Gadgetory

hey welcome to the 404 show on this friday may 29th 2015 thank you so much for tuning in to our little program our little corner of cnet where we can just be ourselves for the day mmm who are you normally I'm someone else am I wearing I wear many masks all you Rudy most of the time as you do zelig two my nice mm you get that reference at all Wow Woody Allen movie no I haven't seen anybody uh huh stop the show who's not the Jew here not even about being an honorary I was named an honorary last by who you know when did i do that here is you her lawyer justice here you know what I find out my brother's a doctor right and your lawyer hey you got the problem is you don't know Woody Allen movie so you're out sorry we bounced I mean you know you could lose an honorary tag fine yeah you're at would be the last thing you'd admit at your Jewish equivalency test right like I've never seen a Woody Allen movie or really or a mel brooks movie I've seen lots of mel brooks movies so well that they're kind of go hand in hand as far as I'm concerned Mel Brooks more slapstick you've kind of stuff that when I was a kid like oh I saw space balls before Star Wars alright alright that works for me hey Jeff wait wait what was so chill is here with you hold your horses there / and Jer yes how do you welcome to the show is hello sir I want to get my loan why can't one yeah all right you're back in again that was easy see it's a low bar there's not that many people want to come in so we'll take a lot yeah Oh mad so okay so Jill you're you're just like surfing on your children first of all the reason is I was supposed to go visit the Prince Prince back alarm my son today but I can't butt in it doesn't matter anyway because I'm gonna have to go guard there's a baby gift I'm handing Jeff hey let me just do a theater of the mind like the scrubber so now uh this is all audio I i sent Jeff an email yesterday I'm like there's no there's no video anymore I can I just like not come made up or anything and he says absolutely it's only audio which you could have totally fooled me it could be video right now anyway um so you in my so I'm late today yeah because i left the present at home oh no should I ran back I was at the subway I get back to the subway it's like 14 minutes for the next train which is insane I get into a cab it's insane I get out of the cab and get into the subway okay so basically your tardiness is my son's fault well I spent thirty five dollars getting hit let me just say that okay so different and just put this right on the Dylan gift so what I have handed Jeff ladies in the crowd is a beautiful blue box and if you're a lady with expensive taste you would know that that's from Tiffany oh my goodness it's that teal seafoam green can I shy open this right Billy yeah because I mean will Stacy be mad i don't i don't know but does she listen to the show anymore sometimes she's busy she's very busy open it up are on i just could hard to your local car because i think that it goes it sort of fee matically works for for me on the show and oh I really sealed that I looked a little unopenable um look Jeff well the suddenly realize you have real man hands I got big hand you do and I have big hands but they're sort of skinny lady hands Oh can't you only kind of reiterate it Dylan hashtag aunt Jill hopes this give gift sends a message can't wait to meet you XO Jilly sent on I think I know I think I know what that means mmm Omaha steak yes all right it's a large rock a production value in these Tiffany boxes are no joke I mean right you can reuse that oh here comes the bubble wrap hold on shall we I as yeah oh yeah we're loving him yeah he'll pop little holy work okay hold on a second now so Jeff is removing the gift from the box there's so much bubble I wrapped that you would think it was wrapping my guys they even have branded Scotch taste so Tiffany is not messing around by the way Tiffany reporting earnings earlier this week that knocked your socks off and the stock was up another twelve percent so it's not just me oh my god so do would you like to miss this is it sort of infamy piggy bank correct but the thing is so it's actually or not a pig it's it's an elephant an elephant but it is in the shape of it Oh Higgy back oh my gosh it's over the top prices something it's totally not useful so in other words usually what I will say is the young couple their starting out what do they need they need a hundred dollar gift certificate to diapers.com right forget it no I never do that at Tiffany's I don't think bang I get a bank to thank you so much to give Dylan the right message from aunt Jill yeah oh he's gonna now he's gonna know when when all this is returning zero percent interest okay exactly do when his emergency reserve fund is three to six months with his nonexistent Social Security doesn't kick it like an IOU on the very base of it but what is your interest by Jill yeah amazing thing about places my pleasure and I do hope to meet the prince very shortly as do I now the reason I as you didn't know this but I sent this email to jeff saying like I have I can't come visit the prince I have huge news right so this is like the second part to the to the story here correct and jeff says what like I think you were worried were you a little worried when you said it I was like is it it sounded like it was the it was the pretty like that the precipice of like I'm moving quitting getting I'm going to Japan forever on so let me just try to put this give you the best visual so I'm going scrolling through my phone right now looking for the best picture now aunt Jill wants to invite uncle ayahs and uncle jesse is oh no those I've are too adorable are those Terriers those are two tiny Terriers are they your dog yes chef Jackie and Jill have finally landed into motherhood this is these are the two most adorable I this is a great photo of them to on guys we were with our friend who's a photographer so all my friends are like wow these are such nice pictures your iphone is really I might forget it's my iphone it's almost stop it what I say what are their names and how old and what L story they are 10 weeks old yesterday um and there's a lighter one in a darker one that you can't see but here's the lighter one and her name is Lady Beatrice of North Sea lady be uh she's known as Trixie nice and then the darker one is um known as a princess charlotte charlie so that's Trixie and charlie yeah and they are about four pounds right now are in your bag they are they could be with me right now to the Tiffany box I have yet another box and they so here's what happened we were like okay I was one of the things that I used to do is radio for a one of our CBS own stations dan in Washington DC mm-hmm and like about six weeks ago they basically said you're out we don't want you anymore really yeah now it's not because of me but there's all sorts of things going on then like they're going broke okay what's so understood so they let me go and I'm freaking out and I say to jacket call Jackie oh my god I can't believe it she goes wait a minute now cuz i used to have to be on the air between I'd to be up at five o'clock in the morning and on the air basically every half an hour till ten a.m. right she's immediately says we can get a dog now she's like oh this opens us up for dogs exactly so then I start doing the hunt so look up nor which terriers oh I know you're which deaths that's the dog from Best in Show exactly so um so what happens was I found these I found this like wackadoo breeder yeah cuz they're all crazy and they really that's not sorry to it was a blank if I may have you if you