Everybody, we're back, this is Dave Vellante, day three from EMC World, Silicon Angles, theCUBE, continuous live coverage from Las Vegas. We're going to stay on this theme of converged infrastructure a little bit. I'm going to bring Stu Miniman from wikibond.org in. Stu is our converged infrastructure expert and Trey Layton is here, he's the CTO of VCE and we're going to geek out a bit. Trey, welcome to theCUBE. Hey, thanks for having me. Yeah, so big event here obviously, a lot of the companies that you are a part of bringing together a lot of customers. So what's the vibe like? What are customers telling you? What's the feedback that you've been getting here at the show? Well, you know, the great thing about EMC World is the customer conversations are back to back and there is so much excitement around what we're doing but it's not just the current customers, it's customers that are evaluating our technology against our competition and really excited about how we can transform the way that they're doing business and they're excited to hear about what we're doing in the future and the technologies that we're not only aggregating today but we're going to aggregate in the future and we're excited to share that vision with them because it's an exciting place and time in our industry and we're excited to be a key part of it. So specifically, what kinds of things are you hearing from customers this week? Some of the things they like, some of the things they want you to do? So a lot of conversations about Viper, a lot of conversations about ExtremeIO, a lot of conversations about scale-out storage in general, Pivotal and things that are going on there and all of those things fall into the category of things that we're very interested in from a technology perspective at VCE and we're going to bring a VMware Cisco EMC answer to our customers in the space of those technology solutions that are being innovated by our investor companies. So you're relatively new to VCE, well, you're not brand new but new enough, right? I was the number 60 employee, I think so. Okay, so talk about the changes in the past 12 months to the platform and what you guys are trying to accomplish and a little bit about where you're going. Yeah, so the product strategy is really, our initial foray or entry into the market was really to build the 300 and 700 systems to focus on enterprise service provider core data centers. We've had a project underway for a long time to develop a smaller form factor system that ultimately became the Vblock 100. There was a lot of conversation internally to say 100 is going to introduce an opportunity for smaller, more mid-market customers to deploy a core asset in their environment and 100 might not be right for them. So we engineered and built the 200 and released 100 and 200 together and that rounded out a portfolio of general purpose systems, mixed workload architectures to deploy and support in those environments. We also found that as we built this framework of standards to deploy converged infrastructure that we adapt to the many different use cases that customers have, but we found certain configurations, certain use cases in vertical market segments in an application segments that required us to build a specialized architecture to accommodate that unique use case and we found patterns of scale to be able to deploy that solution to many customers around the world. So we introduced the concept of specialized systems and so that rounded out our product portfolio where beneath that, we engage in conversations frequently about management of data center assets. And the challenge with managing data center assets today is customers assemble management technologies based on the use case that they're deploying in their converged infrastructure or just in their infrastructure in general and those management combinations today understand and are aware of component technologies and not necessarily the integration of those components unless you spend a lot of time educating those management packages on what's been integrated. And so we released VCE's first intellectual property in the form of software development, vision intelligent operations to really not to replace any management technologies but to enable customers existing management investments to see understand not only the products that are in a Vblock system but also the integration that we've performed and how that integration evolves as the customer's use cases emerge and evolve and they change the parameters that system to adapt to the unique requirements they have. Yeah, that's key. Stu, you've always said to me that what makes private cloud cloud is management and orchestration, right? Yeah, otherwise, you know, are you just expanding on virtualization? So Trey, I think back to kind of the early days of Vblock and how it was put together and since that time, one of the biggest changes from an architectural standpoint is how flash is disrupting the marketplace. So I was wondering if you could talk to us, you know, how are you guys looking at flash? Are you just kind of waiting for EMC and Cisco to deliver things into the portfolio? Or, you know, how will flash change what a Vblock looks like in the future? So I think flash everywhere is the answer. So when you think of flash on the compute side, you think of the hybrid array architectures and we've had flash in the arrays for quite some time. When you think about all flash array and ExtremeIO, it's something that we're very excited about to see and produce Vblocks architectural solutions around the current generation of Vblocks, as well as utilizing that technology in specific specialized roles and enabling current customers to deploy that all flash array for their unique workloads that can take benefit from that. Our flash strategy is comprehensive in that approach and we don't want to have any one particular approach with flash, but allow our customers to consume that technology in the areas that can most benefit their workloads. Okay, so interesting. One of the announcements this week was Isilon is now, I believe, sold with the Vblocks that I take, you know, existing Vblock and kind of Isilon goes with it. I think the internal terminology is like it's bolted on. So do we expect flash to start in that piece or will we see, you know, ExtremeIO in there instead of Vmax or VNX? So as ExtremeIO gets to the point of full release in Q4, you will see multiple approaches to our solution in that space, inclusive of an architecture around Isilon. So the interesting thing about scale out and those two arrays, they complement each other quite well and can benefit customers in very unique use cases in a potentially new architectural solution for Vblock systems around Isilon and ExtremeIO. Okay, one of the other things we've been hearing a lot at this show is talking about really storage, kind of expanding almost to be a platform. If you look what's going on with Viper, you know, we were at OpenStack a couple of weeks ago and I know VCE has some plays there.  Yeah, so software-defined everything is coming to a data center near you, right? And we at VCE very much want to promote and enable our customers to consume the software-defined strategies of each of our investor companies. You know, VCE is a Cisco networking company, Cisco Compute company, a VMware virtualization company and an EMC storage company. And so the software-defined technologies that emerge from those companies, you will find and be able to consume inside of the Vblock system architecture. Now, an important piece of Viper and being that announcement this week, it's going to enable us to do incredibly new things with the Vblock system architecture as it relates to multiple array-based personalities from EMC being in the context of a logical Vblock architecture and also enable us to potentially address new use cases in commodity-based storage in such Cisco UCS servers to accommodate unique use cases in different vertical market applications for smaller than 100 use cases. Oh, and this would also bring object capability to Vblock too, correct? Absolutely. And so as we get into that realm or space of things, I'm excited to see, you know, when you look at the things that are going on in Amazon, PayPal, Google, these large organizations that are building cloud-scale, web-scale architectures, it's fundamentally materially changing the architecture of the data center of the future. And doing a massive land grab on data center assets or something that enterprises are going to deal with, I think a great quote from Paul Moritz in his pivotal speech was 44 terabytes of data on a transcontinental flight that could very easily be analyzed to provide real-time information analytics to consumers of that information. There are lots of transcontinental flights of which I fly on quite frequently, taking all of that data and putting it in an enterprise to enable them to transform their business processes is very much an infrastructure challenge that we want to address at VCE. And we're excited about the investor companies, their technologies that they're bringing to enable that to become more of a reality for our customers. Trey, we've been talking a lot this week about the old multi-vendor world, you know? You might remember, you know, if many of you in the audience as well, we used to always talk about multi-vendor and it used to be, you know, connect to mainframe or VMS or Unix. The platforms now are different, but we're still talking about sort of open and choice. It's sort of new words, but then the platforms have changed. It's maybe VMware, it's OpenStack, it's Pivotal. So how does that affect VCE going forward? I think it strengthens VCE because one of the things that we do is we're one of the only companies that product ties integration of best-in-class technologies and then support that integration. Now, our investor companies are each investing in the OpenStack initiatives. We want to bring together the OpenStack aggregation of their strategies together in the context of VC and E so that our customers can consume those strategies at an aggregation level. And there's lots of choice in hypervisors out there. I mean, VCE has been supporting other hypervisor choices by customers for different workloads and unique workloads. We do the world's most advanced engineering and integrating VMware's hypervisor and we believe it to be the most advanced in the industry, but we understand that customers will have requirements to deploy non-VMware hypervisor technologies within the frame of the VBlock system architecture and we have customers around the world that currently deploy that. So openness in the context of that in utilizing the framework of technologies that we have from the investor companies, we're going to continue to do that and we're excited about that. Pivotal's openness candidly enables us to develop fast data, real-time analytics, infrastructure applications to support some of the work that they're doing in that space of software development in the context of customers who have those fast data real-time analytics application requirements. So you mentioned OpenStack. I mean, do you envision committing, supporting, compatibility with what do you mean by sort of working with OpenStack or participating in that, what does that all mean? So what I mean by that is a customer wants to deploy OpenStack on a VBlock. We have every intention to enable them to do so in the context of the strategies that our investors are making investments in and their OpenStack initiatives. So an aggregation of each of our investor company technologies within the OpenStack initiative. So it's safe to say that you will, whatever VC and EDU for OpenStack will- We will aggregate it together and integrate it and productize it.  Is that a possibility? Where there is opportunities, we would absolutely go in that space. Yeah, I was just going to ask, kind of behind the curtain, how does your group, the kind of the CTO office of VCE, what's that relationship with the parent companies and something emerging like OpenStack? So within the office of the CTO, we actually exist within the product development organization and actually play a key role in conceptualizing new areas that we will pursue from a technology perspective. The interaction with our investor companies and their product groups is robust and a great dialogue between us. That continues frequently and what's interesting is it's a two-way street. We reach out to them to understand how they're adapting their go-to-market strategies with their innovations that they're bringing to market. As we begin to aggregate those technologies within the product development organization, within our platform engineering group or within conceptualizing new ways to address new business or use cases, within my group, we influence the development and roadmaps of where they may go with their individual component technologies to make sure that we're harmonizing together at a better end state for the three companies in partnering and working together. So what's got you jazzed these days? What are you really excited about? What are you working on? What's next? So what I'm most excited about is where we are going with large data center, cloud scale, web scale infrastructures and how Flash, existing storage technologies will all integrate into that and how the network fabric and some of the technologies that we are able to, if you think today about what is possible when you begin to do software to find everything, you begin to produce a new layer of automation to be able to react to minuscule minor micro changes within an infrastructure and adapt programmatically configuration changes of component infrastructure to better respond to the changing conditions a workload may need in a dynamic sort of fashion. And I'm excited about how you combine automation, programmatic APIs and component technologies and where analytics is going to push not only the storing of infrastructure but the analysis of that information infrastructure as it's being stored. Programmable infrastructure and meets big data. There you go. Excellent. Hey, thanks very much for coming to theCUBE. Great insights and perspectives as always. Congratulations on all the progress and we'll be watching. Good luck in the future. Keep it right there, everybody. We'll be right back with our next guest. We're going to go deep with a VCE VBlock customer and unpack some of that TCO stuff that we're talking earlier with Provene. So keep it right there. This is theCUBE. We'll be right back after this message.


