Podcasts about simply financial

Christopher Calandra is the founder and principal of Elliott Wealth Management Services, LLC which has offices in Connecticut and Florida. Chris is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with over twenty-nine years of experience helping entrepreneurs, retirees, and families achieve their financial goals and objectives. He provides each client with individual attention and tailored strategies to achieve their goals. He is committed to devoting as much time and effort possible to clients to explain financial concepts, strategies, and investment alternatives in a way that is easily understood; allowing his diverse client base to make informed financial decisions. Chris is also the host of the Simply Financial podcast.   In this episode, Christopher talks about how long interest rates are helping to drive up real estate values and how demographics, the pandemic, and the lack of available homes are all contributing to the current run-up in prices. He recommends listeners check out his website for more information on passive income and how to achieve their goals using it at Elliott Wealth Management Services, LLC!   [00:01 - 10:51] Opening Segment   Christopher sees the real estate market as being driven by low-interest rates, low inflation, and population growth       [10:52 - 10:16] How lower Interest Rates Affect Inflation The Federal Reserve has been lowering interest rates to spur economic growth Lower rates could become less effective if the economy slows down or another recession occurs Inflation is increasing, and the government has reported that it is only temporary The potential consequences of the amount of money in the economy   [10:17 - 34:13] How Real Estate Prices Drive The Economy The main drivers of real estate prices are: Home economy Limited housing supply Increased demand Real estate prices will eventually go down as a result of the different drivers of economy   [34:14 - 41:12] Closing Segment Christopher shares valuable insights and information on passive income Christopher shares where you can get in contact with him (links below) Quote/s: “If enough people think something's going to happen, they may actually bring about that outcome just by changing their behavior in the marketplace.” – Christopher Calandra You can connect with Christopher through his: Website: Elliott Wealth Management Services, LLC  Facebook: Elliott Wealth LinkedIn: Elliott Wealth Twitter: Elliott Wealth WANT TO LEARN MORE?   Connect with me through LinkedIn   Or send me an email at sujata@luxe-cap.com   Visit my website www.luxe-cap.com or my YouTube channel   Thanks for tuning in!   If you liked my show, LEAVE A 5-STAR REVIEW, like, and subscribe!

Christopher Calandra is the founder and principal of Elliott Wealth Management Services, LLC which has offices in Connecticut and Florida. Chris is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with over twenty-nine years of experience helping entrepreneurs, retirees, and families achieve their financial goals and objectives. He provides each client with the individual attention and tailored strategies to achieve their goals. He is committed to devoting as much time and effort possible with clients to explain financial concepts, strategies, and investment alternatives in a way that is easily understood; allowing his diverse client base to make informed financial decisions. Chris is also the host of the Simply Financial podcast.  Chris has been involved in Real Estate Investing for over 27 years. He bought his first investment property at the age of 23. His experience includes new home construction, flipping, residential income properties, commercial income properties and creative financing. His current portfolio includes single family, multi-family and commercial income producing properties. His proficiencies include investing, remodeling, maintenance, and reselling https://elliottwealth.com

Today on CFO at Home, Christopher Calandra, Founder & Principal of Elliott Wealth Management Services, is back with Vince to discuss college costs; taking a “buyer beware” approach to the subject, recognizing a school's “pitch”, an important thing to recognize about Financial Aid packages, and more. Key Takeaways: A college or university's first allegiance financially is to the institution, not the student or their family. The ultimate responsibility of weighing the costs and benefits should lie with the consumer.  Parents have to stop believing that paying any sum of money for the child to go to college, disregarding any financial discipline, is a sign of love. Time is one of your greatest allies in building wealth. Student loan debt cripples a student's ability to save and invest, particularly in the early stages of their working lives. Parents often end up damaging their financial future by taking on debt for their child's education or funding that education at the expense of investing/saving for their own retirement Be sure to that you understand the nature of the Financial Aid being offered by a school (scholarship, grant, loan, etc)  Earning credits at a  community college then transferring to a 4 year school is one frequently recommended way of reducing the cost of earning a 4 year degree. One challenge with this strategy can be the limited number of slots available for transfers into 4 year institutions.  Handled correctly, the process of paying for college can be a valuable financial education experience for young adults   Ways to contact/follow: Simply Financial podcast Elliott Wealth Management Services  Contact the Host - vince@thecfoathome.com

