Welcome to The Gold Collar Investor Podcast with your host, Pancham Gupta. This podcast is dedicated to helping the high paid professionals to break out of the Wall Street investments and create multiple income streams. Here’s your host, Pancham Gupta.

Hi, this is Joe Fairless. If you want to diversify out of Wall Street investments, then listen to The Gold Collar Investor Podcast,

Pancham Gupta  Welcome to The Gold Collar Investor Podcast. This is your host, Pancham.  Really appreciate you for tuning in today. Let’s get into today’s show. I have a different kind of show today. I have Brian LaBovick, as my guest on the show. He’s a West Palm Beach personal injury attorney. He always wanted to be the hero who saves people and as a personal injury lawyer, he gets to do just that. He’s the author of the book, Not A Good Neighbor, very highly rated on Amazon. And on this show, he talks about what to do when you get into a car accident. And also, he touches on what kind of insurances you should take for your own personal *inaudible*. And without further ado, let’s welcome Brian. Hey, Brian, welcome to the show. 

Brian LaBovick  Super happy to be here. Thank you for having me.

Pancham Gupta  Thank you for taking time to be on the show.  This show is going to be completely different from what we have done in the past. We’ve done estate planning, we have done, you know, asset protection, but this is a different kind of protection we’re going to talk about so before we get started, are you ready to fire up my listener to be their own lawyer?

Brian LaBovick  Yes, I am. Let’s fire them up to be their own lawyer. I’m in on that.

Pancham Gupta  Great. So, Brian, let’s start with your background. Can you tell our listeners about your background and more importantly, the person behind that background?

Brian LaBovick  So, my background is that I grew up in Ohio based but born in Pittsburgh. I’m a huge Pittsburgh Steelers fan still. Oh, I grew up in Ohio. 

Pancham Gupta  Me too. 

Brian LaBovick  Oh, you are? I didn’t know that. 

Pancham Gupta  I went to school in Pittsburgh. So, me and my son, everyone is a Steelers’s fan.

Brian LaBovick  That’s, oh man. Now I really like you. You have no idea how happy I am. Anyways, I am Steelers fan, came down to Florida for law school. I graduated from University of Miami law school and joined the Justice Department in what they call the honors graduate program. So I was, it was the only way to get into justice right out of law school, otherwise, they need at least two years of experience. So that was a big honor for me. I joined them for a short time. I then went out after the government and started my own firm, but I was representing one law firm as their trial, you know, arm. So, they were giving me everything that they had to go to court on. The owner was a personal injury lawyer who didn’t go to court at all, he was afraid of court, so he hired young prosecutors to just go in and be his trial arm. Then I decided to open up on my own. I ended up having my own firm and got lucky in that. I saw a firm for sale in Jupiter, Florida and I moved to Jupiter to buy that law firm. And that turned into a really wonderful investment. So, my first investment outside of Wall Street because I know you ask your listeners that or other podcasts which are amazing. Like, your subject matter is amazing. I love this podcast. But my first investment was in myself. And I actually borrowed money to invest it. So, I bought this guy’s law firm and it turned into a wonderful thing for us. 

Pancham Gupta  So how long ago was that? 

Brian LaBovick  1993 I think was the year that I moved the practice to Jupiter and bought the law firm. I started it in October of 1991. So actually, October of 1991. This year is 30 years of being my own boss, who is pretty amazing.

Pancham Gupta  So that’s great, Brian. So, let’s dive in. I was really intrigued by your book, you have written this book, which talks about, you know, the title of the book is Not a Good Neighbor, you know, and it talks about how you can be your own lawyer in case of a car accident, maybe some other things too. So can you tell us about what got you to a point of actually writing a book and what does this you know, if I’m a listener, and I have I’m actually totally unaware of any of this that you’re going to talk about and what’s in the book. So, tell us about, you know, why you wrote the book and what is it about and for a common person who doesn’t know anything about this?

