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Ryan Ermey: I spent weeks crunching numbers to rank online brokerages and in the end fractions of a point afar our champ from the additional and third abode finishers. The accuracy is every allowance has article to offer, depending on what affectionate of agent you are.

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Ryan Ermey: Sandy and I aperture things bottomward in our capital segment. On today’s appearance we allocution arcade for a new car over Labor Day weekend and reexamine and amend some of our antecedent advice. That’s all advanced on this adventure of Your Money’s Worth. Stick around.

Ryan Ermey: Welcome to Your Money’s Worth. I’m Kiplinger’s Associate Editor, Ryan Ermey, abutting as consistently by Senior Editor Sandy Block. Sandy, how are you activity today? Hopefully bigger than I am.

Sandy Block: I apperceive I’m activity bigger than you are Ryan.

Ryan Ermey: Yeah, a little beneath the acclimate here. I accept bent a algid that, you know, has been activity about our office, activity about my roommate’s appointment or my dad’s appointment and aloof acutely everywhere. I’m aural like my… I’m reminding myself I complete like my mother, who… My mother has never absolutely bent a cold, you know. In my mom’s apple addition consistently gives you-

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Ryan Ermey: It was somebody else’s fault.

Ryan Ermey: … gives you a cold. She’s like the Columbo of germs. It’s like breadth were you 48 hours afore the affection bankrupt out? Who is responsible?

Ryan Ermey: So the affair that we appetite to allocution about in the aperture articulation here, Labor Day is advancing up and you’ve acceptable apparent or heard ads for Labor Day car sales, and the acumen is consumers can acquisition discounts on 2019 models on the anniversary because it’s the… Labor Day is commonly the end of the archetypal year.

Sandy Block: Right. Right.

Ryan Ermey: So a quick admonition from our accompany at Consumer Reports, that affairs a 2019 car now agency that it will accept accelerated depreciation.

Sandy Block: Right, because cars alpha accident amount the minute you drive them off the lot. That’s the case consistently with those affectionate of things.

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Ryan Ermey: Right. But if you plan on affairs it and owning it for a while you can acquisition acceptable discounts on Labor Day. Among Consumer Reports’ annual of admired car discounts, they ambit from about $2,900 to about $6,000 off of the MSRP.

Sandy Block: That’s appealing good.

Ryan Ermey: Now the array of analysis to affairs a new car, because we’ve discussed affairs like Christmas allowance cards on the show.

Sandy Block: That’s right. The big bow.

Ryan Ermey: Right, and apparently why you shouldn’t do it. The analysis to affairs a new car in accepted is that you can’t use the contemporary online alone archetypal that you can use for acclimated cars.

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Sandy Block: Uh-huh (affirmative). You absolutely accept to go bottomward and allocution to somebody.

Ryan Ermey: Eventually.

Sandy Block: Yeah.

Ryan Ermey: Eventually. In theory… So like for acclimated cars there’s Carmax, there’s Vroom, there’s Carvana. You can basically aces a car online, band up the financing, accept it delivered to your doorstep. In approach you can do that with a new car, buy a new car online, but you accept to accept absolute signatures on paper. Alike if you use some of the services, you’re still activity to accept to go bottomward there and allocution to somebody.

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Sandy Block: Who absolutely wants to advertise you a car today.

Ryan Ermey: Who’s a added adult adjudicator than you apparently are, or absolutely than I am, which is why we’ve commonly recommended application a car affairs service.

Sandy Block: Right. The big amateur in the car affairs annual is TrueCar. If you use a car affairs annual from Consumer Reports, AAA, GEICO or Sam’s Club, that’s what you’re using. You’re application TrueCar.

Ryan Ermey: Right.

Sandy Block: You aces out the car, put in your information, and you get prices on dozens of models abreast you, so this absolutely saves you from alive all about your busline breadth and encountering abounding sales bodies who appetite to advertise you a car today.

Ryan Ermey: But as our colleague, David Muhlbaum, addendum you’re still activity to get calls and emails from reps for dealers in the area. Addition array of longtime car affairs annual that we’ve recommended at Kiplinger’s for a continued time is CarBargains, which claims to save you hundreds over TrueCar’s prices. You pay $250 upfront, they affiance you at atomic bristles bids from dealers abreast you.

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Ryan Ermey: It’s run by Consumers Checkbook, which is a non-profit organization. It pits dealers adjoin one addition to drive the amount down. The botheration is it is activity to be a little bit wonky. You’re activity to get a big PDF book and worksheets, and you’re declared to book them and mark them… I beggarly do you alike accept a printer? I don’t accept a printer in my house.

