WEBVTT

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<v Speaker 1>Donald Trum crashing the economy, were session looming? What happens next?

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<v Speaker 1>Watch what happens?

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<v Speaker 2>Will happen right here on fifty five KRC, the talk

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<v Speaker 2>station eight oh five at fifty five kr CD Talk station.

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<v Speaker 2>Regular listeners know what time it is. Bryan Thomas always

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<v Speaker 2>happy to welcome back to the fifty five KRC Morning Show.

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<v Speaker 2>All were financials. Brian James to do money Monday. Brian,

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<v Speaker 2>welcome back and have you Saint Patrick's day.

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<v Speaker 3>Good morning, regular and irregular listeners, And back to you, Brian,

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<v Speaker 3>same to you.

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<v Speaker 2>Yeah, we've got a couple of irregular listeners out there anyhow,

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<v Speaker 2>so your irregular speakers as well. Yeah, I understand sort

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<v Speaker 2>of uh, reciprocal tariffs, because if someone is tariffing our

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<v Speaker 2>goods going in, then why should they do that. I'm

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<v Speaker 2>level playing field kind of guy. It's difficult to operate

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<v Speaker 2>on a level playing field considering the cost of doing

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<v Speaker 2>business relative to any given countries. You know, ohsha practices

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<v Speaker 2>or not, or the presence of slave labor or not,

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<v Speaker 2>but all things aside. At least I can get my

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<v Speaker 2>head around, Well, if they're charging twenty five percent on

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<v Speaker 2>our goods coming in and then a corresponding tariff on

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<v Speaker 2>their goods coming in, would you know, serve to perhaps

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<v Speaker 2>end the tariffs completely. But if you're trying to tariff

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<v Speaker 2>somebody into doing something they otherwise wouldn't do, and we

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<v Speaker 2>ended up in this trade war because of course they'll

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<v Speaker 2>put reciprocal tariffs on. So tariffs kind of bother me

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<v Speaker 2>and it's one of the things I believe I differ

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<v Speaker 2>with in the Trump administration. But people are freaked out

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<v Speaker 2>about tariffs and kind of panicking and it has impacted

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<v Speaker 2>the stock market at least, although they've been, you know,

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<v Speaker 2>predicting a correction for a long time now, Brian, and

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<v Speaker 2>I know you've read articles about a correction coming. These

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<v Speaker 2>drops in the markets have been attributed to the Trump tariffs.

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<v Speaker 2>So what's the story about this and should we be panicking? Well, yeah,

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<v Speaker 2>that's a lots of unpacked there.

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<v Speaker 3>First thing let's talk about is you mentioned potential correction

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<v Speaker 3>on the way, Well, congratulations, it's here. We are ten

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<v Speaker 3>percent below the highest peak on the S and P

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<v Speaker 3>five hundred.

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<v Speaker 1>That's what's commonly known as a correction.

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<v Speaker 3>We're not calling this a bear mark or anything like that.

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<v Speaker 3>We had a correction as recently as twenty three, we

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<v Speaker 3>have volatility of course comes and goes. Yeah, this is

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<v Speaker 3>of course being driven by the tariffs, and it's not

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<v Speaker 3>so much the tariffs, it's the back and forth. What

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<v Speaker 3>the market can handle bad news, it can handle good news.

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<v Speaker 3>What it can't handle is unknown news. And with the

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<v Speaker 3>Trump administration waffling back and forth on whether we're gonna

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<v Speaker 3>put these tariffs against Canada or no, we're going to

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<v Speaker 3>hold off for a month, that kind of thing. What

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<v Speaker 3>the market wants to know is how likely our company

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<v Speaker 3>is going to be able to make a dollar and

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<v Speaker 3>how many dollars are they going to make? And when

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<v Speaker 3>we've got the rules changing, you know, think of it

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<v Speaker 3>this way. Can we predict if the Bengals are going

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<v Speaker 3>to win a game if they change the length of

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<v Speaker 3>the field during the game. You can't really predict exactly

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<v Speaker 3>anything when kind of the metrics of how we measure

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<v Speaker 3>things are changing all the time. So as tariffs and

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<v Speaker 3>the rules are changing on a daily basis, not only

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<v Speaker 3>the Trumpet minute stration, but also, as you mentioned, countries

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<v Speaker 3>are reciprocating, so we're just moving things back and forth

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<v Speaker 3>on both ends. The market hates that, and that's why

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<v Speaker 3>we're in a bit of a downturn here.

