Speaker 1: An illegal alien from Guatemala charged with raping a child
Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
Speaker 1: accused of murdering a Texas man of Venezuelan charged with
Speaker 1: filming and selling child pornography in Michigan. These are just
Speaker 1: some of the heinous migrant criminals caught because of President
Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States
Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border
Speaker 1: crossings are at the lowest levels ever recorded, and over
Speaker 1: one hundred thousand illegal aliens have been arrested. If you
Speaker 1: are here illegally, your next you will be fined nearly
Speaker 1: one thousand dollars a day, imprisoned, and deported. You will
Speaker 1: never return. But if you register using our CBP home
Speaker 1: app and leave now, you could be allowed to return legally.
Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,
Speaker 1: border and families will be protected.
Speaker 2: Sponsored by the United States Department of Homeland Security. My
Speaker 2: graduates from my school being false back and drop drop Mike,
Speaker 2: drop back, drop Drop.
Speaker 3: Earners, what's going on? You are now locked in the
Speaker 3: cliff notes, the number one place for investment strategies, tips
Speaker 3: and advice. Make sure you have your notepads ready, but
Speaker 3: more importantly, make sure you're ready to execute on the
Speaker 3: information to hear a more extended conversation. Make sure to
Speaker 3: check out our live YouTube show market Mondays every Monday
Speaker 3: eight pm Easter Standard time seven pm Central, and check
Speaker 3: out the Market Monday's podcast on iHeart, Spotify, Apple, or
Speaker 3: wherever you download your podcast.
Speaker 4: Now, all right, guys, welcome back. Before we start, we
Speaker 4: gotta let you know. You know, we got a lot,
Speaker 4: a lot of requests extend the sale for Eyle University.
Speaker 2: We heard you.
Speaker 4: It was supposed to get shut down on January one,
Speaker 4: but as you know any university, or as you might
Speaker 4: not know, it's actually ending as its current form and
Speaker 4: graduate school will begin. So we was planning on launching
Speaker 4: and graduate school January first, ran to some technical difficulties,
Speaker 4: had to make sure everything was right with the website
Speaker 4: and all that, so we pushed it back a week.
Speaker 4: The price made double, may tripping, may quadruple. We definite know,
Speaker 4: but it's going to be completely revamped. It's gonna be
Speaker 4: a different situation. But Eyl University includes over one hundred
Speaker 4: past webinars weekly webinars, access to our movie club, access
Speaker 4: to our book club, access to our Facebook group, bi
Speaker 4: weekly real estate calls with MG the Mortgage Guy, and
Speaker 4: once a month financial planning calls with me. All of
Speaker 4: that is included in the EYO University membership. So if
Speaker 4: you're interested, you can go to eyouniversity dot com right
Speaker 4: now and enter promo code eyl at checkout for forty
Speaker 4: percent off. Yeah. So four one K, right, this is
Speaker 4: the beginning of the year. The four one K is
Speaker 4: a lot of people's first way to start investing in
Speaker 4: the stock market. Right, most people actually the majority of
Speaker 4: their stock investment, or if they only they only have
Speaker 4: one stock investment, and that is the four one K. Right.
Speaker 4: A lot of people don't have outside stock investments outside
Speaker 4: of a retirement plan. So what is your suggestion for people,
Speaker 4: young people or old people whatever that you know might
Speaker 4: have just signed up for the four one K or
Speaker 4: are in a four one K. What's your thoughts on
Speaker 4: allocation and things of that nature.
Speaker 2: No, I think that that's a really good question. I
Speaker 2: did want to address what you all said about the
Speaker 2: tax deductions before we move forward, because I think that
Speaker 2: that's important and significant. When you live your life like
Speaker 2: a business. The expenses that you incur as an individual,
Speaker 2: you can, like you said, right off, as a business.
