TRANSCRIPT FOR THE MARCH 5, 2016 “ON THE MONEY” SHOW

Hosts: Judi Sanborn, CFP®, AIF® and Joe Bert, CFP®, AIF®

It is an Ask the Experts Saturday morning on news 965 WDBO and this is On the Money brought to you by central Florida oldest and largest, independent firm of Certified Financial Planning professionals. That being the Certified Financial Group in Altamonte Springs.

Where they are planning tomorrow.

Today.

That’s it.

With us today we have two of the 12 professionals with the Certified Financial Group. We have Judi Sanborn back with us. Hi Judi.

Good morning.

And Joe Bert, the Oracle of Orlando is back in the studio.

Good morning.

How are you sir?

A lot better than I was two weeks ago. I’ll tell you that flu is still going around.

It is.

Two words, flu shot.

Might be a little late.

Joe, in case anybody may be new to the program what’s it all about.

Well Judy and I are here this morning to take any calls that might be on your mind regarding your personal finances, day in and day out Monday through Friday we work with clients showing them what they need to do to get ready for that ultimate day when the paychecks stop and they need to start living on their Social Security and whatever they’ve been able to accumulate. Unfortunately they never teach this stuff in school. We go through life trying some of this, trying some of that, reading Money magazine, watching television, listening to people on Saturday mornings on the radio and kind of hope it all comes together. Only to find out that we are not ready. So we are here to answer those questions and as I say on Monday through Friday we do that for a fee, but on Saturday morning we do that for free. So if you have any questions regarding your personal finances as they relate to stocks and bonds and mutual funds and real estate and long-term health care and IRAs and 401(k)s and annuities and life insurance and reverse mortgages and anything else like that we are here. The good news for you is all you have to do is pick up the phone and dial —

844-220-0965, 844-220-0965. And I’m just logging onto our text board here and you can text us, send us a short text via your cell phone here. You can do that. Here’s the number 21232, 21232. If you want your voice heard you can use the open mic, you’ll find that on the news 965 app. Some of the things that we are going to talk about today are seven birthdays you’ll either love or hate. I love these.

There you go.

They’re fun and my birthday is coming up. That’s what —

Wait a minute, wait a minute, wait a minute where are you.

Look at these. Oh I’m not telling you where I am in this birthday line up.

Judy could you do me a favor, could you pull your microphone a little closer to you.

Yes.

There you go.

You sound a little bit better when you — there you go.

Does that work?

Yeah.

Alright. Much better. And the worst investing mistakes that anybody can make, especially in this volatile market.

Yes and that kind of ties into this weeks must read on our website. I was looking at it, it’s 11 Ways To Go Broke In Retirement. It was very similar to these investing mistakes.

Yes what are they. Tell us.

The 11 ways or my investing mistakes?

Well either one.

Sounds interesting.

Tell me any of them.

Well to begin with first of all I think it’d be interesting, we are talking about birthdays and the seven year birthday of the bull market is on March 9th, this year. Which happens to be my birthday.

Is that right, March 9th?

Correct.

I remember that day well. March 9, 2009 when the S&P 500 hit its recent low.

Exactly, exactly. So there is obviously a lot of speculation as to whether this is the beginning of a prolonged bear market or the continuation of a bull market, or something in between.

There you go.

I think the bottom line is that everybody needs to remember is no one knows. There is lots of speculation. So we need to take a deep breath and remember the following. The stock market has yielded an average of 8% to 10% returns annually over the last 114 years. In 2013 the Dow gained 30% so we were all very excited right?

Yep.

Last year it lost 2.2%.

Yep.

We were not so happy. So it is volatile. So here are some of the biggest mistakes that people make. We panic sell. I thought this was kind of interesting that I read. Three centuries ago Isaac Newton lost a fortune in a <Inaudible> company stock collapse. Here’s what he said when this happened. I can calculate the movement of the stars, but not the madness of men.

That’s what it is.

That’s what it is. Exactly. So a motion is your worst enemy.

There is no question about that. There has been a lot of studies, you probably read them as well, where people that are trying to do this generally on their own that don’t have any guidance believe they follow the pack.

Right.

They sell low and buy high.

Yep. Exactly.

They do it backwards.

