Welp, here we are again folks, starting yet another month. Where on earth has the time gone? Four full months now of the pandemic and it seems like not much has changed. One thing that I know hasn’t changed is the amount of questions coming in from you guys. So let’s get to it!

If there’s ever a time to disconnect and take a breath, this is it. With all the non-stop zoom videos and conference calls, it’s very easy to feel overwhelmed and worn out.

Digital minimalists are all around us. They're the calm, happy people who can hold long conversations without furtive glances at their phones. They can get lost in a good book, a woodworking project, or a leisurely morning run.

They can have fun with friends and family without the obsessive urge to document the experience. They stay informed about the news of the day, but don't feel overwhelmed by it. They don't experience "fear of missing out" because they already know which activities provide them meaning and satisfaction.

Man oh man, that is music to my ears! That’s why I’m so excited about our latest guest, Cal Newport, with us to talk about his latest book, Digital Minimalism: Choosing a Focused Life in a Noisy World.

Now, Newport gives us a name for this quiet movement, and makes a persuasive case for its urgency in our tech-saturated world. Common sense tips, like turning off notifications, or occasional rituals like observing a digital sabbath, don't go far enough in helping us take back control of our technological lives, and attempts to unplug completely are complicated by the demands of family, friends and work.

What we need instead is a thoughtful method to decide what tools to use, for what purposes, and under what conditions.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Here we go, the last weekend of July! Hard to believe, right? The real life version of Groundhog Day, and that theme continues with us answering more of your questions.

We all fall into at least one of four personality categories: We’re either Upholders, Questioners, Obligers or Rebels, according to our guest Gretchen Rubin. Her latest book, The Four Tendencies: The Indispensable Personality Profiles That Reveal How to Make Your Life Better, was an instant bestseller.

Rubin says that understanding which category defines you, can transform what you do at home, at work, and in life by helping you make better decisions, meet deadlines, suffer less stress, and engage more effectively. [FYI, I’m an Upholder, as is Mark, which may explain why we work so well together!]

If you’re having trouble figuring out which tendency best describes you, fear not, as Gretchen has developed a very easy quiz for you to take. It takes no more than ten minutes and more than a million people have already completed it! You can take the quiz here.

Knowing who you are may be able to make you happier, healthier, more productive and even more creative. After all, it’s far easier to succeed, when you know what works for you and those who surround you.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Mid-July looks a lot like mid-March, meaning the emails continue to pile up. Though I have to say, we have made a sizable dent, so maybe by Labor Day we’ll be back on track?? Scratch that, highly unlikely after I take some time off in August and won’t be answering any emails for a while :) Everything will pile right back up!

“I’m just bad with money!” I know that many have convinced themselves that they were born with a recessive money management gene, but financial planning can be learned, like anything else. That's the message of This Is the Year I Put My Financial Life in Order. In a book that is part financial memoir and part research-based guide to attaining lifelong security, New York Times reporter John Schwartz bares his financial soul.

Schwartz and his wife, Jeanne, are upper middle class earners, who have been on a financial rollercoaster. Sharing his own alternately harrowing and hilarious stories, from his brush with financial ruin and bankruptcy in his thirties to his short-lived budgeted diet of cafeteria food, John will walk you through his own journey to financial literacy, which he admittedly started a bit late.

He covers everything from investments to retirement and insurance to wills (at fifty-eight, he didn't have one!), medical directives and more. Whether you're a college grad wanting to start out on the right foot or you're approaching retirement age and still wondering what a 401(K) is, this book will help you find your financial way.

So if you are like the countless others who are a bit tentative when it comes to money matters, but are willing to learn before it's too late, this book should help improve your financial literacy.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

The second half of 2020 has to be better than the first half, right? One can only hope.

So far the email inbox looks a lot like what we saw back in March. In other words, there’s no end in sight to the coronavirus related money questions.

So here we go…

Two guests this week in hour two.

What is life without inspiration?  To me it sounds a bit boring. Of course inspiration can come from anywhere, but because we spend the bulk of our on the job, it is a natural setting to seek it out. Conversely, if you’re the boss, don’t you want to be seen as somebody who inspires?

It’s easier said than done, but thanks to our first guest, executive coach Kristi Hedges, there are everyday actions that any leader can take to be an inspiring and motivating force.

In her latest book, The Inspiration Code: How the Best Leaders Energize People Every Day, Kristi shows how to become a leader who builds commitment and fosters greatness in others.

