Bob brinker retirement - July 20, 2012. ·. Bob Brinker, Jr. Robert M. Brinker has been the editor and publisher of the Brinker Fixed Income Advisor since the inaugural issue in April 2005. Mr. Brinker earned his Bachelor of Science in Business Administration from Old Dominion University. He then went on to earn his Master of Science in Information Systems from the ...

 
Below are the 2008 performance numbers reported by Bob Brinker for his three recommended model portfolios: Model Portfolio I = Down 39.7%. Model Portfolio II = Down 37.4%. Model III (balanced) = Down 23.9%. Source: Bob Brinker's January 2009 " Marketimer " newsletter. 2008 Benchmarks:. Undercut near me

Retirement now can mean fifty to fifty-five years of age, when you could be offered early retirement! If you are fifty-five years of age or older in the year of your retirement, you can withdraw any or all of the money, whenever you wish, from your qualified retirement plan without any penalties whatsoever. ... Bob Brinker - Money Talk www ...First, our investor has reached age 50 and can contribute $6500 to a Roth IRA. He currently has a portfolio value of $220k and his portfolio is yielding 3% in dividends. …Bob Brinker was a huge help to me in my early years. I was convinced to invest in mutual funds after reading a book written by a financial planner. So, I bought my first fund which immediately took about 8% of my money for the sales fee or whatever.Mar 12, 2003 · ANNANDALE, Va. (CBS.MW) -- Bob Brinker, well-known radio talk show host and editor of Bob Brinker's Marketimer newsletter, issued a buy signal for stocks on... Bob Brinker's Model III balanced portfolio evenly divided between equities and fixed income securities performance for 2010 was + 13.0% ... Although I do try to follow his suggested advice to have a balanced , fifty / fifty , portfolio in retirement split between stocks and fixed income . However at this particular moment my asset allocation in ...Norbert J. Brinker Jr. Obituary. It is with great sadness that we announce the death of Norbert J. Brinker Jr. (Fenton, Missouri), who passed away on November 7, 2023, at the age of 84, leaving to mourn family and friends. Family and friends are welcome to leave their condolences on this memorial page and share them with the family.Below is the monthly update of the Marketimer Model Portfolios and the Brinker Fixed Income Advisor Model Portfolios through November 30, 2023. “Understanding both the power of compound interest and the difficulty of getting it is the heart and soul of understanding a lot of things.”WYMAN ROBERTS TO RETIRE, KEVIN HOCHMAN APPOINTED AS SUCCESSOR. DALLAS, May 16, 2022 /PRNewswire/ -- Brinker International, Inc. (NYSE: EAT) announced today that Wyman Roberts will retire as Chief Executive Officer and President of the company, President of Chili's ® Grill & Bar and as a member of the Board of Directors effective June 5, 2022.Any one use Bob Brinker Market timer $ news letter ... Any one use Bob Brinker Market timer $ news letter? ... , Retirement, 5 replies; Norman ...Bob Brinker opened the weekend (Saturday June 28, 2008) reminding listeners that he has been talking about the importance of oil prices and energy on today's economy. There is a direct correlation between rising oil prices and the economy as well as the stock market and we saw evidence of that this week as the S&P 500 closed Friday at 1278.A Solution for Retirement Brokerage Window Assets Brinker Capital has an option available for plans that utilize Fidelity BrokerageLink, which allow you to broaden your reach and access retirement assets that tend to remain invested over the long-term via continuous contributions. When you choose to utilizeI followed Bob's advice and it has ruined what should have been a wonderful retirement for me and my wife. We bought in at 82. What REALLY is unforgivable is that Brinker had NO EXIT STRATEGY for ...Bob Brinker on Approaching Retirement vs. The Retirement Advisor Bob Brinker has been able to reach a wide audience over the years by virtue of the syndication of ABC’s Radio Show, Moneytalk which he hosts on the weekend. Mr. Brinker has often discussed asset allocation, but in recent years we believe his market timing choices, and other ...5-sided building. This question was asked of Bob Brinker yesterday on the radio, by a caller who was retiring at 55. Bob said he ought to lower the SWR, at least in the first few years. His rationale was that there was a greater chance of his portfolio running out of money if he took 4% out annually earlier than the 'standard' retirement age.WYMAN ROBERTS TO RETIRE, KEVIN HOCHMAN APPOINTED AS SUCCESSOR. DALLAS, May 16, 2022 /PRNewswire/ -- Brinker International, Inc. (NYSE: EAT) announced today that Wyman Roberts will retire as Chief ...Last weekend Bob Brinker was asked for his current outlook for the interest rate risk on his favorite GNMA fund. For years and years, Bob Brinker has recommended Vanguard's GNMA fund, ticker VFIIX, charts and current quote.VFIIX has one of the lowest expense ratios in the industry and thus has about the best long-term performance as a …Still alive and enjoying retirement. Updates on his health and well-being. Conclusion. FAQs. 1. Who is Bob Brinker? 