4 'Deep Risks' That Could Decimate Your Portfolio | William Bernstein

[@jeromesand]

My wife is already panicking, so many questions! will the rate cut lead to inflation? I'm very worried about my $1million stock portfolio losing value. Do i move to 100% cash? What strategies should I be employing in my portfolio right now?

[@richardhudson1243]

This is the what people that handle their portfolio themselves go through. I will advice you get yourself some professional advisor to help you redistribute assets in your portfolio.

[@Aaronduckstein49]

I've been through the 'bonds are beating stocks' periods since the 90s with no bonds and with all aggressive stock mutual funds. At 66, my IRA and cash accounts are far more than I expected for my retirement. I can easily handle a worst-case 80% stock crash, Thanks to my advisor.

[@morgansofia]

I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@Aaronduckstein49]

My CFA Annette Marie Holt , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@EmilyMoore-n7n]

I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@ivar766]

The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on the govt. This is still a good time to invest in Gold, silver, Especially digital currencies (BTC, ETH...

[@WelseyWalker]

How does this trading stuff work? I'm really interested but I just don't know how it go about it. I heard people really make it huge trading.

[@KamranKhalil-br6dk]

Get yourself someone like Stacey Macken who understands the market very well and is also a professional in placing trades. That's the key .

[@tryleraaron9244]

I am surprised that this name is being mentioned here, I stumbled upon some of her clients testimonies on CNBC news last week.

[@adamalker71]

What impresses me most about Stacey Macken is how well she explains basic concept of winning before actually letting you use her trade signals. This goes a long way to ensure winning trades.

[@BulentKizilaslan]

Her technical analysis is excellent and hid interpretation/projections of the market is so accurate I sometimes ask myself if she is human haha. Point is, Stacey is the perfect trader to follow for advise and daily signals.

[@RickWatson-xu6gw]

Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market for the rest of the year

[@benitabussell5053]

I'd avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.

[@ScottStraw]

This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far

[@RobbStonee]

I could really use the expertise of this advsors

[@ScottStraw]

Her name is ‘Marissa Lynn Babula’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Tipping-Point88]

I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her.

[@Infodawg2012]

Keaton is so on point about the problem with the 'lesser of two evil' mentality. I really appreciate both Keaton and Russell's intellectual and emotional honesty and also the thoughtfulness and intelligence of their comments. Well done guys, I never miss your videos.

[@valdoryn2709]

This dude has been living under a rock for the past 3 years

[@caseyrace8952]

David, great channel my friend! Hope all is well and your weekend great, God bless.

[@deineintube]

Another very intelligent gent (among many) with real experience but can't see exponential change happening in front of his eyes EVEN THOUGH he appreciates the role of technology. Still a good listen.

[@sonyjoseph5426]

Also his biases against china as an economist. is discriminatory, borderline racist .. who says of china : " why would anyone want to live in china ?"" why has china not become more democratic , as it has gotten wealthier ?".. to the Chinese who has elevated 100M out of poverty within one generation with an economy of $18T , 2nd only to the USA .. not sure what the Chinese version of the expression " if it ain't broke , don't fix it "

[@ricklepick5829]

@@sonyjoseph5426Uyghurs in western china may disagree with your pro china sentiment. Feeding people at the cost of an authoritarian regime is not something we aspire to over here.

[@freshaquatics3652]

@@ricklepick5829and Palestinians (among many others) would disagree with US… It’s not an argument about whose morals are better or worse; it’s a point about what was achieved in a generation (in spite of every effort by US to slow it down).

[@ricklepick5829]

@@freshaquatics3652 I would also agree lol

[@hahamasala]

He is great but I agree that he is underestimating the impact of AI.

[@mutantryeff]

Crypto is bagholder investing

[@bobbya51]

Investing or rank speculation ? Kinda like the bigger fool theory .

[@connorferguson2269]

Crypto just follows the broad market, nothing to get to hype over.

[@mutantryeff]

@@connorferguson2269 If you don't know the founders of a business, would you invest in it? Hidden Agenda? CIA?

