MTI137: Should You Trust Fund Ratings? with Christine Benz

Morningstar’s Director of Personal Finance, Christine Benz, advises why an investor shouldn’t only rely on Morningstar® research, but should also do their own. She also breaks down the difference between index funds and exchange traded funds (ETFs).

Morningstar® researches mutual funds and rates them with stars to give investors a visual guideline of their performance. Our panelists discuss the benefits of using Morningstar® to help make the best investing decisions.

Today’s episode is sponsored by BUZZ Index

 

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

Today’s guest, Christine Benz:

Christine Benz is Morningstar’s Director of Personal Finance after two years as Director of Mutual Fund Analysis. She authored “Morningstar’s 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances

Morningstar’s 30-minute Money Solutions on Amazon

LinkedIn

Twitter

 

Today’s Panelists

Doug Goldstein | Rich as a King
Linda P. Jones | Be Wealthy and Smart
Miranda Marquit | Planting Money Seeds
Joe Saul-Sehy | Stacking Benjamins

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

MTI136: Trend Following, Speculation, and More with Daniel Ameduri

Daniel Ameduri believes 90 percent of your liquid net worth should be in reliable performers. The remaining 10 percent is for speculation by those who want to play around in the markets.

Daniel recently turned $83,000 from his liquid net worth into $3.5M through speculative investments.

Joe talks to Daniel about a number of topics, then digs into three areas of investing:

  • Dividend stocks
  • Single family real estate
  • Peer-to-Peer lending

While Daniel does not recommend it, he does share some insight on how to make money on penny stocks.

“Penny stocks are risky. However, what is not risky or as speculative is the people who run those companies. If you partner with the right people, you aren’t really speculating anymore.”

He also says to look at the properties other people aren’t looking to buy or can’t buy. For example: Houses with foundation problems aren’t eligible for a conventional loan. This eliminates about 99% of the competition, but he has found it may only take $5,000 to repair.

Today’s episode is sponsored by BUZZ Index

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

Click the logo to discover more about BUZ

 

Follow our guest, Daniel Ameduri

Future Money Trends
Crush the Street
Relentless Health podcast

 

Today’s Panelists

Joe Saul-Sehy | Stacking Benjamins.com
Miranda Marquit | PlantingMoneySeeds.com
Linda P. Jones | Be Wealthy and Smart
Scott Alan Turner | Scott Alan Turner Show

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

MTI135: Listener Questions Early Retirement, Investing in ETFs and When to Pay Down Your Mortgage

Answering listener questions about investing on today’s episode:

Matthew from Australia is 27 years old, has no debt, and plans to retire in the next 20-25 years. He deposited $150k into three ETFs: The S&P 500, All World, and ASX200 (Australian version of the S&P). He plans to deposit $40k annually and re-invest all dividends for the next 20 years, expecting a 10-12% return. Is there anything else Matthew can do to boost his investment strategy or is this the best a passive investor can do?

Dave is frustrated with one aspect of the MTI podcast: It is a question of buying individual stocks – or not. The panel appears to be split with Linda and Joe saying it’s okay if you use a small percentage of your overall net worth and you have a plan while Miranda says to just index. He is most confused by Doug’s position and wants more explanation of his position.

Dwight just got a raise. He and his wife are already saving 10% of their income in 401(k)s, saving for kids’ college, and are 4 years into a 30-year mortgage. Would it make sense for them to put this new found money into paying down the mortgage, refinancing the house to a 15-year loan (incurring closing costs), or put it in the 401(k)?

Lynn recently made her first investment via indexing and ETFs. How does her time-frame for using the money affect her future contributions?

Jason has a question about picking ETFs when you only have a small amount of money per month to invest. Aren’t the costs of buying small amounts of ETFs eating away at his returns? Why pick ETFs over mutual funds?

Captain Evan is a 31yr old planning to take 5yrs off to sail around the world. He has equity in multi-family rentals netting $3k per month cashflow plus very sizable reserves. Also, $500k in a taxable brokerage accounts paying good dividends. If you were in his shoes, what would the ideal portfolio mix look like?

Today’s episode is sponsored by BUZZ Index

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

Today’s Panelists

Linda P. Jones | Be Wealthy and Smart
Shannon McLay | Martinis and Your Money
Miranda Marquit | Adulting.tv
Doug Goldstein | Rich As a King

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.
Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

MTI134: Dividend Investing with Andrew Sather

Andrew Sather comes back to the Money Tree Investing podcast to talk about Dividend Investing:

  • The importance of investing in dividend-paying stocks
  • Dividend success stories
  • The Dividend Aristocrats: Walmart, Coca-Cola, Abbot Laboratories, Altria, Procter & Gamble
  • Having high-yield dividend funds to help build your portfolio

 

Today’s guest, Andrew Sather

Andrew loves to help beginners learn about investing through the Investing for Beginners podcast.

