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Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9
What's really happening behind the scenes of a Free Will scheme and is your charity missing an opportunity? Got a question? Drop me an email hello@legacyfundraisingchat.co.uk Need some more help with this topic? Visit my website for details about my Legacy Lens ServiceSign up for your monthly dose of tips and inspiration with my newsletter here. P.s Could you do me a favour please? If you are enjoying my podcast, I'd love it if you could either subscribe, share with one other person or leave a review as to why others should listen at Podchaser
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100
If The Lord Wills // James 4:13-16Series - Faith That WorksSpeaker - Gordon HallNeed Prayer? - Click HereSunday's • 10am • Clovis North High School/Granite Ridge.For the latest on what's happening at church, visit rvcfresno.com or @RVCFresno on Facebook and Instagram.
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100
Estate planning can feel “finished” once the documents are signed, but life has a way of changing the family faster than the paperwork. In this episode, Don uses the arrival of his first grandchild as a reminder that wills, trusts, beneficiaries, gifting strategies, and family wishes all need to evolve. A good estate plan shouldn't just reflect what you owned years ago. It should reflect the family and priorities you have today. Here's some of what we discuss in this episode:
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100
The doctrine of reprobation addresses the question: Why doesn't God save everyone? Â Wayne Grudem writes, "In many ways the doctrine of reprobation is the most difficult of all the teachings of Scripture for us to think about and accept." Â Why does God pass some sinners by, hardening them in their sin and withholding saving mercy? The answer Paul provides, at bottom, is not "human free will" but rather something radically God-centered. Â God hardens human hearts: Sinlessly Unconditionally Purposefully You can watch this message here.
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100 & 106.9
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 5 to 10 am on Newsradio WTAM 1100
Listen to Cleveland's Morning News with Wills and Snyder weekdays from 6 to 10 am on Newsradio WTAM 1100
"I have a will. I think it's good." This week we explain why that sentence almost always means "I don't really know" — and walk through exactly what it takes to be estate ready, so the wealth you leave behind improves the next generation instead of tearing it apart. On this week's Money On Tap, we get into the uncomfortable truth of estate planning: the beneficiary form on an account supersedes your will, and the company holding the asset will pay whoever is named on it — period. We break down the four buckets every asset passes through (will-controlled assets, beneficiary designations, joint ownership, and trusts), the dollars-vs-percentages trap that quietly rewrites your intentions when an estate shrinks, per stirpes vs. per capita in plain English, and the beneficiary mistakes we see over and over — the ex-spouse still listed, the missing contingents, the minor named directly, the fifteen-year-old trust nobody reread. Then we get practical: the life-event red flags that should trigger a review, the master file your family needs (including your digital assets and passwords), the documents beyond the money — power of attorney, healthcare proxy, advance directive — and why preparing your heirs matters as much as preparing the paperwork. We close with the 10 questions to answer before you ever say "my estate plan is done." What you'll learn:Why the beneficiary designation beats the will — and what custodians actually do when there's a disputeThe four buckets of estate planning: will, beneficiary designations, ownership, and trustsThe joint-account trap: why the surviving owner gets 100%, no matter what you intendedDollars vs. percentages: how a shrinking estate rewrites your legacy mathPer stirpes vs. per capita — and why the company's default, not your intent, is what executesThe mistakes we see constantly: ex-spouses still listed, deceased beneficiaries, no contingents, minors named directlyThe life-event red flags that demand a beneficiary reviewThe master file: what your family needs to find, from account lists to digital passwordsBeyond the money: power of attorney, healthcare proxy, and advance directivesPreparing heirs emotionally and financially — why a $1M 401(k) inheritance can feel like a tax billThe 10 questions to answer before you say "I'm done"Plus Money In The News:Moderna shares double on a successful mRNA cancer vaccine — a personalized melanoma breakthrough with MerckThe hidden Roth conversion window through 2028: the senior deduction, the brackets, and the IRMAA trapNational debt nears $40 trillion — and Bank of America's warning for bond investorsWant a white paper on this week's topic? Email us at info@yourmoneyontap.com and we'll send it over. Read our most recent Blog Post on this topic here: https://www.fmgwebsites.com/d772de05-9833-44e4-9676-f510f85cef74/blog/be-estate-ready-the-four-buckets-your-will-doesnt-controlSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tap Contact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Estate planning involves legal and tax considerations that vary by state and individual situation — coordinate with your attorney and CPA. Examples are hypothetical and for illustrative purposes only.Does a beneficiary designation override a will?Yes. The beneficiary named on an account — a 401(k), IRA, life insurance policy, annuity, or transfer-on-death registration — supersedes whatever your will says. The custodian holding the asset pays the person on the beneficiary form, and absent a court order they will not read your will. That's why estate readiness means checking all four buckets: assets controlled by your will, by beneficiary designations, by joint ownership, and by trusts — and reviewing them after every major life event: marriage, divorce, birth, death, remarriage, inheritance, or retirement.