QuickBooks Desktop 2023, 30 day free trial or purchase process and download from Intuit, the owner of QuickBooks website. Let's do it! With Intuit's QuickBooks Desktop 2023. Support Accounting Instruction by clicking the link below giving you a free month membership to all of the content on our website broken out by category further broken out by course. Each course then organized in a logical reasonable fashion making it much more easy to find what you need than can be done on a YouTube page. We also include added resources such as Excel practice problems, PDF files and more like QuickBooks backup files when applicable. So once again click the link below for a free month membership to our website and all the content on it. Here we are on our desktop to look at the objective we have the prior year software here this being the 2022 once downloaded and installed will have the 2023 software. Remember that if you do have a prior version of the software you could still generally move forward with the course. So we're going to then download the installation software which will look like this which we will then actually run in the following presentation. Now remember we talked about three ways that you might be downloading the software you might be purchasing the software in which case you would go to the Intuit website and then go to the QuickBooks here and then scroll all the way down to the desktop options and you might actually have to contact them if you want to get the QuickBooks Pro software. You also might have the prior version as I do here and you might see a prompt when you open the prior version in which case you could try to go through that prompt or you can go of course to the Intuit website. You could log in to your account and then download the 2023 software. So in that case what you would do is download the software just like we'll do here you'll get this little download item and then once you install the software you will then get a 2023 software icon on your desktop and then your data file you just open it with the new software and you will update the data file in a similar way as updating a Word document to a newer version of Word for example similar kind of process or you might have the free version in which case the best way to get there would typically be to go to some browser like your favorite browser like Google type in something like QuickBooks desktop free trial make sure you put in desktop not the online version and then you should find something like the download a trial you can basically verify to some extent that it's a QuickBooks website because it should be an Intuit is the owner of QuickBooks so it's quickbooks.intuit.com and then you can download the free trial I'm going to make this a little bit larger so I'll just do this process here now this one note you've got the download 30 day trial of QuickBooks desktop you have the QuickBooks enterprise that we can download now that's should have everything we need and more we're basically going to be using all the features that go through our QuickBooks Pro QuickBooks Pro Plus so so this should be you know what be fine for what you need but note that as of now I think they only have the 2022 version so you can use the 2022 version but remember that the backup files that we'll be using that will be attached with the course are going to be 2023 for the newest stuff however below you might have access to a prior the prior course material which has the 2022 backups if you want to use the backups they might not be necessary to use the backups but they can be a good tool to like jump forward in the practice problem for example if you have a Mac you can download the Mac version now you can follow along with the course and use the Mac version but note that the Mac version is different in the look and feel of it so you're going to have to search around a bit more on the Mac version to kind of see the same kind of kind of icons so meaning the forms will in essence be the same but the look and feel of it will be a little bit different so then you go ahead and pick up the trial version so it's going to be downloading it down here so there it is you're going to wait for it to download now note that i'm on google chrome so it has this little window down here where it downloads if you have firefox or something it might have an arrow up top if you're in uh microsoft edge or something like that then you might have another thing up top a bar a little yellow bar or something like that and once it's done i like to drag it on over you could show all the downloads and kind of find it there but i'm going to just drag it on over to the desktop and there we have it so there's this one so there we have it now i'm actually going to be installing next time we'll do the actual installation we're just going to basically run this i'm going to use the 2023 which is the latest version that i have for the installation this is the free version basically that i just downloaded just to show that process if you want to try to use the free version and again once we run it we should get another icon here which will be basically looking like this but mine will be for quickbooks desktop 2023 and then we'll actually open up the data files we can create new data files like for example multiple word documents with the quickbooks software also remember that if you're purchasing the software you want to make sure that you have the id because the product id and uh the user id information because at some point you'll have to register the software so you can't look that up in your account on into it but it's kind of nice when you're purchasing the software just to make sure that you take a note of those numbers because you will need them at some point in the registration process as you enter the software we'll see that process and when you will need them when we run the software next time actually installing the software onto the computer


I don't want to know who is your celebrity female crush Celebrity female crush Michelle Obama Lokali? Ha ha ha ha Lok, ya mami ya don't do loko, it's international comedian Ya kuna cha moja, ok choose between these two Amba reda na marua Hi beautiful people, my name is Ndenya and this is Crazy 11 Today I am here with a great comedian Also the first Kenyan director to translate a show from Netflix into Swahili You guys already know who I am talking about That's the one and only Eddie Boutita Hi, I come to my approach Hi Mambo, wumengara leo? Wumengara evi, wumengara aje leo Iga mimi How about it? Boutita, are you ready for my questions? You ready? Being Eddie Boutita I'm sure you get a lot of attention from men you work women women from women all that attention It's a bit easy Attention is nice I appreciate attention, give it attention Nuna hando laje Sinai chikuwa tuwile mkujia Have you ever had an encounter with a crazy fan And what is the craziest thing you've seen from a fan? Ya, there is a lady that I met in a restaurant up at Lavington She used to call me You know how she got my number when I paid using the phone So no I didn't give her my number So there is a day Moji Shotubaba went to the same restaurant and the lady was like nimi puteza nambia Boutita naju nimi kwa na moji So Moji called me Even Moji called me and spoke to her She saw the number So she used to call me every day That was the most crazy fan nimi wajona Ana nitu miyama picha Ana niyama miyama miyama kwa kwa kwa dosi Alapu libsi mama liya chatu eventually Aliya chapa Pengina nili chapa Will you rather be in a mental institution for one week or be homeless Homeless for one week I wasn't in a mental institution Ha ha, mimi nikiya agama Tohuna jubile kuna kwa nga Mimi moji mazi mutenas wajana nikiya tu om Sawa Okay, homeless Pick one color that you feel describes your character and tell us why One color that is describes your character Blue Why? Calm Blue is just calm I don't have a reason but I love blue It just describes me I don't want to know who is your celebrity female crush Celebrity female crush Michelle Obama Locally Ha ha ha I don't do local It's international comedian Okay choose between these two Amba Reda and Amaru I don't have a reason I don't have a question Water You don't mind too Ha ha ha Okay Whoneva feels to make you laugh Myself That should be Chris Rock I love the structure for Chris Rock That guy does jokes that you can translate to any continent Dope is one of the best And Yeah, Chris Rock Okay Physical strength or mental strength Mental Because mental can give you tactics Even if you're fighting with someone And you have the mental strength Pressure points Will you rather take a date Take a chick for date For ice cream or a walk in the park Ice cream Why ice cream? It's romantic There's a lot of things I can do with ice cream I'll not explain them on air Sorry I didn't hear you well sir I can do a lot of things with ice cream But I can't explain here So what is the most interesting thing You've watched or seen this week The most interesting thing Was What was that This week This week was which one Oh, there's a lady on Tik Tok She was doing a challenge I think it's a challenge, a video for Me preparing to meet my mbaba Then she was singing the Lingala Rhymes I'll check it out Thank you so much butitia for coming to my show It was that quick We are shooting Come I'll take you We are shooting here We have Kapedo the Great This is Kapedo I love you all And we have the entire team here You guys there You have ambushed us on our location But how was the show The show was nice It reminds me of the international shows that I see So I really appreciate What's the name of the show 11 Why 11 and not 69 Because I felt like 11 is a quick number And also it's not too long Because this show is meant to be a fun show We spoke about mental strength I thought she could get that If you don't get it, forget about it Okay, I still don't get it I still don't get it Okay, let me do crazy 3 On the sofa or in the kitchen What? You just speak On the sofa You cook on the sofa No, but relax on the sofa I don't relax in the kitchen The question was about cooking You didn't say it was about What question did you create in your mind Chilling, where do you chill Crazy 2 Size or pocket Pocket Rwanda Or Congo Rwanda Why Rwanda?


