Shows
The Campbells Comments PodcastCC with Derek Delaney and the Vincent Delaney Memorial weekendThe Vincent Delaney Memorial Racing Weekend will take place on August 8-9. Derek Delaney joined me to discuss this year's event and what we can expect. There will be great racing, plenty of fun, and much more. I’m looking forward to covering this exciting weekend of harness racing!
2025-06-1238 min
PharmD MoneyEp 105: How The 2024 Election Results Will Affect Your TaxesWelcome in to the 105th episode of the PharmD Money Podcast.On todays episode, we take a look at the upcoming 2024 election. The White House, Senate, and House of Representatives are up for grabs.Who wins what is anyone's guess at this point. However, that doesn't mean you shouldn't be planning for each possible outcome. Especially when it comes to your tax planning.Derek walks through what his prediction for the future of taxation will be depending on who wins in 2024. He looks at what might happen to future taxes if Republicans sweep...
2024-01-0209 minPharmD MoneyEp 104: Do You Need A Trust?What is a trust? Do you need a trust? Is a trust the end all, be all of estate planning? There are a lot of questions people have when it comes to their estate planning. Creating a trust is one of the most important.In this podcast episode, Derek outlines what a trust is and the different types of trusts that can be created.If you're interested in learning more about trusts and determining if one fits your needs, this episode is for you!
2023-12-1915 minPharmD MoneyEp 103: The Probate Process. An Overview Of How Probate Works When Someone Dies.It's common advice to get a Will or a Trust created as part of your estate planning strategy. Often times, many people don't understand what happens when those type of documents "kick-in."When it comes to your Will, you're heirs will most likely get to experience the probate process after you die.So what is the probate process and how does it work?In this podcast episode, Derek talks about the purpose of probate, the advantages and disadvantages, and what type of assets will be subject to probate when you die....
2023-12-0513 minPharmD MoneyEp 102: Are You Listed As A Trustee? Here Is What You'll Need To Know.Picking out a trusted individual or company to serve as a trustee is a key part of estate planning. However, the duties that fall onto the shoulders of the trustee can sometimes create a lot of stress and uncertainty.Many times a trustee is a close family member or friend, and usually isn't as qualified to manage a trust as they otherwise should be. And that is no fault of the trustee. It can be a difficult role to step into.In this podcast episode, Derek takes a deeper dive into helping explain what a...
2023-11-2112 min
The Fit Investor: How To Be Fit Financially, Physically, and FaithfullyEpisode 28: Transforming Lives Through Real Estate: The Derek Tellier JourneyWelcome to another compelling episode of The Fit Investor Podcast! In this installment, we are delighted to feature the remarkable journey of Derek Tellier, a true testament to the transformative power of self-improvement, resilience, and strategic real estate investing.
Derek's transformative journey began in 2016 when, at the age of 42, he decided it was time for significant changes. Battling excess weight and a lack of direction, Derek embarked on a holistic transformation, starting with his health and fitness. In just nine months, he shed 50 pounds and discovered a passion for running, completing a half marathon in under two...
2023-11-151h 18PharmD MoneyEp 101: The "Experts" Should Be AvoidedIt can be very hard to pass-up on unsolicited advice online. Especially if it's coming from a source that has proven success. Afterall, if Tiger Woods started giving away free golf lessons online, I'd tune in!But your money is different. Most "experts" are wrong more than their right with their predictions. Especially when it's investment related. In this podcast episode, Derek walks through one of the worst stretches of investment advice found online from a very recognizable name. Following this individual would have ruined any good investment portfolio.Enjoy the show!
2023-11-0710 minPharmD MoneyEp 99: Are Baby Boomers The Luckiest Generation Alive?It's easy for a millennial or gen Z'er to look at a baby boomer and think how lucky they've had it over the last 40 years (financially speaking). Especially considering all of the economic difficulties that younger generations are experiencing right now.So the question that always comes up is, "are baby boomers the luckiest generation alive?"In this podcast episode, Derek dives into the numbers. He looks at if the economic conditions over the last 40 years have really been that great for boomers, or if we're all misremembering reality.Enjoy the show!
2023-10-1012 minPharmD MoneyEp 98: How Much Money Do You Need For Retirement? Probably Less Than You Think.The ultimate retirement question is, "how much money do I need to save to retire?"Many people approaching retirement age ask themselves this continuously. It's also an extremely hard and very individualized answer. However, for the sake of conversation, I think we put newly retirees into one of three categories.In this podcast episode, Derek reviews each of the three retiree categories and gives you a general idea of what that lifestyle consists of and how much it's going to cost you. Depending on which category you see yourself falling into, will help you better...
2023-09-2610 minPharmD MoneyEP 97: Should You Be Working With A Mega Financial Advisory Firm?As a households net worth continues to rise, missed opportunities and mistakes become amplified. No one wants a subpar experience in any service they pay for. When it comes to our money, we expect more.So is pursing a relationship with a giant financial advisory firm, insurance company, or broker/dealer the right move? Does bigger equal better?In this podcast episode, Derek breaks down the experience you'll get with a big firm, an example of how it's not as great as people think, and what makes an advisor-client relationship actually valuable.Enjoy...
2023-09-1212 min
ELEVATE: Products & People that Make an Impact[127] The Man behind $1 BILLION in Product Launches: Derek Osgood, CEO of IgnitionDerek Osgood is the founder of Ignition, a groundbreaking go-to-market platform. With over 100 successful product launches under his belt and more than $1 billion in revenue generated, Derek is an expert in scaling technology companies and gaining an edge in product marketing.
We cover all this and more:
[00:05:00] Scaling a chaotic startup to rapid growth.
[00:09:28] Navigating Outbounding Challenges.
[00:15:01] The Power of Creativity and Simplicity.
[00:19:12] Streamlining Product Launches and Sales for Companies.
[00:23:22] Streamlined Integration, Roadmap Planning, and AI-driven Updates.
[00:26:07] Boosting Productivity by the use of AI.
[00:29:37] Driving Growth through...
2023-08-2741 minPharmD MoneyEp 95: Community FinanceWith the rise in social media users, it's becoming more popular for people to source advice from a groups. This applies to personal finance, health, education, etc. But there is a point where people take it to far.In the end, almost all of the goods and services we consume will be able to provide two of three distinct features. Quality, speed, and price. Social media advice is fast and free, so beware of what you're told.In this episode, Derek dives into why social media community advice can be dangerous if overly relied upon.