Next up is Pat Hedley, author of the recent book, Meet 100 People: A How-To Guide to the Career and Life Edge Everyone's Missing, who says that whether you’re an introvert or extrovert, meeting and engaging with people is probably the biggest key to any success you’re going to have.

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

And that’s a wrap on what was by far the most bizarre first half of a year that I’ve ever experienced. And unless you’re way up there in age, and were around in 1940, I’m guessing the same applies to you!

In keeping with the Groundhog Day pattern, we’re beginning the second half the same way we ended the first half, answering your coronavirus related money questions.

Happy Independence Day weekend!

Yes, we're officially in the summer months, and for millions of Americans, thanks to the coronavirus, the early summer weeks will include preparing and paying taxes.

Because of the pandemic’s timing and impact, the IRS delayed the tax-filing and payment deadlines from April 15th to July 15th. The agency also moved back Q2 quarterly estimates, which would have been due on June 15th, to July 15th.

To help us break down all the ins and outs of this "new" tax season, we're joined in hour two by Ed Slott, the ultimate tax guru and founder of IRA Help.

If you’ve been impacted by the pandemic, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Yep, the last weekend in June, and not much has changed, at least not in Jill on Money land. So here we go, another show answering your coronavirus money related questions.

Nearly 1.5 million Americans filed for unemployment last week, the 14th week in a row that the figure has topped one million. And yes, the rollercoaster on Wall Street is just as bumpy as it was a few months ago.

To help try and demystify the current state of the economy, we're joined in hour two by Mark Spindel, one of my oldest friends in the world and the Managing Member, Chief Executive Officer and Chief Investment Officer for Potomac River Capital.

Mark, who along with Sarah Binder, recently published: The Myth of Independence: How Congress Governs the Federal Reserve. If you're looking for a deep dive on the Fed, this is the book for you.

If you’ve been impacted by the pandemic, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

It’s hard to believe we’re already heading into the end of June, which means we’ve been doing these coronavirus shows for basically three months or so. And the emails continue to come flying in, so we’ll keep on doing them :)

With such a tumultuous first half of the year on Wall Street, we thought it was a good time to use hour two to check in with Michael Goodman, president of Wealthstream Advisors in New York City. We cover a variety of topics, including possible opportunities that arise when markets are bouncing all over the place.

If you’ve been impacted by the pandemic, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Despite what’s going on around the country as various states start to reopen, or the recent surge on Wall Street, the emails continue to come flying in. So we’ll keep doing what we’ve been doing, which is answering your coronavirus money related questions for the first hour.

Given all the headlines regarding racial inequality and injustice, we’re rerunning an interview we did back in 2017 with Cathy O’Neil, author of the New York Times bestselling book, Weapons of Math Destruction: How Big Data Increases Inequality and Threatens Democracy.

It’s such a fascinating read about how big data can be manipulated, infiltrate various parts of our lives and magnify the underlying inequality that exists in our economy.

From how teachers are measured to how policing strategies are developed to credit scores and health insurance, it’s going to blow your mind when you hear how algorithms (mathematical models), dictate so much of our day-to-day experiences.

But what happens when these models are opaque, unregulated and incontestable? Unfortunately, the already unlucky and struggling among us, get the short end of the stick.

What can individuals do about these unproven mathematical equations? As you’ll hear Cathy explain, it starts by asking some basic questions.

If you’ve been impacted by the pandemic, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Just like the last weekend of May, the first weekend of June brings you another show where we spend the first hour answering various coronavirus related money questions that continue to flood the inbox.

In hour two we bring you an interview we did back in 2017 with Jason Zweig. Maybe you don't know the name, but chances are you know his work. The “Intelligent Investor” column that you read every Saturday in the Wall Street Journal…yep, that’s his awesome work.

The interview covers the power of index funds, the importance of having rules in your financial life, the beauty of passive investing and the importance of technology and humans working together. 

If you like Jason’s column, you should also check out his books. His most recent one, The Devil’s Financial Dictionary, skewers the plutocrats and bureaucrats who gave us exploding mortgages, freakish risks, and banks that are too big to fail. It also distills the complexities, absurdities, and pomposities of Wall Street into plain truths and aphorisms anyone can understand.

If you’ve been impacted by the pandemic, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

The last weekend of May brings you another show where we spend the first hour answering various coronavirus related money questions that continue to flood the inbox.

The coronavirus pandemic has ushered in a new normal for many employees now working from home. Others have lost their jobs as the national unemployment rate has soared to its highest level since the Great Depression.

