Stress Check transcript: How TikTok modified the vibe of non-public finance recommendation

Stress Check transcript: How TikTok modified the vibe of non-public finance recommendation

You had your best-laid plans after which COVID-19 got here alongside and hammered the whole economic system. However you’ve received this – you probably have the proper info. Be a part of Rob Carrick and Roma Luciw on Stress Check, a podcast guiding you thru one of many greatest challenges your funds will ever face.

ROB: Discovering private finance recommendation was once fairly easy. Individuals would go to their banks, speak to monetary advisors or get ideas from the media – say, from their favorite newspaper columnist.

ROMA: However there’s a brand new place that’s way more well-liked with 20-somethings. Gen Z and millennials are getting some huge cash recommendation from TikTok, the social media platform identified for its viral dance movies.

ROB: Welcome to Stress Check, a private finance podcast for Millennials and Gen Z.

ROMA: I’m Roma Luciw, private finance editor at The Globe and Mail.

ROB: And I’m Rob Carrick, private finance columnist on the Globe.

ROB: In the present day we’re speaking TikTok. Private finance movies have greater than 5.8 BILLION views on the platform. Roma, what do you make of this development?

ROMA: Properly, younger persons are on TikTok. That’s the place they’re getting their information and leisure. So it is smart that that is the place they’re discovering their first monetary info. Most monetary recommendation on the market from conventional sources, it’s not created with 20 somethings in thoughts. It’s for wealthier, older folks. So it doesn’t at all times resonate with a youthful viewers that’s coping with their very own particular set of monetary points. Rob, the large factor in my thoughts is discussing the standard of the cash schooling and recommendation that’s on the market. There’s a huge distinction between getting private finance recommendation versus inventory buying and selling ideas. What do you consider that?

ROB: You recognize, the TikTok to me is like the entire remainder of the non-public finance universe. There’s folks on the market who it’s a pastime, they usually simply wish to unfold the great phrase. There’s folks on the market who’re getting sponsorship cash to advertise a financial institution product or an investing product. After which there’s folks on the market making an attempt to promote an investing system or a inventory choosing approach, they usually’re simply in it for the cash. It’s good to be a savvy shopper of this info. One of many issues that basically jumps out at me about TikTok is how younger persons are giving one another monetary recommendation. And it’s not form of the older expertise grizzled veterans speaking right down to the 20 Somethings.

ROMA: I imply, I feel it’s simply folks talking their language, proper? There are some actually good monetary TikTok-ers on the market which can be breaking down sophisticated subjects which can be related for his or her peer group. They’re delivering this info with out disgrace, with out intimidation, they’re constructing relationships with their followers, they’re answering questions. They’re accessible in ways in which monetary advisors aren’t.

ROMA: I feel we will’t additionally dismiss the aspect of enjoyable that’s in these movies, proper? I imply, they’re pleasant. They’re in an interactive, there’s at all times good music. Why is {that a} unhealthy factor? I feel you simply need to method it the identical manner you do anything with warning. And as a place to begin.

ROB: After the break, we’ll hear from a TikTok person about how he began getting private finance recommendation from this house.

ANTHONY: So my identify is Anthony. I’m 25 years outdated, and I’m from Mississauga, Ontario.

ROB: Anthony landed a advertising and marketing job after college, however he discovered himself with further time on his fingers when the pandemic started.

ANTHONY: Proper when the primary lockdown hit, that’s once I was like, everybody’s on TikTok, I’m doing nothing with my time proper now, I’ll simply see what’s what. And that’s the place it began. The primary few issues I used to be testing on TikTok, they have been primarily my very own like hobbies in addition to similar to, huge, like, very well-known philanthropists, who would usually similar to, speak about, you already know, numerous what lots of people my age who’re type of misplaced, proper. We’re type of in that center section again when the pandemic began. We have been like, you already know, we simply received out of college. We’re making an attempt to get our personal profession. And we’re making an attempt to determine it out. So lots of people my age, we’re type of misplaced, type of floating round unsure what to do.

ROB: A number of the creators he noticed on TikTok impressed him to make a giant profession change.

ANTHONY: One among them was like Gary Vee or Gary Vee,

@garyvee clip: Doing it for the cash is at all times a foul concept, particularly earlier than you’re 35. Please be sensible in your youth and battle to your dream in any respect prices.

