In 2023, car ownership costs are soaring due to high fuel prices, insurance premiums, and vehicle prices. Learn how to reduce your car payment and manage these expenses in this video. We cover refinancing, negotiation, and budget-friendly alternatives. Share with other car owners, like, subscribe, and stay tuned for more money-saving tips. Take control of your automotive finances!

Links Mentioned:

✅ https://www.cnn.com/2023/04/15/cars/car-loan-interest-rates-2023-dg/index.html

✅ https://www.carpro.com/blog/states-with-the-most-and-fewest-luxury-cars

✅ https://www.nerdwallet.com/article/loans/auto-loans/average-monthly-car-payment

✅ https://www.moneygeek.com/insurance/auto/average-price-of-a-new-car/

✅ https://www.nerdwallet.com/article/loans/auto-loans/much-car-payment#:~:text=Financial%20experts%20recommend%20spending%20no,as%20well%20as%20the%20payment.

🛎 Subscribe for more finance tips! https://www.youtube.com/@UCGSmuICtVM32gU_gUXbxyEw

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DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC

🏡 Are you concerned about the skyrocketing prices in the real estate market? Join us in this eye-opening discussion as we delve deep into why real estate affordability might not be improving anytime soon. 📈

In today's video, we'll explore the key factors driving the housing affordability crisis, from supply and demand imbalances to economic trends. We will provide valuable insights and data-backed analysis to help you understand the complex landscape of the real estate market.

If you're a potential homebuyer, an investor, or simply curious about the housing market, this video is a must-watch. Stay informed and make informed decisions in today's challenging real estate environment.

Don't forget to like, subscribe, and hit the notification bell to stay updated on our latest real estate insights. Share your thoughts and questions in the comments section below, and let's engage in a meaningful discussion about the future of real estate affordability. 🏠💬

Links Mentioned:

✅ https://www.foxbusiness.com/real-estate/redfin-ceo-issues-dire-warning-uss-rock-bottom-real-estate-market-american-dream-trouble

✅ https://finance.yahoo.com/news/barbara-corcoran-says-housing-prices-110050018.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAMu9n3tI6_orcM8Hyducs32LN2KSAAfTqAvUqfkQLv2IQ4nbC_NAaiSeKxbMsQkxildLedgt-LGQ5eZnwTo_1GcQ6XT8MWcLC28oRH3Z7mxRXEWN_4tYkajEzwOPni0CKxFhswjgYW3Dbkgtka2hzaGlrnsMlbRL9yeZJcojKNd2

✅ https://www.reuters.com/markets/us/us-mortgage-delinquency-rates-fall-all-time-low-2023-08-10/

✅ https://fred.stlouisfed.org/series/MORTGAGE30US

✅ https://fred.stlouisfed.org/series/DRSFRMACBS

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DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC

💡 Are you torn between two financial goals? It's a common dilemma, and we're here to help you navigate it. In this video, we'll provide you with valuable insights and perspectives on whether you should prioritize investing your money or focusing on debt repayment.

🏦 Investing can be a powerful tool for building wealth over time, but it's not a one-size-fits-all solution.

💰 On the other hand, paying off debt can provide a sense of financial security and freedom, but does it always make sense to prioritize it over investing? We'll break down the pros and cons of debt reduction and explore when it might be the right choice for you.

🤝 Ultimately, the decision between investing and paying off debt depends on your individual financial situation and goals. We'll provide you with a framework to help you make an informed choice that aligns with your unique circumstances.

Links mentioned:

✅ https://www.bankrate.com/loans/student-loans/student-loan-calculator/

✅ https://www.bankrate.com/finance/credit-cards/credit-card-payoff-calculator/

✅ https://www.nerdwallet.com/article/finance/pay-off-debt

✅ https://www.nerdwallet.com/best/credit-cards/balance-transfer

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📧 Email: [email protected]

Have you ever been told to not use a credit card because it will put you in debt? Do you own a debit card and use it all the time? Are you confused about whether to use credit cards or debit cards? 🤔

Don't worry; we've got you covered! In this video we break down the key differences between credit cards and debit cards, exploring their pros and cons. Plus, we'll go over some of the best credit cards to consider for your financial needs.