ever dealt with some of these people they are literally they're intense yeah they're intense know I just I had these two girls we wanted to adopt a girl and they were too and you know the two left two girls left of the litter they were four weeks old you have to wait till they're eight nine weeks old and and then Jackie was in London and i was in san francisco on business and like i'm in the airport and I call her up and I said call me right now and I said think she goes I know what you're going to say you want to take both of them and I said yes so do i oh my god good for you guys congratulations yeah so we're mobile so what's the deal where they're there in the apartment right now ripping it apart i'm pretty sure so how no you're gonna get like walkers are you gonna train them like oh yeah totally we got the trainer lined up yeah I got this amazing vet who I love right she makes house calls that's come on it's awesome something else and like oh I think she gave him shots last night in my apartment I was like freaking out or they all like super lethargic after they're a little more daughter right eyes when you give a dog a shot there just like molasses yeah like one of mine does that yeah the one still looks like she's completely fine right after she got that is the same one that's that situation around iceland what kind of dogs you have two yellow labs oh so beautiful they're like gonna be nine in about two weeks oh well I am so this is very big deal for us we're old yes you know we're married / too late we're too late to get started exactly and it was easy yeah yeah it was really for me certainly uh oh my god so I as a showing us these unbelievable pictures of the beautiful cause this is the this is the Dropcam I actually gave an eye on them oh that's them right now in case something weird happens at the apartment oh that's the one you might have to come to my apartment and you hook that up for me it's really easy yeah just can t nothing yeah you'll be yo bailed even you could hear that out chill I wouldn't go crazy anyway so it's been amazing they are up right now in their gated area which is could you know could like basically be mayhem when I get back right so hence I cannot stay here for three hours but how great is it coming home to those get the best oh the best right is so great so that's well congrats big noise awesome is that better news than you thought it was gonna be oh it's wave happier okay whenever I hear news my immediate gut reaction is like think the worse you know why worse that is also a part of being Jewish yeah I think if I don't I don't know why that is as I'm not work out there yeah there's just no in the Torah there no there's not like a semicolon and they have parenthesis it's really it's very interesting it's devoid of all emojis exactly let me just I'm just going to show you a quick video here because it's a quick one here the two-step they your they're too cute right that dog that breed is so freaking adore that it's really it's very cute they'll get to be about 10 maybe 12 pounds because they could be fatties you know we could affect girls something tells me you're gonna spoil the crap out of these do and they're okay chicken fingers and all the good things dogs that's cool well I mean like you know what I'm I'm very good with directions so when the trainer says to me do this or do this okay that's great and so when the trainer said you could have them sleep in your room they moved right into the room well here's the thing let me just give you one little piece of place with uh with the entering dog Parenthood yes doggy the the top dogs are comparatively they're very stupid yes they're a boy they're brilliant in their own rights they're brilliant in their own rights and it's amazing what they can do and how yeah well they are to humanity but you you can basically have them do whatever you want for you that has to change more than they did right and once you understand that you know concept wrap your head around that you can really do anything with them and not only that but it's it's very clear that everything is about the treat yeah I mean and and trend a routine routine right and a lot of reinforcement yeah now that you have to how do you feel about people coming up to you in the street and talking to you about your dogs well the two laps going to happen these sisters are they this is like my hair is a mess I'm not supposed to be awake leave me alone though so we're lucky right now they're not allowed out in the city because New York City is crazy and you're not supposed to have puppies out before they're fully anak inoculated right so we haven't done that but we were had them out at the beach last weekend and walking on the beach you could not walk on the beach Oh crystal they're so cute it's you know people will lose their like four pounds each so they they look like dog models there's two of them to that people that's when people do the double take Oh oh I do like go away and so they said are that you know are they related yes they're sisters can I hold them know promise me get your little kids hands out of my dog's face before she bites it and then you sue me right that's all I can think about like don't go near because you know they're puppies right I'm gonna do anything and who knows what they're gonna do yeah so I'm like you know they're puppies and they know that my kids are my kids are very comfortable around dogs I'm not really worried about your kids I'm worried about my dogs promise me this yeah when you come to see the DNN yeah you bring them oh well then I have to wait a little bit cuz I had six come see me first and then yeah next trip i bet i'd love to see Marty with them to Mario nice with the puppies they you know it's it's the we're gonna start the socialization we got the doggie daycare yeah which will be great I mean joy sound like a complete nut knucklehead I don't like someone's listening out there saying these are crazy New Yorkers you'll have to do all this or like when you go anywhere the dogs will freak out and you can't have a real life unless you do all of this work ahead of time right right I do think there are people out there who sort of stigmatize people who treat dogs like they're human beings yeah which is understandable you know I mean the dog doesn't need like you know a fur coat fur coat and it doesn't need like designer shoes and stuff like that but this year but I is is totally right like you have to treat them a certain way they have to become part of the pack exactly thats that's what i am learning yeah and I and you know what's funny because my sister-in-law has a black lab and she so when she came out to see them last weekend she's looking at the food and the food is just out for these two little dogs she says oh my god we would never do that like that you can solve stood exactly happy with it is exactly what she said so it's just very funny and they have only this great little personalities oh and by the way financially this was not the wisest thing I've ever done him bother not cheap dogs aren't you and not only that but if you get a pure breed it's pricey they're pricey and you know so I'm trying to bargain with the fridge oh I'm sure what am I cattle what if I took to do I get any having a special norwich terrier yeah I one get the next one thank ya no thanks just hand over the check lady so anyway it's very exciting news and I am thrilled and it's been told like the apartment is not ours anymore no that's we rolled up the carpet putting stuff on the furniture just like you sort of you sort of get into a groove where you very quickly learn to part or care