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<v Speaker 2>Well, I would would putting them in place and just

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<v Speaker 2>saying that's it, they're fixed. Would that provide some stability

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<v Speaker 2>in the market or the market would go down simply

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<v Speaker 2>because it's going to cost more to purchase foreign goods

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<v Speaker 2>and we'll be exporting fewer American goods.

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<v Speaker 1>Well, I don't know.

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<v Speaker 3>I don't think that would happen because we never say

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<v Speaker 3>we're going to put this tariff in place, it's going

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<v Speaker 3>to sit here for two years. We're going to use

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<v Speaker 3>it until we get what we want. And that's the

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<v Speaker 3>unpredictable part. We have gotten the responses, you know, as

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<v Speaker 3>a negotiating tool, these are things that have that have

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<v Speaker 3>elicited responses, and we've gotten other countries to start acting

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<v Speaker 3>as we wanted them to. You know, that's not quite

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<v Speaker 3>a tariff, but our threats to back out of NATO

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<v Speaker 3>has gotten finally European nations to start spending the correct

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<v Speaker 3>or closer to the correct percentages of their GDPs on defense.

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<v Speaker 3>That's the same structure they're trying here. Let's just simply

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<v Speaker 3>make the would change the rule, change the inputs, meaning

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<v Speaker 3>the US is going to put less into these kinds

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<v Speaker 3>of things. That's going to force everybody to react in

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<v Speaker 3>a manner that we're hoping to gain from them, and

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<v Speaker 3>then we can see whether we still need it. We

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<v Speaker 3>don't want permanent tariffs. They're not a way to make money.

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<v Speaker 3>They're a way to change the behavior of those we're

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<v Speaker 3>doing business with, and once we get that, we'll back out.

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<v Speaker 2>All right, Well, pitting over to buy, sell or hold?

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<v Speaker 2>What do we what do we do with a plummeting stock?

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<v Speaker 2>And I mean most of everything I think I'm invested

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<v Speaker 2>in through my financial planner index funds, so it's filled.

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<v Speaker 2>It's comprised of hundreds of different stocks, So I'm not

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<v Speaker 2>picking and choosing which stocks I'm personally holding. It's in

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<v Speaker 2>a you know, a bundle of other stocks. But assuming

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<v Speaker 2>someone is buying a specific stock, like let's just use

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<v Speaker 2>Tesla as an example, which is down fifty percent, how

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<v Speaker 2>do you decide what to do with something like that?

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<v Speaker 3>Brian, Sure, Well, those specific types of examples, it depends

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<v Speaker 3>on what your goal is. If your goal is simply

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<v Speaker 3>to build a financial plan for your household and execute

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<v Speaker 3>on that need growth to keep up with inflation over time,

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<v Speaker 3>but your goal is not to try to be the

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<v Speaker 3>market or to own cool stocks that you can want

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<v Speaker 3>up people on the on the first tee of the

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<v Speaker 3>golf outing every Saturday morning. Yeah, then you're taking the

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<v Speaker 3>right approach. At the end of the day, all that

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<v Speaker 3>matters is that you can you can outpace inflation and

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<v Speaker 3>grow your assets and still live the lifestyle you're trying to.

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<v Speaker 3>That's a little different than I want to own Tesla,

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<v Speaker 3>and I really support Elon Musk, so I'm going to

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<v Speaker 3>ride this out. Well, that better not be your Neste

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<v Speaker 3>because that's going to be a volatile stock, and the

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<v Speaker 3>reasons for volatility in that specific example are completely self inflicted. Yes,

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<v Speaker 3>the man invented a product that everybody wanted and that

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<v Speaker 3>filled a need, and then he chose to throw it

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<v Speaker 3>into the fire for whatever reason.

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<v Speaker 1>I cut you off.

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<v Speaker 2>Go ahead, Oh no, you know, but I mean people

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<v Speaker 2>are holding him personally responsible for, you know, exercising some

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<v Speaker 2>cuts in government, and that's I suppose they're prerogative. But

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<v Speaker 2>you know, five minutes ago, he was the darling of

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<v Speaker 2>the left because he was going to save the planet

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<v Speaker 2>from carbon emissions, and everybody was out buying Tesla's The

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<v Speaker 2>virtue signal or on the mistaken belief that it was environmental,

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<v Speaker 2>the environmentally good thing to do.

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<v Speaker 1>Correct.

