Not Your Average Financial Podcast™

By Not Your Average Financial Podcast™

Think different about your money, your economy and your future. Be curious. Be stable. Be sane.... more

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How many episodes does Not Your Average Financial Podcast™ have?

The podcast currently has 406 episodes available.

Not Your Average Financial Podcast™ episodes:

April 10, 2020Episode 136: Dividends or Market Dips?
In this episode, we ask:
What’s the name of the game?
Are we seeing “garden variety” volatility?
Does buy and hold work?
Have you heard Episode 51?
Have heard Episode 52 and Episode 53 with Les Himel?
Where does our money live?
Which financial ride would you rather take (see table below)?
Where do you put your money?
Which dance partner would you rather have?
What if you put your money in safe assets?
What about treasury bonds?
What happened to the insurance carriers?
How is the stock market’s performance different from personal performance?
What about the standard deviation?
How often do losses occur?
What do losses do to the power of compounding?
How does the power of compounding work?
What is required for true compounding?
What about chasing returns?
What are the takeaways?
What about inflation?
What are people saying?
What does a realistic budget look like? Let us know at Speakpipe!
How do your numbers stack up since 2004?
Would you like us to run your numbers? Book A Meeting with Us
...more
24min
April 03, 2020Episode 135: [Mythbusters] The Upside Down Fictional Security of Bonds
In this episode, we ask:
Are bonds safer than stocks?
Are you rethinking your philosophy towards finances?
Do you watch financial advice on TV?
What is a blend of stocks and bonds?
Why do people believe in the blend of a 60/40 split?
What is asset allocation?
What does it mean when something is negatively correlated?
What is the 100 minus age rule?
What is a declining equity glide path?
Which option gives the worst outcomes?
Do you have a target date fund inside of your retirement funds?
Are bonds really the safe money alternative?
What about falling interest rates?
How do bonds work?
How do bond prices improve?
Do bonds have risk?
What happens when interest rates go up?
What is the key question driving investors?
Do you have a 401(k) or an IRA?
What about the risk?
Why do you expect the stock market to get you a better return than a savings account?
How are bonds like loans?
Are interest rates likely to go up?
Do you want to put money in something that’s “at the top”?
How can you know what’s most likely to happen with interest rates?
What happens when interest rates go up?
What happens with bond principal in relation to interest rates?
Can we control interest rates?
What about the “deadline” on the bond?
What happens with a 1% increase?
What happens with a 2% increase?
How does the risk go up?
What else can we do?
What about the volatility?
What about the risks baked into bonds?
What happens if a bond is called?
Would you like to reach out?
What are some alternative to bonds?
What is recurring premium whole life insurance?
What happens with compounding?
What happens when you need cash, with liquidity?
What about dollar cost averaging?
What about guarantees?
What about annuities?
What about the tax treatment?
What about single premium whole life insurance?
Have you heard Episode 91?
What about the tax treatment?
What about the potential penalties?
What is your risk score and how does it line up with your goals and objectives?
Would you like to know your risk score?
Would you like us to run your numbers?
What are people saying?
What does a realistic budget look like?
Let us know at Speakpipe.com/nyafp and we’ll send you a free book!
...more
33min
March 27, 2020Episode 134: How To Protect Your Retirement from Lawsuits with Sarry Ibrahim
In this episode, we ask:
Do you know we’re so thankful for your questions?
What happens if you get into a lawsuit with a life insurance policy?
Who is Sarry Ibrahim?
What did Sarry learn from working with retirees?
How did asset protection become a focus for Sarry?
Are you exposed to things you can’t control?
Do you have money in safe and secure places?
Who is at risk?
What are the other risks?
What about the shake down?
What sort of lawsuits?
What are the most common claims?
How common are lawsuits in the U.S. each year?
What’s the chance you will be sued?
How does one protect themselves?
Have you googled the exempt assets in your state?
Which of your assets are exempt?
Which of your assets are non-exempt?
Are Bank on Yourself policies exempt?
What are the questions you need to ask?
Is this solution 100% asset protected?
How much will it cost to implement this solution? Are there any recurring costs?
What are the contribution limits?
Is it liquid? Can you access money anytime? What are the age or time restrictions?
Is it exposed to market volatility?
Can you integrate this plan into other areas of your life and business?
What is the tax exposure you have?
