Hosts: Nancy Hecht, CFP®, AIF® and Aaron Bert, CFP®, AIF®
Well good Saturday morning to you everybody, it is 6/17/17. You’ve got the experts on your radio today, Aaron Bert, Nancy Hecht, from the Certified Financial Group. It is On The Money, Saturday every Saturday at 9:00am right here on News 96.5 WDBO. How are you guys this morning?
We are doing great. How are you doing?
Not too bad. What can the audience call you about today?
We are here to talk about anything having to do really with your personal finances, usually focusing around retirement. So we can answer questions about retirement, mutual funds, stocks, bonds, real estate, annuities, long-term care, Social Security, real estate, all that and more. And as Joe likes to say when he sits in this chair Monday through Friday, we do this for a fee, but on Saturday morning we are here doing this for free. So we will answer any questions. And fortunately for you, the lines are wide open and they can give us a call at —
844-220-0965! 844-220-0965! We also have our text machine up and running as well, 21232. Anything, 401k, 403b, minimum required distribution, all that —
<Inaudible>
Absolutely! I get to — now that I take some notes and know what everybody is calling about, I can pull out the most common questions we get on the show and we always like to kick it off with a conversation and everybody knows that tomorrow is Father’s Day, and Nancy Hick’s got some information for us. I believe it was the —
Financial wisdom <?> we learn from our fathers.
Right, so I’ve polled the Facebook world for what kind of advice they got from their dads, and I got a ton of responses. Thank you everybody! So obviously, I can’t share them all, but just to start like with my own family, myself and my siblings, we were all in our early to mid-20s when my dad passed away, which — the point at which you would really want to get the advice, so sadly it wasn’t available to us. My father-in-law, one of his big pieces of advice was don’t buy other people’s dreams which I thought was good advice. A lot of dads told their kids to pay themselves first, which is a great thing. One of my school friends, her dad said save 10%, tithe 10%, budget the rest and live within your means. A lot of don’t spend more than you can afford and pay off your credit cards. One of my childhood friends said my dad taught me that I am my first bill, and then her dad said did I say that?
Hahahaha.
That was really funny. One of my girlfriends said that she wants something and she would ask her dad how much is it, and his response was always it’s more than you’ve got in your pig. And it taught her that if she has to decide if something was a want or if something was a need. If it was a want, that she should buy it, and if it was a need — then it really wasn’t necessary. And if you don’t have the cash for it you don’t get it.
Wait, wait, wait. It was want?
If it’s a want, you get it — I mean if it’s a need you get it. If it’s a want you don’t. I’m sorry.
Okay.
I’m sorry.
I’m like wait, wait what?
Really.
You know what, let me <Inaudible> I’m still trying to re acclimate to the real world after being at the beach.
No, no, we just want to make sure we didn’t say something we didn’t really mean.
Yeah, well and that’s something I had told my daughter, when you’re shopping you go to the back of the store first, where everything is on sale, and work your way to the front and is it a want or is it a need. And if it’s a need then that’s where you go.
Those big fancy displays are in the front of the store for a reason.
Right. Always put away a minimum of 5%, preferably 10% from your salary if you can do that. Don’t lend or borrow from family. This girl’s dad was a real stickler about this one, says it always ends up in trouble.
Yeah.
Yeah.
So many things can go sour.
Yeah.
And you don’t want to do that with family.
Yeah, so and another friend said if she wants, even though her parents were financially able to get her whatever she wanted, had also <?> the discussion about a want versus a need and always had — the parents always had veto power over things that were unnecessary.
Interesting.
Yeah, so there’s a lot of really good advice from people here. Never buy anything you can’t pay for now, live off of a written budget, pay as you go.
Yeah, absolutely. Most people don’t physically watch the cash leave their wallet or purses and then watch that wad get smaller, and smaller, and smaller. It’s all virtual. Just swipe a card and it’s easy.
Yes, and that’s a problem I have seen with my daughter in forward <?>. For us, we had checking accounts, we had paychecks. She had to — money was real, and now it is as you just said.
It’s all virtual.
It’s a picture on the screen and doesn’t mean as much.
