Every generation faces different complications when preparing for retirement. It will always be this way… But this generation is facing an issue like none other before it. And that issue is: Longer lifespans! That’s right, people are living longer than ever before! But make no mistake about it, longer life spans is a double edged sword. It brings this generation new obstacles that no other generation has ever faced. The 62WhoKnew TV Show was created to help identify and solve these obstacles. Our guests will be experts from around the Country discussing topics like: financial planning, long term care insurance, social security, in-home care, reverse mortgages, Medicare, Medicaid, Do I need a Will or a Trust, travel, health, and so much more. Who knew I needed to have 25 years of cash reserve before I could retire… Who Knew I may have to work a lot longer than I anticipated? Who knew we were going to live this long? Really…who knew? See acast.com/privacy for privacy and opt-out information.
62 Who Knew 62?!? Episode 103Today's show is our most powerful yet!Join us as our guest, Mr. Richard Enslein returns to the show to discuss the Weizmann Institute of Science.The Weizmann Institute of Science is a public research university in Rehovot, Israel, established in 1934, 14 years before the State of Israel. It differs from other Israeli universities in that it offers only postgraduate degrees in the natural and exact sciences.In addition to getting the “real truth” on where the world truly is on the topic of getting COVID 19 behinds us, Richard is going to share with us the staggering progress that the Institute has made towards developing cures for Alzheimer's and Lou Gehrig Disease. (ALS)Can you imagine what this world would be like without these two horrible diseases, what this could do for families all over the planet???Join us this afternoon and webeamtv.com at 5:00 PM.This is 62WhoKnew at its best!!!! Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew 62?!? Episode 102Matt McCann is recognized as one of the nation's leading Long Term Health Care (LTC) specialists. Since 1998, Matt has been a national leader in finding solutions for the physical, emotional & financial burdens LTC places on American Families. He is recognized by the American Association for Long Term Care Insurance as one of the top ten specialists in the country.As the Founder of LTCNews.com, one of if not the most comprehensive, consumer-facing LTC websites in the Country, he is now focused on helping consumers find affordable solutions so they can protect their assets and never be a burden on family and loved ones.Matt McCannmatt@mccannltc.net(630) 698-0916 - CellMark Goldbergmgoldberg@fpsinsurance.com561-379-5184 - Cell Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew 62?!? Episode 101Three weeks ago, Mr. Steven Sless Guest Hosted the show and broke our viewership record!!!His topic was “grey divorce.” Divorce rates in the Baby Boomer Generation are on the rise and it is becoming a very serious subject with which many families must deal with.Tonight's topic is how we can ease that transition on borrowers entering, or who have already entered, the retirement portion of their lives.This is 62WhoKnew at its best!Well tonight, we bring him back as my guest, and one of his guests from that night, Ms. Nancy Hetrick.We all know Steven as one of our regulars and a national expert on reverse mortgages and the proper use of home equity during retirement.Nancy Hetrick is the owner of RIA Smarter Financial Solutions LLC, Smarter Divorce Solutions LLC, and the Divorce Financial Planner Training Center.As a Certified Divorce Financial Analyst, mediator, and forensic specialist, she assists divorcing clients with crafting a creative, out-of-court settlement agreement in a kinder, gentler, more affordable process. She has over 20 years of experience in both investment management and financial planning.Nancy Hetrick, AWMA®, CDFA®Founder & CEO of Smart Divorce Solutionswww.SmarterDivorceSolutions.Com Steven J. Sless, CLTC®President, The Steven J. Sless Group of PRMIwww.TheSlessGroup.Com (410) 814-7575 Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew 62?!? Episode 100Tonight we bring back Mr. Colin Castle, Director of Sales and Marketing at Home Instead Senior Care. Home Instead Senior Care is the largest non-medical in-home care company, which focuses on helping seniors with the daily activities they need to engage in to remain safe and healthy, in the Country today. Colin's first appearance in the summer of 2018 was one of our most popular shows.Tonight we will be discussing the 40/70 rule, what should your 70-year-old self be discussing with your 40-year-old children. This is a topic that touched every family in every wake of life!!!'Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew 62?!? Episode 99Silver or Grey Divorce statistics on the rise.Tonight's topic is how we can ease that transition on borrowers entering, or who have already entered, the retirement portion of their lives. This is 62WhoKnew at its best! Tonight's topic is: Easing The Financial Difficulties of Divorce Jamie Hopkins Esq., LLM, CFP®, ChFC®, CLU®, RICP®Managing Director at The Carson Groupwww.CarsonGroup.Com Nancy Hetrick, AWMA®, CDFA®Founder & CEO of Smart Divorce Solutionswww.SmarterDivorceSolutions.Com Host: Steven J. Sless, CLTC®President, The Steven J. Sless Group of PRMIwww.TheSlessGroup.Com (410) 814-7575 See acast.com/privacy for privacy and opt-out information.
