Talking Real Money - Investing Talk

This episode is the second part of live recording at the Retiremeet North Conference and on today’s roster of speakers we have Harlan Accola from Fairway and Rick Gregorek from Gregorek and Associates. Harlan is an expert author and advisor on reverse mortgages. He explains how to use these products and clear up all confusion about reverse mortgages. Rick covers the topics of estate planning, putting together a team of advisors, the different retirement plans you can choose from and he even quickly looks at Medicaid.Introducing our first guest in today’s episode, Harlan Accola.Common misconceptions about reverse mortgages.Some information Harlan’s book on home equity and reverse mortgages.When to stop putting your money into equity and why.Why reverse mortgages are a part of a diversification strategy.The worthlessness of equity when you go into retirement.Why Harlan’s family distrusted his ideas on reverse mortgages. Introducing our second guest for today’s episode, attorney, Rick Gregorek. Rick’s professional background and the concepts he will covering today.Integrated estate planning and the importance of compiling a team of advisors.Comparing will based and trust based plans.How Rick and his colleagues came up with their wealth plan system. Business tools for estate planning and what you can use to your advantage.The subtle difficulties of dealing with Medicaid and health tools. Harlan Accola on Linkedin — https://www.linkedin.com/in/harlan-j-accola-crmp-b6544819Home Equity and Reverse Mortgages — https://www.amazon.com/Home-Equity-Reverse-Mortgages-Cinderella/dp/0692044965Fairway — http://fairwayreverse.com/Rick Gregorek — http://www.rjglegal.com/Page/richard_gregorekGregorek and Associates — http://www.rjglegal.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

This special episode features Paul Merriman’s keynote address at Retiremeet North on May 5, 2018 in Everett, WA. Paul talks about the essential aspects of smart investing and what he calls the ten million-dollar decisions that investors make. These choices have to be made, either consciously or just by default and Paul is here to remind us of the importance of making these decisions carefully correctly to ensure a bright financial future.The ten million-dollar decisions that one makes as an investor.Picking a trustworthy advisor to aid you on your path to financial security.Balancing stocks and bonds for the best returns and longevity.Signing up for the rises and drops in the market and the returns over the long term.Market timing as opposed to buying and holding.The importance of planning and setting out a glide path. The role of luck in the life of any investor.Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/Paul Merriman — https://paulmerriman.com/ Merriman — http://www.merriman.com/101 Investment Decisions Guaranteed to Change Your Financial Future — https://paulmerriman.com/101-investment-decisions/Bessembinder — https://wpcarey.asu.edu/people/profile/2717225General Motors — https://www.gm.com/SPIVA Report — https://us.spindices.com/spiva/Morning Star — http://www.morningstar.com/John Bogle — http://johncbogle.com/wordpress/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

This is the last of Don’s holiday episodes and so we gratefully thank Paul Merriman for stepping in one last time as co-host. In this episode, we cover some historically good and bad investments from none other than our hosts, reversed mortgages, gold and silver investments, market speculation and the work of Professor Bessembinder. Paul gives some invaluable information on salespeople and why you should avoid employing them as advisors. We even go so far as to give some tips for preparing for rough times in the market.Tom and Paul’s best and worst investments of all time.Selling good investments versus good ideas and stories. The possibilities of a reversed mortgage and the implications on inheritance.Investing in gold and silver and the volatility of this option.Preparing for the next bear market and covering your bases. Should you speculate at all? Clarifying exactly what Professor Bessembinder said.What to look forward to in Paul and Tom’s presentations at Retiremeet. Farewell to Paul Merriman, our amazing guest host!Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/Paul Merriman — https://paulmerriman.com/ Merriman — http://www.merriman.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/SeaWorld — https://seaworld.com/orlando/Harcourt Brace Jovanovich — https://www.thriftbooks.com/a/harcourt-brace-jovanovich/221290/Warren Buffett — https://www.investopedia.com/university/warren-buffett-biography/warren-buffett-success-story.aspGeneral Motors — https://www.gm.com/Aerospace — http://www.aerospace.org/Amazon — https://www.amazon.com/Bessembinder — https://www.nasdaq.com/article/bessembinder-rocks-the-investment-world-cm862572Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