Actually, we get that a lot with new prospects or clients that come into our office when we do personal financial planning with them. One of the things we go through is — it’s not budgeting, but we have this form. We call it the blue form, and it’s a personal expense form that we give to them and we give it to them so we can find out what their lifestyle is, because when we do personal financial planning, we look at money coming in and we look at money going out and that kind of gives us an idea of the money going out. And I can’t tell you the number of times that people have said to us, wow, that was a great exercise, I had no clue where all the money was going.
And the big difference in our expense summary is when people think of expenses they think of housing, they think of food, they think of their car maintenance and the utilities, and we have things on there like vacations, pet care, education —
For my bond <?>.
Yes, every little thing that you’re spending money on over regular periods of time is a two-column form with a lot of spaces.
Actually, in the past, we have offered that form out. If anyone is interested in getting that form, you can just drop us an e-mail at plan@financialgroup.com. Just put blue form in the subject line with some contact information so we can either mail you a hard copy or we can e-mail that to you if you’re interested in getting that form so you can go through and maybe get an idea and wrap your head around maybe where your money is going.
If you have a question for the panel, the number to dial us up is 844-220-0965. Text machine is up and running as well, 21232. If you have something your father taught you of financial wisdom, I’d like to hear some more of those today. 21232. I saw a stack <?> the other day now that we’re talking about this: College sophomores up until that point have never lived without a check card. Check cards were — came in — became <Inaudible>
Right, right.
So they were born in a world where check cards always existed. Yeah, I tried to get my daughter to keep some cash in her wallet for emergencies, some stash money. Especially this time of year, a conversation I have with my clients is how much cash do you have in your house, because if you lose power and a store has a generator and you can get there —
<Inaudible> Internet or connect to a credit card servers or anything like that.
If you have cash you can get stuff.
I was having that talk with my wife. The last hurricane, the first hurricane she had ever experienced, said we need to go to the bank and get cash. Said why. Said because if they don’t have power and they’re <Inaudible> generators, you can only buy with cash. And she goes yeah, that makes total sense and something I would have never thought of. Just another one of those things that you take for granted <Inaudible>
Water and cash.
Yes.
Is there anything like a personal budget plan software that you guys like to use or an app or anything like that that you recommend, that you like?
<Inaudible>
I personally used Quicken software that’s the desktop software on your computer and every day I download all my transactions. I download all my credit cards, I download all my checking, all my investments, my retirement plans, everything, categorize all my expenses. So every day I do that and I see what expenses are — what my expenses are. I do that for a couple of reasons. I do it, number one, to look for fraud, so if anything fishy comes across, I’m often texting my wife: hey honey, did you buy such and such at such and such, and then she’s like are you on Quicken again.
Oh yeah.
But she hates that I’m looking at that stuff. At the same time — because we have caught a couple of times fraudulent transactions <Inaudible> just because I’m on top of it every day. So I personally use Quicken and then it develops a budget for you. You can see where your money is going.
You’re worse than me. I do it about twice a month, the end of the month and the middle of the month. Bills that are due on the 15th and the bills that are due on the 1st.
Once you become a victim of identity theft —
That’s all it takes, just once.
Yeah, well, twice for me. Yeah, you’re on top of it every single day.
Wow.
I mean it’s just part of my daily routine. When I sit down at my computer at work I start up Quicken, I just run the download and then I start downloading all the other stuff that I do to —
<Inaudible> I use it as well and it’s pretty savvy, especially now you can direct connect to the bank and just refresh and just see in real time how much you spend.
Yeah.
I think a lot of people when they look at that pie <?> at the end and go man, I spent $1,400 on food in the past two months, we can cut that down to 900. There’s something there and that is a key. Now if I go and find the extra $500 and I said okay there’s my savings. What should I do with that? Put it aside? Put it away for retirement? I know CDs and savings accounts don’t return any more.
They don’t. However, you have to have an emergency fund, something that we talked about all the time. And it’s a discussion I have with every new client that I’m sitting with is what is your comfort zone for cash on hand. So once you figure out what that is, it doesn’t matter that checking, savings, money market is earning nothing. It’s cash. But if you are consistently having $500 extra, then yes, my first inclination would be to increase what you’re saving pre-tax, increase your payroll deducted retirement account. It’s — you can afford to put a little bit of the net in there but because you’re saving money in taxes as opposed to making after-tax contribution it’s not going to make that much of a difference in your spendable.
You can see that savings grow just by taking a pre-tax.
Exactly.
A lot of people can go on their company’s website and do it.