Exactly and I had a client who was very very nervous and asked me to take the money out of the market and then go back in when I thought it was going back up. I was like well if I knew that I wouldn’t be working at CFG. So I think that that is a danger, we all get caught up in it. I’ve actually even told my clients when we hear all of the concerns that are raised as advisors, we sort of periodically doubt what we are doing as well. But we have to remind ourselves —

Because we are human too.

Exactly. We have to be the objective voice for our clients. So here is one thing that bull and bear markets all have in common, they always come to an end.

That’s correct.

Just when we think they will never come to the end, and this time it’s different, it happens. So that’s something that we need to remember. So you have to keep your eye on your long-term plan and that’s something that we have emphasized in our group always.

You know I think it’s human nature Judy. When you think about planning and long-term unfortunately today it is instant. We want it to happen now, we want instant on television, we have microwaves, we have microwave popcorn. We have all the stuff we want, instant gratification. If we are not seeing it fast enough we lose sight of the 10, 20, 30 year horizon.

Yes.

Focused on today, focused on this week, maybe this month, even this year without the long-term — and that’s where most people fail. Because they don’t think long-term. You’ve got to think the rest of your life, not right?

Part of the issue with that is, and this is one of the mistakes we make we get sucked into the 24 hour news cycle.

New cycle. Yes ma’am.

So our information is instantaneous and we don’t step back and take time to evaluate it and make the decisions about it. We react, everybody reacts.

I know outside the Wall Street Exchange there is a big bronze bull bearing down, am I the only one who forgets what the bull and the bear market means.

Perhaps. The bull market is when the market is going up, and the bear market is when the market is going down. The way you remember that is just think — get a picture — you’ve seen a picture of the bear and the bull fighting okay? The bull when it charges it charges from below and raises his head up to get you with the horns. So the bull is going up. As opposed to a bear who is on his back paws, and he’s beating you down. So the bear is down and the bull is up. That’s the way you remember that.

Gotcha. Thank you.

There you are.

I’ve got an important — let me give you the numbers again because folks are a little slow today on calling us. If you’ve ever wanted to talk to Joe Burt and Judy Sandborn now is your chance. Here’s the number 844-220-0965, 844-220-0965. Here is a listener question. I just inherit a Roth IRA from my father, he told me that one of the benefits of a Roth was that he didn’t have to take a required minimum distribution. Does that hold true for me as well?

I think this is a very important question and after a couple of weeks ago when this came up I’ve had a couple of other people bring it up. People are under the misunderstanding that if you inherit a Roth that you still do not have to take a required minimum distribution. The owner of the Roth is the only one who doesn’t have to take a required minimum distribution. So if you’re a beneficiary and you’ve inherited this Roth, you have to take a required minimum distribution based on your life expectancy.

Yes. Yes.

But the distribution will be tax free.

Yes.

So that’s the clarification, I think that’s really important.

I don’t know if you saw this in fact Roger sent this to me. The e-mail — he sent to all the planners. There was an article in the February 11th issue of the Wall Street Journal about some of the tax proposals. We’ve talked about this in the past.

Right.

Where they are talking about the inherited IRA, where if you inherit it you will no longer be able to do the stretch. You have to empty the account within five years and pay all the taxes. That’s one of the upcoming proposals. So times change. As we said in the past anytime congress is in session, your money is in jeopardy and they are looking for more tax revenue. This may be one of those things.

Right. And one of the things I tell my clients who bring that information to me is we really can only make decisions based on what we know today.

Yep.

Because if we make decisions in anticipation that something is going to change, it might not change for 10 years and we may have not made a very good decision.

Exactly.

9:16 on news 965 WDBO. Coming up in just about four minutes from now Dave Wall in the news center. He’ll have an update on what’s going on today. Of course the big story is Donald Trump coming to town, he’s going to be speaking at UCF. I’m sure the protestors are already gathering. Harry is in Longwood I think. Harry, good morning.

Good morning.

Good morning Harry.

Good morning.

How can we help you? Thanks for calling.

Go Cruz.

Yeah. Anyway.

Basically getting ready for retirement, my wife and I are both 63. We are wondering if we are going to miss on her, she doesn’t have a big Social Security but she does have availability to get it right now if we wanted to, since 62, or 62 they say. But the question is, and I’ve heard you guys before say wait and make the 8% a year, all that. But is there some way, somebody was telling me to go ahead and file restricted on hers right now, to where she’ll still get some money and I’ll get money based on hers. And then mine would still grow?