Brian LaBovick  So, I wrote the book for a number of reasons. But you know, the concept of writing a book is a little daunting and was for me for a long time. I’ve actually tried to write a book on a couple of occasions, even all the way back to high school a buddy and I tried to write a fantasy novel when we were, you know, sitting around When we were young, but you never bring that thing to fruition you started. It’s hard. It dies somewhere halfway through, and you never really make it but a client of mine, he wasn’t even a client, a gentleman who called up for help, who was a friend of a friend, and asked me for help on his case, he was trying to run his own automobile accident case. And he said, listen, I just want advice, can you help me out, my friend said you’d help me. And I decided to help him through it. And it turned out really well for him. He was, he was one of the few people that really followed instructions and got the job done, understood the negatives and the positives that were going to go on when he did this on his own. And he really appreciated the process. I didn’t mind coaching him through it. And he got to a resolution that worked for him. And he said to me, at the end, he goes, this was amazing. There’s a lot of people like me in the world, you should write a book, right? And there’s instruction manuals out there on how to do things. But it’s really hard to learn when somebody says step one, do this, step two, do that step three, do that, when you really need our stories, you know, allegorical rationales that go along so that you can hear the way that the workflow is process. And so that’s kind of how I taught him, right. Like, I would tell him what he needs to do. And then I would tell him a story about what happened to me in the past, and how it worked, right. So, the, the whole system within the story because people learn from stories, right? 

Pancham Gupta  Exactly. So that book was very specific, or this book is very specific to automobile accidents only.

Brian LaBovick  Yes. 

Pancham Gupta  Okay. 

Brian LaBovick  For the most part. Yeah. So, I started to write the book, there is some stories and some instruction on other things other than automobile accidents, slip and fall cases, dog bite cases, some other minor things, but really, I tried to home in on automobile accident cases, so that people can help themselves.

Pancham Gupta  Right, right. Sorry to interrupt you there. So, let’s define an automobile accident, you know, I know it’s, it sounds very, you know, simple, okay, automobile accident, people visualize a lot of different things. So, can you give us a scenario, or you know where this would be helpful, and then we can dive into how they can be their own liar when this happens?

Brian LaBovick  Oh, sure. So, automobile accidents would entail not just automobiles, but it’s really any motorized vehicle when you’re traveling on a Florida roadway. So, when you’re traveling on the road, I’m in Florida, you could apply at any state for the most part, but when you’re traveling on the road, and a car, on a motorcycle, in a truck, you know, even on a bicycle, or as a pedestrian, and you come into contact with another motorized vehicle. So, if you get hit by a car, or motorcycle, and truck, and there’s a collision between those two entities, you’re going to on many occasions cause human damage. So, you’re going to cause property damage, and then you’re going to have personal injury, human death. And it’s the scenario of looking at all of those different things, because that could happen in a lot of ways. It could happen at an intersection, it could happen driving on the highway, it could happen in a parking lot, it could happen, you know, pulling out of your garage, I mean, there’s a gazillion places that the accident could happen. So depending on circumstance, and depending on vehicle type, whether it’s a motorcycle, a truck, Arp, you know, commercial vehicle, there’s a lot of factors that go into play, you have to understand what the factors are, what insurances are going to come into play, and what your rights are, like, what you can actually expect to collect, and what entity whether it’s your insurance is insurance, the other person personally, is going to be expected to come out of pocket to pay for those cameras. So, it’s discussing a lot of that.

Pancham Gupta  Got it got it. So, you know, just touch briefly on each of those subjects that you mentioned that, okay, so if you are a recipient, let’s say you are in this particular incident, and you want to now go over this overwhelming thing, and not only to take care of yourself, but also take care of these things that you know, this legal stuff. So how can they go about it? And what are the pitfalls that they have to look into.

Brian LaBovick  So, there’s a lot of pitfalls clearly, and I think that the first thing that people need to recognize is that they shouldn’t try to handle a claim of significant value on their own. So that’s kind of a disclaimer in the very first part of the book, is that the book is not designed for you to take a case and maximize the value of that case and get everything that you’re entitled to in a really significant case. So anytime you’re in the hospital, you’ve broken bones you’ve you know, got a brain injury you’ve got a lot of property damage where you’re hurt and you know, there’s you know, your car is precious, totaled car, etcetera. When there’s a lot of damage, you really would be better served to go to an attorney who’s qualified and have that attorney, maximize the value of decades for you, which includes getting you the best medical care and making sure your property damages is covered and making sure that you maximize the amount of money for future medical care that’s available for you. And pain and suffering damages. So, there’s a lot of factors that go into play, this book is directed to the thousands and thousands of people out there that are in fairly minor accidents that aren’t sure if they really need a lawyer, but really don’t want to be involved with a lawyer would love to be able to work out the claim on their own. And it’s to help them get through that without needing to call a lawyer on the phone and get somebody involved. In really a case that doesn’t help the lawyer or the client that much. But that’s really, and that’s a good majority of the cases that are out in the marketplace right now.