Speaker 2: So like the Internet that you're using on a regular basis,
Speaker 2: you already know you was going to be scrolling through Instagram,
Speaker 2: following uy L following in, following a shot, following Troy following,
Speaker 2: like y'all said, all right, but you also use your
Speaker 2: Internet to run your business. Your cell phone, you gonna
Speaker 2: call your girlfriend, You gonna gossip about that guy you
Speaker 2: swipe right on and he showed up at the day
Speaker 2: a whole catfish. But guess what else? You're gonna use
Speaker 2: your cell phone to call? Make business calls in order
Speaker 2: to generate business. Like when I started looking at the
Speaker 2: number of tax deductions that are available for your business,
Speaker 2: those number over four hundred deductions. If you're going on
Speaker 2: vacation but you're doing business for a certain percentage of time,
Speaker 2: that's no longer a business. I mean, that's no longer
Speaker 2: a vacation. That's now business travel. So when I started
Speaker 2: to reorient my mind into thinking about what are the
Speaker 2: things that I'm gonna do anyway, you know, just as
Speaker 2: an individual, how can I reclassify that as my business,
Speaker 2: I was able to see how I can reduce the
Speaker 2: taxable income because you all talked about taxes being expensive.
Speaker 2: Taxes are expensive the more income that you earn, because
Speaker 2: the percentage that they charge in taxes increases along with
Speaker 2: your income. With deductions, you're able to reduce that tax liability,
Speaker 2: and that's what deductions really afford to you. So that
Speaker 2: was I really liked how you all talked about that.
Speaker 2: In regard to the four O one K four O
Speaker 2: three B if you're working with a nonprofit organization four
Speaker 2: one K four three B TSP. If you're self employed,
Speaker 2: it is the IRIS the traditional ROTH, and we can
Speaker 2: talk about that as well. The first thing that you
Speaker 2: want to do is you want to ask your employer,
Speaker 2: because the four to oh one K is an employer
Speaker 2: sponsor program, if they can match your contribution and how
Speaker 2: much they match per dollar. So one of my employers
Speaker 2: match up to six percent of the salary that I
Speaker 2: was earning, so every single year, just like you said, Richard,
Speaker 2: they're going to ask for those individuals who want to
Speaker 2: contribute to the four oh one K, they're going to
Speaker 2: ask how much you want to contribute and how frequently,
Speaker 2: So you want to make sure that you ask those
Speaker 2: critical questions. The second thing is the biggest mistake that
Speaker 2: I made, is I did listen to my mama because
Speaker 2: she told me listen at twenty years oh, you were
Speaker 2: going to be invested in your four one K, and
Speaker 2: I will tell her at twenty years old, I'm not
Speaker 2: thinking about retirement. I'm not thinking about retirement. But we
Speaker 2: know the benefits of compound interest. The earlier you get started,
Speaker 2: the more your money can go to work with you
Speaker 2: or work for you over the years. So my mom
Speaker 2: started investing in retirement at thirty one. She thought if
Speaker 2: I could start eleven years ahead of her, then perhaps
Speaker 2: I could retire early. But for four one ks, you
Speaker 2: want to look inside whatever your employer has set you
Speaker 2: up with. Initially, for me, one of the biggest mistakes
Speaker 2: I made is I looked inside of my four one
Speaker 2: K late and I saw that nearly one hundred percent
Speaker 2: of my money was invested in money markets. So I
Speaker 2: think I heard maybe Ian talking about it earlier. I
Speaker 2: came in maybe about ten minutes towards the end of
Speaker 2: the conversations. But money markets are not going to return
Speaker 2: as much as equities, So like my money is returning
Speaker 2: one or two percent a year. It took me like
Speaker 2: two years to check it. One or two percent a year.
Speaker 2: That's equivalent to your money be invested in a savings account.
Speaker 2: Think about a four to one K. If you were
Speaker 2: active managing your funds, or you're critically thinking about what
Speaker 2: mutual funds you want to select, then you should be
Speaker 2: returning at least, in my opinion, at least that what
Speaker 2: the S and P five hundred is returning. So one
Speaker 2: to two percent was too low for me. So I
Speaker 2: had to go inside of my four o one k,
Speaker 2: look at the mutual funds that my employer has selected
Speaker 2: for me, and then get smart, just like you all
Speaker 2: said informations on the other side of your fingertips, get
Speaker 2: smart about what mutual funds I thought we could perform
Speaker 2: better for me versus what my employer selected. What are
Speaker 2: some of the things that I look for. The first
Speaker 2: thing is rule of thumb. You take one hundred and ten,
Speaker 2: you subtracted by however old you are right now, and
Speaker 2: whatever that resulting number is is the percentage of equities
Speaker 2: in which your mutual funds should be invested.
Speaker 3: So it said it one more time because I know
Speaker 3: people missed it, but it's formula.