less about certain things that sound like before you're like you know what I guess that couch is like four years old so all right the dogs crystally the great rationalization begins so anyway it's a it's great I'm psyched and and now here I am just like so I was bubbling over with good news and the baby gift that had babies and puppies on the brain this is so what could I done except come here and tell you like I'm going crazy meanwhile I walk in just like what's wrong with you I said what do you mean because you looked wasted I said you look stoned I looks stoned what do you did right my eyes so they read your eyes are a little bloodshot because I have allergies because I'm eyes of course you don't have allergies because you're only half Jewish you're only an honorary allergies in San Francisco that's right oh yeah but like I was getting sick all time like wait a minute yeah all the times I did my allergy pills and I was fine but that was the very end of being in San Francisco it's it's very strange and I know I'm asking for it but I I have notoriously terrible allergies and since I'm like 20 it just clicked 111 fall of spring I didn't I haven't sneezed in 2015 yet I don't get it I haven't taken one pill cuz i could tell you i have not been had a bad allergy year in so long this year it's and not even not like so sniffily but my eyes watering watery red i go into work i had to go on ctm and CBS this morning a couple weeks ago and the makeup woman looks at me and she's like what is wrong with your eyes yeah what would you guys going on here and she's like plying me with visine like I'm wearing contact she's like I don't care that Reds coming out right now you're not going on the air like that what is going on I don't know it's just too bad our mother nature trying to to weed us out yeah whatever I don't bounce you ever being happy about puppies yeah go ahead dare you be I spent thirty five dollars on claritin for God's sake did you guys happen to see there is this show that debuted on CBS this week oh you can I know what you're going to say what the briefcase yeah did you watch it so we talked about this on this other podcast I did yesterday yeah um but it's the craziest show it's totally crazy and you know they asked me to tweet during it 20 a real live tweeting during it and I got to see it okay so explain what it is so what the the premise is theirs to sort of downwardly mobile once middle-class families that have fallen and starting to fall into bad times yes everyone's tough times for every yeah and and it's but it's not poor people just so we're clear because a lot of people were like tweeting like these people don't look poor they're not supposed to be poor they're supposed to be we were comfortable middle-class people great existence the recession hit something bad lots of x 0 x and i hit bad times and the premise of the show is that each couple gets a briefcase with a hundred one thousand dollars in it we had a hundred one thousand okay they get to spend a thousand dollars up front before anything just on something fun or whatever they want to do and the rest of the hundred thousand dollars that remains they have to decide do we keep the hundred thousand dollars force to ourselves or do we give it to this other couple that we don't know and throughout the episode there's a real slow reveal about who this other couple is and what they've been going through and they kind of like you know sort of air mail these little tidbits of information right that's right the other couple and it culminates with I don't know if this is going to be in every show but at least in this premiere episode where each couple goes to the other couples house and walks around the house and starts to get a sense of who this other couple is right you're going to walk in your group you're gonna walk in your their shoes and so when I first heard about this I'm like what a nutty concept this is ridiculous I literally thought that I watched this by myself in my apartment start crying at the end yeah it's is it is gut-wrenching it's like an oh Henry story right it's like you know that there's if there's a twist always something is happening anyway uh I get like bombed with Twitter notices about you know some people really hate it some people love it I kind of liked the idea and you know me like about the money thing I just think it's always interesting to hear how judgmental people get around money right so the during the show I'm like looking at the tweet the stream and I'm like wow these people are rough they're like how dare this couple do this this this this and this and like you know and and so to start to see each of the couple's experience the other couples life it just shows you like hey they actually are walking in their shoes and how dramatic that is and I thought about that because I think there's so many of these studies that should come out that say you know wealthy americans think that poor people are just lazy yeah you don't know what that person's gone through and it's just and people will always like you know send me nasty grams when I talk about personal bankruptcy like how dare you tell this person to declare bankruptcy that's terrible their welching on their obligations well you know what sometimes bad things happen and so I I enjoyed it it is crazy show I don't know what the next episode so spoil it though what did the first uh what did the family do with the up to the two briefcases so one family was this couple in New Hampshire where the guys like laid off ten years ago kind of like in his 40s he's got three daughters and the wife decides to make extra money she's going to start a small business like ice cream trucks and then the recession I mean firstly live in New Hampshire are you an idiot yeah ice cream like all right great idea but okay what's a better judgment Vermont yes like the next state over and and and so they've come upon some hard times it's rough and there are many things about it that we're very telling just like bad choices okay the other couple younger couple and he is a Iraq vet mmm okay he lost one leg throw that very lost egg and he has a purple harder to write okay so now I mean this guy can't work he is on permanent disability his wife is a soul wage earner she is a nurse what was interesting about the two couples is both in both cases the wives handle all the money and the husbands are sort of like out of it I mean pretty much her like she does that that's not my deal or the money cool so you know one of the things I wrote a blog post about this about like you know what even if that's the case if one person does do everything the other person has to sort of be involved and understand it because it became clear that the two women the two wives they were having they had such burdens they were so anxious about money and they had a very different reaction to the hundred thousand dollars right so each of them are like we're keeping it we're keeping him then they find out things and then they both decide to give all the money the other come all come on that's the end I don't like that PS the end and what can I tell you that's what they did I would give you all my money here you could have my hundred just no way you would get that briefcase I know but if I really downtrodden and I got a good case you can see any clips of the other couple deciding they're like well nobody kind of sucks yeah yep do you like well yeah and you part with any part of it yeah the whole thing any part okay so you so I could have said it's $12 said here's 20 grand here's 80 grand you know like in one case I thought that crooked frame over here's here's