You can find it at http://einvestingforbeginners.com
or go directly to Investing for Beginners podcast in iTunes

Today’s Sponsor

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

Today’s Panelists

Miranda Marquit | PlantingMoneySeeds.com
Devin Carroll | SocialSecurityIntelligence.com
Doug Goldstein | Rich as a King
Joe Saul-Sehy | Stacking Benjamins.com

 

For a quick bio of each of our show participants, head on over to our panelists page.

 

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

Proudly sponosred by Buzz indexes (BUZ on the NASDAQ)

MTI133: Do Credit Cards Make Sense in Your Life? with Jason Steele

Jason Steele, an expert in the credit card industry, discusses the benefits and risks of using a credit card. Find out who truly benefits from your credit card purchases and who should give up credit card usage altogether.

Then, our panel of experts discuss if and how consumers benefit from points and reward schemes without falling into debt. Do they pay off their credit cards every month? Do they collect points and miles? And is spending on credit a good psychological exercise or does it teach a bad lesson – the same lesson you would learn by watching Congress)?

 

Today’s guest, Jason Steele

Jamie Wise is the Founder of BUZZ Indexes and the President and Chief Executive Officer of Periscope Capital, a Toronto-based hedge fund manager. His experience

Jason Steele’s website
Jason on Twitter

 

Today’s episode is sponsored by BUZZ Index

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

Today’s Panelists

Doug Goldstein | Rich As a King
Joe Saul-Sehy | Stacking Benjamins
Miranda Marquit | Adulting.tv
Linda P. Jones | Be Wealthy and Smart

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

MTI132: The Future of Active Trading with Jamie Wise

Imagine being able to gather investing sentiment from all over the world and focus it into one pool of stocks before the rest of the world. That’s what the BUZZ Index sets out to do. Innovative? Sure. Effective? We talk to Jamie Wise from Buzz Indexes about how he believes tracking the hive mind is better for picking stocks than individual analysts.

Then our crack panel of financial experts talk about the future of active investing through algorithms and indexing.

Where does this type of algorithmic investing fit into a portfolio? Join Joe, Miranda, Linda and Doug in a discussion about active vs passive investing with a sprinkle of social media mixed in.

 

Today’s guest, Jamie Wise

Jamie Wise is the Founder of BUZZ Indexes and the President and Chief Executive Officer of Periscope Capital, a Toronto-based hedge fund manager. His experience

BUZZ Indexes website
BUZZ Indexes on Facebook
BUZZ Indexes on Twitter
Jamie Wise on LinkedIn

 

Today’s Panelists

Joe Saul-Sehy | Stacking Benjamins
Miranda Marquit | Adulting.tv
Linda P. Jones | Be Wealthy and Smart
Doug Goldstein | Goldstein on Gelt

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI131: Successful Retirement & Social Security

When does it make sense to begin taking Social Security?

Age 62?

Age 67?

Even later?

Devin Carroll CFP® joins us to discuss the timing and situations when it makes sense to wait and some situations when it makes sense to take it early.

On average, a retiree gets about 40 percent of their income for Social Security. The average social security benefit in 2016 for a retiree was $1,362. Devin estimates one could lose 30 percent of their benefits by retiring early at age 62, but filing at age 70 could get you a 24 percent increase over the full retirement age of 67.

His advice is to make sure the date you file is part of your overall financial plan that takes your tax situation and all your other accounts into consideration.

Today’s episode is sponsored by BUZZ Index

 

 

 

 

Today’s guest, Devin Carroll

Devin is a CFP® and specializes in helping individuals navigate their way into a successful retirement.

Website: SocialSecurityIntelligence.com
Podcast: BigPictureRetirement.net
Facebook: Devin Carroll
Twitter: @devinacarroll

Today’s Panelists

Linda P. Jones | Be Wealthy and Smart
Miranda Marquit | Planting Money Seeds
Joe Saul-Sehy | Stacking Benjamins
Amanda Abella | AmandaAbella

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

MTI130: Taming the High Cost of College, with Brad Baldridge

Deferring saving for retirement or taking on your child’s student loan debt may not be the only option you have to pay for your kid’s higher education.

Brad Baldridge, CFP®, is a College Funding Consultant specializing in late stage college funding planning. He hosts “Taming The High Cost Of College” and helps families save time, money, and the stress from the planning processes of college. He joins us to share various smart ways to invest for college and take advantage of tax savings.

Then our panel discusses the dilemma of high tuition costs and the ROI on getting a college degree vs going into the skilled labor trades market.

