked about fit that kind of mid-cap strategy that you've been deploying as well. so as far as ibm, i'm not excited or not by the stock, but i do like share buybacks. |
Nice to know I had a strategy. I didn't know that before. | nice to know i had, a strategy i didn't know that | Nice, to know I had a strategy I didn't know that | nice to know i had a strategy. i didn't know that before. |
(Soundbite of laughter) | (soundbite of | (Soundbite. of | (soundbite of laughter) |
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