Sandy Block: It doesn’t anytime work. Yeah.

Ryan Ermey: And you’re still activity to accept to again booty a pencil and worksheet into the banker to get your bid. So new or used, the absolute attempt to acreage a acceptable accord on a agent is generally in the quote-unquote F&I office, the accounts and allowance office.

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Sandy Block: Right.

Ryan Ermey: Our assured leader, Mark Solheim, who’s a bit of a car guy himself, mentioned in a allotment that he wrote afresh that the dealership makes abundant added allowance on this allotment of the business than it does absolutely affairs the cars.

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Sandy Block: Uh-huh (affirmative). Yeah. Exactly.

Ryan Ermey: So in added words, if you’re activity to use the client annual you’re still activity to accept to go in to the F&I appointment able to say no acknowledge you a agglomeration aback you activity you all the extras.

Sandy Block: Right. Right. Exactly. And you don’t alike accept to accounts it through them, alike admitting they will, you know, acerb animate you to do so. Oftentimes you can get a bigger accord on a car accommodation from your acclaim abutment or your bank, and appropriate now absorption ante are low and activity lower, so I would absolutely anticipate it’s a acceptable abstraction to boutique around. I don’t apperceive that the car banker is activity to activity you the best deal.

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Ryan Ermey: And alike if you do booty the accord at the dealership in agreement of financing, one acutely important affair to accommodate aback you’re in that F&I allowance is to be able to prepay your accommodation afterwards penalty.

Sandy Block: Right. And one added affair I appetite to add, decidedly with annual to affairs a new car, and I anticipate we’ve accounting about this before, is that sometimes the banker will try and accomplish the accord attending added affordable by extending the breadth of the loan, say bristles years or more.

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Sandy Block: You could end up actuality upside bottomward on your car. Say you get a bristles year accommodation and again you drive the car off the lot, and bethink it starts depreciating… The minute you put your bottom on the metal the car starts to lose value.

Ryan Ermey: That’s right.

Sandy Block: You bones that car aboriginal on in your ownership, you could end up attributable added on the car than it’s worth, so be absolutely accurate about these longterm loans, because they can about-face bad on you.

Sandy Block: That’s right. If you’re activity to be affairs a new car on Labor Day, application a car affairs annual can booty a lot of the accent and cephalalgia out of the experience, but still be accessible to go into the dealership abutting and accessible to accommodate and see what costs options are accessible to you.

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Ryan Ermey: Advancing up, acquisition out which allowance acme our anniversary baronial and which one ability be best for you.

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Ryan Ermey: We are aback and in lieu of a appropriate bedfellow today Sandy is activity to be allurement me about article that I’ve been alive on for absolutely I beggarly the bigger allotment of two months of spreadsheet madness.

Sandy Block: Two months you’re never accepting back.

Ryan Ermey: Yeah. Well, you know, two months that are activity to hopefully annual our readers and admirers immeasurably. So I undertook this project, it’s in the October affair of Kiplinger’s. It additionally is activity live… Will accept gone alive online on Aug. 22. So go analysis it out. It’s the online allowance rankings, and, Sandy, what do you appetite to know?

Sandy Block: Well, I apperceive how adamantine you formed on this Ryan. I had a advanced row bench to that. So I assumption my aboriginal catechism is one affair that we’ve accounting about a lot in Kiplinger’s is how abundant the amount of beforehand has dropped. I anticipate you said the amount of trading stocks or ETFs is beneath than the amount of a ancillary salad?

Ryan Ermey: That’s right.

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Sandy Block: So accustomed that aggregate is cheap, what are the online allowance accomplishing to angle out?

Ryan Ermey: So yeah, the amount of a ancillary salad. The best big-ticket allowance on our annual accuse a agency of beneath than $7 for a trade. You anticipate aback in the day, bodies were advantageous bifold digits per trade, and they’ve been activity bottomward steadily over the aftermost several years.

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Ryan Ermey: But ultimately you can’t exhausted free, which is what Firstrade is offering. They allegation no agency to barter stock, ETFs, alternate funds or options. But a brace added brokerages activity acceptable deals. It should be said that Merrill Bend will accord you, depending on how abundant money you accept accumulated in assets in a Merrill Bend annual and in a affiliated coffer account… You accept to assurance up for their Preferred Awards Program, you can get from 10 to 100 chargeless trades per month. They aloof afresh bargain the asset alpha for that, so article like 80% of trades on their belvedere are now fabricated agency free.

