Diving Deeper into Social Security

Episode Transcript

Speaker 1 (00:00):
You can learn more about Class Financial on the website
class financial dot com. That's Coloss Klaas Financial dot Com.
Telephon number for the office right here in Madison six
oh eight four four two five six three seven. No
charge for that initial it could get to know you
appointment det Loss Financial. It will be complimentary to you
again their number six oh eight four four two five

(00:20):
six three seven. And joining us this morning from Class
Financial are Eric Schwartz and Kyle Kite. Eric, how you
doing this week?

Speaker 2 (00:28):
I am doing great? John? How about yourself?

Speaker 1 (00:29):
It's fantastic. You gets go first this morning too, which
is I know, Hey, good to talk to you, my friend.
And of course we've got Kyle back. Kyle, how have
you bet? It's been a bit, It has been Sean.

Speaker 3 (00:40):
I've been doing well. Glad to hear you are too.

Speaker 1 (00:42):
Ed doing fantastic and it's great to have both of
you along this morning, and we are going to talk
about quite possibly the biggest topic we ever cover on
this program. Seems to get a lot of calls, a
lot of a lot of questions, a lot of folks
wanting to know more, and we're talking this week about
social security benefits. We had some great information from Kyle
and Eric this morning throughout the program, don't forget if

(01:04):
you ever want to join us, you can always get
on the air at six eight three two one thirteen ten.
That's six SOH eight three two one thirteen ten. You
can learn more about Class Financial on their website colss
financial dot com. That's class klaas financial dot com. Recently
redesigned website as well. Make it really easy to email them.
Also schedule a complimentary chat right on the website class

(01:26):
financial dot com. You can also, of course call the
office six SOH eight four four two five six three seven.
As mentioned, this week, we're going to be talking about
social security. But before we get to this week's topic
and conversation, let's take a look back at last week's
pro program. Of course, each and every week we do
the Class Quiz question the week your chance to win
a fantastic prize. This week, no exception, our friends from
Class Financial have provided a twenty five dollars gift card

(01:47):
to Cheesecake Factory. We'll tell you a little bit later
on the program how you can win that twenty five
dollars gift card. Little tip Tayke close attention because just
about every show, the question and answer come up during
the program. Let's actually take a look back at last
week's Claws Quiz question week get the question an answer
there as well.

Speaker 2 (02:05):
Yes, So thank you to everybody for listening. As always,
and last week we talked about charitable giving and specifically
how it impacts your tax return. So our question was
true or false. As of twenty twenty two, only about
ten percent of American taxpayers itemize their deductions. The answer
to that was true, and our winner was Melanie from

(02:25):
lod Ice, So thank you for listening.

Speaker 1 (02:26):
Congratulations Melanie. And as Eric mentioned, great conversation last week
about charitable gifting and donations and other things and deductions.
You listen back to that right at class financial dot Com.
That's Class k l aas financial dot com. Of course,
today we are going to be diving into the topic
that pretty much affects every single person here in the
United States at some point, and that's of course social

(02:48):
Security benefits. And I've got to guess the biggest question
out there, Kyle is when should I start And I'm
going to get my pen out on this one. When
should I start taking my retirement benefit? Yes?

Speaker 3 (03:02):
John, it definitely is the biggest question that we get.
It's one that everybody asks all the time, and unfortunately,
like a lot of answers in financial planning, is that
there's no straight answer. It very varies dependent on each
individual person and their individual situation. But we can at
least break something some this down and give you some clarity.
So let's start with the basics. So the earliest that

(03:24):
you can start collecting Social Security retirement benefits is age
sixty two. But if you do that, your benefit's going
to be reduced because you're starting before your full retirement age,
which we also call your FRA. But on the flip side,
if you wait until age seventy, you actually get the
maximum ount of benefit. So between age sixty two and seventy,

(03:44):
you can start your Social Security pretty much at any time,
and it's all going to depend The amount you get
is going to base be based on how old you
are when you start claiming it to the month. It's
not even like an annual thing. It's every month that changes.

Speaker 1 (03:56):
That's and that size. We talk about that stuff, you know,
we think about kind of calculating that can you can
we kind of get some as we kind of break
this stuff down with Eric and Eric and Kyle this morning.
Let's then kind of get into what that full retirement
is then, Kyle.