62 Who Knew 62?!? Episode 97Tonight we separate ourselves from our normal topics of discussion.We are going to interview Ms. Katherine Schaefer, a 14-year-old worldwide golf phenom.An 8th-grade freshman, currently ranked #7 in the world for woman 14-year-old golfers, has already won 3 state championships in Florida, and 2 months ago won the Pro-am Tournament in Orlando, as an amateur.This victory allowed her to then play as an amateur, that weekend, in the Celebrity Golf Tournament of Champions, where she dazzled a national golf audience, as well as the top woman golfers in the world.But being 62WhoKnew has a mission, we then are going to discuss with Katherine, her mother Marjorie, and her grandfather Peter, the effects COVID 19 had had on this very close family. And how not being able to actually “be together” has affected all involved.Join us this afternoon at 5:00 PM at WWW.WeBeamTV.com Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
Tonight we bring one of our favorite guests.Mr. Steven Sless, National reverse mortgage expert, and Founder of The Steven Sless Group, and Division President of Primary Residential Mortgage, Inc.At the very beginning of 2021, 62WhoKnew made a commitment to bring Long Term Care Insurance, in both traditional and single premium options to the masses. But to do that, the masses need a funding source! And there is no better funding source for this goa than a Reverse Mortgage. On today's show, Steven will explain, in layman terms, the real truth about reverse mortgages. Never has a financial product had so many mistruths and misinformation surround it! How is the client protected from NEVER owing more than the home is worth?What truly are the rights of the surviving borrower, after the first borrower passes away?How are the Estate/Heirs totally protected from losses?And of course, how a reverse mortgage can be utilized to make sure YOU have all the protection you need for the retirement portion of your lives!Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Steven SlessPhone: (410) 814-7575Web: www.TheSlessGroup.comNMLS: #298581 See acast.com/privacy for privacy and opt-out information.
Tonight our Host, Mr. Michael Banner, will review what 62WhoKnew has accomplished this year.What topics brought our audience from ZERO to 80,000+ per week.And what to expect from 62WhoKnew in 2020. It's going to be a great show!!!It's going to be a great show!!!Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
As we know, long-term care insurance has been the most popular topic of discussion on 62WhoKnew. Tonight our guest is Mr. Sean Deveau, one of the nation's leading producers of long-term care insurance. Sean has been awarded the Master Agent Elite Long Term Care Specialist title byGenworth Financial, a leader in Long Term Care Insurance. He has been the #1Long Term Care Insurance solution specialist in the East from 1998 through 2018 Tonight we get to hear what clients are actually saying about today's long-term care insurance products.Why they think they need should have this type of protection, what are their biggest fears of not having it, what is the biggest obstacle stopping them from having it. Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.28870 U.S. Hwy 19 N.Suite 320Clearwater, Fl. 33761E-mail- mbanner@pmanow.comCell – 727-224-3859 See acast.com/privacy for privacy and opt-out information.
Tonight our guest is Ms. Diane Daniels Host and Founder of the most successful podcast in the nation on the topic of Medicare.This is Diane's fifth appearance on the show and tonight we discuss the very timely subject of “Medicare for All” a proposal presented by Senator Bernie Sanders to cover all Americans!Does this plan have merit, strengths, or weaknesses?Tune in tonight and find out as our National Medicare expert gives her views on this relevant topic for all! Diane Daniels is a Medicare Advisor, who brings ten years of health care experience to her community. Ms. Daniels is the owner of Medicare Nation, which provides superior Medicare education to groups and individuals. Ms. Daniel's belief in educating overselling has provided Medicare Nation the ability to offer a large portfolio of Medicare products, which allows the individual to choose a Medicare plan that “fits” their lifestyle.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Ms. Diane Daniels MEDICARE NATION, LLC.1645 Sun City Center Plaza,#6067, Sun City Center, FL 33571Call: 813-731-1237Fax: 855-855-7266 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Episode 065 See acast.com/privacy for privacy and opt-out information.
Tonight Mr. Colin Castle joins us again to discuss an incredibly timely and relevant topic.Mr. Castle, is the Regional Vice President of Home Instead Senior Care, the largest in-home care company in the nation.Tonight we will be discussing how seniors can be affected by the Coronas Virus and the symptoms we should be looking for as warning signs. Colin Castle, Director of Marketing and TechnologyCall (727) 456-8162Website: www.homeinstead.com/165Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Episode 067Tonight we bring back one of our favorite guests, Mr. Steven J. Sless, CLTC®National Reverse Mortgage Division Manager, PRMIBranch Manager, The Steven J. Sless Group of Primary Residential Mortgage, Inc.Steven J. Sless has become regarded as the “go-to housing wealth expert” by various media outlets. Bringing 17 years of mortgage industry experience, he runs PRMI's first consumer-direct retail branch dealing exclusively with reverse mortgages (located in Owings Mills, Md.) He also coaches traditional loan originators working at PRMI's 270 branches nationwide about reverse mortgages.A powerful speaker and communicator, Steven regularly presents seminars and learning workshops for senior homeowners, their family and trusted advisors. His passion, expertise, and dynamic personality electrify audiences and inspire people to act.In 2019, Steven earned the CLTC®: Certified Long-Term Care professional designation, demonstrating that he also has acquired the critical tools necessary to discuss the subject of longevity and its acute consequences on a client's family – financially, physically, and emotionally – years down the road.“Possessing knowledge of long-term care and what decisions must be made before care is needed will allow me to better serve the needs of my clients,” Steven says. “Having a deeper understanding of my clients' needs will allow me to have a more advanced conversation with them, their family, and trusted advisers.” Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.28870 U.S. Hwy 19 N.Suite 320Clearwater, Fl. 33761E-mail- mbanner@pmanow.comCell – 727-224-3859 See acast.com/privacy for privacy and opt-out information.