How do different vehicles compare?
What about a 401(k)?
Are there fees in a 401(k) or IRA?
Are there contribution limits in a 401(k) or IRA?
Is a 401(k) or IRA liquid and accessible?
How might a 401(k) or IRA integrate into other areas of life?
What is the tax liability on a 401(k) or IRA?
What about a Bank on Yourself type policy?
Is a Bank on Yourself type policy considered an exempt asset (in most states)?
What are the fees on a Bank on Yourself type policy?
What are the contribution limits on a a Bank on Yourself type policy?
Is a a Bank on Yourself type policy liquid and accessible?
Should you take a policy loan during a legal proceeding?
Will a policy loan go into your checking account?
Is a a Bank on Yourself type policy exposed to volatility?
Can you integrate a Bank on Yourself type policy into other areas of your life?
How might you use a Bank on Yourself type policy for real estate?
How might you use a Bank on Yourself type policy for investments?
How might you use a Bank on Yourself type policy for retaining employees?
How might you use a Bank on Yourself type policy for retirement planning?
What about the tax liability with a Bank on Yourself type policy?
What if tax rates go up?
Would you like learn more about Sarry and visit finassetprotection.com?
What happens when you’re coming “down the mountain” in retirement?
Are you a business owner?
Are you a lawyer?
Are you a real estate investor?
Are you prepared for a predator?
Are you prepared for a creditor?
Have you googled the exempt assets in your state?
What are people saying?
Would you like a FREE book?
Would you like to leave us a message at SpeakPipe before April 19, 2020?
What does a realistic budget look like?
Sarry Ibrahim graduated from Keller Graduate School of Management with an MBA in Project Management. He started his career at Allstate where he advised clients on auto, home, business, and life insurance. He then went on to become an independent broker, focusing on Medicare Supplement plans and Medicare Advantage plans, due to his passion for helping seniors. He has provided advice to hundreds on health insurance and Medicare. Having worked with seniors, Sarry has seen the struggle that many retirees go through when on fixed incomes as well as going through the hassle of being able to pay for long term care costs. Sarry is now helping individuals (not just seniors) plan for retirement, asset protection, and estate planning to avoid unnecessary risks and exposures to things outside of most people’s control. As a Bank on Yourself Authorized Agent, Sarry helps his clients achieve these results.
...more
38min
March 20, 2020Episode 133: Client Spotlight: Engineers and Bank On Yourself® Superstars, Derek and Amy Baker
In this episode, we ask:
Who are Derek and Amy Baker?
How did Derek earn his first dollar on the horse farm?
How did Amy earn her first dollar while camping?
When did they start thinking beyond the employee mindset?
How did thinking about paying for college motivate them?
What sort of real estate investments do they hold?
What did they learn at the conference?
How did they meet Mark?
How are they saving for college?
What do they love about the concept?
Why did Derek and Amy choose to work with Mark?
What do they love about working with Mark?
What did they learn?
What about who you know?
What about who you like?
What about who you trust?
Is this too good to be true?
What about moderate and solid growth?
What about liquidity?
What about access?
What about government restrictions?
What about going against the grain?
What about building generational wealth?
How do they use their cash value?
How does this affect their real estate work?
How do they deploy cash?
What about property inspections?
What about traveling to the property?
What about putting money into the value add?
What about advertising cost?
What about Bridge loans?
What about repairs?
What’s the scariest part of banking on yourself?
What about the time to “brew”?
What does it feel like to be a financial weirdo?
Why did Derek and Amy get into real estate?
How do they set themselves up with multiple streams of income?
What was the wake up call?
How are they building assets?
How did the Bank on Yourself® type policies help them through difficult times?
What about the flexibility of the policies?
How does this feel like a safety net?
What about fees?
As engineers, how did Derek and Amy get past the initial cost of life insurance?
Is this unbelievable?
What about the power of Bank on Yourself® type policies?
What are Derek and Amy doing with real estate syndication?
Would you like to reach out to Derek and Amy?
[email protected]
What advice do Derek and Amy have?
How might you be more active and present?
Are most people overly passive with their money?
When is the best time to take a step?
What do you love about Derek and Amy?
How do they use real estate investing AND Bank on Yourself® type policies?
How do Derek and Amy think out three generations?
What makes all of the difference?
Would you like a FREE book?