What you are talking about is what they changed the rules back in October Harry. That’s where you file a restricted application and you do what’s called a file and suspend. Now for our listeners that may want to take advantage of this the window is closing. In order to get that real nice benefit one party has to have been 66 by May 1st, and the other spouse will have to have been 62 by December 31st —

Of last year.

Of last year, yeah. Definitely. You have to file for this by April 29th. So it is one of those situations. The best thing to do Harry is to give our office a call. What you want to really do because you are getting to that point in life where you are 63 years old where you want to plan for your future. You’ve got 30 years in front of you that we have to plan for, that you really want to get — have some planning done. Because once you start on that path called retirement you’ve got to know where you are going. Trying to do this on the back of the envelope, back of the envelope just doesn’t work. So give our office a call and we’d be glad to talk to you. We do offer complimentary consultation, we charge a fee for our services and I think you’ll find the fee is more than reasonable. I wish you well in retirement. Thanks for the call.

Okay. Coming up on news time here on news 965 WDBO. We’ve got George on the line. Standby George we’ll get to you and give you some good advice I’m sure as well. In the studio Joe Burt, the Oracle of Orlando, along with Judy Sandborn standing by for your phone call. Here is the number in the studio, it’s 844-220-0965 or send us a short text at 21232, 21232. During the week if somebody wanted to call the office how would they do that?

They can call us at 407-869-9800, or go to our website www.financialgroup.com and there is a link that you can click on and request a complimentary consultation. If you would like to contact us that way.

Speaking of the website when we come back from the news we’ll tell you about some workshops that are coming up. You can find out all about them at the website. They are complimentary as well and you don’t want to miss this upcoming Social Security workshop.

This hour was paid for by the host and does not reflect the opinion of news 965.

It’s an Ask the Experts weekend here on news 965 WDBO. This is On the Money brought to you by the Certified Financial Group in — give a listen to this just for a second. Who is that?

Billy Joel, baby.

Why am I playing this?

That’s because on May 7th once again the Certified Financial Group is a proud sponsor of the annual concert at the springs with the Orlando Philharmonic Orchestra. We’re bringing in a tribute band, going to do the music of Billy Joel and Elton John. It’s going to be a wonderful night around the springs. They put the orchestra out there on the water, in the lights <Background Noise>. People bring their blankets and adult beverages and just kick back and relax, it’s going to be a great night, hope to see you there. If you want more information tickets are on sale right now. You have to go to Orlandophil.org, that’s Orlandophil.org. They have a special going on, a four pack of tickets for a real sweet price. But you’ve got to get your tickets now because it is selling out quickly. I understand — in fact I had a report yesterday that the tickets are 50% ahead of where they were last year at this time.

Wow.

So it’s going to be a great show.

Should be a lot of fun.

We how to see you there.

May 7th. Saturday night at the Springs Community in Longwood.

Alright find more about it online at the website.

Yep.

Yes.

Financialgroup.com.

Actually it’s Orlando — you want to go to orlandophil.org.

You ought to put a link on your website.

Yeah in fact I thought about that on the way down. Get Joan working on that on Monday.

Lets talk to George. Good morning George.

Hi George.

Good morning.

Good morning.

Okay required minimum distribution on your IRA at age 70 and a half. This is my year and I already did it. But my question is, is that kind of unfair for them to make you take that money out, that ain’t going to be growing interest.

Well let me ask you George have you ever paid taxes on that money in the past?

No. Okay. There’s your answer.

Yeah whenever you withdrawal some.

Well correct. Whenever you withdrawal some. But the reason that there is a required minimum distribution is for most of us, unless you have withdrawn from your IRA in though past we have not yet paid taxes on that. So the government is going to look at that and say well at some point we want part of the taxes on that money. So they start requiring you to take that distribution based on your life expectancy, that’s how it’s calculated, and the market value of your account on December 31st of the prior year. You have to take that minimum out.

Right.

Now the beauty right now is that if something happens to you and you haven’t depleted that IRA than your beneficiaries will have the opportunity to roll it into their own inherited IRA and take required minimum distributions based on their life expectancy.

Do they take into consideration if you have a history of having — well taken money out from the IRA?

No. No because you have to take that out over your lifetime as Judy said. Then when you pass on you leave it to your beneficiaries and then they can do what we call a stretch. The important thing there is that they need to set up what’s called a beneficiary or an inherited IRA. They can’t roll it into their IRA. That’s a big no, no. Some people do that and you’ve got all kind of problems. You have to have a separate IRA called an inherited IRA.