Yes, and you have time on your side because you’re a young guy and that will make a huge difference, even just an extra $50 a month will make a difference.
Well Nancy Hick and Aaron Burt are here in the studio, taking your questions you may have at 844-220-0965.
<Inaudible> my wife just texted me and said yeah, it’s annoying when I download my transactions every day and text asking her if she’s spending money on stuff.
Well, but I do that to my husband.
At least she listens.
It’s the nature of the beast. I do that to my wife all the time, like when I’ll sit in the computer and saying what did you spend this on, what did you spend this on, and she always has — then she comes in and said what are you looking at. So I think she’s interested in it, but I don’t really know if I’m annoying her with that or not.
Yeah, I don’t ask my husband what did you spend blank on. I say did you spend that much money.
That’s what I do. I don’t ask what she bought. I just make sure it’s a legitimate transaction.
I like to know what we’re spending it on, so if I just see a blanket $60 charge to Walmart, well that could be food, that could have been clothes, that could have been this, so that’s why I always ask. I’m that — I want to know between food, and clothes, and gifts, I want it down to the detail and what the purpose is. Like, no, we’re spending too much on gifts, we’re not doing that.
Okay.
844-220-0965 is the number to join us on the radio today, Nancy Hick, Aaron Burt, certified financial planners, Certified Financial Group. The text machine is up and running as well, 21232. We do have some text questions in. We’ll get to those on the other side. Right now, it’s time to get to three big things you need to know.
Welcome back to On The Money here on News 96.5 WDBO. This is On The Money with the Certified Financial Group. Nancy Hick, Aaron Burt, here in the studio, taking your phone calls at 844-220-0965. We also have the text machine up and running as well, 21232. We are five minutes away from <Inaudible> news, weather, and traffic with Dave Wahl on the News 96.5 newsroom. Back to our questions here on the text line. Alright, Aaron and Nancy, this is a texter writing in. I’m female, single, 61 years old, head of household. Understand you can withdraw money from your employer’s retirement plan to invest elsewhere. Any suggestions?
Okay, well my first comment is going to be why. Why you’re going to take pre-tax, tax-deferred dollars out to invest elsewhere. So —
Is there anything that an employer that would not be pre-taxed.
Yes, some employer plans have Roth contributions. Those after-tax dollars, but that’s money that’s growing tax-deferred and/or tax-free depending on how long it’s been in there, but it’s really a function of how the plan is written and not necessarily the dynamics of the person making the withdrawal. So first you need to find out from your HR department if they allow in-service withdrawals and what is the minimum age for in-service withdrawals before you get into the demographics of being head of household and all that other stuff.
We’re assuming she’s still working and trying to take money out of the plan while she’s still employed. Obviously, if she stopped working then she has other options.
Well, yes. If you’re no longer employed, then you have the rollover option and then you can pull money out at will depending on what your age is. You’re going to pay taxes and penalties, but —
She’s 61, so she’s past the penalty age.
Alright, so and most plans that offer in-service withdrawals it’s at 55 or older and it’s a percentage of what you have in there that you can take out. But I just — it doesn’t make sense to me. If it is as stated to invest elsewhere —
Right so but one thing to consider too is if you are no longer working and you are considering a rollover, there are some advantages to rolling out of a 401k into an IRA, one being that you can take distributions at will versus in the 401k normally there’s a fee every time you take a distribution and you can’t maybe do monthly income. So if you’re trying to supplement your Social Security — well not Social Security yet, but you want to get a regular check, you normally can’t do that from a 401k.
Well and withdrawals have an automatic 20% withholding and this person may not be in the 20% tax bracket.
Right, so the other consideration too is that in an IRA you may have better investment options, it may be less expensive for you depending on how expensive your current retirement plan at work it, and there’s a lot of factors that go into trying to decide whether or not it’s a good idea to move from your 401k into an IRA or some other type of investment vehicle.
If that’s the type of withdrawal that this person is asking about, <Inaudible> invest elsewhere is to roll the funds over to an IRA so it’s still staying tax qualified. I may not have a problem with that. I’ve had clients that have done that, to be able to divest some of the limited choices they have in their 401k and they have done an in-service withdrawal as a rollover.
Got you.
But it doesn’t make sense to just take it out <Inaudible> taxes and invest it into a regular brokerage account. There’s no reason to do that.