LinkedIn editor-in-chief Dan Roth joins us in hour two to discuss the future of work and offers advice to college graduates in these uncertain times.

If you’ve been impacted by the pandemic, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Happy Memorial Day weekend! Certainly one to remember as it has quite the different feel this year. Here’s another show where we spend the first hour answering all the various coronavirus related money questions that continue to flood the inbox.

In hour two we’re first joined by Kathy Kraninger, Director of the Consumer Financial Protection Bureau, as she outlines what’s being done to help individuals and businesses navigate this period of uncertainty.

If you are facing financial difficulties as a result of the coronavirus pandemic, the CFPB has plenty of up-to-date information and resources to help you protect and manage your finances during this difficult time.

Next up in hour two is Elizabeth Rutledge, Chief Marketing Officer at American Express. Elizabeth joined us to talk about Stand for Small, a coalition of more than 40 companies across media, technology, consumer goods, professional services, and many other industries, that have come together to provide meaningful support to small businesses as they navigate the impacts of Covid-19.

If you’ve been impacted by the pandemic, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

The deluge of emails continues, so it’s yet another show where we spend the first hour answering your coronavirus related money questions.

How many of you Googled something this week? Or use index funds in your financial lives?

I’m going to guess that's all of you. I’m also going to guess that you probably didn’t realize that those three things are among the 50 inventions that shaped the modern economy.

That’s according to the list compiled by BBC and Financial Times journalist Tim Harford, our guest this week in hour two and author of the new book, Fifty Inventions That Shaped the Modern Economy.

The book paints a picture of change by telling fascinating and compelling stories of the tools, people, and ideas that had far-reaching consequences for the global economy. From the plough to air conditioning, from Gillette’s disposable razor to IKEA’s Billy bookcase, Tim is able to recount each invention’s own curious, surprising, and memorable journey.

If you’ve been impacted by the pandemic, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

The emails continue to flood the inbox, so it’s another show where we spend the first hour answering your coronavirus related money questions.

In hour two, the effort of bringing something entertaining to the table continues as we re-air a 2017 interview we did with Diana Henriques, author of the bestselling book, The Wizard of Lies: Bernie Madoff and the Death of Trust.

If you’re looking for something to watch as we continue to deal with the pandemic, this is it!

Diana had incredible access, including the first interview with an imprisoned Madoff. I was fortunate enough to interview her in 2011, just as the book was becoming a bestseller. I remember thinking at the time that the tale of Bernie Madoff was not just a financial story, but a Shakespearean tragedy.

Robert De Niro was so drawn to the character of Bernie Madoff as Henriques depicted him, that he bought the film rights to “The Wizard of Lies.” Six years later, HBO films released the movie version of “The Wizard of Lies” – it’s now available on demand.

If you’ve yet to see “The Wizard of Lies,” go watch it. It’s incredibly well done and stars Robert De Niro as Bernie Madoff and Michelle Pfeiffer as Ruth Madoff.  

If you’ve been impacted, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Indeed, it's another show where we spend the first hour answering your coronavirus related money questions. As we’ve been saying, it’ll be like this until the emails slow down.

In hour two, the effort of bringing something positive to the table continues as we re-air an interview we did in 2018 with Ken Langone, co-founder of The Home Depot.

Ken dropped by for an in-studio to talk about his new book, I Love Capitalism!: An American Story, but really it was just a fascinating conversation with a guy who grew up in a working-class family on Long Island, put himself through school, and after some hard work and smart decisions and a few guardian angels, became one of the most successful businessmen in the country.

Ken Langone has seen it all on his way to a net worth beyond his wildest dreams, now in excess of $3 billion dollars.

In a series of captivating stories, Langone shows how he struggled in academics, broke into Wall Street, and scrambled for an MBA at night while competing with privileged competitors by day. He also shares how he learned to evaluate the value of a business and apply his street smarts to negotiate enormous deals.

And what happened when Langone was approached by Bernie Madoff for an investment, just weeks before the Ponzi scheme came to light? You’ll have to tune in for that story.

If you’ve been impacted, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Yes, it’s another show dedicated to answering your coronavirus related money questions. As previously mentioned, it’ll be like this until the emails slow down, which does not appear to be happening anytime soon.

In hour two, in an effort to bring something positive to the table, we’re re-airing an interview we did back in 2017 with retired Admiral William “Bill” McRaven. 

If Bill’s name sounds familiar, it is likely because he was the leader that presided over the 2011 Navy SEAL raid, which resulted in the killing of Osama bin Laden in Pakistan. Bill was the man who identified the body when it was flown back to Afghanistan and told President Obama that the U.S. finally had their guy.

