We are “A Word About Wealth”, a podcast about delivering financial entertainment by tackling the often complex world of finance. We subscribe to a simple philosophy - K.I.S.S. it. Keep. It. Simple. Stupid. If you're like us, finance isn't the easiest topic to understand. There is an ocean of financial terms, a bunch of opinions on how to best manage wealth and not enough folks explaining what the heck this all means. This is why we started A Word About Wealth. We wanted a place where we coul ...
…
continue reading
1
WAW0107: Diary of a Successor Trustee
43:20
43:20
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
43:20
WAW0107: Diary of a Successor Trustee If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. In this podcast episode, we delve into the responsibilities and challenges of being a successor trustee after the passing of a family friend. We discuss the c…
…
continue reading
1
WAW0106: Shocking Truth - High Interest Rates - Your Debt Savior or Financial Doom?
49:32
49:32
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
49:32
WAW0106: Shocking Truth - High Interest Rates - Your Debt Savior or Financial Doom? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Welcome to our latest podcast episode where we tackle the changing landscape of interest rates. Remember the day…
…
continue reading
1
WAW0102: What Happened to This Show??
39:57
39:57
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
39:57
If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. We can’t count how many times that we’ve stopped and restarted this podcast. OK, it's 3 (or maybe 4), but alas, we’re back yet again. We promise you that we have good reasons for the hiatus this t…
…
continue reading
1
WAW0105: Used Car Buying Guide Part 2
59:08
59:08
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
59:08
WAW0105: Used Car Buying Guide Part 2 If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. With the car market still being crazy post pandemic, buying a used car may seem as daunting as ever. Fear not, we’re here to be in your corner. In this episod…
…
continue reading
1
WAW0104: Used Car Buying Guide Part 1
44:15
44:15
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
44:15
If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. With the car market still being crazy post pandemic, buying a used car may seem as daunting as ever. Fear not, we’re here to be in your corner. In this episode, we’ll take a deep dive into the in’…
…
continue reading
1
WAW0103: Van’s Financial Dating Profile
34:21
34:21
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
34:21
If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. In this week’s episode, your host, Kevin delves into the intricate details of Van’s Personal Financial Dating profile. Let’s explore the secrets to Van’s Financial Dating profile that authenticall…
…
continue reading
WAW0101: Kids Talk Money If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. It’s been a while since we had special guests in the podcast. In this special episode, we bring in kids to ask them random questions to see how much they know about money.…
…
continue reading
1
WAW0100: A Personal Finance Carol
1:30:36
1:30:36
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
1:30:36
If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. We did it folks, 100 episodes! It only took us 5 years, but finally we did it! Thank you for sticking with us over the years. With us restarting the podcast twice, having inconsistent release sche…
…
continue reading
1
WAW099: It’s Tax Time 2023 Edition
43:54
43:54
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
43:54
If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. It’s that time of year again. Like death, taxes are something that you can never avoid. However, if you are well prepared, getting your tax return done won’t be a big deal. This year, you many hav…
…
continue reading
1
WAW098: Over Budget and Out of Money?
47:27
47:27
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
47:27
If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Budgeting is a fundamental financial planning tool that we highly recommend, but how do you do so when you're about to spend a boatload of money for a high expense purchase? Join us as we talk abo…
…
continue reading
1
WAW097: Is it a Mistake to Pay Off Your Mortgage Early?
39:08
39:08
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
39:08
If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. To pay off the mortgage … or not pay off the mortgage? This has been an age old question that has many stumped. On one hand, investing is more exciting and the potential for building wealth is muc…
…
continue reading
1
WAW096: Are Financial Advisors Bad?
45:37
45:37
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
45:37
WAW096: Are Financial Advisors Bad? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. It seems like anyone can call themselves “financial advisors” these days. From your insurance agent to your crazy uncle, it’s a loose title thrown around in an …
…
continue reading
1
WAW095: Bull Run...in a Recession?
