Bitcoin/MSTY "Mafia"- Long Term Growth/Monthly Cash Flow

Send us a textSeason 2, Episode #57. Not Me, But You! Podcast. Thank you for all of the downloads/listens. Bitcoin is the best performing long term growth asset on the planet. Better than any stock. Anyone who invested in Bitcoin and held it for at least 4 years, NEVER lost money! Don't be scared off by Bitcoin's volatile price moves. It is growing with adoption. Find ways, to increase your weekly/monthly cash flow, and use some of your cash flow to buy Bitcoin. Find ways to create income that flows TOWARD you each month, instead of AWAY from you as you pay bill monthly. Wealthy people think about money differently than poor people do. I have wealthy friends who are SELLING off some of their real estate properties and instead, putting their money into Bitcoin. We all want to "save" our money IN Bitcoin. Rather than keep money in a "nice, safe bank account" where the money LOSES purchasing power EVERY year. As a country, we are NO longer on "gold standard." So INFLATION robs us of purchasing power, unless you have your money invested in an asset that OUTPACES the true rate of inflation each year. Disruptive companies actually disrupt entire existing industries. Research Uber and how it affected the taxi cab industry. Research Apple and it's affecdt on the camera/film industry. Look at Microsoft and how it affected how we use home computers. Look at Bitcoin. If you like MSTY, the ETF that pays like a 130% yield per year and pays a MONTHLY dividend, then check out the YouTube channel, "Cooper's Thai Adventure." Another good YouTube channel is "Digital Asset News." The creator is a guy named Rob (not D.A.N.!). I like Rob's DCA strategy he uses with crypto and he puts out good content. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #56. Not Me, But You! Podcast. A quick episode about leadership and President Trump's decision to strike Iran. In life, courageous leadership is rare! Notice I'm NOT saying that you need to agree with the decision Trump made. But I AM pointing out that it takes courage to make tough decisions even when, as a leader, you know that people oppose your decision and you will need to deal with your decision being unpopular with some segment of society. Critics are everywhere. It doesn't take much talent at all to be a critic. And everyone has an opinion, so how valuable are opinions alone? I don't personally care if you agree with Trump or disagree with him. I believe this was a tough decision for him. But this is what courageous leaders do. They take action, KNOWING that their decision will be unpopular. Courageous leaders are RARE in life. And courageous leaders are often willing to do, what no one else will do. They take on personal risk. This is part of the battle of being human. You assess a situation and you make a decision. Some of our decisions will turn out to be wrong/incorrect. That doesn't matter ultimately. What does matter is are you a person of integrity and authenticity. Can you perform as a leader consistently without being impressed by your own title? I pray for peace tonight, all over the world. I get downloads in Iran. I pray for their people, the Middle East, and for people all over the planet. I wish you peace and prosperity and happiness moving forward. Investing involves risk/courage also. So I thought it necessary for me to comment on this world event tonight. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #55. Not Me, But You! Podcast. Thank you for all of the downloads. I cover 12 ETF's in this episode (actually 11 ETF's and 1 closed end fund). Please do your own research and invest knowing this involves risk. You need to accept responsibility for the money that you choose invest and the result of choosing to invest. The List: WDTE, OARK, OXLC, ULTY, MSTY, YMAX, YMAG, QDTE, XDTE, SMCY, TSYY and YBTC. If you used these ETF's for only 2 years, they could accelerate your path toward wealth, presuming the divdiends didn't severely change within that 2 year time period. Utilizing these ETF's are part of an overall strategy to generate weekly/monthly cash flow. Then the dividend money (the cash) is rotated into LESS risky investments, but also into additional shares of the original investment. I aslo invest (save) a portion of the dividends in Bitcoin. Bitcoin is the best performing long term growth asset on the planet. Better than any stock. And anyone who bought/held Bitcoin for at least 4 years, NEVER lost money! Remember: when you are using dividend money to buy additional shares of the original investment, you are getting those shares for FREE! This lowers your overall cost per share and reduces your risk over time. You can also buy/hold these ETF's INSIDE or your Traditional IRA or your Roth IRA. And you can, of course, also buy/hold them inside your regular brokerage account. Inside of your Traditional IRA, the gains/profits/dividends grow TAX DEFERRED. Inside of the Roth IRA, the gains/profits/dividends grow