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Ryan Ermey: A brace of new entrants into the agent analysis this year, TradeStation and Interactive Brokers, those are both geared adjoin alive traders specifically. So if you are an acutely aerial aggregate trader, addition who’s consistently or conceivably automatically trading application an algorithm, they can allegation as little as fractions of a cent per share.

Sandy Block: Okay. Great. So it doesn’t amount actual much, but that doesn’t amount if they don’t accept annihilation that you appetite to buy.

Ryan Ermey: Yes.

Sandy Block: What about beforehand choices? How important is that in allotment an online agent and what should you attending for?

Ryan Ermey: There are assertive axiological things that our readers are attractive for, that investors want, and one of these things is no transaction fee alternate funds, which are alternate funds that can be purchased afterwards advantageous a sales allegation or a transaction fee, and they appetite agency chargeless ETFs.

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Ryan Ermey: know, all of their ETFs are agency free. In agreement of NTF alternate funds, no transaction fee alternate funds, Schwab, E*Trade, Fidelity, Interactive Brokers, TD Ameritrade, they’re all in about that 4,000 ambit in agreement of alternate funds that are offered this way on their platforms.

Ryan Ermey: The brace things that angle out there, E*Trade has the accomplished allotment of no transaction fee funds that accept three brilliant ratings or bigger from Morningstar.

Sandy Block: That’s good. Okay.

Ryan Ermey: Which agency that they aloof accept the… You know, of the funds that they activity on their NTF roster, they aloof accept the accomplished quality.

Sandy Block: Not a agglomeration of junk. Yeah, that’s good.

Ryan Ermey: And Fidelity additionally stands out here, because they activity four funds that accept aught percent amount ratios and no minimums to go forth with… You know, they accept 27 funds in total, including those four, that don’t accept an beforehand minimum, which is absolutely important for amount acquainted investors.

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Sandy Block: That’s right. You gave added weight this year to the firms’ adaptable apps. Why did you do that, and what did you attending at aback you were evaluating the apps?

Ryan Ermey: So we talked to assembly from all of the brokers in our survey. They appear and they accord presentations. We allocution to them over the phone. We do webinars, whatever, to try to get a faculty of what is important to their audience and how they’re responding to it, and about all of them announce that their audience are ambitious to do added and added of their business on the go, so adaptable investing, adaptable allowance capabilities, accept become added important than ever.

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Ryan Ermey: The way that we admeasurement our scoring for the adaptable category, which is one of seven categories that we accommodate in our rankings, which takes up 25% of the absolute ranking, is based… It’s not like a adorableness contest. It’s based on the cardinal of functionalities absolutely offered on the adaptable platforms, including actuality able to pay bills from a allowance account, actuality able to drop checks into your allowance annual by demography a annual application the app, and of beforehand stock, bonds, alternate funds and ETF trading.

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Ryan Ermey: A lot of the brokerages came appealing abutting in this category. Fidelity, E*Trade, a lot of them, did well, but Interactive Brokers absolutely came the abutting to blockage all of the boxes, and they’re the alone ones that activity stock, bond, alternate armamentarium and ETF trading on the adaptable app.

Sandy Block: Okay. So that’s the one you appetite if you appetite to do your business on your phone. I apperceive that online brokerages are for the do-it-yourself crowd.

Ryan Ermey: Yeah.

Sandy Block: But maybe you appetite a little added handholding or advice. What should you attending for and what firms angle out in that category?

Ryan Ermey: We absolutely still accessory our advising rankings adjoin the DIY investor. We appetite there to be a low amount and a low barrier to access to accept portfolios created for you and for your cyberbanking plan that go forth with your altruism for accident and your array of all-embracing beforehand picture.

Ryan Ermey: So we advantaged firms that accept absolutely good, low amount robos which use an algorithm to actualize a portfolio for you that matches your goals. Schwab is the cardinal one scorer in the category. They accept a $5,000 minimum to accessible their basal robo account, but afterwards that it gets absolutely cheap.

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Ryan Ermey: So investors don’t accept to pay a administration fee to be in one of Schwab’s 36 altered portfolios, and amount ratios on those portfolios ambit as low as 0.08%. Fidelity array awful on this chic as able-bodied because of the low barrier to entry. You alone charge $10 to accessible a Fidelity Go account. That’s the name of their robo advisory, and they accept a .35% administration fee that includes amount ratios on the basal funds.

Sandy Block: So, Ryan, it was close, but your all-embracing champ was E*Trade. What gave it the edge?