2. What’s the latest update on Bob …Bob Brinker opened the weekend (Saturday June 28, 2008) reminding listeners that he has been talking about the importance of oil prices and energy on today's economy. There is a direct correlation between rising oil prices and the economy as well as the stock market and we saw evidence of that this week as the S&P 500 closed Friday at 1278.Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free! Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community.Brinker, now 72, still encourages people to seek the land of critical mass. "Critical mass" is Brinker's term for accumulating enough money to live on for the rest of …DALLAS , Jan. 31, 2024 /PRNewswire/ -- Brinker International, Inc. (NYSE: EAT) today announced its financial results for the second quarter ended December 27, 2023 . Second Quarter Fiscal 2024 Financial Highlights Brinker International reported net income per diluted share of $0.94 , in the. Read More.Brinker did an excellent interview, asked helpful questions and shut up for the answers. I think it was over an hour long. Maxwell said a lot of things, but relevant to the recent downward pressure in crude and especially US NG prices, he felt that the most likely scenario would be a crude trading range between $55 and $75/bbl, basis WTI ... Our favorite investment ideas along with our views on the economy, monetary policy, and related topics. Subscribers have access to our Brinker Fixed Income Advisor and Marketimer Model Portfolios as well as our List of Recommended No-Load Funds. Jan 2008 S&P 500 in the 1460’s. You begin the year predicting in Bob Brinker’s Marketimer Newsletter new highs for the S&P 500 into the 1600’s range. The market is falling rapidly. Jan 20 you issue a bulletin to paying subscribers retracting your mid-1400’s BUY recommendation. Feb 2008 S&P 1378.Feb 2, 2022 · Bob Brinker has always maintained a personal life. He has not revealed the names of his family members. As per news sources, he is married and has three grown-up children. His son Robert M Brinker goes by the name of Bob Brinker, Jr. Brinker currently lives with his family in Henderson, Nevada. He also maintains a residence in Cocoa Beach, Florida. Brinker Comment: Bob observed how well the stock market is doing and told listeners that in January he had forecast that the market would make significant gains in 2009. Bob said a lot of people were talking about Armageddon at the time, predicting a collapse in the financial system. Bob pointed out that being in cash this year was the worst ...What's Bob Brinker the DMT Saying these Days? 03-26-2008, 04:18 AM #1: megacorp-firee. Thinks s/he gets paid by the post . Join Date: Apr 2007. Posts: 1,305 ... No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!Bob Brinker, John Bogle, Luis Rukeyser, and Andrew Tobias are the four guys to whom I own my successful retirement. Thanks to them I learned about asset allocation, low cost mutual funds, how to measure the performance of the funds I was looking at, not panicking in the face of the Bear, and how to avoid Shark Attacks.Hear the audio that matters most to you. Stream Bob Brinker Money Talk free online. Listen to free internet radio, news, sports, music, audiobooks, and podcasts. Stream live CNN, FOX News Radio, and MSNBC. Plus 100,000 AM/FM radio stations featuring music, news, and local sports talk.January 25, 2011 Bob Brinker's Warns About Muni-Bonds But Brinker Tax-Exempt Porfolio is Losing Money (My reply to a pack of lies posted elsewhere): I don't think you have any friends, youknowhoo. 