And there’s no major penalty for doing a rollover, right?
No. There’s — no. As long as it goes from corporate plan to individual plan and it’s all tax qualified, yeah, non-taxable event.
Alright, just like that, thank you so much, texter, for writing in. If you have a text question: 21232. If you like to talk on the phone line the old fashioned way, if you have <?> a follow-up question or the team has a follow-up question for you, it’s real simple to do that too: 844-220-0965. Lou in Auburndale has a question for our panel. We’ll get to that as soon as we get the latest news, weather, and traffic. On the other side, we are planning tomorrow —
Today.
With Nancy Hick and Aaron Burt from the Certified Financial Group here on WDBO.
Welcome back to On The Money here on News 96.5 WDBO with the Certified Financial Group, Aaron Burt, Nancy Hick, live here in the studio taking your phone calls at 844-220-0965. Text machine is up and running as well, 21232. Aaron for those of the new audience that may have joined us during the latest news, weather, and traffic, what can they call you about today?
We are here, Nancy and I, to answer anything having to do with your personal finances. We can talk to you about stocks and bonds and mutual funds and real estate and long-term healthcare, Social Security, 401ks, 403bs, IRAs, anything, all that and more. Nancy and I are here to take your calls, and fortunately for you the lines are pretty wide open. We have Louie here that we’re going to talk to in a minute, but we want to get more callers up here lined up so that the next half hour will be pretty entertaining.
Absolutely. You can do that by dialing 844-220-0965. And just like that, call us up, we’ll get you screened, we’ll put you in line and just like Lou did, Lou here in Auburndale, you’re on the Certified Financial Group on WDBO.
Good morning everybody!
Good morning, how are you?
Uh, living <?>.
Alright, what can we do for you, Lou?
Hey! Us too!
Yeah! There you go! On 64 <?>. I own my own business. My husband and I have put our house up for sale and when all the dust settles, we should have about $300,000 ahead and we want to take our RMD and travel the United States. I pay <Inaudible> work while we’re on the road <?>, but I’m wondering what to do with all that extra money to maximize our retirement.
Okay, so you’re self-employed?
Yes, I am.
Okay, and is your husband still working or no?
No, he’s retired.
Okay, so I don’t know if you’re taking advantage of something like a SEP-IRA or something along those lines, which —
No, nothing right now.
Okay, well, so if you have a SEP-IRA you can set aside 25% of your adjusted gross income for this year is up to $54,000.
<Inaudible>
So depending on how you fit in those parameters, you may be able to use some of the proceeds from the sale of your home, to fund a retirement account for yourself. If nothing else, you can certainly do a traditional IRA or a solo 401k which would allow you to set aside more for yourself than even the traditional IRA would.
What was the IRA you were talking about?
A SEP-IRA or you could do a solo 401k or you can do a traditional IRA.
Okay.
Okay so that would be one use of the proceeds that could help you for your retirement. Being 64, generally I do planning for life expectancy to at least 90, so you have quite a number of years ahead of you and anything that might be excess you’re going to want to look at some type of balanced portfolio of mutual funds, I would say leaning a little bit heavier towards equities for long-term growth. Planning for this type of windfall no matter how big or small it is, chunks of money are different to everybody is one of the types of things we do.
Lou, one thing that I’m thinking about is you say you’re going to get in your RV and start driving around the country. What’s you’re plan when you stop driving around the country?
Probably I guess long-term it would be maybe a condo.
So you’re going to come back and buy another property?
Maybe, yeah.
Okay, so those are the types of things, really, that go into doing some detailed financial planning. Because obviously if you have some money that you need to set aside for to purchase a property in maybe a year, two years, three years, four years, whatever it might be, that you don’t take a tremendous amount of risk with those dollars so that you have those funds available to you when you come back or wherever you end up planting your roots <?>, and —
When you say set aside, how would I set aside — what would I set it — in what? Like my father had American Mutual Funds, and they did very well for him.