2023-08-1509 minPharmD MoneyEp 93: Financial Considerations of Becoming A NOMADIn 2023, the NOMAD lifestyle is growing rapidly. Over 7 million people in America identify as a NOMAD. Thanks in large part to better digital tools, a NOMAD lifestyle is far more sustainable then ever before.However, before jumping in, there are important financial considerations that should be planned for. Making sure that you're financial prepared will result in a better overall experience.In this podcast episode, Derek reviews his top financial considerations for those who plan to start their NOMAD journey in the near future.Enjoy the show!
2023-07-1812 minPharmD MoneyEp 92: The College Enrollment Cliff - Why College Will Get LESS ExpensiveA primary goal for many parents with kids is to help them pay for a future college education. However, the thought of paying for future tuition can seem daunting. The cost of college is already really expensive with expectations for it to cost even more in the future.But what if we're wrong about that? What if the cost of college will actually drop in the future?A big reason for this could be the upcoming college enrollment cliff. In this podcast episode, Derek talks about this and more. So if you're worried about how...
2023-07-0413 minPharmD MoneyEp 91: The One Trillion Dollar CoinHere we go again. The Federal Government is butting up against another debt ceiling crisis. They owe a lot of people a lot of money and soon will not be allowed to borrow from the public to pay those debts anymore.But wait. An idea that has been floated around for 30 years is gaining more traction.It's the idea of the US Mint producing a Trillion Dollar platinum coin that can used to pay down the government's current debt and ultimately keeping them from hitting their debt ceiling.It all seems like word...
2023-06-2012 minPharmD MoneyEp 90: Should You Count Your Home As A Retirement Asset?For many pre-retirees and current retirees, it can be a difficult decision whether to use the value of their home as a retirement asset. So does that mean you shouldn't do it? My response is always yes, it should be included as a retirement planning asset.In this podcast episode, Derek talks about why a home should not be seen as an investment but ultimately as a long-term retirement asset. He also details three ways a home can be utilized appropriately as a retirement resource.Enjoy the show!
2023-06-0609 min
What Got You There with Sean DeLaney#347 Derek Sivers- Creating a Life You Love, Useful Beliefs & Why Mastery is the Ultimate StatusDerek Sivers is a beautiful, thinker, writer, philosopher, entrepreneur and someone who truly has optimized his life for creating and learning. He is the author of multiple great books one of my favorite books How To Live and I do not say that lightly. Originally Derek was a professional musician and circus clown, Derek created CD Baby in 1998. It became the largest seller of independent music online, with $100 million in sales for 150,000 musicians. In 2008, Derek sold CD Baby for $22 million, giving the proceeds to a charitable trust for music education. Like I said interesting guy!
2023-05-211h 10PharmD MoneyEp 88: Money Tips We Can Learn From The Top 5 Regrets Of The DyingWe've all either seen it or experienced it with someone. An individual who is facing their mortality and is filled with the emotion of regret. As we age, I believe our priorities and view of life changes. It hits us hard that our time is finite and is running out. This leads to a lot of people expressing regret about how they've lived their life. Not specifically about what they did, but more so what they didn't do.In this podcast episode, Derek talks about the top 5 regrets of the dying. These regrets were sourced from social...
2023-05-0911 minPharmD MoneyEp 87: What Is A "Run" On A Bank?A bank run is an obscure term for many people. It's a topic that doesn't come up often, but when it does it makes big headlines.It reared it's ugly ahead again in March of this year thanks to the Silicon Valley Bank failure. So, is your money safe? What exactly is a bank run? What does this mean for our economic future? Can we expect another 2008 debacle?All of these are fair and relevant questions. In this podcast episode, Derek breaks it all down and does his best to explain what we c...
2023-04-2511 minPharmD MoneyEp 85: Long-Term Retirement Outlook; Prosperity or Future Doom?With all the craziness that is happening in our investment markets and economy, how confident should current or future retirees be about their chances of retirement success?It's a great question and one that most people ask themselves often. In this episode, Derek breaks down his thoughts. We start by comparing where we are today to where we were just a few years ago.We also talk about the pro's and con's that retirement in 2023 has compared to retirement pre-COVID. And at the end, Derek gives his final verdict.Enjoy the show!
2023-03-2810 minPharmD MoneyEp 84: How Many Investments Should You Own In Your PortfolioI see it discussed often. "How many investments should I own in my portfolio?" The answer, like most in personal finance, is it depends.In this podcast episode, Derek talks about why someone would want to own 25 ETFs in their investment account or why someone may ultimately chose to use just 1 broad based mutual fund.Enjoy the show!
2023-03-1412 minPharmD MoneyEp 83: Should You Have A Joint Bank Account With Your Spouse?Finances can be tricky. It becomes a lot more difficult when you're tasked with combining your own financial preferences and ideologies with someone else's. However, this happens whether we like it or not when we combine finances with our spouse or significant other.Is the answer to always have joint bank accounts? It doesn't have to be. In this podcast episode, Derek talks about what criteria needs to be met to create financial success with someone else regardless of whether you have joint accounts or not.Enjoy the show!
2023-02-2810 minPharmD MoneyEp 81: Should You Pay Your Mortgage Off Early?Paying off your mortgage early can seem vey enticing. Knowing you own your home and won't have to make a mortgage payment anymore is a tremendous accomplishment.But could getting to this point earlier in the life of your mortgage be hurting your long-term financial wellbeing?In this podcast episode, Derek talks about the pro's and con's of paying your mortgage off early and what he is doing personally.
2023-01-3111 minPharmD MoneyEp 80: The Best Way To Measure And Monitor Retirement PreparednessWhat is the top metric that measures whether you're moving in the right direction when it comes to your future retirement? Most people would say the balance of their retirement accounts. That isn't a bad answer, but it's also not the best answer.Retirement preparedness should be measured by the future retirement income you can afford, in today's dollars. A bigger nest egg doesn't necessarily equal greater income. So make sure your retirement planning decisions are focused on increasing your future income and not just your account balance. In this podcast episode, Derek talks about t...
