The Dr. Friday Radio Show

Welcome to another episode of the Dr. Friday Radio Show! In this episode, tax expert Dr. Friday answers callers' tax questions and covers the following topics:

And much more!

Announcer 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:29 All righty, I'm Dr. Friday, and this is the Dr. Friday show. And this is our season, as we all know, and love, taxes, taxes, taxes, that is what we're going to be considering not only talking about what happened in 2022, because once you're in front of me, there's very few things we can really do for the year of 2022. But we also need to consider some of the things that might be changing for 2023.

Dr. Friday 0:55 Now, we talked a little bit and I have some people that have, even in our office, we talked about the 1099k, I do want to reiterate that taxpayers should receive a 1099k from a third party by January 31 2024. Now, that is going to be a new, they move that date from 2022 to 2023. So tax year 2023. If you are selling things are using Venmo, PayPal, any of this cash apps, don't be surprised if you get that was changed. It's anyone that exceeds $600. Or I think it's like six transactions. It's a very small amount of what you want to do. The IRS has also put a newsletter out reminding people that if you were from some of the states, I know California because we have quite a few Californians here.

Dr. Friday 1:50 And if you received some of the inflation credits, they actually sent out with one of my clients that I've been doing forever. It just went directly into her bank, she did not even know she was getting it. She's pinging me like why did I get this refund? I'm like, you know, it says that it's some sort of inflation. Abbreviation we call it found out that this was some sort of rebate. But keep in mind, they are going to probably tax that on the federal side, we're still waiting to find out to be quite honest with you, in the standard miles rate right now is 62.5. That's pretty sweet.

Dr. Friday 2:28 So, you know, again, tracking your miles and tracking them correctly, not just, you know, not just putting some numbers down on a piece of paper or saying hey, I think I put like 40,000 miles on my car this year isn't going to fly when the IRS is wanting to have the actual information. So what we do want is we want you to use something like mileage IQ. You can also do things like any of the ones that you use to do, like I use mileage IQ, you can do any of the different ones that are available out there still like mileage IQ best.

Dr. Friday 3:07 Because that way, then you have the ability to run a report, it shows every time you start every time you stopped, you can program it. So you can say this was commuting or this was actual miles. That's what we want to be able to do because without commuting, and you know, again, you can hear a lot of different things. But I will be honest, a bit of this 25 years, I've handled quite a number of audits, especially when it comes to miles. And,

Welcome to another episode of the Dr. Friday Radio Show! In this episode, tax expert Dr. Friday answers callers' tax questions and covers the following topics:

And much more!

Dr. Friday 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:27 Good day, I'm Dr. Friday and the doctor is in the house on another wonderful Saturday where we get to talk about my favorite subject taxes; how can you not love taxes, it's already time for you to file if you haven't done it yet. And for a few of you that may have rushed to the beginning, you may find that the IRS is still sending you some forms. So my suggestion is if you've prepared your taxes, maybe wait a few more weeks just to make sure that you don't have a Charles Schwab or some sort of investment statement. I've had two that came in this morning, our clients that we thought were finished. But and in some cases, one of them. We never had this statement in the past.

Dr. Friday 1:10 So it's something new; he didn't realize he was going to generate some dividends and interest income which happened. So really just making sure that your reporting is I mean, it's not that you can't amend a tax return Well, absolutely, you can amend a tax return. But it's always easier to file an original return. Many people who are listening probably remember, at some point amending a tax return and knowing it can take six to nine months. Sometimes it seems like we can now electronically file them but that hasn't helped everything because we've done a lot of that as well and still end up with the IRS coming back saying oh we don't have that information, etc, etc.

Dr. Friday 1:48 So very important to make sure that you you know get all your documents in a row and make sure you don't have something that you know may have come in some sort of settlement. Employers that may have gotten ERTC's employee retention tax credit, remember that is dated for the years that the credit apply to so many years many of you need to amend 2021 and 2022 and men 22.

Dr. Friday 2:14 But complete it. So if you are getting ERTC credits, you need to make sure that you are reporting them correctly in your tax return. And you will get charged a penalty and interest. The IRS has ruled that with the employee retention tax credit if you're going backward, and now you owe taxes for that period, they are not waiving those penalties. Unless you know, unless you haven't had some issues where you can come up with a good reason. But it's not going to be in the book. So even though you got the windfall of extra money coming in this is not like PPP money, this is taxable income in the year that it was and some people even got some from 2020.