41:15
41:15
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
41:15
WAW095: Bull Run...in a Recession? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. If you've read the news over the past half year, chances are you've heard economists talk about inflation and how "heated" the economy is. You might also have he…
…
continue reading
1
WAW094: Top 10 Questions About Money
51:23
51:23
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
51:23
WAW094: Top 10 Questions About Money If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Despite it being easier than ever to learn about money, most of us just stink with managing our own finances. With more than half of Americans unable to pay fo…
…
continue reading
1
WAW093: The Red Elephant in the Tax Room
43:36
43:36
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
43:36
If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. The day is finally here. Yes, folks you guessed it - The day you all have been waiting for all year is here - The US Midterm elections. You're not interested? Fair enough, but you might still want…
…
continue reading
1
WAW092: HELOC is it a Bad Word?
39:55
39:55
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
39:55
WAW092: HELOC is it a Bad Word? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. A HELOC stands for “Home Equity Line of Credit”. As the name suggests, HELOC is a debt instrument that allows homeowners to tap into the equity of their home and us…
…
continue reading
1
WAW091: 15 Fundamental Finance Tips for Students
41:06
41:06
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
41:06
WAW091: 15 Fundamental Finance Tips for Students If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. While we’re taught many other topics, like “the birds and the bees”, chemistry, English, etc., personal finance is oddly missing from that curiculu…
…
continue reading
1
WAW090: Should you follow Dave Ramsey’s Baby Steps?
57:20
57:20
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
57:20
WAW090: Should you follow Dave Ramsey’s Baby Steps? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Dave Ramsey is a titan in the world of personal finance. He has sold multiple New York Times best sellers, including his most famous book, “The …
…
continue reading
1
WAW089: Should You Loan Money to Family?
39:22
39:22
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
39:22
WAW089: Should You Loan Money to Family? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Money and family is messy to say the least. It’s something that most people wouldn’t touch with a 10 ft pole, yet for many, it can’t be avoided. Maybe ther…
…
continue reading
1
WAW088: 9% Savings Account?! Introducing I-Bonds!
25:44
25:44
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
25:44
WAW088: 9% Savings Account?! Introducing I-Bonds! If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. While high inflation is generally a very bad situation, there is one area where high inflation is actually beneficial. Let us introduce you to Ser…
…
continue reading
1
WAW087: Top Tips to Fight Inflation
31:12
31:12
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
31:12
WAW087: Top Tips to Fight Inflation If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. If you’ve watch the news lately, it’s tough not to hear any news about inflation. It’s as if the end of the world is near and there’s nothing you can do about i…
…
continue reading
1
WAW086: Is an Electric Vehicle (EV) Right For You - Part 2
37:12
37:12
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
37:12
WAW086: Is an Electric Vehicle (EV) Right For You Part 2 If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. We didn’t intend to make this a two parter, but for those who are intrigued or thinking about being in the market for an EV, you’re in for …
…
continue reading
1
WAW085: Is an Electric Vehicle (EV) Right For You?
40:37
40:37
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
40:37
WAW085: Is an Electric Vehicle (EV) Right For You? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Quick disclaimer, when Kevin and Van recorded this episode, the Inflation Reduction Act was not announced yet. So if you’re wondering why we this…
…
continue reading
1
WAW084: Top 10 Financial Security Tips
36:48
36:48
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
36:48
WAW084: Top 10 Financial Security Tips If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Okay, we admit we did it again. We clicked on even more clickbait, but what can we say? We are interested in this stuff and sharing it with our audience. In …
…
continue reading
1
WAW083: Is Cash Stuffing Right For You?