Pancham Gupta  Right, exactly. So, let’s say, you know, there is someone who is listening, and they’ve been through this, or they potentially can be in this situation. So, what is the first step they have to do to kind of take care of once they are hit by a car, or they are in an accident, or who they have to call the first thing?

Brian LaBovick  Alright, so if you’re involved in an accident, and you’re not severely burnt, you’ve got a minor injury, maybe you need to see the doctor, but you’re not sure if you really need to get a lawyer, right. So, you’re in this accident, you get bumped from behind at a red light, or your car gets hit in a parking lot, and you got some damaged your bumper, you may not feel perfect, but you need to understand what I do next, right. So, the first thing that you need to do is you need to gather the evidence at the scene of the accident. So, get out your phone, everybody’s got a smartphone now, hopefully, and start taking photos, take videos, get statements, get the evidence of what’s going on around you, so that no one can point to you as being at fault later on. Because everybody likes to say, oh, I’m sorry, I’m sorry, let’s not call the police. But later on, when you end up talking to your insurance company, and they talk to the other person’s insurance company, you’re gonna find out that that other person told his company, you were at fault. So, you better gather that evidence right up front, that’s really important. And so, I usually tell people, even if you’re not hurt, or you don’t think you’re badly hurt, call the police. Explained to the police what happened, let them give an exchange of information, let them get everybody’s basic information, let them do a report. You know, if the other person you know, gets a citation, that’s not your fault, they’re the ones who cause this. So, you unfortunately need to have that done. So that’s our first bit of advice, get photos, get names, call the police. That’s your first call. After that, you’re going to want to call your insurance company and make a claim, get a claim started. And then depending on what state you’re in, will depend on how your medical is going to be handled. So, in some states, you’re going to go directly to your health insurance, you’re going to see your own doctor’s hearing to put on your health insurance. In many states, and in many automobile insurances, you’re going to have access to health care through that automobile policy, through your own policy, right. So, there’s two types of medical care that you could get under your policy. One is called personal injury protection, PIP about 12 states have that. And then every state has medical payments, insurance. So, you want to look to your own policy to see if you have that. And that’s the start.

Pancham Gupta  Got it. And once you have all of that done, and then basically, then it’s the process to just follow the process you doctor insurance in Virgo to this process. So is there. Let’s say the other party has a lawyer involved and you don’t does the dynamic change in that case? Should the person ,

Brian LaBovick  Not a one and I tell you why. The good thing about having insurance as long as you have your own insurance, regardless of what the other party does, you need to move your case forward so that you handle your own issues. So, your issues are, how’s my car getting repaired? Do I have any lost wages? Are my medical bills getting paid? Do I have any future you know, damages that I need covered, right? You need to get that done. If you don’t have a permanent injury, which hopefully you don’t in a minor accident, then you get those covered, you close your case you move forward in your life, the other side is no longer your concern. If you have insurance, your insurance company will hire a lawyer to defend you against the other party’s lawyer. You really don’t have to worry about that. So, I wouldn’t be concerned if you haven’t, you know, insurance if the other side gets some more.

Pancham Gupta  So, is there any specific things that we have to take care of in the insurance like when I get my insurance, for example, from Geico or state farm or whatever? We, you know, we look at the deductible and some of the other things and just buy the policy, right. So, is there any specific insurance that you recommend?

