What’s a Financial Go Bag and Why Do You Need It?
Individuals can protect, and quickly access, their most important financial documents and resources during unexpected emergencies or disasters if they prepare a "financial go bag". Today's Stocks & Topics: ENPH - Enphase Energy Inc., Market Wrap, TTI - Tetra Technologies Inc., CROX - Crocs Inc., What’s a Financial Go Bag and Why Do You Need It?, Key Benchmark Numbers: Treasury Yields, Gold, ...
50m Jan 25, 2025
50m
How to Use Artificial Intelligence to Invest
Powerful "AI" tools that enhance decision-making processes and portfolio management are revolutionizing investment strategies. Today's Stocks & Topics: COP - ConocoPhillips, Market Wrap, HWM - Howmet Aerospace Inc., How to Use Artificial Intelligence to Invest, BMY - Bristol Myers Squibb Co., LNN - Lindsay Corp., Insurance Premiums, DAL - Delta Air Lines Inc., EVVTY - Evolution Gaming Group AB...
49m Jan 24, 2025
49m
25% Tariffs: What Will Cost More from Mexico and Canada?
New tariffs bring a potential for rising costs on key imports like automotive parts, agricultural products, industrial machinery, electronics, and consumer goods. Today's Stocks & Topics: AXON - Axon Enterprise Inc., Market Wrap, DG - Dollar General Corp., TSCO - Tractor Supply Co., 25% Tariffs: What Will Cost More from Mexico and Canada?, ARLP - Alliance Resource Partners L.P., U.S. Oil and...
50m Jan 23, 2025
50m
8 Common Investing Mistakes to Avoid
Critical errors, such as poor portfolio diversification and inadequate long-term planning strategies, can undermine financial growth. Today's Stocks & Topics: LULU - Lululemon Athletica Inc., Market Wrap, JEPQ - J.P. Morgan Nasdaq Equity Premium Income ETF, JEPI – J.P. Morgan Equity Premium Income ETF., 8 Common Investing Mistakes to Avoid, AAPL - Apple Inc., Crypto Currency, Destroyed Homes...
50m Jan 22, 2025
50m
Best of Caller Questions - Martin Luther King Jr. Day
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Trend Following, Return of Equity and Ret. Of Assets, Quant Investing, Treasuries, Index Funds, Money Market Funds, 401k Withdrawal, Dividend Reinvestment, Short Selling vs. Put Options, Covered Call...
51m Jan 21, 2025
51m
Down Payment Strategies for Home Buyers: How Much Do You Really Need?
Depending on loan type, credit score, and financial circumstances, homebuyers can choose from various mortgage options. Today's Stocks & Topics: XOVR – ER Shares Private-Public Crossover ETF, Market Wrap, EMN - Eastman Chemical Co., ZS - Zscaler Inc., How to Analyze ETFs, RSPU - Invesco S&P 500 Equal Weight Utilities ETF, FXU - First Trust Utilities Alpha DEX Fund, U.S. Debt Ceiling, Key Ben...
49m Jan 18, 2025
49m
10 ETF Investment Strategies (and How They Work)
Investors can leverage ten distinct Exchange-Traded Fund (ETF) investment strategies to diversify their portfolios, optimize returns, and manage risk across different market conditions. Today's Stocks & Topics: MSTY - YieldMax MSTR Option Income Strategy ETF, Market Wrap, EPRT - Essential Properties Realty Trust Inc., CVNA - Carvana Co. Cl A, 10 ETF Investment Strategies (and How They Work),...
51m Jan 17, 2025
51m
5 Common Mistakes with Money Market Accounts
Investors often make critical errors when managing money market accounts, including inefficiently allocating capital to these low-yield financial instruments. Today's Stocks & Topics: NRG - NRG Energy Inc., Market Wrap, EXPI - eXp World Holdings Inc., 5 Common Mistakes with Money Market Accounts, LRCX - Lam Research Corp., VNQ - Vanguard Real Estate ETF, TROW - T. Rowe Price Group Inc., Priv...