 

Today’s episode is sponsored by BUZZ Index

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

 

Today’s guest, Brad Baldridge:

Brad Baldridge, CFP®, is a College Funding Consultant specializing in late stage college funding planning and the chief podcaster of Taming The High Cost Of College.  He provides customized planning using the latest financial aid, tax, cash flow and academic strategies.  With these strategies Brad may help a family save a significant amount of money on their college expenses and make a student’s college dream a reality.

Website: Taming the High Cost of College
Facebook: Taming the High Cost of College
Podcast on iTunes: Taming the High Cost of College
Podcast on Stitcher Radio: Taming the High Cost of College

Today’s Panelists

Miranda Marquit | Special Appearance on Goldstein on Gelt Show
Linda P. Jones | Be Wealthy and Smart
Doug Goldstein | Rich as a King
Joe Saul-Sehy | Stacking Benjamins

 

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

MTI129: Millennial Money Decisions, with Amanda Abella

Millennials are probably right to be scared of the market since they have witnessed some really bad experiences.

Our guest today, Amanda Abella, answers the question, “What would you tell millennials to get them into investing?”

Amanda is a millennial herself. She spends and saves with a “Values Based Spending” approach to budgeting. Every decision is based on her core value: Freedom. If it doesn’t help her find freedom, she doesn’t spend the money.

She also thinks it is really smart to use credit cards for the points, but they are not for everyone. She talks about all the free flights and trips she gets from using credit cards.

Today’s episode is sponsored by BUZZ Index

 

 

 

 

Today’s Guest: Amanda Abella

Amanda Abella is a millennial and an author. She wrote Make Money Your Honey to help young adults to make more money and actually keep it.

You can find her blog and podcast at AmandaAbella.com
Book on Amazon: Make Money Your Honey
On Twitter @AmandaAbella
And Instagram AmandaAbella

Today’s Panelists

Doug Goldstein | Rich as a King
Devin Carroll | Big Picture Retirement
Linda P. Jones | Be Wealthy and Smart
Miranda Marquit | Adulting.tv

For a quick bio of each of our show participants, head on over to our panelists page.

 

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips….even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered….and of you ARE online….you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month! Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.

MTI128: Marriage and Money, with Couple Money’s Elle Martinez

Elle Martinez from Couple Money joins us to talk about the HOW of talking about money with your partner.

Elle says to avoid talking about numbers when you first start a conversation about money.

Instead, talk about your goals. The goals will lead you to the decisions you make about how money is spent and saved, which then leads into a discussion about the numbers.

She also says it’s healthy to go on Money Dates. Elle and her husband leave the kids with a baby sitter and go to a nice restaurant. They don’t whip out the budget but they do talk about what happened the previous month, where they are on their path to reaching their long and short term goals, and where they can make adjustments.

A hot topic between couples, and our panelists, is the role a financial advisor plays in a couple’s finances. When you do bring one in to the “relationship”? All that is discussed in this episode of the Money Tree Podcast.

Today’s episode is sponsored by BUZZ Index

 

 

 

 

Today’s guest, Elle Martinez:

Elle and her husband didn’t start out money-masters. They’ve learned how to manage it together. Now she writes and podcasts about personal finance for couples. You can find Couple Money here:

Website: http://couplemoneypodcast.com
Facebook: https://facebook.com/couplemoney
Twitter: https://twitter.com/CoupleMoney

Today’s Panelists

Joe Saul-Sehy | Stacking Benjamins
Linda P. Jones | Be Wealthy and Smart
Doug Goldstein | Rich as a King

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

 

About our sponsor, BUZZ Index

Ever wonder if there were a way to capitalize on all of that online chatter made by millions of investors on social media? Well, your wait is over, because now advances in Artificial Intelligence and Natural Language Processing technologies are at your fingertips…. even if you personally don’t use social media! The BUZZ Index, licensed to an exchange traded fund and trading under ticker symbol BUZ, provides investors with a portfolio of securities that delivers a basket of large cap U.S. equities exhibiting the highest degree of positive investor sentiment. No surveys. No guessing. BUZ only tracks what’s volunteered – and if you ARE online, you know that a lot of information is volunteered: millions of posts, comments and blogs are analyzed each month!

Here’s how it works:. First, BUZZ targets the most mentioned large cap U.S. stocks across the Social Media landscape. The more active the conversation, the greater the reliability of the BUZZ.

Each of the most-mentioned stocks is then given an insight score based on BUZZ’s proprietary analytics and the 75 stocks with the most Bullish scores are included in the Index. Each month the BUZZ is tracked to capture the latest Big Data driven insights and then the 75 companies with the most Bullish scores are selected, positioning BUZZ to capture the highest return potential.

Invest in the wisdom of crowds. Visit MoneyTreePodcast.com/BUZZ for more information.