Brian LaBovick  Yes. And so, we do make, in the book, we do discuss all the different segments of automobile insurance. So, people need to realize that automobile insurance isn’t this monolithic piece of paper where you’re like, here’s your automobile. You don’t just buy here, you got it right. You buy segments of insurance, that all add up to be your policy. So, in your policy, you have a state minimum amount of insurance that you must buy, every state has a different minimum type of insurance. So, you buy that type of insurance, then you need to look and see what else do I need to be covered properly, right? So, the first thing is that usually state minimums on property damage, in other words, how much damage to somebody else’s property you cover are usually pretty low. So, I usually, you know, tell people, you may want to up the amount of insurance, you get on that, just to cover you for any property issues. And it’s usually very inexpensive to get that you can go from $10,000 to $50,000, for a very little bit of money in your premium kit. The other thing that you can get, that’s expensive, but you must get if you want to properly protect yourself and other people is called bodily injury insurance in most states have a mandatory amount of bodily injury that you must buy. Bodily injury is the insurance that will save you if you hurt somebody, and they sue you, right. So, you get protection if you hurt someone else’s body, right, bodily injured, but usually those amounts are relatively low, some states have high amounts, but Florida has zero. So, there’s actually zero bodily injury mandatory in Florida. And so, because of that, I advise all of my clients to get bodily injury insurance. The most important reason to get bodily injury insurance is that when you get it, you can buy a flip side insurance to it, it opens the door to another type of insurance. And that insurance is called uninsured motorist and underinsured motorist insurance UM and UIM. Now in my state, you have a new IMR identical, they cover the same things they work in the same way. They’re very simple. In other states, those things are a little different. And you need to ask your insurance agent to explain to you how UM works and UIM works because they may work a little differently. One may cover you a little more or another depending on the guy who or person who hit you and cause you damage. So, you need to understand UIM. But in almost every state, you can’t buy UM or UIM  unless you buy bodily injury first. In other words, no one would cover other people getting hurt, they would only cover themselves, right? But we want to force people to make sure that they are responsible if they hurt somebody before they take care of themselves. So that’s the impetus to making one you know, on top of the other. 

Pancham Gupta  Great. So, you have the property damages and then we have bodily injury Then we have UM, and UIM which is the uninsured or underinsured,

Brian LaBovick  Right, then you may want to buy supplemental health coverage, right, which in most states is called medical payments, insurance med pay m e d p a y. but in some states, you have PIP, personal injury protection, which also covers you for your own personal medical bills. And it’s the primary insurance in almost all situations. So, in our state, where we have PIP, if you’re injured in an automobile accident, and it doesn’t matter whether anybody is at fault or not, you could drive into a tree because you fall asleep at the wheel, PIP will still cover you, right. You could be getting into your car literally getting in or out of your car, and trip on that you know, limp of your car door, and bump your head and get passed out. And you know, all of that will be covered by your PIP insurance. And you know, anything that happens in your car. So, it’s good insurance because it helps people get their medical bills covered. And especially in a state where you know, there’s a lot of emergency care. So, it makes sure that your ambulances get paid your ER doc’s get paid, the ER, physicians itself get paid. So that’s all really important for the state, society to function well ,make sure that your emergency care gets paid.

Pancham Gupta  Got it. Got it. So, let’s switch to let’s say we have, you know, business owners, and, you know, they may have employees who are driving business cars, right, like, you know, it’s in the name of let’s say, you know, Mesos Capital right here we have you know our employee driving car in our name, which is, you know, so is there a different kind of insurance in that case you would buy on that particular case are still all the same applies, and it’s same,

Brian LaBovick  It’s a little different. So, there is a business policy that you need to purchase. The business policies are expensive, and you need to buy a lot of insurance if you’re going to cover a business because employees tend to be involved in automobile accidents a lot for some reason. I mean, I can’t tell you why, but we run into businesses that get sued often because employees are out driving, and they heard something. And that could be anything from a pizza delivery guy to somebody who runs an errand for their boss at Home Depot. You know, like, you know, if your boss tells you Hey, listen, we’re at a staples, run to Home Depot and get something and you run somebody over in the parking lot and killed them. Your boss is responsible, your corporations responsible for that. So, you need to be protected from all of that. And there’s some insurances that cover you, if they’re in a corporate car, others that cover you, if they’re just on their own car, and they’re out on work detail. So, you need to make sure that you talk to your insurance agent, cover your business and all situations. If you own cars, you need fleet policy, or trucks or whatever you have on the road. And if you don’t, and you make people drive their own cars, then you need to have your own operator coverage for the business. 

Pancham Gupta  Wow, okay, that’s great. Cool. So, is there anything else that people need to be aware of when it comes to protecting themselves being their own lawyers?