50m Jan 16, 2025
50m
Global Economic Growth Stagnates at 2.8% in 2025, UN Report Warns
According to the United Nations, developing countries in particular are vulnerable to economic pressures, the challenges of weak investment, and high debt. Today's Stocks & Topics: SAM - Boston Beer Co. Cl A, Market Wrap, IBP - Installed Building Products Inc., Global Economic Growth Stagnates at 2.8% in 2025, UN Report Warns, Rental Properties Insurance, Mortgage Rates, AMD - Advanced Micro...
50m Jan 15, 2025
50m
Innovative Strategies to Generate Passive Income and Build Wealth
Passive income offers a powerful method to supplement earnings and create financial resilience by generating money through alternative sources beyond traditional employment. Today's Stocks & Topics: PAYC - Paycom Software Inc., Market Wrap, MU - Micron Technology Inc., SD - SandRidge Energy Inc., Innovative Strategies to Generate Passive Income and Build Wealth, EXP - Eagle Materials Inc., I...
51m Jan 14, 2025
51m
Real Estate vs. Stocks: Which is the Better Investment?
Investors face a crucial decision when choosing between real estate and stocks to grow their wealth. Today's Stocks & Topics: KDP - Keurig Dr Pepper Inc., AMAT - Applied Materials Inc., Real Estate vs. Stocks: Which is the Better Investment?, Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, PLTR - Palantir Technologies Inc., NCLH - Norwegian Cruise Line Holdings Ltd., ...
50m Jan 11, 2025
50m
Is a High-Yield Savings Account Still Worth It?
Despite recent Federal Reserve rate cuts, these accounts still provide yields around 4%, significantly outperforming the average savings rate of 0.43%. Today's Stocks & Topics: ADBE - Adobe Inc., O - Realty Income Corp., HIG - Hartford Financial Services Group Inc., Is a High-Yield Savings Account Still Worth It?, Restricted Stock Units (RSUs), Debt Ceiling, CCJ - Cameco Corp., UEC - Uranium E...
50m Jan 10, 2025
50m
Five Trends Shaping Oil, Gas, and Energy in 2025
The energy sector stands at a critical crossroads in 2025, with complex geopolitical and technological dynamics reshaping global energy strategies. Today's Stocks & Topics: HRB - H&R Block Inc., Market Wrap, VAW - Vanguard Materials ETF, UHT - Universal Health Realty Income Trust, Five Trends Shaping Oil, Gas, and Energy in 2025, MSM - MSC Industrial Direct Co., The Fed Meeting, Employee Stock...
51m Jan 09, 2025
51m
Resetting Your Finances for 2025: Strategies for Economic Changes
Anticipated economic shifts, including lower interest rates, changes in government policy, and the potential for rising inflation, will make it crucial to adjust your personal finance strategies. Today's Stocks & Topics: PRCT - PROCEPT BioRobotics Corp., AAP - Advance Auto Parts Inc., Market Wrap, PLTR - Palantir Technologies Inc., Resetting Your Finances for 2025: Strategies for Economic Ch...
52m Jan 08, 2025
52m
Don’t Compare Your Retirement Investments to the S&P 500
Judicious retirement planning should be more nuanced than simply tracking the performance of the S&P 500. Today's Stocks & Topics: AEP - American Electric Power Co. Inc., Market Wrap, OLP - One Liberty Properties Inc., China’s Industrial Overcapacity, LMT - Lockheed Martin Corp., Buying Corporate Bonds, Don’t Compare Your Retirement Investments to the S&P 500, COP - ConocoPhillips, PPG - PPG...
50m Jan 07, 2025
50m
Best of Caller Questions
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Energy Sector, Bonds vs. Money Market, Stock Valuation, Index-Linked Variable Annuities, Union Business Cycle, Conversion Roth 401k to Roth I-R-A, 401k Rollover, Preferred Stocks, Electric Vehicles a...
52m Jan 04, 2025
52m
Best of Caller Questions
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Fixed Index Annuities, Delaware Statutory Trust, 403b Plan Fees, High Yield Savings Account vs. Money Market Fund, Bonds and Treasuries, Transferring Money 401k to IRA, Portfolio Composition and Cyc...