It's been 25 years since the Sept. 11 terrorist attacks. NY1 is marking the anniversary in a variety of ways, including a special episode of "You Decide" in which Errol Louis was joined by two longtime NY1 journalists who covered the attacks that day: Pat Kiernan and Cheryl Wills. Kiernan recalled learning that the first plane had struck the World Trade Center during his "In the Papers" segment and quickly switching to live pictures from Lower Manhattan. What followed was continuous, wall-to-wall coverage with no commercials for days. He described the initial confusion over what had happened, efforts to get NY1 crews downtown, and CNN carrying NY1's feed, which included the first live interview with then-Mayor Rudy Giuliani. Wills, then a health reporter, recalled seeing smoke from the World Trade Center while riding the LIRR, arriving at NY1, and racing downtown by motorcycle. She also discussed repeatedly working amid the smoke without a mask, later joining the World Trade Center Health Program, and reporting in the years that followed on the lasting health effects of 9/11 and the sensitive issues surrounding how the attacks are memorialized.
This is a Grave Talks CLASSIC EPISODE! PART TWOSome places hold their history close. Others bleed it through the walls. The House of Wills—once a bustling German social club, later a speakeasy, a hospital, and eventually a funeral home—has absorbed every emotion ever carried through its doors. Joy. Grief. Violence. Secrets. And time has done nothing to mute the echoes left behind.Today, the building sits in a state of elegant decay: wallpaper curling like burned paper, floorboards sinking under decades of footsteps, and shadows collecting in corners where the light no longer reaches. Visitors describe an atmosphere so heavy it feels aware. Others claim something moves just out of view, watching, waiting—something shaped by the building's darker chapters, from whispered crimes to rumored mafia connections.Some stories say the House of Wills is merely haunted. Others say it's inhabited by forces far older than the structure itself.In this episode of The Grave Talks, we step inside the silence and explore what remains within the House of Wills. Not to retell what everyone already knows… but to uncover what the building itself has never stopped remembering.#HouseOfWills #ParanormalPodcast #HauntedHistory #GhostStories #RealHauntings #DarkLegends #TheGraveTalks #HauntedAmerica #UnexplainedVoices #ParanormalInvestigation Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:
This is a Grave Talks CLASSIC EPISODE!Some places hold their history close. Others bleed it through the walls. The House of Wills—once a bustling German social club, later a speakeasy, a hospital, and eventually a funeral home—has absorbed every emotion ever carried through its doors. Joy. Grief. Violence. Secrets. And time has done nothing to mute the echoes left behind.Today, the building sits in a state of elegant decay: wallpaper curling like burned paper, floorboards sinking under decades of footsteps, and shadows collecting in corners where the light no longer reaches. Visitors describe an atmosphere so heavy it feels aware. Others claim something moves just out of view, watching, waiting—something shaped by the building's darker chapters, from whispered crimes to rumored mafia connections.Some stories say the House of Wills is merely haunted. Others say it's inhabited by forces far older than the structure itself.In this episode of The Grave Talks, we step inside the silence and explore what remains within the House of Wills. Not to retell what everyone already knows… but to uncover what the building itself has never stopped remembering.#HouseOfWills #ParanormalPodcast #HauntedHistory #GhostStories #RealHauntings #DarkLegends #TheGraveTalks #HauntedAmerica #UnexplainedVoices #ParanormalInvestigation Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:
FULL SHOW: Friday, August 28th, 2026 Curious if we look as bad as we sound? Follow us @BrookeandJeffrey: Youtube Instagram TikTok BrookeandJeffrey.comSee omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Don Ford. A board-certified probate and estate attorney and managing partner of Ford Bergner LLP. The conversation focuses on the importance of estate planning, wills, trusts, probate, executors, and family dynamics that often arise after the death of a loved one. Ford provides practical guidance on how individuals can protect their assets, reduce family conflict, and ensure their wishes are properly carried out through legally sound estate planning. Throughout the interview, he emphasizes that estate planning is not just for the wealthy but for anyone who owns assets or has loved ones they want to protect. Purpose of the Interview The interview was designed to: Educate listeners about wills, trusts, and estate planning. Explain the legal differences between financial planning and estate planning. Help families avoid disputes and costly probate issues. Clarify common misconceptions about handwritten wills and DIY estate documents. Encourage individuals to create estate plans before a crisis occurs. Highlight the importance of planning for incapacity as well as death. Key Takeaways 1. Estate Planning Is Different from Financial Planning Ford explains that financial planners focus on growing wealth, while estate planning focuses on what happens to your assets if you die or become incapacitated. 