Would you like to leave us a review?
What are people saying?
Would you like to leave us a voice message before April 19, 2020? Our question is:
What does a realistic budget look like?
Derek and Amy Baker are Founder and Co-Founder of Jamtine Investments headquartered in Grand Blanc, MI. They currently own and manage a multifamily rental portfolio of 253 units in Michigan, Texas and Tennessee. Derek and Amy have been active in real estate since 2016 with an emphasis on apartment syndication. They are members of Think Multifamily led by mentors Mark and Tamiel Kenney.
Derek and Amy are graduates of Michigan State University. They both currently work for General Motors as Engineers and both hold a Bachelor of Science degree in Mechanical Engineering and Master of Science degree in Engineering Management. They have three beautiful children Molly (4), Emma (2) and Brayden (8 months) along with their perfect rescue dog, Izzy.
...more
38min
March 13, 2020Episode 132: The Reason Why We’re Broke and How To Fix It
In this episode, we ask:
Would you like a better sense of control and purpose?
Why does anyone do the thing that is not in their best interest?
Is there a lack of information?
What controls our unconscious?
How many of our decisions come out of our unconscious?
What beliefs do you have about money?
Is money the root of all evil?
Will your spouse take care of you?
Are you good with numbers? Do your eyes glaze over?
What do beliefs lead to?
What is the B-E-A-R trap?
What did Fortune magazine say?
What about the lottery winners?
Where do lottery winnings go?
What are the four exit ramps off the B-E-A-R trap?
What about Beliefs?
How many original thoughts do you think each day?
How often do you think about money?
What do we believe about money?
Do you journal?
What do you truly believe?
Have you written your beliefs down before?
Where do each of these beliefs come from?
What would your life be life if these beliefs didn’t exist?
What about mirror neurons?
What about Jim Rohn?
What about Excuses and Effort?
How might you move from resentment to gratitude?
What have you done already?
What worked? What didn’t work?
What did Dan Sullivan say?
What about Actions?
Who are the new people?
Who do you look up to?
Do you budget?
Do you track your financial structures with software like You Need A Budget?
What about Results?
Why do I handle money this way?
What about relationships?
What about health?
What about hobbies?
What’s the upward spiral?
Can you change your beliefs?
Do you have to retrain your mind?
What did the Dalai Lama say?
Do we all start with the same potential?
Do we all get the exact same 24 hours?
Do you believe that we all have the same potential?
What are you doing with that potential?
What about activated potential?
What one action can you do today?
How can you move to massive action (over time)?
What is the goal?
What is the one thing I can do today,
toward my goal,
such that by doing it,
everything becomes
easier or unnecessary?
What is a distraction?
What about results?
What went right last week?
What went wrong last week?
What can you improve based on what you learned?
What is the Keep Improve Start Stop (K.I.S.S.) method?
How do you come back to belief?
How do you see yourself?
What is a weekly preview?
What is a weekly review?
What are the 3-5 major accomplishments you feel good about?
What is the one thing I can do today,
toward my goal,
such that by doing it,
everything becomes
easier or unnecessary?
What went right?
What went wrong?
What is the Full Focus Planner?
Do you have a physical journal?
What are people saying?
Would you like a FREE book?
Would you like to answer our question of the month?
Leave us a message on SpeakPipe before April 19, 2020?
What does a realistic budget look like?
...more
29min
March 06, 2020Episode 131: Get WealthFit with Dustin Mathews
In this episode, we ask:
Have you watched something that is binge-worthy lately?
Who is Dustin Mathews?
How did Dustin’s out of body experience affect him?
What about Dustin’s mission?
What about education around money and entrepreneurship?
What is WealthFit?
What sort of courses do they offer?
How do you evaluate the word wealth?
What is the difference between wealth and money?
What about school?
What about parents?
What creates wealth?
What about being outside of the comfort zone?
What about finding phenomenal teachers?
How did Dustin get to where he is today?
Have you read Rich Dad, Poor Dad?
What about real estate investing?
How about marketing?
What keeps people from achieving wealth?
What stands in the way of wealth?
Why do we try to please people?
Why do we find ourselves in certain situations?
How do wealthy people blaze a different path?
What happens when you follow the herd?
Have you seen the flea jar video on youtube?
How might we lead?
Is there only a finite amount of value in the world?