I think the other aspect of that is if your beneficiaries take a lump sum payment they are going to have to pay taxes on 100%, ordinary income tax on that lump sum.

Wow.

So if you have beneficiaries it behooves you to educate them so that if in fact they inherit it they’ll know that it’s not a good option to take a lump sum necessarily.

So they would have to establish their own IRA or what?

Correct. They have to establish what’s called a beneficiary IRA or an inherited IRA. That preserves the tax deferred nature of that money.

Oh okay.

Okay thank you much.

Alright thank you.

Thanks for the call.

Alright we appreciate it. Ilene can you hang on?

Sure.

Okay Ilene has a very important question she’s going to ask. I’m sure this affects a lot of folks. But we’ve got to get to the news room. If you want to join us here is the number 844-220-0965, 220-0965. Or text us at 21232. We have Joe Burt in the studio along with Judy Sandborn from the Certified Financial Group. Like Joe said earlier we are planning tomorrow —

Today.

9:36 on news 965 WDBO. Don’t forget go to the website and you can find out how you can join Joe and Judy at the springs concert. Enjoy the music of Elton John and Billy Joel. I bet you guys can’t wait.

I’m looking forward to it.

Yeah we are.

This event, this will be the fifth year we’ve done it and always get a nice crowd and the weather has been great and let me tap on the wood here. Should be a wonderful evening.

Go to orlandophil.org for information.

Last year you had tributes to a couple of bands,

The Eagles, the Eagles was last year.

Oh no that’s right.

Eagle tribute.

That was, how’dfinancialgroup.com that turn out?
Rocking baby.

Wonderful.

People are still talking about it.

That’s probably why the tickets are selling out so fast. You’ve got to get to the website right now, orlandophil.org, right.

That’s it.

Okay. Let’s go — by the way, I’m sorry, I got so excited by the music and the event, I forgot to tell you that this On the Money brought to you by the Certified Financial Group, and in the studio we have Joe Bert, the Oracle of Orlando, along with Judy Sandborn. Judy and Joe are both certified financial planning professionals with the Certified Financial Group, and they’re here to answer your calls as they have been for like 25 years now. So here’s the telephone number: 844-220-0965. Joe, what kind of calls do you take.

Once again, Judy and I are here to answer any questions that you might have regarding your personal finances. As we see time and time again with clients that come and see us, that we go through life trying some of this, trying some of that, kind of hope it all comes together, and then all of a sudden we’re facing retirement and what are we going to live on, because Social Security in and of itself is not a lifestyle, Social Security is a safety net. So it’s whatever you’ve been able to accumulate and save during your lifetime will provide you retirement income. So we’re here to answer questions that you might have regarding stocks and bonds and mutual funds and real estate and long-term healthcare, IRAs, annuities, life insurance, reverse mortgages, all that and more. We’re here to take your call. The good news for you, we have a couple of lines open. All you have to do is pick up the phone and dial these magic numbers.

Amen. 844-220-0965. 844-220-0965. That’ll put you through to Joe and Judy. Let’s talk to George. Good morning George. Oh, I’m sorry, Eileen.

Good morning Eileen, thanks for hanging on and thanks for the call.

Good morning.

How can we help you.

I’m 59 and within the next year or so I will retire. I have over 500,000 in my retirement account, and I have a mortgage of 100,000, and my interest when I get my taxes this year, the interest on my mortgage payment was like $5,000. I just barely made $9,000 deductible for the taxes filings. My question is I’m getting mixed information as to if I should pay off my mortgage.

Okay, I have a question for you, Eileen. Where would you get the money to pay off your mortgage if you chose to do that.

Out of my retirement account, once I shift it over to an account, and then I will take the 100,000 and pay the mortgage off, and then <Inaudible> be happy in retirement.

Okay, well here’s what you really have to consider in doing that. If you took $100,000 out of your retirement account, that’s 100% taxable to you as ordinary income. You have to weigh whether that’s worth, which I would say that’s not worth it to you.

Eileen, let me give you some numbers here. Taking $100,000 based on what you told me about your taxes, like Judy said you take that $100,000 out, it’s immediately taxable to you. That’s going to be taxable about a 25% rate, so in order for you to end up with $100,000 to send to the mortgage company, you’ve got to withdraw $133,000 out of your IRA. It’s going to cost you $33,000 to end up with $100,000. Let me ask you this: if you saw your retirement account drop by 33% or in your case $165,000, how would you feel tomorrow morning.