2. Most Americans Don't Have a Will According to Ford, approximately two-thirds of Americans do not have a will, often because they avoid thinking about death, worry about legal costs, or struggle with difficult family decisions. 3. DIY Wills Can Create Major Problems While some states allow handwritten wills, poorly written documents often create ambiguity that leads to family disputes, litigation, and unintended outcomes. 4. Clear Legal Language Prevents Family Conflict A properly drafted will eliminates confusion by clearly defining beneficiaries, distributions, responsibilities, and contingency plans. 5. Estate Planning Should Be Based on Life Stage, Not Age Ford argues that estate planning becomes important when people begin accumulating assets such as: Homes Vehicles Retirement accounts Brokerage accounts Savings The need for a plan is determined more by responsibilities and assets than by age. 6. Communication Is Critical After a Death Many estate disputes begin because family members grieve differently and have different expectations about property, money, and responsibilities. 7. A Good Estate Plan Protects Family Relationships When instructions are clearly documented, families spend less time arguing about intentions and more time focusing on healing. 8. Executors Have Serious Legal Responsibilities An executor is responsible for managing and settling an estate, but cannot legally act until approved by a court. Executors must: Treat beneficiaries fairly Account for all assets Distribute assets according to the law and the will Avoid conflicts of interest 9. Trusts and Wills Serve Different Purposes A trust can be used to transfer assets during a person's lifetime and may help avoid probate in certain states where the probate process is costly and complicated. 10. Estate Planning Is More Than a Will A complete estate plan may include: A will A trust Medical powers of attorney Financial powers of attorney Guardianship planning Asset protection strategies 11. Family Structure Matters Blended families, multiple marriages, children from different relationships, and out-of-state property ownership often require more sophisticated estate planning. 12. Planning for Incapacity Is Equally Important Ford emphasizes that estate planning also addresses what happens if someone becomes unable to make their own medical or financial decisions before death. Notable Quotes On Estate Planning "Estate planning is really what happens if I die, making a plan for your death and what happens after you're gone." On Handwritten Wills "While the handwritten will may be an option, it's usually not the best option." On Legal Guidance "A lawyer would put in the verbiage to make sure there is not that ambiguity." On Why People Avoid Wills "A lot of people have not wanted to talk about these issues because they don't really want to talk about dying." On Planning Ahead "Not thinking about it doesn't mean it's not going to happen." On Timing "It's more of a position-in-life issue and not more about an age issue." On Estate Administration "The executor can't take money and spend it on themselves when it's supposed to go to the others." On Family Conflict "Communication is a big piece of that." On Good Planning "A good plan and a well-drafted will alleviates a lot of those problems." On Trusts "The trust agreement is going to determine who gets my home rather than my will determining who gets my home." On Estate Planning as a Whole "Estate planning is a more holistic view about all of these issues." On Powers of Attorney "We need powers of attorney if you become incapacitated before you die." Bottom Line Don Ford's central message is that estate planning is an act of protection, not simply a legal exercise. A properly structured estate plan helps preserve assets, reduce family conflict, ensure personal wishes are honored, and prepare for both death and incapacity. The interview serves as a reminder that waiting too long to create a will, trust, or estate plan can leave loved ones facing unnecessary stress, confusion, and costly legal challenges. #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Don Ford. A board-certified probate and estate attorney and managing partner of Ford Bergner LLP. The conversation focuses on the importance of estate planning, wills, trusts, probate, executors, and family dynamics that often arise after the death of a loved one. Ford provides practical guidance on how individuals can protect their assets, reduce family conflict, and ensure their wishes are properly carried out through legally sound