2023-01-1710 minPharmD MoneyEp 79: The Vehicle Market in 2023The last 24 - 36 months have produced crazy results in the vehicle market. Prices for used vehicles skyrocketed due to shortages of inventory all over the United States.Now that prices have come down, many people find themselves underwater on their car loans. This, mixed with an economic recession in 2023 could be disastrous for consumers. So, in the podcast episode, Derek breaks down what you can expect from the vehicle market in 2023 and how you may have an opportunity for some great deals if you're prepared.Enjoy the episode!www.pharmdfp.com
2023-01-0310 minPharmD MoneyEp 78: The Worst Financial Advice Of 2022: Index Universal Life InsuranceAs we approach the end of 2022, I like to reflect back on all the financial events that have taken place over the past 12 months. However, there is one popular piece of advice that I believe deserves the top spot of worst financial advice given this year.It's the serial advice from insurance brokers to buy Index Universal Life Insurance (IUL). This advice is alive and well on social media and being pushed by people with very little financial education all over the US.So, in this podcast episode, Derek explains what an IUL is and...
2022-12-2715 minPharmD MoneyEp 77: RRhAlly Office Hours: AMAOn this podcast episode, we share the recording of Derek's November Office Hours event hosted on the RPhAlly platform.During this episode, Derek answers 4 questions from viewers.- What do I need to know when inheriting an investment account?- How do taxes on an annuity work?- I just paid off a bunch of debt. Now what should I do what all my excess cashflow?- What would you do differently with your money if you could turn back time?Enjoy the show!
2022-12-1316 minPharmD MoneyEp 76: Should You Retire During A Recession?Recession's are scary. They usually come with falling investment markets, slower economic activity, and rising unemployment. News headlines and media outlets stoke those fears and create a lot of anxiety for people.With all that being said, what are the people who planned to retire supposed to do? If we experience a recession in 2023, does that mean everyone should put off their retirement plans?The answer to this question might surprise you. In this podcast episode, Derek answers this question and more.Enjoy the episode!
2022-11-2911 minPharmD MoneyEp 75: Recession-Proofing Your FinancesAre we in a recession? Is one right around the corner? No one can be certain. However, the likelihood of a recession continues to grow. So it would make sense for people to start preparing their finances accordingly.In this podcast episode, Derek discusses how he would recommend people structure their finances in the face of an upcoming recession.Derek is joined by Shawn Bjordahl, owner of RPhAlly. This is a recording of a recent webinar that was held on the RPhAlly platform.Enjoy the show!
2022-11-1530 minPharmD MoneyEp 74: Should I Fire My Financial Advisor?2022 has been a wild year. Investment markets are dropping and our economy seems like it's heading straight into a recession. For many people, these concerns are exactly why they hired a financial advisor to begin with. They wanted someone to help them monitor, maneuver, and lead through difficult times.However, financial consumers all over the country are starting to realize that as difficult times continue, their advisor is nowhere to be found. This is leading many to ask the question, "Should I Fire My Financial Advisor"?In this podcast episode, Derek talks about how you...
2022-11-0112 minPharmD MoneyEp 73: I Have Extra Cash. Is Now The Right Time To Invest?The stock market has been a scary place so far in 2022. We are currently experiencing negative investment returns (both stocks and bonds) we haven't seen in quite some time. So what are people supposed to do who find themselves holding on to extra cash?Is buying into this market while investments are "low" a good idea? Or would you be crazy taking safe money and putting into this market?It's a question many people are wrestling with right now. So, in this podcast episode, Derek explains the thought process you should be using when determining...
2022-10-1811 minPharmD MoneyEp 72: What's Going On With InflationInflation has been hitting our economy hard for the last 10 months. Most people, regardless of economic status, have experienced the effects of inflation. For many people, it's starting to become concerning because the impact it's having on the economy.So in this podcast episode, Derek talks about what caused inflation, what the Federal Reserve is doing to combat it, and what the ultimate outcome will be after it's all said and done.Enjoy the episode!
2022-10-0411 minPharmD MoneyEp 70: The Four Pillars Of A Successful RetirementRetirement can be both a beautiful and terrifying endeavor to think about. It becomes even more nerve racking as it goes from a thought in your mind to something that you need to start seriously planning for.However, retirement planning can consist of hundreds of decisions and avenues for you to explore. This usually leads many people to focus on the wrong stuff. Having your fundamental areas of retirement planning taken care of is key.But what are those areas?In this podcast episode, Derek walks through his four pillars of retirement success...
2022-09-0612 minPharmD MoneyEp 69: How To Determine If An Investment Opportunity Is To Good To Be TrueHave you ever found yourself presented with an investment opportunity that sounds to good to be true? However, you don't want to miss out on the opportunity if it is indeed exactly how it was presented to you.It can be a confusing and stressful situation you might find yourself in dealing with this type of decision. In this episode, Derek outlines five tips you can use to better evaluate whether an investment opportunity is truly to good to be true or not.Enjoy the show!
2022-08-2310 minPharmD MoneyEp 67: Stop Putting Off Your Estate PlanningEstate planning can seem like a overcomplicated and time consuming endeavor. For many people, that is a fair description. However, it's not a good reason for ignoring it completely. Once a proper estate pan is in place, it becomes much easier to manage as you age.In this podcast episode, Derek talks about the importance of estate planning and how a little effort and planning can make big positive impacts down the road. Not only for you but for your future beneficiaries as well.Enjoy the show!
2022-07-2610 minPharmD MoneyEp 66: Why You Shouldn't Use Current Economic Conditions To Make Investment DecisionsInvesting on it's own is very difficult. It becomes even harder when you are forced to make decisions based on macro economic conditions. Unfortunately, most people don't have access to advanced levels of data.Often times, this leads people to make decisions based on the current economic environment they are in right now. But this isn't how investment markets operate. They are forward looking and do their best to price in what they feel is fair value based on future events.So making decisions based on today's economic conditions could lead you to making poor...
2022-07-1207 minPharmD MoneyEp 64: I-Savings Bonds: What Are They and Why Are They So Popular?It's been hard to find investment products that people can participate in that limit their downside risk of loss while also paying a decent interest rate. For this reason, I-savings bonds have exploded in popularity.I-savings bonds (I = inflation) are government savings bonds that pay an interest rate that is tired to the CPI - U inflation rate in America. Lately, as inflation has skyrocketed, so has the interest rate on these savings bonds.In this episode, Derek explains how they work and what investors should be aware of if they decide to take advantage...
2022-06-1410 minPharmD MoneyEp 63: What Is Going On With Interest RatesInterest rates are a complex topic. But they directly impact normal people on both ends of the spectrum. The cost to borrow money and the amount you earn on many investments are directly correlated with interest rates.So with all the media talk about the Federal Reserve raising interest rates, mortgage loan interest rising, and Bond investment funds falling, it can be difficult connecting all of these dots.In this episode, Derek does his best to explain how all these factors are interconnected and why you probably won't get a raise on the interest you're...
