Logo
    Search

    Overcoming Your Bad Financial Decisions

    en-usNovember 09, 2023

    Podcast Summary

    • Overcoming Fear in Financial DecisionsDon't let fear prevent financial progress. Seek expert advice and secure necessary insurance to mitigate risks.

      Fear should not prevent individuals from making financial progress and securing their assets. During a conversation on the Ramsey Show, Rachel Cruz shared her experience with her parents' concerns about paying off a mortgage due to potential lawsuits. The hosts emphasized the importance of having insurance, such as homeowners and umbrella policies, to protect against such risks. Rachel also highlighted the importance of not letting fear dictate financial decisions and encouraged listeners to seek expert advice when needed. The discussion underscores the importance of being informed and taking calculated risks while striving for financial growth.

    • Navigating complex financial decisions despite opposing advice from loved onesTrust your financial goals and make informed decisions, even when going against loved ones' advice. Understand potential risks and long-term consequences of different financial options.

      Navigating complex financial decisions, especially when they go against the advice of loved ones, can be a challenging experience. Stacy and her partner were considering getting an umbrella insurance policy despite their parents' objections. The tension of going against their parents' wishes brought up feelings of unease, but ultimately, they had to trust their own decisions and financial goals. Meanwhile, Donna from New York was considering taking out a Home Equity Line of Credit (HELOC) to deal with her debt and fund home improvements. However, the Ramsey team strongly advised against it due to the high interest rates and potential for deeper debt. Instead, they suggested focusing on paying off her existing debt and avoiding taking on new debt. Both situations highlight the importance of making informed financial decisions and trusting oneself, even when faced with relational tension or opposing advice. Additionally, it's crucial to understand the potential risks and long-term consequences of different financial options.

    Recent Episodes from The Ramsey Show

    Control the Controllables (Don’t Wait for Washington To Save You)

    Control the Controllables (Don’t Wait for Washington To Save You)
    💵 Start your free budget today. Download the EveryDollar app! Jade Warshaw & Dr. John Delony answer your questions and discuss: "My credit card debit is ruining my family," Jade & John's takeaways from the presidential debate, "How do I teach my kids healthy money habits?" "Should I cash out my whole-life policy?" "I feel stuck and don't know how to invest," "How do I get my wife on board to pay off debt?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Yrefy: Call 844-2-RAMSEY or go to Yrefy.com/Ramsey Christian Healthcare Ministries: Find out more at CHMinistries.org/budget Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💼 For business and leadership insight, listen to The EntreLeadership Podcast. 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 28, 2024

    Impose Your Will on Your Money With a Budget!

    Impose Your Will on Your Money With a Budget!
    💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Rachel Cruze answer your questions and discuss: "How do I move forward after getting fired?" "When is the right time to buy a house?" "I make $100K and live paycheck-to-paycheck," Who is responsible for paying Parent PLUS loans: students or parents? Dave responds to Rachel and Ken's advice about selling Taylor Swift tickets (his answer may surprise you) Support Our Sponsors: Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: betterhelp.com/Delony to get 10% off your first month   Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Next Steps 🏠 Free Tools & Resources to Reach Your Home Goals 🏘️ Find a Trusted Real Estate Agent 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💼 To start using the EntreLeadership System to grow your small business, download our FREE Getting Started Guide today. 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 27, 2024

    Want To Learn To Build Wealth? Start Here

    Want To Learn To Build Wealth? Start Here
    💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Ken Coleman answer your questions and discuss: "How do I get my husband to talk about money?" "I have nothing in retirement, what do I do?" "How do I get my mother-in-law to move out?" "What's the right way to ask for a pay raise?" "How do I find a healthy work/life balance?" Dave & Ken interview millionaires to find out how they built their wealth Support Our Sponsors: Churchill Mortgage: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 For help with investing, get connected with a SmartVestor Pro.  ☂️ Get the right insurance without breaking the bank. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 26, 2024

    No One Accidentally Wanders Into the Land of Success

    No One Accidentally Wanders Into the Land of Success
    💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & George Kamel answer your questions and discuss: "How do I stop my mom from taking my grandma's money?" Why no one accidentally wanders into success, "I'm jealous of my friends who don't have student loans," Dave weighs in on a previous call that George & Jade took, "Is the American Dream still possible?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  NetSuite: Free KPI checklist, visit netsuite.com/Ramsey BetterHelp: betterhelp.com/Delony to get 10% off your first month Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☂️ Get the right insurance without breaking the bank. 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 25, 2024