52m Jan 03, 2025
52m
Best of Caller Questions - New Year's Day
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Trailing Stops, 529-Plan, Stop Orders, Roth I-R-A Contributions, Tariffs, 403B Plan, Covered Calls, Taking Profits, Inherited I-R-A, Reversion to the Mean, Equity and Retirement, Company's Debt, Roth...
50m Jan 02, 2025
50m
Best of Caller Questions - New Year's Eve
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Trend Following, Return of Equity and Ret. Of Assets, Quant Investing, Treasuries, Index Funds, Money Market Funds, 401k Withdrawal, Dividend Reinvestment, Short Selling vs. Put Options, Covered Call...
50m Jan 01, 2025
50m
Best of Caller Questions
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world.  Today's Stocks & Topics: Finance Books, ADRs vs. Buying Foreign Stocks, Buying in Credit Card Companies, KPP Management of ETFs, Asset Allocation, Annuities, Investing in Other Markets, Taking Profits, Insider Buying, Tra...
50m Dec 31, 2024
50m
Beware of Store Credit Cards: A Hidden Path to Debt Disaster
Consumers should be cautious, as these cards typically carry extremely high interest rates that can quickly turn savings into substantial debt. Today's Stocks & Topics: DG - Dollar General Corp., Market Wrap, PANW - Palo Alto Networks Inc., Beware of Store Credit Cards: A Hidden Path to Debt Disaster, Investment Loss, T - AT&T Inc., The Stock Market, Key Benchmark Numbers: Treasury Yields, G...
47m Dec 28, 2024
47m
8 Essential Financial Ratios Every Investor Should Know
Investors can evaluate potential stock investments by analyzing key metrics like earnings per share, price-to-earnings ratio, and return on equity. Today's Stocks & Topics: FIS - Fidelity National Information Services Inc., Market Wrap, INTC - Intel Corp., 8 Essential Financial Ratios Every Investor Should Know, COST - Costco Wholesale Corp., 401k and Tax Impact, Options Market, OXY - Occide...
48m Dec 27, 2024
48m
Best of Caller Questions - Christmas Day
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Starting a Roth I-R-A, How Long to Hold an Investment, Rollovers, Social Security Withdraw, Dividends, Covered Calls, Options Trading, Moving Averages, Investing Factors, Stock Split, REIT Space, 457...
50m Dec 26, 2024
50m
Best of Caller Questions - Christmas Eve
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Trailing Stops, 529-Plan, Stop Orders, Roth I-R-A Contributions, Tariffs, 403B Plan, Covered Calls, Taking Profits, Inherited I-R-A, Reversion to the Mean, Equity and Retirement, Company's Debt, Roth...
49m Dec 25, 2024
49m
New Retirees May Need to Rethink the 4% Rule
Due to lower anticipated returns on stocks, bonds, and cash, experts are projecting a lower "safe" withdrawal rate. Today's Stocks & Topics: CAVA - CAVA Group Inc., Market Wrap, ET - Energy Transfer LP, ODFL - Old Dominion Freight Line Inc., New Retirees May Need to Rethink the 4% Rule, EQT - EQT Corp., CTRA - Coterra Energy Inc., The Fed, MU - Micron Technology Inc., IIPR - Innovative Indus...
49m Dec 24, 2024
49m
China Sees Record $45.7 Billion Capital Outflow in November
China's capital markets experienced a record net outflow of $45.7 billion in November, marking the largest monthly deficit in this category. Today's Stocks & Topics: LDOS - Leidos Holdings Inc., Market Wrap, CVE - Cenovus Energy Inc., TRIP - Tripadvisor Inc., China Sees Record $45.7 Billion Capital Outflow in November, IIPR - Innovative Industrial Properties Inc., Key Benchmark Numbers: Treasu...
