Fostering Financial Victories

"Want to know how to feel your best AND stop spending money on clothes you won't wear? Melinda Savage has you covered! How to connect with Us and Our Guest: Melinda Savage on Instagram: @houseofcolour_melindasavage Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXlgLTS3vq9VkxTMo"

"Performance coach and keynote speaker Jordan Montgomery joins Erik, Bri, and Rob to discuss the winding road that led him to work with professional athletes, entrepreneurs, and executives, sharing some tips he has learned along the way. Resources referenced: Craig Groeschel's Leadership Podcast ""The Self-Aware Leader"" by John Maxwell Connect with Us and Our Guest: Jordan Montgomery: Montgomerycompanies.com | Instagram: @JordanMMontgomery Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXlgLTS3vq9VkxTMow"

"If the phrase ""Tax Time"" gives you the W-2 blues, should you look into hiring a CPA? Smith Webster gives us the pros and cons of hiring someone, and what to look for in a CPA other than just anyone willing to do your taxes for you. IMPORTANT DISCLOSURE: The information contained herein is for illustrative purposes only and should not be used as specific tax advice. Other facts and circumstances for which we are not aware could render this information incomplete or inaccurate. The information contained in this material is subject to change as tax code revisions occur. How to Connect with us: Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXlgLTS3vq9VkxTMow"

We enlisted one of the most passionate people we know to help us talk about purpose, passion, and how to live out both. Tabi Cooper brings her positivity to an episode sure to leave you fired up! How to connect with us and our guest: Tabi's Website: TLJCooper.com Tabi's Email: TabithaJoCooper@gmail.com Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXlgLTS3vq9VkxTMow

Tina Stevens, Chief Problem Solver of Secondary Solutions, joins Emily and Bri to talk about the importance of mentorship and supporting local businesses, also discussing what it's like working in a male-dominated industry. How to connect with us & our guest: Secondary Solutions: https://www.getproblemsolved.com/ Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXlgLTS3vq9VkxTMow

Jonathan McAdams joins Erik and Bri to talk about the current state of the stock market, the factors driving it, and what could come next. How to connect with us: Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXlgLTS3vq9VkxTMow

Kent Barber has gone from bar tending in the Caribbean to owning Daybreak Investors. He sat down with Erik and Bri to talk about the importance of finding your purpose and the people who will support you along the way. How to connect with us and our guest: Kent's Email: Kent@DaybreakInvestors.com Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors Youtube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

How does an athletic trainer for the Buffalo Bills end up owning a growing holistic chiropractic facility in Greenville? Dr. Michael Nelson joins Emily and Bri to talk about what makes the Greenville small business community so unique and shares some tips and tricks he's learned along the way. How to connect with us and our guest: Carolina Active Health: 864-881-2242 or CarolinaActiveHealth.com Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Erik, Bri and Gordon sit down to discuss importance of financial literacy. They cover how to prioritize your approach, avoiding paralysis by analysis, and what you can do today to help build financial momentum. How to connect with us: Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

The probate process can be difficult to understand, but Ruth Dipasquale makes it look, and sound, easy in this week's episode! How to connect with us and our guest: Ruth DiPasquale: RuthLawFirm.com or Ruth@RuthLawFirm.com Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

When Dr. Brian Thurston gave the Foster Victor team a talk on feedback, we knew it was one we wanted to share with our podcast listeners. Whether you need to get someone to listen to you in an operating room or get a coworker to stop wearing flip-flops, he's got you covered. How to connect with us: Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

In our final episode of 2021, Bob Taylor joins Erik to look back on the year's market events. How to connect with us: Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Topics to avoid at Thanksgiving: religion, politics, and money. What we're talking about today: Money. Here are a few tips to talk to your family about it over the holidays and still be on good terms on New Year's Day. How to connect with us: Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Whether you start shopping in March, like Kylie, or on December 21st, like Erik, we've got some tips for checking off gifts for everyone on your Nice list without ending up on your credit card company's Naughty list. How to connect with us: Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/ UCk43zuXIgLTS3vq9VkxTMow

Emily Butler and Rob Coleman sit down to discuss how to make the most of your child's college experience while taking the least out of your pocket. How to connect with us and our guest: Emily's Website: www.butlercollegecounseling.com Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: www.youtube.com/channel/UCk43zuXIgLTS3vq9Vkx