38:18
38:18
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
38:18
WAW083: Is Cash Stuffing Right For You? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. If you clicked on this thinking this was "The Price is Right" you are sorely mistaken. This episode dives into the budgeting concept known as "Cash Stuffing…
…
continue reading
1
WAW082: How to Pick the Right Home Loan
38:02
38:02
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
38:02
WAW082: How to Pick the Right Home Loan If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Home purchase is likely the biggest purchase you’ll ever have to make. But how do you know what home loan product is right for you? You hear terms like “fix…
…
continue reading
1
WAW081: Top Ten Money Lessons for Kids
28:54
28:54
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
28:54
WAW081: Top Ten Money Lessons for Kids If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Okay, we admit it. Van and Kevin got suckered into clickbait and clicked on an article called "10 Things Kids should know before they're 10" (the title was j…
…
continue reading
1
WAW080: Kids and Finance Part 1
31:43
31:43
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
31:43
WAW080: Kids and Finance Part 1 If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Let's face it. As parents, we all want our kids to be self-sufficient when it comes to handling money and finances. We certainly don't want them to be using sticker…
…
continue reading
1
WAW079: Car Buying Tips in These Crazy Times
35:41
35:41
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
35:41
WAW079: Car Buying Tips in These Crazy Times If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Thinking of buying a car these days? Well think again! With low inventory and high mark ups, we’re living in one of the worst times in history to buy a…
…
continue reading
1
WAW078: Tax Loss Harvesting Listener Request
31:15
31:15
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
31:15
WAW078: Tax Loss Harvesting Listener Request If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. One of our listeners requested an episode for Tax Loss Harvesting… well, here it is! You ask, and we deliver. Tax Loss Harvesting sounds complicated, a…
…
continue reading
1
WAW077: Top Financial Scams to Avoid
30:47
30:47
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
30:47
WAW077: Top Financial Scams to Avoid If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. In this digital age, many of us are inundated with scam after scam after scam. Some of these scams are very obvious, however, some of them have gotten very sop…
…
continue reading
1
WAW076: Dealings with Money and Family
30:33
30:33
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
30:33
WAW076: Dealings with Money and Family If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Who runs the money in your family? Do you manage it yourself? Or does your spouse, parents, or some other relative manage your finances for you? How is that …
…
continue reading
WAW075: Tax Platforms If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Do you hear that sound? It's the collective groan of tax season, the once a year gift from the US Government. While filing taxes is not the most fun, there are some simple th…
…
continue reading
1
WAW074: Can I Retire Now?
29:06
29:06
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
29:06
WAW074: Can I Retire Now? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. With the coming of the pandemic, many folks have been reflecting on the thought of early retirement. But have you thought about what it takes to successfully retire? Is i…
…
continue reading
1
WAW073: Word About Wealth Comeback Special
20:15
20:15
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
20:15
WAW073: Word About Wealth Comeback Special If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Finally … the Word has come back to podcasting! Sorry for the hiatus, but Kevin and Van are officially back to give you the financial entertainment that …
…
continue reading
1
WAW072: Does Good Debt Exist?
48:19
48:19
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
48:19
WAW072: Does Good Debt Exist? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. One of these days, your Uncle Bob will lecture you about “good debt” and “bad debt”. It’s pretty obvious that things like credit cards and debts you owe to the mob ar…
…
continue reading
1
WAW071: Retired? What To Do Now?
39:33
39:33
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
39:33
WAW071: Retired? What To Do Now? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Many people think that saving up for retirement is tough. But we have a surprise for you … figuring out how to live off of your retirement nest egg is event toughe…
…
continue reading
1
WAW070: 529, the Best Way to Save for College?
31:19
31:19
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
31:19
WAW070: 529, the Best Way to Save for College? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Is the 529 the best way to save for college? The 529 has been the most recommended vehicle to save for college expenses, but there are some serious d…
…
continue reading
1
WAW069: Who is Self-Reliant Financial Independence Coach?