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<v Speaker 3>And if it's hard to even point at what the

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<v Speaker 3>motivations are, because if it was about you know, usually

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<v Speaker 3>we blame greed and the greed of corporate America and

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<v Speaker 3>so on and so forth. Well, he had to know,

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<v Speaker 3>he's not a stupid man. He had to know that

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<v Speaker 3>he was going to take some hits, a few politions,

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<v Speaker 3>oh yeah, spots along the way, and many of his

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<v Speaker 3>companies by making these moves. And he made them anyway,

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<v Speaker 3>which tells us that he's a leader who is not

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<v Speaker 3>driven by profit and efficiency. He's driven at least in

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<v Speaker 3>some part by power.

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<v Speaker 1>Indeed.

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<v Speaker 2>Well, okay, so I understand you. Managing emotions is important.

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<v Speaker 2>And of course, if you have you know, a financial

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<v Speaker 2>planner managing your portfolio and it is in all these

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<v Speaker 2>you know, mixed index funds, then just ride it out.

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<v Speaker 2>It's all going to go away. Don't divest because the

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<v Speaker 2>market's gone down. Hell, I've been through the downs and

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<v Speaker 2>ups over my life, and as you always point out,

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<v Speaker 2>Brian James, it always ends up going up over time,

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<v Speaker 2>at least historically, that's always been the trend. Unless something

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<v Speaker 2>like the Fiat currency collapses because of our overspending and

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<v Speaker 2>government that's a completely different scenario that we can't plan for.

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<v Speaker 2>But beyond that, it just continues to go over time

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<v Speaker 2>in spite of the downturns from time to time.

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<v Speaker 3>Yeah, and thanks for their minder that we weren't even

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<v Speaker 3>discussing the article at ant here with my little side

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<v Speaker 3>tour on Elon Musk. But no, this is what I

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<v Speaker 3>tell my clients every time we have any kind of

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<v Speaker 3>a concern, which is that it is long as long

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<v Speaker 3>as there is greed in the market, as long as

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<v Speaker 3>someone outs there out there once more dollars than they

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<v Speaker 3>currently have, then there is going to.

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<v Speaker 1>Be a stock market.

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<v Speaker 3>Stock market has existed in some fashion for the last

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<v Speaker 3>four or five hundred years. This is why you learned

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<v Speaker 3>about the Dutch East India Company in the fifth grade.

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<v Speaker 3>You didn't know why you were learning it. Your fifth

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<v Speaker 3>grade teacher didn't know why they were teaching it. But

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<v Speaker 3>this is why it was the origin of the stock market.

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<v Speaker 3>That's five hundred years ago. So now fast forward to today,

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<v Speaker 3>and every company under the sun worth at salt. You

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<v Speaker 3>can buy shares of and sometimes they go up and down.

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<v Speaker 3>I think what it boils down to, Brian Thomas is

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<v Speaker 3>that there are five years that I consider attention getters

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<v Speaker 3>within the last century. That's two thousand and eight, nineteen

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<v Speaker 3>thirty seven, seventy four, two thousand and two, and twenty

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<v Speaker 3>twenty two.

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<v Speaker 1>We just had one.

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<v Speaker 3>These are all years where the market was down more

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<v Speaker 3>than fifteen percent. What they all have in common is

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<v Speaker 3>every last one of them was followed by a year

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<v Speaker 3>where the pendulum swung back the other way and got

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<v Speaker 3>back most, if not all, of the of what had

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<v Speaker 3>been lost. So if you can make sure you hang

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<v Speaker 3>on for a two three year time period, then you're

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<v Speaker 3>gonna be okay. And we do that by making sure

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<v Speaker 3>that the dollars we need in that period aren't exposed

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<v Speaker 3>to this in the first place. That's an emergency fund,

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<v Speaker 3>all right.

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<v Speaker 2>For those out there buying individual stocks, I mean, your

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<v Speaker 2>options when the thing goes down is buy seller, hold.

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<v Speaker 2>And I like to buy option because if you believe

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<v Speaker 2>in the business and you think it has legs and

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<v Speaker 2>will ultimately come back because it's providing a service or

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<v Speaker 2>good that people value, then you may be good in

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<v Speaker 2>buying more. It's a buying opportunity because it's probably going

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<v Speaker 2>to go back up, although that's not the case with

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<v Speaker 2>Boeing of late.

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<v Speaker 3>That's true, but again, that's the whole point we were

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<v Speaker 3>talking about before any one stock is going to have

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<v Speaker 3>its issues that you can't see coming out of left field.