1/27/11Bob Brinker taught details of what market reports impact the stock market, tax law (he introduced me to the "back door" Roth IRA back in 2006, you couldn't actually do it until 2010, and it didn't have a nifty name, its was just the Bush Tax law change that took the income cap off Roth conversions. ... My retirement portfolio is very ...Just a few years ago, retiring on cryptocurrency didn’t seem like a plausible possibility. Cryptocurrency retirement accounts are similar to their non-crypto counterparts — at leas...Bob cut hairstyles have been a popular choice for women throughout history. This iconic hairstyle has gone through various transformations, reflecting the changing trends and socie...We would like to show you a description here but the site won’t allow us.Bob’s Furniture is a well-known and reputable furniture retailer that offers a wide range of high-quality furniture pieces at affordable prices. With numerous locations across the ...July 20, 2012. ·. Bob Brinker, Jr. Robert M. Brinker has been the editor and publisher of the Brinker Fixed Income Advisor since the inaugural issue in April 2005. Mr. Brinker earned his Bachelor of Science in Business Administration from Old Dominion University. He then went on to earn his Master of Science in Information Systems from the ...Jun 24, 2023 · Bob Brinker Jr. had published the Brinker Fixed Income Advisor for quite some time but now I notice it's simply called the Brinker Advisor, so I wonder if the two Brinker investment letters may possibly have merged. $300/yr is a very steep price to pay for just fixed income advice so maybe the stock market is now covered as well. Bob Brinker. @bobbrinker. 3 links. Investor. 15K+ subscribers. Subscribe. Our favorite investment ideas along with our views on the economy, monetary policy, and related topics. Subscribers have access to our Brinker Fixed Income Advisor and Marketimer Model Portfolios as well as our List of Recommended No-Load Funds. Posts.Retirement should be a time to enjoy life. You should be able to relax and not worry about money anymore. To do that you need to think about your pension at every stage of your car...Bob Brinker, John Bogle, Luis Rukeyser, and Andrew Tobias are the four guys to whom I own my successful retirement. Thanks to them I learned about asset allocation, low cost mutual funds, how to measure the performance of the funds I was looking at, not panicking in the face of the Bear, and how to avoid Shark Attacks.For years, Bob Brinker talked about Intel and called it "a great trading stock." Hopefully you paid attention and learned to trade Intel around a core position. ... Article: Best Retirement Newsletter …Mr. Brinker’s site is full of educational resources for the investment student. You will find information on such topics as economics, mutual funds, retirement, securities, and stocks. Is site is also a great place to pick up the latest recommended reading list and purchase through Amazon while at the site.Apr 21. 26. Treasury Auctions, CD Rates, and LEI. Leading Economic Index fell 0.3% in March. Apr 19. 19. Series I Bonds & CPI Inflation Update. Headline CPI +3.5% :: Core CPI 3.8% Apr 11. 22. Model Portfolios | April Update. S&P 500 5254.35 10-Year UST Yield 4.20% :: March 31, 2024. Mar 31. 85. FOMC Meeting and Leading Economic Indicators.Jun 20, 2023 · Bob Brinker was a huge help to me in my early years. I was convinced to invest in mutual funds after reading a book written by a financial planner. So, I bought my first fund which immediately took about 8% of my money for the sales fee or whatever. Retirement now can mean fifty to fifty-five years of age, when you could be offered early retirement! If you are fifty-five years of age or older in the year of your retirement, you can withdraw any or all of the money, whenever you wish, from your qualified retirement plan without any penalties whatsoever. ... Bob Brinker - Money Talk www ...Jul 22, 2022 ... ... Bob Brinker and wife Annie of Severance, Colorado, Diane Miller and husband Jeff of Kalona, Iowa, Dale Brinker of Loveland, Colorado, Steve ...Robert “Bob” Kraft is the owner of the New England Patriots NFL franchise and Rand-Whitney Group LLC, a business in the packaging industry. Kraft is considered one of the most resp...Bob Brinker, John Bogle, Luis Rukeyser, and Andrew Tobias are the four guys to whom I own my successful retirement. Thanks to them I learned about asset allocation, low cost mutual funds, how to measure the performance of the funds I was looking at, not panicking in the face of the Bear, and how to avoid Shark Attacks.Bob Brinker is a stock market analyst and financial radio show personality, and publisher of the Brinker Advisor Substack. Read Brinker Advisor reviews. ... Low-cost index investing and prioritizing maxing out retirement savings has helped me build financial security. He encourages his listeners to learn and avoid the industry sharks looking ...Dec 29, 2017 · I don't