Dr. Friday 2:54 So don't make the mistake of saying, "Hey, I received all the money in 2022. So I'm reporting that in 2022." That is not the way ERTC is supposed to be reported. And you will need to correct each year that you received that ERTC. So very important to understand. Because last thing

Welcome to another episode of the Dr. Friday Radio Show! In this episode, tax expert Dr. Friday answers callers' tax questions and covers various topics, including:

Listen to learn much more!

Announcer 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:31 Good day, I'm Dr. Friday and the doctor is in the house. And if you want to join the show, you can it is our favorite time of the year it is tax time, which means now instead of just talking about it, we are going to be doing it we are preparing taxes, goodness, every single day, this next few months. And so if you are working on your own taxes and you're needing some questions answered, you're not too sure how something's going to be filed.

Dr. Friday 0:57 Or if you're from one of those states that maybe got a little bit of tax relief, and now finding out that maybe that tax relief is going to become taxable income that is not going to affect Tennesseans. But if you're going to in from other states, you may have some of those situations like California and some of them, where if there was tax issue to you, you may find that some of that income given to you has now become possibly taxable income.

Dr. Friday 1:23 In fact, 70 million tax returns were already filed before the IRS say wait a second, Where's all this money? And where are we? Where are we going to tax it or not. So they're, they're still trying to figure out what they're going to do. So that being said, if you're filing taxes, and you have some questions, you can join us 615-737-9986, taking your calls, talking about all things taxes, maybe you've had a situation where you've sold real estate, maybe you have a situation where you're doing different things, you know, I mean, maybe you're actually having to deal with someone else's estate, maybe someone's passed away or anything like that.

Dr. Friday 2:06 So if you've got those questions, this is the show, you want to at least start the conversation. And then some of them you are going to just as a caveat, some of the information provided is more general, you may want to double check this information. In fact, I will say you definitely want to double check this information with your tax expert. And if you don't have one, you can always give us a call.

Dr. Friday 2:26 Or we can give you a referral to someone that might be able to be an expertise in that situation. But making sure that the information you get let's start with getting that information out. And then we can go from there. Again, it is tax season 2022. So if you haven't filed taxes and 21 or 2020, you can still file your 2022 on time, don't use that as an excuse that he hadn't file past taxes. So now you're not too sure how to file your current one. We are on the calendar year people. So even if you haven't filed back taxes, you could start with your 2022 and deal with other issues. All right, we've already got the phone lit up, which is so awesome. I love when you guys call. Let's go to Joey, and see if I can help him. Hey

Welcome to another episode of the Dr. Friday Radio Show! In this episode, tax expert Dr. Friday answers callers' tax questions and covers various topics, including:

and much more!

Dr. Friday 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:29 Today, I'm Dr. Friday, and the doctor is in the house. It is all season we are off very busy preparing tax returns, and dealing with tax questions. And this is your opportunity because I will tell you trying to reach us during the week on the telephone, email or texting can take 24 to 48 hours to get a return.

Dr. Friday 0:48 But right now, on the radio, if you're able to get through the phone lines, you probably can get your question answered, at least get you in the right direction so that you can move forward with either filing your taxes, your questions can have to do with 2022. And some of the things that were happening in 2022. And then 2023, I do want to update anyone that may know about the contributions; they did not renew the 306 100 for the charitable contributions into 2023. We thought they might actually do that in the secured act.

Dr. Friday 1:18 So the standard deduction does not have an exception or an extra dollar amount of 300 or 600. And we'll have a bunch of other things that we are slowly finding out now for sure what's on tax returns, what was approved, what wasn't. I had an interesting gentleman call me the other day about the student loans and the fact that they did take it all the way through to the first of January of 2023 for not having to pay or not paying interest or anything.

Dr. Friday 1:49 Therefore, it is our understanding at least that if you have a refund, normally they keep it. You may have a refund coming in 2022, and you may be able to get that in your pocket like you did in 2021. All right, if you've got questions, 615-737-9986. And I believe Brian was first in Donaldson, so let's do it. Hey, Brian.

Caller 2:15 It's me. Thanks for taking my call. Thanks. I have just Social Security, PVC, and a little bit of bank interest. It all totals to 27 650. Do I need to file a federal tax?

Dr. Friday 2:31 So how much of the 27,650 is Social Security?

Caller 2:36 25.596

Dr. Friday 2:38 No. So you do not need to file taxes.

Caller 2:42 You are an angel again this year. Thank you.

Dr. Friday 2:45 Thank you, sweetie. All right. Let's talk to Kelvin in Lebanon.

Caller 2:51 Yes, I just moved from a house that had a lot of outbuildings, and I could put my storage up my construction equipment in them outbuildings. I don't have this at this next house at this other house. So I've had to get a rent a storage shed for my construction equipment. Is that something I can take off my taxes?