Four ways the Holy Spirit speaks. First, the Holy Spirit speaks through the word. This is the primary way he speaks. If you don't know the word, you can't discern his voice. Second, the Holy Spirit speaks through wisdom. Now, wisdom isn't necessarily a specific instruction, but rather a godly way of reasoning. Wisdom is sharpened by the word. Third, the Holy Spirit speaks through the whisper. This is his personal instruction to you. This is necessary for you to receive direction for very specific situations in your life. The whisper is not as reliable as the word or wisdom because it can be clouded by your own thoughts and emotions. Now, many believers make the mistake of trying to live by the whisper first instead of the word and wisdom as foundations. And finally, the Spirit speaks through wonders. Wonders include prophetic words, miracles, dreams, visions, and the like. Ground yourself in the word to properly discern wonders.


So here's a 4k projector at the CES 2020 at the show stoppers Hey guys, yeah, my name is Sean and we have this the new X10 4K E here This is the our new 4k LED smart projector. It's meant for portability So it's got you can see a little small handle in the back You can carry it from your living room to your bed bedroom or your backyard for movie nights It's got a common condensers to this building on both sides Sound quite. It's really good Compatible with Alexa and Google assistant. So you do voice control turn on the projector Turn off the projector or change of volume using Alexa Hey Google. I'm sorry Alexa. Oh, it's not connected right now. It's just too loud right now to use Alexa Okay, but yeah, it's got a Wi-Fi built-in Bluetooth So if you want to use it just as a Bluetooth speaker you turn on the Bluetooth mode and it connects your phone You can use it as a Bluetooth speaker because you have powerful speakers in there Yeah, it's got really good powerful speakers on both sides And that's surprise is 1499. It's a 4k UHD and it's just a cover for the ports What points right here here? So once I'm put on this thing you can just cover the ports basically So the reason you put a speaker in there is so you can You can drown out the fan noise, right? I'm joking. Actually, how about is it because it's our UD base It's not as hot as lamp. So It's not as I would say that the fan noise is lower compared to a regular lamp base projector Do you have the same version without the speaker? No, all these have speakers built-in All these yeah, we just found out. It's just found that it's not a 4k right here It is on a 4k here and then the good thing about this is that it's really quiet at 20 decibels So this is probably one of the quietest projectors on the market right now And when it's running you can't even hear it like 20 decibels is like kind of like the ambient noise in your room without anything on And They both can do 20 30 thousand hours. Yes, correct. They last up to 30,000 hours Just put it in perspective use it for four hours a day will last you for like more than 15 years So you should definitely use it for 24 hours a day if you want to yeah, I can live them on 24 hours a day Please five four years. Yeah So they're both 4k this one immense meant for portability that one is for Basically mounting on a ceiling if you have a dedicated movie room you can mount this on and It's got a better color with reduction writer better speakers It's not 2,900 I'm sorry 2,000 nine. Yes, correct. It's 2,900 lumens. Yes. This is the 2,400 lumens. It's not very far Not very far. Yeah It's just that the other features like lens shift and the more powerful speakers built in and It makes it a little bit different, but the best thing you can do is Is have external speakers known. Yes, you can connect to the external speakers as well And if you have a surround sound setup in your movie room, you can connect to your speakers So it's just a mini jack Yes, it's a it's got the 3.5 millimeter jack. Also, it has optical out so it can connect to your Do wireless speakers Not at this point not while speakers, but you can use it as a Bluetooth speaker like this one You can connect to your phone and connect cash your music Stream it to the truth. So this one is a 4k also, right? In the future, but this one is not 4k right now. This is a 480p projector The benefit of this is that we make it really small. It's half pound four by four inch Size dimensions So it's more of a fun product, you know great for the dorm rooms for Small bedrooms. We have two different models The one without Wi-Fi is 169 and then the one with Wi-Fi is 199 So they look exactly the same. It's just that one with Wi-Fi one without Wi-Fi What you will do with the Wi-Fi you will not go on Netflix, no? Yeah, you can actually cash your screen if you have a smartphone wireless display. Yeah, wireless display You can stream videos like maybe similar to Chromecast you can stream videos But it's not Chromecast. It's not what? It's not Chromecast. It's uh, it's not Chromecast. It's merecast Yeah, it's kind of like you said that it works with a native screen mirroring app on your iPhone You can't install Chromecast support. Um, no It's some reason, you know, you can you can plug in a Chromecast It's got an HDMI port right here. So we can plug in the Chromecast 5cv a Roku stick And you can power it through the USB. Yeah USB port as well. It has a 5v out the cable over to power the Chromecast USB, yeah, you can plug in your favorite dongle. How long is battery? It's two and a half hours battery life So you can watch a movie Yeah, or if you want to extend it you can use a power bank plug in a power bank and you can extend a battery for as long as a you know Depend on how depends on how big your battery bank is you need a powerful power bank to run off it No, just a regular self-load charger It's any cell we're going to self-load charger will work with this. You don't need a 3a power bank or Yeah, 2a will work What is this one? And this one is M2. It's a full HD native 1080p projector LED base as well Very similar has Wi-Fi and Bluetooth These have this one has a common current speaker built-in as well So basically it's a very very similar speaker projector, but it's a smaller form factor compared to the 4k ones So you have speakers in all of them in all the projectors, basically People love that Yeah, they love it. It's just more convenient. They have the option to use this built-in speaker Or if they have a surround sound setup already, they can connect to their surround sound system I'd like to see some really cool wireless speaker systems with projectors and not use the built-ins project speakers But they have external wireless speakers and it it could be like using a special rf or something that's easy to use and Only work so that's maybe just bluetooth. Yeah, I mean there is like us bluetooth adapters out there They're fairly inexpensive you plug into the 3.5 millimeter output and they actually broadcast the music or the sound and in audio surround all the speakers Sometimes there's a lag Yeah, it could be a lack, but I think there's a way to not have a lag Yeah, the latest version of the adapters out there. I think they minimize the lag You know the input lag so so how big is view sonic and projector business? We've been in the projector business for over 20 years. We started with monitors first and then about maybe 10 years later we Got into the projector market and I think since the 90s. We have projectors, you know Are you top four top five in the world? I think right now based on the latest You know research You know I would say based on the latest research company data provided by them We are number two right now based on the volume unit cells. So it's optoma and then it's you It's absinth and then absinth.  I think within the united states Hi, you are well why I think we went with top five top five All right, but uh view sonic is Company from where? uh, we headquartered in uh, orange county, california And we have different locations around the world And this is all technology from taiwan or? Uh, you know china. Yeah from asia. I would say we have different, you know multiple What we're multiple partners and factories And you always with the latest whatever dlp is ready to do you will use it right as always dlp Yeah, we yeah, we use the 100% dlp So there's no ak glp yet? No not yet coming soon Before the olympics Well, let's hope that you know


Personal Finance PowerPoint Presentation Consolidated Omnibus Budget Reconciliation Act otherwise known as COBRA, prepared to get financially fit by practicing personal finance. Remember that insurance is part of our long-term risk management strategy where we follow the adage of measure twice, cut once, putting a formal process in place, which will be something like set our goals, develop a plan to reach the goals, put the plan in action, review the results, repeat the process periodically. We're now looking at COBRA that most of this can be found at Investopedia All About COBRA Health Insurance, which you can find online. Take a look at the references, resources, continue your research from there. This is by the Investopedia team, updated March 3, 2022. So we've been talking about different types of insurance, focusing in now on the health insurance, noting that the health insurance can be more complicated than other types of insurance due to, in part, the health industry being more complicated or complex in and of itself and the different laws and regulations around it. Clearly, one of the things that we want to be careful of with insurance is having gaps where we don't have insurance or for switching insurance from one place to another, or if we're getting our insurance that's linked to, say, a place of employment, if we're moving employment, then what's going to happen with our insurance policies? How can we make that transition move smoothly? So now we're talking about all about COBRA Health Insurance. This is the Consolidated Omnibus Budget Reconciliation Act, otherwise known as COBRA. Aren't COBRAs poisonous? No. Well, this is a different COBRA. This is the Consolidated Omnibus Budget Reconciliation Act. So this is like a beneficial health beneficial thing, COBRA, here. It's a health insurance program that allows eligible employees and their dependents that continue benefits of health insurance coverage when an employee loses their job or experiences a reduction of work hours. So if you're no longer eligible for the health insurance possibly because your hours got reduced and or you're changing jobs and your health insurance is through the employer, we want to be careful that we don't just simply lose the insurance. And so you got that kind of transition period, which this can help with. Below, we'll explore the basic details of