    If You Want To Be Successful, Follow This Proven Plan

    If You Want To Be Successful, Follow This Proven Plan
    💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm trapped in a bad lease," When you should and shouldn't use your 401(k), Why you need to choose your friend carefully, "How can I force the sale of an inherited house?" "How do I stay motivated to pay off debt?" "Does the Bible allow for earning interest?" Support Our Sponsors: BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month   Health Trust Financial Churchill Mortgage: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☂️ Get the right insurance without breaking the bank. 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 24, 2024

    Get a Healthy Level of Disgust With Your Bad Money Habits

    Get a Healthy Level of Disgust With Your Bad Money Habits
    💵 Start your free budget today. Download the EveryDollar app! Jade Warshaw & George Kamel answer your questions and discuss: "I was scammed after taking out a HELOC and lost $150k," This common mistake could cost you millions of dollars, "How can I fix my past mistakes in my marriage?" "My employer is underpaying me," "Can I use a personal loan to pay off a credit card?" "An ex-employee is still driving my company car" Support Our Sponsors: Churchill Mortgage: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  Health Trust Financial BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 For help with investing, get connected with a SmartVestor Pro.  🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 21, 2024

    Build Wealth by Doing What Rich People Actually Do

    Build Wealth by Doing What Rich People Actually Do
    💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Ken Coleman answer your questions and discuss: "Is it ever okay to spend $50k on a trip?" "My dad wants me to pay for his life insurance..." "Should we buy a house if we're going to move in 4 years?" "We disagree about paying off our cars," "We make $400K but can't pay extra on debt," "I co-own a house with my girlfriend's parents..." "My employer wants me to stop my side hustle" Support Our Sponsors: Zander: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Health Trust Financial BetterHelp: betterhelp.com/Delony to get 10% off your first month Next Steps 🏠 Selling Your House? Check out one of our Ramsey Trusted Real Estate Agents 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🎟️ Reserve your seat for Summit 2025 today! 🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 20, 2024

    All About Family Money Drama!

    All About Family Money Drama!
    💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Rachel Cruze answer your questions and discuss: "I did a bad deal with my parents and now I'm not getting paid," "Is it possible to build wealth while renting?" Why you don't need to build your credit score if you don't plan on borrowing money, "I'm tired of paying so much in taxes..." "My husband gambled away our HELOC," "My wife is a compulsive shopper" "What can I do to stop overdrafting my account?" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  📚 Teach Kids About Money!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 19, 2024

    Don’t Be Another Statistic in the Debt Disaster

    Don’t Be Another Statistic in the Debt Disaster
    💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Dr. John Delony answer your questions and discuss: "How can I operate my business without debt?" "Can we move to get out of my wife's toxic job situation?" The best way to "lower" credit card debt, Insurance vs. investments, "Everyone seems to be winning except me," Dave's message to congress Support Our Sponsors: NetSuite Zander Insurance Christian Healthcare Ministries Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📖 Your summer reading list is here. Don’t miss these (cool) summer reads! Beat the heat with bestselling books that will make 2024 your best summer yet.  🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 18, 2024

    Wealth Is a Slow Game, Don’t Rush the Process

    Wealth Is a Slow Game, Don’t Rush the Process
    💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & George Kamel answer your questions and discuss: "Should we combine finances in our unique situation?" "My girlfriend will lose her pension if we get married..." "My rent is more than my income, what can I do?" "When will the overbidding on houses end?" "Should I stay at my job until they close?" "Does it make sense to pay off my mortgage?" Support Our Sponsors: Zander Insurance BetterHelp Yrefy Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📚 Teach Kids About Money!  🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy
    The Ramsey Show
    en-usJune 17, 2024

    Related Episodes

    The Conformity Hazard - Episode 001 - Part 1 - 12 Steps To Leaving Your Comfort Zone Behind Forever - Steps 1-6

    The Conformity Hazard - Episode 001 - Part 1 - 12 Steps To Leaving Your Comfort Zone Behind Forever - Steps 1-6

    In this episode, we delve into the first six of the twelve steps to break free from your comfort zone and start living the life you truly desire. We explore the concept of the comfort zone, discussing how it can become a trap that hinders personal growth and success. The comfort zone is an insulated environment where we feel safe and unchallenged, but it also prevents us from experiencing new opportunities and stifles our imagination. As we shrink our comfort zone, we may find ourselves making excuses and justifying our lack of action, affecting our quality of life.