Hey! Jason Yarusi here.New episode alert for the Multifamily Live Podcast…Christopher Calandra has been involved in Real Estate Investing for over 27 years. He bought his first investment property at the age of 23. His experience includes new home construction, flipping, residential income properties, commercial income properties, and creative financing. His current portfolio includes single-family, multi-family, and commercial income-producing properties. His proficiencies include investing, remodeling, maintenance, and reselling.Chris is the founder and principal of Elliott Wealth Management Services, LLC which has offices in Connecticut and Florida. Chris is also the host of the Simply Financial podcast. Chris is a CERTIFIED FINANCIAL PLANNER (CFP) with over 29 years of experience helping entrepreneurs, retirees, and families achieve their financial goals and objectives. He provides each client with individual attention and tailored strategies to achieve their goals. He is committed to devoting as much time and effort possible with clients to explain financial concepts, strategies, and investment alternatives in a way that is easily understood; allowing his diverse client base to make informed financial decisions. Listen in now!Connect With Christopher CalandraWant to learn more about Christopher? Visit ElliottWealth.com, or reach out to him directly at ccalandra@elliottwealth.com!Links and ResourcesIf you're an experienced real estate investor and you're ready to get around a community of active multifamily real estate investors who will support you, hold you accountable, and push you to set goals that inspire you as you grow your business, check out 7 Figure Multifamily and see if it looks like a good fit. If it is, I invite you to join in. If you have any questions, please reach out!- CLICK HERE: https://7fm.7figuremultifamily.com/join7fm====================Want to continue your multifamily real estate journey? Here are a few more resources to check out...Multifamily Live Podcast: Subscribe and get more episodes like this one delivered to you every week! Click Here: https://www.7figuremultifamily.com/multifamily-live-podcastFacebook Group: We've built a community of serious investors who are learning and growing their businesses together. Join the Group on Facebook: https://www.facebook.com/groups/multifamilylive/7FigureMultifamily.com: Learn more about who we are, our mentoring groups, upcoming events, and the causes we support at our website. Plus, grab some free downloads and other materials to help you on your real estate investing journey! Click Here: https://www.7figuremultifamily.com/ See acast.com/privacy for privacy and opt-out information.

Chris Calandra is the Founder & Principal of Elliott Wealth Management Services, a Certified Financial Planner with over twenty-six years of experience helping entrepreneurs, retirees, & families achieve their financial goals & objectives, and the host of the Simply Financial podcast. On this episode of CFO at Home Chris and Vince discuss Chris’ 7 Wealth Building rules and more. Key Takeaways: Chris’ 7 Wealth Building Rules Setting Your Goals – Think short-term, mid-term & long- term. Financial success is based on having both long-term, written goals, and a series of short and mid-term tactical plans to get you there  Be Prepared – Get educated & do your homework Often falls to the “CFO at Home” Develop a Wealth Building Plan – Figure out how to position  assets & deploy income. Figure out what resources/assets you have Make sure those assets are positioned well positioned How do those investments compare with alternatives? Have a specific plan for your discretionary income You Need A Team – Building wealth is not a one-person task. We all need a little help. You need a team. Track Your Progress – Money is not the most important thing in life, but it is important. You need to track your progress by using tools like a personal net worth statement.  Personal Net Worth Statement Personal Equivalent of a Business Balance Sheet Assets listed line by line (money in the bank, retirement accounts,etc)  Debt listed line by line (Credit Cards, Student Loans, etc) Net Worth = Total Assets - Total Debt Regularly track your goals against your Net Worth Diversification – Spread your assets & your risks around. Diversification can not only refer to the mixture of stocks and bonds in your portfolio, but also to things like having an emergency fund, having some exposure to real estate, avoiding having too much invested in a single stock, etc.     Be Careful With Debt – Avoid debt that comes from living above your needs. Be cautious about using debt to acquire assets Avoid debt that comes from living above your means Becoming debt-free can become more important as you approach retirement Ways to contact/follow: Simply Financial Podcast Elliottwealth.com Contact the Host - vince@thecfoathome.com

Learn about how FDIC & SIPC Insurance works and how it protects you. Thanks to FDIC & SIPC Insurance, you can feel safe knowing your bank account or brokerage account is protected in the extremely rare event your bank or brokerage firm goes out of business. However, these insurance policies do not affect the loss or gain from an investment. Learn more in this episode of Simply Financial.