We hear it often - should I rent, buy, or build? Local specialists Caleb LeGrand and Morgan Coleman join Erik to share the pros and cons of each and give some insight on what they see coming up next in the real estate market. How to connect with us and our guests: Morgan Coleman: 864-313-7639 | Morgan@JHA-SouthebysRealty.com Caleb LeGrand: 864-569-0741 | CalebLeGrand.com Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Erik and Jonathan hit on market headlines so far this year including international markets, inflation, and job numbers. What's true, what's speculation, and what does it all mean? How to Connect with us: Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Austin Taylor and Cam Sallé tell you what it takes to get to the closing table without drowning in paperwork and legal jargon first. How to Connect with us and our guest: Cam Sallé: SalleGalloway.com Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Video game developer and YouTube creator Thomas Brush stops by the podcast to teach Rob and Erik everything he knows about marketing, the power of authenticity, the impact of social media, and why he gives away his knowledge to hundreds of thousands of YouTube subscribers for free. How to connect with us and our guest: Thomas Brush: https://www.youtube.com/c/AtmosGames Thomas@fulltimegamedev.com Connect with a Wealth Coach: Info@FosterVictor.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

What happens when Emily quizzes Jenny and Erik on some popular money idioms? Spoiler alert: We wouldn't bet our bottom dollar on guessing the winner! How to Connect with us: Connect with a Wealth Coach: Info@FosterVictorWA.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

How do you get your child to pick saving for a car or college over a new toy from the store? Ashley, JR, and Erik tackle the money conversation from both sides of the coin - lessons learned to lessons taught, and everything in between. How to connect with us: Connect with a Wealth Coach: Info@FosterVictorWA.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

It's no secret the real estate market is white hot right now. Barb and Carley Riggs join Erik to give a peek behind the curtain of what's really going on and share tips for buying or selling a home, and what to expect if you want to become a real estate agent. How to connect with us and our guests: Carley's Email: Carleyriggs@Marchantco.com Carley's Cell Phone: 864-541-5291 Carley's Instagram: @CarleyRiggsRealtor Barb's Email: Barbriggs@Marchantco.com Barb's Cell Phone: 864-423-2783 Connect with a Wealth Coach: Info@FosterVictorWA.com Instagram: @FosterVictorWealthAdvisors Youtube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Since Katie Sanders and Erik Mizell are two of the only people in the Foster Victor office able to resist the candy jar, they are the perfect pair to discuss the parallels between financial and physical fitness, and how to be successful at both. How to connect with us: Connect with a Wealth Coach: Info@FosterVictorWA.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Many people don't think about insurance coverage until they need it, which typically means it's too late. Dante Russo & Bri Prosser join Erik to discuss how your home & auto insurance works for you, and why the cheapest option isn't necessarily best. How to connect with us and our guests: Dante Russo: Dante@sdrins.com Connect with a Wealth Coach: Info@FosterVictorWA.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

Thinking about starting a business? Erik is joined by Ronnie Colson, Senior Vice President of Ameris Bank, and Anthony Herrera, Executive Director of Furman University's Office for Innovation and Entrepreneurship, to talk about what they've seen work best (and worst), from startup ideas to business planning and funding. How to connect with us and our guests: Ronnie Colson: Ronnie.Colson@AmerisBank.com Anthony Herrera: Innovation@Furman.edu Connect with a Wealth Coach: Info@FosterVictorWA.com Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

While some athletes are indulging in bottle service, Major League Soccer player Walker Zimmerman is getting prepped for baby bottles. Erik Mizell and Rob Victor sit down to talk with him about the importance of defending your own financial goals. How to connect with us and our guests: Instagram: @FosterVictorWealthAdvisors, @TheWalkerZim YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow

It's what everyone is talking about, but how much do you know about cryptocurrency? Erik is joined by Jack Neil of Hank AI, Inc. to talk through the ins and outs of Bitcoin, Ethereum, and more. They cover how it works, why it's so volatile, the importance of sticking to a plan and not making decisions based on emotion when it comes to investing. How to connect with us: Jack Neil: https://www.linkedin.com/in/jackneil Instagram: @fostervictorwealthadvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: info@fostervictorwa.com

Rand & Erik look back on the last 12 months to discuss the very unusual market activity we've seen and talk about what experts think the next year will hold. Materials Referenced: Blackrock “There’s always a reason to sell stocks…”: https://s3.amazonaws.com/static.contentres.com/media/documents/fce7f90a-27c7-4b30-a29b-310f96845a93.pdf JP Morgan “Guide to the Markets 1Q 2021”: https://am.jpmorgan.com/us/en/asset-management/institutional/insights/market-insights/guide-to-the-markets/ How to connect with us: Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

Erik & Rob explain how a financial planner can help you build a solid foundation for your financial future at any age. The biggest asset you have on your side is time for compound interest to work its magic; you just have to make the decision to get started. How to connect with us: Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

Foster Victor Attorney Austin Taylor joins Erik to talk about the basics of estate planning: · What makes up an estate plan? · When do you need one & why is it important? · How much does it cost and how long does it take? How to connect with us: Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