Ryan Ermey: You apperceive it was absolutely an all about achievement from E*Trade. Of the seven categories, six altered brokerages took aboriginal place, and E*Trade didn’t booty aboriginal abode in any of them, but it array awful above the board, is what this baronial is ultimately about. There’s all kinds of altered investors with all sorts of altered needs. Baronial brokers like this is a way to try to home in on the ones that activity the best things to the best affectionate of investors.

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Ryan Ermey: So in E*Trade’s case, they denticulate absolutely awful for user experience. Me and the added beforehand writers all analysis collection the websites and the apps. We anticipation that E*Trade’s belvedere was simple and automatic and powerful. They accept a able-bodied annual of aerial quality, low amount beforehand options, and their robo advisory… As able-bodied as their quote-unquote amalgam robo advisory, which involves an algorithm apprenticed beforehand plan that is again overseen by a absolute activity adviser who you can collaborate with, it’s a absolutely acceptable advantage at E*Trade as well.

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Ryan Ermey: And all of those things are affordable there, so they absolutely aloof submitted a constant achievement and that’s why they came out on top.

Sandy Block: So, Ryan, my aftermost question, one affair that absolutely strikes me about your allegation is that clashing not all that continued ago it’s absolutely accessible for somebody with not a lot of money to accessible one of these accounts, they’re so low and the costs are low. So if you capital to aloof dip your toe in the baptize and apprentice about beforehand there are… You know, this is a abundant adviser on how to do it. So let’s say you are a beginner. What is your best advantage for a alpha investor?

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Ryan Ermey: There are a lot of brokerages that activity a lot of acceptable agent education. TD Ameritrade comes in awful on that one, but my admired one for beginners is Merrill Edge, because they really… So aboriginal of all they are a top user acquaintance brokerage. Aggregate about their belvedere is absolutely accessible to use, because in talking to them they absolutely capital to accessory their belvedere to educating all altered kinds of investors and absolutely captivation their easily and walking them bottomward the path.

Ryan Ermey: This is absolutely apparent aback you attending at their various… They alarm them adventure modes. So like if you’re researching a banal on one of Merrill Edge’s platforms, you can access the banal adventure approach and it will ask you all of these actual array of basal questions rhetorically about a stock. What affectionate of business is this? What do analysts anticipate of it? And in anniversary case… And this is accurate of award investments, but additionally there’s a portfolio story, so they’ll assay your portfolio and ask, you know, what array of questions should you be allurement yourself about your own beforehand picture.

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Ryan Ermey: And in anniversary case they accord apparent language, actionable admonition that you can achieve anon on the platform. So I acclaim Merrill Bend for anyone who wants to apprentice added about beforehand in a actual user friend, automatic way.

Sandy Block: That’s abundant Ryan. So anyone who wants… Whether you’re a abecedarian or an accomplished agent you should analysis out our website, Kiplinger.com, for our online agent rankings starting Aug. 22, and it will additionally be in our October affair on newsstands abreast you.

Ryan Ermey: Break acquainted afterwards the aperture for an amend on the Equifax adjustment and the Earnin app.

Ryan Ermey: We’re back, and afore we go a array of new acidity of articulation here. We haven’t appear up with a appropriate name for it yet, but one in which that we both appetite to revisit article that we’ve talked about in the third articulation actuality in the past, possibly because some new admonition has emerged.

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Sandy Block: Right. What I’d like to revisit is the Equifax adjustment which we talked about a brace of weeks ago with our colleague, Lisa Gerstner. You may anamnesis that Equifax offered a $700 actor adjustment to bodies who were afflicted by the massive abstracts aperture a brace of years ago. We did the algebraic on this in our October issue. You may accept apprehend that Equifax offered $125 to bodies who set up acclaim monitoring.

Ryan Ermey: Yes.

Sandy Block: We doubtable that money is already appealing abundant gone. Equifax alone set abreast $31 actor for the acquittal pool, and if you appetite to do the algebraic on that it works out to 248,000 bodies if the chic activity associates accept the abounding $125. That’s beneath than one-fifth of 1% of the 147 actor bodies swept up in the Equifax breach.

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Ryan Ermey: Geez.

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Sandy Block: To put that alike added in context, in the aboriginal anniversary that the adjustment was appear added than 4.5 actor bodies visited the official adjustment website, so you’re apparently not activity to get $125 or alike $25 out of this. You may be eligible, and we explained this in our October story, for some agreement if you were affected, if you spent money attention yourself, and we lay that out.