Brian LaBovick  Yeah, I, let’s see, I think the thing that people need to really be aware of is that insurance is not your friend. You know, like, the adjusters are trained to be very friendly, and they get more bees with honey than they do with vinegar. So, they’re nice too, until they think there’s a reason that they don’t need to be nice to you, which is when they want to give you money. And then if you don’t have your ducks lined up, they’re not going to be nice to like, there’s nobody who’s going to give you money because they feel bad, they can be empathetic, it can be a good ear, and then they can tell you why they can’t give you any money. And that’s their job. So, you need to be aware that as friendly and as good as your insurance company sounds like they’re being they’re looking out for their own best interests, and you need to look out for your own best interest. So, gather your own evidence, get your own witnesses, take your own photos, make sure you have all your ducks lined up, make sure that you get estimates on all your property damage. Don’t believe the adjuster is telling you that your car is only worth X amount of money get on kelleybluebook com or any of the sites that allow you to figure out and get a good estimate for your car so that you can verbally challenge that lowball estimate on what they’re going to pay for your property. All those little tricks, and we cover a lot of those in the book.

Pancham Gupta  Yeah, so anyone who is listening, and either is going to the situation or want to learn more about this particular thing, I would definitely encourage you to go to Amazon and type Not a Good Neighbor, right?

Brian LaBovick  Yeah, Not A Good Neighbor, or just type my last name. It’s the only book I’ve ever published.

Pancham Gupta  Great. So, we’ll be back after this message… If you’re an accredited investor and have been thinking about putting your money to work for you, then I have a good news for you. I have created an investor club, which I call The Gold Collar Investor Club, I will be putting together investing opportunities exclusively for the group. These are the opportunities where I have done the due diligence for you, and we’ll be investing my own money alongside you. If you are interested, please sign up on thegoldcollar investor.com/club, I repeat, thegoldcollarinvestor.com/club, I will reach out to schedule a 30 minute phone conversation to discuss your investing goals. Once you sign up, this can be a good opportunity to diversify and take some chips off the hands of Wall Street to produce some passive income. And in case you were wondering, what is an accredited investor, accredited investor is someone who has earned more than $200,000 as filing single or more than $300,000 filing jointly for last two years. Another way to qualify as an accredited investor is if your total net worth is more than $1 million, excluding your personal home. It includes your stocks, 401k’s, IRAs, cars, etc. Just not the equity in your personal home. If this is you, I would highly encourage you to sign up.. So, Brian, we are going to go to the next section of the show which I call taking the leap round, I ask these four questions to every guest on the show. Actually, for you, I will ask one more question which I usually ask in the first part of the show. It stress do you have a morning routine that you follow and if so do you think that attributes to your success?

Brian LaBovick  Okay. Absolutely. I do have a morning routine that I follow. I’m having a hard time following it now because I’ve moved to the keys for a few months while my home is being renovated. So doing my morning routine is hard. But I still, I still try to do it which means that I have to get up at 330 in the morning and get in the car and drive two hours to get to the office to do my morning routine. But it’s very helpful for me to run my day in my life and keep my head clear to have my morning routine.

Pancham Gupta  So, is there anything specific that you can share?

Brian LaBovick  Oh well, my morning routine is that it’s basically an exercise routine. I wake up in the morning, and I have a set on my calendar, a group of things that I read every morning, those things are affirmations of what I’m looking to accomplish here, and what I’m looking to create with regards to the culture of my law firm that my businesses, and then I go to the office, and I exercise. And I do that, probably four to five days a week, I try to do that four to five days a week. And that clears my head. And then I immediately have every day set a nine o’clock meeting with one of my team members. So, I get to start my day off with a leader a one on one, or looking at something that’s important, like every morning, just to start that morning off. And then after that my day progresses, depending on what needs to happen, but that’s pretty much from 6am to 10am. That’s my life. 

Pancham Gupta  Wow, that’s pretty cool. Thank you for sharing that. So, you know, I actually do a lot of those things that you mentioned from our Miracle Morning book that I read a long time back.

Brian LaBovick  Oh, I think that Hello Rod is amazing. If I could figure out how to get myself to concentrate and meditate, that would be good. So, I’m trying to learn that I think his book is amazing. Morning miracle five minute morning miracle. 

Pancham Gupta  Yeah. Great. So, my first question, which I think you answered already, which is when was the first time you invested outside on Wall Street, was it in 1991 when you bought that law firm?

Brian LaBovick  Yes, I would say that probably was my first real investment outside of Wall Street.

Pancham Gupta  Got it. Did you have any fears that you had to overcome when you bought that law firm, especially out of state to you know, you’re went to Jupiter?