    To escape the comfort zone, we need to create an escape map that includes clear goals and a vision of a better life. By starting with the end goals in mind and working backward, we can set milestones and stay on track even when distractions arise. Embracing discomfort is another essential step, as it opens up a world of adventure and personal growth. Overcoming fear and leaving our comfort zone leads to increased focus, the discovery of new opportunities, and the possibility of forming meaningful connections with others.

    Thinking bigger is crucial to breaking free from the limitations of our comfort zone. By dreaming and aiming higher, we ignite motivation and push ourselves beyond what we thought possible. Changing our habits is also necessary for personal transformation. We must evaluate and discard old habits that no longer serve us, replacing them with new ones that contribute to our growth, health, and well-being. It takes conscious effort and consistency to implement new habits, and the power of words plays a significant role in shaping our mindset and behavior.

    Finally, we discuss the importance of reinventing ourselves throughout our journey. As we pursue our dreams, we are transformed by the experiences and growth we encounter along the way. We become wiser, more disciplined, and more aligned with our authentic selves. It is not about faking it; it's about becoming the best version of ourselves. Living life as an adventure is the mindset we adopt, embracing the risks and challenges that come with pursuing our dreams. We explore the notion that life is either a daring adventure or nothing at all, urging listeners to take the path of growth and seize every opportunity for personal and professional fulfillment.

    Join us on this inspiring episode as we explore the first six steps to escape your comfort zone and embark on a life filled with adventure, growth, and success.

    ©2023 Pemrose Media, Ltd./I Thrive Here

    Ep. 104: Make Your Dreams Real with Sam Gerstein

    Ep. 104: Make Your Dreams Real with Sam Gerstein

    "If the currency of the nation was happiness, what would you do for your job" - Anonymous

     

    Mind and body or mind-body? Some people don't see the connection but more and more people are starting to recognize that there are consequences to perceiving the two as separate. Today's guest is a medical practitioner who has witnessed through his practice and his family life that stress and matters of the mind play a dominant role in the overall health of the physical body. Health is vitality, an inner calm, a feeling of love that emanates from the inside, and these are things that are beyond the scope of modern medicine and its instruments. Our guest has devoted his life to sharing his findings so that he can help people open their minds to happiness and true, sustainable health.

     

    Dr. Sam Gerstein is a medical physician, and psychotherapist with over 30 years of experience helping people with physical and mental challenges. He has examined over 65,000 patients over 25 years as an emergency room physician. Upon realizing the relationship between happiness and health and recognizing that the medical industry was not yet capable of healing people on that level, he decided to interview hundreds of successful entrepreneurs and write a book to help others discover the power of their minds. Live Your Dreams: Doctor's Orders features 40 stories of entrepreneurs living their dreams at work and how they overcame their fears and self-limiting beliefs.

    You can find Dr. Gerstein's book here.

    Jumping Out Fear's Windows Into the Unknown... DO THE WORK - Day 55

    Jumping Out Fear's Windows Into the Unknown... DO THE WORK - Day 55

    #55

    DO THE WORK PODCAST:

    A dailyish show focusing on the reality of being a dad, running multiple businesses and all of the organization, productivity, and lifehacking that is in place to make it all work.  The show will make you cry, laugh, like me, and hate me, but most importantly it will remind you to remember what is truly important in your life.

    Follow Me:

    Instagram: @DiegoFooter: http://bit.ly/2B3vprJ

    YouTube: Diego Footer: http://bit.ly/SubtoDiego

    Podcast: DO THE WORK: https://apple.co/2ERsLHZ

     

    Produced by podcaster, entrepreneur, and dad of three daughters - Diego Footer.

    Passion Always Outweighs Obstacles

    Passion Always Outweighs Obstacles

    Season 1, Episode 16

    Theresa Dedmon 

    Theresa Dedmon, Overseer of Creative Arts for Bethel Church, shares her journey of becoming a forerunner who releases the creative arts back to the global church.