fair for the bus I got off my long I thought that the most natural position if you statistically would have been half Cesar halfsies you would have thought but the thing is when I first of all of course the veteran is like the best person in the world ruin right he gives of himself he loses a limb sure fighting for our freedom you know just had memorial that I could cry just telling the story you know like the guys like the ultimate great guy and he says to his wife we have so much how could we keep this money this couple is in big trouble we should give them all the money and she's like are you out of your mind and the same thing with the other couple like the husbands are both more inclined to give the money except than the other couple as soon as they so they're walking around the vet and the nurses house dannon or carolina and they're walking through and all the sudden the woman from New Hampshire looks and sees the prosthetic limb though she bursts out crying she's done she's like forget it okay I want to know some details there's a lot of things that can compromise the situation I'm like I want production details okay so the Fed do we and maybe we don't know this so the family that gets the briefcase yes when they sign the contract to be on the show are they basically told you will receive no compensation other than what you decide to do with the briefcase yes so they they don't know about the other couple when they start this soon they further said they think their / they're participating in a documentary about people in the middle class who are falling behind that's the premise that they bring it so there's a misled from the ghetto and then they say okay actually it is we're doing a reality show here's a hundred thousand dollars you can either keep all of it or you're going to give it there's another couple and and you they also weren't they don't know that they got the briefcase but they say there's another couple yeah who is also in need you're gonna have to decide what portion of this money you want to keep or what you want to get that is all this is all tainted far as I'm concerned shoes you know what the second i cried i was happy oh sure and I'm sure crying I'm sure you know our overlords are getting what they want out of this in terms of dramatics and whatnot but the problem is that ok you there's gonna be a couple that says no fu I'm keeping this money I don't care how many you know starving kids you have don't show up on the morning and this morning and they'll be like right we hate you like what we don't care and they become minor celebrities for 15 minutes and they'll have their own spin-off show or way worse cuz that's like best cases like the worst cases like they become pariahs their neighborhood people with pitchforks and torches come to their house and right who's the father get the optimist well let me there's a preview of the next episode yeah and of course it's like the lesbian couple and the gun the you know the the NRA member conserved as another like so that it is social yes it's gonna be like social construct version it's gonna be I didn't never knew that lesbians could be people and the lesbians are gonna be like I didn't know that people who own guns could have hearts I didn't know they give lesbians checking accounts that's amazing hi sounded like Bill Clinton is a pricey reality show two hundred thousand dollars in episodes kinda 202,000 scuze me ah so that's nothing shows much cheaper than that you true I don't know I mean undercover boss was that cost like five bucks in episode I don't know there's Saturn there's some built you know maybe maybe they ain't no model is mr. Moonves knows his entertainment so I'm liking the way that yeah I can't stand in front of that um but that yeah the show just rubs me the wrong way just because of all these complications that are like all right I'm using it's a money part I hear it is uh which is interesting yeah it's like um from the outside looking in it's such a whackadoo I think that we're compared to wife swap I mean like yeah why swaps pretty funky I'll take Stacey but you got to keep the kid cuz i want my puppies you know I'll take Stacey and I'll keep the girls you can have Jackie yeah but Jackie won't even be interested in me yeah G first of all she won't be interested in you and she'll be like she loves baby My Luck average but Jackie does love babies Oh or is that I guess I gotta let me go home you send me that picture by the way he is and I do not fell over babies cuz i honestly think they're not that great looking the parents look it is so cute and you're like uh yeah that's cute but your baby is cute yeah someone told someone said that to me the other day where it was like yeah i know you always make fun of ugly babies cuz a lot are yes I and that's when I knew I wasn't being jerked around yeah I was like your baby's freaking cute he's cute I was like all right thanks I just you know let him have a brain yeah and be cute yeah total that's good we'll take it looks looks aren't everything how is the baby getting along with the dog or vice really well oh good yeah there are their buddies they totally are he's marty is very protective as we thought he would be um if a stranger comes into the house Marty has to like vet the person at the door and then uh he'll be okay with that person picking up the baby if we're with it Oh interesting yes so he kind of like looks to us for cues and whatnot that's great arm but there's been like one minor instance where someone leaned over and kind of got in between Marty and the baby and he didn't do anything but he sort of was like yeah but now he's never liked bitten anyone or anything oh yeah which is kid no blood has been shed fantastic over over this over my son how did we open up you know what today is uh those national hamburger day yeah okay it's also may 29th yes it's 529 day as in Russian 529 college savings plan ok I am not kidding you it is this is a very low budget campaign this violin is telling you right now look it up I'm telling you my friends it is 529 day this is the day when states are trying to boost participation in their section 529 plans which is the college college savings plan operated through the states which you are gonna be opening of a social fur we do he's got it did him a tiny little social security card well little number so he could put in his a little wallet in the diaper so cute did you open up an account for him yet yeah okay so a 529 plan is so awesome my favorite college savings plan because you can open it up you put the money in and it's not taxed on the federal or the state level and so it's kind of like a Roth IRA but for college savings so let's just say you put 10 grand in and it grows to 50 grand when you take the money out there's no tax 20 so it's kind of awesome fantast so you can can you off so what has to happen in a 529 like do you have to put attached a social security number to it you have to have a child with a social security number so down sides do it though yes excellent question sir it cannot be used for high school so do you want to sing you like the private high school you're out how do they check up on that we basically you pull the money out you actually have to prove that you had a bill I'm sorry has been qualified as education expand trust I'm thinking how i can defraud them because what i want to do is I want I'm wondering how somebody could like put money in there and never use it for college well here's what you could do you can put the money in their hypothetical hypothetically let's say you put the money in and it grows and it grows and grows and dylan grows