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<v Speaker 3>Hopefully most of the people were talking to were on

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<v Speaker 3>their way to work, and you have a four oh

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<v Speaker 3>one K, four h three B or something like that,

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<v Speaker 3>you are congratulations. You are already doing the right thing,

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<v Speaker 3>as long as you haven't gone into your payroll department

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<v Speaker 3>and told them to stop pulling money out to contribute

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<v Speaker 3>to your bi weekly or weekly paycheck or whatever you have,

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<v Speaker 3>because you are investing through this downturn. I love this situation, Brian,

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<v Speaker 3>for people who have just gotten started. In the last

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<v Speaker 3>five years, we have seen the absolute best the markets

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<v Speaker 3>can be, and we could have seen the worst. Those

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<v Speaker 3>of you who remember twenty two into twenty three and

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<v Speaker 3>twenty four, you'll remember that you saw your four to

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<v Speaker 3>oh one K grow very very quickly, and it might

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<v Speaker 3>have confused you. That's the pendulum swinging, pendulum swinging back

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<v Speaker 3>the other way, and that's those dollars that you invested

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<v Speaker 3>at the bottom getting a nitro boost all the way

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<v Speaker 3>back to the top. So if you leave it alone,

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<v Speaker 3>you're doing the right thing.

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<v Speaker 2>Yeah, you're acquiring more stock for less money when it's

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<v Speaker 2>in a downturn. So I like that advice for folks

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<v Speaker 2>to starting out. You're doing it at the right time, right, Congratulations.

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<v Speaker 2>Now you're seeing them all up and down of the

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<v Speaker 2>entire cycle. Now I just wait for it and watch

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<v Speaker 2>your money grow, because it ultimately will. It's possible being

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<v Speaker 2>prying back to talk about apparently one in three folks

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<v Speaker 2>have been victims of a financial scam. More with Money,

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<v Speaker 2>mondays Brian James after a quick a couple of words

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<v Speaker 2>from my friends at Foreign Exchange imported cars traditionally imported

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<v Speaker 2>Asian or European. You're in the best possible hands taking

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<v Speaker 2>it to Foreign Exchange, because you're gonna have an SE

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<v Speaker 2>certified Master technician working on your car, a guy you

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<v Speaker 2>can actually are, a person you can actually talk to

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<v Speaker 2>if you're inclined to want to do that, like I am.

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<v Speaker 2>I I don't want to talk to the service manager.

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<v Speaker 2>I want to talk to the person's working on my car.

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<v Speaker 2>I've been going to Foreign Exchange for years. I still

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<v Speaker 2>under warranty. Car gets its oil changes there because I

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<v Speaker 2>save a couple of one hundred dollars per oil change.

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<v Speaker 2>Speaking of money, Monday and money matters, save money, keep

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<v Speaker 2>it in your pocket, maybe invested in the market, but

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<v Speaker 2>you will save money versus the dealer, and your car

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<v Speaker 2>will be repaired with a full warranty on both parts

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<v Speaker 2>and service. They'll treat you great too. They're wonderful people.

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<v Speaker 2>At the Westchester location. I can speak directly to that

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<v Speaker 2>one because that's one I've been going to for years.

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<v Speaker 2>It's a Tylersville likes it off of I seventy five,

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<v Speaker 2>just two little streets. Hang a right on Kingland Drive

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<v Speaker 2>as you proceed east off of seventy five on Tylersville

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<v Speaker 2>and tell them, Brian said, how when you stop in

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<v Speaker 2>and when you call for an appointment, they can take

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<v Speaker 2>care of your car.

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<v Speaker 1>Trust me.

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<v Speaker 2>Exotic to the regular run of the bill cars anything

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<v Speaker 2>five one three six four four twenty six, twenty six

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<v Speaker 2>five one three, six four four twenty six twenty six

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<v Speaker 2>by them online. Go to foreign X four in the

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<v Speaker 2>letter x dot com. Fifty five car the talk station

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<v Speaker 2>Hey twenty here fifty five KRCD talk station Brian Thomas.

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<v Speaker 2>One more segment here with Money Monday's Brian James. Here's

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<v Speaker 2>just some frightening statistics on the amount of fraud and

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<v Speaker 2>scam that's going on out there. Brian James.

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<v Speaker 1>Yeah, absolutely, so we're seeing a spike.

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<v Speaker 3>I go figure, whenever there is a crazy market activity,

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<v Speaker 3>we wind up with people trying to take advantage. So

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<v Speaker 3>about one in three adults have experienced financial fraud in

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<v Speaker 3>the past twelve months. About two and five have actually

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<v Speaker 3>lost money. So that includes nineteen percent of people who

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<v Speaker 3>lost money because somebody accessed their personal information. At about

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<v Speaker 3>a quarter of them actually sent money themselves to a

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<v Speaker 3>scammer or paid for some kind of phony service or something.

