0.00 - Greetings, the one with the pivot

0.25 - MFDEA directory scam alert

2.05 - New laws now in affect:

• new licensing law - what to do if you're in an apprenticeship
• repeal for minimum wage w/ inflation and mandatory sick leave
• nat'l law - minimus tarrif exception eliminated, 
• pay MO sales tax on vehicle immediately, no longer have 30 days
• MO repealed the capitol gains tax
• protecting pregnant woman in work place act reminder

16.37 - Banks trying to help FH's w/ true joint accounts

28.38 - Closing