up and is an amazing hockey player and gets a four year free ride to the University of Vermont because he's such a great hockey player you just up and pleaded the the masterpiece right ok now let's just say that Dylan has a little sister let's call her Jill ok yeah joe and jill Dylan Jill and what you can do is you can take the money that you saved for Dylan and move it to a sibling ok hey so they can be used so can be used for that you could also do there no panel take nice you can also use it for yourself if you wanted to go to grad school you can I want to go to quote unquote grads grad school and if your kid one go to grad school right so you could use it for lots of different things let's say that you have no use for it both kids both Jill and dill for your free rides ice hockey scholarship say University of Vermont they are set and there's $100,000 in this account yeah you want to get the money when you take it out you get a penalty yeah what if colleges are abolished in 20-25 no that's a problem they're probably be some kind of way to get ya honestly all you do is you're paying the tax that's due right you know what I mean that's not that big deal it's a great plan 529 day how fortuitous that I should be here for this day nothing is a coincidence on the show now the downside so the downside is that you don't get the money you don't need the money for college or the other downside is that you put the money in and maybe you say oh this money it's counted against me for financial aid but if it's held in the parents name right so you're the owner the child is the beneficiary there is when you're applying for fafsa financial aid forms what the government does it says okay we'll assess a certain amount of percentage against what the parents assets are so if the parents own it would basically decrease your financial aid by up to five point six four percent so it's still worth doing it I really a downside here's a downside the real downside is many people should not be saving for college they should be doing other things first you know I mean like the average couple if you have consumer debt don't start saving for college if you don't have your six to twelve months in an emergency reserve fun don't save for college and if you're not maxing out your retirement plans don't say for college but if you've done all those things sure go ahead and you're open up but there's not that many people who really are in that position you know name right i mean i think so alright so that's like perfect perfect situation sort of uh description what about someone who has like maybe three of those four boxes ticked is that okay uh you know what it depends i have had when I was in the financial advisory business there were times where people would come in and they'd say you know what I'm about to pay off the rest of my credit card debt I really want to get a start on these college funds I have some money here can I just open it or very interesting I've seen cases where the grandparents want to want the kids to be like show me that you're going to put this money away and they put some money into the grandparents put money and so you know there's there some mitigating circumstances but generally speaking you know I love that big three pay down the consumer debt do they just have that emergency reserve fund get the retirement plan maxed out and then do the college because you know what like you said the the nature of college education is likely to change over the next 20 years pretty dramatically yeah I think that yes it will be there will be elite colleges that will always charge rich people a lot of money to go and if so if you want one of those you're gonna have to save but they're also other growing to be other really cool alternatives right I think yeah and you know I would not be so I I would never want to think that the only way to educate people is sitting in a classroom at an institution on the you know and the Northeast some liberal institution having some guy drone on that you and I lecture go to a kegger that night yeah that can't be it that can't be the only way they can be like that for 300 years yeah I mean well so far it is 300 but maybe none of the 310 yeah so I I think that these are all great problems to have like wow what college plan should i use but for most people do that other stuff yeah by the way we got a Twitter question we do i wanted i want to hold off just for a second we got to take a quick break what yeah we have to pay the bills all right pay the bills today ok so we have questions and then maybe a story or two that I want to get to one really amazing thing about this new google photos i want to talk about so more with Jill right after this stick around getting your mailing and shipping done can seem like a no-win situation believe me I know we used to have a postage meter in the office and that thing was just what a time suck a money suck it was terrible yada yet have 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very special offer you get the no risk trial plus a hundred and ten dollars worth of bonus stuff that includes a digital scale and up to fifty five dollars a free postage do not wait go right now two stamps calm and before you do anything else you click on the microphone at the top of the home page and type in cnet that's C net2 stamps calm right now enter seen it at the top okay we're back here with Jill's Schlesinger envelope or show hashtag and Jilly Jill aunt Jill is the hash you created this hashtag hey by the way you see that my account finally got verified oh you did fine Congrats thank you are you your verified guy it's not really doing anything for me not at all the the twitter is not at Twitter no Twitter's been nice to me like a campaign on ready to get you to 10,000 I it happened but I don't know to say thank you to the eye yeah it happened thanks a lot jackass no but I don't know I don't know this is the you know the the straw that broke the camel's back but no its Twitter actually I take it all back to it has been very nice to me lately a lot of really nice interactions with people have been happening with me that's that's usually like that goes against the grain well you know advice is the career that that when you have some of those nice interactions it does sort of bring back like the humanity because you have something you get some nasty gram some you're like why am I doing this right for sure you're like why am I even waking up in the morning yeah like these people are bringing me down did someone just wrote me something so nice and I was and I wrote a note i make you know you have no idea that totally made my day totally right it's great that's great into a note every morning just to tell you that i love you even if it's like a robot and it just says love Jill love aunt Jill yeah yeah I can it'll you know it'll mean the world it really will all right okay maybe I just send you a nice little picture of the girls that's that's not gonna that's not gonna hurt ya it puts you in a good mood they're the they're amazing i'm so i'm so happy for you thank you all right now i'm a couple of quick questions yeah and we'll just so I got a tweet from hold on I got to make sure I get the right name here because he was he was early early and often and Jeffrey rights as a federal employee is the Thrift Savings Plan enough for retirement or should I open an additional IRA on my own so when you work for the federal government you have the very cool plan a TSP a thrift savings plan it's kind of like a 401k okay you put away pre-tax money there's a whole special investment structure and they have things that look