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<v Speaker 3>This isn't new. We've had fraud, of course, there was.

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<v Speaker 3>There were counterfeit currencies as long as there have been currencies.

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<v Speaker 3>We had our friend Charles Ponzi, I remember him, Oh yeah,

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<v Speaker 3>in the eighteenth century, and then ever since it's been

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<v Speaker 3>the rise of telecommunications and social media has just made

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<v Speaker 3>it all louder.

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<v Speaker 1>But the endgame is pretty much still the same.

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<v Speaker 2>It really is. And we talk every week with Dave

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<v Speaker 2>Hatter for Tech Friday at six thirty on Fridays and

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<v Speaker 2>a week doesn't go by, he isn't highlighting or elevating

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<v Speaker 2>another form of fraud our attention and the FBI quite

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<v Speaker 2>often will issue with warnings and alerts about new scams.

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<v Speaker 2>It's just so easy to do because so many people

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<v Speaker 2>are connected with social media and the Internet, and there

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<v Speaker 2>are a lot of gullible people out there, and most

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<v Speaker 2>notably the senior community. I'm not taking a poke at them,

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<v Speaker 2>it's just they tend to be more believing and and

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<v Speaker 2>and and more prone to being subject to these attacks.

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<v Speaker 2>Are we looking at any particular type or style of

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<v Speaker 2>financial fraud that this are highlights?

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<v Speaker 3>Well, I think what we're seeing most you kind of

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<v Speaker 3>hinted at it already, or seniors are being taken advantage of,

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<v Speaker 3>because you know, at some point, for every last one

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<v Speaker 3>of us, the shields go down just a little bit,

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<v Speaker 3>and the scammers out there know that. And there are

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<v Speaker 3>up team ways to get in touch with people nowadays

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<v Speaker 3>and can and convince them how to think a little

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<v Speaker 3>differently using social media, of course. So the ways to

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<v Speaker 3>kind of protect here is if you feel like you

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<v Speaker 3>might be in a situation like this, you might have

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<v Speaker 3>a loved one in a situation like this, then make

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<v Speaker 3>sure you have alerts set up on all of your

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<v Speaker 3>financial accounts. There are ways that you if you look

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<v Speaker 3>deep in the settings and those kinds of things that

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<v Speaker 3>you know, normally people log into their financial sites and

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<v Speaker 3>get what they need and get back out. We'll spend

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<v Speaker 3>some time poor a pot of coffee and look at

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<v Speaker 3>the different bells and whistles inside your credit card provider

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<v Speaker 3>in your bank's website, they will text you if transactions

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<v Speaker 3>are happening, if somebody logs in from a different computer

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<v Speaker 3>that the bank has not seen before. There are a

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<v Speaker 3>lot of ways that you can be informed that something's

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<v Speaker 3>going wrong, and consider having those texts go to somebody

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<v Speaker 3>who isn't you, If you have a trusted adult child,

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<v Speaker 3>or you know, even just anybody, just a second set

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<v Speaker 3>of eyes, just like anything else, can be really really

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<v Speaker 3>helpful and protect us from these things.

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<v Speaker 2>And two factor authentication, changing your passwords, getting a password

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<v Speaker 2>manager that creates really complex passwords that people can't hack into,

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<v Speaker 2>and shut off your credit. I mean you can contact

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<v Speaker 2>trans and Union and Experience and close your credit out

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<v Speaker 2>so no one can you know, can can try to

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<v Speaker 2>open credit in your name. That's something I did years ago. Yeah,

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<v Speaker 2>that's a great point. Freeze your credit.

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<v Speaker 1>You can do that. You can turn it on and off.

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<v Speaker 1>It adds an extra step.

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<v Speaker 3>But if you don't really need to apply for a

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<v Speaker 3>new credit all that often, and most people shouldn't be,

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<v Speaker 3>that's a whole other conversations you are, then Yeah, freeze

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<v Speaker 3>it off and just make it impossible to use.

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<v Speaker 1>One mora' throw out there.

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<v Speaker 3>If you have not logged in or set up your

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<v Speaker 3>own social security profile a my social Security profile, then

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<v Speaker 3>you should go do that.

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<v Speaker 1>You may not be.

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<v Speaker 3>Receiving social Security or maybe you don't have any questions

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<v Speaker 3>about it or whatever, but you should still go claim it.