Dr. Friday 3:17 Well, are you operating as your own se

Welcome to another episode of the Dr. Friday Radio Show! In this episode, tax expert Dr. Friday answers callers' tax questions and covers various topics, including:

and much more!

Announcer 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:25 This is the Dr. Friday show. Hopefully, we're hearing here. And we are ready to talk about my favorite subject taxes. If you would like to do something more on taxes, this is the show you want to talk about it's tax season, we are already starting taxes.

Dr. Friday 0:44 Remember, e file will not happen until the 24th, which is right around the corner here. It's the 21st A few more days we'll be able to E-file going directly through that. And so if you have started to receive your documents, don't rush to the fiddle finish line because I've already had a couple of people that have come in. And they thought all I have is a W-2, we can get this done, I can go ahead and get filed. And sure enough, on the two days, the people I'm talking about had something more that happened.

Dr. Friday 1:14 And it was enough to make it where we changed their taxes. The good news is we had an E filed them yet. So we did not have to physically amend the taxes. But we were able to get them corrected before we filed anything else. So again, if you have a question or you want to do something with your taxes now is the time that you can concentrate, make sure you have everything again, we can't file them, even if you go to h&r block or any of those either people they do not have a faster door than anyone else.

Dr. Friday 1:49 The difference is some of them have services where they'll give you advances on your estimated refund. I'm going to say this, be careful. I know some of you guys do this every year, and you don't care if you have to pay a couple extra $100. Because you're getting a couple of $1,000 some cases six $7,000.

Dr. Friday 2:09 And you rather pay that money today and walk out the door with 3500 in your pocket and wait for the difference in refunds. But you know, if for some reason they've already basically come down last year was the first year this year, they're going to do the same thing. They're going to slow refunds to individuals with earned income credit for children, they're trying to confirm that the person claiming the child is the proper parent. And therefore they already said those refunds aren't going to be coming out until almost late mid to late February.

Dr. Friday 2:36 So you may get the money today. But remember the interest on those loans, if for some reason they give you too much. It's not where it's going to be guess what the interest is, like 20 Some percent, that's ridiculous. Besides, if you've already paid a fee to get the money early, then you're going to pay a penalty for either getting money that you shouldn't have, or they're going to keep more of it. Because if it goes past

Welcome to another episode of the Dr. Friday Radio Show! In this episode, tax expert Dr. Friday answers callers' tax questions and covers various topics, including:

and much more!

Announcer 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:29 Good day. I'm Dr. Friday and the doctor is in the house. So I'm hoping you guys are all ready for an awesome tax season, we are going strong IRS will actually open E file officially when I know a lot of companies are preparing including ourselves. But we actually end up putting in my queue. But bottom line is January 24 is when you will be able to actually e file your tax returns. So if you are working on your own online or anything like that, you will be able to get an official acceptance from the IRS on January 24.

Dr. Friday 1:07 Do again expect if you are filing early, there's a couple of things they're warning people one, make sure you don't miss any information this year is going to be a little simpler, and a couple of different reasons. One, we don't have all the stimulus and the advanced child credits, that's gonna get back to a bit of normal, but the child credit of course, is back down as well to the 2000 instead of the 35 or $3,000, depending on the age of your children.

Dr. Friday 1:33 So some of you that may had a large refund in the last year or two due to the stimulus and or child, additional credits may find your refund to be less than what you had in the past couple of years. You may also find that the 1099k, they extended that to 2023. So many of you that were worried about eBay and having those shops and different things like that, you may find that you're not going to receive that 1099k That was part of one of the adjustments they made under the secure act. And they extended that out to to the next year. So that will be something we will be still having to face in 2023.

Dr. Friday 2:18 But they did extend it out to us. So it might be a benefit as well, for many people that just weren't sure exactly how that was going to work. We are going to make sure that if you have any stock sales, if you sold any real estate, if you started a business, if you've changed the business, you close the business, just make sure you put a little thought because a lot of times people think, Okay, I've only got my W 2, but sometimes other things happen throughout the year.

Dr. Friday 2:47 And if you don't actually have that information or you know, don't file your taxes, I know it always looks like you're gonna get a great refund, therefore, you know, I'm going to file it so I can get my money fast. But you know, there is penalties assessed when you don't file the taxes correctly. Most of the time, simple things like stock sales forgot to put in my portfolio. And keep in mind if you are a cryptocurrency individual that is dealing with selling cryptocurrency, and that is not just selling it back to US dollars. But maybe you went from Bitcoin to lithium to somethi

Welcome to the Dr. Friday Radio Show! In this episode, tax expert Dr. Friday discusses the latest tax updates, answers callers' questions, and covers the following topics:

and much more!