47m Dec 21, 2024
47m
Expert Tips for Saving Money During the Holiday Season
As the holiday season approaches, there are valuable strategies to help consumers navigate festive spending without breaking the bank. Today's Stocks & Topics: DHR - Danaher Corp., NKE - Nike Inc. Cl B, Market Wrap, MU - Micron Technology Inc., Expert Tips for Saving Money During the Holiday Season, Covered Calls, DOW - Dow Inc., ETFs Analysis, Liquidity Numbers, IONQ - IonQ Inc., OKE - ONEO...
49m Dec 20, 2024
49m
Dow Jones Faces Longest Losing Streak Since 1978
Investor caution, ahead of the Federal Reserve's coming interest rate decision, is the probable trigger for eight consecutive days of losses in the Dow Jones Industrial Average. Today's Stocks & Topics: MTW - Manitowoc Co., CIVI - Civitas Resources Inc., Oil, Protect Yourself from Identity Theft, DHI - D.R. Horton Inc., KBH - KB Home, DRIP Stocks, HSY - Hershey Co., The Fed and Interest Rate...
49m Dec 19, 2024
49m
Protect Yourself from Identity Theft
With identity theft on the rise, it's crucial to take proactive steps to safeguard personal information. Today's Stocks & Topics: AAON - AAON Inc., Market Wrap, Covered Calls, VLTO - Veralto Corp., Protect Yourself from Identity Theft, QCOM - Qualcomm Inc., TJX - TJX Cos., DDS - Dillard's Inc., Sentiment, DVN - Devon Energy Corp., U.S. – China Trade War. Advertising Inquiries: https://redcirc...
49m Dec 18, 2024
49m
The Delicate Balance of U.S. Stocks in 2025
Wall Street strategists anticipate a potentially challenging year ahead for U.S. stocks, with projections suggesting modest returns amid heightened policy uncertainty and elevated market valuations. Today's Stocks & Topics: TGT - Target Corp., Market Wrap, LECO - Lincoln Electric Holdings Inc., LECOLincoln Electric Holdings Inc., The Delicate Balance of U.S. Stocks in 2025, SLB - Schlumberge...
50m Dec 17, 2024
50m
The Santa Rally Gains Traction Amid Positive Economic Signals
In spite of a strong stock market rally, analysts are cautioning about potential volatility in early 2025. (The so-called "Santa rally" is fueled by positive economic indicators and supportive Federal Reserve policies but there is some concern regarding high valuations and geopolitical risks.) Today's Stocks & Topics: KHC - Kraft Heinz Co., Market Wrap, TSLA - Tesla Inc., ONTO - Onto Innova...
48m Dec 14, 2024
48m
What is Investment Suitability?
Investment suitability is a crucial concept that ensures investments align with an investor's risk tolerance, financial goals, and personal circumstances. (Governed by FINRA Rule 2111, it requires advisors and brokers to recommend investments that are appropriate for their clients' profiles, considering factors such as age, financial situation, and investment objectives.) Today's Stocks & T...
48m Dec 13, 2024
48m
Gold Prices Surge Amid Geopolitical Tensions in Syria
Concerns over the regime change in Syria and its implications for regional stability have prompted a flight to traditional safe-haven assets like gold. Today's Stocks & Topics: BRKB - Berkshire Hathaway Inc. Cl B, Market Wrap, LULU - Lululemon Athletica inc., WTV - WisdomTree U.S. Value Fund, SVOL - Simplify Volatility Premium ETF, Gold Prices Surge Amid Geopolitical Tensions in Syria, VITL ...
51m Dec 12, 2024
51m
Should Central Banks Target Financial Decisions?
U.S. financial markets are experiencing unprecedented overvaluation, and as market valuation becomes a target for investment behavior, it loses reliability as an economic health indicator. Today's Stocks & Topics: Stop Orders, Market Wrap, SPGI - S&P Global Inc., PLD - Prologis Inc., Should Central Banks Target Financial Decisions?, Inherited IR-A, RYAN - Ryan Specialty Holdings Inc., VSGX -...