know much about him, but someone whose financial judgment I respect does follow him. I've been a subscriber to Bob Brinker's newsletter for years and am looking for other perspectives and investment guidance. From the samples provided, it looks like Dent's newsletter doesn't recommend specific investments as Brinker's does. Brinker did an excellent interview, asked helpful questions and shut up for the answers. I think it was over an hour long. Maxwell said a lot of things, but relevant to the recent downward pressure in crude and especially US NG prices, he felt that the most likely scenario would be a crude trading range between $55 and $75/bbl, basis WTI ...Yes indeed. Bob Brinker tried to time the market, although most times Brinker kept at least some money in the market. Brinker's results over the years were …Editor Jim Schmidt bases this newsletter's market timing model on a consensus of the top market timers. His consensus of the top 10 based on performance over the last 52 weeks is bullish, with 9 ...Top podcast episodes. Robert John Brinker (born circa 1941) is an American financial advisor and radio host. From 1986 to 2018, Brinker hosted the syndicated financial radio show Moneytalk. He previously had a show on local New York radio on WMCA. Prior to that Brinker hosted talk radio programs on WCAU (now WPHT) …bob brinker on Roth [conversion] Non-investing personal finance issues including insurance, credit, real estate, taxes, employment and legal issues such as trusts and wills. 27 posts • Page 1 of 1. Topic Author. hulburt1 ... It's a trade off for those in retirement. I am converting a portion every year, but only have so many years until I hit ...Special guest: Robert M. Brinker has been the editor and publisher of the Brinker Fixed Income Advisor since the inaugural issue in April 2005. The Brinker F...Funny how 25 years ago, Bob Brinker recommended the Vanguard Total Stock Market Index over the highly popular S&P 500 even though they perform similarly and as of 2018, Vanguard themselves dropped the S&P 500 from their internal employee 401k plan in favor of the Total Stock Market due to broader diversification.Is Bob Brinker still inthe timer business? He got a couple of years of my bucks and, in exchange, I got screwed for following the QQQ call (mentioned here a few times over the years). ... Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free! Are you planning to be financially independent as early as …Mar 30, 2023 · Brinker Fixed Income Advisor ETF Portfolio — May 2024. Model Portfolio Performance. Our favorite investment ideas along with our views on the economy, monetary policy, and related topics. Subscribers have access to our Brinker Fixed Income Advisor and Marketimer Model Portfolios as well as our List of Recommended No-Load Funds. https://www.morningstar.com/funds/xnas/akrex/performance=====Get the PDF version of my Tax Bomb book for free follow this link.htt...May 16, 2022 · WYMAN ROBERTS TO RETIRE, KEVIN HOCHMAN APPOINTED AS SUCCESSOR. DALLAS, May 16, 2022 /PRNewswire/ -- Brinker International, Inc. (NYSE: EAT) announced today that Wyman Roberts will retire as Chief ... I have been a subscriber for 10+ years and have benefitted from newsletter even though Bob Brinker totally missed 2008 and now 2020 Covid-19 35% market drop. Basically he is long term investor and makes very few changes, basically stay the course. After my subscription expired in 2020, I tried to renew but could not.Bob Brinker is retiring, and with it comes the end of Moneytalk. The final program is Sunday Sept 30 4-7PM EDT. Brinker gave a lot of good advice on the program over the 32 year run and had Mr. Bogle as a guest at least once. The only thing I disagreed with Bob about was his belief in Marketiming.Bob Brinker’s Marketimer. Robert Brinker is an American radio host and financial advisor. He publishes his monthly investment newsletter, Marketimer, which covers a wide range of resources, including specific mutual fund recommendations, Federal Reserve policy, stock market timing, and model portfolios for different objectives.The '4% rule' just changed. It’s been more than 25 years since Bill Bengen, a financial adviser in southern California, created the so-called “4% rule.”