ANTHONY: That was one which was very inspiring, he would speak about how like, he was broke till the late 30s. And the way like your 20s, or once you’re purported to, you already know, make these errors, take your shot, proper. And it’s what actually impressed me to maneuver ahead to begin my very own firm. Simply from my private expertise, I simply acknowledged that I’d somewhat strike alone, and if I make the errors, it could be on me. However it could be full accountability, all the things can be absolutely below my management. After which shifting ahead, I’d be capable to simply, you already know, be versatile my very own manner.

ROB: Quitting your job to begin an organization is a significant life resolution with huge private finance implications. However earlier than we get into that a part of Anthony’s story, let’s focus on how TikTok works. For individuals who don’t use it –  the app options brief movies. You’ll be able to comply with particular creators, however TikTok additionally makes use of an algorithm to determine what you would possibly like. It serves you curated movies based mostly in your pursuits. They present up on a “for you” web page. That’s the place Anthony will get most of his content material.

ANTHONY: And I actually appreciated TikTok for that motive, since you may discover the identical content material on YouTube. However the best way TikTok is designed, as a result of there’s a lot social media, that our consideration span is so brief, and we’re so lazy, that we simply scroll and discover that info somewhat than having to undergo typing on YouTube and stuff.

ROB: So the algorithm discovered Anthony wished to look at content material about entrepreneurs. Finally it began serving him private finance recommendation, too.

ANTHONY : Beginning your individual enterprise implies that you go from a full time job the place you may have a daily paycheck, and it goes to a small enterprise the place all the things’s on you, proper? If you wish to be lazy for every week, that implies that’s one week delayed the place you’re not getting a possible paycheck from a consumer. That’s, the way you stated earlier than, we now have to handle our private finance much more. And TikTok actually helped me with that. Like, for instance, I used to be saving 50% of my biweekly paycheck into my account. So I used to be residing off assuming I used to be residing on half of what I used to be incomes. And Tik Tok had type of validated what I used to be saying, I might watch it. Like TikTok had these examples on my For You web page saying like, hey, like if you wish to lower your expenses, your mid 20s listed here are some examples. You recognize, save up not less than 20% of your paycheck, put a portion of it, begin it in your TFSA and be sure you stack up a TFSA yearly to the max. And it type of compounds. Like in the event you began your TSFA once you’re 25, it could quantity to X quantity we retire at 65 versus how a lot much less it could be in the event you put it into the TFSA once you’re 35. Proper. So it simply type of truly received me began to open up the TFSA and, and actually try this search on you already know, what a TFSA is and what are ETFs and, and the right way to actually handle my revenue in order that my checking cash, my checking isn’t simply sitting there, it’s working for me.

ROB: The non-public finance recommendation has been key. However Anthony says an important factor he received from TikTok movies was the boldness to begin his personal digital advertising and marketing firm. Now that he has, Anthony additionally will get company recommendation from the app.

ANTHONY : One other factor that I noticed on TikTok that I truly actually resonated to me was, it’s type of a working joke with my present group, is how like company language, like company verbiage is like one other language by itself virtually. Like there’s numerous instances the place it is advisable to articulate your self in a really skilled method. And typically it’s laborious for individuals who have lacked that much less expertise to take action. And one of many issues that I did on my spare time was I might comply with a a lady who’s Loe Whaley, and that’s her identify.

@loewhaley clip: How do you professionally say cease interrupting me? Thanks to your enter Jeff, however please wait till I’m completed sharing my ideas earlier than you begin talking. Cease ignoring my interview requests. Your attendance is required for this dialogue…

ROB: Anthony makes use of TikTok as a leaping off level to begin analysis on subjects that catch his eye. Like something on social media, customers should be cautious and ensure the recommendation they’re getting is legit.

ANTHONY : I see like numerous TikTok content material creators might be like flaunting I’ve earned x million of {dollars} in like Dogecoin or one thing and I’d be like, okay, but when it’s that straightforward to do, there’s gonna be a catch, So it’s like trusting your intestine. Primary, if it feels too good to be true, 9 instances out of 10, it’s too good to be true. Though TikTok performs as a essential leaping off issue, it doesn’t play within the ultimate name that I make. Quite a lot of instances, like it could come to the very fact the place you get all just like the stimulus from TikTok and also you funnel it right down to the Okay, these are the 4 or 5 details that curiosity me. I’m going to now Google them by way of sources which can be extra conventional to authenticate or to elaborate on these concepts to see how they are often utilized to my particular circumstance.