COBRA, how it works, its eligibility criteria, pros and cons and other features. What is COBRA Health Insurance? You might ask large employers in the United States, those with 50 or more full time workers are required to provide health insurance to their qualifying employees by paying a part of insurance premiums. If an employee becomes ineligible to receive an employer's health insurance benefits, which can happen for a variety of reasons such as getting laid off or falling below a minimum threshold number of hours worked per week, the employer may stop paying its share of the employee's insurance premiums. In this case, COBRA allows employee and their dependents to retain the same insurance coverage for a limited period of time provided they are willing to pay for it on their own. So it's a way to kind of basically say, OK, we're going to extend the fact that we want to stay on the insurance at least for a limited time instead of just simply being dropped at that point in time, especially since part of the payment might be being paid by the employer. So under COBRA, former employee spouses, former spouses and dependent children must be offered the option of continued health insurance coverage at group rates, which otherwise would be terminated. So note when you're talking about getting we noted in prior presentations that health insurance is often connected to the to the work. And that in the past, because there was a benefit kind of program. And oftentimes in the past, we had more families or households, which had one income households and people stayed in one job for a longer period of time. That's kind of changing these days. But there's still benefits to the group plan often offered through work, which means it's the first place people look oftentimes for health insurance, because you might get a group plan, which is cheaper possibly. And there's sometimes tax incentives and benefits that make it affordable to get the health insurance through the employer. But clearly that causes problems if there's some kind of change and we don't want the health insurance to just be taken away automatically so that so that you're without health insurance, at least for a period of time. So they're required that you are at least offered the capacity or the ability to continue the health insurance. So but you're going to have to pay for it in that case. So it's an offer to continue the health insurance that you're going to be paying for, even though you no longer have the wages coming from the employer in the same way. So while these individuals are likely to pay more for health insurance coverage through the COBRA than they did as employees. So you might think, well, I'm going to get COBRA. That means I'm going to get the same deal for the health insurance or possibly they're required to keep me on the health insurance without paying or something like that. That's not the deal here. The deal is that you might have to pay for it and possibly pay more because the employer is no longer paying their half because the employment situation has changed. But they give you the offer to keep on the insurance instead of just completely taking it away in like a sudden fashion. So because employer will no longer pay a portion of the premium costs. So COBRA coverage might be less expensive than an individual insurance plan would be. So then you're going to be considering is it worthwhile then since I'm going to be paying for COBRA to pay for the COBRA or going to an individual insurance plan or you might have some time to make that transition depending on where you are and where's the window of opportunity to buy other types of insurance using the COBRA. It's important to note that COBRA is a health insurance coverage program and plans may cover costs towards prescription drugs, dental treatments and vision care. It does not include life insurance and disability insurance qualifying for COBRA health insurance. There are different sets of criteria for different employees and other individuals who may be eligible for COBRA coverage. In addition to meeting these criteria eligible employees can typically only receive COBRA coverage following particular qualifying events as discussed below. Employers with 20 or more full-time equivalent employees are usually mandated to offer COBRA coverage. So note you have this kind of size requirement. This is typical when you have government regulations because they typically would want to put those regulations on the larger companies and are skeptical to put them on smaller companies which may not be able to handle the more burdensome regulations they might have to maneuver a bit more quickly when you're smaller business. So the working hours of part-time employees can be clubbed together to create a full-time equivalent employee which decides the overall COBRA applicability for the employer. COBRA applies to plans offered by private sector employers and those sponsored by the majority of local and state governments. Federal employees are covered by a law similar to COBRA. So if you're on the federal side of things typically the benefits for the federal employees are typically pretty good. So you got an equivalent or similar type of thing you would expect there. Additionally, many states have local laws similar to COBRA. These typically apply to health insurers of employers having fewer than 20 employees and can be called many COBRA plans. Those many COBRAs are even more dangerous than the big COBRAs oftentimes because their head whips around faster. I've heard but we're not talking about snakes here. This is a good COBRA health insurance. But in any case a COBRA eligible employee must be enrolled in a company sponsored group health insurance plan on the day before the qualifying event occurs. The insurance plan must be effective on more than 50 percent of the employer's typical business day in the previous calendar year. So the employer must continue to offer its existing employees a health plan for the departing employee to qualify for COBRA. In case of the employer going out of business or the employer no longer offering insurance to the existing employees for instance if the number of employees drops below 20 the departing employee may no longer be eligible for COBRA coverage. So obviously if the if the business is having trouble and they're downsizing or closing up the business and laying people off or doing stuff and that's kind of different than if someone is being laid off and the business is continuing on as usual other than that for example. So the qualifying event must result in a loss of the employee's health insurance that's kind of the point they're trying to mitigate the loss of the health insurance so you don't get stuck without the health insurance and then possibly having more difficulty to get health insurance once you're without it. So the top type of qualifying event determines the list of qualified beneficiaries and conditions vary for each type of beneficiary. Employees, employees qualify for COBRA coverage in the event of the following voluntary or involuntary job loss such as the 2020 economic crisis except in cases of gross misconduct a decrease in the number of hours of employment resulting in loss of employer insurance coverage. So you might say that you're that you're going away from the job or you might just have a reduction of hours which no longer allows you to get the coverage so both of those events could would result possibly in the coverage being kind of yanked out from under you unless there was something that would prevent that from happening the COBRA is allowing you hopefully to prevent that from happening so you can still pay for the insurance although again it's not free in that case it's just that hopefully the insurance company won't just pull the insurance out which could cause problems. So spouses in addition to the new qualifying events for employees above their spouses can qualify for COBRA coverage on their own if the following conditions are met the covered employee becomes entitled to Medicare divorce or legal separation from the covered employee death of the covered employee so whenever you're talking about health insurance through the work we often have this situation that if one person qualifies then you get the family that's going to be qualified with that health insurance and any kind of event that's going to result in the changing of the health insurance we got to think about the other people that possibly are affected as well so dependent children qualifying events for dependent children are generally the same as for the spouse with one addition so the additional item loss of dependent child status as per the plan rules so the employer must notify the plan within 30 days of the qualifying event that is applicable to the employee so the qualifying event coming up the the employer is going to say ah we're going to yank your health and so they're not just going they're not just going to not talk to you hopefully and then just yank your health insurance out because whatever the qualifying event happened happened right they should be notifying you about the fact that the qualifying event is going to be happening which would be nice and then possibly giving you the capacity to pay for the COBRA so that you so that you can plan from that point in time although you would still have to be paying for the COBRA so the employer or beneficiaries must notify the plan if the qualifying event is divorced legal separation or a child's loss of dependent status COBRA benefits and available coverage for qualifying candidates COBRA rules provide for the offering of coverage that is identical to what to that which the employer offers its current employees so that's kind of the idea here you were on the plan before we're going to keep the plan status basically under the COBRA kind of situation instead of just yanking that out or making some substantial change to it so any change in the plan benefits are active or for active employees will also apply to qualified beneficiaries all qualifying COBRA beneficiaries must be allowed to make the same choices as non COBRA beneficiaries essentially the insurance coverage for current employees beneficiaries remains exactly the same for ex-employees beneficiaries under COBRA so you must be given at least 60 days in which to choose whether or not to elect continuation coverage so you're given the option hopefully you're not going to just jank the insurance away give you the option to elect the COBRA coverage which you can then choose to do again you still have to have payment for the insurance coverage but that can help you to to not have that sudden event of also changing your insurance plan all of a sudden so even if you waive coverage you can change your mind if it