Right, and that is a very nice fund family, but — and let’s say that you’re in two years going to want to buy a home, a condo or whatever, so that — whatever you might want to set aside to spend on it, $80,000, $100,000, that would be something that’s relatively liquid, so I would look for a two or three-year CD, something that if you’re looking at 24 months or less, you don’t want to actually invest it in a fund such as your father had, so whatever money you want to set aside for the future home, it’s got to be checking, savings, and money market or CD. I had some clients that did what you’re about to embark on doing for — they took five years. They liquidated everything, sold the home, bought the RV, and for five years they traipsed all around the country, went wherever they wanted to, had a wonderful time. But one thing they had done and you may want to consider is they had predetermined where their end point was going to be, and had purchased a small home. The situation that we’re in now is an environment of rising interest rates, and if you’re not going to pay cash for whatever that future home may be, you might want to start thinking about that now and maybe purchase a place before you go and then hit the road knowing comfortably that you have a place to go back to and you’re not going to pay five years worth of inflation and higher interest rates to buy that place.
If I went ahead and did that and bought a condo let’s say and my end game was five years of travel like these other people did, what do I do with the condo for the first five years.
I would rent it out if it was me, but you can leave it empty and use it as a home base for when you get tired of driving around or you can rent it out and make some supplemental income.
There’s nothing wrong with leaving it unoccupied, but as Aaron said, renting it out you’d have to hire a management company because you’re going to be long distance.
Right.
Lou, is this money coming out of your home same the only savings that you have for retirement or you have other stuff above and beyond this.
I have a little bit of savings from my business, not much, but we plan on selling the house, having the RV, and staying local and I was thinking of maybe working another two years here which would net us about another 150,000 maybe. I would love to invite you, Lou, to come in for a complimentary consultation and let’s look at maybe potentially doing some financial planning so you can hit the road with the peace of mind that you have absolutely nothing to worry about and you’ve planned this all out.
Great.
Okay, you could either go to our website which is financialgroup.com, and click on — if you want to click on my picture and it will take you to our page and you can request a complimentary consultation or you can call our offices Monday through Friday, 8:30am to 5:30pm 407-869-9800.
Alright, just like that anybody else that wants to call you up during the week, that’s the best way to do it. Alright Lou, thank you so much for your phone call. If you want Lou’s line, it’s 844-220-0965. We also have the text machine up and running as well, 21232. Let’s go to Liz. Liz has a Social Security disability question. Liz, you’re on WDBO.
Hi, good morning!
Good morning!
Good morning, Liz!
I have a question. My husband got hurt on his job and he was on workman’s comp and that has expired, and he is now trying to see — we don’t know if it’s possible if he can apply for disability whether it would be partial disability, short-term, or long-term. He’s also on Social Security now, so he’s 73, so we don’t know where to go from there.
Well, you can’t go — Social Security disability will pay you before you start drawing Social Security. Basically, they start paying you your Social Security benefit early, so if he’s already receiving a Social Security benefit, Social Security disability won’t be an option for him, as far as I know.
Yes, and that is correct. But you also had mentioned short-term disability or long-term disability. Is that something that he has through his employer as a benefit that you’ve taken advantage of?
No, no. I don’t know if they have that, but he had gone in to see the workman’s comp person who is assigned to him, I think. And he — they had told him that workman’s comp is running out right now, so he will have to apply for disability. However, he’s already on Social Security.
But, Liz, if you talk to or you have your husband talk to the human resources department of his company, they may have short-term and long-term disability as an employee benefit, and that may be what the workers comp person is talking about in terms of the Social Security.
Alright, and that won’t affect his Social Security?
No, no.
Okay, but that would be through the company.
Correct, it’s an employee benefit that some companies offer.
Okay.
Alright?
Alright, thank you!
Thank you!
Bye Liz <Inaudible> Thanks so much for your call! If you want Liz’s line, it’s 844-220-0965. Aaron Burt and Nancy Hick from the Certified Financial Group are here in the studio for another 14 minutes, taking your phone calls and your text questions at 21232 for the text question. I believe we have some workshops coming up. I wanted to mention those. Nancy Hick’s got the calendar right over there. Great workshops you guys have at Certified Financial Group.
The next workshop is Tuesday, July 11, from 6:00 to 8:00 in the evening, hosted by Gary Avelie, and this is healthcare options in retirement on Thursday, July 20, from 6:00 to 7:30. Denise Kovach and myself will be hosting our Social Security boot camp claims strategies. Then we take a little bit of a break and in September, Saturday the 16th of September from 11:00am to 1:00pm, financial basics, lifestyle strategies for success, also hosted by Gary Avelie, and Saturday, October 21, from 9:00 to 11:00 everything you want to know about mutual funds. Again, hosted by Gary Avelie, and if you go to our website, financialgroup.com, you can clock on the workshop tab and you can make a reservation for any of the workshops you wish to attend.