62 Who Knew Episode 068Tonight we bring back 2 our 62WhoKnew's favorite guests:Mr. Mark Goldberg, President of FPS Insurance, and Mr. Peter Gelbwaks, President of Gelbwaks Executive Marketing.Both Mark and Peter are known for their expertise in the National Long Term Care arena, and bring decades of experience to the table, and will be discussing the effects of our current health care crisis and its effects on the senior population.Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.28870 U.S. Hwy 19 N.Suite 320Clearwater, Fl. 33761 See acast.com/privacy for privacy and opt-out information.
Tonight, we bring back one of our favorite past guests,Ms. Carroll Golden Executive Director, LECP Center, of NAIFA. (National Association of Insurance and Financial Advisors)Carroll Golden is a forward-thinking organizational consultant and business strategist with a diverse international backgroundholding senior leadership roles within the healthcare and insurance marketplace.Carroll is recognized by industry peers for her contributions in the long term care insurance (LTCI) fieldand is a frequent speaker and noted author across numerous professional benefits and financial services organizations.Almost one year ago, Carroll was here discussing one of the most far-reaching long-term care insurance platforms ever created, being introduced by NAIFA.This evening, we will find out exactly how this massive national project has progressedand discuss many other changes in the long-term care insurance world.Join us at 7:00 PM on 62WhoKnew at WWW.Webeamtv.com Every generation faces different complications when preparing for retirement.It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before!But make no mistake about it, longer life spans are a double-edged sword. Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.28870 U.S. Hwy 19 N.Suite 320Clearwater, Fl. 33761E-mail- mbanner@pmanow.comCell – 727-224-3859Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI Executive Director, LECP Center National Association of Insurance and Financial Advisors2901 Telestar Court | Falls Church, VA 22042Email: cgolden@naifa.org | Office: 817-709-6859 www.NAIFA.org See acast.com/privacy for privacy and opt-out information.
62 Who Knew Episode 070 Tonight our guest is Mr. Marc Glickman, FSA, CLTC, LTCP is co-founder of www.buddyins.com a community of client-centric long-term care planning experts. His mission is to help families across the country get a long-term care plan and support the 40 million caregivers in the United States. Marc has over a decade of experience as a long-term care actuary. He is an expert in long-term care insurance financing, pricing, and benefits. He has trained thousands of long-term care specialist agents across the country and serves on the Board of Advisors for the Certification for Long Term Care (CLTC) training designation. Marc has unique insight into the inner workings of insurance as he has consulted for many long-term care insurance companies to help design their products. Marc hosts a webinar series on insurance planning and is an LTCI subject matter expert on LinkedIn. He loves to hear LTC planning stories, so please feel free to connect with him on Linkedin: https://www.linkedin.com/in/marcglickman/ See acast.com/privacy for privacy and opt-out information.
Tonight we bring back one of our favorite guests, Ms. Diane Daniels.Diane is a nationally known Medicare consultant, who brings over ten years of health care experience to her community. She is the owner of Medicare Nation, which provides superior Medicare education to groups and individuals.Diane is the host & producer of Medicare Nation, an iTunes Top 200 podcast, dedicated to educating retirees and the adult children of seniors, everything they need to know about Medicare. Diane interviews expert guests, who discuss illnesses, injuries, and chronic ailments which affect Medicare benefits. Diane collaborates with politicians and national associations to advocate for her clients. You can listen to Medicare Nation on smartphones, tablets, and computers (www.TheMedicareNation.com).Just recently Medicare Nation was named the #1 podcast in the nation on the topic of Medicare.Our topic tonight: What type of effect has COVID 19 had on our seniors, and even more importantly, what does this unsure future we now live in do to our seniors?Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.28870 U.S. Hwy 19 N.Suite 320Clearwater, Fl. 33761E-mail- mbanner@pmanow.comCell – 727-224-3859Ms. Diane Daniels.1645 Sun City Center Plaza,#6067, Sun City Center, FL 33571http://themedicarenation.com/Call: 813-731-1237 See acast.com/privacy for privacy and opt-out information.
Tonight we bring back Mr. Mark Goldberg, President of FPS Insurance and one of the foremost experts on Long Term Care Insurance in the Nation.Our topic is going to the changing world of long-term care and the very significant and chilling message COVID 19 has delivered to our seniors in this nation regarding an “aging place.”You don't want to miss this! See acast.com/privacy for privacy and opt-out information.
Tonight we bring back Mr. Johnny Loewy, National Trainer, Speaker and Founder & President of Align Right Realty.Johnny has trained thousands of Realtors throughout the Country and his students rave about his teaching methods, personality, and vast knowledge of the real estate industry.Join us tonight on WWW.WeBeamTV.comout the Country and his students rave about his teaching methods, personality, and vast knowledge of the real estate industry. Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.28870 U.S. Hwy 19 N.Suite 320Clearwater, Fl. 33761E-mail- mbanner@pmanow.comCell – 727-224-3859Johnny LoewyALIGN RIGHT REALTYContact details(813) 743-4663 Mobilewebsite: https://alignrightrealty.com/home18101 Highwoods Preserve Pkwy Ste 110Tampa, FL 33647 See acast.com/privacy for privacy and opt-out information.