TAX FREE! Remember that you have to OUTPACE the true rate of inflation. That's your main goal as in investor. Earning just 3% or 4% per year in some random investments, will NOT accomplish this. You will be losing "purchasing power" on your money invested at 3% or 4% returns per year. Do you know who Ronald Wayne is? He was an orginal investor in Apple. He sold TOO EARLY. If he still held his shares of Apple stock today, they would be workth Billions and Billions of dollars! He had a 10% stake in the company. But this happens routinely with early investors. Unfortunately, it is very common because people "panic sell" too early due to anxiety, or doubt or any combination of life events/emotions. Be an "early investor" with Bitcoin. Buy it and hold it and don't sell it! IF you do this, 10 years from now, you will be very happy and very wealthy. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #54 Not Me, But You! Podcast. "If you believe it will work, you see opportunities. If you believe it will NOT work, you will see obstacles." Complete your research and then get started! You have to take action in order to achieve your goals. Do these 3 basic things to get wealthy: 1) Buy/hold Bitcoin. "Save your money in Bitcoin." 2) Buy/hold assets like true high yield ETF's/dividend stocks/closed end funds (Like MSTY or OARK or ULTY etc). 3) Learn to sell simple options contracts (cash secured puts or covered calls). Your Traditional IRA is place you can roll your 401K or 403B money into FROM your previous employer, after you have severed employement. Rolling money from your 401K to a Traditional IRA is a NON taxable event(you don't want to personally take possession of the money- instead you want to transfer the money from one institution to a different institution). That way, once the money is in your Traditional IRA, you can control it and invest it in many more things than you can, if you leave the money in an account with your previous employer. Money/cash/profit accumluates TAX DEFERRED (meaning you pay tax eventually- when you withdraw from this account)  inside of Tradition IRA. With a ROTH IRA, the money/cash/profit accumualtes TAX FREE( as in zero tax). But you need to meet 2 conditions to withdraw the money TAX FREE: 1) Be age 59 1/2 or older. 2) Have had the account open for at least 5 years. What is a feature of both IRA accounts, is that gains (profit) can accumulate tax deferred in a traditinoal IRA and can accumualte TAX FREE inside of a Roth IRA. You can also sell simple option contracts INSIDE of an IRA account. You can also buy/hold dividend stocks INSIDE of an IRA and the dividends accumualte either tax deferred (traditional IRA) or tax free (Roth IRA). IRA accounts are a financial tool, you can use, to help accumulate wealth without paying/owing taxes along the way. I'm not a huge fan of leaving money in a 401k/403B account after you no longer work for that employer. The main reason? Your investments choices are limited inside a 401K/403B. The things that you can invest in, inside of the 401K/403B are pre-selected choices for you. If you roll the money from a 401K to a traditional IRA, you then have many more investment choices and you control the money rather than have a financial custodian holding your money for you at the 401 financial custodian company. When you reach a certain age (something like age 70 or 72) you are required to do RMD's (required minimum distributions) from your Traditional IRA. There are NO RMD"s for a Roth IRA. You can simply withdraw money whenever you choose to from a Roth IRA, after you are retired (or after you are at least age 59 1/2 AND you have had your Roth IRA open for at least 5 years). You can also do a Roth CONVERSION: which is moving assets from your Traditional IRA and transferring those assets into your Roth IRA. You can do this once per year and you will pay a one time tax in order to do this conversion. I suggest moving PART of your assets, multiple years in row as you do Roth conversions. You are permitted to have MULTIPLE Traditional IRA's and MULTIPLE Roth IRA's. But you need to stay within the yearly contribution limits. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #53. Not Me, But You! Podcast. MSTY is a very high yield ETF that is newly availalbe in Europe! It has been available previously in the USA. This is ONE financial tool that you can have/use in your "financial tool box." MSTY as a "monthly cash flow" investments is NOT for everyone. But if you're willing to tolerate high risk, the rewards are also high. Annual yield 135%! Cost for ONE share $20 to $25 per share. Follow "British Hodl" YouTube channel if you want to learn more about Bitcoin. But Bitcoin does NOT pay you cash flow. That's why we need ETF's like MSTY that DO pay us monthly! I do most of my stock trades just after 7am, EST and I use the Charles Schwab platform! Love the user interface and I love their customer service. Currently, there is NO pay wall, NO Patreon monthly memberships, and I do NOT sell tiered memberships to access "the really important information." I share all of the informaition with you "FOR FREE" on this podcast!!! The real question you need to ask yourself about MSTY is: Do you think the share price will go to zero in the next 15 months? It is June 2025 at the time of this podcast recording. I do NOT think it's going to zero in the next 15 months, which is my break even point in the future. In general, do these 3 things: 1) Buy/hold Bitcoin. 