Is it beneficial to take social security benefits at age 62 or later? Everyone’s circumstances are different but in this episode of Simply Financial, Chris Calandra clears up some social security misconceptions that may make listeners want to adjust their strategies. 

Welcome to the simply financial podcast, I’m your host Christopher Calandra. I am a Certified Financial Planner with over 28 years of experience. My goal in creating Simply Financial is to help you increase your financial IQ. We upload an episode every Tuesday at 8 am EST. You can find us on Apple Podcasts and Stitcher. If you have any questions about me or my practice, visit my website at elliottwealth.com. Thank you so much for listening and stay tuned!

Is it beneficial to take social security benefits at age 62 or later? Everyone's circumstances are different but in this episode of Simply Financial, Chris Calandra clears up some social security misconceptions that may make listeners want to adjust their strategies.

Welcome to the simply financial podcast, I’m your host Christopher Calandra. I am a Certified Financial Planner with over 28 years of experience. My goal in creating Simply Financial is to help you increase your financial IQ. We upload an episode every Tuesday at 8 am EST. You can find us on Apple Podcasts and Stitcher. If you have any questions about me or my practice, visit my website at elliottwealth.com. Thank you so much for listening and stay tuned!

Is it beneficial to take social security benefits at age 62 or later? Everyone's circumstances are different but in this episode of Simply Financial, Chris Calandra clears up some social security misconceptions that may make listeners want to adjust their strategies.

Welcome to the simply financial podcast, I’m your host Christopher Calandra. I am a Certified Financial Planner with over 28 years of experience. My goal in creating Simply Financial is to help you increase your financial IQ. We upload an episode every Tuesday at 8 am EST. You can find us on Apple Podcasts and Stitcher. If you have any questions about me or my practice, visit my website at elliottwealth.com. Thank you so much for listening and stay tuned!

Due to the financial downturn from the Coronavirus, the US government has taken steps to give Americans some relief. In this episode of Simply Financial, Chris outlines four beneficial areas of the CARES Act.

Due to the financial downturn from the Coronavirus, the US government has taken steps to give Americans some relief. In this episode of Simply Financial, Chris outlines four beneficial areas of the CARES Act.

Paul Durso, Emotional Decision Making, Financial Planners Charlotte, NC, Retirement Planning https://insightfolios.com Do you have a plan for your financial future that helps to inform your decision making? Or do you allow money to trigger emotional decisions? In this podcast, Paul Durso and Charlie Bowers look at the effects of growing up poor and the effects of growing up well-to-do can have on financial decision making. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice.

The SECURE Act was signed into law December 20, 2019. It is complex, and may affect your retirement plans as well as your legacy planning and trusts. Paul Durso and Charlie Bowers look at some key points in the SECURE Act and how they may affect retirement and legacy planning for you and your family. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. . Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

The SECURE Act was signed into law December 20, 2019. It is complex, and may affect your retirement plans as well as your legacy planning and trusts. Paul Durso and Charlie Bowers look at some key points in the SECURE Act and how they may affect retirement and legacy planning for you and your family. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. . Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

As your retirement approaches, or perhaps as it runs its course, do the larger happenings in the world matter to you? The results of the 2020 presidential election, the dwindling Social Security Trust Fund, the Trade War with China... how much should these things really concern you on a personal level? Paul and Charlie will give you some insight on how they approach these matters. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. . Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

We are a financial planning organization and we want to talk with you about...Lindy is an Associate Advisor and is responsible for coordinating the financial planning and customer service efforts of Elliott Wealth Management Services, LLC.  Lindy is a licensed professional and holds a Series 7 (General Securities) registration and Series 66 (Combined State Law) registration. She is process oriented, organized, detailed and she is committed to the goal of making every client a raving fan of Elliott Wealth. Towards that end, Lindy is committed to devoting as much time and effort as possible to explain financial concepts, strategies and investment alternatives in a way that is easily understood, allowing EWMS's diverse client-base to make informed financial decisions