Today we welcome back Mr. Richard Enslein, the Executive Director for the Florida Region of the Weizmann Institute of Science. He travels extensively and has been a guest speaker in numerous varying venues. Richard has attended numerous staff comprehensive learning retreats in this country and at Rehovot, Israel. The Weizmann Institute of Science is one of the world's leading multidisciplinary basic research institutions in the natural and exact sciences. It is located in Rehovot, Israel, just south of Tel Aviv. The Weizmann Institute has a long history of investigation and discovery rooted in a mission of advancing science for the benefit of humanity. Tonight we discuss COVID 19, no politics, just facts!Join us!!! Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.28870 U.S. Hwy 19 N.Suite 320Clearwater, Fl. 33761E-mail- mbanner@pmanow.comCell – 727-224-3859 See acast.com/privacy for privacy and opt-out information.
Tonight we bring back the nation's leading expert on the topic of Medicare and Medicare Supplemental policies, Ms. Diane Daniels.Diane, Founder and Host of Medicare Nation, and the Medicare Nation podcast, works with a political organization, social organizations, companies, and individuals answering their questions and solving the Medicare needs.Recently, the Medicare nation podcast was named the #1 podcast in the Country on this incredibly relevant subject.Tonight we discuss which insurance carriers are doing right by their clients, and which are doing wrong, during the COVID 19 crisis.And as a former New York City Police officer, we are going to discuss the current attitude towards this nation's great police.And believe me, Diane isn't going to hold back!!!!Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Ms. Diane Daniels.1645 Sun City Center Plaza,#6067, Sun City Center, FL 33571http://themedicarenation.com/Call: 813-731-1237 See acast.com/privacy for privacy and opt-out information.
Tonight we bring back the nation's leading expert on the topic of Medicare and Medicare Supplemental policies, Ms. Diane Daniels.Diane, Founder and Host of Medicare Nation, and the Medicare Nation podcast works with a political organization, social organizations, companies, and individuals answering their questions and solving the Medicare needs.Recently, the Medicare nation podcast was named the #1 podcast in the Country on this incredibly relevant subject.Tonight we discuss which insurance carriers are doing right by their clients, and which are doing wrong, during the COVID 19 crisis.And as a former New York City Police officer, we are going to discuss the current attitude towards this nation's great police.And believe me, Diane isn't going to hold back!!!!Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Ms. Diane Daniels.1645 Sun City Center Plaza,#6067, Sun City Center, FL 33571http://themedicarenation.com/Call: 813-731-1237 See acast.com/privacy for privacy and opt-out information.
Tonight we will be discussing the very popular topic of Reverse Mortgages, how it has been helping seniors throughout the Country during the COVID 19 crisis, how it helps seniors afford long term care insurance, and of course how it can assist seniors to pay for ln Home Care during crises like the one we are going through right now. In addition, we will discuss how today's Reverse Mortgage can alleviate debts and increase monthly cash flow for seniors thus increasing their quality of life during their retirement years.Join us as our Host and national Reverse Mortgage spokesman, Mr. Michael Banner, brings us the real hard truth on this product can and should be used! See acast.com/privacy for privacy and opt-out information.
Tonight our guest is Mr. Matt McCann. Matt McCann is a nationally known expert on long-term care insurance and planning. With over 20 years of experience helping thousands of clients nationwide, he has witnessed firsthand how Long-Term Care Insurance gets used at the time of claim. Matt recognizes the value of affordable LTC Insurance and its positive impact on American families. Matt is also the publisher of LTC NEWS, a website devoted to long-term care, aging, caregiving, health, and retirement planning. Tonight we are going to discuss, among other things, the changes that COVID 19 has made in the long-term care world that are permanent. There are certain aspects of the healthcare world that will “never go back to normal.” This is our new normal! This is a topic that touched all of us and our families… Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
Today Mr. Colin Castle, Director of Marketing and Technology of Home Instead Senior Care, returns to 62WhoKnew to discuss the effect COVID 19 had had on the #2 in-home care company in the Country.And further, how he feels these past several months are going to affect people's future choices about entering a care facility or remaining at home with assistance.This is a topic that touches so many of us and our families.Join us at 5:30 today at; WWW.WeBeamTV.comMichael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Mr. Colin Castle, Director of Marketing and Technology Home Instead Senior Care https://www.homeinstead.com/165(727) 490-6293 See acast.com/privacy for privacy and opt-out information.