The focus of this episode is the Roth account, as our hosts take a few calls on the subject and unpack the benefits for our listeners. Guest host, Paul Merriman lays out his ideas around really long term investing, for your grandchildren, and how to utilize the Roth IRA for this purpose. We also talk about picking strategies for multiple accounts and how much of an effect small choices make over the years with compounding interest. We also look forward to the fast approaching Retiremeet and Paul gives us a small idea of what to expect from his presentation.Why to pick a Roth IRA over a 401(k).Investing for your grandchildren with the a Roth IRA.Deciding on levels of aggression for your investment strategy.The widening difference that occurs with compounding interest. Best practices for long term investing with regards to risk.More reasons why we like the Roth IRA as a long term option.Looking forward to the best and worst questions surrounding investments. A taste of Paul Merriman’s Retiremeet topic.Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/Paul Merriman — https://paulmerriman.com/ Merriman — http://www.merriman.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/MarketWatch — https://www.marketwatch.com/Dwight David Eisenhower — https://www.biography.com/people/dwight-d-eisenhower-9285482Dimensional Funds — http://dfaus.com/101 Investment Decisions Guaranteed to Change Your Financial Future — https://paulmerriman.com/101-investment-decisions/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Tom is joined by Paul Merriman again this week as Don is still traversing New Zealand in a camper-van. On today’s episode Tom and Paul look at the news regarding 2017’s mutual fund costs, talk about important phone calls, answer questions on real estate, retirement and index funds. As usual the emphasis is on long term, diversified, passive investments. Paul states that, on average, people overstate their returns, miscalculating them to their supposed advantage.Mutual fund costs drop in 2017.Know your costs, your fees and your expenses!The three phone calls that changed your life. Miscalculating your returns and the better than average rule. Why index funds are proven to give better returns than almost anything. The difficulties of purchasing real estate from a 401(k). The idea of turning assets into income in retirement. The life changing quality of equities! Paul Merriman — https://paulmerriman.com/ Merriman — http://www.merriman.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/MarketWatch — https://www.marketwatch.com/Stan the Annuity Man — http://www.stantheannuityman.com/Your Money and Your Brain — https://www.amazon.com/Your-Money-Brain-Science-Neuroeconomics/dp/0743276698Morningstar — http://www.morningstar.com/General Electric — https://www.ge.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Welcome to the Talking Real Money Podcast! We are once again joined by Paul Merriman, who will be helping us talk about all the things that matter to you most and field your questions about how to make the most of investments. Paul and Tom go through some information about mutual funds, annuities, show again why stock picking is a bad choice and tackle index funds. Paul also gives a teaser of what you can expect from him at the upcoming Retiremeet conference and we finish off getting a bit of background to his history in investing and discussing some ideas for improving today’s financial education, to better equip the younger generation. So if you would like to keep that finger on the money’s pulse, tune in!Some more information on last week’s social media bust-up.Why it’s okay to get mutual fund returns instead of trying to play the market. A special call from Don, all the way from New Zealand!Shopping around for annuities and the complexities of the subject.A taste of what Paul Merriman will be presenting at Retiremeet. Looking at some examples of stock picking.Comparing good options for index funds. Financing a problem-free retirement according to your needs. Low risk investment and the basics of the game.Some of Paul’s work since he sold his company.What’s missing from today’s financial education in universities. Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/Paul Merriman — https://paulmerriman.com/ Merriman — http://www.merriman.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/Money Magazine — http://time.com/money/Wall Street Journal — https://www.wsj.com/europeStan the Annuity Man — http://www.stantheannuityman.com/Warren Buffett — https://www.biography.com/people/warren-buffett-9230729Berkshire Hathaway — http://www.berkshirehathaway.com/Dimensional — https://us.dimensional.com/Bainbridge — http://www.bainbridge.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Don is still away in New Zealand so today we welcome a very special guest and friend in the form of Paul Merriman. Paul will helping to field all the questions you may have regarding investing, stocks, bonds and the market in general and we sure are pleased to have him aboard for today. We chat about some of last week’s problems including a small issue that arose on social media. We challenge the notion of stock picking and even take a call on the subject. Paul and Tom also discuss mutual funds, cryptocurrencies and the necessity of a financial advisor before finishing off looking at social security and retirement. So if you want to get with the money and hear all the latest news, you know what to do, join us as we talk real money!Last week’s social media bust up and the problem with stock picking contests.Tom’s mistake from the last episode and setting the record straight. Introducing today’s special guest, Paul Merriman!Another point about stock picking and lottery. Looking at the legacy of mutual funds from 2003. Tom and Paul’s opinion on the speculative nature of cryptocurrencies. Losing on commodities and why this is similar to cryptocurrencies.Who does not need a financial advisor? When to take social security in relation to your retirement. Talking Real Money — http://www.talkingrealmoney.com/Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/Bessembinder — https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447Warren Buffett — https://www.biography.com/people/warren-buffett-9230729Paul Merriman — https://paulmerriman.com/Berkshire Hathaway — http://www.berkshirehathaway.com/Spiva Report — https://us.spindices.com/spiva/Morningstar — http://www.morningstar.com/John Oliver on Cryptocurrency — https://www.youtube.com/watch?v=g6iDZspbRMg401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Tom continues talking with securities attorney, Lawrence Cock. In this episode:The problem with short term, actively managed funds.Some information on home equity lines of credit and refinancing real estate.How to make decisions around housing when approaching retirement.Waiting on social security collection and weighing the benefits. Choosing between credit card debt and taking out a second mortgage. Clarifying the concept of capital gains. Inheriting benefits from IRAs and the social security grace period. And much more!Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/Warren Buffett — https://www.biography.com/people/warren-buffett-9230729Lawrence R. Cock — https://www.corrcronin.com/profiles/lawrence-r-cock/HELOC — https://www.bankrate.com/finance/topic/heloc.aspx Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