[@brianwashere7966]

This bubble needs to be popped and sanity needs to return. The sins of QE need to be atoned for. Raise interest rates 300 basis points and hold it until all the free money has been washed from the system and the government is forced into austerity.

[@psxtuneservice]

No, there shouldnt be an unelected Fed dictator who decide. There must be a way without the Fed.

[@Alloytribe86]

NEVER going to happen

[@Ted0302]

Excellent, David. Bring on more Guests, such as the Doctor here... Less Stock/Sector 'pumpers' would be welcomed. Thanks. -Ted

[@MrMatisse22]

I watched this twice at one sitting. Dr Bernstein is not only a wealth of information, but eloquent as well. Intelligent questions, illuminating answers. I'm tempted to buy his books.

[@jvz28az]

Gold is a great hedge against hyperinflation…

[@scottmagee7511]

We can assume William is up to date on all his covid boosters.

[@cjb8993]

Likely not, he's still vertical.

[@georgeholloway3981]

What is wrong with you people?!

[@cjb8993]

@@georgeholloway3981 nothing, no myocarditis either 🤣

[@Bob-nw5rx]

​@@cjb8993Don't forget the blood clots!

[@cjb8993]

@@Bob-nw5rx or neuropathy, turbo cancers, palseys, shingles, sepsis, and wait for it, now you'll hear about all the "mysterious death" caused by pneumonias this winter and yes, sepsis will take down a huge swath of the population that got the sauce.

[@ruster719]

I have read all of William’s books, they are core reading for anyone managing their own portfolio.

[@defunctuserchannel]

He's in the Woke bubble. Greater than nuclear risk: 1. authoritarianism / tyranny 2. intentional pandemic 3. bioengineering disasters of some sort 4. surveillance state

[@user-im6fy4qp6m]

hes a jew trying to destroy the country what do you expect

[@elephantmoney]

That's the conspiracy bubble

[@hahamasala]

​@@elephantmoneyYes and he's probably a Trumpster who supports a candidate who wants to be a dictator and end elections in the US!

[@richardlarock2809]

Was listening until he said that global warming risks were considerable. If he thinks that... well everything else he says is highly suspect. Gladly signing off David... no like for you😂 16:57

[@eikoGoldstein]

Me too.

[@Chuck68ify]

That's becoming a trigger for me too. The Climate Hoax is a power/money play to control Energy and Food. If Science is important, I assume corrupt Science is bad.

[@johnjones-bv5df]

I agree. Like most gurus he is excellent at history but has zero ability to advise on what the future will bring. On that subject everyone in the entire world is on equal footing.

[@BubbaShaffer]

I agree!!

[@alfred1535]

Yeah very true He also mentioned it's risky if you take your Capital to go to another country sounds exactly like one of them COMMIES

[@tyraelhermosa]

Good interview David. I like what he said about empathic people sucking at investing because they pick up on the panic of others during crashes and don't have the balls/fortitude/emotional detachment and logic-oriented action to buy the dips, and on the other side of the coin: they fomo in when everyone is saying "it's gonna moon!!!" Good observation.

[@Kristofur77]

Good day!

[@borisdodgingbullets]

I’m American. I have lived abroad for 18 years. All of my assets are abroad. That includes real estate and equities. Annual reporting is onerous. Otherwise, it’s not a big deal!

[@yawzerdoink-a-sore-as]

15:08 David please stop asking people who know nothing about crypto what they think about crypto. You don’t hack the hard drive. The crypto is not on the hard drive, it is on the blockchain. If you successfully hack the blockchain you automatically create a hard-fork, so basically a new network. That is what happened to BCH LTC and others. Please ask knowledgeable people about crypto, or just avoid the question altogether. It makes both parties look bad, the guest and you

[@Alloytribe86]

Who is bth and ltc

[@_Ekaros]

If you hack the hard drive. Or whatever device. You get the keys, keys control the crypto. Blockchain is just record of actions done by those who control the keys.

[@bobbya51]

Knowledgable people like Sam -Bankman-Fried for instance ? Oh ,I forgot S-B-Fried is heading to a federal prison partly on a crypto pump and dump conviction . Thanks , I'll pass .