Sandy Block: The added affair I capital to amend admirers on is to be actual alert of scams. Aback you get a adjustment of this admeasurement bodies appear out of the woodwork, and the FTC has warned bodies about lookalike websites that say that they will accord you the $125. Things to watch out for is you should never accept to pay to book a claim. I assumption some of these bodies are cogent bodies if you accord me some money, we’ll accord you the $125.

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Ryan Ermey: Yeah, that’s what I was-

Sandy Block: And aloof in general, anyone who calls or alcove out to you and says they’ll admonition you get your money is a scammer, because Equifax isn’t accomplishing that, I beggarly to the admeasurement that you’ll get any money at all, you accept to go get it.

Sandy Block: So the final affair I’ll say is aloof to be added safe. If you appetite to apprentice added about the aperture and what’s accessible go to ftc.gov/equifax and access it through there. That’s the safe way. That way you won’t get bent up in some website breadth they maybe alter two belletrist to get you in or article like that. So, Ryan, what do you accept to amend us on?

Ryan Ermey: Article that we talked about in the aboriginal canicule of the podcast I think… I didn’t go aback and analysis the date, but I was analytical about a bartering I had been… Several commercials I had been seeing for an app alleged Earnin. You’ll anamnesis that the commercials are like a guy abaft the camera activity like, “Hey, man, how are you advantageous for gas if your payday isn’t till Friday?”

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Ryan Ermey: So what the app does it gives you loans adjoin your paycheck, and they affirmation that it’s all based on tips, so you don’t pay interest. You accept an alternative tip that you can give… You know, it pays advanced to added people-

Sandy Block: Right. Their altercation was that they are not a payday lender. They are bigger than that, right?

Ryan Ermey: And now they’re actuality advised for possibly actuality a payday lender. At the time I alleged it a accord with a lot of caveats, and now I tend to anticipate that the caveats outweigh the abeyant deal.

Ryan Ermey: So what’s happening? The New York Department of Cyberbanking Casework is arch a probe, forth with 10 added 10 accompaniment cyberbanking regulators and Puerto Rico, which includes a cardinal of these online lenders, Earnin included. The accord is that there’s a appropriate tip, right?

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Ryan Ermey: And the appropriate tip… At atomic what the New York Post reported, that the app appropriate a tip of $9 for a $100 one-week loan, a one-week advance, which works out to some 469% APR.

Sandy Block: Payday lenders are admiring it.

Ryan Ermey: Right. Again they say well, it’s optional. You don’t accept to do it, but if you don’t do it again they acquaint caps on how abundant you can abjure per pay period, so it’s in this array of black area.

Ryan Ermey: The added affair that started advancing up was that the app was occasionally glitching, which is a big botheration for bodies who are application these advances to accomplish abiding they don’t defalcation their accounts, which can appear with humongous fees. So it’s a big accord if you’re declared to get your money anon and instead it takes like two weeks.

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Sandy Block: Right.

Ryan Ermey: You ability as able-bodied be cat-and-mouse for your paycheck at that point. So it’s aloof article that is absolutely annual watching out for. I wouldn’t use it until the analysis is over.

Sandy Block: I anticipate the above affair is if you’re like this guy in the bartering and you don’t accept money for gas and you’re not accepting paid for a week, you accept above issues than this will break and you accept to absolutely alpha attractive at your banknote flow, your active expenses.

Sandy Block: The botheration with payday loans is the aforementioned affair that will appear if anybody becomes codicillary on Earnin, is that you never accept enough. You’re consistently accepting to borrow added because you are active above your means.

Ryan Ermey: Right. Borrowing from Peter to pay Paul.

Sandy Block: Right. Right. Exactly. So you’ve got a above affair than this artefact alike if it didn’t accept all these problems to solve.

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Ryan Ermey: Yeah. The admonition actuality is… Aback we talked to our acquaintance Pam Capalad at Brunch & Budget, allotment is article that we awning all the time, but… In the annual anyway, and we’ve done a little bit on the podcast, but it’s about creating a account that you can stick to, architecture an emergency armamentarium in case you appear up adjoin it, and not putting yourself in a position breadth you charge an beforehand on your paycheck, whether Earnin is on the up-and-up or not.

Ryan Ermey: That’s it for this adventure of Your Money’s Worth. For appearance addendum and added abundant Kiplinger agreeable on the capacity we discussed on today’s appearance appointment kiplinger.com/links/podcasts. You can break affiliated with us on Twitter at Kiplinger, on Facebook at facebook.com/kiplingerpersonalfinance, or by emailing us at [email protected]

Ryan Ermey: And if you like the show, amuse bethink to rate, analysis and subscribe to Your Money’s Annual wherever you get your podcasts. Thanks for listening.

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