ROB: Positive, he has to type by way of some unhealthy recommendation. However there’s a motive TikTok is interesting to Anthony and so many different Gen Zs and Millennials as a related place to go for recommendation.

ANTHONY : However the entire level of TikTok that I discovered, that truly made it take over as one among my extra used platforms as social media, is as a result of it’s really easy so that you can get a steady stimulus of recent content material, all you must do is swipe. One motion. In the event you’re bored of it, you hit a refresh and it simply refreshes from the algorithm, proper? Versus Instagram, they modify the algorithm the place you simply see like the primary few choose posts of the folks you comply with, after which it reveals you suggestions. However even then, it’s nonetheless too sluggish. Fb, it’s not unhealthy, but it surely’s primarily numerous articles and movies. And I feel that they caught on that Tik Tok was, you already know, capitalizing on folks’s brief consideration span. So that they began making like Instagram reels to type of, you already know, bounce off that TikTok type of platform, however I feel that’s the place they received us, for higher or for worse.

ROB: After the break, Roma speaks with a 27 yr outdated from Calgary, Alberta who has half 1,000,000 followers on TikTok.

ROMA: To study extra about how private finance content material is tailor-made for TikTok, I spoke with Ellyce Fulmore, aka @queerd.co. Ellyce, what do you do for work? What’s your full time job?

ELLYCE: Okay so this can be a query that I really feel like I at all times battle to reply concisely. However the best factor I’ve give you is I’m a monetary educator and content material creator. And that includes about 1,000,000 various things. However my full time job is type of falls below all of the issues that fall below that umbrella. So I’ve my very own monetary literacy enterprise referred to as Queered. Co. After which I additionally create content material on Tik Tok and Instagram. And yeah, in order that includes, like having shoppers, it includes doing a podcast, doing sponsored movies, and a bunch of different issues

ROMA: So that you studied kinesiology in college? How did you find yourself within the private finance house?

ELLYCE: It’s such a bizarre path as a result of I by no means thought I might find yourself in private finance, particularly coming from kinesiology as a result of I at all times envisioned myself doing extra of an energetic kind of job. However whereas I used to be in class, I began to appreciate that I didn’t wish to do physiotherapy, and it simply wasn’t match for me. And so I used to be actually misplaced on what I did wish to do. And I additionally was scuffling with my funds on the time. So I had about $15,000 of excessive curiosity debt. After which I had about 20 one thing thousand of pupil mortgage debt. And so I used to be type of carrying numerous guilt and disgrace round that debt, particularly coming from a household who didn’t speak about cash. And like the one factor I used to be ever instructed about cash was save all the things you’ll be able to and don’t go into debt. So I felt like I couldn’t come to my dad and mom actually with the data that I used to be struggling. And I had actually unhealthy experiences speaking to monetary advisors within the financial institution. So I felt actually alone and remoted. So I type of began out truly doing life teaching, which mixed slightly little bit of my kinesiology background and likewise with like, combining slightly little bit of that monetary info that I used to be studying and I used to be concentrating on those who have been in the identical type of state of affairs as me, simply uncertain of what they wish to do with their life. I began that in January of 2020. After which clearly, the pandemic hit all of us and I began speaking extra about cash and profession as a result of I used to be like folks want to listen to this proper now, as a result of persons are struggling proper now. Most shoppers that I used to be getting, have been in the identical type of spot that I used to be in the place that they had numerous pupil debt, they usually like work nonetheless weren’t positive what they type of wished to do for a profession. So there was slightly little bit of that. However it actually took off on TikTok. And that’s once I actually began speaking about it much more.

ROMA: What did you suppose or really feel was lacking from the monetary recommendation that was already on the market? And I don’t imply simply TikTok I imply, on the market on the whole.