35:48
35:48
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
35:48
WAW069: Who is Self-Reliant Financial Independence Coach? If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. In this episode, we take a closer look into Van’s Self-Reliant FI business to find out what services he provide and how he can help you ac…
…
continue reading
1
WAW068: Reader Mail Edition # 6
31:16
31:16
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
31:16
WAW068: Reader Mail Edition # 6 If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. In this episode we answer our listener mail. Here is what’s on the docket: 1. How do you budget credit card purchases? 2. Should I make contributions to my 401k dur…
…
continue reading
1
WAW067: Can I Afford It House Edition
48:22
48:22
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
48:22
WAW067: Can I Afford It House Edition If you are interested in a 1-on-1 financial coaching session, please contact selfreliantfi@gmail.com to schedule a free consultation. We’re here for you. Interest rates have been at an all time historic lows. Because of this, it has sparked another round of the home buying craze. But is buying the a home the ri…
…
continue reading
1
WAW066: Living Will and Trust and Why You Need One
35:04
35:04
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
35:04
WAW066: Living Will and Trust and Why You Need One Hello everyone, we here at A Word About Wealth hope you and your families are doing well and continue to stay safe in these turbulent times. This is a rather morbid topic, but what happens to your money when you die? Does it go to your family? Does it go to your favorite charity? Or does it go to t…
…
continue reading
1
WAW065: Van Opened a Business and How He Did It
1:01:26
1:01:26
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
1:01:26
WAW065: Van Opened a Business and How He Did It Hello everyone, we here at A Word About Wealth hope you and your families are doing well and continue to stay safe in these turbulent times. Finally … Van has opened …. his side business! That’s right folks, things are getting real as Van opened his very own financial coaching business he calls “Self-…
…
continue reading
1
WAW064: CARES Stimulus Act Aftermath
45:46
45:46
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
45:46
WAW064: CARES Stimulus Act Aftermath Hello everyone, we hope you are all with your families and staying safe. It’s been a couple of months since the CARES Act passed and we wanted to go over some of the ways that this bill affected us individually and from a small business perspective. Did the bill help us or did it hurt us in any way? Did Kevin ge…
…
continue reading
1
WAW063: Biden Tax Plan and How it Affects You
29:44
29:44
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
29:44
WAW063: Biden Tax Plan and How it Affects You Hello everyone, we hope you are all with your families and staying safe. In Part 2 of our presidential debate, Kevin will be laying the smackdown on Joe Biden’s tax plan. Find out how this plan will affect our bank accounts and whether it will help the rich, the poor, and everyone in between. Come and j…
…
continue reading
1
WAW062: Feel the Bern With Your Wallet
30:27
30:27
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
30:27
WAW062: Feel the Bern With Your Wallet Hello everyone, we hope you are all with your families and staying safe. Wanted to give you a quick public service announcement. Kevin and I recorded this episode in late March before Bernie Sanders announced his drop out of the 2020 presidential race. Some of the information provided in this episode may be ol…
…
continue reading
1
WAW061: CARES Act and How It Affects Businesses (PPP and EIDL) Part 2
58:44
58:44
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
58:44
WAW061: CARES Act and How It Affects Businesses (PPP and EIDL) Part 2 Congress has passed the CARES Act (Coronavirus Aid, Relief and Economic Securities) which is supposed to help us all get back on our feed during this crazy time. It is a comprehensive bill that will inject an unprecedented 2 trillion dollars into the public. This time around, we …
…
continue reading
1
WAW060: CARES Act and How It Affects You Part 1
55:46
55:46
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
55:46
WAW060: CARES Act and How It Affects You Part 1 Congress has passed the CARES Act (Coronavirus Aid, Relief and Economic Securities) which is supposed to help us all get back on our feed during this crazy time. It is a comprehensive bill that will inject an unprecedented 2 trillion dollars into the public. For the average Joe or Jane, it’s not very …
…
continue reading
1
WAW059: Corona Virus Financial Entertainment
28:11
28:11
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
28:11
WAW059: Corona Virus Financial Entertainment There’s no doubt that this is a very scary time in our history. With a freak virus running rampant and stock markets dropping like an anchor, it’s very easy to fall into despair and hopelessness. But fear not! We’re here to help you turn those lemons into lemonade. Tune in and find out what you can you c…
…
continue reading
1
WAW058: Car Care Tips That Will Save You Money
44:45
44:45
Daha Sonra Çal
Daha Sonra Çal
Listeler
Beğen
Beğenildi
44:45
WAW058: Car Care Tips That Will Save You Money Your car is an important asset. It takes you to your work, transports you and your family around, and takes you practically anywhere you want to go. But whether you drive an economical Toyota Corolla or a high end Mercedes S Class, these vehicles requires periodic maintenance that can be quite costly. …
…
continue reading