2022-05-3111 minPharmD MoneyEp 62: How To Make The Most Of A Recession2022 has been a negative experience for anyone who is associated with investment markets. From 401(k)s to bank savings accounts and everything in-between. Inflation and dropping investment markets have caused a lot of stress and anxiety.So what can a person do when they find themselves in this type of financial situation. Stay the course and ride it out is usually the best answer. There are also a few tactical strategies available that could make a recession a bit more bearable. In this episode, Derek talks about 4 strategies that investors can implement during a recession t...
2022-05-2408 minPharmD MoneyEp 61: The 5 Step College Planning ProcessFiguring out how to pay for college is a big undertaking. From filling out a FASFA form, too trying to determine how much financial aid you will qualify for, to understand the student loan consequences can get very confusing.Keeping it simple and taking it one step at a time can be helpful. In this episode, Derek breaks down the 5 steps families can take to better prepare themselves to answer the questions that arise during the college planning process.Enjoy the show!
2022-05-1712 minPharmD MoneyEp 60: Did You Know Elon Musk Is A Pharmacist?It wasn't to long ago when Elon Musk made a few observations about a popular medication to his millions of twitter followers. This information was biased and unsubstantiated. It created backlash from many real medical professionals on that social media platform.This happens all of the time. Someone with influence has the ability to say stuff that leads many others into make poor decisions for themselves based on that influential "advice".When it comes to personal finance, this is a common theme. It's also one of the biggest reasons why people end up doing stupid...
2022-05-1009 minPharmD MoneyEp 59: What Are You Actually Getting When You Buy An Annuity?You've just been offered an opportunity to buy an annuity contract? You've heard that these are not good investments to put your money into. However, the broker you're working with insists it's the best option available. What do you do?This situation plays out often in the real world. If you try to do your own research, you'll find biased opinions of this kind of investment product all over the internet. So who should you believe?In this podcast episode, Derek explains what you're actually getting when you buy an annuity. He also explains how...
2022-05-0311 minPharmD MoneyEp 57: Why Every Pharmacist Needs A Personal CFOI think it's a bit of an understatement to say that pharmacists are busy people. They don't get the same type of work life balance opportunities that are provided in many other professions. Because of this, it means that pharmacists have to be very strategic and efficient with their time.This is where implementing a personal CFO into your life can be critical. As the CEO of your own life and as the CEO of your family (or co-CEO in many cases), your time and attention is spread pretty thin. Kids, work, hobbies, etc. are all areas...
2022-04-1911 minPharmD MoneyEp 56: The Difference Between Investment Returns and Investor ReturnsIt's very common for individuals to use the mantra "passive investor" as their guide to investment management. Yes, passive investing is a great way to keeps investment costs low and take full advantage of the long-term success investment markets tend to provide.However, most people believe they are passive investors only to learn that they are using active management action. This becomes one of the biggest reasons why investment returns are far bigger than investor returns.In this episode, Derek talks about why being a passive investor is not just about owning passive investments. Your...
2022-04-1209 minPharmD MoneyEp 55: Should You Own Your Investment Accounts Jointly With Your Spouse?Owning accounts jointly with your spouse is very common. Everything from property to your bank accounts most likely has a joint title on it. The convenience of using those accounts makes the joint titling a no-brainer for most.However, from an estate planning standpoint, it may not be in your best interest to do. Jointly owned assess don't allow some to maximize the tax benefit of the step-up in basis rule. Because of this, it may make sense to reconsider or reexamine your joint taxable account titling decision. In this episode we explore this and wh...
2022-04-0509 minPharmD MoneyEp 54: So What Do Retiree's Actually Do In Retirement?As a pre-retiree looking into retirement, you may find yourself wondering what you're going to do to fill your time when you finally retire. You spend a large portion of your day at work and when that time suddenly becomes available in retirement, what will you do with it?One way people start envisioning their answer to this question is by learning about what other people who are already retired are doing. And because I'm lucky enough to have conversations with many retiree's, I can help shine some light on a few common answers.In...
2022-03-2912 minPharmD MoneyEp 53: Planning Tips For Those That Are 10 Years Away From RetirementRetirement planning can be easily pushed aside. It's not hard to find other things that are going on in life that will take priority. Unfortunately, one of the biggest retirement planning advantages a person can give themselves is time.Enough time to plan, organize, and implement everything that should be in place. That is why I feel the sweet spot to start getting serious about retirement is when you are 10 years away.That is why in this podcast episode, Derek will go over a few of his top planning tips for those pharmacists who are 10...
2022-03-2210 minPharmD MoneyEp 52: Retirement Withdrawal StrategiesOne of the biggest, if not the biggest, decision a retiree will need to make when it comes to their retirement is deciding which retirement withdrawal strategies they will want to implement. There are no shortage of options to choose from. This can make determining what is best for you, a difficult task. In this podcast episode, Derek will preview the 4 most common type of retirement withdraw strategies and the pro's and con's of each. - Dynamic Portfolio Withdraw Percentage- Static Portfolio Withdraw Percentage- Bucketing Withdrawal Approach- Delegating Income Ap...
2022-03-1511 minPharmD MoneyEp 51: Investment Management In RetirementInvestment management is a straight forward concept for many people in the accumulation stage. Take money from your paycheck and stick it into your 401(k). Make sure your 401(k) is diversified and let the power of compounding do its magic in your favor.However, retirement is a completely different game. Gone are the days of saving and accumulating. Instead, you are now tasked with managing your investment portfolio in a way that aligns with your new stage of life. This can be a stressful and overwhelming job for many new retirees. That is why in t...
2022-03-0814 minPharmD MoneyEp 50: Retiring At 50Early retirement is a dream scenario for many people. Retirement could mean a second chance at a new career, a new lifestyle, or even a just greater time freedom. But with all the good that can come from retiring at 50, it also is a big financial risk.Preparing yourself financially and emotionally can help the probability that your extended retirement is a success.In this podcast episode, Derek covers a few key areas that anyone who is thinking about retiring at age 50 should be planning for.- Getting crystal clear about your retirement...