like I would say they look like mutual funds they're not mutual funds per se you and I couldn't buy them but they're just and they're really cheap and they're really effective and they're perfect so Jeffrey what I say is if you're maxing out your thrift savings plan and you've got tons money left over after that yeah go ahead and open up a roth IRA go nutty but if you've got other things you want to do like fund education or do some other things then don't feel compelled you know there are other things that you might want their mother may be other priorities so on well I like the thrift savings plan go ahead max out but don't go nutty by the way there was I don't know if you saw this I because I tweeted this morning about how you know send me your money questions I saw that did you see the guy who wrote I ready to send me your money yeah you're like aw Jill fallen on tough times said we are a publicly funded show is that right uh this book this is a question from our subreddit from all ski more on savings when my 401k was rolled over to my new company 1500 of it was put into an IRA is it worth putting them into my 401k or should I leave it as an IRA apparently contributing my max match percentage to my 401k but nothing to the IRA it just sits there uh if it's a so it's probably a rollover IRA and if your new plan is decent just roll it all in together just gets easier if however you want to start you want to convert that make that IRA into a Roth IRA which I do love that idea because that's money you'd have to pay the tax on that $1,500 today and then you plan to contribute more to a Roth IRA in the future then that's what I would do so it's either convert it make it a Roth IRA and try to put more money in in the future or take the IRA rollover roll it into your current plan consolidate easier to manage cool easy easy enough 529 retirement savings credit it's unbelievable I mean I was does it that's all you have to do like my whole so tell me what I need to know about the technology world before I go back to the girls so this is crazy and I mean yesterday so yesterday I don't know if you know Google had a major keynote their biggest keynote of the year that they do it's called I at a conference called I oh it's basically they're sort of you know State of the Union about what's going on in the world of google and it was kind of boring in the most part developer conference so there's a lot of discussion about yours android studio break oh this is really boring but the developers like yes it's about development but anyway yeah I mean all the developers you know they get the little boners over everything and whatnot but what's funny is that the I mean I love Lisa laugh and snicker look because of development boner yeah is a funny idea exactly all you do is picture like all these little like programmers and orders right guys yells out of it yeah exactly so there have been years where Google i/o the the flagship keynote was obnox it was very entertaining very engaging this one not so much the next version of android m's just seems like sort of a under the hood upgrade and really nothing more but the one sort of I guess you know under-the-radar surprise was this new version of google photos yeah which is great if you like photos and you take a lot of them and you want things backed up without having to worry about it I've been using google photos with Google+ sort of auto backing up from my phone for a couple years now and up until yesterday I had set it to this sort of like backup everything but sooner or later you know it starts to chip away at your allotted storage online well yesterday they announced that they will store all of your photos on an unlimited capacity of your photos yeah at 16 megapixels or less which is a gigantic photo 16 megapixel photos huge ah so this is great well this is not good though if you're one of those people who wants to throw your photos in some sort of cloud and they're sexy photos and then snow into it and you don't don't worry about it by the way Jennifer Lawrence right she'll just winked 30 times while she was saying sexy photos sexy photos um isn't that what happened to Jennifer Lawrence no she was targeted but her photos were on the clouds yeah and that was an apple thing that what the reason that was of social engineering yeah the information out there and you figure out how to get to somebody so do they do that okay but everyone you got to be careful okay carefully and generally cloud backup anything you want to do that wanna make sure that you have really secure passwords and everything and yeah and chain if fake you freaking security questions by the way do you do this yeah look I actually have LastPass come up with fake answers to like where'd you go to high school and it's like Albuquerque HQ a hashtag 3857 they're like hey on the phone they're usually like well that's right sir like yeah yeah cuz it's it's to secure that's very it's if they should call that something by the way they should be there I don't know those things are really just just lie about their just like idiot question right okay so you be careful but you're going to be able to put all these photos amazing so that's not even the coolest part is more like there's more there's more Jill all right Ron so this morning I was just screwing around with it I downloaded it yesterday and it sort of synced everything and how to do and there's some really impressive facial and object and color searching abilities built in google photos and the way it uses google search so once you have all of your photos uploaded to Google you can then search by topic so like if I search hockey in my google photos it pulls up every photo i've taken of hockey and fry as if he searches beer you evidently you can find a bigger yeah i have a couple photos 13 photos a day I mean there's a lot of area there's a lot of beer photos here if you search dogs since 2011 let's see if we look up dog if you search dog all the dogs come on come on my second ago isn't that story staring the hole in your soul and that's Audrey she's named after the computer now isn't that diner he's not either dog but I just like that picture of that dog is science lab design so now search cat cuz sometimes Marty came up as cat kid if you search like sometimes one picture of a cat and yeah she's a dog yeah sometimes dogs come up as cats but whatever it's like you know it's understanding are you are you going to help me do this it's so easy yeah I know when you say that there's too many things I have to do oh yeah I need you to just come to my house and our I'm gonna bring my computer to your house whatever yeah and you're gonna do all this stuff for me so I have to think about Oh freak all you gotta do is download the app that's it all right so I'm gonna do you have a gmail I know yeah yeah I know you do so know you do Joe well I like that a separate from Google+ that was it airs yeah google+ sucks well yes it really sucks we don't like it but it is popular in some circles I use it but but yeah like why are you doing that why Google's circles is I know awful yeah I guess if you hate it I just I I think it sucks and right I don't use it either but but I do use it though because someone told me for SEO I should be right it doesn't hurt Google is the master of search so maybe it's a good idea to have some of your stuff and plus I think for the photo element of Google+ this is an extension of that and it's kind of brilliant not only does it it doesn't make every photo you've ever taken searchable it also lets you search by faces so when I open ups me out a little bit it's not again like I said this on