Who knows the most about FVWA and the work we do? In the first episode of 2021, Garrett & Erik put their game faces on while Emily hosts a “Stump the Coach” trivia session. See if you can keep up! How to connect with us: Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

The clock is Tik-Tok-ing toward the end of the year! Client Engagement Specialist Emily Edwards (who happens to be our resident social media guru) joins Erik to go over the highlight reel of things to get done before the holiday season and the end of the year arrive. How to connect with us: Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

Are you worth more alive or dead? 2020 hasn't killed us yet, but let's talk about life insurance anyway. McCreight & Sarah join Erik on this week's episode to discuss the stigma around insurance planning and why people avoid it. How to connect with us: Instagram: @FosterVictorWealthAdvisors YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

Erik is joined by Rand Baughman on this episode to talk through the most common question we are hearing from clients and friends: What is going to happen with the markets if [insert either candidate] wins the election? Erik and Rand take a look back at previous election cycles and explain why you shouldn't lose any sleep over it. Please check out our 3-part series that provides further insight on this topic. https://fostervictorwa.com/market-commentary-august-2020-elections-vs-the-market-part-one-the-hoax-of-the-presidential-cycle/ https://fostervictorwa.com/market-commentary-september-2020-elections-vs-the-market-part-two-party-on/ https://fostervictorwa.com/market-commentary-october-2020-elections-vs-the-market-part-three-bad-timing/

This summer we moved to our new permanent home in the historic Hayne School building on Toy Street. In the latest Fostering Financial Victories episode, Jenny Hagadorn talks with Erik about the history of the building, and Kylie Felker explains how she tackled the massive project of coordinating a total renovation and office move during a pandemic.

The change in seasons doesn't just mean football, bonfires, and sweater weather. October 15th kicks off open enrollment for Medicare, which means if you need to make changes to your health insurance the next few months are very important. In our latest podcast episode, Erik is joined by Erica Rector of Farm Bureau Insurance to clarify the ins and outs of Medicare and discuss the details you need to know to successfully navigate the decision making process. How to connect with us: Instagram: @FosterVictorWealthAdvisors, @ErikMizell @EricaSRector YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

The latest episode of Fostering Financial Victories looks at how children can impact your financial plan. Guests Michelle & David Seaver talk with Erik & McCreight about how they planned for new expenses and balanced short term spending with education planning.

In our latest podcast episode, Erik is joined by Rob Victor and local business owner Josh Newton of Freedom Interiors, Inc to discuss the impact of the last several months on small businesses. Change can be hard, especially in a business setting. Josh & Rob talk about the need to be flexible and what they have learned from the business decisions they have made this year in a rapidly changing environment.

What can you do to create momentum to finish the year out strong and achieve your 2020 goals? As a follow up to our very first episode featuring Ben Newman, FVWA Principal Paul Foster joins Erik to discuss staying positive about the opportunities still available this year. How to connect with us: Instagram: @FosterVictorWealthAdvisors, @ErikMizell YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

What do you wish you knew 35 years ago about managing your finances? In today's episode of Fostering Financial Victories, Erik is joined by retired Greenville physician Bill Craig to talk about what Bill would have done differently with his finances if he had had a crystal ball 35 years ago, how he handled planning for the future, and mistakes he's made along the way. How to connect with us: Instagram: @FosterVictorWealthAdvisors, @ErikMizell YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

In this episode, Erik is joined by Foster Victor’s Operations & Compliance Analyst Shannon Dermody to talk about learning to manage your money as you begin navigating the professional world. They discuss strategies to get your budget under control faster than greased lightning, how to plan for saving and building credit, and why all of this is important. How to connect with us: Instagram: @FosterVictorWealthAdvisors, @ErikMizell YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

As a follow up to the last episode, Erik is joined by JoEllen & Frank DeLuca to continue the conversation on why money is so hard for couples to discuss. Today, we get insight from JoEllen & Frank about tips they have found helpful in over 30 years of marriage to establish common ground on how to manage household finances. How to connect with us: Instagram: @FosterVictorWealthAdvisors, @ErikMizell YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

This is the one you don’t want to miss. Joined by Stacy and Rand Baughman, Erik brings up what could be the most controversial topic for married couples besides talking about religion or politics. Today, we get insight from Stacy and Rand about tips they have found to be helpful in reaching common ground on how to manage household finances. It doesn’t always have to end with someone being upset about “the talk.” How to connect with us and our guests: Instagram: @FosterVictorWealthAdvisors, @ErikMizell, @TheRando6, @StaceMetzBaugh YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