2022-03-0114 minPharmD MoneyEp 49: Hidden Tax Bombs In RetirementYou've heard it said before that tax planning is a critical element of retirement success. So what is the opportunity cost of not implementing proactive tax planning in your financial endeavors?Well, you may find yourself setting off big tax bombs in retirement that could cost you far more than you think. It often happens that individuals are not even aware they are doing it until they file their year end tax return. We don't want that happening to you.So, in this podcast, Derek will discuss 5 common tax bombs most retirees want to do...
2022-02-2215 minPharmD MoneyEp 48: Ask Me Anything Episode!In today's episode, we answer some of the more popular audience questions we've received. Some of these questions have been asked multiple times, so we thought it would be a perfect time to answer them in an AMA episode.Derek will provide his thoughts and answers to the following questions:1.) What Should I Do During A Bear Market?2.) Should I Pay My Mortgage Off Before Retirement?3.) How Accurate Is My Social Security Projection If I Retire Early?4.) How Do I Know If I Need A Trust Or A Will?5.) Are All...
2022-02-1518 minPharmD MoneyEp 47: The Biggest Differences Between The Accumulation and Deaccumulation Phase For Investors There is so much to consider and sort out while working through a retirement transition. However, one of the biggest changes you will experience is the shift of being an accumulator to becoming a de-accumulator in retirement. In this episode, Derek will go over what he sees as some of the biggest changes people will experience while making this retirement transition. The subtle and not so subtle differences should be on all pre-retiree's radars as they advance toward their golden years.These differences include;- A Total Mindset Shift- Sequence of Return Ri...
2022-02-0816 minPharmD MoneyEp 46: Overcoming Retirement FrugalityRetirement is an exciting time for many. Especially those who have been looking forward to their golden years for quite some time. Unfortunate for some, the happy and fulfilling retirement fantasy doesn't always materialize into reality. A big reason for this is unintended frugality.Being cautious with your spending in retirement is a valuable. But taking it to the extreme can be a big determent. It can also be a habit that is extremely hard to overcome. If you've been frugal your entire life, it's going to be difficult to loosen those reigns in retirement, even if...
2022-02-0112 minPharmD MoneyEp 45: Required Minimum Distributions (RMDs) in 2022Retirement planning is confusing. There is a lot to consider. And just when you think you have everything figured out, the IRS comes along and makes it more difficult. This is usually what happens when people learn about Required Minimum Distributions for the first time.RMDs are the amount of money the IRS requires that you pull out of your retirement accounts each and every year. Regardless of if you actually need that money or not. Their goal is for you to spend the last dollar you have in a retirement account before you die. This can...
2022-01-2514 minPharmD MoneyEp 44: What Withdraw Strategy Should You Use In Retirement?Retirement planning is a complex topic. There are a number of different financial and behavioral risks that retirees must navigate throughout their golden years. One of the biggest and most impactful decisions a retiree will need to make usually comes at the beginning.That decision is determining what retirement distribution strategy will be implemented. Or more commonly, how will you safely withdraw money from your retirement next egg over the next 30 - 40 years?This has become a much bigger and impactful decision for retirees today than it was 15 years. So in this episode, Derek will...
2022-01-1814 minPharmD MoneyEp 43: Is There Such A Thing As Working To Long?Many people work for financial reasons. But what happens when you get to the point of not needing income from a job anymore? For many, this is the dream scenario. This is when they get to finally hang it up and fully retire. Welcome to the golden years!But for others, this decision comes with a lot more angst. They feel the tradeoff of retirement isn't worth what they are leaving behind from their job. So they work longer than they financially have too. And if this is the case, should it be something that is concerning...
2022-01-1115 minPharmD MoneyEp 42: 10 Questions Your Financial Advisor DOESN'T Want You To Ask!Hiring a financial advisor can be intimidating. To make matters worse, it can be very difficult to differentiate between them. They all have "Financial Advisor" or "Financial Planner" or "Wealth Manager" etc. etc. etc. on their business cards? Does that mean they are all the same and do the same thing?The answer to that question is a resounding no. But how can you tell? How can you make sure you are hiring the right financial advisor for you? In this podcast episode, Derek will walk through 10 questions you can use to better understand the differences and...
2022-01-0415 minPharmD MoneyEp 41: 2022 Retirement Planning Important NumbersWe have made it to a new year. And like every other year, changes have been made on what we are allowed and not allowed to do with our money. So it's important to get caught up with all of the important numbers that will dictate what we can do while we try to maximize our planning opportunities within the year.In this episode, Derek will talk about I. The changes to Federal Income Tax RatesII. Long Term Capital Income Taxes RatesIII. Net Investment Income RatesIV. Provisional Income Changes
2021-12-2814 minPharmD MoneyEp 40: Investment Rate Of Return Is A Poor Metric To Use When Deciding To Hire A Financial AdvisorInvestment rate of return is the easiest metric to use when determining success and failure of your financial life. It's also the easiest metric to use when correlating it with your future consumption. I made a lot of money this year in my investment account, which means I will be able to afford to spend more in retirement.This is dangerous thinking, especially when its your primary focus of deciding whether to hire a financial advisor or not. There is so many other details that become more important than investment rate of return when retiring that should...
2021-12-2116 minPharmD MoneyEp 39: The Do's and Don'ts Of A Successful RetirementRetirement planning is a complex and fairly time intensive endeavor. It requires a lot of planning and projecting and ultimately aligning that information overtop an everchanging economic and regulatory landscape. So what are a few items you should make sure you do and not do when it comes to your retirement?In this episode, Derek goes over his top Do's and Don't for a successful retirement. These items can be applied to almost every pharmacists retirement plan. They include:Do; Create pinpoint clarity around your first year of expenses in retirement based on your most...
2021-12-1415 minPharmD MoneyEp 38: Common Tax Myths Everyone Should Avoid: An Interview with Scotty Sykes, CPA, CFP®Today, I am exciting to interview Scotty Sykes, CPA, CFP® with Sykes and Company, P.A. Scotty is a Certified Public Accountant who is actively involved in all areas pf pharmacy accounting and tax with an emphasis on high-level advisory for pharmacy clients.There is nothing more exciting than getting a hot tax tip and completely pulling one over on the IRS. Ok, so maybe not that exciting, but reducing your tax bill each year is definitely a positive result. There also seems to be no shortage of ways pharmacists are able to do this. Unfortunately, some o...