With Don away in New Zealand for a rare holiday Tom is joined by securities attorney, Lawrence Cock to talk about the legal side of finances and how you can protect your wealth. In this episode:Why short-term returns are the wrong way to view your money.Following an academic approach to the market.Introducing this week’s guest star!Some of the financial scams that are currently making the round. Looking back at the greatest Ponzi scheme of all time.Real estate investing in Seattle and its returns.Investments that do not live up to expectations as a form of scamming. Recourse against fraudsters and submitting complaints to firms. The rights of minority shareholders and how to settle disputes. What to consider when hiring a fiduciary.Real estate financing and primary residential regulations.Real Money Hotline — 855-935-TALK (8255)Talking Real Money — http://www.talkingrealmoney.com/Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comVFSTX — http://www.morningstar.com/funds/xnas/vfstx/quote.htmlRetiremeet North — http://www.retiremeet.com/The Wall Street Journal — https://www.wsj.comMarketWatch — https://www.marketwatch.com/Goldman Sachs Bank — http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/Bankrate — https://www.bankrate.com/Financial Fysics — https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557Paul Merriman — https://paulmerriman.com/Real Investing Journal “Own the Whole Planet” — https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planetAuckland Blues — http://theblues.co.nz/Auckland Aces — http://aucklandcricket.co.nz/about-auckland-cricket/aces/Seattle Times Retirement Article — https://www.seattletimes.com/business/how-not-to-run-out-of-money-in-retirement/New Zealand National Cricket Team — http://www.nzc.nz/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