estate planning. Throughout the interview, he emphasizes that estate planning is not just for the wealthy but for anyone who owns assets or has loved ones they want to protect. Purpose of the Interview The interview was designed to: Educate listeners about wills, trusts, and estate planning. Explain the legal differences between financial planning and estate planning. Help families avoid disputes and costly probate issues. Clarify common misconceptions about handwritten wills and DIY estate documents. Encourage individuals to create estate plans before a crisis occurs. Highlight the importance of planning for incapacity as well as death. Key Takeaways 1. Estate Planning Is Different from Financial Planning Ford explains that financial planners focus on growing wealth, while estate planning focuses on what happens to your assets if you die or become incapacitated. 2. Most Americans Don't Have a Will According to Ford, approximately two-thirds of Americans do not have a will, often because they avoid thinking about death, worry about legal costs, or struggle with difficult family decisions. 3. DIY Wills Can Create Major Problems While some states allow handwritten wills, poorly written documents often create ambiguity that leads to family disputes, litigation, and unintended outcomes. 4. Clear Legal Language Prevents Family Conflict A properly drafted will eliminates confusion by clearly defining beneficiaries, distributions, responsibilities, and contingency plans. 5. Estate Planning Should Be Based on Life Stage, Not Age Ford argues that estate planning becomes important when people begin accumulating assets such as: Homes Vehicles Retirement accounts Brokerage accounts Savings The need for a plan is determined more by responsibilities and assets than by age. 6. Communication Is Critical After a Death Many estate disputes begin because family members grieve differently and have different expectations about property, money, and responsibilities. 7. A Good Estate Plan Protects Family Relationships When instructions are clearly documented, families spend less time arguing about intentions and more time focusing on healing. 8. Executors Have Serious Legal Responsibilities An executor is responsible for managing and settling an estate, but cannot legally act until approved by a court. Executors must: Treat beneficiaries fairly Account for all assets Distribute assets according to the law and the will Avoid conflicts of interest 9. Trusts and Wills Serve Different Purposes A trust can be used to transfer assets during a person's lifetime and may help avoid probate in certain states where the probate process is costly and complicated. 10. Estate Planning Is More Than a Will A complete estate plan may include: A will A trust Medical powers of attorney Financial powers of attorney Guardianship planning Asset protection strategies 11. Family Structure Matters Blended families, multiple marriages, children from different relationships, and out-of-state property ownership often require more sophisticated estate planning. 12. Planning for Incapacity Is Equally Important Ford emphasizes that estate planning also addresses what happens if someone becomes unable to make their own medical or financial decisions before death. Notable Quotes On Estate Planning "Estate planning is really what happens if I die, making a plan for your death and what happens after you're gone." On Handwritten Wills "While the handwritten will may be an option, it's usually not the best option." On Legal Guidance "A lawyer would put in the verbiage to make sure there is not that ambiguity." On Why People Avoid Wills "A lot of people have not wanted to talk about these issues because they don't really want to talk about dying." On Planning Ahead "Not thinking about it doesn't mean it's not going to happen." On Timing "It's more of a position-in-life issue and not more about an age issue." On Estate Administration "The executor can't take money and spend it on themselves when it's supposed to go to the others." On Family Conflict "Communication is a big piece of that." On Good Planning "A good plan and a well-drafted will alleviates a lot of those problems." On Trusts "The trust agreement is going to determine who gets my home rather than my will determining who gets my home." On Estate Planning as a Whole "Estate planning is a more holistic view about all of these issues." On Powers of Attorney "We need powers of attorney if you become incapacitated before you die." Bottom Line Don Ford's central message is that estate planning is an act of protection, not simply a legal exercise. A properly structured estate plan helps preserve assets, reduce family conflict, ensure personal wishes are honored, and prepare for both death and incapacity. The interview serves as a reminder that waiting too long to create a will, trust, or estate plan can leave loved ones facing unnecessary stress, confusion, and costly legal challenges. #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.