What companies emerge from ideas?
What decisions are you making?
Have you read the book, Grit?
Have you decided to be wealthy?
What sort of courses are available on WealthFit?
How does money move?
Why is it so important to pay off bad debt?
How can you make the jump from active to passive cash flow?
What’s the game plan?
Would you like to visit wealthfit.com?
Would you like to listen to the podcast or take the courses at getwealthfit.com?
Would you like to follow WealthFit and Dustin?
What’s your favorite memorable money mistake?
Leave us a voice message at speak pipe! We’ll send you a FREE book!
Dustin Mathews is the Chief Education Officer at WealthFit – a company disrupting the financial education space and leading ordinary people to lives of wealth. Along with many best selling books, Dustin is the host of the popular “Get WealthFit!” Show.
He has interviewed and shared the stage with athletes, business celebrities, movie producers and titans of business such as Danica Patrick, Cal Ripken Jr., Kevin Harrington, Robert Kiyosaki, Jesse Itzler, Shannon Miller, Dave Meltzer and many others.
Dustin’s ventures have been featured by Forbes, Entrepreneur, USA Today and INC Magazine. He also received recognition by the United States Patent and Trademark Office for codifying a process for creating and selling products and service, Irresistible Offer Architecture®.
...more
30min
February 28, 2020Episode 130: Storing Cash in Storage Units with Kris Benson
In this episode, we ask:
Are storage units going to be around awhile?
Who is Kris Benson?
What about the trading time for money model?
How did Kris get into real estate?
How did Kris niche down?
Where are the markets for self storage?
How many self storage units are there?
What mindset do people have for using storage?
Are there more storage units than fast food places?
Who are the storage unit customers?
Why would someone want to invest in storage units?
Do storage units have fussy tenants?
What are the two types of investors in storage units?
What are the three pillars that drove Kris into storage investing?
What about overall returns according to the data on nareit.com?
What is a real estate investment trust?
How is storage an out-performer?
What happened in the latest downturn?
Do Americans get rid of things when times are good?
Do Americans get rid of things when times are bad?
How many players are in the storage space?
What are the 5 major REITS in self storage?
What about mom and pop operators?
How does Kris evaluate storage properties?
What about net operating income (NOI) growth?
What do they do at Reliant?
Who is John Cordova?
How is storage a micro market?
How is storage not like an apartment complex?
How is storage a business of convenience?
What can go wrong in the storage business?
What about direct ownership of storage?
What about partnering with an operator?
How does occupancy fluctuate?
What about passive income streams?
What about Reliant’s professional organization with 48 properties?
How is this a diversification tool?
What happens to storage units when the stock market fluctuates?
What are some of the tax advantages of investing in real estate?
Is it possible to do cost segregation on a storage building?
What about the recapture?
What about long term capital gains rates vs. ordinary income?
Do passive investors receive depreciation?
Who needs to check with their CPA?
What’s a non-correlated asset?
Have you visited krisbenson.com?
Would you like to visit reliantinvestments.com?
What does self storage provide?
What about growing wealth in a way that is recession resistant?
Note the disclaimer: The topics presented in this podcast are for general information only and not for the purposes of providing legal, accounting or investing advice. On such matters, please consult a professional who knows your specific situation.
///////////////////////////////////////////////////////////////////////////
What about Moneeka Sawyer’s upcoming virtual, online Real Estate Investing for Women Summit? What about networking, the book, the date and the pricing?
What will Mark be speaking about at the summit?
Would you like to join? Visit blissfulinvestor.com/event
////////////////////////////////////////////////////////////////////////////
What’s your most memorable money mistake? What lesson did you learn from it? Leave us a voice message by March 15, 2020 and we will send you Pamela Yellen’s latest book FOR FREE.
Kris Benson, is the chief investment officer for Reliant Investments, a subsidiary of Reliant Real Estate Management. Reliant Real Estate is one of the top 30 commercial self-storage operators in the U.S. in 2018. As chief investment officer at Reliant, Kris’s investing philosophy has always been about changing the paradigm of trading time for money. Kris knows the only thing in this world you cannot create more of is time . Time with your family and ultimately time doing the things you love. Investing in real estate has always been his path to passive income and he is passionate about sharing that opportunity with others.
In the last 12 months the Reliant team has invested over $96MM in self-storage projects and raised over $38MM from investors.