2021-12-0717 minPharmD MoneyEp 37: Preparing For Our Next RecessionWe've been on quite an economic run over the last 13 years. Investment markets have experienced some volatility over that time, but the general direction has been positive. This may lead many people to forget about how bad the last big recession we experienced was.Recency bias may be leaving some pharmacists unprepared for the next recession and I can't let that happen. So in this episode of the PharmD Money podcast, we explore how you can start preparing yourself for the next big economic recession. It's not if we will experience one, it's when. And I don't...
2021-11-3015 minPharmD MoneyEp 36: Do You Want To Retire Early? Here Is How You Can Make It Happen!Do you find yourself looking more and more into early retirement? You're not alone. Whether your a retail pharmacist who is feeling completely burned out or maybe someone who is just looking at that next chapter of their life, retiring early may be the logical next step.But retiring early comes with a lot of risk. And it takes a lot of precision to pull off. After all, for most pharmacists that decide they want to retire, they only want to do it once! So what can you do to start preparing yourself for this huge change...
2021-11-2315 minPharmD MoneyEp 35: BUDGETS DONT WORK! Why They Don't Work And What You Should Be Doing InsteadAt some point in our society, the term budget turned out to be the magic cure for anyone with financial troubles. You don't have enough money? Well you need to budget better. You which you and your spouse could get on the same page when it comes to money? Great, start a budget. You have to control your spending in retirement? A budget is what you need!This all seems like pretty standard advice. But it's not going to work. Budgets in general don't work. They serve the same purpose as new years resolutions. They make us f...
2021-11-1616 minPharmD MoneyEp 34: Active Investment Management In 2021: An Interview with Ross Klein, CFAToday I am excited to interview Ross Klein, founder, managing member, and chief investment officer of Changebridge Capital, LLC. In this episode we take a deeper look into a few of the more popular areas of investment management. We touch on the importance of diversification and how we can't rely on the S&P 500 as our only form of diversification. We also discuss the growing popularity of ESG investing and ways investors should be approaching this space. And finally, Ross gives us a few tips on how we can better evaluate active investment managers and not rely so...
2021-11-0922 minPharmD MoneyEp 33: Year-End Planning For Your 401(k)As you approach the end of any calendar year, you most likely will be presented with opportunities to make changes to all of the employer benefits you have access too. One of the most common employer benefits that employees take advantage of are employer sponsored retirement plans. In most cases, this is a 401(k).So as you approach the end of the year, planning and optimizing your 401(k) becomes very important. However, it can seem like a hassle. Investment options, contribution percentages, paperwork, login's, etc. can seem overwhelming for a lot of people. But that doesn't make...
2021-11-0216 minPharmD MoneyEp 32: Taking Money Out Of Your 401(k) Before RetirementIt's widely considered prudent financial management to leave retirement money alone. You should never be using those dollars until you actually reach retirement. After all, it's why you saved the money in the first place.But sometimes reality gets in the way. We may encounter many reasons in life to withdraw money from our retirement accounts before we reach retirement. And if you ever get to this point, it can be confusing trying to figure out what options are available to you.In this episode, Derek talks about the different avenues you can explore when...
2021-10-2615 minPharmD MoneyEp 31: Backdoor Roth Conversions and IRS Form 8606Are you utilizing the backdoor Roth IRA conversion strategy? Do you see a tax form numbered 8606 with your tax return every year? Are you reading this and already thinking to yourself how boring and confusing tax planning is? You're not alone! But this is something you're going to want to take note of.Reducing the amount of tax documents you are required to file every year could be a great way to save a little bit of money on your tax preparation costs. So if you find yourself with IRS form 8606 every year, this episode is for...
2021-10-1916 minPharmD MoneyEp 30: Preparing PharmDs For Real Estate InvestingReal estate has been appreciating at a rapid rate for the last 12 - 18 months. With a shortage of home prices and an increase in demand, owning real estate has been a great way to grow your net worth.Owning rental real estate also provides for the opportunity to collect rental income as well. These two benefits have increased the amount of PharmDs who have become interested in giving real estate investing a try. But where do you begin and how do you start? It may sound good in theory, but what steps can you take to make...
2021-10-1215 minPharmD MoneyEp 29: What's Going On With Inflation?Inflation has been a hot topic over the last several months in the finance world. Experts are worried that the dramatic increase in prices are going to affect the long-term viability of the economy. So what is actually going on with inflation and should it be something that you should be concerned about as an investor?In this episode, Derek will explain how consumers should be viewing inflation. He will explain:- What inflation is- How it's measured- How inflation today compares to historical averages- What controls inflation...
2021-10-0516 minPharmD MoneyEp 28: ESOPs & Net Unrealized AppreciationDo you find yourself with the opportunity to purchase your employer's stock in your retirement account? It may seem like a great opportunity. You get to own shares of the company you work for and as the company continues to grow and increase in profitability (hopefully thanks in some part to you) the share price goes up. It's a win-win. But the real advantage could come in the form of unique tax savings when it comes time to sell those shares and withdraw your money. That is when Net Unrealized Appreciation becomes important.In this ep...
2021-09-2816 minPharmD MoneyEp 27: What Does It Take To Be Considered Rich?Being rich in American is a stoic title. Being among the wealthiest within one of the wealthiest countries in the world is a common financial goal. But what is rich? Who gets to define it? And should we all being pursing that same definition?Most Americans say that to be considered wealthy in America, you need 1.9 million in Net Worth. But that range changes depending on who you are talking too and what generation they fall into. The specific way of defining being rich also changes a lot depending on the person you are speaking with and...
2021-09-2115 minPharmD MoneyEp 26: Getting Back On Track Financially After A Summer Of Over SpendingFor many of us, summertime is a time of action. Traveling, weddings, vacations, etc. It can put a strain on even the best financial situations. So how can you get back on track when summer ends and you find that you spent more money than you think you should have.In the episode, Derek covers just that. He talks about immediate actions you can take to help get yourself back on track financially. 1.) Create Perspective2.) Avoid Blame3.) Get Rid Of Bad Debt4.) Pace Yourself5.) Find Your Forcing Mechanism 6.) Create Positive Re...
2021-09-1414 minPharmD MoneyEp 25: College Planning BasicsCollege planning for college bound families can be a big stressor. Deciding on where you want to go to college is tough enough, but figuring out how you're going to pay for it can be extremely overwhelming. In this episode, Derek is touches on some of the basics you are going to want to be aware of when it comes time for you to begin your college planning journey. Derek talks about Cost of Attendance, Expected Family Contribution, Financial Aid Need, and more!Enjoy the Episode!You can connect with Derek on social m...