I would be very upset, because when the market dropped in 2008 I think I lost like 250,000. I understand about losing this in the account.

This is an automatic loss for you. This is an automatic guaranteed loss by taking the money out of your retirement account to pay off the mortgage. Even though you can’t get the deduction anymore for the interest, it still makes sense probably not to pay off the mortgage.

Right. I’d say I would encourage you to look at some ways perhaps that you could pay off your mortgage sooner. You could pay an additional principal payment. There are some things that you might do so that you could not have a mortgage too far into retirement.

Also, depending on what your income situation is in the future, you could take out less amount and pay it off over four, five, six, seven years instead of taking out the $100,000 with a lump sum, and instead of being taxed at a 25% tax rate you may be taxed at a 15% rate. But nevertheless, you’re still going to have to pay taxes on that, and that’s not something that — how many more years do you have to go on your mortgage, Eileen.

I think it’s — I’ll be done in 2041.

2041, so you’ve got another twenty <Inaudible> — you’re early on in this road.

Yeah, so I would just encourage you to look at some other ways that wouldn’t create such a tax liability for you to accomplish what you would like to accomplish.

Alright. Thank you so very much.

Thank you for the call, Eileen.

Alright, and you can join us as well. Here’s the telephone number, it’s 844-220-0965. 844-220-0965. Let’s talk to John in New Smyrna, Beach. Good morning, John.

Top of the morning to you, what a beautiful day. I’m 85 and I have a little maybe 75,000 or so to invest, and I would like the names of some dividend funds that are primarily dividend paying funds, if you think that’s a good idea for me to do in my time of life.

Well, it may or may not be.

I think it’s very difficult for us to tell you a specific fund or even encourage you to invest in a dividend paying fund when we don’t know anything about you. It kind of goes back to what we were talking about a little earlier in the program about the worst investing mistakes we can make. One of them is to listen to all of the news media and read all these articles in the newspaper advocating some investment strategy that’s going to make you 10%. Well, that might be a good investment, but it might not be a good investment for you. So it’s really important to take into consideration your whole financial situation before you start making decisions about where you should be investing your money.

Well, I don’t want to be a hog because hogs get slaughtered but pigs get fed. I’d rather be a pig.

There you go. I understand.

If you would like to call the office, we can talk to you a little bit more and get some other information and perhaps guide you.

Alright, what is your office number.

It’s 407-869-9800, or 1-800-EXECUTE, like you’re executing a document.

Right, okay. Alright.

Well, give Judy a call on Monday and she’ll be able to help you.

Alright, we appreciate the call, sir. Thank you. It’s 9:45, quarter until 10:00 on News 96.5, WBDO. Dave Wall is in the news center coming up in five minutes, more on today’s top story. Of course it’s Donald Trump is in town today, he’ll be giving a speech at 2:30 at UCF. We will carry the speech live. Thousands and thousands of Trump supporters are gathering right now on UCF campus. I don’t know if it’s tickets or what. Do you know anything about it, you guys.

I don’t have a clue.

Don’t have a clue.

I’m sure if you go to his website you’ll get information.

Or maybe Dave will have some coming up. Alright, let’s go to Winter Garden and talk to Jim about required minimum distributions. Good morning, Jim.

Good morning. Really enjoy your show.

Thank you very much.

Very good. Concerning RMDs, we are into our second year of taking those, and my wife and I, our IRAs are invested in all kinds of ETFs, it’s a mixed portfolio. My question is like when you are taking an RMD and let’s say the market is down on the day that it’s withdrawn, whatever, is it best to be in funds like that or in some other kind of investments. I’m thinking about I’ve heard it said that you cannibalize your principal, or you can when you take money out when things — when the market dipped.

Yes, but you can’t market time, number one. We all know that when you — well maybe we don’t all know, but that’s one of my birthdays that I was going to talk about, at age 70 and a half we’re required to take a minimum distribution from our IRA. When you take that distribution, you can take it any time within the year that you reach 70 and a half and into the future. It’s really just a matter of your planning, and we don’t know if the market’s going to be up at the end of the year, to leave it in there to the end of the year. So I have my clients ask me that question, and I tell them that if they need the money, we should just take it. That’s number one. If they don’t need it right away, perhaps they can wait but there’s no guarantee that the market’s going to be up towards the end of the year, it could be down. Then you need to look at your portfolio along with perhaps your advisor and see maybe there have been gains in your portfolio, so you can sell some of the investments that have gains, and then you won’t feel as if you’re selling something with a loss, because if you’ve had your portfolio long enough, even though in the short-term we’ve had a downturn, many of your investments could have a gain. So that’s something to look at.