The best place to keep your savings with quick and easy access.Why interest rate changes might mean for your savings.High rates at Goldman Sachs bank.A couple of good resources for an introduction to investing.More info about Don’s upcoming holiday in New Zealand. Unloading stocks, penalties and the IRS protocols for profit. A discussion on the rules and culture of cricket. Seriously.When is a good time to retire?Soccer riots and why Tom couldn’t go to a Mexican soccer game.The problem with dual registration of investment advisors and stock dealers. Questions to ask about your so-called fiduciary advisor. Real Money Hotline — 855-935-TALK (8255)Talking Real Money — http://www.talkingrealmoney.com/Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comVFSTX — http://www.morningstar.com/funds/xnas/vfstx/quote.htmlRetiremeet North — http://www.retiremeet.com/The Wall Street Journal — https://www.wsj.comMarketWatch — https://www.marketwatch.com/Goldman Sachs Bank — http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/Bankrate — https://www.bankrate.com/Financial Fysics — https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557Paul Merriman — https://paulmerriman.com/Real Investing Journal “Own the Whole Planet” — https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planetAuckland Blues — http://theblues.co.nz/Auckland Aces — http://aucklandcricket.co.nz/about-auckland-cricket/aces/Seattle Times Retirement Article — https://www.seattletimes.com/business/how-not-to-run-out-of-money-in-retirement/New Zealand National Cricket Team — http://www.nzc.nz/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Don heads out on a three week vacation.Some more info on Don’s other podcast, "MoneyThirty".Who is the bad guy in Billions? How and where to allocate your money when investing.Replacing the ‘word’ risk with the word ‘volatility’. Where to start your retirement fund after college.Looking back at investments at the turn of the millennium. What’s wrong with index and variable annuities? Why to use a VTWSX and when is right time. Talking Real Money —Delta Airlines — https://www.delta.com/Emirates - https://www.emirates.com/Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/Roundabout by Yes — https://www.youtube.com/watch?v=-Tdu4uKSZ3MDave Ramsey — https://www.daveramsey.com/Tim Ferriss - https://tim.blog/Warrior Wealth - https://www.warriorwealthsolutions.com/Billions - http://www.imdb.com/title/tt4270492/Morningstar — http://www.morningstar.com/VTWSX - http://www.morningstar.com/funds/xnas/vtwsx/quote.htmlLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Growing conservative with age and why this is not always a good for investments.Last week’s market plunge!Different approaches to IRAs and where to put your money.The retirement fund crisis and the what the US government might be doing about it. The insurance industry’s international power. A tough week on the stock market and is it really Armageddon? Why the markets feel volatile at the moment and why it’s part of the package. The new cryptocurrency index fund and putting your entire retirement at risk.Capital Economic’s newly published thesis on bitcoin. Our bitcoin update! Real Money Hotline — 855-935-TALK (8255)Talking Real Money — http://www.talkingrealmoney.com/Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/T-Mobile - https://www.t-mobile.com/Delta Airlines — https://www.delta.com/Larry Swedroe — http://www.etf.com/contributors/larry-swedroe Index Fund Advisors - https://www.ifa.com/Hold Ten Private Index Fund - https://www.cnbc.com/2017/12/12/bitwise-hold-10-launches-crypto-index-fund-with-4-million-in-funding.htmlKingdom Trust - https://www.kingdomtrust.com/The Entrust Group - https://www.theentrustgroup.comCapital Economics - https://www.capitaleconomics.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

The markets at the moment and the troublesome first quarter of 2018.Building accounts that are prepared for volatility. Why you should still not being listening to Harry Dent. The problem with speculative stock broking.The so-called housing bubble and why to be cautious.Parabolic housing estimations and the unreliability of real estate.The MarketWatch list of the most popular books on investing.The problem with the majority of investment books. Don and Tom’s list of jobs in chronological order.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

An alternative Roth IRA for a younger person with a lower investment.Vanguard’s recent difficulties with customer service.A new cryptocurrency for video games called Quarters. Bill Ackman and an assortment of other scammers and swindlers. A little bit about a great new TV show called Dirty Money. Minimizing your operational expenses at Vanguard.Managing a tricky situation with a 403(b).A strategy for a 24 year old investment and which account to use.Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Diet Bitcoin — http://www.dietbitcoinico.org/Vanguard — https://investor.vanguard.comAcorns — https://www.acorns.com/Quarters — https://pocketfulofquarters.com/Flappy Bird — http://flappybird.io/I, Tonya — http://www.imdb.com/title/tt5580036/Billions — http://www.imdb.com/title/tt4270492/ Dirty Money — http://www.imdb.com/title/tt7889220/Bill Ackman — http://fortune.com/2018/02/28/bill-ackman-valeant-herbalife-short/Scott Tucker — https://www.bloomberg.com/news/articles/2018-01-05/payday-loan-mogul-trades-ferraris-racing-life-for-prison-termDavidson — https://dadavidson.comBankers Life — https://www.bankerslife.com/DFA — http://dfaus.com/Magellan — https://www.magellangroup.com.au/Retiremeet North — http://www.retiremeet.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