[@matsutendai]

If governments have “hacked” BTC then our financial system itself is hacked. It uses the same underlying tech. Dude doesn’t know his arse from his elbow. Plus he think J6 was real

[@yawzerdoink-a-sore-as]

@@Alloytribe86Bitcoin Cash (BCH) and LiteCoin (LTC)

[@FeelingPeculiar]

Sunday video let's go!!!

[@nyktal]

Great episode, very knowledgeable and intelligent talk, also David's hair, amazing 👍

[@daves2520]

The Bible tells us, "Blessed is the nation whose God is the Lord". The underlying reason for Europe's advancement and prosperity was its embracement of Christianity.

[@Paul-v2h]

Great Guest. Thank You Both!

[@ikust007]

11:29 finally someone says it

[@graceamsterdam5404]

Thank you gentlemen. Interesting point that you briefly touched (why bright innovative persons should come to the US). Indeed it is for many reasons, but the one reason that is easily overlooked is that the US has a húge ‘home market’. (My view: when you have big business dreams, don’t stay in a small country). As an acquaintance once mentioned to me: when you have an excellent product on which you make only 10 cents… but you can sell it in the Chinese market, just once, you can become a multi millionaire with just one simple ‘idea’.

[@heyjavey]

15:55 the North Koreans could never hack into the Bitcoin blockchain, nor could anybody, it is protected by 574M Eh/s of compute and the number of combinations to guess a 24-word seed phrase would exceed the number of atoms in the known universe.

[@yawzerdoink-a-sore-as]

Don’t waste your time…. You can’t teach a pig to fly, so don’t do it bec it bothers the pig 😂

[@JohnJames-Manifest]

Extremely interesting conversation

[@HamzaDaoui]

This is just cool content! Thank you 🙏

[@PercyTP5161]

Not a good store of value.....have you put the BTC USD chart on log over 15 years. Now plot it against M2, now do the same for Gold......all assets have unstable prices now, it's not the asset, it's the fiat system around them. Such a lazy comment I hear from so many people on KZbin.

[@yingkleung1907]

The number of major financial scams unveiled involving Bitcoin in recent years has been frightening. Caveat Emptor.

[@hahamasala]

True. I disagree with him on crypto and his glossing over AI but he makes a lot of great points. Gold and silver are also quite volatile.

[@yingkleung1907]

Taxation is the most deceitful form of confiscation, that's why goevernments legalise it.

[@romoore2094]

There's hyper inflation NOW

[@rapgamestevejobs]

9:30 mark - Alex Jones actually predicted 9/11 in great detail and he was also warning about a lab leak pandemic. The guy obviously has challenges but hard to ignore those calls, especially in an industry where ppl who make calls are revered.

[@JoeEvermore]

Loved living in China for three years.

[@ScottRuark-q8x]

Sounds like his advice would be to put your energy into building a f***ing time machine

[@A812380]

I have bought and read all of Bernstein's books and writings beginning sometime in the 1990's. He taught me a lot about risk and how to think about it. I used his book the "Birth of Plenty" in an undergraduate business literacy course at a reputable private university. It gives me no satisfaction to write that I found this interview completely vapid, full of holes, divorced from reality of our current situation. It is like he hasn't kept up with what he wrote 20 years ago and applied it to today. He talks about civil war as if it is all about extremists on both sides while failing to mention that public trust in the rule of law and institutions is at its lowest ebb in our history. He lives in a state, Oregon, where its 13 most have eastern counties voted, by pretty good margins, to leave Oregon to become part of Idaho. Our divide between blue and red states may be somewhat cultural but it is primarily economic and regulatory focused. Fortune 500 companies don't leave a state because of cultural differences. No mention that we have greater economic inequality than the turn of the 20th century caused by fiscal excess and low interest rates which benefited the private corporations most. His short statement on Gold based on a ten year old study was insulting. China has good property rights? Over the past decades the people of China have been allowed to invest in banks which paid little interest and real estate which is in the middle of blowing up. We call that financial repression but don't worry, America's debt crisis will soon introduce us to that concept good and hard. Dr. Bernstein reminds me of an Archbishop or Aristo in 1779 France. David, I am sorry, I know you have to treat each interviewee with respect but the lack of any push back on things i know you know make me think some of your interviews are a waste of my time.