ELLYCE: Yeah, so I actually felt like there was a niche within the Private Finance info that was on the market that didn’t handle the particular person, which may be very ironic. And my type of tagline is “hold finance private” for my enterprise. And I feel that basically encompasses it. I really feel like numerous the data on the market doesn’t take note of who every particular person particular person is and what their identification is, and the way that identification impacts their cash, how their identification will affect the best way that they make monetary choices, the best way that they grew, like grew as much as find out about cash, the best way that they perceive cash, all of these issues. And I feel that that’s much more essential than determining like a budgeting system or like, wanting on the numbers. And I feel that numerous the normal private finance recommendation actually views funds in a vacuum, like simply have a look at your cash and like regulate the numbers, and also you simply need to work more durable and make more cash and save extra and that type of factor. With out understanding that like funds are intertwined in principally each single facet of your life, and you’ll’t have a look at it in a vacuum, you must have a look at it as like who you might be as a complete particular person, and the way all of these issues have impacted, like the best way that you just spend your cash and your cash and choices that you just make and all of these issues. So I felt like that was actually lacking. And that’s type of the hole that I’ve been making an attempt to fill.

ROMA: So that you establish as queer, neurodivergent and feminist. I discover the neurodivergent aspect of your TikToks actually fascinating. How has the monetary expertise within the recommendation you present particular to somebody you already know, who has ADHD, for instance?

ELLYCE: First off, it’s essential to acknowledge that people who find themselves neurodivergent skilled issues otherwise. So clearly, my content material is just not going to attraction to everybody who’s neurodivergent. However I’ve ADHD myself. In order that’s type of what I targeted on. And there’s sure traits that lots of people who’ve ADHD have that may have an effect on the best way that you just handle your cash. So like impulsivity is a giant one with ADHD. So like impulse spending, and similar to, you already know, not taking time to suppose by way of monetary choices. One other one is like, your lack of dopamine. So feeling like under-stimulated, or typically overstimulated. That may trigger you want, in the event you’re feeling under-stimulated, you would possibly select to spend cash to get that dopamine hit and to, you already know, really feel higher about that. Forgetfulness is a giant one, too, like, folks with ADHD usually battle with, like forgetting to cancel subscriptions, forgetting to return objects that they should return, forgetting to pay payments, issues like that, which all affect your funds. And so, numerous the normal private finance schooling and programs which can be launched, like budgeting programs and issues like that, usually simply don’t work effectively for lots of people who’re neurodivergent as a result of our brains simply work otherwise. And clearly there’s some people who find themselves neurodivergent who love budgets, spreadsheets, however there’s additionally lots of people who don’t. I do know for me prefer it, I virtually have to gamify funds a bit prefer it must really feel like enjoyable for me or there must be reward there must be like some I’m form of factor as a result of I discover like the normal type of like monitoring programs to be simply so boring and I can’t do it.

ROMA: I like what you’re saying about making private finance, enjoyable and empowering as a result of there does appear to should be a reward on the finish. After which it is going to take away numerous the battle and the disgrace that comes with this concept of not being good together with your cash. Now you don’t have any formal coaching in monetary planning or something like that. So what’s the experience that you just really feel that you just deliver to the house?

ELLYCE: Yeah, so I’m truly engaged on my CERTIFIED FINANCIAL PLANNING certificates in the meanwhile. So I’m engaged on that. However I very very similar to I very a lot am conscious of like my scope of labor and you already know, what, what I can educate on and what I can’t. A part of the rationale why I’m engaged on a certification is in order that I can provide you already know, funding recommendation and issues like that, which proper now I don’t contact on in any respect simply due to, you already know, don’t wish to do something unlawful right here. And it’s out of my scope. However I actually really feel like I deliver a novel perspective as a result of I’ve not solely been by way of the state of affairs myself of like scuffling with my cash, being very in debt, however I additionally am queer, I’m neurodivergent, I’m a millennial and I’m talking about funds in a manner that meets different folks my age precisely the place they’re at. And I really feel numerous different Private Finance info doesn’t try this. Like nobody desires to take heed to Dave Ramsey, like nobody my age desires to take heed to him like we’re over it. And so I feel that that’s one thing distinctive that I deliver. I even have a background In working with folks with disabilities, that was my main and college. And so I’ve labored with numerous completely different folks from numerous completely different backgrounds with each like cognitive and bodily disabilities. And that’s actually taught me loads on how folks’s identification impacts their life. And likewise just like the significance of determining programs that be just right for you, versus making an attempt to love, pressure folks to comply with a system that’s like, quote, unquote, regular.

ROMA: Inform us a couple of particular video of yours that went viral.