Links Mentioned:

✅ https://www.investopedia.com/articles/personal-finance/050214/credit-vs-debit-cards-which-better.asp#toc-pros-of-using-debit-cards

✅ https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

✅ https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred

✅ https://www.discover.com/credit-cards/cash-back/it-card.html

✅ https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/

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📧 Email: [email protected]

💵 Download the FREE Monthly Budget Template:

https://successful-founder-7703.ck.page/61d2ff5977

DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC

Are 401(k)s truly the gold standard for retirement planning, or have we been sold a myth? Join us in this eye-opening video as we delve into the pros and cons of 401(k) retirement accounts, revealing why they might not be as great as they seem.

In this thought-provoking discussion, we'll explore the limitations with 401(k)s that often go unnoticed. Discover alternative retirement strategies and investment options that might better suit your long-term financial goals.

Whether you're a seasoned investor or just starting to plan for retirement, this video will provide you with valuable insights that could reshape your approach to securing your financial future. Don't miss out on this essential information – watch now and empower yourself to make informed decisions about your retirement savings! 💰🚀

If you found this video informative, be sure to like, subscribe, and hit that notification bell to stay updated with more insightful content on personal finance, retirement planning, and wealth-building strategies. Share your thoughts in the comments below – we love hearing from our community!

Links Mentioned:

✅ https://www.bankrate.com/retirement/401-k-calculator/

✅ https://www.calculator.net/inflation-calculator.html?cstartingamount2=1%2C600%2C000&cinrate2=3&cinyear2=30&calctype=2&x=Calculate#forward

✅ https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

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https://open.spotify.com/show/5Ef9SJ1PIlPiCwOoD2xwTa

🎤 Apple Podcast: @The Bag Talk Show

https://podcasts.apple.com/us/podcast/the-bag-talk-show/id1602918575

📧 Email: [email protected]

DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC

We dive deep into Warren Buffett's recent claims that the economy's best days are behind us. Join us as we analyze his perspective and provide our own take on this controversial topic. Is Buffett's viewpoint well-founded, or are there reasons to remain optimistic about the future of our economy? We'll break down the key arguments, examine historical data, and present a balanced perspective that considers both sides of the debate. Whether you're an investor, economist, or simply curious about the state of our economy, this video will provide valuable insights to help you make informed decisions. Subscribe for more thought-provoking discussions on finance, economics, and investment!

Links Mentioned:

✅ https://finance.yahoo.com/news/warren-buffett-says-incredible-period-160002856.html

✅ https://ofdollarsanddata.com/ray-dalio-all-weather-portfolio/

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🎤 Apple Podcast: @The Bag Talk Show

https://podcasts.apple.com/us/podcast/the-bag-talk-show/id1602918575

📧 Email: [email protected]

DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC

We're diving deep into Jerome Powell's highly anticipated speech at Jackson Hole 2023 and deciphering what his words could mean for the stock market in the coming months.

🎙️ What Did Powell Cover?

During this year's Jackson Hole symposium, Federal Reserve Chair Jerome Powell addressed a captivated audience, sharing insights into the current state of the economy, monetary policy, and the Fed's approach to tackling potential challenges. From inflation concerns to interest rate expectations, Powell left no stone unturned. What will this mean for stock market investors? We give you our insights in this episode. We want to hear what you think. Leave a comment below and subscribe to the channel for more content like this!

Linked Mentioned:

✅ https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html

✅ https://www.businessinsider.com/the-federal-reserve-paused-its-interest-rate-hikes-2023-6

✅ https://www.npr.org/2023/08/25/1195908947/federal-reserve-jerome-powell-inflation-economy-interest-rates

✅ https://www.reuters.com/markets/us/highlights-fed-chair-powells-jackson-hole-speech-2023-08-25/

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🎤 Apple Podcast: @The Bag Talk Show

https://podcasts.apple.com/us/podcast/the-bag-talk-show/id1602918575

📧 Email: [email protected]

DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC

Links mentioned:

✅ https://twitter.com/burrytracker/status/1691121657526759424?s=46&t=FOQv4YKEPRUppV2xbYwHYA

✅ https://twitter.com/pelositracker_/status/1691553665902084209?s=42&t=FOQv4YKEPRUppV2xbYwHYA