[@MaddieBr]

He mentions a tax on excess IRA distributions in the 1960s. IRAs were created by a law in 1974. Of course, there may have been some confiscatory taxes, particularly before the Kennedy tax reforms, and that can happen in the future, maybe even by executive order.

[@jobbingactor]

The primary danger at the moment is me throwing this phone at wall because of the constant F adverts

[@Thomas-wz2nu]

Anger management?

[@jobbingactor]

@@Thomas-wz2nu If I could afford that Id buy YT premium instead.

[@bobbya51]

@@Thomas-wz2nu 🤭

[@georgeholloway3981]

I find it incredible that he worries more about nuclear exchange than climate change.

[@wendy8755]

It is the protestors at DNC that we should worry about not the pro trump

[@AndrewAnkomah]

I have been in the market since 2023, I have a total of 157 thousand USD, with my 12 thousand invested in Bitcoin ETFs and other dividend yields I am very grateful for all the knowledge and information that you have provided me.

[@Daviddouglas-ge5qk]

How did you do this please? I am new to investing in cryptocurrencies, can you please guide me on how to do this?

[@AndrewAnkomah]

It is advisable to seek professional guidance when creating a solid financial portfolio due to its complexity.

[@AndrewAnkomah]

Alandra Kate is a very legitimate and competent woman, her method works like magic, I continue to win with her strategies.

[@DavidSan-h4p]

I'm a little perplexed to see her mentioned here too, I didn't know she was also good with so many people, this is wonderful, I'm on my fifth negotiation with her and it's been great.

[@michaelpatron3476]

Her teachings are so financially educational that I learned a lot from her and I am grateful for her professional guidance.

[@scepisle4970]

Guy's pretty ignorant about how Bitcoin works... lol 😂

[@disneytakeshugedix7463]

Currency 💵 bubbles 🫧 implosion ! Look 👀 at the Japanese 🇯🇵 Yen 💴, the first G7 currency 💵 to collapse ! Sigh 😮‍💨

[@zsoltszopko9817]

These Bitcoin people are delusional!

[@FeelingPeculiar]

Spank it

[@bobbya51]

🎯👌

[@rof8200]

Decentralized bookkeeping is highly valuable in a low trust world

[@Thomas-wz2nu]

Some interesting insights from a self-declared liberal. But perhaps overly confident in the “rule of law” as opposed to what we increasingly witness- the rule of judges and politicised “justice”.

[@Robert-e2h9z]

I like those chairs this dude has in his den . Hubba Hubba😊😊

[@timbosscher1600]

Some see advancement through technology. I see Gresham's Law.

[@firehorse1966]

Keynesian economics only holds water when monetary value is relatively stable. In the age of significant monetary debasement in and of itself in order to keep a debt based system from imploding from it's own unproductive debt growth, arcane concepts espoused in this video are inherently flawed.

[@elephantmoney]

I don't think your guests would appreciate you doing ads while you are talking to them.

[@tman5883]

Lost me with global warming

[@morisless3532]

More financial pundits are finally acknowledging the economic impacts of global warming. We are a culture that is slow to change.

[@modelmark]

Property rights largely culturally determined? North south korea, east west germany? Different cultures?

[@ampiciline]

once he said bitcoin is NOT a store of value I stopped watching it...... what is he smoking ?

[@taylorx2]

BTC is essentially a long only M2 stock.. m2 # goes up (which with QE it does, and it is coming back).. BTC should continue up.. a lot of people hate on BTC cuz they feel like they missed the boat

[@ikust007]

16:27 bravo.

[@rof8200]

William Bernstein, volatility is an anachronism. Also William Bernstein, cryptos are too volatile 😂

[@armondlevinia9221]

He left neuropsychology to be a long term economic forecaster? I guess neuropsychology just isn't paying well these days. Who knew?

[@mattcampos2032]

That's why I manage my own brokerage account and have stop losses set even ony shares if the markets tank sells for you problem solved lol

[@DaveHawthorne-lk9mz]

Can you say NO BID? Bye bye USD.