2021-09-0715 minPharmD MoneyEp 24: Top 5 Money Moves To Make In Your 30sCongratulations, you've successfully breached the 30 year threshold! For some, that task was accomplished many years ago and for others, more recently. The decade of your 30s can bring about a lot of change. And that pace of change seems to continue to accelerate. Let's go back 20 years shall we? In the year 2000, NSYNC was the best band on radio, Eminem released his hit single "The Real Slim Shady", and Cribs was the hottest show on MTV! Is a flood of memories starting to rush back? Same here. It doesn't seem like it was that long ago but i...
2021-08-3115 minPharmD MoneyEp 23: Financial Imposter SyndromeIn most of us, there is a seed of doubt that lives within us all that keeps us from taking the necessary steps to accomplish great things. This is called Imposter Syndrome. It can create so much anxiety and tentativeness inside of us that we end up becoming completely immobile. We freeze and stop the progress of everything we've done up to that point.Imposter Syndrome comes in all shapes and sizes. Financial imposter syndrome is specifically the seed of doubt around our financial wellbeing. Managing it properly and continuously improving it over the course of our l...
2021-08-2415 minPharmD MoneyEp 22: Private Student Loans vs. Direct Loan ConsolidationsUpon graduation, you have the many options to peruse when it comes time to paying back your student loans. Two common avenues are to refinance via private loans or to do a direct loan consolidation. Each of these two options comes with their own set of pros and cons.In this episode, Derek will explain how both of these options work. What the benefits of each are and the rules of each that you need to be aware of. Student debt is both a necessity and a headache. Understanding the different ways to minimize your student loan...
2021-08-1716 minPharmD MoneyEp 21: Passive vs. Active Investment ManagementOne of the biggest debates in the financial services world is which investment management style is more effective. Active or Passive? Each investment management style comes with their own set of pros and cons, so it's important to really understand the differences. Because in the end, your personal circumstance and goals will dictate which option is best for you.In this episode Derek will explore the positives and negatives of each. That way when it comes time to figure out which option is best for you, you can tackle the decision fully armed with a well rounded u...
2021-08-1020 minPharmD MoneyEp 20: Starting A Business And Becoming An EntrepreneurAre you starting to get burned out in your traditional pharmacist role? Have you gotten to the point in your career where you feel that you can better use all the skill, knowledge, and experience you've accumulated as a pharmacist doing something different?Many pharmacist have taken this path and it has led them into the world of entrepreneurship. Starting you own business can be extremely rewarding and emotionally liberating. But it takes a significant amount of work.Starting a business will require pharmacists to make decisions and navigate situations they may not have ever e...
2021-08-0317 minPharmD MoneyEp 19: How Financial Advisors Get PaidIt can get complicated for consumers to determine how much a financial advisor is getting paid. It can even get complicated for some financial advisors to discern how much they will be paid. There are compensation grids, bonuses, and compensation accelerators that can kick on at any time.This hard to understand advisor compensation can create a big problem. It makes it more difficult for consumers to determine if the value they are getting from their advisor is worth the money they are paying, directly or indirectly.So, in this podcast episode, Derek will walk t...
2021-07-2715 minPharmD MoneyEp 18: Why Working With A Fiduciary Financial Advisor Is So ImportantMany consumers who hire financial advisors may think that these advisors have the legal, moral, and ethical obligation to put their interests ahead of everything else when it comes to delivering financial and investment advice. I think it would be shocking to a lot of these same people when they learn that the large majority of financial advisors don't abide by that kind of obligation.Many financial advisors are not considered true fiduciaries. They don't have the requirement to put their client's best interests ahead of there own at all times. This can create tremendous amounts of...
2021-07-2015 minPharmD MoneyEp 17: The Worst Money Advice I've Seen On Social MediaWe live in a social world. It has created a way for people to share about all sorts of stuff. This information that people are producing can range from simple tasks to complex strategies. There is no shortage of financial advice that gets shared across social media platforms as well.However, some of this information is dangerous because of the lack of understanding of the topics that are being presented. Most of the time it's individuals who are sharing totally made up information and positioning it as fact. Because money is a complex subject, a lot of...
2021-07-1319 minPharmD MoneyEp 16: A Look Into Pharmacist SalariesIt's no secret that pharmacists get paid well. They should. They have accumulated an immense level of education and knowledge in a field that is extremely impactful to our communities. But it's no secret that pay within the industry is changing. So what does that mean for new grads just entering the profession and more tenured mid-career professionals who still have another 20 - 30 years left in their career?In this episode, Derek gives and outsiders opinion on what he thinks is going on and how he thinks it will affect the long term outlook of the profession...
2021-07-0616 minPharmD MoneyEp 15: AMA Mailbag EpisodeThe podcast is growing and with that there have been many questions from listeners emailed into the podcast@pharmdfp.com inbox. So, in this episode, Derek is going to answer 5 of those questions that listens have inquired about.Join in as Derek provides answers and context to the questions:- Do I hold the same philosophy about college as Gary V? Is going to college a waste of money?- If you could only recommend 1 thing to get some ones financial life in better order, what would it be?- What is cryptocurrency...
2021-06-2917 minPharmD MoneyEp 14: What To Anticipate When You Find Yourself Inheriting MoneyIn life there is always a beginning and an end. I'm sure all of us have had a loved one pass away at some point in our lives. But what happens when you are left with an inheritance?The amount of wealth that will pass to the next generation is projected to be anywhere between 30 and 70 trillion dollars. It is being called the great wealth transfer. So it's important to understand what opportunities, challenges and decisions you will encounter if you find yourself as an inheritor.In this episode, Derek will walk through considerations you...
2021-06-2217 minPharmD MoneyEP 13: Deciphering the greatest puzzle of all time. Tax CodeTo say that taxes are confusing is an understatement. With over 2,600 pages of Internal Revenue Code and approximately 800 different schedules and forms, I think it's safe to say that tax code could be considered one of the greatest puzzles of all time. However, it's one of the biggest levers we have to manage in financial planning. And for pharmacists, it's important to mange your tax liability and exposure continuously. So, in this episode, Derek will walk you through one of the most common tax forms most people are exposed to. Form 1040. How it works, what in...