Speaker 3 (04:13):
Yeah, Sean for sure. Yeah. So the biggest one here
is it's a good question, and it depends on the
year that you were born, which again this is why
this stuff is so so complex sometimes. So if you
were born between nineteen forty three and nineteen fifty four,
your full retirement age is sixty six. If you're born
between nineteen fifty five and nineteen fifty nine, it's sixty

(04:33):
six plus a few months, whether that's two, four, six, eight,
ten months, whatever it is. And then if you were
born in nineteen sixty or later, your full retirement age
is age sixty seven. So here's an example. Let's say
that your full retirement age is sixty six in two months,
if you were to start collecting that benefit at sixty two,
you would only get about seventy four point two percent

(04:54):
of that full benefit excuse me. And then at sixty five,
again we're not quite a full retirement, you would get
ninety two point two percent. But if you wait all
the way up until seventy you'll get that full retirement
age amount plus delayed retirement credits which are eight percent
per year every year from sixty six and two months
up to seventy in this case. So that's a really

(05:15):
good uh incentive to wait because there's no investments that
we can guarantee in eight percent return every single year.

Speaker 1 (05:22):
Talking this morning with Kyle Kiten Eric Schwartz, our retirement
planning professionals from Class Financial Online, Class Financial dot com.
That's Class k Laasfinancial dot com. Talking this week about
Social Security and of course when should you be taking
your Social Security benefits? All those questions around that stuff,
and so you know, I think a lot of folks

(05:43):
also kind of wonder then as you as you lay
that out, is what's that break even point when it
comes to starting social Security? Kind of thinking about it,
like kind of doing the math and trying to figure
out is it better to start earlier or wait? Eric,
what's kind of the guidance on that in that area.

Speaker 2 (06:00):
That's a really good point, Sean, and I think this
is actually what people are asking us when they say
when should I take my Social Security? Right? They were
paying into Social Security all the years that we work,
and when people go to take their benefits, they want
to make sure that they're they're maximizing the amount that
they can get out of it, and we tend to
look at it a little bit differently in terms of

(06:20):
how it fits into your greater retirement plan. But the
break even point here is basically the age at which
the total amount that you've collected from Social Security balances out,
regardless of whether of when you started taking the benefit.
And I know that sounds a little confusing, so let's
do an example here. So let's say your full retirement
age is sixty seven, and you're deciding between taking benefits

(06:42):
at your earliest possible age, which is sixty two, or
waiting until the latest possible age, which is seventy. So
if you take your benefit at sixty two, you'll be
getting a reduced monthly check, but you're going to be
receiving it for more years. Okay, So if you wait
till until seventy, you're going to get a much bigger benefit,
but you'll get it for a fewer years. So think

(07:02):
about it this way. If you start benefits at sixty two,
you have eight years of collecting benefits before you would
have even started if you waited until you were seventy, Right,
so then basically what we're saying is when when we're
looking at your age seventy benefit and we're saying it's
going to be so much larger, right, every month of

(07:23):
that larger benefit is paying back those eight years of
benefits that you did not collect. Right, You're paying yourself back.
If we're looking at balancing this out and breaking even,
So the break even point usually falls somewhere between ages
seventy eight and eighty one, depending on your specific situation.
So if you think you're going to live well into

(07:43):
your eighties or nineties, delaying can really pay off, right,
that that bigger monthly check can actually pay you back
and then some if you live long enough. But if
you need the money earlier, or if your health or
your life expectancy is a concern, then taking it sooner
might make sense, even if you get a smaller benefit.

Speaker 1 (08:00):
Uh, you know, and we're going to talk about this too,
because it feels like it's it's a lot to it.
I mean, nobody knows, you know, how long we're on
this on this earth. Remember there was a movie Logan's
Run I think is what it was called, back in
the seventies, where like like people have like a crystal
on their hand, and as their time was coming, that
crystal would change colors and you knew.

Speaker 2 (08:19):
Unfortunately, I don't think I like that, Sean, No, I
don't think I like that.