Okay. I think the way I’m invested, I don’t know if I have any control over where they take the money, from what funds, maybe some are up, some are down. It’s just <Inaudible> I don’t know if I should name the company, but it’s just their managed portfolio.

And that’s automatic, you tell them that you want to take it?

Well, they should be doing that. If they’re not doing that, they should be doing that, particularly if you’re paying all the fee, because that’s what you’re paying them for.

Okay, so I just need to talk to them more explicitly about how they’re actually doing that. As far as it being in funds as opposed to just saying owning a portfolio of stock funds or just pure stocks, is any difference there on —

No, that’s really no difference because if you’re in a stock mutual fund it could go up or down, if you’re in a bond mutual fund it could go up or down, if you’re in exchange-traded funds it could go up or down.

But to put your mind at ease, you and 99.9% of our listeners this morning are better off in funds than in individual stocks. Funds aren’t as exciting as watching your individual stocks go up and down, you know the companies, but I will tell you that you have tremendously a lot more risk in an individual stock portfolio than you do with a professionally managed portfolio of mutual funds. So you’re on the right track there, Jim.

Okay, well thank you so much.

You’re welcome. Thanks for listening.

And you can join us as well. The number is 844-220-0965. Once again, it’s Joe Bert and Judy Sandborn from the Certified Financial Group. It’s an Ask the Expert Saturday morning and this is On the Money, and we’re having fun listening to Billy Joel. This is worth the price of admission right here.

I’m telling you, I can’t wait to see that program with the full <Inaudible> the Orlando Philharmonic Orchestra backing up the music of Billy Joel and Elton John May the 5th at the Springs Community in Longwood.

It’s the 7th.

That’s right, 5, 7.

You’re having a hard time with those dates.

Thank you Judy, you’re right, May the 7th, Saturday evening. For more information go to orlandophil.org, orlandophil.org. They’ve got a special on right now on a four pack, love to see you there.

What does the Phil wear. They don’t formalize, do they, they don’t come in tuxes do they.

They wear white — yes, black slacks and white shirts. No, but it’s an informal evening for the attendees, so bring your blanket, bring your adult beverage, bring your cooler, and enjoy a wonderful evening under the stars with some great music.

Cool. Hey, don’t forget coming up right after the news at the top of the hour, it’s Florida Homes and Gardens. Today, Orlando’s favorite plumbers at Benjamin Franklin Plumbing and new designs for kitchens and baths in 2016 with SNW Kitchens. Let’s talk to Susan in The Villages.

Good morning, Susan.

Good morning to you all.

Thank you for calling.

Well, you had a few discussions regarding RMDs, and I have the most frustrating problems of all the callers thus far. My birthday making me 70 is September 2015, therefore I know enough that I have to complete a form for an RMD. I don’t know if you’ll object but I’m totally frustrated, so I’ll tell you the company is Equitable. I was with a very young efficient lady at the time since 1987. She like I has retired, and so when I called the first call, I asked for forms for RMD, and the totally inefficient man gave me a form to withdraw my entire RMD. When I called the second time I spoke to a lady who told me that she would be sending me the correct form. She at least agreed with me that it was the wrong form. She sent me the second form and every place <?> asked for a certificate number. I have a contract number, so I diligently crossed out certificate, put contract to be sure it indicated the right type of TSA, and it had me choose that I’m not <Inaudible> this year December, I’m <Inaudible> December or next December. That’s not my choice. My choice is March, which I understand would be the time that I would be allowed at 70 and a half. When I got no answer from sending in the form the first time, the second time I faxed it. That was two weeks ago and I specifically put on the cover sheet please call me and let me know if there are any problems or questions. To date I have not heard from them, and I feel like I’m banging my head against the wall, because sure enough I started this project the end of January, and here it is March and I don’t think I’m getting anywhere. Is there someone I could turn to.

Susan, what can we do for you.

Can you tell me if there’s a governmental agency or somebody I could —

No

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