    • From more than 17 years of empowering the body of Christ to step into their creative destiny, Theresa shares the importance of knowing and holding fast to your calling to stay focused on your outcome without the fear of failure.
    • You’ll discover why you should never limit what you know by your past.
    • You’ll receive permission to explore.
    • At 20:00 minutes, Theresa shares 4 Truth Nuggets to help you launch your creative destiny.
    • Be sure to listen to the end to receive her Apostolic Blessings for you!

    Visit Theresa’s website for resources to empower and release creativity in your life and that of your church at www.theresadedmon.com

    Feel free to leave comments or subscribe to receive weekly show releases at my website: www.claudiaklann.com

    Overcoming Fear and Creating a Life of Fulfillment: Wealth Strategist Justin Maxwell’s Journey

    Overcoming Fear and Creating a Life of Fulfillment: Wealth Strategist Justin Maxwell’s Journey

    Join tax and wealth strategist Justin Maxwell as he shares his journey from playing it safe to finding passion and fulfillment through entrepreneurship. Discover how Justin overcame his fear of failure to help small business owners keep more of their money and make intentional investment decisions. If you want to save money and make your money work for you, all while adding more value to your community, then this episode is perfect for you.


    In this episode, you will be able to:

    • Uncover unique wealth-building approaches tailored for small enterprise owners
    • Be motivated and inspired to triumph over the dread of failure and become an unwavering entrepreneur
    • Obtain little-known tax and investment insights towards your financial journey


    Get to know Justin Maxwell, a skilled tax and wealth strategist, who focuses on helping small business owners retain and grow their profits while making conscious decisions about their investments. After years of successfully saving entrepreneurs millions of dollars in taxes and unnecessary expenses, Justin has become a trusted advisor to many business owners around the country. Join us as he discusses his journey of overcoming the fear of failure in entrepreneurship. With Justin's unique perspective on tackling this common fear, listeners will gain valuable advice on facing their own anxieties to reach their full potential in both their personal and professional lives.


    “You have to create a creative, abundant type mindset of problem-solving. Even if you're a logical person like myself, you can still be creative with your problem-solving. And I think that's needed as an entrepreneur.”


    “You have a lifetime to live life and achieve everything you're doing. So you can put your business on pause for a day and go spend time with your family and you're going to be just fine because there's not an end goal. It's your life you're living and you don't have to measure yourself from other people's success.”


    “So the money is not important, but you still need money to experience life, to have the finances, to have powerful relationships, to have good health, to even typically, oftentimes to have a good relationship with whatever faith you're involved in. If that's not solved, all those things typically suffer.”



    Books and Resources

    Book Yourself Solid: The Fastest, Easiest, and Most Reliable System for Getting More Clients Than You Can Handle Even if You Hate Marketing and Selling



    Connect with Justin Maxwell:

    WEBSITE: https://www.biglifefinancial.com/

    LINKEDIN: https://www.linkedin.com/in/justinmaxwelltaxspecialist/



    Haven Financial:

    https://www.myfinancialhaven.com/jamiebateman/



    ATTENTION:

    Unlock the secrets to a transformative life with “From Adversity to Abundance: Inspiring stories of Mental, Physical and Financial Transformation”. Buy your copy now and embark on a journey from challenges to triumphs!

    AMAZON: https://www.amazon.com/dp/B0CGTWJY1D?ref_=pe_3052080_397514860



    Connect with us

    WEBSITE: https://www.adversity2abundance.com

    Leave us a rating or review: https://www.adversity2abundance.com/reviews/new/ or here

    Got comments, feedback or suggestions? We’d love to hear it! https://www.adversity2abundance.com/contact/

     

     

    Follow From Adversity to Abundance Podcast

    FACEBOOK: https://www.facebook.com/profile.php?id=100089126144055

    INSTAGRAM: https://www.instagram.com/adversitytoabundancepodcast/

    LINKEDIN: https://www.linkedin.com/company/89949391/admin/feed/posts/

    YOUTUBE: https://www.youtube.com/@FromAdversity2AbundancePodcast

     


    Connect with Jamie

    BOOK: From Adversity to Abundance: Inspiring Stories of Mental, Physical, and Financial Transformation

    LINKEDIN: https://www.linkedin.com/in/jamie-bateman-5359a811/

    TWITTER: https://twitter.com/batemanjames