ELLYCE: Properly, I’ll do my first one. As a result of I feel that’s, that’s a simple one to speak about. So basically, it was, I used to be simply lip synching to the track Humble by Kendrick Lamar. And I used to be speaking in regards to the state of affairs the place I used to be at in the beginning, like my monetary state of affairs, after which I type of I stated since then, after which I began naming all of the issues I’ve been capable of do since I used to be in that spot. And that included like paying off X quantity of {dollars} of debt, saving up an emergency fund, like shifting to the sixth most costly metropolis in Canada. That was once I lived in Kelowna. And similar to, you already know, naming these issues, and that video went viral. It was my first viral video. It was terrifying, and thrilling on the identical time. I went from, like, I had simply over 1000 followers when that video went viral. After which I feel I had like 75,000 followers, like in two days or one thing like that. It was loopy. Yeah. In order that one, I feel, simply resonated loads with folks as a result of so many individuals may relate to the type of earlier than that I used to be displaying within the video. And like, Oh, that’s my state of affairs proper now. After which me type of displaying, it was type of extra of a, I assume, an inspirational video of displaying the issues that I’ve been capable of do. And other people have been like, I need that too.

ROMA: You additionally use different social media like Instagram, you’ve talked about that to share private finance content material, what makes TikTok completely different as a platform, each on the subject of the way you create content material and the way folks work together with it.

ELLYCE: So I feel there’s numerous distinctive issues about TikTok, I feel one of many greatest issues is that it’s very simply digestible, like quick consumable info that isn’t essentially on Instagram. I imply, now they’ve Instagram reels, which is clearly making an attempt to compete, however like I stated earlier than, it actually meets the particular person the place they’re at. And so whether or not like, relying on what their For You web page is like in the event that they like watching like dancing movies, they usually’re gonna get like me dancing and speaking about cash or in the event that they like extra instructional movies than they may get my like, sit down movies. Just like the For You web page actually may be very sensible. It can type issues actually shortly and it permits me to succeed in an viewers that was not essentially looking for out monetary info, however then discovered it on Tik Tok. And it’s like, oh, I wish to find out about this, like that is actually useful. That is like humorous, that is entertaining. And that wasn’t essentially the case on Instagram as a result of the algorithm doesn’t work the identical. And so somebody must go and search like private finance, which they may not be looking out. So I feel that that’s one thing actually distinctive about Tik Tok is it’s allowed me to succeed in manner broader viewers and attain those who weren’t essentially searching for this. However as soon as they discovered it, they have been like, oh, I need this. It is also, yeah, like I stated, like entertaining. And so it’s like a enjoyable place to be on like, I like Tik Tok. It’s my favourite platform. I like creating content material on there, I discover it simply actually enjoyable. It permits me to be actually artistic and what I’m doing and it’s a cool, like, I don’t know, it’s a really cool like group and atmosphere on there. It feels extra like an in depth knit group I really feel like then Instagram does. So I actually like that. And I like that it’s much less curated. And I feel that numerous like Gen Zs and Millennials additionally actually resonate with that it’s simply extra like folks displaying up you already know precisely how they’re like, I’ll come on a regular basis wanting like I do now with like, the hair on high of my head, no make-up like, sick voice like I’ll simply be on Tik Tok and other people will nonetheless love the content material. Whereas like Instagram, I really feel like folks like extra curated content material, and so you must put extra like effort into the way you search for a video and issues like that.

ROMA: Why do you suppose younger adults are prepared to belief their friends on TikTok somewhat than depend on conventional sources like financial institution or funding advisors or mainstream media for his or her monetary info?

ELLYCE: I feel there’s a few components. I feel that listening to folks which can be your age, they grew up with the identical issues. They usually’ve had the identical expertise with like, the price of housing and schooling and all of that, so it’s extra relatable. After which one other factor I might say is that numerous monetary advisors and banks, I do know so many individuals who’ve had not nice experiences, and I’m a type of, like I had very misogynistic advisors in banks which have simply stated horrible issues to me. Additionally, I feel that Millennials and Gen Zs which can be making monetary content material are simply breaking issues down much more and delivering it in a manner that is smart. And I feel that numerous the older era, possibly hasn’t bridged that.

ROMA: It’s a giant duty for somebody with a large platform the best way you do to offer the correct of monetary recommendation. How do you just be sure you try this?