[@MrAwesomeRage]

"what needs to be done to accelerate rate of change and growth of prosperity?" -"technological advance and productivity" says the old man, but just a moment before he claimed AI to be just hype basically..

[@bobbya51]

The same kind of hype that underlies crypto speculation ?

[@MrAwesomeRage]

@bobbya51, i guess he sees it like that but in my mind AI research is the holy grail of technological advance and productivity. It will change many sectors completely, make abdundance, create jobs and make some jobs disappear. Just imagine.

[@mikekorn6968]

Disagree at 21:00 I'm a empath in life but when it comes to investing I'm VERY UNemotional about it. Im not a heard mentality investor exact opposite. How I make money

[@sonyjoseph5426]

All things being equal , he talks about the south/ N.Korea and rule of law / property rights -- yet fail to take into account , N Korea's nukes pointing at Seoul & fear it instills in South Korea

[@ScottRuark-q8x]

Would a thermonuclear war really be that bad? It would destroy centers of government and large cities-definitely there would be a readjustment period but I believe we would be fine

[@thunderbird3694]

Benjamin Franklin: "All the Property that is necessary to a Man, for the Conservation of the Individual and the Propagation of the Species, is his natural Right, which none can justly deprive him of: But all Property superfluous to such purposes is the Property of the Publick, who, by their Laws, have created it, and who may therefore by other Laws dispose of it, whenever the Welfare of the Publick shall demand such Disposition. He that does not like civil Society on these Terms, let him retire and live among Savages. He can have no right to the benefits of Society"

[@Stonkings]

😂 “crypto in a hard drive.” I love how people are willing to advise on topics they know nothing about.

[@digitalisman]

not the sharpest tool in the shed

[@modelmark]

Cost of education increases? You can learn almost anything for free from the internet

[@bethgreenberet1734]

Why hasn’t North Korea hacked Satoshi’s wallet containing 1 million bitcoin? BECAUSE THEY CANT. Get with the program old man..

[@anonymousAJ]

Incredible He realizes confiscation is poison but wants it anyway

[@user-im6fy4qp6m]

hes a jew what do you expect. he wants it for you, he knows how to weasel out of the confiscations

[@NickyTesla]

9:34 Alex Jones

[@BourgeoisBazer]

why are so many old men seeing risk everywhere?

[@ikust007]

37:39 oh. Impressed . Do not agree at all with him. And yes internet has change everything.

[@hkrainman]

The ultimate storage of wealth are antique gold coins

[@ikust007]

8:28 as usual: no one ever say to WHOM we owe and to whom those same people owe money. Mafia? Extraterrestrial beings ?

[@superstar5123]

that's the thing. the citizens owe the government. the government creates debt that the citizens pay with taxes. you are not a part of the US government, you are another taxpayer. the problem is the country isn't making positive cash flow, and no politician will get elected on the basis of raising taxes or cutting entitlements and spending. So, the government creates more debt in the hope that one day the citizens will generate more money to pay taxes and monetize the debt. The issue is, it isn't working. The national debt rises and people are less productive economically. the taxpayers owe the government. the government has the ability to indent the citizens

[@ikust007]

@@superstar5123 but to whom do we/they owe if they all owe between them (the countries)…? Banks are not a satisfying answer ;)?

[@dustinmetz8202]

Bobby Axelrod predicted 9/11...😉

[@tonyb7275]

Its so many flys n shit in here again already, whenever your done flipping yourself out can you make sure all the whirlwind of shit they doing that no ants shit is out drinks n shit

[@BrainGraze]

Great conversation with William Bernstein. 👍

[@dukevera4216]

He’s thinks someone can hack into a blockchain? Bro, at least push back on that total false statement 😂😂😂

[@321kevo]

he writes books 😂😂😂

[@SofaKing411]

They get religion 😂

[@FatherGapon-gw6yo]

Good stuff except the Boomerisms about democracy meaning rights lol.

[@hyunglee8125]

You need to start fasting

[@bobbya51]

🤣

[@XpackLersV]

"government's can hack into Bitcoin's Blockchain" lmao Just say you have zero clue what you're talking about instead of proclaiming this nonetheless😂

[@phil4277]

Disappointing he feels the need to add leftist talking points.