is within the 60-day election period from the date of the qualifying event COBRA coverage extends for a limited period of 18 to 36 months depending upon the application scenario one can qualify to extend the 18 month maximum period of continuation coverage if any one of the qualifying beneficiaries in the family is disabled and meets certain requirements or if a second qualifying event occurs potentially including the death of a covered employee the legal separation of a covered employee and spouse a covered employee becoming entitled to Medicare or a loss of dependent child status under the plan cost of COBRA health insurance how much does it cost the term quote group rate end quote may be incorrectly perceived as a discount offer but in reality it may turn out to be comparatively expensive so you might be thinking well if the thing is under COBRA they I should have a continuation of the same kind of payment structure I had before but that's not really the case because you might have had part of it being paid by the company now you could still have a benefit because you might be under the the group rates because that's going to be the idea the employer might have some kind of group health insurance kind of system but those group rates could be comparable to other health insurance once you don't have the the payment partial payment by the employer for example so it still could be costly situation during the employment term the employer often pays a significant portion of the actual health insurance premiums so you got to keep that in mind because this can be a shock to many people they because more benefits that go are actually paid by the employer and then you don't actually physically pay and see come out of your checking account people tend to start to think that the actual bill is less than that as opposed to you're getting paid you're getting a form of salary in another way the employer is paying for benefits so when all of a sudden you're paying the full amount again it can be kind of a shocking or jarring type of event for example an employer may pay 80 percent of the premium costs so the fact that the employer is paying that when you are working for them is really basically a form of wages but oftentimes it's beneficial for the employer to do that and the employee because you have might have tax benefits to basically do that but it complicates and confuses what you're actually earning what they're actually paying you so while the employee pays the remainder after employment the individual is required to pay the entire premium and at times it may be topped up with an extra two percent toward administration charges costs may not exceed 102 percent of the cost of the plan for employees who haven't experienced a qualifying event therefore despite the group rates being available for the cobra continued plan in the post-employment period the cost to the ex-employee may increase significantly when compared to prior insurance costs in essence the cost remains the same but has to has to be borne completely by the individual with no contribution from the employer cobra may still be less expensive than other individual health coverage plans it is important to compare it to coverage for former employee might be eligible for under the Affordable Care Act especially if they qualify for a subsidy so in other words you might be comparing it then to other types of plans in that situation and if your income is lower and you think you're going to qualify for a subsidy then the Affordable Care Act purchasing a plan on the marketplace then could be cheaper because you're basically getting a subsidy possibly in that situation so even though you have the capacity to go into cobra you might then realize you might say hey this got expensive all of a sudden and now my income is below to the point where I could get possibly a subsidy with the Affordable Care Act if I purchased it on the marketplace which might be cheaper so the employer assuming resources department can provide precise details of the costs those who lost health insurance due to a job loss during the 2020 economic crisis qualify for a quote special enrollment end quote period on the federal exchanges which give them 60 days to sign up that may have been a way to find a cheaper insurance option then cobra you've got like a window to go into these other exchanges so that's another reason why you don't really want the insurance to just be yanked away from somebody because you would like someone to go from a covered period to another covered period and be able to make the transition you know appropriately so sometimes you got to wait for the window to open up before you can get the other insurance so early termination of cobra health insurance cobra coverage can be prematurely in the following cases cobra coverage can end prematurely in the following cases failure to pay premiums on time that's a way to to cancel any kind of thing right you stop paying them employers ceasing to maintain any group health plan so the employer saying i'm not doing any health plan anymore well then you would think that you wouldn't qualify for cobra because it's not just you in that case there's stopping the health plan in general a qualified beneficiary gaining coverage under another group health plan for instance with a new employer becoming eligible for medicare benefits or engaging in miscontact conduct such as fraud pros and cons of cobra health insurance and individual who opts for cobra coverage is able to continue with the same physician health plan medical network providers cobra beneficiaries also retain existing coverage for pre-existing conditions and any regular prescription drugs so it's you're just continuing on with the cobra it's just that now you've got you've got to pay it yourself and you've got the other kind of limitation terms and how long you can have cobra and whatnot the plan costs may be lower than other standard plans and it is better than remaining uninsured as it offers protection against high medical bills to be paid in case of any sickness so clearly you don't want to go uninsured for multiple reasons one you want to make sure that you have insurance in the event that some big thing happens so some big medical problem happens that you wouldn't have insurance coverage for that time frame so it's not just like well i'm going to miss a couple doctor visits or something no i mean you're trying to get insurance against the big thing the big event that could happen and make sure that you have the risk mitigation there and two once you lose the insurance maybe it's more difficult to get insurance although they've got these rules against uh barring someone for pre-existing conditions and whatnot but still it would be kind of nice not to have a gap of no insurance basically would be the idea so nonetheless it's important to keep in mind the downside of cobra some of the most prominent of these include the high cost of insurance when it is born entirely by the individual the limited period of coverage under cobra and the continued dependency on the employer if the employer opts to discontinue the coverage an ex-employee or related beneficiary will no longer have access to cobra if the employer changes the health insurance plan a cobra beneficiary will have to accept the changes even if the change plan doesn't offer the best fit for the individual's needs a new plan may change the coverage period and number of available services for example and it may increase or lower deductibles and co-payments so for those reasons individuals eligible for cobra coverage should weigh the pros and cons of cobra against other available individual plans to select the best possible fit so you don't want to just say oh i got cobra so i'm just going to go on cobra i'm just going to ride it out on cobra because you might not be the best fit for you it still could cost more you might not you might be able to get access to the marketplace for it you might want to think of cobra more as that short-term kind of fit until i can find a more long-term option so that i don't go for a period of time without any insurance a potential cobra beneficiary also can explore for example whether they may qualify for a public assistance program such as Medicaid or other state or local programs however such plans may be limited to low-income groups and may not offer the best care and services compared to other plans healthy individuals can explore the option of a low-cost health discount plan so that would be another option that you could do if you don't have a job at that point in time you might be going for the cheaper premium and possibly looking for any other kind of tax benefits and or the the payments the subsidies but these plans don't count on insurance coverage which can make it difficult to get health insurance in the future since signing up for one of these plans means that insurance coverage is considered to have been interrupted managing a high cobra premium if you're considering cobra coverage but you're concerned about the differences between the cost of insurance coverage through this program and the cost of insurance with the support of an employer there are a number of important considerations to keep in mind when you lose your job you generally use your flexible spending account that's the fsa if you have one if a job loss is threatened you are allowed to spend your entire year's contribution to the fsa before you become unemployed if you were if you were going to contribute $1,200 for the year but it's only january for example and you've only had $100 withheld from your paycheck for your fsa you can still spend all of the $1,200 that you are planning to contribute say by seeing all of your doctors and filling all of your prescription immediately upon choosing cobra you can change your plan during the employer's annual open enrollment period and opt for a less expensive plan like a preferred provider organization ppo or health maintenance organization that's the hmo we talked about them in the past if if available a refundable tax credit called the health coverage tax credit the hctc can be utilized by qualifying individuals to pay up to 72.5 percent of qualified health insurance premiums including cobra contribution coverage the hctc the hctc program was due to expire on december 31st 2020 but the internal revenue service has extended the program through december 2021 uh tax deductions might also help reduce the burden of higher premiums while filing the annual tax returns you are allowed to deduct cobra premiums and other medical expenses exceeding 7.5 percent of your adjusted gross income agi on your federal tax return but you must itemize your deductions on schedule a you can achieve additional savings by reducing other