Self-Storage provides a unique opportunity to invest in one of the most successful asset classes in the past 5 years and take advantage of the institutional interest moving forward.
Kris graduated from the State University of Binghamton and currently lives just outside Saratoga Springs, NY with his wife Jenn and two sons, Noah and Luke.
He is an outdoor enthusiast with a passion for the ski mountain, the lake, and his mountain bike!
...more
36min
February 21, 2020Episode 129: What if the Real Scam is Wall Street?
In this episode, we ask:
Have you heard the saying, “When you point a finger at someone, you have three more fingers pointing back at you?”
What does Wall Street say?
Does Wall Street fit the definition of a scam?
What did Holly Johnson say in The Simple Dollar article entitled Four Reasons Whole Life Insurance Is Not Worth It?
What did a 2015 Consumer Reports article titled Is Whole Life Insurance Right For You say?
What about the advice given to eight-year-old Virginia O’Hanlon in 1897 by the New York Sun about Santa Claus?
How is life insurance the exact opposite of gambling?
How long are the insurance companies willing to make promises?
Does any other financial institution make this level of promises?
What other financial instruments offer these promises?
What is the primary purpose of whole life insurance?
What are life insurance companies doing all day long?
What is whole life insurance’s not-so-secret promise?
What did the DALBAR study say in 2018?
What did Fidelity say at the end of 2017?
What about the buy and hold strategy?
What do mutual funds advertise?
What are mutual fund investors actually receiving?
Are you in a Target Date Fund?
Which is the scam?
How much will taxes eat up income from retirement savings?
What is the difference between risk tolerance and risk capacity?
How would you feel with a 40% decline in your portfolio?
What’s the problem with a risk tolerance questionnaire?
Do the questionnaires reflect reality?
What if we change out risk tolerance questionnaires with a risk capacity score?
When can investors afford to take risks?
What would fundamentally change the financial planning industry?
How might you take bias and opinion out of your financial calculations?
What’s the money that you cannot afford to lose?
Why does Wall Street seem to think that insurance has no place in a portfolio?
Are you risking money you can’t afford to lose?
What’s your magic number?
Would you like us to find your magic number?
Is there a purpose for every financial vehicle out there?
Are you skeptical of your own risk opinion?
What’s a favorite or memorable money mistake?
Let us know! Leave us a message
Would you like to leave us a review?
Email us a screenshot of your review and we will send you a FREE book!
...more
26min
February 14, 2020Episode 128: Seven Reasons Bank On Yourself® is Legitimately the Real Deal!
In this episode, we ask:
What are the core reasons why Bank On Yourself® is the real deal?
Who is The White Coat Investor, Dr. Jim Dahl?
What did he write about Bank On Yourself®?
What did Ted Benna, the father of the 401(k), say?
Where is Ted Benna parking his money?
What are Ted Benna’s three reasons why we should be weary of 401(k) plans?
Who is Jim Harbaugh?
What is a split dollar loan agreement?
What is the nature of Jim Harbaugh’s arrangement?
Could a business own a whole life insurance policy?
Why would a business want to own a policy?
Can a life insurance policy act like a deferred compensation plan?
What about Babe Ruth’s life insurance policy?
Would you like purchase a replica of Babe Ruth’s policy?
Have you heard Episode 66?
Are you still skeptical?
Have you read the Pirates of Manhattan?
What do the banks do with their assets?
What about Enron founder, Ken Lay?
What about Lehman Brothers?
What is Tier 1 capital?
Does life insurance qualify as Tier 1 capital?
What did your grandparents do with their whole life insurance policies?
What was the most popular life insurance product from 1940-1970?
What happened in 1981?
Have you heard Grandma’s Wealth Wisdom podcast?
What is 10x safer than a bank’s savings account?
Why are banks so eager to keep your cash on hand?
What is fractional reserve banking?
How much can banks loan out?
What is the Dodd Frank Act?
What are the reserve requirements for life insurance companies?
How much does the well capitalized life insurance company have to have on hand?
What is the big difference in reserve requirements between banks and life insurance companies?
Have you read How Privatized Banking Really Works?
How do the life insurance companies invest their funds?
How much do life insurance companies have to keep liquid?
How much do life insurance companies have to have to pay death benefits?
How are life insurance companies strictly regulated?