2)buy/hold true high yield dividend stocks/ETF's (like MSTY)/closed end funds. 3) Learn to sell simple option contracts for cash flow (cash secured puts and covered calls). Regarding MSTY dividend monthly money: Do these 5 things: 1) $250 into Bitcoin. 2) $250 into QQQI. 3) $200 toward a full share of the growth stock MSTR. 4) $50 into the ETF ULTY.  5) $250 into additional shares of MSTY each month. This plan is just ONE of many possible plans. You could also use some of your monthly MSTY dividend money to pay off credit cards or to pay your car loan off sooner. IF you don't like MSTY, then WHAT do you like, that also pays a yield of 135% per year??!! MSTY ACTUALLY pays every 4 weeks, NOT just monthly. That means, that some months you get TWO dividend payments! And if you are investing dividend money (FREE money) into additional shares of MSTY, then you are LOWERING your average cost per share! Strive for persistence, NOT perfection. Be willing to be bad at something new you are trying for the first time. You will get better over time with continued practice. Don't give up! Have 3 types of accounts at your brokerage: 1) regular account with margin. 2) Traditional IRA. 3) Roth IRA. The best performing growth asset on the planet, is NOT a stock. It's Bitcoin. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode # 52. Not Me, But You! Podcast.  What to do with your MSTY dividend money each month? In this episode I talk about possible choices. MSTY is an extremely high yield and high risk ETF that uses a covered call strategy to get a annual yield of 135%. I'm not interested in debating "share price erosion", "NAV erosion", "dividend decay." I only care about ONE thing when it comes to MSTY...that's what is the monthly dividend? MSTY is "CASH MACHINE." It's designed to do one thing...GIVE YOU MONTHLY CASH FLOW. There is NO other reason to invest in this. But it will benefit you to have a solid plan of WHAT to do with the dividend money you receive each month. If you invest approximately $15,000 that will buy you approximately 700 shares of MSTY. The cost per share, in June 2025 is $21 PER SHARE. This isn't Microsoft, or Home Depot, or Amazon, or Google, or Nvidia. It is NOT designed to be like those investments. And MSTY isn't $300 to $500 PER share to buy, like some "blue chip" growth stocks would cost you. MSTY is ONE financial tool you COULD use to help build wealth. With your $1,000 per month in dividends from MSTY, I suggest 5 things: 1) $250/month into Bitcoin. 2) $250/month into QQQI, 3) $200 toward buying full shares of MSTR. 4) $50 per month into ULTY. 5) $250 per month into buying MORE shares of MSTY. In the example above, you would only need MSTY to pay you at least $1/share for 15 months in order to break even! That's less than 2 years to get ALL of your original $15,000 back! Simply incredible. I am NOT suggesting you will hold shares of MSTY for the next 10 years! You could pivot ALL of the money out of MSTY AFTER 15 months of getting at least $1,000 per month for 15 months! This example is just ONE possible plan. There are other plans with other allocations into other investments that would work well too. I belive the stock MSTR will be $2,000/share within 10 years. I buy/hold this stock for long term growth. QQQI has NO share price erosion, NO NAV erosion, NO dividend decay. Pays over 14% annual yield. Only $51 per share. ULTY has an even HIGHER annual yield than MSTY at 145% per year. ULTY only costs $6 to $7 per share! Perhaps you want to use your $1,000 per month in dividend payments from MSTY to pay off credit cards. Or perhaps you want to pay off a car loan. Or perhaps you want to make extra payments on your mortage. Doing any ONE of these things will help improve your life. Do you want to become wealthy? Well you first have to learn to live on budget and invest like crazy and cut your expenses. But you don't need to live this way forever. Just long enough to POSITION yourself for wealth. Use Charles Schwab to buy/hold/sell stocks. They are my personal favorite stock trading platform. Have courage today, to pick one thing, and work on your dreams. We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #51 Not Me, But You! Podcast. Highlighting Warren Buffet's quote: If you don't find a way to make money while you sleep, you will work until the day you die! What does "making money in your sleep" look like? 1) Buy/hold Bitcoin. 2) Invest in TRUE high yield ETF's/dividend stocks/closed end funds.  