Announcer 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:29 Good day. I'm Dr. Friday and the doctor is in the house at least I'm here somewhere at the moment. So if you want to join the show, you can 615-737-9986. And then we want to talk a little bit about you know, tax season. Christmas is upon us and then guess what happens? Then we start having a lot of fun, due date will be April the 17th this year. So a little later than some other years. Sometimes it's April 15, as we all know, but when it comes down to getting the the important things in life, we want to make sure that we are covering all of that. And you have all the information.

Dr. Friday 1:18 So if you're thinking about your taxes, keep in mind, anything you do in your taxes is on a calendar year with the exception of a few small things like making your IRA contribution or doing something along those lines. But other than that most of the time, your other stuff is all going to be on the calendar year. So if you want to give to charity, you need to you need to give to charity now before December 31. And remember up to cash up to $600, a married couple or $300 a single individual, you get to claim above the standard deduction that does not include giving clothing to Goodwill or any of those other situations, this has to be cash, if you're going to do it that way. So again, if you're going to want to take that as a tax deduction, you need to do it in the calendar year.

Dr. Friday 2:16 So if you have questions on that, or if you want to, maybe you've sold some real estate inheritance is usually a very confusing or a very subject that many of us aren't always sure is it going to be taxable? Is it not going to be taxable? Whatever the situation might be, it's still going to come in. So if you're you know, now's the time, because again, January 15, you should be taking and making your first or your fourth if you're self employed, and you have to do quarterly is your fourth quarter contribution. If you are a single I mean if you are have a single entity or a single situation like you sold some land or something like that, my suggestion is always to make at least by January 15, a quarterly estimate, so they don't get you for not paying proper quarterly. And keep in mind the quarterly law doesn't it? People are always thinking, "Well, I can send something in." The way the IRS looks at it for packs a penalty is pretty straightforward to be quite honest. Whatever your taxes do in the year before, then you basically have...

Dr. Friday 3:29 Let's say you owe $10,000, then you would pay you know what $2,500 every quarter equally, even if your income i

Welcome to another episode of the Dr. Friday Radio Show! In this special Christmas episode, we have tax expert Dr. Friday and electrical contractor, Dr. Electric answer caller's tax and electrical questions, and talk over the following topics:

and much more!

Announcer 0:01 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:29 Good day, I'm Dr. Friday and this is our Christmas show. We have Dr. Electric still on here. So I want to go quickly because Trey was the winner of the $50 Olive Garden/Longhorn or other things Tray. Thanks for holding through that switch of shows. We appreciate you listening. So they've got your information. So thank you again and Merry Christmas.

Caller 0:55 Merry Christmas to you.

Dr. Friday 0:58 All right. So, we've got an electrical question from Sherry. Sherry, why don't you go ahead and come on first. Hey, Sherry. You got a question for Dr. Electric?

Caller 1:14 I do. A couple of quick things. All right. So the first question is, my husband and I are in charge of basically the maintenance type stuff at the church building where we attend. And we have an exterior outlet, a exterior light, and then an interior light and a little airlock type room before you go into the fellowship hall that has suddenly stopped working. There's no breaker tripped or anything obvious going on. So I was wondering if you might have any ideas as to what we might be looking at there.

Dr. Electric 1:53 If you don't see a breaker trip at all, and sometimes just reset them to be safe, but look for the closest thing working next to it. Sometimes it's like dot to dots. A wire, you know, you might have three things not working. But one of the hallways right there might be working, the wire could have came off of it what feeds. Like if you picture in your mind, five plugs in a row and a wire goes from one to two to three to four to five and number. The wire comes up at number two, one and two will work but three, four or five won't. So that's how we'll check. We'll we'll pull out a couple of things.

Dr. Friday 2:35 He's still talking even when we can't hear him Sherry. Okay, well, I think he's basically trying to say to a Sherry is that you need to figure out where the last one's working. And then open up that one and find out if something might be disconnected inside the plug. I'm guessing, I'm not an electrical person.

Dr. Friday 2:56 Yeah, we can hear you. But then you went out now we can hear you again.

Dr. Electric 3:00 I'm in the Ozarks. Look for the nearest thing working.

Dr. Friday 3:06 Okay. That can be inside and outside? or just most likely, wires run inside.

Caller 3:16 Nothing else outside right there. The next closest thing would be an outlet that's just inside the door.

Dr. Friday 3:23 Okay, so what wo

Welcome to the Dr. Friday Radio Show! In this episode, tax expert Dr. Friday discusses the latest tax updates, answers callers' questions, and covers the following topics:

and much more!