healthcare expenses such as switching to generic drugs or buying larger supplies at a discount and visiting a low-cost community or retail clinic for basic health care services finally you can utilize the funds of your health savings account the hsa to pay cobra premiums as well as medical expenses which could significantly reduce the sting of losing your health insurance benefits it's important to note that making timely payments on cobra premiums is essential to maintaining coverage for the duration of your eligibility the initial premium payment is due within 45 days of the date of your cobra election and failure to make that payment could lead to the loss of your cobra rights payment is typically designated to cover a period that is retroactive going back to the date of the loss of coverage and the qualifying event that established eligibility if you do not make your cobra payments on time but you do with within the grace period for that period of coverage there is the possibility that your coverage will be canceled until payment is received at which point coverage will be reinstated government jurisdiction over cobra several agencies of the federal government are responsible for administering cobra coverage currently the department of labor and treasury maintain jurisdiction over private sector group health plans while the department of health and human services is responsible for public sector health plans however these agencies are not necessarily heavily involved in the process applying for cobra coverage or related aspects of the continued coverage program the labor department's regulatory responsibility includes the disclosure and notification of cobra requirements as stipulated by law and the center for medical and Medicaid services provides information about cobra precisions for public sector employees the american recovery and reinvestment act of 2009 signed into law by president biden on march 11th 2021 continued a provision that provided a 100 subsidy of the cobra premiums beginning april 1st 2021 and ending september 30th 2021 employers recoup the premiums through the medicare tax credit the american rescue plan act of 2021 signed into law by president biden on march 11th 2021 contains a provision that provides a 100 subsidy of cobra premiums beginning april 1st 2021 and ending september 30th 2021 employers recoup the premiums through the medicare tax credits you are eligible for the cobra premium subsidy if you lost coverage due to a reduction in hours or involuntary termination of employment your employer must treat quote assistance eligible individuals end quote who have cobra coverage during the six month subsidy period as having paid their premiums in full if however you are eligible for other group health plan coverage or medicare you will lose eligibility for the cobra subsidy you are required to self report your eligibility for other coverage to the cobra plan and will face a tax penalty if you do not applying for cobra health insurance how do you get it done in order to begin cobra coverage and individuals must confirm that they are eligible for assistance according to the requirements listed above typically an eligible individual will receive a letter from either an employer or the health insurance outlining the cobra benefits they should get information based on on the cobra a big package of stuff that you could take a look at and contemplate some individuals find this notification difficult to understand it sure is can be kind of confusing with a lot of stuff in it but because it includes a large amount of required legal information and language it sure does so if you have any difficulty determining whether you are eligible for cobra or how to begin coverage through this program contact either the insurer or your former employer's HR department for individuals either not eligible for cobra or those searching for alternatives there are other options in some cases a spouse's health insurance plan may be a possibility so if you're married and you're saying okay my health insurance we were on this health insurance through my work the next place to go and say well do we have health insurance possibly through the spouse's job or some other job as well because that might be the first place you kind of consider for the health insurance because of the group benefit possibility and possibly the tax benefits that would be related to it or you might explore your options on the federal health insurance marketplace or a state insurance marketplace so next you would probably say well if I don't have my income maybe my income is below a certain threshold I might have some tax benefits and other subsidy benefits if I go to the health insurance marketplace which you might first go to the state marketplace if you have one in your state and if not the federal marketplace loss of a job will open up special enrollment periods so you got usually there's an enrollment period that you got to kind of sign up for and you might be able to get a special enrollment period in the event of the loss of the job so as indicated above Medicaid programs and other short-term policies designed for those experiencing a gap in health coverage may also be available to you health insurance professionals typically discourage individuals from electing to go uninsured entirely as the possibility of severe downside is higher especially during an uncertain time so if you're not working and you're just bowling about you're going doing random stuff then you're probably more likely you're going to injure yourself in the first place and you don't want to have no coverage during the time in case you get some big injury that's going to be really costly so you typically want to have some kind of insurance at least against that big item that big problem that could always possibly happen that's the risk we're trying to mitigate fortunately individuals eligible for COBRA coverage have at least 60 days to elect the participate in the program what's the bottom line just give me the bottom line COBRA is a convenient option for retaining health insurance if you lose employer sponsored benefits and sometimes it is also the best option however the cost is often high and the plan is not always the best one to fit an individual or a family's needs


I'm very happy. Poppa pulled me aside and said he was very happy with me and he wanted to offer me to contract and for me I was very pleased. This is Wonders is the best club, one of the best clubs in the A-League and it's a great environment, good to be around the boys and everyone's happy and good vibes and even the coaching staff. I've learned so much with Poppa and the rest of the coaching staff. I've been here since the start, since the youth team. I've been making my way slowly, slowly and just been working hard, a lot of hard work, sacrifice and dedication and I feel like yeah I feel like I've been improving every year, stepping up my game. Last year I had a lot of games throughout the season and hopefully this year I can just, after I get back from my injury, keep improving and hopefully scoring the goals for the club. Very frustrating being injured, you feel very helpless, you can't do anything. No one wants to be injured and just been very hard for me personally. Never had a major injury before. Just been working very hard and just keen to get back on the park as soon as possible.


The Amazing Mr. Malone. Operator. Operator. Get me the office of John J. Malone. The National Broadcasting Company presents The Amazing Mr. Malone. An exciting half-hour of mystery starring George Petrie, as the lawyer whose practice before every type of bar has become a legend. Arnold Kahl is the city of Chicago, the time, the present, and the hero of these weekly adventures, The Amazing Mr. Malone. His name's John J. Malone, attorney in Costard Law. My hometown is Chicago, and there's a spot that offers unlimited possibilities for any lawyer interested in collecting cliches. Tonight I'd like to submit for your approval, hard work never killed anyone. To illustrate, I give you Willie Nelson. Willie is what is known as a small businessman. He sells newspapers. His favorite spot is the corner in front of the temple apartments. He gets a lot of play there. Nor does he mind walking up poor flights to make a sale. You've got to admire such fortitude, not to mention endurance. Yeah, Willie's gone places. And right now his destination is 4C. It's me, Miss Morgan. I got your paper. Just a second, Willie. Hiya, Miss Morgan. Come on in. Thanks. You got my racing form? Have I ever let you down? Well, see, we're the entries for Washington Park. Why? You got a sure thing? Oh, you're not kidding. Bright eyes in the first. Oh, that dog. I'm telling you, Willie, I got this from someone who knows. Well, look what he did last time out. Last by four lengths. They were holding him back for this race. Yeah, that's what you said about Moonglow on Monday. Well, that was different. Now, look, I want to put 20 on his nose and then the second race. I'm sorry, Miss Morgan, I can't do it. You can't do what? I can't take any more of your bets. You know how much you owe me already? What's the matter, Willie? Don't you trust me? That ain't the point. You're into me now for 140 bucks. Listen, listen, Willie, if I promise to pay you tomorrow... You said that yesterday. Well, it's just that I forgot to go to the bank. Look, I swear I'll take care of everything tomorrow. You can take it out of my winnings. I'm sorry, Miss Morgan. Honest, I would if I could, but I can't afford to take any more chances. Now, I suppose I got picked up for bookmaking. That might be a good idea. Oh, hello. Hello, Mr. Morgan, I didn't hear you come in. Next time, I'll send up a flare. To you, the boy who's been taking my sister's bets. Me? No, no, honest. Get out of here. Sure. Mr. Morgan, I was practicing. Get it. Yeah. You got your nerve on. Give me that racing form. I will not. Didn't I tell you something? Oh! I ever catch you so much as looking at a dope sheet again. You know what'll happen?  And they're pretty unattractable. You spend so much time doping the horses, you can't think of business. It's like a drug. Every time you get your hands on a couple of books, I'll let you alone.  