3) Sell simple option contracts: cash secured puts and covered calls (options wheel strategy).  Why do these 3 things??  Two of the three will bring you CASH FLOW monthly. Most people, in life, who have "money problems" have a "cash flow problem." Increase your cash flow, watch your weekly/monthly budget and save "in Bitcoin" and invest. Create your own "stream of income." You can sell items online. Both physical products and digital products. You can sell memberships. There are SEVERAL ways for you to make money "with your internet connection." The "petro dollar" is in decline. What will eventually replace it? Probably Bitcoin which is the most fair money on the planet. Due to it's fixed supply, the value of it cannot be diluted by "money printing." Things may be priced in Bitcoin one day in our lifetimes. Many investors are waiting for the Fed Reserve to begin cutting interest rates this year in 2025. When this happens, the stock market and Bitcoin usually start to go up! What can you do with cash flow? Answer: Anything you want! That's why focussing on building cash flow is a fast track to becoming extremely wealthy. Have a brokerage account like at a platform like Charles Schwab. Have 3 types of accounts: regular brokerage with access to margin, traditional IRA, and Roth IRA. After you reach age 59 1/2 AND you have had your Roth IRA open for at least 5 years... you can withdraw ALL of the money and pay ZERO TAX! Buy MSTY inside your Roth. Buy MSTY inside your traditional IRA. Buy MSTY inside of your regular brokerage account. This is NOT Home Depot. This is NOT Microsoft. So stop expecting it to be LIKE those stocks. This ETF is for ONE reason...to give you monthly cash flow. Then take the dividend money and do something else with it! Make your life better! Wealthy people buy/hold assets and by doing that they can BENEFIT from inflation. Make it your goal to first invest $21,000 into MSTY. Get 875 shares. Then make your next goal to get $100,000 invested into MSTY. Get 4,166 shares. MSTY pays an ANNUAL dividend of $28 to $30 PER SHARE! Do simple math on your calculator on your phone and figure out how much money you can make IN DIVIDENDS every month. You can make a "Full Time" income with MSTY. Will it last forever? Probably not but use it NOW to help make yourself wealthy! Learn to simply push buttons your phone and become rich. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2, Episode #50. Not Me, But YOU! Podcast. I share an excerpt from Lawrence Lepard's book, "The Big Print."  He talks about inflation and money printing and inflation. And of course, he makes the case for Bitcoin to affect global markets in the next 5 to 10 years. He tells a great story in the book about how he made "some money" on his Microsoft stock purchase/sale. But he MISSED out on a much larger gain because he SOLD TOO SOON! We can draw a parallel between his Microsoft stock purchase/sale and how people were skeptical of Microsoft in the 1980's, in part, because critics thought of Microsoft as "just a software company." These criticisms are similar to the criticism we hear today about Bitcoin. For those of us, that already have/hold Bitcoin, the future looks very bright! What do you have to do? The answer is simple: Buy/hold Bitcoin. Do NOT sell it! That's it! I go over the "buy, borrow, die" strategy that wealthy people use where they hold assets and take loans against a portion of it. That way they minimize tax payments because they are NOT selling the asset and paying capital gains tax! I highly encourage every investor to get this book and read it. Larry (Lawrence) writes well and his book is easy to read/understand. It will help anyone gain a deeper understanding of what Bitcoin is and how it will play a major role in the global economy. One day, in our lifetime, things may be "priced" in Bitcoin. The Petrol dollar is in decline. Bitcoin may become the new world currency. Open 3 accounts: a brokerage account, a traditional IRA account, a Roth IRA account. I use Charles Schwab. I love their company and their excellent customer service. I can easily get a human being on the phone and their employees are always super knowledgable and helpful. Have courage today, to pick one thing, and work on your dreams. We will talk again soon! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2 Episode #49. Not Me, But YOU! Podcast. Thank you for all of the downloads. You can change your life in 4 years or less. To be a successful investor: do 3 things. 1) Buy/hold Bitcoin. Do not sell it. Stack it. Bitcoin is the best performing asset on the planet over the last 16 years!  2) Invest in true high yield dividend stocks/ETF's/closed end funds. 