Speaker 2: Yes, So you take one D and cent, you subtract
Speaker 2: your age, and whatever that resulting number is is the
Speaker 2: percentage of equities in which you should be invested. Equities
Speaker 2: is synonymous to stocks. You can have US equities, which
Speaker 2: is US companies. You can have non US equities, which
Speaker 2: means that's foreign investments, that's foreign businesses that are being
Speaker 2: traded on their stock markets. So whatever that number is,
Speaker 2: equity should be represented there.
Speaker 4: Ho hold, I just want to just because that was
Speaker 4: that was actually a very very good, useful formula. So
Speaker 4: if you're thirty years old, that's roughly eighty percent. Eighty
Speaker 4: percent of your money should be in stocks. Yep, that's
Speaker 4: extremely I agree.
Speaker 2: You guys are sleeping on it. Write that down, crit
Speaker 2: it down, and they can play in three weeks. Like
Speaker 2: what was the formula? Write it down? Now, write it down,
Speaker 2: Come on down, we should have one. Come on, let's go,
Speaker 2: and you should be at money markets until you're like
Speaker 2: seventy or eighty. I can't believe they. So that is
Speaker 2: the thing about it is listen, y'all give away a
Speaker 2: lot of free games, so you want to look at
Speaker 2: the percentage of equities. You want to get familiar with
Speaker 2: the different asset classes that are available to you. So
Speaker 2: I heard Ian talking about bonds. You can do real estate,
Speaker 2: you can do a mixed fund. So like, you want
Speaker 2: to take a look at what's inside of that fund. Next,
Speaker 2: you want to take a look at your mutual fund.
Speaker 2: What is the expense ratio? Because over time, the higher
Speaker 2: the expense ratio is, the more expensive it is to
Speaker 2: keep that particular mutual fund. I recommend that the expense
Speaker 2: ratio be one percent or fewer. Okay. Expense ratio is
Speaker 2: what fund managers charge you to pay them to actively
Speaker 2: manage the investments within your mutual fund portfolio. Okay, so
Speaker 2: that's one percent. You take that one percent and you
Speaker 2: multiply it by the money that you have invested in
Speaker 2: that account. It's important that you understand what type of
Speaker 2: equities are in there. So you may look at like
Speaker 2: what is the type of fund and may say things
Speaker 2: like large cap, mid cap, small cap. I believe Ian
Speaker 2: was talking about this earlier too, so large cap. Those
Speaker 2: are the large companies that you definitely recognize their names.
Speaker 2: That's the Amazon's.
Speaker 3: This episode is brought to you by P and C Bank.
Speaker 3: A lot of people think podcasts about work are boring,
Speaker 3: and sure, they definitely can be, but understanding a professionals
Speaker 3: routine shows us how they achieve their success little by little,
Speaker 3: day after day. It's like banking with P and C Bank.
Speaker 3: It might seem boring to save, plan and make calculated
Speaker 3: decisions with your bank, but keeping your money boring is
Speaker 3: what helps you live or more happily fulfilled life. P
Speaker 3: and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly
Speaker 3: Boring since eighteen sixty five is a service mark of
Speaker 3: the PNC Financial Service Group, Inc. P and C Bank
Speaker 3: National Association Member fdic ernest What's Up? You ever walk
Speaker 3: into a small business and everything just works like the
Speaker 3: checkout is fast, the seats are digital, tipping is a breeze,
Speaker 3: and you're out the door before the line even builds.
Speaker 3: Odds are they're using Square? We love supporting businesses that
Speaker 3: run on Square because it just feels seamless. Whether it's
Speaker 3: a local coffee shop, a vendor at a pop up market,
Speaker 3: or even one of our merch partners. Square makes it
Speaker 3: easy for them to take payments, manage inventory, and run
Speaker 3: their business with confidence, all from one simple system. If
Speaker 3: you're a business owner or even just thinking about launching
Speaker 3: something soon, Square is hands down one of the best
Speaker 3: tools out there to help you start, run, and grow.
Speaker 3: It's not just about payments, it's about giving you time
Speaker 3: back so you can focus on what matters most ready.
Speaker 3: To see how Square can transform your business, visit Square
Speaker 3: dot com backslash go backslash eyl to learn more that
Speaker 3: Square dot com backslash, go backslash eyl. Don't wait, don't hesitate.
Speaker 3: Let's Square handle the back end so you can keep
Speaker 3: pushing your vision forward.