Erik is joined today by Greenville mortgage expert Caleb LeGrand and Wealth Coach Garrett Hyer to discuss some of the “must know topics” of real estate. For most people, buying a home will be the single largest purchase you may ever make, so we want to be sure that you don’t walk into it blindly. Caleb brings a wealth of knowledge about navigating mortgage decisions and helps make what can be an intimidating process a success. How to connect with us and our guests: Instagram: @FosterVictorWealthAdvisors, @ErikMizell, @CLeGrandTeam YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow The Caleb LeGrand Team: https://www.apexhomeloans.com/caleblegrand Connect with a Wealth Coach: Info@FosterVictorWA.com

In this unscheduled episode, Erik is joined by CPA Chris Arthurs, and Wealth Coach Rob Coleman to discuss the details surrounding the recent Cares Act that has been passed to provide relief in regards to the recent Coronavirus pandemic. They dive into the details on how this will provide help for both the Small Business Owner, and the individual taxpayer. Foster Victor Small Business Resources in Response to COVID-19: https://fostervictorwa.com/small-business-resources-in-response-to-covid-19/ Coronavirus Tax Relief: https://www.irs.gov/coronavirus-tax-relief-and-economic-impact-payments How to connect with us and our guests: Instagram: @FosterVictorWealthAdvisors, @ErikMizell, @RTColeman4, YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Arthurs and Company CPA: www.ArthursAndCompanyCPA.com

In this episode, Erik is joined by Wealth Coach McCreight King and CPA Tim Moxie of Upstate Professional CPA Services to dive into a discussion around the current landscape of taxes. They talk through recent changes in the tax code as it pertains to the passage of the SECURE Act, along with changes made in response to the Coronavirus pandemic. Tim brings a wealth of knowledge that will be applicable to both the individual taxpayer and the small business owner. Foster Victor Small Business Resources in Response to COVID-19: https://fostervictorwa.com/small-business-resources-in-response-to-covid-19/ Coronavirus Tax Relief: https://www.irs.gov/coronavirus-tax-relief-and-economic-impact-payments Foster Victor SECURE Act Information: https://fostervictorwa.com/secure-act/ 6 Things you should know about the SECURE Act: https://www.schwab.com/resource-center/insights/content/new-retirement-savings-law-6-things-you-should-know-about-secure-act Tax deadline date changes: https://www.schwab.com/resource-center/insights/content/tax-deadlines-extended-due-to-coronavirus How to connect with us and our guests: Instagram: @FosterVictorWealthAdvisors, @ErikMizell, @TheMox1, @McCreightKing YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Upstate Professional CPA Services: www.upstatecpallc.com/

The next episode of the Fostering Financial Victories podcast features Furman University's Athletic Director Jason Donnelly and Foster Victor Principal & Furman Soccer alum Rob Victor. They discuss the value of having a coach to help push you to achieve your goals and improve your day to day performance with host Erik Mizell. How to connect with us and our guests: Instagram: @FosterVictorWealthAdvisors, @ErikMizell, @FurmanUniversity @FurmanPaladins @Borvicuk YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

In the second episode of this two-part series, Senior Helpers owner Courtney Bohman talks with Erik about the importance of knowing your loved ones' wishes regarding care and understanding the options available. They also spend time talking through how families may approach paying for this type of service. Learn More About: Senior Helpers: https://www.seniorhelpers.com/sc/greenville Senior Ship It: https://www.seniorshipit.com/ Medicare: https://www.medicare.gov/coverage/long-term-care National Institute On Aging: https://www.nia.nih.gov/health/what-long-term-care Understanding Long term care insurance: https://www.aarp.org/health/health-insurance/info-06-2012/understanding-long-term-care-insurance.html How to connect with us and our guests: Instagram: @FosterVictorWealthAdvisors, @ErikMizell, @CourtneyChapmanBohman YouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow Connect with a Wealth Coach: Info@FosterVictorWA.com

In Part One of this two-part series, Senior Helpers owner Courtney Bohman talks with Erik about the importance of knowing your loved ones' wishes regarding care and understanding the options available.

Learn More About:Lindley’s alliance:   https://lindleymayer.com/philanthropy/Meyer Center: https://meyercenter.org/Special Olympics: https://www.specialolympics.org/Hands on Greenville: http://www.handsongreenville.org/Dabo Swinney’s All In Foundation: https://www.dabosallinteam.com/Shock Dance Studio:  https://www.shockdancebylindley.com/ How to connect with us and our guests:Instagram:   @LindleyMayer,  @GordonGull, @ErikMizell, @FosterVictorWealthAdvisorsYouTube: https://www.youtube.com/channel/UCk43zuXIgLTS3vq9VkxTMow