Speaker 1 (08:23):
It's a great movie, but yeah, kind of a kind
of a stark and terrifying premise there. But but there
is more to this, right, It's it's it's not just
a math problem, but also as we as we look
to this, it's it's also kind of a lifestyle and
health decision as well, isn't it, Eric.

Speaker 2 (08:40):
Yeah, it's part numbers, it's part strategy, and then there's
always a little bit of personal preference or what I
call like the human element and sneaking in there. Remember,
the break even point is just one factor. So we
also look at your other income sources, your your spouse's
benefit taxes, and you know generally how social security fits
into your overall retirement. The good news is, with some guidance,

(09:03):
you can make a smart decision. But you really need
to consider all three of those factors. And I'm going
to give one example here of what I call this
human factor. So for a lot of folks, they know
that putting off their social security will give them a
larger benefit later and in many cases probably end up
giving them a larger benefit throughout their life. Right. But

(09:26):
for my younger retirees that I'm meeting with, and they're
in their early years of retirement and they're not taking
their social security right, they're drawing their monthly benefits from
their retirement plan right, They're watching them spend spend down
their retirement savings while putting off that social security. Well,
people can stomach this pretty well when the market is
doing well. But if the market pulls back and they say, Okay,

(09:47):
now I'm seeing a decline in my investment value and
I'm drawing money out and I got the Social Security
over here and I'm not touching that at all, that's
really really difficult for folks. And that's where I'll say,
like that human element comes in and we need to
maybe re reevaluate how we're approaching social security for folks.

Speaker 1 (10:05):
Really good to considerations this morning as we talk with
Eric Schwartz and Kyle Kite, our retirement planning professionals from
Class Financially. If you've got a question for Eric and Kyle,
love to have you join us this Morntel for number
six so eight three two one thirteen ten. That's six
so eight three two one thirteen ten and Steve checks in. Steve,
welcome to the program. You're on the Earth with Eric
Schwartz and Kyle Kite of Class Financial.

Speaker 4 (10:25):
Yeah, good morning, gentlemen. I heard or read about quite
a substantial tax deduction if you are sixty seven years
old or older and drawing Social Security, and I'm just
trying to substantiate this because it really available.

Speaker 2 (10:47):
That's a that's a great question. I can take this one, Sean.
I believe what you're referencing. I can't be sure, but
I believe what you're you're referencing is what's called the
Enhanced Senior Deduction, and it is a recent is part
of the recent tax and spending bill that went through
that gives folks sixty five and older a six thousand

(11:09):
dollars additional deduction on top of your standard or your
itemized deductions. So that is a six thousand dollars per
person additional additional deduction. So if that's what you're if
that's what we're referencing here, then then the short answer is, yes,
that is that is something that is taking effect this year.

Speaker 4 (11:29):
And six thousands is still great. But I had at
least twenty four deduction really, so so yeah, it sounds good.
You don't have to itemize to get this correct.

Speaker 1 (11:42):
That's a great question, Steven. And as we get into this,
I love the I love the questions, and and it's
funny because a lot of the stuff is is you know,
anytime we're dealing with with government, anything gets a little
a little complicated and nuanced. And and I love I
love hearing this stuff. And you know, sometimes you'll hear
things from you know, from your friends and others and
you're like, wait what and then you'll you'll look into

(12:04):
it like Okay, maybe there's a very special unique circumstance
or maybe there's those type of things. So really really
good stuff this morning. Great call, Steve, Thank you, and
of course if you've got a question, we've got a
phone line open for It's six oh eight three two
one thirteen ten. That's six o eight three two one
thirteen ten. We're going to talk about, uh, maybe a
little raise and social Security and their benefit. We're gonna

(12:24):
get to get to that, and we'll talk a little
bit as well about kind of how your Social Security
benefit is calculated in the first place. We'll do that
in just a moment. In the meantime, you haven't been
to the website yet. Cossfinancial dot Com that's Coss klaas
Financial dot com. Need to head on over there right
now or give them a call. Six oh eight four
four two five six three seven. No charge for that
initial get to know your appointment at Costs Financial. It

(12:44):
will be complimentary to you again their number six oh
eight four four two five six three seven. More of
Money in Motion comes your way next right here on
thirteen ten. Wu Ibi.