✅ https://twitter.com/dougboneparth/status/1691152921897865216?s=42&t=FOQv4YKEPRUppV2xbYwHYA

✅ https://twitter.com/protosphinx/status/1691542767653007360?s=42&t=FOQv4YKEPRUppV2xbYwHYA

✅ https://stockcircle.com/portfolio/michael-burry/performance

✅ https://finance.yahoo.com/news/warren-buffett-buying-treasuries-regardless-112513557.html

✅ https://www.investopedia.com/articles/investing/072513/basics-tbills.asp

✅ https://www.cnbc.com/berkshire-hathaway-portfolio/

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🎤 Apple Podcast: @The Bag Talk Show

https://podcasts.apple.com/us/podcast/the-bag-talk-show/id1602918575

📧 Email: [email protected]

DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC

On this episode of Bag Talk, we give our opinions on financial advisors. We discuss the pros and cons of having one. We also provide some solid alternatives to having a financial advisor. Tune in to this episode, and leave your thoughts below!

Links:

✅ https://investor.vanguard.com/investment-products/etfs/profile/voo#performance-fees

✅ https://www.invesco.com/qqq-etf/en/about.html

✅ https://www.calculatorsoup.com/calculators/algebra/percentage-increase-calculator.php

✅ https://www.riaintel.com/article/2aucrzsa72lr93xz8ghds/investments/the-most-consistently-profitable-hedge-funds-continue-to-prove-their-edge

✅ https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

✅ https://www.cnn.com/2018/09/27/business/jcpenney-history/index.html

✅ https://www.cnbc.com/2019/08/08/jc-penney-faces-nyse-delisting.html

OUR SOCIAL MEDIA:

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🎤 Apple Podcast: @The Bag Talk Show

https://podcasts.apple.com/us/podcast/the-bag-talk-show/id1602918575

📧 Email: [email protected]

DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC

On this episode of Bag Talk, we discuss the new housing data and give projections on what could be coming next for the real estate market. We also discuss the interest rate expectations, so that you can stay in the loop and know exactly when to strike. Let us know your thoughts and be sure to subscribe to the channel!

✅ https://www.forbes.com/advisor/mortgages/real-estate/housing-market-predictions/

✅ https://www.redfin.com/us-housing-market

✅ https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html

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https://podcasts.apple.com/us/podcast/the-bag-talk-show/id1602918575

📧 Email: [email protected]

DISCLAIMER: THIS EPISODE IS INTENDED TO PROVIDE OUR GENERAL BUSINESS OPINIONS. NOTHING IN THIS EPISODE IS INTENDED TO SERVE AS LEGAL OR FINANCIAL ADVICE. BE SURE TO DO YOUR OWN RESEARCH AND CONSULT WITH A 3RD PARTY LICENSED ATTORNEY, CONSULTING FIRM, OR ANY OTHER LEGAL RESOURCES TO UNDERSTAND THE LOCAL RULES AND REGULATIONS THAT MIGHT AFFECT YOUR LOCAL BUSINESS. PLEASE UNDERSTAND THAT WE ARE SHARING OUR OPINIONS AND THOUGHTS WHICH WE HAVE GAINED FROM OUR EXPERIENCES THROUGHOUT THE LAST 5+ YEARS. WE CANNOT GUARANTEE YOUR SUCCESS OR ANY RESULT, SO PLEASE DO YOUR OWN DUE DILIGENCE WHEN TAKING OUR OPINIONS. WE VALUE YOU AS OUR COMMUNITY MEMBER AND THIS IS WHY WE BELIEVE BEING TRUE TO YOU AND PROVIDING YOU WITH 100% TRANSPARENCY IS KEY TO US GROWING TOGETHER. ALL RIGHT RESERVED. NO PART OF THIS DOCUMENT MAY BE REPRODUCED, DISTRIBUTED, NOR TRANSMITTED IN ANY FORM OR BY ANY MEANS. THIS INCLUDES PHOTOCOPYING, RECORDING, OR OTHER ELECTRONIC OR MECHANICAL METHODS, WITHOUT THE PRIOR WRITTEN PERMISSION OF THE BAG TALK SHOW LLC