Speaker 5: You just realized your business needed to hire someone yesterday.
Speaker 5: How can you find amazing candidates fast? Easy? Just use Indeed.
Speaker 5: Stop struggling to get your job posts seen on other
Speaker 5: job sites. With Indeed sponsored jobs, your post jumps to
Speaker 5: the top of the page for your relevant candidates, so
Speaker 5: you can reach the people you want faster. According to
Speaker 5: Indeed data, sponsored jobs posted directly on Indeed have forty
Speaker 5: five percent more applications than non sponsored jobs. Don't wait
Speaker 5: any longer, speed up your hiring right now with Indeed,
Speaker 5: and listeners of this show will get a seventy five
Speaker 5: dollars sponsored job credit to get your jobs more visibility
Speaker 5: at indeed dot com slash pod Katz thirteen. Just go
Speaker 5: to indeed dot com slash pod katz thirteen right now
Speaker 5: and support our show by saying you heard about Indeed
Speaker 5: on this podcast. Terms and conditions apply. Hiring Indeed is
Speaker 5: all you need.
Speaker 2: Facebook's, the Microsofts to Googles. But then during the pandemic,
Speaker 2: some of the high performers have been the MidCap companies.
Speaker 2: So one particular MidCap mutual fund that I owned, two
Speaker 2: companies that were on there that were turned in triple digits.
Speaker 2: Tesla was in there, Teledoc was in there. Those were
Speaker 2: two companies that you absolutely know their name, and they
Speaker 2: returned it significantly. Why because, of course, we had a
Speaker 2: black swan event. No one could have predicted that we
Speaker 2: would be in the middle of a health pandemic, right,
Speaker 2: a health pandemic that nobody could have anticipated. And those
Speaker 2: companies that were able to serve our needs while we
Speaker 2: stayed at home, which is why they call it stay
Speaker 2: at home stocks, were able to experience tremendous growth. Okay,
Speaker 2: so MidCap MidCap, and then you have small cap companies
Speaker 2: and so those are small capitalized. That's what that CAP
Speaker 2: stands capitalized companies. Okay, so you want to take a
Speaker 2: look at that. Not everything that I take a look at.
Speaker 2: When I'm looking at mutual funds, I'm looking at the sectors.
Speaker 2: So you know, there's eleven sectors in the stock market, Like,
Speaker 2: what are the top three to four sectors within that fund? Again,
Speaker 2: one of the things that I loved about with Ian
Speaker 2: said he said, hey, these were the top three performing
Speaker 2: sectors for twenty twenty. Technology? Was it communications? Consumer discretionary.
Speaker 2: Get comfortable in figuring out what exactly does that mean?
Speaker 2: And guess what Google is? Your friend on the other
Speaker 2: side of your fingertips again, is information. Don't swim in
Speaker 2: the ocean of knowledge and drowning ignorance. When we talk
Speaker 2: about technology, that's the Apple, that's a Microsoft, that's a Google.
Speaker 2: When we talk about consumer discretionary, that's home depot. Y'all
Speaker 2: was in y'all house, fixing your closets, painting your walls,
Speaker 2: making your house look pretty. That's McDonald's. Were not going
Speaker 2: to negotiate if you should be eating them chicken nuggets.
Speaker 2: But let me tell you, some people got tired of cooking.
Speaker 2: They went right on in not drive through. That's a
Speaker 2: consumer discretionary category. Communications. Everybody was watching Netflix, Disney plus
Speaker 2: the introduction of five g's, So that's Sprint. I ain't
Speaker 2: gonna talk about y'all Sprint, folks, but the call always
Speaker 2: drops somewhere. Communications sectors. Be smart about the sectors. What
Speaker 2: are the companies that you're patronizing that you're spending your
Speaker 2: hard earned dollars at during the pandemic after the pandemic,
Speaker 2: pre pandemic, Be smart about the sectors. What are the
Speaker 2: sectors that underperform? Energy? Why? That's oil, right, that's oil.
Speaker 2: You can't love Tesla and be pro energy too, I
Speaker 2: mean that's clean energy. You know something you're looking at energy?
Speaker 2: You know you're taking the planes have been grounded? What
Speaker 2: do they require fuel? Right? When we're talking about cars,
Speaker 2: some of you aren't commuting to your nine to five.