Why eggs are subsidized in most grocery stores.What happened to stocks and bonds in this scary first quarter.The big dip that Amazon and Facebook took in the last month. All new Diet Bitcoin! Same old diagnosis! Who knows what a cryptocurrency is? Explaining the the block chain and how it supports bitcoin and other cryptocurrencies.What is cryptocurrency really good for?Weighing up the load of your stocks in middle age. Links Mentioned in Today’s Episode:Real Money Hotline — 855-935-TALK (8255)Talking Real Money — http://www.talkingrealmoney.com/Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/Money Thirty Podcast — https://www.moneythirty.com/Dow Jones 30 Industrial Average — https://www.marketwatch.com/investing/index/djiaCambridge Analytica Story — https://www.nytimes.com/2018/03/19/technology/facebook-cambridge-analytica-explained.htmlTrump Amazon Tweet — http://money.cnn.com/2018/04/03/news/companies/amazon-stock/index.html401411 — http://www.401411.com/Diet Bitcoin — http://www.dietbitcoinico.org/Pablo Escobar — https://www.biography.com/people/pablo-escobar-9542497Narcos — http://www.imdb.com/title/tt2707408/Vestory — https://vestory.com/John Oliver on Cryptocurrency — https://www.theguardian.com/tv-and-radio/2018/mar/12/john-oliver-last-week-tonight-cryptocurrencyReal Investing Journal — https://www.realinvestingjournal.com/Vanguard — https://investor.vanguard.com Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

In this episode we carry on with the ongoing inspection of the last week’s market downturn. Then, we remind all of our listeners, even though at this point they should know, not to believe the hype. When the schemers and scammers come for you with deals to good to be true, chances are it is. Our hosts remind us of the flimsiness of the word ‘guaranteed’, so be wary of this particular and popular word when it comes to investment advice. We also look at the different types of bonds available and talk about which ones you should be aiming to invest in. Lastly, we have a look at cryptocurrency. Again, beware! If it were up to us, you would leavethem all alone.Key Points From This Episode:Falling prey to Ponzi schemes and scammers!Why to distrust guarantees and the problem with the word in general.The biggest contemporary scam and why you should call us before agreeing.Putting last week’s stock market drops into context.What to do in the face of a bear market.Short and intermediate term bonds and the benefits of these.Volatility of stocks versus the foundational character of bond investments.Again! Do not worry too much about the Dow Jones 30 Industrial Average!Why this radio show has become a podcast now and some info on Don’s other podcast.The financing podcast promotion scammers.Getting a beach towel as a gift from Google.Cryptocurrency and the bubble that is about to burst.The problem with the popular tactic of trying to beat the market.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

On today’s show we will be tackling last week’s bad, bad, bad week on the market. Was it that bad? Maybe not as bad as you thought. Don and Tom break down why this week’s drops should not have you running for the hills before looking at some of the common mistakes made by their, not so great, rivals, other finance podcasts. They look at managed brokerage accounts and give out some free, unsolicited advice for job seekers! The hosts answer a question about a real estate investment with a few problems and comment on the current state of fiduciary standards. Lastly our fearless team take a few shots at the scammers, gold diggers and general up to no good investors out there so you don’t get duped! So tune in and stay up to date with where the real money is!Key Points From This Episode:Why you should not be freaked out by the declines this week.Stocks, gold and Bitcoin last week.Some mistakes other investment podcasts are making.Managed brokerage accounts and when to use them.Some career and job hunting advice from the hosts.Sorting out a real estate investment that has gone a but south.Fiduciary standards and the current the rulings that are in process.The biggest problem facing the financial services industry.Dated approaches to money and the financial media’s problems. Scams of the day and the legitimate-likeness.And much more!Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!