It’s free, right?
Yes, they’re all free, leave your checkbook at home. Generally there’s some refreshments, light dinner, light lunch, some type of snacks provided, and yes, bring an open mind and a closed checkbook.
Got to have some brain food to take in all the information you’re going to get.
And the reason we do that is a couple of reasons, the first reason being to provide general information to the public so they can make informed decisions about their retirement and healthcare and Social Security and all these other things that are going on in their lives. The other is to give them a familiarity with us in our office so they can come into our office, see our facilities and use our classroom and just become familiar and more comfortable, because it’s hard making an opportunity, walking in some place just cold if you’ve never been there and you’re not familiar with it.
Absolutely. Well, we still have some time to take your phone calls, 844-220-0965. Juliane’s on hold. We’ll get to her right after we get the three big things you need to know. Welcome back. It’s the final segment of On The Money with the Certified Financial Group, Aaron Burt, Nancy Hick, last chance to get your question answered 844-220-0965. Let’s get back to our busy phone lines. Talk to Juliane, first <?> Juliane in Orlando, you’re on WDBO.
Hi Juliane!
Hi! How are you?
Good, how about yourself? What can we do for you?
I’m good, thank you. I just sold a property that I had rented for about a year and a half. And I want to know what I can do with the profit I’ve made to hopefully avoid a large tax payment. I would like to buy another property, a condo, but I don’t know if that’s part of what I can do or not.
You can do whatever you want with the proceeds. Because it was not your primary residence, whatever profit you made is — net of your total cost basis, all your expenses and stuff, is going to be taxable at capital gains rates which right now is 20%. If we do get tax reform, who knows. It could go down a little bit, but —
You’ve already sold this property?
Yes.
Okay.
It just closed yesterday.
Because there are things called 1031 exchanges which are a little bit more complex that allow you to roll the proceeds from that into another property without paying the taxes and basically you carry forward the basis into the new property.
You may want to think about that after you buy the next property and you want to sell it.
Right.
I got you. Okay. I haven’t received the funds. Does that matter?
No, it doesn’t matter, because the sale’s already done.
Yeah, okay.
It has to be from point A to point B directly with the 1031 exchange. So —
Okay, and I did receive a 1099 from them. Okay well mazeltov on the profit.
Okay.
Have fun finding your new property.
Alright Juliane, thanks so much for the call. If you would like her line, it’s 844-220-0965. Ellen in Del Tona. Ellen, you’re on WDBO.
Hi Ellen!
Hi can you hear me?
Yeah, we can now. How are you doing?
Okay. Um my questions was in regards to my parents. They’re in their 80s and they have set up a will with — of which I am the executor. <Inaudible> that even though they have a will it would still have to go through probate.
Correct.
That is correct. A will says probate me.
A will is the probate court’s instructions on how to take care of your parents’ estate.
Ellen, one way that you can avoid everything being public and having to go through probate, if they have money say in checking, savings, money market, all they have to do is add an in trust for or payable on death designation to that. Anything that has a beneficiary designation does not go through probate. It passes by title. So what you’ll be left with is personal items, furniture, clothing, jewelry, potentially the home. But —
<Inaudible> mostly have <?> a lot of belongings. They don’t have a lot of fluid cash, but they own their home outright, a very nice home, and they filled it with lovely furniture and antiques, jewelry, the like <?> and it’s being willed to myself and my two brothers. I can foresee this being a very tedious process if we have to vacate that home through six months of probate. I don’t anticipate any dispute on the will. That won’t be an issue, but we will still have to maintain the home while it goes through that process.
You’re in Velucia County, is that correct?
Yes.
Okay, so what I would do is go to the clerk of the court’s office and see what might be done to add a beneficiary designation onto the deed of the house so that will pass outside of the will also and thus avoid probate.
Alright Ellen, thanks so much for the phone call. We are out of town for this week’s edition of On The Money. We will be back here next Saturday, 9:00 for the Certified Financial Group for Aaron Burt and Nancy Hick. We’ve been planning tomorrow —
Today!
Stay tuned for latest news, weather, and traffic, right here on News 96.5 WDBO.
Dictation made on 6/21/2017 3:18 PM EDT.