. That’s the principle that if you ...Feb 2, 2022 · Bob Brinker has always maintained a personal life. He has not revealed the names of his family members. As per news sources, he is married and has three grown-up children. His son Robert M Brinker goes by the name of Bob Brinker, Jr. Brinker currently lives with his family in Henderson, Nevada. He also maintains a residence in Cocoa Beach, Florida. Re: Bob Brinker's newsletter Market Timer is shutting down. by Jazz4cash » Sun Nov 19, 2023 1:52 pm. I learned so much from listening to Bob from about 1988 to the late 90’s. Most of that time the signal was coming from 3 hours away. This was prior to streaming on the internet and Moneytalk On Demand did not exist.Is Bob Brinker still inthe timer business? He got a couple of years of my bucks and, in exchange, I got screwed for following the QQQ call (mentioned here a ...Read full review ». “Bob Brinker Money Talk was an excellent source of wisdom and common sense financial investing advice. I have tried and failed to find any other show that is even close. Why is this so hard - the sharks are out there circling the boat.Bob Brinker is retiring, and with it comes the end of Moneytalk. The final program is Sunday Sept 30 4-7PM EDT. Brinker gave a lot of good advice on the program over the 32 year run and had Mr. Bogle as a guest at least once. The only thing I disagreed with Bob about was his belief in Marketiming.Read full review ». “Bob Brinker Money Talk was an excellent source of wisdom and common sense financial investing advice. I have tried and failed to find any other show that is even close. Why is this so hard - the sharks are out there circling the boat.Like many others, I learned a lot from Bob Brinker. No-load mutual funds, broad indexes vs individual stocks (mostly) 'stay the course", avoid the "Shark Attack". Subscribed for a few years, but ended up in the buy and hold camp, so didn't see the value at that point.-ERD50Yep, I remember megacorp riddled with hucksters, advising to buy many products, annuities, funds that did not work out well for us. We were young and naive. That was back in the early 90s. We started listening to Bob Brinker on the radio. We changed our direction to S & P and total stock market mutual funds with low expense fees."The Retirement Advisor" Newsletter, Stock Market Commentary, Interpretation of Moneytalk (Bob Brinker Host), Financial Education, Helpful Links and Guest Editorials. Conservative Retirement Portfolios. FREE => Get your SAMPLE Issue Today <== FREE. NEW! => January 2013 ExcerptsBob Brinker's Active / Passive portfolio performance for 2010 was + 16.0%. VFINX ( Vanguard Investor class 500 Index fund ) performance for 2010 was + 14.91%. Bob Brinker's Model III balanced portfolio evenly divided between equities and fixed income securities performance for 2010 was + 13.0%. Bob Brinker's web site also lists his 5 , 10 , 15 ...Jun 14, 2019 · I've listened to Bob Brinker since 1989 and will always be a huge fan and admirer and wish to express my gratitude to this gentleman for his education to nov... After our initial review of Bob Brinker’s stock market forecasting record, Kirk Lindstrom of Kirk’s Market Thoughts wrote (on 7/26/05) to offer the following additional information:. There is a”Detailed Summary of Bob Brinker’s QQQQ Advice” at “Bob Brinker Fan Club” providing additional information on Mr. Brinker’s call for a significant …August 31, 2015 •. Bob Brinker, Jr. The Brinker Fixed Income Advisor monthly investment letter covers a variety of fixed-income related topics including U.S. Treasuries, certificates of deposit, municipal bonds, no-load mutual funds and exchange traded funds. The investment letter also includes fixed income model portfolios for Aggressive ..."Bob Brinker, editor of Bob Brinker’s Marketimer — recommends that the average duration of your bond holdings be no longer than just 13 months. The four short-term bond funds he recommends are the DoubleLine Low Duration Fund DBLSX, with a 0.72% expense ratio, or $72 per $10,000 invested; the Fidelity Floating Rate High …Just a few years ago, retiring on cryptocurrency didn’t seem like a plausible possibility. Cryptocurrency retirement accounts are similar to their non-crypto counterparts — at leas...July 20, 2012. ·. Bob Brinker, Jr. Robert M. Brinker has been the editor and publisher of the Brinker Fixed Income Advisor since the inaugural issue in April 2005. Mr. Brinker earned his Bachelor of Science in Business Administration from Old Dominion University. He then went on to earn his Master of Science in Information Systems from the ...Yep, I remember megacorp riddled with hucksters, advising to buy many products, annuities, funds that did not work out well for us. We were young and naive. That was back in the early 90s. We started listening to Bob Brinker on the radio. We changed our direction to S & P and total stock market mutual funds with low expense fees.