We are a financial planning organization and we want to talk with you about...Lindy is an Associate Advisor and is responsible for coordinating the financial planning and customer service efforts of Elliott Wealth Management Services, LLC.  Lindy is a licensed professional and holds a Series 7 (General Securities) registration and Series 66 (Combined State Law) registration. She is process oriented, organized, detailed and she is committed to the goal of making every client a raving fan of Elliott Wealth. Towards that end, Lindy is committed to devoting as much time and effort as possible to explain financial concepts, strategies and investment alternatives in a way that is easily understood, allowing EWMS's diverse client-base to make informed financial decisions

We are a financial planning organization and we want to talk with you about...Lindy is an Associate Advisor and is responsible for coordinating the financial planning and customer service efforts of Elliott Wealth Management Services, LLC.  Lindy is a licensed professional and holds a Series 7 (General Securities) registration and Series 66 (Combined State Law) registration. She is process oriented, organized, detailed and she is committed to the goal of making every client a raving fan of Elliott Wealth. Towards that end, Lindy is committed to devoting as much time and effort as possible to explain financial concepts, strategies and investment alternatives in a way that is easily understood, allowing EWMS's diverse client-base to make informed financial decisions

What to look for in your Financial Advisor

Social Security often comes with a lot of questions - when is the "perfect" time to start taking it, is the system going to run out of money, do I consider social security as part of or separate from my "other" finances... Paul and Charlie look at some of the common myths and beliefs surrounding social security. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

We are a financial planning organization and we want to talk with you about... Lindy is an Associate Advisor and is responsible for coordinating the financial planning and customer service efforts of Elliott Wealth Management Services, LLC.  Lindy is a licensed professional and holds a Series 7 (General Securities) registration and Series 66 (Combined State Law) registration. She is process oriented, organized, detailed and she is committed to the goal of making every client a raving fan of Elliott Wealth. Towards that end, Lindy is committed to devoting as much time and effort as possible to explain financial concepts, strategies and investment alternatives in a way that is easily understood, allowing EWMS's diverse client-base to make informed financial decisions

What to look for in your Financial Advisor

There are some surprising similarities that can be drawn between raising kids and financial planning, and Paul and Charlie delve in to discuss them in this week's podcast. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

Looking back: After a year of fruitless economic worries, the expansion still has momentum.Tensions with China are finally easing, and the summer’s heated rhetoric had little impact on trade flows.The Treasury yield curve inverted steeply before flattening, leaving little discernible impact on the real economy.Headwinds slowed the manufacturing sector but barely affected the overall expansion.The new normal: The top of this business cycle has been confusing. Past expansions saw much faster growth, but the aging workforce has changed the rules of economic prosperity.The last recession masked America’s demographic transformation—for a full decade, slack in the labor market hid the impact of baby-boomer retirements.But now that the US is back to full employment, the aging workforce may only be able to sustain a 2 percent pace of GDP growth.Unemployment is at a record low and productivity at a record high.Slowing growth isn’t a sign of weakness: What matters more than GDP is how close the economy is to its full potential.

Guest: Dean Nicholson, CFP

Looking back: After a year of fruitless economic worries, the expansion still has momentum. Tensions with China are finally easing, and the summer’s heated rhetoric had little impact on trade flows.The Treasury yield curve inverted steeply before flattening, leaving little discernible impact on the real economy.Headwinds slowed the manufacturing sector but barely affected the overall expansion. The new normal: The top of this business cycle has been confusing. Past expansions saw much faster growth, but the aging workforce has changed the rules of economic prosperity. The last recession masked America’s demographic transformation—for a full decade, slack in the labor market hid the impact of baby-boomer retirements.But now that the US is back to full employment, the aging workforce may only be able to sustain a 2 percent pace of GDP growth.Unemployment is at a record low and productivity at a record high.Slowing growth isn’t a sign of weakness: What matters more than GDP is how close the economy is to its full potential.

Looking back: After a year of fruitless economic worries, the expansion still has momentum.Tensions with China are finally easing, and the summer’s heated rhetoric had little impact on trade flows.The Treasury yield curve inverted steeply before flattening, leaving little discernible impact on the real economy.Headwinds slowed the manufacturing sector but barely affected the overall expansion.The new normal: The top of this business cycle has been confusing. Past expansions saw much faster growth, but the aging workforce has changed the rules of economic prosperity.The last recession masked America’s demographic transformation—for a full decade, slack in the labor market hid the impact of baby-boomer retirements.But now that the US is back to full employment, the aging workforce may only be able to sustain a 2 percent pace of GDP growth.Unemployment is at a record low and productivity at a record high.Slowing growth isn’t a sign of weakness: What matters more than GDP is how close the economy is to its full potential.