Huh? Cal Myers. None of your business. I don't get difficult, Faye. Did you talk to the schmo? Yes. What'd he say? He won't do it for him. You're lying. I'll give you my word. Don't make me laugh. You didn't sound Cal out yet, did you? I swear. Did you? Oh! Why not? I told you there was nothing to worry about. When are you going to see that character again? Good night. Well, you better come home with good news. But I don't know what to tell him, Vaughn. Just what I told you to. Now get dressed. We mustn't keep dear Cal waiting. Waiter. Say, waiter. Yes, Mr. Myers. Was anybody asking for me? I don't believe so, sir. Well, will you tell the captain if Miss Faye Morgan can... Cal! Oh, there you are, honey. I was getting worried. Oh, I'm sorry. I'm late. Would you get the water now, Mr. Myers? I'll have it martini. I wish you wouldn't, darling. Huh? I hate to see you drink so much. Never mind, waiter. I'll call you when we're ready to order. Very quick, sir. Cal, I'm sorry. I didn't mean to embarrass you. It isn't as though I were a drunk. I didn't say you were, dear. But drinking is a weakness. You start off with one and the next thing you're... I know I'm in an alcoholic ward. You're making fun of me. Well, it is kind of funny. I'm a prude. And I wouldn't change you for the world.   It would be something to remember when I'm far away from here. What are you talking about? I'm leaving Chicago tomorrow. But why? I can't tell you. Well, I won't let you go. Do you think I want to? Oh, Faye, marry me. What? I mean it. Oh, darling, I'd love to... Then why don't you? I can't. Don't ask me. But I am asking. I won't let you go. You really want me to stay? Of course. Then get me $50,000. The reason I'm leaving Chicago is because of Vaughn. Your brother? Yes. He got mixed up with some bad company. Cow, he gambles. And he lost 50 grand? Yes. But what's I got to do with you?  Who does he owe the money to? Maybe I could get my boss to talk to him. No, no, no. You mustn't let Mr. Lyons do that. Why don't you let Vaughn run away by himself? You don't understand, darling. You're so strong and Vaughn's so weak he couldn't get by without me.  I got an idea. What? I know how we can raise the money. We could let you or Mr. Lyons sort of loan it to us. What are you talking about? Well, as the accountant for Mr. Lyons Enterprises, you're in charge of the money they take out of the slot machine. So? You told me they don't deposit the money, but once a week. I bet there must be at least $50,000 in the office at a time. Now, look, they... Oh, isn't there? Oh, yes, but... Oh, suppose one night there was a holdup. Are you kidding? It isn't as though we're actually stealing. After all, slot machines aren't legal. You realize where that money comes from? Even little children. What's that got to do with the... It's got everything to do. You think I'd let you do this if Mr. Lyons actually earned that money? He's just taking it out of the pockets of the poor. Oh, you're crazy. Well, that's the way it is. No, no, Faye, don't go. I asked you a simple favor. Do you know what Frenchie Lyons would do to me if he found out? But he doesn't have to find out. People arrive every day in the year. You can't help it if one night they happen to pick on you. What do you think, dear? Don't you want me to be Mrs. Calvin Myers? Well... Good. Then we'll consider the whole thing settled.  Oh, really, darling? I don't mind if you do. 41, 397, 1465...  Oh, I'll have them in about an hour, Mr. Lyons. You said that at noon. Oh, sorry. I don't know what's the matter with me. I've got a bad headache. Then let it go for tonight. You can do it the first thing in the morning. No, I'd rather finish up now. But you may be Hitler 12. Why, I don't mind. Well, maybe you don't, Cal, but I happen to have an engagement. Well, I can lock up. No, I wouldn't think of your... No, really. I don't mind at all. I've got nothing better to do. What about the safe? I'll take care of everything. All right. Would you like me to send Buzz over with some coffee? No. I'll be fine. Don't work too hard. Yeah. No, no, I can't. I just... Hey. Yes, darling? This...this is Cal. I know. Tell, uh... Tell your brother to be here in 15 minutes. Oh, shaker. Hello, Malone. Well, if it isn't the one and only Frenchie Lyons. Now I know it's true. What? You really are amazing. Can I come in? What is it? Business or social? Because if it's business... You have an office in the Prescott Building. Hey, come to think of it. I have ought to take a run over there some day and see what goes. Sit down. Thanks. Join me in a nightcap. Nightcap? Between breakfast and lunch? It's midnight in Hawaii. Oh. What's on your mind, Frenchie? I have a problem, Malone. Haven't we all? Yeah, but mine cost me in the neighborhood of 70,000. That's a nice neighborhood. Well, somebody tapped the till at my office last night. And you got an idea who that somebody is? Yeah. I left a boy named Cal Meyers in charge. According to his story, a couple of hoods walked in at 11 o'clock and made him open the safe. But you don't believe it? No. You're covered by insurance? Mm-mm. Well, my advice to you is to notify the police. Is that all you can suggest? That's all. Won't do. I want to keep this strictly in the family. Well, if you're going to ignore my advice, Frenchie, I don't know why you came here. I'm beginning to think it was a mistake, too. I'm sorry I bothered you, counselor. Believe me, it won't happen again. 20, 40, 60, 80, 100. How much did you say I owed you, Willie? 160. I thought it was 140. Oh, yeah, yeah. I was thinking of somebody else.   There you are. Thanks, Miss Morgan. It's a pleasure to do business with you. I'll bet. Well, I better be getting down to my stand. My customers... Well, what's the matter, Willie? Don't you like me? I was thinking of your brother. Vaughn, forget it. What was that? I don't know. It seemed to... Hey, there's somebody on the fire escape. Faye! Faye! Willie is... Beat it, Willie. Beat it. Sure, Miss Morgan. Anything you say, and thanks for taking care of Zio. It's okay. Faye! Wait a minute, will you? Thanks, honey. What's the idea, pal? Well, I couldn't help myself. Frenchie Lyons is looking for me. Then why did you come here? I didn't have any choice. Faye, we gotta blow town. Are you kidding? Well, I'm crazy about Chicago. You promised. You said we'd get married. Well, that raises a problem, Mr. Myers. You listen to me, Vaughn. If it wasn't for you, I wouldn't... Come to think of it, it is my fault. But you see, when I first met Faye, I was carried away. You first met her. Oh, didn't she tell you? We're married. You... You what? Yeah. On October 8, 1949, to be exact. Well... Ah, you should have seen her in those days, Cal. She was a doll.   Unless he's leaving. No. We're not gonna make it jump out of me. Nobody had to.   No, I'm staying here until... Until what? Come on, kiddo. Got anything more to say? No. Then on your way. And don't slam that door. Well, you were wonderful, Vaughn. You handled that with your customary finesse. Where did that racing form come from? I've got friends. That's not all you've got. What did you do with a dough? Dough? Don't go dull on me. Where'd you put the money? That's for me to know. And you to find out. You don't mean that, Faye. You wouldn't double-cross your one and only. Wouldn't I? Yeah, I guess you would have that. And it's probably just what I deserve. What do you think you got coming to you? No. Yeah. That you amazing? Who's this? Now, who else would it be? Brooks. But of course. What's on your mind, Lieutenant? Now, that's a pretty silly question. What have I usually got on my mind? Yeah, I should have known. I'm talking about business. Oh. Have you heard of a girl named Faye Morgan? No. Well, you're going to. She was knocked off at seven o'clock last night. What's that got to do with me? Maybe everything. We grabbed a killer and he wants you to defend him. What's his name? Cal Myers. Cal Myers. Boyle works for Frenchie Lions? Yeah. Tell me something, counselor. Why is it no sooner we nab somebody, they always scream for Malone? Well, what are you complaining about, Lieutenant? If they didn't, we'd both be out of work. Tell Mr. Myers I'll be over in 15 minutes. You are listening to the amazing Mr. Malone. Now that nice weather is definitely here, you've probably checked through your fishing stuff. You've got a car and overhaul and you're ready for some week ending in the country. Well, out of the hundreds of forest fires in America every year, nine out of ten are caused by carelessness. Don't be careless. Don't drop a lighted cigar, cigarette or pipe ashes. Break matches in two before throwing them away. Build your campfire in a sheltered spot and drown it carefully before you leave it. And check the local fire laws before using any fire at all. Our forests are a great natural resource and protecting them is our responsibility. Remember, only you can prevent a forest fire. And now, back to the amazing Mr. Malone. There's one thing I'll have to say for myself because if I don't, no one else will. I'm a man of my word. Here I promised Lieutenant Brooks I'd be over in 15 minutes and it was exactly 2.30 when I walked into Cal Meyer's cell. And at 2.31 I was ready to walk out.  Why does Lieutenant Brooks here think you did? Oh, I can't help it.  Well, I've been promoted. He called me an imbecile before.  What kind of a routine are you calling this, anyway? Well, you see, Cal Brooks and I enjoy a very unusual relationship. Yeah, you're both very unusual guys. Hey, you know, he's good counselor. We ought to take him into the act. Are you going to get me out of here, Malone? Well, it all depends. Did you kill Faye Morgan? Forgive me for even asking. Would you mind telling me what you had against the girl? Absolutely nothing. Yet the police have a witness who swears she threw you out of her apartment. That was Vaughn. Vaughn? Her husband. What are you smirking for, Lieutenant? I knew Faye was married. Well, that makes it even better. You're out of your mind. That's very funny. Is this...? No, no, I was just thinking. You work for French Alliance. So? So someone walked out of his office last night with close to 70 grand. And where'd you pick that up? I got a rumble. Oh, what's the connection? You tell us. Look, Malone, who's side are you on anyway? Either you want this case or you don't. Well, as long as you put it on that basis, I don't. Let me out, Lieutenant. Sure. So long, Cal. Lots of luck with your new lawyer. Thanks. Don't mention it. Hey, you know something, Malone? Yeah, I wasted a lot of time. You know, it's lucky you didn't go any further. You'd have ruined your record. This is one boy you'd never get off. Are you insinuating I take only the easy ones? Oh, heavens, no. You don't think I can get them off, huh? I know you can. Well, if this is what you wanted, Lieutenant, you couldn't have planned it better. Go on back and tell Myers I've changed my mind. Get your reading and paper here all the latest, Newt. Your paper, mister. Uh, you got a racing form. Boy, you betcha. You wouldn't happen to know how Strongheart did in the fourth of Hollywood. He won. Paid $16.80. Were you in on him? No, I, uh, I couldn't find a bookie. Well, any time you're looking for a little action, let me know. Well, that's good to know, uh... Willie. Willie Nelson. Nice meeting you, Willie.  