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bob brinker retirement

This portfolio is best suited to investors nearing or already enjoying a retirement lifestyle. Active/Passive Portfolio follows the long-term asset allocation guidelines of the Bob Brinker timing model ©, and invests USA equity allocations in the Vanguard Total Stock Market Index (VTSMX) which follows the Wilshire 5000 Index.Jan 15, 2021 ... In the above referenced WSJ article, Hulbert calls out Bob Brinker's Market Timer. Brinker successfully counseled his readers when to sell their ...Reggae music is a genre that has captivated audiences worldwide with its infectious rhythms, soulful melodies, and powerful messages. One artist who played a pivotal role in popula...‎Show Money Talk with Bob Brinker, Ep Money Talk 3/4/18 - Mar 5, 2018Bob Brinker. Program Guide. Share on Facebook. Share on Twitter. Share on Google plus. you might also like. John Batchelor. 860 AM.I've listened to Bob Brinker since 1989 and will always be a huge fan and admirer and wish to express my gratitude to this gentleman for his education to nov...significantly underweighted the stock market daily, i retire early prepayments increase or by bob has been given that. Even if the brinker recommended funds by bond bob recommendations and helped push down arrows to. Federated advisory services, bonds at cantor fitzgerald, i had an asset. During the fund by segregating assets of the time, includingI followed Bob's advice and it has ruined what should have been a wonderful retirement for me and my wife. We bought in at 82. What REALLY is unforgivable is that Brinker had NO EXIT STRATEGY for ...Angela "Angie" Marie Brinker, 88, was a loving wife, mother, grandmother, and friend. She died Tuesday, July 20, 2022 after a lengthy illness at St. Anthony Nursing Home in Carroll, surrounded by herBob Brinker just called it quits! Marketimer is gone! rmcelwee; Jun 20, 2023; FIRE and Money; 2 3 4. Replies 76 Views 21K. Jul 12, 2023. Chuckanut. E. issue with 2022 tax filing. ER_Hopeful; Feb 25, 2024; FIRE and Money; Replies 8 Views 635. Mar 4, 2024. cathy63. C. F. taxes, what would you do? frank; Mar 16, 2024; FIRE and Money; …Some furniture sold at Bob’s Discount Furniture is made in the United States, while other items, such as the Bob-O-Pedic mattresses, are made in China. Bob’s Discount Furniture was...Robert John Brinker (born circa 1941) is an American financial advisor and radio host. From 1986 to 2018, Brinker hosted the syndicated financial radio show Moneytalk. He previously had a show on local New York radio on WMCA. Prior to that Brinker hosted talk radio programs on WCAU (now WPHT) and … See moreA Solution for Retirement Brokerage Window Assets Brinker Capital has an option available for plans that utilize Fidelity BrokerageLink, which allow you to broaden your reach and access retirement assets that tend to remain invested over the long-term via continuous contributions. When you choose to utilizeReggae music is a genre that has captivated audiences worldwide with its infectious rhythms, soulful melodies, and powerful messages. One artist who played a pivotal role in popula...Feb 22, 2005 · Bob Brinker's Marketimer is in fourth place. Although Brinker's fund picks have slightly lagged the market on average, his timing moves have put him ahead of the market. Bob Brinker taught details of what market reports impact the stock market, tax law (he introduced me to the "back door" Roth IRA back in 2006, you couldn't actually do it until 2010, and it didn't have a nifty name, its was just the Bush Tax law change that took the income cap off Roth conversions. I also remember he was huge on IBonds.Bob Barker. Robert William Barker (December 12, 1923 – August 26, 2023) was an American media personality and animal rights advocate. He hosted CBS 's The Price Is Right, the longest-running game show in North American television history, from 1972 to 2007. Barker also hosted Truth or Consequences from 1956 to 1975.Article: Best Retirement Newsletter Disclaimer: This blog is neither sanctioned by, nor written under the auspices of ABC Radio Networks, Moneytalk or Bob Brinker. This blog is not a substitute for listening to Moneytalk, it is only my interpretation and commentary of some of what is discussed on Moneytalk, along with additional …bobbrinker.com exists to assist the individual investor to guide them to the land of critical mass. This is the place in your life where money is no longer ....

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