Announcer 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:30 Good day, it's Dr. Friday and the doctor is in the house. What a wonderful Saturday. It's a little overcast out there. I know. But it's still a nice day out there, at least. So if you have questions, maybe you're starting to think about It's almost the end of the year. So if you have any kind of changes that you're thinking Roth conversions, selling something, possibly maximizing a 401 K, now is the time to be doing that, because we only have a few more weeks of this year. And anything that happens in 2023 pretty much stays in 2023.

Dr. Friday 1:06 So if they're thinking about making a change or altering these next couple of weeks will be the weeks that you want to do that if you want to join the show, you can 615-737-9986. And for many of you that have been listening for a long time we've been on here, I think 1314 years, we have our big Christmas show next weekend. So as many people that have listened, many of my clients actually have when one little gift cards, we give away 1000s of dollars and two hours Doctor electric and the Dr. Friday show merges for that one weekend. And we we have a great time thanking all of our listeners for listening all year, and using all services.

Dr. Friday 1:54 So again, that will be next Saturday starting at one o'clock on the Dr. Electric show. So that's gonna be a lot of fun. And, again, if you want to join the show, if you've got questions about taxes, or maybe you've inherited or you've sold something, and you just want to make sure you've estimated your taxes, keep in mind, if you have sold a piece of property, or you have made a large profit on a stock or anything else, the IRS expects within 90 days an estimate to be made either 110% of what you owe the year before in total taxes, or the amount due that you would estimate do up to 100%. Otherwise, you could look at penalties.

Dr. Friday 2:39 So again, if you're at that point, and you're like oh my gosh, because January 15 is our final estimate for the year of 2022. And so we want to make sure that you have made all the proper estimates and that you are making sure that the money has been passed, because the worst thing would do is if you've sold something you already have a client come in the other last Wednesday, I think it was and they had sold an $800,000 piece of property and their basis was a couple 100. So they're looking at roughly 80 to $90,000 worth of estimated taxes needing to be paid in.

Dr. Friday 3:16 But looking at their prior year, we able to send in a smaller amount, not a whole bunch. But we did send in less than what we know could be due but we want to send that in again. So that the IRS doesn't hit us with failure to file or proper estimated taxes. Because

Welcome to the Dr. Friday Radio Show! In this episode, we have tax expert Dr. Friday take on the latest tax updates, answer the caller's questions, and talk over the following topics:

and much more!

Announcer 0:00 No, no, no, she’s not a medical doctor, but she can sure cure your tax problems or financial woes. She’s the how-to girl. It’s the Dr. Friday show. If you have a question for Dr. Friday, call her now. 615-737-9986. So here’s your host, financial counselor, and tax consultant, Dr. Friday.

Dr. Friday 0:28 Good day, this is Dr. Friday, and you're listening to the Dr. Friday show. And we are live here in studio having a little technical difficulty. Usually it's mine, because let's be honest, I'm not necessarily a technical person in this world people. So we can go ahead and see if you have questions, you can give us a call at 615-737-9986 going to be taking your calls in the video. So you may see if the Zoom is working just to see if we're gonna be able to do it that way or not. We're good. Either way, I know you're working multitasking there. So let you do your thing. There's not been a whole bunch of changes, a lot of conversation out there about things going on as far as the 2022 tax changes that could be coming down the line. But I think what most people need to be really thinking about at this point, we've got down to about 3035 days to the end of the year.

Dr. Friday 1:24 And what we need to be thinking about totally is Is it time for us to think about tax savings, right? If you're on RMDs, have you done your qualified charitable deduction, or taking your RMD through that format? If you've purchased or sold homes, this is something we can do that direction as well. You know, do we need to not not RMBs? What can we do something as far as a 1031 exchange? Or do we need to think about taxes on our primary homes? We have all kinds of questions that's gonna go that direction, along with if you had inheritance, how much taxes are you going to be looking at? or whose taxes are you looking at? You know, when and where is that going to come into play for you. And because you know, I have tax time is great, it's a perfect time to really get with your tax person.

Dr. Friday 2:14 But if you have the ability to get with that person earlier, always a better thing to do. Because if we can do that, then we can deal with the situation of how to make things more user and let's be honest, we're very busy at tax time. If you can talk to someone before tax time starts, then you'll be able to get somewhere and do some of the things you need to do. I'm not sure if I can take these kinds of videos only because I'm not sure if I can actually hear anything on here. So I just feel like I'm talking to myself. But if I can, that's great.

Dr. Friday 2:46 So I guess we can check and see if the caller one which is going to be let's see if I can hear anything. Hey, Roy, can you hear me?

Caller 2:55 Yes, ma'am. I hear you fine.

Dr. Friday 2:57