What happens if a life insurance company gets into difficult times?
What are the additional protections?
How have many life insurance companies been able to pay a dividend for over 100 years?
Why do life insurance companies under promise and over deliver?
Have you heard Episode 118?
Have you heard Episode 106 and 107?
How does the insurance industry support the infrastructure across the U.S.?
What is the unique business model of the insurance companies?
How can the insurance companies get a better yield?
If this was a big scam, how could the insurance company build so much?
What do the investments of the insurance companies look like?
Is the money still liquid?
What usually constitutes a scam?
When do most people lose their skepticism?
How does life insurance cash value benefit families, businesses and other individuals?
What about the disclosures?
What is concealment?
What about the paperwork?
What about the disclosures from a prolific insurer, Mass Mutual?
What are the myths and truths about life insurance?
What about subscribing to the research from Pamela Yellen’s work?
What are some takeaways?
Should you believe everything you read on the internet?
What sources have authority?
Have you read Financial Independence in the 21st Century?
Would you like to buy this book?
What about Investopedia’s guide to dividend paying whole life insurance?
Have you heard Episode 74?
Have you heard Episode 55?
Have you heard Episode 6?
Have you heard Episode 36?
Have you heard Episode 91?
Have you heard Episode 110?
What is your favorite or most memorable money mistake? Leave us a message and let us know!
Would you like a free copy of Pamela Yellen’s latest book?
...more
39min
February 07, 2020Episode 127: Is Bank on Yourself® a Scam? A Nerd’s Eye View on Policy Loans and Michael Kitces
In this episode, we ask:
Is Bank on Yourself® a Scam?
Who is Michael Kitces, and why do we respect him so much?
What did Michael Kitces write about Bank on Yourself®?
Would you like to read Pamela Yellen’s responses to his analysis of Bank on Yourself®?
What does Kitces say about permanent whole life insurance loans?
What does Kitces say about growth in a whole life insurance policy?
What is a non-direct recognition policy loan?
Have you heard Episode 110?
What does Kitces say about access to cash value?
What does Kitces say about loans causing policy lapse?
What does Kitces say about taxable gains?
Should you take a home mortgage?
What are the consequences of not paying a debt back?
What happens to life insurance policy loans when one dies?
What happens with debt forgiveness?
Why does Mark work with Pamela Yellen’s Bank on Yourself® authorized advisors group?
What else does Kitces say about permanent whole life insurance loans?
Would you like to learn more about taxes and life insurance loans?
Have you heard Episode 29?
What other financial vehicle allows for this?
What are the key structures in a properly designed Bank on Yourself® type whole life insurance policy?
What is an indexed universal life insurance policy (IUL)?
What is a crediting rate?
Can you build a Bank on Yourself® type whole life insurance policy on an IUL product?
Do whole life insurance policies have crediting rates?
Would you like to learn more about indexed universal life insurance policies (IUL)?
Have you heard Episode 59?
Have you heard Episode 60?
Have you heard Episode 61?
Why is the Bank on Yourself® brand important?
Should you worry about life insurance policies lapse?
Do you have a mortgage? Could you lose your mortgage? Could you lose your house?
What if half of your mortgage payment was optional?
Can you have discipline with your finances?
Do you have a well trained advisor who truly understands the proper way to build and care for a Bank on Yourself® type whole life insurance policy?
What is Michael Kitces biggest blind spot in his article?
Do you finance everything you buy?
Do you use traditional financing?
Do you take loans from auto companies?
Do you take loans from a FDIC insured bank?
Do you take loans and pay them back according the preset schedule?
After the traditional loan, what do you have left?
What about leasing?
What do you have at the end of a lease?
What about paying cash instead of financing?
Do you save up and pay cash for everything?
Do you replenish your savings?
When you pay cash, aren’t you actually borrowing from yourself?
How much interest are you earning on the money you withdrew?
When will you begin earning interest?
Are you paying interest, passing up interest or earning interest?
How is paying cash like stealing from your future self?
Would you like to learn more about opportunity cost?
Have you heard Episode 13?
What does a Bank on Yourself® type whole life insurance policy loan offer?
Have you heard Episode 32?
What are your thoughts on this?
Who do you know who needs to hear about this?
Would you like to leave us a review? Send us a screenshot of your review to [email protected], and we’ll send you a free book!
...more
31min

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