Brian LaBovick  Yeah, I was, it was a lot of fear. I was in Florida, and I was deciding a lot. You know, like, there’s a lot of fear that goes into that. The biggest fear is that the gross receivables of the law firm, the year before I bought, it was $33,000. So, I was buying something that had no real money in it, I was really buying some small amount of assets and a yellow page ad and a secretary who was working in it. So, I bought a system that was almost completely undeveloped, you know, but I wanted a jumpstart. And so, it worked for me. So, we ended up coming to a good, good price and a good board. And it was my first investment and it worked out. 

Pancham Gupta  Great. So, my third question is, do you have any investment that has not gone as expected and can you share that with us?

Brian LaBovick  Oh, do I? Yeah, I’ve had a lot of investments that have not gone as expected. For example, I opened up a Tropical Smoothie Cafe, which is a franchise, and I did that with somebody very close to me. And we had very different work styles, we had very different work ethics, we had very different talent sets. And he was doing a talent set in a thing that he probably shouldn’t have been doing. I was doing some things that I shouldn’t be doing, because they weren’t within my talents that and between the two of us, we decided to fail spectacularly for five years before we lost our investment and closed it down. And it really wasn’t, there was a lot of factors that ended up hedging against us. I mean, we got into a place that the roads closed down, and lots of other crazy things happened, the economy crashed, because we did it right in like 2008-9 and so then we were like living with it, you know, like, in a terrible time when people weren’t spending a lot of money on expensive smoothies. But in general, I think that it was a failure of concept because I didn’t really recognize, I didn’t know what I was doing. I was getting into something where I didn’t know what I was doing. And I thought that by buying a business in a box, which is what I call a franchise, you divide the franchise, they give you a box of goodies, and they say, here’s your business for this and your brandings done, and your market share is pretty much done and you just like set it up and do their thing and you should be okay. It’s not that easy. You know, I didn’t know restaurants, I didn’t have time for it. We ended up having a lot of tumbles in our life because of it.

Pancham Gupta  Yeah, you know, you do, and you learn. That’s what I say like these are all real world seminars and education. Alright, so my last question for you is, what is one piece of advice would you give to someone who is, you know, thinking of investing in businesses and outside of Wall Street, really,

Brian LaBovick  I am a big believer in investing outside of Wall Street. Like I said, I heard some of your podcasts and I think they’re amazing. I really love the one that you just did recently on, you know, investing in mortgages outside of, you know, their paper stack and looking at that, that man, brilliant idea. So anyways, I believe that people should be investing in themselves. I believe that they should be investing in things that they love things that they believe in things that they’re convinced are good in the world. Think that people who follow those dreams and follow those concepts and want to serve, some community will end up having a really great payoff in the long run. And I don’t think that people should follow the money as much as they should follow the dream of doing something good. In the world, and that the money can follow thereafter. There’s almost nothing that you do that the money isn’t good enough that it’s worth doing if you’re helping people.

Pancham Gupta  Absolutely. I’m such a big believer in that thought. So, thank you, Brian, how can listeners connect with you if they want to connect, find out more about your services and you know, maybe they’re dealing with a situation that they need help with how they can connect with you.

Brian LaBovick  So, all they need to know is my name. So, Brian with an I BRI  LaBovick which is  L A B O V I C K  But on the internet, you don’t have to capitalize anything. So just type my name in and I’ve got brianlabovick.com which is my personal brand website. I’ve got labovick. com, which is my law firm website, I’ve got Yahoo, you know, popping up, I’ve got Amazon popping up. I’ve got I’m on target, and Barnes and Nobles. And there’s a lot out there. So, if you just know my last name, you almost can’t avoid me, and just get me through any of those sources and I’d be happy to write people back, email them back, back to the back, call them back, whatever they like. I’m super accessible. 

Pancham Gupta  Great. Thank you, Brian, for your time. It’s been super helpful. And some of these things were new to me as well. So, thank you for sharing your knowledge.

Brian LaBovick  Thank you for having me. I really was a pleasure and I love your podcast, it’s brilliant.

Pancham Gupta  Thank you Brian. Thank you for listening. If you have questions, email me at p@thegold collarinvestor.com that’s p as in Paul @thegoldcollarinvestor.com This is Pancham signing off. Until next time, take care.

Thank you for listening to The Gold Collar Investor Podcast. If you love what you’ve heard and you want more of Pancham Gupta, visit us at www.thegoldcollar investor.com and follow us on Facebook @thegoldcollarinvestor. The information on this podcast are opinions.  As always, please consult your own financial team before investing.