Speaker 2: You're nine to five. You're not driving from your house
Speaker 2: to your job. You walk in from your bedroom to
Speaker 2: your living room. Okay, so you're not putting as much
Speaker 2: fuel in your car. Energy sector underperform, right, So like
Speaker 2: that's raking low. So you want to take a look
Speaker 2: at those sectors and you want to see if that
Speaker 2: makes sense. What are some companies that are part of
Speaker 2: those sectors? And then I look at the top ten
Speaker 2: holdings within that mutual fund, because I think it's important
Speaker 2: you know one of those top ten holdings, how they performing.
Speaker 2: And then the last thing that I'll say is that, yes,
Speaker 2: I read the prospectives. That's important. You should always read
Speaker 2: the prospectus. Yes, for some of you all it's alone.
Speaker 2: But if you can sit and you can watch Netflix
Speaker 2: and Binge, watch it for three consecutive days and text
Speaker 2: your boot, you can read the prospectus. But I also
Speaker 2: look at the benchmark, because the benchmark is what the
Speaker 2: fund manager said that they were going to this particular benchmark.
Speaker 2: I'm going to perform at or better than this benchmark.
Speaker 2: What is a benchmark? The guys talked about it on EYL.
Speaker 2: That's why y'all in here, right. So like that might
Speaker 2: be the S and P five hundred, five hundred publicly
Speaker 2: traded companies. That might be the Russell two thousand, you know,
Speaker 2: is it a Wrestle two thousand growth? Is it a
Speaker 2: Wrestle two thousand value? It might be the Russell twenty
Speaker 2: five hundred, It might be the Russell one thousand. This benchmark.
Speaker 2: If you look at and this is a key that
Speaker 2: I do when I'm teaching my classes, I go to
Speaker 2: markets ft dot com. Or if you have a tarmac
Speaker 2: with Fidelity, or you know whatever, wherever your four oh
Speaker 2: one K exists, going there, maybe they have some resource tool.
Speaker 2: But I go to marketsft dot com, I type in
Speaker 2: the stock symbol and I click performance, And when you
Speaker 2: click performance, it will show what was the benchmark for
Speaker 2: that particular mutual fund and at what percentage did it
Speaker 2: return five years ago, three years ago, one year ago,
Speaker 2: six months ago, three months ago today, if the stock
Speaker 2: market was open that day, Okay, it might be fifteen percent,
Speaker 2: twenty percent. Right, Let's say five years ago was fifteen percent,
Speaker 2: three years ago was ten percent. Then you're gonna look
Speaker 2: at your mutual fund and you want to see how
Speaker 2: well those fund managers put the expense ratio. Did they
Speaker 2: charge you that one percent that point zero five percent
Speaker 2: to work? If their benchmark was fifteen percent. If Russell
Speaker 2: one thousand return fifteen percent and your mutual fund returned
Speaker 2: six percent, they didn't even meet their benchmark. That means
Speaker 2: they set a goal that they couldn't even meet. And
Speaker 2: if they couldn't meet their goal five years, three years,
Speaker 2: two years, one years, what makes you think that they're
Speaker 2: gonna meet the goal today? So when I look at
Speaker 2: the mutual fund, I always look at that benchmark, and
Speaker 2: I'm always looking at the mutual fund and seeing if
Speaker 2: that percentage is higher than the goal that the fund
Speaker 2: set for itself. And that's important to look at performance
Speaker 2: long term because, like Eyl said, twenty twenty was an
Speaker 2: amazing year for those people who got smart and got
Speaker 2: active in the market if you could afford to invest
Speaker 2: right those returns. Some of these mutual funds were returning
Speaker 2: twenty thirty forty fifty percent. We probably cannot anticipate that
Speaker 2: that's gonna happen in twenty twenty one with the introduction
Speaker 2: of the vaccine. But if you look five years, three years,
Speaker 2: two years ago pre pandemic, you can see how those
Speaker 2: fund managers were managing that account apps in COVID and
Speaker 2: that could be a future indicator for their performance moving forward. Well,
Speaker 2: what's now to cut you off? What's the mutual fund
Speaker 2: or top two that you like? Because I know they're
Speaker 2: gonna kill us if we don't ask. I like the
Speaker 2: Fidelity blue Chip Growth so I believe that that is
Speaker 2: write down the stick to stock TI for that. But
Speaker 2: that's Fidelity blue chip Growth. And then I also like
Speaker 2: B and Y melon small big cap, so that's d
Speaker 2: B max so d B m A x dB max. Okay,
Speaker 2: so those are the two that I have.