A few years later in 2014, the four-star admiral and 37-year Navy SEAL veteran delivered the commencement speech at his alma mater, the University of Texas at Austin (Hook ‘em Horns!). Little did McRaven know that his address, which spoke to how students could overcome challenges and change themselves, would become a viral hit with nearly 25 million views online.

In January, 2015 Bill became the Chancellor of the entire University of Texas system and was encouraged to expand his commencement speech into a book, Make Your Bed: Little Things That Can Change Your Life...And Maybe the World.

If you’ve been impacted, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Yes indeed, another show dedicated to answering your coronavirus related money questions. As we said, it’ll be like this until the emails slow down, which does not appear to be happening anytime soon.

If you’ve been impacted, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Yes indeed, it’s another show dedicated to answering your coronavirus related money questions. It’ll be like this until the emails slow down, which does not appear to be happening anytime soon.

If you’ve been impacted, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Coronavirus NYT Small Business Program Q&A

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Another week, another show dedicated to answering your coronavirus related money questions.

If you’ve been impacted, here’s a bunch of helpful links:

Pandemic Lifeline Resources

NYT F.A.Q. on Coronavirus Bill

Prioritizing Bills Tool

Coronavirus State Unemployment Benefits Filing Info

Coronavirus Mortgage Relief

Coronavirus Student Loan Information

Coronavirus Guide for Small Businesses

Have a money question? Email me here.

"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.

Are you listening to this episode on the website? If so, hopefully you're seeing the new layout...it's slowly rolling out and will hopefully be complete by the time you're reading this.  

If you haven't checked it out, please do! It's so much cleaner and easier to navigate.  

Okay, on to the show.  We started hour one with Ari from NYC, a physician who has done a great job of saving for retirement but is a little concerned about his asset allocation.  Next up was Dianne in Portland who was wondering if she and her husband need to consult with a financial advisor.  Two great calls to start the show.  

This week is another example of how the radio and podcasting world really is like a small fraternity/sorority where hosts often appear on each other’s shows.

Today it’s Felix Salmon, host of the Slate Money podcast, joining us. If you’re not familiar with Felix, I think the best way to describe him is as a contrarian and/or curmudgeon…something he happily admits!

I’m a big Felix fan and have been reading (he did stints at Reuters, Portfolio Magazine and Euromoney) and listening to him for quite some time so I had a list of topics to cover, including:

• Corporate responsibility
• Active versus passive investing
• His ongoing relationship with Anthony Scaramucci
• The student loan crisis
• What’s next for the US economy

In addition to hosting Slate Money, Felix is currently the editor of Cause and Effect. 

If you want some good laughs and top notch commentary, follow Felix on Twitter.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

Ask some Wall Street veterans where they were on October 19, 1987 and they will likely regale you with details of any crisis. My life changed that day in ways that often creep up on me. Indeed, Black Monday was the single worst day in Wall Street history, with the Dow Jones Industrial Average plunging by more than 22 percent in one session--that’s the equivalent of the blue chip index diving by more than 5,000 points today.

It was a “First Class Catastrophe”, according to our first class guest and storyteller supreme, Diana Henriques, who dropped by the studio to help us retrace the events that led up to that day.

Diana joined us on the podcast earlier this year when her book, The Wizard of Lies: Bernie Madoff and the Death of Trust, was made into an HBO movie. This time around Diana is joining us to discuss her latest book, A First-Class Catastrophe: The Road to Black Monday, the Worst Day in Wall Street History. As Diana recounts, Black Monday was more than seven years in the making and threatened nearly every U.S. financial institution.

There were missed opportunities, market delusions, and destructive actions that stretched from the “silver crisis” of 1980 to turf battles in Washington and a rivalry between the New York Stock Exchange and the Chicago Mercantile Exchange.

Here’s the crazy thing...you’d think that after Black Monday, lessons would be learned. But in her analysis, Henriques demonstrates how that Monday in the fall of 1987 was the predicate to the financial crisis of 2008. Sadly, investors, regulators, and bankers failed to heed the lessons of 1987, even as the same patterns resurfaced.

This was a fascinating interview for me because I lived through this period. I had just started my career on Wall Street, as the chaos was unfolding. I watched firsthand as my father nearly lost his business. This chat was like going down memory lane and it’ll give you guys a good glimpse of the life I used to live before I started hosting podcasts and radio shows!

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.