CBS end this morning cuz Elaine Quijano was like well this is this freaks me out because now it unlike look it's not like there's some like crusty old man hiding behind a curtain somewhere looking at all your photos being like uh was Jill today let me pull Jill up and find out what she's been doing I'm gonna send them Elaine's that's what I got some creep behind the curtain is like watching your every move it's mostly automated okay that doesn't mean you should throw all of your privacy out the window yeah but if you want to enjoy some of these amazing technological services yeah you gotta you gotta sort of bad answer now you can turn facial recognition off if you want you don't have to opt into that I don't believe but what's really cool is you know I'll load up my google photos thing now on the web and it looks like like a Mortal Kombat characters you know select screen where there's like all these little boxes of all my friends and our Dillon already has his own box and you click on his face and then all the photos all the photos of him show up it's um don't tell me that's not amazing you know you're saying it's amazing and I'm mouthing two ayahs like this is freaking me out a little Ricky you because it is scared because this is every now and then a product like this comes out where you're like oh man that's cool like I searched hockey and every hockey game I've ever photographed comes up anytime my Stacey's taking photos of me playing hockey come up it's amazing you searched golf golf comes up recognizes my boys to different people because when he's a baby yes totally different there's like a toddler different so for me it's jeff with sunglasses and Jeff not with something I like that yeah it's pretty rare all right pretty cool technology I'm having a little anxiety attack right no don't do it and then there's one other pop culture thing I want to talk about were you a fan of a little film called fight club I've seen it but I can't say I was like not one of these crazy like lovers I've seen it four hundred times I've seen it once only one element yeah this is a Woody Allen movie from 1999 I know what Fight Club is right so you have so that you're very casual attachments yeah exactly so they I'm too old no animal woman I'm so not in the damn film came out in 99 how old were you in 1911 I talked about that looks pretty nice continue I know actually I think I was eighteen nineteen eighty yeah anyway when that film came out it kind of changed my life a little bit just because of how excellent I I thought that was theirs it has an amazing ending to it if you'd never seen it don't give it away obviously we won't do that the author Chuck Palin up um and I can never pronounce his name correctly is it Palin yuck Palin nook anyway sure always ready with it he wrote he's written a lot a couple of other bottle read what was give me a little mystery MDB about house was only books yeah oh and uh that what was that he Sam Rockwell movie was also baby i can't remember the other one he wrote one of his books well it's something with an S I want to say um like palana Chuck or something yeah Palin of Chuck whatever it is I can never pronounce it um anybody Dale and I'm sorry so he is writing he's already written a sequel to fight club Fight Club too perhaps yes that's exactly what it's called google but it's in comic book form there you have it comic book form yet so that's the way this story is going to play out and it follows the character almost ten years after the events of Fight Club one where if you watch that film or have read that novel it ends on quite the violent turn of events you know that was his first book yes that right is not a massage I believe it was his first book 1996 which is amazing I mean he is he is a he his stuff is very dark yes very um you know anti-establishment and uh oh Jojo cackling I was there Sam Rockwell good so I mean that was his first book he since written over a dozen and this was his most faces his epic yeah sort of thing a lot of his uh other books have done very well survivor did really well lullaby um a lot of people like his new stuff this book this has been written right no if I club to you is a comic book it's a cut grass novel graphic novel I love the graphic novels great it's really really good stuff in episode and issue one was just released this week and I want everyone to go and buy it digitally or look at you analog Olie and by this version of this book people are freaking out over it okay I haven't read it yet but I cannot wait to do with this weekend you might be surprised that i have read a couple of graphic novels rights true what fun home by alison bechdel which is just made into a Broadway show um she is amazing so fun home is it's on broadway right now it started at the public theater she wrote this graphic novel she won the Pulitzer Prize for it you know six yeah she's amazing Alison Bechdel bechdel huh oh it was a story of us so the vibe is dark yeah it's a autobiographical okay the fun home is the funeral home that her father ran and and he they sort of like abbreviated yes they called it fun home and just darken its own wait a second it's also the story of her own coming out yeah and her father was a closeted gay man who ultimately killed himself oh my god so imagine how much fun that's gonna be as a musical I saw it it was unbelievable it was amazing I mean so you should read that as well i'm gonna give that a big plug i'm so glad you you endorse this sort of me oh no I love it I love it really like reading a graphic novel is spectacular because it's it's you know it's obviously different than a standard novel what's that other one you have the calendar in your queue oh yeah and i read that as well and i'm losing my mind what's the that woman she writes like Alison she's also on alice is it Ali think it's a yes it's called why can I do you know what it was like that name all the things is her that's her mean and and she and she has written so unbelievably about perfectly and a half and I read that and I had to say that book more than any other book that I've read like sort of captures this darkness around depression that is intense and you think has like the sort of like cute little character you know she draws herself it's very dark sheshe I believe she draws everything in like ms paint yes I her I think Sal thing uh it's kind of amazing what uh you know what she's done and she turned that into a gigantic sort of Bryant Ali broches right okay so Allie Brosh and then we have the other one Alison Bechdel we come on out you level endorsements from thank you think i was gonna get that this morning so fun home also on but let me give you a Broadway show update oh fun home is on Broadway look amazing what did you say I saw a curious incident amazing amazing loved it Oh mais news must see people who you come to New York go see curious and I heard it's leaving soon because people do the buzz is there but PR people seeing yeah yeah yeah they get they've done well so it's sticking around they're gonna start a road show but that's just because I want to make money so curious incident is amazing Hamilton is going to Broadway it it is mind-blowing uh it is the story of Alexander Hamilton it's by the guy who wrote in to the heights lin-manuel Miranda who's from Washington Heights and it is a wrap and soul track a sad about say soundtrack but the music is soul and rap and it tells a story of Alexander Hamilton's life it is tremendous go see it it is it is a like transformational Broadway okay like it is like one of those shows are you like oh my god there is such great talent this is fantastic so Hamilton