2021-06-1516 minPharmD MoneyEp 12: 5 Steps to Create Your Own Financial PlanWhether you like it or not, everyone has a financial plan. Not doing anything is a financial plan. Planning by yourself using simple or complex software is financial planning. Working with a financial professional to help build a financial plan is financial planning. There is nothing wrong with wanting to create a financial plan on your own. However, it can be tricky trying to figure out how to get started and what actions are needed to move forward. So, in this episode, Derek walks through the 5 steps he believes any individuals can take to create th...
2021-06-0815 minPharmD MoneyEp 11: 8 Years In and Going Strong: An Interview with Kortney Delaney, PharmDThe world of pharmacy has changed a lot over the last 8 years. There are more pharmacy schools than ever, jobs are harder to come by, pay for new grads is getting lower, and the pharmacy industry as a whole is trying to work through the adoption of increased technology. So, with all of that going on, I thought it would be appropriate to bring on a guest. Kortney Delaney - PharmD, talks about the last 8 years of her pharmacy career, what she anticipates seeing in the future within the industry, and some advice for new grads getting r...
2021-06-0114 minPharmD MoneyEp 10: Capital Gain TaxesWith the implementation of zero trading costs, it has become more common than ever for retail investors to open their own trading accounts and start investing. The thrill of earning a profit when an investment works out, is phenomenal!But don't forget that whenever you earn a profit, the IRS will be waiting. So in this episode Derek will discuss capital gains taxes. What are they? When will you owe them? And, how do they affect the other taxes you owe throughout the year?Enjoy the episode!
2021-05-2514 minPharmD MoneyEp 8: Should you roll your 401(k) into an IRA?It's rare these days for someone to work their entire life with one company. It's also uncommon these days to find a company that is going to provide you with a pension. This forces people to take advantage of other retirement plans, like a 401(k). So in this episode Derek is going to walk you through a common decision people find themselves having to make. Do you keep your money inside your 401(k) after a job change, or move it into an IRA?
2021-05-1115 minPharmD MoneyEp 7: Life Insurance. Term or Permanent?Some of the first type of interactions a young pharmacist may have with a "financial advisor" may very well be around the topic of life insurance. Life insurance is a useful product but many times the sale of life insurance can blur the lines between a beneficial product or a regrettable buying experience. In this episode, Derek will go over the basics of life insurance. He'll touch on some of the benefits you should be aware of, common features, and how to identify if your current life insurance is still appropriate for you.
2021-05-0419 minPharmD MoneyEp 6: A Breakdown of Student LoansOne of the biggest financial stressors for a young pharmacists is student debt. It's confusing to figure out what you have, what your repayment options are, and how to get to the finish line of paying them off as efficiently as possible. In this episode, Derek will breakdown what common questions pharmacists will face when it comes time to repaying their student loans. He will also provide some insight into a few of the many different area's of student loan planning.
2021-04-2717 minPharmD MoneyEp 4: Fail Fast. How To Navigate Financial RoadblocksMoney is complicated. You spend a large part of your life pursing it while simultaneously trying not to lose it. In the episode, Derek concentrates on 3 areas where pharmacists tend to find themselves experiencing those financial roadblocks and ways they can navigate their way out as quickly as possible.Roadblock# 1: Digging out of debtRoadblock #2: FOMOA (Fear of Missing Out, Again)Roadblock # 3: Buyer's Remorse
2021-04-1314 minPharmD MoneyEp 3: Pharmacist Financial Life StagesA career as a pharmacist isn't a normal 9 - 5 profession. It can difficult to determine if you are on the right track. It can even be more stressful when you start comparing yourself to others. That is why in this episode, Derek gives you an idea of what a "typical" financial progression looks like for a pharmacist professional. Everyone's financial situation is different and unique, but this episode will attempt to provide an idea of what you could potentially anticipate in your financial life. Stage 1: New Grad StageStage 2: Growth and Opportunity StageSt...
2021-04-0615 minPharmD MoneyEp 2: Top 5 Core Money PrinciplesFinancial Wellness can mean many things to different people. In this episode, Derek breaks down what his 5 core money principles are. They are not universal, but are a great place to start if you are trying to build a stronger relationship with money!#1: Money is a tool, not a goal#2: You can't manage what you don't measure#3: Discipline equals freedom, motivation equals a mirage#4: Ignore and avoid status games#5: If you don't have health, you don't have anything
2021-03-3014 minPharmD MoneyEp 1: Introduction to the PharmD Money PodcastOn this episode of the PharmD Money podcast, host, Derek Delaney discusses his motives for starting the PharmD Money podcast. He also explains what his intent for the podcast is and what he is hoping to provide to the pharmacist community. Finally, Derek gives a brief background of his financial planning firm, PharmD Financial Planning and what makes it different compared to the many other financial planning firms pharmacists have access too.
2021-03-0914 min
Inside Education - a podcast for educators interested in teachingProgramme 402, Derek Sivers on Learning, Creating and Educating (20-5-20)Presented and produced by Seán Delaney.
This week on the podcast my guest is Derek Sivers, a musician who founded the CD company CD Baby before leaving it to write and practise philosophy. His website is well worth checking out. Among the topics we discuss on the podcast are:
We all have the ability to be smart or to be stupid and how some environments reward stupidity and others reward being smart
Thriving educationally in and out of school: being engaged and receiving direct feedback
The power of finding the intersection between students’ interests and a n...
2020-05-201h 10
Informed Decisions Independent Financial Planning & Money PodcastRetire Successfully, with Derek Bell - Podcast 169Welcome back to Ireland's award-winning Financial Planning Blog & Podcast. This week we were excited to chat with return-guest, Derek Bell of the Retirement Planning Council (RPC). In this episode Derek and Paddy explore and share insights on: - State Pension changes - Income Tax in retirement - RPC courses & supports - Common retirement planning mistakes - Retirement spending Do's & Don'ts - Retaining control of your Time in retirement And more! We hope it helps. Paddy Delaney
2020-03-0256 min
Informed Decisions Independent Financial Planning & Money PodcastPodcast111: The Derek Bell Interview - How To Retire Well!Welcome to Ireland's only dedicated and straight-talking Personal Finance & Financial Planning Podcast. Delighted you have decided to have a look at this weeks' episode. Firstly, want to say a heart-felt thank you to all listeners of the Podcast and readers of the Blog for their encouragement and feedback over the past 2 years, we picked up the title of 'Ireland's Best Finance Blog' at the Irish Blog Awards last week in Dublin, totally surprised to win it for the 2nd year in a row, particularly against such top-drawer blogs as the Zurich, Bank Of Ireland, Taxback.com to name just...
2018-10-2941 min