I don't miss much. I bet you don't. Didn't you discover Faye Morgan's body? Are you a cop? No, but I heard that when you went up to deliver the papers to her apartment this morning, you found it. Look, mister, I gotta get back to my stand. Will 10 bucks buy a couple of minutes of your time? How about 20? No, I'm sorry, but I got... Wait a minute. Don't I know you from someplace? I don't know. Do you? What did you say your name was? I didn't say, but it's Malone. Malone. John Jay. Sure, you're that lawyer, ain't you? I don't know if I'm that lawyer. See, I know all about you, Mr. Malone. My mother always wanted me to be a lawyer. I bet you should stick to your newspapers. Now, about that 20 bucks. Oh, I wouldn't take any money from you. It's a privilege to cooperate. Ask me anything you want. What kind of a girl was this Faye Morgan? Okay. If you're a horse. Huh? She was nuts about the nags. Oh. Who do you think killed her? Mr. Myers, of course. What do you say, of course? Well, the cops grabbed him. You saw Cal Myers come out of her building? Sure. Right after Mr. Morgan went up to see you. When did Morgan leave? Oh, I couldn't say. I didn't see him. But you're positive Myers left before he did? Absolutely. I saw him come out myself. Of course, that don't mean he couldn't come back again. Wouldn't you have noticed him? No, not if he went into the fire escape like he did the first time. He used the fire escape? Yeah. And believe me, he had a right to. That Mr. Lyons was plenty sore. Lyons? Don't tell me he was here, too. Yeah, he was looking for Myers. You tell that to the cops? They didn't ask him. That serves him right. Well, this has been a pleasure, Willie. Let's do it again real soon. Right now, I got to go do it to Mr. Lyons. You almost understand me, Malone. I'm tickled to death. You dropped by. But I still don't understand your reason. Well, I'm representing Cal Myers. Who? Cal Myers. He used to work for you. I'm sorry I can't place the name. Well, just to refresh your memory, when you came to my apartment this morning... I came to your apartment?  I left Malone. You sure you feel all right? Well, if I don't, I know who's responsible. Now, the way I see it, Frenchie, you knew Cal Myers was sweet on Faye Morgan. Is that the way you see it? Yeah, you probably figured she and her husband wound up with your dough. You're out of your mind. And why were you looking for Cal? Who said I was? I have it on what Winchell would call excellent authority. As a matter of fact, this same reliable source put you on the scene right about the time Faye Morgan was murdered. You disappoint me, Malone. I thought you were smart. Yeah, I guess I must be pressing too hard. Sorry, I let you down, Frenchie. Those things happen. Good night, counselor. I think you'll be able to find your own way out. Yeah? Let me talk to Mr. Malone, please. Who's calling? Willie Nelson. This is Malone. What's up, Willie? Oh, I think I got a lead for you. Remember you're asking about Vaughn Morgan? Don't tell me he came back to the apartment? Yeah, about five minutes ago. He wanted the key to his wife's room. You get it? Where's Morgan now? He's hanging around the entrance. Listen, Willie, you can't let me down. You must be on good terms with the superintendent. Well, he hit me for 108 bucks on a long shot yesterday. Then you ought to feel real friendly today. Get the key and go up to the room. I'll be over as fast as I can. Just a second, Mr. Malone. Come on in. Hello, Willie. What are you doing here, Mr. Morgan? You wouldn't believe it if I told you. You know, the cops won't like it if they find out. Who's going to tell them? They gave strict orders. No one was supposed to come in here. You're here? Well, I'm waiting for a friend. I'll try to keep out of your way. What happened to my wife's grip, Willie? I don't know. Guess the police must have taken it. What's that under the bed? You better not touch that, Mr. Morgan. Pull it out. No, I will not. Well, I don't know why Fay thought you were so accommodating. I can't get you to do anything. Listen, Mr. Morgan, I'm telling you... Maybe if I were to slip you something, you'd knock yourself out from me. Taxi! Taxi! Little mister? Yeah, you never can find a hack when you need one. Ain't it the truth? Can I give you a lift? Huh? I've got a new car around the corner. Maybe you'd like to get off your feet for a while. Look, Chum, I don't know what your game is. Tiddly Winks. What's yours, Morgan? How do you know my name?  Wasn't your wife murdered? Who are you? Nobody you know, but I think you know my boss. Your boss? Yeah, a fellow named Frenchie Lyons. Ah. I was waiting for you in my car. Would you like to talk to him? Oh, thanks. Come on, Morgan, get smart. I'm not keeping his hand in my pocket to protect the manicure. Where do we go? Just around the corner.  Look, fellow, I'll make your proposition. I wish I had the time to hear. How do you make up, Buzz? Ah, look. Oh, I'm glad to see you're going. Get in. Listen, Lyons. I'll be glad to. I expect to learn a great deal. All right, Buzz, find us a nice quiet spot where Mr. Morgan can talk to his heart's content. You are listening to the amazing Mr. Malone. Three chimes mean good times on NBC. Sunday on NBC, Rosalind Russell and Burgess Meredith co-star in biography. Theatre Guild on the air's final broadcast of the season. First produced on Broadway by the Theatre Guild in 1932, biography deals with a second-rate female portrait painter whose life story about to be published might embroil a number of her male subjects, particularly one with political ambitions. This comedy featuring two of your favorite Hollywood stars is sure to be a must in your Sunday listening lineup. Sunday also means another visit with the owners of that world-renowned dream house, Mr. and Mrs. Blandings. The Blandings, as portrayed by Kerry Grant and Betsy Drake, are just average people with a better-than-average knack of getting themselves into situations that mean just one thing, a load of laughs for you, the radio listener. So remember, Theatre Guild on the air and Mr. and Mrs. Blandings Sunday over this station. And now, back to the amazing Mr. Malone. A boy named Kipling once wrote a poem entitled If, and now there's a song with the same name. I ought to use it for my own personal theme. If I hadn't stopped off with Lieutenant Brooks and if I had gone immediately to see the obliging news boy Willie Nelson after his phone call, things might have turned out differently. But there's that big if again. Anyway, when the Lieutenant and I walked into Faye Morgan's hotel room, Willie was still waiting. Get some water, Malone. Is he? No. Someone only did a croup on the skull. He's coming too now. How about that water? Sure. Never mind, Lieutenant. I'm all right. I thought the first thing they always said was, what happened? I just asked. I was here. Suppose you tell us, Willie. Let me up and I'll tell you. I second thought maybe I'd better park where I am. Who did it? Mr. Morgan. What do you want? I don't know. Must have been after the bankroll.  We took this place apart. Well, it was a grip under the bed. Is it there now? Nope. And Faye must have stashed the money in there. No, you're not, Malone. There was nothing in that bag. I examined it personally. You didn't look hard enough. Oh, I'm sure I did, Malone. Hey, Lieutenant. Look who's here. Well, hello, Frenchie. Come on in. I have a couple of friends waiting outside. Would you mind? Not at all. I'm all the merrier. Buzz? I assume you want him to marry me along. Well, well, old home week.  Buzz and I sort of took him under our wing. And from the looks of him, I say you must have flown pretty high and dropped him. Accidents will happen. Walt Dave. But now that we're all here, I suppose we call the meeting to order. Uh, correction, Mr. Chairman. We're not all here. What about your client, Cal Mayer? Well, he's accounted for. Will the secretary read the minutes? May I have the floor? Chair recognizes Mr. Lyons. I move we dispense with this charming piece of whimsy and get down to business. Yeah, I second the motion. You oppose, Vaughn? Mm-hmm. I think he means no. Well, he... Don't mind me. Mr. Lyons. There's a problem, gentlemen. I think we should all give our immediate consideration. You mean the murder of Faye Morgan? I don't consider that a problem. Well, then you know who killed her. No, and frankly, I don't care. What concerns me is the return of $70,000. Well, that's a mercenary attitude, Frenchie. Here, a beautiful young thing has been violently put to death and all you're interested in is... Money. All right. Help him out, Willie. Huh? Tell him where you hid it. Where I hid it? Oh, look, what are you getting at, Malone? What do you think killed Faye Morgan? Him? Uh-huh.  I'm surprised at you, Willie. Didn't anyone ever tell you you can't get away with murder?  And that's one big tip you overlook. No coffee, gentlemen? No thanks. Say, uh, Malone. Oh, Lieutenant, why does this have to happen every week? Well, you think I enjoy it?  Yeah, right behind the eight ball. Oh, that's good. That's really good. Wow, what do you want to know? Just one thing, Malone. What made you decide on Willie Nelson? It all came down to button-button. Who's got the button? And if you know the game, you'll see Willie was a cinch to be its. I don't see why, Malone. No one else had Frenchie's money, and it's obvious Faye Morgan wasn't killed until she divulged where she hid it. Well, her husband might have had the dough. If he had, he'd never gone back to the hotel and run the risk of being picked up by a lion's in company. No brooks, it had to be Willie. He had the best position of him all. He was right on top of every play. Yeah, yeah. What about your client, Cal Myers? What about him? Well, how'd you know he didn't have the money? That's easy. If he had, I would have gotten it and you wouldn't be stuck for this check. Good night, Lieutenant. Ever hear the story of the boy who was bored with it all until he bought himself a gun? From then on, he got a big bang out of life. I'll tell you all about him next week, so why not pick me up at my office at the same time? I'll be waiting for you. Good night. George Petrie was starred as John J. Malone with Larry Haynes as Lieutenant Brooks. Our program is written by Gene Wang and directed by Richard Lewis. The Amazing Mr. Malone is based on a character created by Craig Rice and produced by Bernard L. Schubert. The events and characters in this story were entirely fictional and any resemblance to persons living or dead is entirely coincidental. Fred Collins speaking. The Amazing Mr. Malone has come to you from New York. Stay tuned for The Man Called X, next over most NBC stations.