Curious Incident fun home I gotta see fun home I'm sorry not it's great it is so good and I saw it and it was still in previews yeah she was sitting behind me no Lynette del Sol you know it whoa how'd you know that what that was must have been awkward had like a little sliding you know yeah is it what did you do you like you locked eyes and that was you know that was it no what happened was me how old is she she's a little bit younger than I am mm-hmm uh I'm just trying to see like where this could have gone no said my sister-in-law leans over and she's like yeah we have better seat than her she was there she went to this school which you may have heard of called Simon's rock do you know about that simon's rock is part of bard college and it's for kids in high school who like are trying to who are like just don't fit into their high school mold and you they go away to high school but it's sort of a high school college prep and choose where this huge group of simon's rock people it was very anyway she's amazing I it's very rare to cry in a musical but it makes me cry it's a very intense that's deep we've had a lot of like this has been a fantastic show I must go back to my girl no I know we got it I just want to say that this is the graphic novel I'm now I'm like okay i'm gonna i'm going to read this you gotta you gotta really get into i mean it's it's fun there's there's such amazing stuff out there it really is great you know it's interesting it's it almost is daunting sometimes because of all the things like especially when you live in New York I'm sure where you live anywhere like you can read a zillion things but live in New York it's like hyper stimulation it's like I could go to a show I went to the new Whitney music so much you can there's so much going on and then I'm like you know I could watch Netflix to right that's the thing you you were you are like crippled by the amount of opportunity that I just sort of like feed us up and just you know dive into a can of like it's sort of a weird thing because I didn't I surprised to have a good problem the second you're like I'm gonna go outside you're like what do you want to do everything in anything right I mean that's that's the amazing thing I did go to the new Whitney which was it's kind of cool though I don't like the outside of the building so much but the inside is tremendous you know it's at the foot of the Meatpacking District right and so but it looks out and they have outdoor space for art which is super cool and the way that you see the art galleries are really open spaces so I love that because i hate feeling like I hate feeling like like cramped in a museum but it's very cool great exhibit American art anyway there it is you travel log have I done my job I faire de Blasio yes serious i feel like if someone's thinking about come to New York we've done your homework for like by the way I don't want to say too much about this but tonight you and I are rooting for the exact same outcome are we not I just we don't want to talk about it but I just want to say that's true right it don't matter because whoever comes out of the east it's gonna get smoked I don't care I understand that you're saying that and yet I don't care because I don't want that that team to get to the next I want it for lunk wists oh my god do you earn I like I hate deserves better he deserves better he know if you know do you know we're talking about hockey okay I exist the hockey havia the one I've been watching I haven't watched wasn't serious okay great yeah I don't think my dad you kept me awesome I doesn't go with the hockey yeah yeah and you're rooting for the rangers I'm well nobody's perfect I'm leaving now all right enjoy your newfound I family and the best of luck with the girls thank you and give Prince Dylan a big kiss from auntie Jill I will I will thank you so much for being here as always great followed you on twitter at Jill on money she's verified now you know that check mark proves it all and you'll be back maybe June yeah I whatever we can work I see what well you only do the show on Friday is not right it is correct Fridays are very hard from their toe let me ask you a question yeah go go for it could I could you dial into my ISDN oh you get on the ship we could we could arrange that sure that would be fantastic oould sit at the beach correct Oh God danki hate me call it life tough life hate me a little bit when you come around and you swing your eyes DN flag like that two of them not one not one I just that's why not is a snazzy the one out of these doesn't work you got nice and we got on the good microphone for these things at least I got the headset with a mic high on the sennheiser you know yeah that's what she's doing I know you I don't do a scrapper oh I don't know crap but I I'm very dear friends of the verizon guy he literally gave me a cell phone he lives in my basement he said to me he's like you should never go through like the central booking thing just call me if I problem that sounds shady but awesome at the same time it is it is not shady for me you're just bypassing the man I'm bypassing the man and I'm dealing with somebody who actually knows how to fix stuff you know it's it's very funny you mention that when I was still living at home we were having so many issues with our cable that I kind of befriended the guy and you get and you develop this that's what a lot of relationship well you know here's an extra ten bucks do what you gotta do I gave a one-time this is very funny like my relationship with verizon is storied and a long time ago I had a house on Martha's Vineyard when i was living in new england and you know whenever you got a storm everyone's phones went down yeah this is well before cell phone okay okay and the variety the verizon truck like i'm taking a run and you know it's the phone to be down for three days yeah that's crazy okay so i see the truck and I go knock and I said oh my god are you here I'm livid over this and the guy says oh no you're not on our list and I said could you just come over and like just check out the pole and yeah I'll make it worth your while I'll make it worth your while he comes in it's like friday seven o'clock at night you checked out your pole i bet if you will and uh he fixes the phone yeah and i said here's your choice i give you a case of beer or give you money he's like what kind of beer oh nice I found it was it happened to because we're having this big huge barbecue is just like a regular sam adams summer ale blah blah blah I said take it take it done not a phone case of beer so seemed good to me so you do things in life unfortunately sometimes sadly I know I never want to get that guy in trouble but that's how it works thank you so much for being here thank you so much for dylan's gift that was amazingly thought I feel very bad that I as has not gotten a gift we get what we get a nice right now but what about next time maybe I'll bring you a gift yeah for the dogs are sure my videos and swing it early October fifth mmm interesting alright couple long time I'm out of here thank you so much Jill we're back here next week with a brand new show have a fantastic weekend I will be gone next week I'm going to be in Texas oh I'm purpose yeah bachelor party yeehaw yeehaw bring my tank down has only gone to downloading games I can't wait to see what Google photos which classifies those uh yeah jokes I hope they have service down there it's all have to say they do have electricity into it will be back next week 866 44 cnet is the number follow us on twitter facebook instagram and all that stuff have a fantastic weekend is unison