[@ricklepick5829]

I don’t understand crypto but…… here’s a bunch of uninformed unbacked unfounded trash statements about it hahaha

[@patrick_McD]

Not having enough BTC is the deepest risk one can have

[@bobbya51]

Tell that to Warren Buffett . He will appreciate your prescient insight .

[@patrick_McD]

@@bobbya51it’s a deep risk for people who aren’t dinosaurs

[@davidesquivel9664]

Holy crap this audio sucks. Man this show isn’t worth watching anymore. This is clearly a fear mongering podcast. No real productive conversation. You are constantly talking about the past and not current events. Literally a broken record with just about every guest.

[@SamanthaArkline-y5x]

This guest is kind of a nut. I bet he votes Kamala Has he ever had a real job?

[@michaeleichenberg8618]

I am sorry, but this guy is a tool. He has no clue. He lives in Portland, that says everything about his guy.

[@cloudiermonk]

This guy really dosent understand the basics of crypto... which is odd for someone so paranoid. Lol

[@ikust007]

8:28 could we all finally stop talking about the Debt. It’s an absolute scarecrow. To whom do we owe ? How could they (show are they also) force anything ? There will be printing and most certainly cdbc.

[@OctavioPaz-n4n]

Are you aware that we need to service that debt? For the first time ever, our debt service exceeded military spending. Eventually it will matter if it doesn’t right now. Since the world’s reserve currency is the dollar, the USA is the only country that can print money. That privilege is what’s at stake. Soon Americans will have to get off their fat 🍑’s and start working.

[@ikust007]

@@OctavioPaz-n4n don’t worry . Sadly it will be a much harder wake up call.

[@superstar5123]

the citizen us taxpayers owe the government. the government creates debt that the taxpayers are on the hook for. why do you think the government takes taxes? free money? to fund the gov and their debt, which they take on our (citizens) liability

[@bobbya51]

And once CBDC is enacted , your inherent sovereign rights as an individual go up in flames . Enjoy your servitude .

[@ScottRuark-q8x]

Isn’t global warming gonna be good for some countries and bad for others-nobody wants to talk about that

[@tyraelhermosa]

Good for some in what sense? Just curious.

[@ScottRuark-q8x]

@@tyraelhermosa agricultural production-a slightly longer growing season would be a boon to high latitude countries. Also those countries would benefit from warmer winters. If we thought about it long enough I believe the benefits of a world that is warmer by 3 degrees Celsius would outweigh loss of coastal land due to sea level rise. My main point being we have to adapt to whatever happens because we don’t even know for sure what decarbonization will do to the environment, predictive models aren’t that great. Also remember the rest of the world is trying to attain our carbon footprint, as we decommission coal plants India china and the developing world economies are electrifying their economies the cheapest way possible(COAL),And I think everyone in the world deserves reliable electricity.

[@tyraelhermosa]

Perhaps. I happen to live in one of those higher latitude countries. You raise interesting points. One problem with warmer winters is you don't get as much snow in the mountains, which leads to less restocking of the glacial supply that feeds all the rivers and lakes across the countries. That leads to less precipitation in the summer, which agricultural production requires.... Kind of a double-edged sword. Also, with coastal regions getting flooded, that means some very, very high-population cities have to be evacuated. That means all those people have to move somewhere... the higher elevation areas, and perhaps different countries, leading to more immigration issues. Definitely agree with you about energy: everyone needs it. Oil, gas, nuclear, whatever is needed. Coal is pretty dirty, but if there's no other option, you've gotta do what gotta do. Can't let people live in the past without energy. Cheers :)

[@martinhaluska5224]

Jesus, another bro-fesor. Just theoretical bla, bla, bla cut off from real world. Show me your portfolio of investments. How you are doing. Talk is cheap.

[@EricBlair2084]

gimmicky editing weak

[@Pazzi-y3k]

This Dude obviously doesn’t own Bitcoin

[@Dodger1999]

Smart Dude

[@bobbya51]

On or own ? Big difference .

[@Pazzi-y3k]

@@bobbya51 own