Speaker 4: The Fidelity I'm definitely familiar with the Fidelity mid cap
Speaker 4: growth one. That's that's a that's a very good one.
Speaker 4: That was a whole that I and that the information
Speaker 4: is not just for a four to one k's like,
Speaker 4: that's just broad range investment information. She just talked about
Speaker 4: make cap, large, cat, small, cab, pe ratio benchmarks, a
Speaker 4: lot of stuff that I don't think we even spoke
Speaker 4: about before. So yeah, man, that was that was great.
Speaker 4: I just I just want people to fully appreciate the
Speaker 4: level of education because that was a lot a lot
Speaker 4: of gyms. Sometimes that you give people so many gyms,
Speaker 4: it's just like they don't fully understand what's what's being
Speaker 4: given to them. Now was like a full blueprint of
Speaker 4: actually how to break down fun.
Speaker 3: Yeah, it's the crazy part is like to me, when
Speaker 3: I was listening to it, I'm like, Yo, this is crazy.
Speaker 3: This sounds pretty similar to how we will research our ETFs.
Speaker 4: Well, once you, like I said, learn about process, right,
Speaker 4: once you learn one, it's like learning the language. Like
Speaker 4: once you learn one thing, whether it's a mutual fund,
Speaker 4: whether it's an ETF, whether it's an individual stock, it's
Speaker 4: all it's all synonymous with each other. And that this
Speaker 4: is what helps you. Like once you start to learn
Speaker 4: about the investment language, they're all very similar. So you
Speaker 4: can use the same the same thing in individual stocks
Speaker 4: with your brokerage, investing for your kid, doing an IRA
Speaker 4: for one K. It's all very similar.
Speaker 3: But you know what the beautiful part is, and I
Speaker 3: give you a whole lot of credit. It's like, think
Speaker 3: about all of what she just told you, Like that's
Speaker 3: the homework.
Speaker 2: You know what I'm saying.
Speaker 3: People like, Yo, what y'all y'all saying, like, do your
Speaker 3: homeworker what she just gave you a whole lesson of
Speaker 3: how to do the homework when it comes to investing
Speaker 3: in mutual funds. And shout everybody. I see people putting
Speaker 3: up that we and to death about expense ratios in
Speaker 3: the book club. But Yo, you just laid it out.
Speaker 6: We got we got keys, we gotta get you the
Speaker 6: teacher class, key Lay Professor, Professor Key got you gotta get,
Speaker 6: you gotta get your.
Speaker 3: Teacher class and I would love to join.
Speaker 2: I do want to add that the one I just
Speaker 2: wanted to my Fidelity account. That's why I keep Traditional
Speaker 2: I r A and we were talking about four one ks.
Speaker 2: But like I said, this information transferable and that's f
Speaker 2: b g r X. That's the stock tickers. So that's
Speaker 2: f b g r X and that's Fidelity Blue Chip.
Speaker 4: Give it. It's a whole lot of game. My graduates
Speaker 4: from my school being forced back drop b drop, Mike
Speaker 4: drop back drop drop.
Speaker 1: And then legal alien from Guatemala charged with raping a
Speaker 1: child in Massachusetts. An MS thirteen gang member from Al
Speaker 1: Salvador accused of murdering a Texas man of Venezuelan charged
Speaker 1: with filming and selling child pornography in Michigan. These are
Speaker 1: just some of the heinous migrant criminals caught because of
Speaker 1: President Donald J. Trump's leadership. I'm Christy nom the United
Speaker 1: States Secretary of Homeland Security. Under President Trump, attempted illegal
Speaker 1: border crossings are at the lowest levels ever recorded, and
Speaker 1: over one hundred thousand illegal aliens have been arrested. If
Speaker 1: you are here illegally, your next you will be fine
Speaker 1: nearly one thousand dollars a day. Imprisoned and deported, you
Speaker 1: will never return. But if you register using our CBP
Speaker 1: home app and leave now, you could be allowed to
Speaker 1: return legally. Do what's right. Leave now. Under President Trump
Speaker 1: America's laws, border and families will be protected.
Speaker 2: Sponsored by the United States Department of Homeland Security,