ELLYCE: So like I stated, I’m very conscious of just like the scope that I’ve, and that what I’m certified to show in and never so I’m very cautious to not give any funding recommendation. So I’m actually cautious to love keep inside info that’s not going to hurt somebody in the long term. I actually simply make it possible for, I’m educated on the subject that I’m speaking about, and that I’m not similar to guessing on info or, you already know, giving info that I simply heard another person say or one thing like that. I feel it’s actually essential in within the finance house to be actually diligent in just like the work that I’m doing. And I can even say like, I do suppose that a number of the duty is on the buyer as effectively to do their analysis on like, who they’re getting info from. And I feel I actually view myself as like a leaping off level, like, I’m telling you about these items and serving to you find out about it. After which you’ll be able to go and do your individual analysis. If you wish to study extra about it. Clearly, like a 15 second video is just not going to let you know all the things it is advisable to know. And so I feel that that’s additionally essential as like the buyer to you already know, take all the things with type of like a grain of salt or like, you already know, know who you’re listening to, after which be sure you’re nonetheless doing your individual analysis, particularly on the subject of issues like making investments or, you already know, getting a mortgage or issues that would actually affect your your long run monetary future.

ROMA: Now, some folks, a few of them doubtlessly older of us could be skeptical about cash recommendation discovered on social media. What would you say to them?

ELLYCE: I might say that, if cash recommendation on social media is what’s getting the youthful era enthusiastic about cash and fascinated with cash, that that’s factor. And that, you already know, something, any type of info that’s going to problem somebody to take a look at their cash and to make completely different monetary choices, I feel is a optimistic factor. Clearly, there’s like good and unhealthy with all the things. I do know, there’s not nice monetary info that’s on the market. And there’s folks which can be, you already know, simply saying like go purchase this inventory, go purchase this, go purchase this, go purchase this crypto and you already know, folks similar to blindly following it. Once more, I feel it comes right down to the buyer slightly bit as effectively of like ensuring you’re consuming info from a dependable particular person. However you already know, for the older era, I feel that it’s a type of content material that’s getting us enthusiastic about cash. And the older era’s type of content material like books or magazines or like weblog posts simply aren’t working for us. So I feel that I perceive a number of the skepticism. However I additionally suppose that it’s it’s solely a optimistic factor that extra persons are speaking about cash after which it’s turning into extra normalized and that the youthful era can be enthusiastic about it.

ROMA: There’s no query that younger adults are excited in regards to the private finance movies they’re seeing on TikTok. However there are nonetheless dangers of unhealthy recommendation. Rob, what are some crimson flags that TikTok customers can use to keep away from that?

ROB: Properly, to me, the perfect TikTok movies are those from people who find themselves simply making an attempt to share fundamental, sensible, wise recommendation. They’ve had this realization that the perfect factor to do is to save lots of laborious and curb your spending and eliminate debt they usually’re making an attempt to unfold the great phrase. That’s the place the worth is. I fear extra about folks making an attempt to promote their experience, promote a product, promote a system. That’s the place you’ve received to watch out.

ROMA: And that brings us to our three takeaways. One, there’s each good and unhealthy private finance recommendation on TikTok, however these movies are a place to begin. So it’s as much as you to comply with up by doing your individual analysis. Two, method investing movies pushing particular shares or cryptocurrencies as get wealthy fast schemes with the utmost warning. In the event you get scammed or lose cash, you’ll have no recourse for getting your a reimbursement. Three, if TikTok will get you pondering and speaking about how greatest to handle your cash, that’s factor. And in the event you snort or dance alongside the best way, even higher.

ROB: Thanks for listening to Stress Check. This present was produced by Kyle Fulton, Emily Jackson and Zahra Khozema. Our government producer is Kiran Rana. Thanks to Anthony and Ellyce for becoming a member of us this week.

ROMA: You could find Stress Check wherever you take heed to podcasts. In the event you appreciated this episode, please share it with a good friend and go away us a five-star ranking.

ROMA: Subsequent up on Stress Check – Mortgage 101. You’ve received questions on mortgages, and we’ve received solutions. We’ll stroll by way of the fundamentals of the place to get a mortgage, what phrases are most essential and the right way to give your self the perfect shot at approval. And naturally, with rising rates of interest, we’ll speak variable versus fastened charges and what meaning to your checking account.

ROB: Till then, discover us on the Globe and Mail dot com. Thanks for listening.

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