50m Dec 11, 2024
50m
Property Tax Liens: A Niche Investment Opportunity
For those knowledgeable about real estate, property tax liens might offer a unique investment avenue. Today's Stocks & Topics: DVN - Devon Energy Corp., Market Wrap, Tariffs, Property Tax Liens: A Niche Investment Opportunity, SBLK - Star Bulk Carriers Corp., Taking Profits, PGR - Progressive Corp., Foreign Companies in China, AMD - Advanced Micro Devices Inc., OLED - Universal Display Corp....
46m Dec 10, 2024
46m
Biden's Tech Blockade: Semiconductor Showdown with China
The U.S. will impose an aggressive set of export controls targeting China's semiconductor industry. Today's Stocks & Topics: RING - iShares MSCI Global Gold Miners ETF, Market Wrap, FTNT - Fortinet Inc., Biden's Tech Blockade: Semiconductor Showdown with China, WMT - Walmart Inc., DVN - Devon Energy Corp., Europe’s Defense Budget, Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and...
50m Dec 07, 2024
50m
Should You Retire Abroad?
Data from the Social Security Administration shows that the number of American retirees choosing to live abroad has surged. Today's Stocks & Topics: AVAV - AeroVironment Inc., Market Wrap, UBER - Uber Technologies Inc., Should You Retire Abroad, 529-Plan, WMT - Walmart Inc., SLP - Simulations Plus Inc., LLY - Eli Lilly & Co., Trump’s Views on Too-Big-to-Fail for Your Bank Account, NVT - nVen...
48m Dec 06, 2024
48m
US Manufacturing Continues to Struggle with Tariff Uncertainty
Trade tensions have created an unpredictable environment, impacting production decisions and investment strategies. Today's Stocks & Topics: T - AT&T Inc., VZ - Verizon Communications Inc., Market Wrap, Small Caps, DIS - Walt Disney Co., CELH - Celsius Holdings Inc., US Manufacturing Continues to Struggle with Tariff Uncertainty, Bonds, RIVN - Rivian Automotive Inc. Cl A, Trade War, 403B Pla...
46m Dec 05, 2024
46m
How Home Equity Can Boost Your Earnings in 2025
U.S. homeowners are sitting on $330,000 in average equity which could be used to strategically leverage enhanced earning potential. Today's Stocks & Topics: GOOGL - Alphabet Inc. Cl A, Roth I-R-A Contributions, UPS - United Parcel Service Inc. Cl B, AEO - American Eagle Outfitters Inc., Market Wrap, How Home Equity Can Boost Your Earnings in 2025, ET - Energy Transfer LP, Transfer 401k and I...
49m Dec 04, 2024
49m
U.S. Economy Gives Thanks: Wall Street and Main Street Rejoice
With 2.8% GDP growth projected for Q3, and optimism surrounding potential economic policies, both investors and everyday Americans have reasons to celebrate this holiday season. Today's Stocks & Topics: NEM - Newmont Corp., Market Wrap, TEX - Terex Corp., FOXA - Fox Corp. Cl A, U.S. Economy Gives Thanks: Wall Street and Main Street Rejoice, Reversion to the Mean, The Consumer, CCJ - Cameco Cor...
50m Dec 03, 2024
50m
Best of Caller Questions - Steve Peasley
In this compilation program, Steve Peasley field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Asset Allocation and Market Valuation, Bond Exposure, Credit Card Debt, Where to Invest After 70, China's Economy, Bonds and Junk Bonds, Investment Variable Annuities, Closed-End Funds, Fundamental Analysis, Low Risk...
47m Nov 30, 2024
47m
Best of Caller Questions - Thanksgiving Edition
In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world. Today's Stocks & Topics: Starting a Roth I-R-A, How Long to Hold an Investment, Rollovers, Social Security Withdraw, Dividends, Covered Calls, Options Trading, Moving Averages, Investing Factors, Stock Split, REIT Space, 457...
48m Nov 29, 2024
48m
Over Half of U.S. Workers Plan to Rely on Social Security for Retirement
An alarming trend underscores the urgent need for individuals to rethink their retirement strategies and explore additional savings options. Today's Stocks & Topics: KLAC - KLA Corp., Market Wrap, BUD - Anheuser-Busch InBev S.A. ADR, Over Half of U.S. Workers Plan to Rely on Social Security for Retirement, ALSN - Allison Transmission Holdings Inc., TSLA - Tesla Inc., Roth I-R-A, China’s Stimul...