3) Sell simple option contracts: cash secured puts/covered calls. This strategy focusses on CASH FLOW> I don't use a personal money manager. The reason: I know that 99% of money managers make MOST of their income by charging their clients FEES. They do NOT make most of their yearly income by investing in the same investments that they advise their clients to invest in! Another way to say this is that they are sales people and marketers. Not phenomenal investors! Read the book, "The Big Print" by Lawrence Leppard. To be a successful investor you have to be mentally tough. And you need to understand that your main goal is to outpace inflation (the true rate of inflation).  You won't accomplish this by only earning 4% or 5% on your money in some "safe" investment. Apple was laughed at when it first came on the scene. But study the Apple story. Learn from it. Apple stock is a great growth stock. But it is NOT good for cash flow! MSTY is a great ETF that is linked to MSTR> Why does the MSTR stock matter? Because they hold hundreds of thousands of Bitcoin! So MSTY is a Bitcoin play that pays a monthly dividend. It pays me cash flow. So I don't focus on the price/share. I don't care if the share price decreases. The ONLY think I care about is does it continue to pay me cash flow! CASH FLOW is the path to wealth AND remaining wealthy (as inflation causes prices to rise in the future)> My growth stocks for buy/hold are MSTR and Tesla. Learn about Tesla. It is more than just an electric car company! Know your investment goal (growth vs. cash flow) BEFORE you invest! When ONE Bitcoin is valued at $1,000,000, then take a loan against a small portion of it. Use the "buy, borrow, die" strategy to fund your lifestyle. This is the same strategy that Bill Gates and Jeff Bezos uses to fund their lifestyles WITHOUT selling their assets. They do NOT sell some of the stock shares so that they pay LESS in taxes! Buy "slices" of Bitcoin every week! Whatever you can afford. The number doesn't matter. It's the habit of consistently investing in it that will help to make you extremely  wealthy one day. I like Charles Schwab for buying/holding stock. I recommend them because their platform is EASY to use. And I love their consistently awesome customer service. You can actually get a human on the phone to speak with very quickly when you call them! That is VALUABLE to me as a customer. Buy "in the bear markets." Doing this will help to make you wealthy. But again, you have to be mentally tough to accomplish this. Most people do NOT buy in Bear markets. Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a textSeason 2 Episode #48. Not Me, But YOU! Podcast. I suggest you follow the X account..."0.1 BTC." Great, insightful Tweets about Bitcoin and fiat currency on X. Two of my buy/hold stocks for growth over the next 5 to 10 years are MSTR and TESLA. I believe Tesla shares will increase to $2,000 PER SHARE. Tesla is NOT just an electric car company! And MSTR will go to $2,000 to $5,000 PER SHARE because of how much Bitcoin the company holds on their balance sheet. I look forward to visiting Tirana, Albania sometime in 2026. I also continue to like the true high yield ETF, MSTY. If a person accumulated 875 shares of MSTY (about $21,000 cost today)...those 875 shares would pay a MONTHLY dividend of $1,300 to $3,500 EVER month! That's some nice cash flow. I also continue to like to sell cash secured puts and covered calls to make additional monthly cash flow. Anyone can learn to sell these simple option contracts. What' s involved to do this? Simply press buttons on your phone! What stocks do I like for options? SOFI, HIMS, MSTR, Palantir etc. Again, I suggest that you start following on X (formerly known as Twitter) the "0.1 BTC" account. BTC stands for Bitcoin. "0.1 BTC" points out in a recent tweet that ONE BITCOIN cost only $15,000 in 2022! Today one Bitcoin costs OVER $100,000. So is Bitcoin getting MORE expensive? Or is your fiat currency getting weaker? This is the concept that "0.1 BTC" highlights in their tweets/posts on X. I've done several podcast episodes on the concept of how INFLATION causes prices to rise so we need to invest our money in places where we can OUTPACE the true rate of inflation. To be a successful investor, you have to outpace your government's money printer. Whenever inflation rises, then the purchasing power of your fiat currency goes DOWN (decreases). And when your money's purchasing power decreases, prices HAVE to rise (increase) in order to compensate. That's why Bic Mac's at McDonalds will cost $60 to $70 one day...due to inflation! If you choose to save your money in a bank account, the bank doesn't keep the money in a drawer with your name on it, waiting for you come withdraw some cash! And while you money sits in your bank account, over time, the purchasing power of that pile of money decreases, due to inflation. Wealthy people understand this. So go build some cash flow today. And invest some money in the best performing asset on the planet...Bitcoin. I love using Charles Schwab to buy/hold/sell stocks. Great platform. Excellent customer service. Hello to William (who lives in Peru)  from MSC cruise line! Have courage today, to pick one thing, and work on your dreams! We will talk again soon. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.