Paul Durso & Charlie Bowers look at some seemingly negative situations, and reveal the possible silver lining in each. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

It’s important to avoid some of the most common estate planning mistakes if you are intent on leaving a financial legacy after you pass away. Failing to consider tax implications, failing to keep beneficiaries updated, failing to take action to prevent possible litigation and conflict among your heirs - all of these can greatly impact your legacy. Paul and Charlie discuss some of these potential Estate Planning Mistakes. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #SECUREAct #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

Researchers in the field of "Behavioral Finance" study how personal emotions and other cognitive biases can influence decision making.  They have discovered that people don't always make wise choices about money and without thinking things through. We talk about how FEAR, and THRILL-SEEKING can influence emotions and ultimately impact decision making.

As with any professional, Financial Advisers get paid for their services and expertise; the form this payment takes can be commissions, fees or a combination thereof. It is an important distinction that all clients should understand. Join Paul Durso, Charlie Bowers and special guest Kevin Wray as they discuss how financial professionals make their living. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

Researchers in the field of "Behavioral Finance" study how personal emotions and other cognitive biases can influence decision making.  They have discovered that people don't always make wise choices about money and without thinking things through. We talk about how FEAR, and THRILL-SEEKING can influence emotions and ultimately impact decision making.

Researchers in the field of "Behavioral Finance" study how personal emotions and other cognitive biases can influence decision making.  They have discovered that people don't always make wise choices about money and without thinking things through. We talk about how FEAR, and THRILL-SEEKING can influence emotions and ultimately impact decision making.

Do you prefer to avoid the unknown, the scary or the down right uncomfortable conversations about your money and your financial future? You're not alone. But having those conversations, and making a plan might just remove that uncomfortable feeling. Paul Durso and Charlie Bowers are Joined this week by Kevin Wray of Michigan. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

Paul Durso and Charlie Bowers take a look at the things and people we frequently blame for our financial missteps. At the end of the day, the Financial Blame Game is not a productive exercise; instead we should assess where we are right now and look forward confidently with a plan. When planning for retirement, the financial planners at Insight Folios in Charlotte NC take an approach that allows you to plan for income in retirement through dividend income planning. Our financial advisers provide you with investment strategy tools along with our simple to understand "Simplicitree" financial planning software, that provides clear guidance and sophisticated financial advice. https://insightfolios.com/ #PaulDurso #InsightFolios #RetirementPlanning #DividendIncome #IncomePlanning #FinancialAdviserCharlotte http://dursocapital.com/

Assessing your financial situation now and discussing potential year-end financial strategies with your advisor can potentially help reaffirm your overall financial plans. Review the coordination of your estate, retirement, investments and tax plans to see if your time horizons and risk tolerance are still aligned with your goals.

Assessing your financial situation now and discussing potential year-end financial strategies with your advisor can potentially help reaffirm your overall financial plans. Review the coordination of your estate, retirement, investments and tax plans to see if your time horizons and risk tolerance are still aligned with your goals.

In this episode of Simply Financial, Paul and Charlie discuss what it means to have "safe" money, and the importance of having your money work for you.

Assessing your financial situation now and discussing potential year-end financial strategies with your advisor can potentially help reaffirm your overall financial plans. Review the coordination of your estate, retirement, investments and tax plans to see if your time horizons and risk tolerance are still aligned with your goals.

A 2017 Federal Reserve Report showed that 48% of Americans reported carrying a credit card balance.

A 2017 Federal Reserve Report showed that 48% of Americans reported carrying a credit card balance.

A 2017 Federal Reserve Report showed that 48% of Americans reported carrying a credit card balance.

In this episode of Simply Financial, we’re talking about some common financial diseases and their cures. From Acute Portfolio Riskopathy, Old Fogey's Disease and Inflation-itis to Nursing Home-atosis and Uncle Sam Syndrome, Paul and Charlie tackle all of your most pressing symptoms.