Hi, it's Mark Goldberg, and Today at 5:00 PM EDT It will be my honor to guest host for the superb Mike Banner on the 62 WhoKnew television show.Please join me, and my guest Chris Orestis of LifeCare Xchange at 5:00 PM at:WWW.WeBeamTV.comWe will be discussing Life Settlements in today's markets Chris Orestis (www.retirementgenius.com), known as the “Retirement Genius,” is the President of LifeCare Xchange and a nationally recognized healthcare expert and senior advocate. He has 25 years of experience in the insurance and long-term care industries and is credited with pioneering the Long-Term Care Life Settlement over a decade ago. A political insider, Orestis is a former Washington, D.C., lobbyist who has worked in both the White House and for the Senate Majority Leader on Capitol Hill. Orestis is the author of the books Help on the Way and A Survival Guide to Aging, and has been speaking for over a decade across the country about senior finance and the secrets to aging with physical and financial health. He is a frequent columnist for Broker World, ThinkAdvisor, IRIS, and NewsMax Finance has been a featured guest on over 50 radio programs and has appeared in The New York Times, The Wall Street Journal, CNBC, NBC News, Fox News, USA Today, Kiplinger's, Investor's Business Daily, PBS, and numerous other media outlets. See acast.com/privacy for privacy and opt-out information.
This week we truly think you're going to enjoy our 62 who knew episode. Here in our home state of Florida the governor as most of you know, brought the state into phase 3 as far as the COVID-19 status. All bars and restaurants are open sporting events and public meeting places are now up to 100% occupancy.Exactly what does that mean to us? There's still so much misinformation and half-truths surrounding COVID-19 that tonight we are bringing on Dr. Justin Hubernak. Dr. Hubernak works in Morton Plant Hospital, downtown Clearwater.Morton Plant Hospital is well known as one of the finest institutions in the southeastern United States. I'd like to ask and hear a doctor answers to questions like, how many cases are really coming through the emergency room for COVID-19, how many of the beds are truly filled in the COVID-19 special section of the hospital how valid is the testing and of course I would love his medical opinion, not political opinion but medical opinion, and Watt opening up the state to 100% will mean to the number of active cases reported.This is 62 who knew at its best join us at 5 o'clock today at www.webeamtv.com See acast.com/privacy for privacy and opt-out information.
On tonight's show, we have a returning guest.Laura Banner is a neurology nurse practitioner. She has a passion for caring for dementia patients and their families. Early on it became evident to Laura that as a society we have a rapidly increasing number of people with dementia and a limited amount of resources to care for them. Too often her patients and their loved ones are asking for resources that are just not available. She has created this website to be that resource.Michael L. BannerPresidentProfessional Mortgage Alliance, LLC.E-mail - mbanner@pmanow.comCell - 727-224-3859Laura BannerCompassionate EducationCompassionateEducation.comLaura@CompassionateEducation.com770-800-3504 See acast.com/privacy for privacy and opt-out information.
National Reverse Mortgage Division Manager, PRMIEvery generation faces different complications when preparing for retirement.It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before!But make no mistake about it, longer life spans are a double-edged sword. It brings this generation a new obstacle that no other generation has ever faced.The 62WhoKnew TV Show was created to help identify and solve these obstacles.Our guests will be experts from around the Country discussing topics like financial planning, long-term care insurance, social security, in-home care, reverse mortgages, Medicare, Medicaid, Do I need a Will or a Trust, travel, health, and so much more.Who knew I needed to have 25 years of cash reserve before I could retire…Who Knew I may have to work a lot longer than I anticipated?Who knew we were going to live this long?Really…who knew? See acast.com/privacy for privacy and opt-out information.
Tonight 62WhoKnew transitions to 62WhoKnew-The Longevity Initiative.Join our panel of experts as we discuss the very sensitive and time-relevant topic of "Can Home Equity be used as a financing tool for long-term care insurance and other similar products?"Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Steven Sless - Primary Residential Mortgage, IncThe Steven J. Sless Groupssless@primeres.com 443-220-3298WWW.primeres.comNMLS# 3094Bill ComfortComfort Assurance Group, LLC., bill@comfortltc.com 314-651-1454WWW.comfortltc.com Joe DeMarkey Reverse Mortgage Funding LLC,jdemarkey@reversefunding.com 617-877-1851WWW.reversefunding.comNMLS ID # 1019941 See acast.com/privacy for privacy and opt-out information.
Thanks to the incredible subject matter of last week's show, and an incredible panel of guests, we pick up today's 62WhoKnew – The Longevity Initiative right where we left off.Can we really bring Long Term Care Insurance to the masses, by offering them a financing option that has never been available before?With 2 new people on the panel, some with some very different points of view, today's show promises to be one of our best! Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Peter Gelbwaks - Gelbwaks Executive Marketing Corp.www.gelbwaks.comPeter@gelbwaks.com 954-684-2000Bill ComfortComfort Assurance Group, LLC., bill@comfortltc.com 314-651-1454WWW.comfortltc.com Mark GoldbergFPS Insurancewww.fpsinsurance.commgoldberg@fpsinsurance.com 561-379-5184 See acast.com/privacy for privacy and opt-out information.
Thanks to the incredible subject matter of last week's show, and an incredible panel of guests, we pick up today's 62WhoKnew – The Longevity Initiative right where we left off.Can we really bring Long Term Care Insurance to the masses, by offering them a financing option that has never been available before?With 2 new people on the panel, some with some very different points of view, today's show promises to be one of our best! Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Peter Gelbwaks - Gelbwaks Executive Marketing Corp.www.gelbwaks.comPeter@gelbwaks.com 954-684-2000Bill ComfortComfort Assurance Group, LLC., bill@comfortltc.com 314-651-1454WWW.comfortltc.com Mark GoldbergFPS Insurancewww.fpsinsurance.commgoldberg@fpsinsurance.com 561-379-5184 See acast.com/privacy for privacy and opt-out information.