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<v Speaker 3>That way, you'll know that you're the one who got it.

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<v Speaker 3>That's another way that people are stealing identities.

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<v Speaker 1>Now.

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<v Speaker 3>If someone has never set up their SOBI security profile

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<v Speaker 3>and they get a hold of your SOLFI security number, well,

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<v Speaker 3>they can begin to impersonate you a lot more easily.

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<v Speaker 1>So go set that up and lock it down.

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<v Speaker 2>Well, and they can begin in personing you a lot

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<v Speaker 2>more easily if they have access to all the information

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<v Speaker 2>on your computers. And you know, as Dave points out

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<v Speaker 2>all the time every week, don't click on suspicious links

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<v Speaker 2>or emails. I mean I don't click on I mean

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<v Speaker 2>my friends with my mom sends me links, and my

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<v Speaker 2>friends will send me links, and I am loath to

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<v Speaker 2>click on any of them because it literally could be

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<v Speaker 2>something that would maliciously launch software into my computer.

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<v Speaker 3>Yeah, if you suspect you might get an email that

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<v Speaker 3>looks like your bank, Yeah, it's gonna have the logo,

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<v Speaker 3>it's going to look like something they legitimately sent you.

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<v Speaker 3>If you have a suspicion that maybe this is a

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<v Speaker 3>real thing I need to deal with, don't click that link.

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<v Speaker 1>Log into the bank's website.

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<v Speaker 3>If it's truly an important problem, it'll be the first

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<v Speaker 3>thing in your face and in a form of a

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<v Speaker 3>notification or something like that. But don't click the email

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<v Speaker 3>in or the link inside the email. Go straight to

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<v Speaker 3>the bank or call them and ask if there's anything

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<v Speaker 3>they need or if they're noticing any problems on their end.

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<v Speaker 2>Amen to that. And you got to be very proactive

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<v Speaker 2>on this. And if your proactive, the likelihood of getting

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<v Speaker 2>scammed or having your money ripped off it drops precipitously.

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<v Speaker 2>Brian Jamis appreciate the sound advice as always and it's

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<v Speaker 2>important to get a financial planner that's working in your

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<v Speaker 2>court and feed based financial planets have a fiduciary obligation

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<v Speaker 2>to you to maximize the return on your investment. So

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<v Speaker 2>do that and then you don't have to worry about it.

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<v Speaker 2>Brian James, thanks for the time you spill my listeners

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<v Speaker 2>each and every week. Here for money Monday, and I'll

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<v Speaker 2>look forward to having another discussion with you next week.

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<v Speaker 3>Happy Saint Patrick's Day. May all things stay green all

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<v Speaker 3>day long.

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<v Speaker 2>Amen, brother A twenty five. Right now, if you have

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<v Speaker 2>care se the talk station, anybody getting cut in touch

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<v Speaker 2>with QC Kinetics. QC Kinetics can help you with your

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<v Speaker 2>pain and you may be a great candidate for QC

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<v Speaker 2>Kinetics and it is a free consultation. These are regenerative medicine.

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00:16:46.759 --> 00:16:50.120
<v Speaker 2>These are taking your body's natural healing properties and concentrate

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00:16:50.159 --> 00:16:51.960
<v Speaker 2>them and place them exactly where that pain is. You

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00:16:51.960 --> 00:16:55.360
<v Speaker 2>know your hip, your knee joint pain generally speaking, so

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<v Speaker 2>if it's impacting your life, this chronic pain, having trouble sleeping, walking,

390
00:16:59.320 --> 00:17:01.840
<v Speaker 2>day to day move, maybe you want to avoid surgery

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<v Speaker 2>and the pain and uncertainty that goes along with that

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<v Speaker 2>or more importantly, you missed one of the things you love,

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00:17:06.799 --> 00:17:09.960
<v Speaker 2>like playing golf or picking up grandchildren, maybe even jogging.

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<v Speaker 2>And if the pain's holding you back, see if you're

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<v Speaker 2>a good candidate and it's easy to do, just schedule

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00:17:14.519 --> 00:17:19.079
<v Speaker 2>the appointment. It's a free consultation to reach QC Kinetics

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<v Speaker 2>five one three eight four seven zero zero one nine.

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<v Speaker 2>That's five one three eight four seven zero zero one nine,

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<v Speaker 2>one more time. Five one three eight four seven zero

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<v Speaker 2>zero one nine fifty.

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<v Speaker 1>Five KRC dot com.

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<v Speaker 2>This is