48m Nov 28, 2024
48m
Direct Indexing vs. ETFs: Which Investment Strategy Wins the Game?
One methodology offers personalized stock ownership and tax efficiency while the other provides simplicity and cost-effective diversification. Today's Stocks & Topics: KMI - Kinder Morgan Inc., Market Wrap, Money Market Funds, QCOM - Qualcomm Inc., Index Funds, WMT - Walmart Inc., NBIS - Nebius Group N.V. Cl A, CHPT - Charge Point Holdings Inc., BWA - BorgWarner Inc., Small Caps, PCRSX - Princ...
48m Nov 27, 2024
48m
How to Celebrate Thanksgiving Without Overspending
With prices for Thanksgiving expenses up by 19%, you'll want practical tips for celebrating affordably. Today's Stocks & Topics: APLE - Apple Hospitality REIT Inc., Market Wrap, XSVM - Invesco S&P Small Cap Value with Momentum ETF, How to Celebrate Thanksgiving Without Overspending, Dividend Reinvestment, LBRT - Liberty Energy Inc., Betting on Inflation, Trend Following, AMLP - Alerian MLP E...
46m Nov 26, 2024
46m
How Much Life Insurance Do You Need?
The amount of coverage you need depends on various factors, including your annual income, outstanding debts, future expenses, and your family's specific financial obligations. Today's Stocks & Topics: RIO - Rio Tinto PLC ADR, Market Wrap, EXLS - ExlService Holdings Inc., How Much Life Insurance Do You Need?, Key Benchmark Number: Treasury Yields, Gold, Silver, Oil and Gasoline, International...
47m Nov 23, 2024
47m
Why Millions of Americans Are Financially Unprepared
In the U.S., nearly 14% of retirees rely almost entirely on the average Social Security check of $1,920 per month. Today's Stocks & Topics: PLAY - Dave & Buster's Entertainment Inc., Market Wrap, HEI - Heico Corp., ETR - Entergy Corp., Why Millions of Americans Are Financially Unprepared, UNG - United States Natural Gas Fund L.P., CL - Colgate-Palmolive Co., Earnings Season, Quant Investing,...
47m Nov 22, 2024
47m
HSA Costs to Watch Out For!
When dealing with Health Savings Accounts (HSAs), it's important to avoid common pitfalls and consider factors that can help maximize savings. Today's Stocks & Topics: TGT - Target Corp., Market Wrap, CRH - CRH PLC, FMCC - Freddie Mac, ULTA - Ulta Beauty Inc., HSA Costs to Watch Out For!, SOLV - Solventum Corp., Vanguard, CE - Celanese Corp., XOP - SPDR S&P Oil & Gas Exploration & Production E...
47m Nov 21, 2024
47m
Are Incomes Finally Catching Up to Debt?
The debt-to-income ratio has declined slightly because average earnings have increased by 6.2% annually since the pandemic. Today's Stocks & Topics: PSQH - PSQ Holdings Inc. Cl A, Market Wrap, HIMX - Himax Technologies Inc. ADR, META - Meta Platforms Inc., QS – Quantum-Scape Corp. Cl A, MDT - Medtronic PLC, Are Incomes Finally Catching Up to Debt?, COPX - Global X Copper Miners ETF, The Trum...
48m Nov 20, 2024
48m
New RMD Rules for Retirees in 2024!
Retirees will be impacted by significant changes to Required Minimum Distributions (RMDs) in the SECURE 2.0 Act. Today's Stocks & Topics: KKR - KKR & Co. Inc., UBER - Uber Technologies Inc., Market Wrap, New RMD Rules for Retirees in 2024!, DELL - Dell Technologies Inc. Cl C, AAON - AAON Inc, URI - United Rentals Inc., Bitcoin, ALV - Autoliv Inc., TDG - TransDigm Group Inc. Advertising Inquir...
47m Nov 19, 2024
47m