Tonight our guest is Mr. David Lykken, a 47-year veteran of the mortgage industry, Founder, President & Chief Transformational Officer of Transformational Mortgage Solutions (TMS). Lykken and his team of top mortgage professionals are transforming the way businesses do business while at the same time improving the lives of owners, their executives, sales, and operational staff. This is accomplished thru CONSULTING, executive COACHING, and various COMMUNICATIONS strategies. He has been a frequent guest on FOX Business News and occasional guest appearances on CNBC & CBS Evening News. He hosts a widely listened-to weekly podcast called “Lykken On Lending” heard Monday's at 1 pm ET at www.LykkenOnLending.com . More recently, he launched another podcast called “Lykken On Leadership” that can be heard at www.LykkenOnLeadership.com. Joins us and our panel of experts as discuss two very important topics:Should financial planners secure their mortgage license and how can we get the financial planning and long-term care insurance worlds to come together?Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Peter Gelbwaks - Gelbwaks Executive Marketing Corp.www.gelbwaks.comPeter@gelbwaks.com 954-684-2000David Lykken Transformational Mortgage Solutions512-632-2900www.transformationalmortgagesolutions.comdavid@tms-advisors.comMark GoldbergFPS Insurancewww.fpsinsurance.commgoldberg@fpsinsurance.com 561-379-5184 See acast.com/privacy for privacy and opt-out information.
Tonight we bring back the nation's leading expert on the topic of Medicare and Medicare Supplemental policies, Ms. Diane Daniels.Diane, Founder and Host of Medicare Nation, and the Medicare Nation podcast work with political organizations, social organizations, companies, and individuals answering their questions and solving the Medicare needs.Recently, the Medicare nation podcast was named the #1 podcast in the Country on this incredibly relevant subject. Tonight, we discuss changes in the Medicare industry, during the COVID 19 crisis, and what these insurance carriers have done right and wrong….And believe me, Diane is not going to hold back!!! Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
Tonight we bring back one of our favorite guests, Mr. Peter Gelbwaks.Known throughout the Country as an expert and Pioneer in the Long Term Care Insurance industry, today we bring Peter back to speak on 2 more personal topics. Why he and his wife decided to be among the first people to get the new COVID 19 vaccine and how going without spending time with his children and grandchildren has affected their lives these past 9 months… This topic is very close to all of our hearts and we have lived with this burden, in one way or another, since March of 2020. Join us at 5:00 PM at WWW.WeBeamTV.com Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
Once again the topic of long-term care insurance takes front and center as we bring back two of our national panelists, Mr. Bill Comfort and Mr. Mark Goldberg. Both nationally recognized as experts in this field.But tonight we have a new person joining us, Mr. Keith Bercun, Regional Sales Director of OneAmerica.This is the first time we actually have a national Insurance Carrier on the show.OneAmerica is well known for their “Linked Benefits” products of which many people feel is the future of the long-term care insurance industry.But at least one of our panelists will probably disagree…This is going to be a great show!!!Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
Tonight we welcome Mr. Tunde Ogunlana, Founder of Axial Family Advisors, to our show for the first time.Tunde founded Axial Family Advisors in 2015, after having spent his career employed by one of the world's largest financial services firms at the time. Feeling limited in his ability to provided independent advice, along with the limitations that come with working at a large organization, the need to step out on his own and form a firm that would provide a holistic approach to working with clients was a natural progression.For his career, Tunde has earned the Series 7 and Series 66 (Investment Advisor Representative) securities registrations, as well as the Series 24, General Securities Principal registrations. Additionally, to expand his professional credentials, Tunde has earned the designation of Certified Fund Specialist (CFS), along with passing the CERTIFIED FINANCIAL PLANNER Practitioner™ exam in 2009. Tunde has served as an expert witness in several divorce cases in Broward County, Florida, in helping with portfolio distribution analysis and reviewing the complex nature of the financial picture in question. Guests:Peter Gelbwaks - peter@gelbwaks.com 954-684-2000Tunder Ogunlana - tunde@axialfamilyadvisors.com Direct: 954-453-7157 Tel: 954-453-7919 Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
Today our guest is Mr. Howard Krooks,Mr. Krooks' professional practice is devoted to elder and special needs law, estate planning and trusts and estates matters, including representing seniors and persons with special needs and their families in connection with asset preservation planning, supplemental needs trusts, Medicaid, planning for disability, estate planning, guardianship, wills, trusts and advance directives.Past President of the National Academy of Elder Law Attorneys (NAELA) which currently has members across the United States, Canada, Australia, and the United Kingdom.Howard Krooks –Elder Law Associates PAhkrooks@elderlawassociates.com(561) 750-3850 Peter Gelbwaks –Gelbwaks Executive Marketing Corp.peter@gelbwaks.com954-684-2000Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep 094Tonight our guest is National Real Estate Expert Mr. Johnny Lowey.Johnny Loewy, National Trainer, Speaker, and Founder/President of Align Right Realty, began his real estate career almost 30 years ago.Johnny was named a Top 50 REALTOR® in the US by The Wall Street Journal. While growing superstars within his offices, Johnny discovered his passion to train others. Johnny became a National Sales Trainer in 2008 and has trained 1000's of agents and brokers nationwide with amazing success and rave reviews. Johnny teaches the methods he has developed almost 30 years of trial and error; the exact methods, step by step, phrase by phrase, that ranked him in the Top 50 of 1.4 Million US REALTORS®. In addition to sales training for realtors, Johnny has also developed a proven recruiting process for broker/owners which he has applied in his own brokerages and trained dozens of brokers across North America to execute with amazing success.All of Johnny's students rave about his fun personality and vast knowledgeJoin us tonight as we discuss being in a rising rate environment, for the first time in several years, as well as COVID 19 still playing a very large role in our lives!Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 061Tonight, we bring back one of our favorite guests, Ms. Diane Daniels. Diane is a nationally known Medicare expert, who brings over ten years of health care experience to her community. She is the owner and Founder of Medicare Nation, which provides superior Medicare education to groups and individuals. Diane is the host & producer of Medicare Nation, an iTunes Top 200 podcast, dedicated to educating retirees and the adult children of seniors, everything they need to know about Medicare. Diane interviews expert guests, who discuss illnesses, injuries, and chronic ailments that affect Medicare benefits. Diane collaborates with politicians and national associations to advocate for her clients. You can listen to Medicare Nation on smartphones, tablets, and computers (www.TheMedicareNation.com). Just recently Medicare Nation was named the #1 podcast in the nation on the topic of Medicare Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 060In the second to last show of 2019, we bring back Mr. Mark Goldberg, President of FPS Insurance and one of the foremost experts on Long Term Care Insurance in the Nation.Our topic is going to the changing world of long-term care and the very positive changes that have been made to the industry that just might make 2020 the best year ever for millions of people that thought, they either couldn't afford this type of coverage or couldn't afford it.Join us WWW.WeBeamTV.com/live for 62WhoKnew at its best!!!Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 059Tonight or guest is Mr. Johnny Lowey a nationally known Speaker,Motivator and Innovator in the National Real Estate Industry.Johnny became a National Sales Trainer in 2008 and has trained 1000'sof agents and brokers nationwide with amazing success and rave reviews.Johnny teaches the methods he has developed almost 30 years of trial and error;the exact methods, step by step, phrase by phrase, that ranked him, by the Wall Street Journal,in the Top 50 of 1.4 Million US REALTORS®.Purchasing the right retirement home is crucial and tonight on62 Who Knew we will be discussing real estate trends over the past decade and how“longer life spans are greatly affecting the housing market of the future. Every generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Align Right RealtyNew Tampa: 18101 Highwoods Preserve Pkwy, Suite 110, Tampa, FL 33647Clearwater: 19321 US-19 N #C-607, Clearwater, FL 33764☎ (813) 512-2100https://www.alignrightrealty.com/home See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 058Tonight, our guests are Mr. Mark Goldberg & Mr. Bill Comfort.Mr. Mark Goldberg, President of FPS Insurance Agency in Frisco Texas. Mark and he and his company are part of the LTC Global Network.Bill is a national training specialist in the subjects of extended care planning and LTC insurance. He holds the Certified in Long-Term Care (CLTC)®, Certified Senior Advisor (CSA)®, and Long Term Care Claims Professional (LTCCP)® designations. He has served on the CSA® national faculty and as a CLTC® Master Class instructor since 2001 and is an approved insurance continuing education instructor in all 50 states.Our audience will be amazed at the plethora of options these two LTC professionals have available to all of us at this point in our lives… Every generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
Tonight our guest is Ms. Laura Banner Yes, She is back with even more information.By training, Laura is a certified family nurse practitioner. By passion, she is a dementia advocate.Because she is aware that dementia affects the entire family, she has a family-focused approach to treating her patients. Additionally, she is a certified Alzheimer's and dementia care practitioner. This training helps her to train those who care for dementia patients. When she isn't seeing patients in the clinic or the hospital, she can be found out in the community educating people about dementia in hopes of empowering others to increase community awareness of this devastating disease. She guest lectures to graduate students in the nurse practitioner program at the University of North Georgia and to the physician assistant students at Philadelphia College of Osteopathic Medicine.Every generation faces different complications when preparing for retirement.It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before!But make no mistake about it, longer life spans are a double-edged sword. It brings this generation new obstacles that no other generation has ever faced.The 62WhoKnew TV Show was created to help identify and solve these obstacles.Our guests will be experts from around the Country discussing topics like financial planning, long-term care insurance, social security, in-home care, reverse mortgages, Medicare, Medicaid, Do I need a Will or a Trust, travel, health, and so much more.Who knew I needed to have 25 years of cash reserve before I could retire…Who Knew I may have to work a lot longer than I anticipated?Who knew we were going to live this long?Really…who knew?Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692Mbanner@PMANOW.com See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 056Tonight we bring back one of our favorite guests, Ms. Diane Daniels.Diane is a nationally known Medicare consultant,who brings over ten years of health care experience to her community. She is the owner of Medicare Nation, which provides superior Medicare education to groups and individuals.Diane is the host & producer of Medicare Nation, an iTunes Top 200 podcast, dedicated to educating retirees and the adult children of seniors, everything they need to know about Medicare. Diane interviews expert guests, who discuss illnesses, injuries, and chronic ailments that affect Medicare benefits.Diane collaborates with politicians and national associations to advocate for her clients. You can listen to Medicare Nation on smartphones, tablets, and computers at www.TheMedicareNation.comJust recently Medicare Nation was named the #1 podcast in the nation on the topic of Medicare. Every generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 055Tonight, we bring back one of our favorite past guests, Ms. Carroll Golden Executive Director, LECP Center, of NAIFA. (National Association of Insurance and Financial Advisors)Carroll Golden is a forward-thinking organizational consultant and business strategist with a diverse international background holding senior leadership roles within the healthcare and insurance marketplace. Carroll is recognized by industry peers for her contributions in the long term care insurance (LTCI) field and is a frequent speaker and noted author across numerous professional benefits and financial services organizations.Almost one year ago, Carroll was here discussing one of the most far-reaching long-term care insurance platforms ever created, being introduced by NAIFA.This evening, we will find out exactly how this massive national project has progressed and discuss many other changes in the long-term care insurance world.Join us at 62WhoKnew WWW.Webeamtv.com/liveEvery generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 053Tonight 62 Who Knew Show welcomes back Mr. Mark Goldberg, President of FPS and a leader in the National long-term care insurance arena.And for the first time, we are welcoming Mr. Peter Gelbwaks, nationally known as a pioneer in the long-term care insurance industry.Join us as we look at the ever-changing world of long term care insurance and why longer life spans demand the masses be prepared for the mixed blessing of living to 90 and beyond.,Every generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 052Tonight our guest is Ms. Diane Daniels Host and Founder of the most successful podcast in the nation on the topic of Medicare.This is Diane's third appearance on the show and tonight we discuss the very timely subject of “Medicare for All” a proposal presented by Senator Bernie Sanders to cover all Americans!Does this plan have merit, strengths, or weaknesses?Tune in tonight and find out as our National Medicare expert gives her views on this relevant topic for all!Founder of Medicare Nation, the largest podcast in the nation on the topic of Medicare,and well know national expert.Here we have the government-funded Medicare industry representedas well as the privately funded long term care insurance world,by two of the best professionals in both worlds.These two industries should be working hand in hand to ensureall Americans have the proper coverage.Every generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 051Tonight our guest is Ms. Marjorie Gelbwaks Schaefer is a 1998 graduate of Florida Atlantic University where she received her Fine Arts degree. During her Junior year in college, she traveled around the world with the Institute of Shipboard Education experiencing numerous cultures while broadening her worldwide perspective. Directly after graduation, Marjorie entered into the insurance business and spent the past 21 years at Gelbwaks Executive Marketing Corp. Working as an integral part of the management team. Marjorie's area of specialty during her entire tenure has been in the areas of Life and Disability insurance. This focus has enabled her to achieve the membership status of the Million Dollar Round Table at its highest level for the past decade. The Top of the Table recognizes the top 1% of insurance professionals in the entire world. Marjorie was the only female officer of the Diversified Marketing Group where she held the office of Vice President. This entity is a national marketing company of Life Insurance experts operating throughout the United States. Join us tonight www.webeamtv.com/live Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 050Tonight we bring back Mr. Colin Castle, Director of Sales and Marketing at Home Instead Senior Care.Home Instead Senior Care is the largest non-medical in-home care company, which focuses onhelping seniors with the daily activities they need to engage in to remain safe and healthy, in the Country today.Colin's first appearance in the summer of 2018 was one of our most popular shows.Tonight we will be discussing the 40/70 rule, what should your 70-year-old self be discussing with your 40-year-old children.This is a topic that touched every family in every wake of life!!!'See LessJoin us tonight WWW.WeBeamTV.com/LiveEvery generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.
62 Who Knew ?!? Ep. 049Tonight, our guest is Mr. Marc Glickman, FSA, CLTC, LTCP, and is co-founder of www.buddyins.com a community of client-centric long-term care planning experts. His mission is to help families across the country get a long-term care plan and support the 40 million caregivers in the United States.Marc has over a decade of experience as a long-term care actuary. He is an expert in long-term care insurance financing, pricing, and benefits. He has trained thousands of long-term care specialist agents across the country and serves on the Board of Advisors for the Certification for Long Term Care (CLTC) training designation. Marc has unique insight into the inner workings of insurance as he has consulted for many long-term care insurance companies to help design their products.Join us tonight WWW.WeBeamTV.com/LiveEvery generation faces different complications when preparing for retirement. It will always be this way…But this generation is facing an issue like none other before it.And that issue is Longer lifespans! That's right, people are living longer than ever before! But make no mistake about it, longer life spans are a double-edged sword.Michael L. BannerPresident & CEOProfessional Mortgage Alliance, LLC.E-Mail – mbanner@pmanow.comCell – 727-224-3859NMLS# - 386692 See acast.com/privacy for privacy and opt-out information.