Speaker 5 (12:54):
This is Money in Motion with COSS Financial, a fun
and informative show designed to help you get answers to
all your retirement questions in one place.

Speaker 1 (13:03):
Talking without retirement planic professionals Eric Schwartz and Kyle Kaite.
Of course, they come to us from Class Financial online,
Class Financial dot com. That's Class k l aas Financial
dot com. Delph number six eight four four two five
six three seven. No charge for that initial get to
no depoyment at Class Financial. It will indeed be complimentary
to you again their number six oh eight four four

(13:23):
two five six three seven. Talking this week about social
security and I've heard some folks, Kyle, uh, maybe getting
a large pay raise and their soci security benefit this year.
What's that all about?

Speaker 3 (13:37):
Yeah, great question, Sean. This kind of ties back into
the question that we had from the listener just a
minute ago, because a lot of people hear about this
through their friends and things too. So well, I think
what you're what you're referencing here is the windfall elimination
provision and the government pension offset. So both of these
were basically things that were in law that would it
would reduce most people's social security if they had different

(14:00):
working like down here in Illinoi, it's very common for
teachers to not pay into social Security, so if you
were a teacher, you actually would get your social Security
benefit reduced and so on and so forth. But there
was a Social Security Fairness Act that was signed back
on January fifth of twenty twenty five here that basically
got rid of those offsets and win fall elimination period.
So this is a very big deal for people that

(14:23):
were affected by this because this means that individuals whose
social Security benefits were previously reduced by those provisions may
have received retroactive payments for twenty twenty four. So people
that this affected got a nice check in early twenty
twenty five. Then also their social Security actually went up
on a month to month basis, and that started back
in April of this year. So if you were especially,

(14:45):
like I said, a teacher down here in Illinois especially,
but if you're part of one of these offsets, it's
definitely something to look into.

Speaker 1 (14:52):
Really great stuff. And then Kyle too, what's kind of
the best age as we're as we're kind of breaking
social Security down to start our benefit.

Speaker 3 (14:59):
Yeah, this is a good question, Sean, And this we've
been talking about this a lot this morning, but this
is my joke. If you tell me today you're gonna die.
This all becomes a real simplemathic question, right, So it
truly depends as we've been talking about, and we really
need to look at your other income sources, what your
spouse's social Security record could look like, any debts that
anybody has. And then obviously health and longevity is a

(15:21):
big part of this. So sometimes it makes sense to
start early. Sometimes it's worth holding out, but it's almost
it's basically a non negotiable that once you hit seventy
there's no reason to wait any longer because you have
absolutely maxed out what your Social Security benefit would be
at that point. Very interesting.

Speaker 1 (15:39):
So as we talked this morning with Kyle Kaiten Eric Schwartz,
our retirement planning professionals from COSS Financial. You can always
learn more online Cossfinancial dot com. That's Coss Klaas Financial
dot com and Eric. You know, as we break this
stuff down, let's talk numbers and like, how are these
payments calculated? How is it calculated in the first place.

Speaker 2 (16:01):
It's a great question, and this is where it gets
pretty technical, but we'll try and keep it, try and
keep it simple for this Social Security show. First off,
to qualify for Social Security you need to earn credits.
So in twenty twenty five, you get one credit for
every one and ten dollars that you earn, and you
can get up to four credits per year. Okay, So

(16:23):
generally you need to have forty total credits, which works
out to about ten years of work history to be
eligible to get your own retirement benefit. So, assuming that
you've actually met that requirement, the Social Security Administration is
going to take your thirty five highest earning years adjusted
for inflation. Now this is not your last thirty five
years or anything like that. This is truly your highest

(16:46):
earning years. And they are taking your earnings from the
early part of your working years and adjusting them to
today's value for inflation, and they are taking the highest
thirty five years and using that to calculate your benefit.
If you didn't work for thirty five years, if you
don't have thirty five separate years where you have income,
those missing years are going to count as zeros in

(17:08):
the formula. So even if you have you know, low
income in years in certain years that you would use
to fill out that thirty five, it is still helpful
because you're getting rid of some of those zeros. Your
earnings are then averaged into something called your average indexed
monthly earnings or your AIM. Then they use that formula

(17:30):
to turn your AIME into what's called your primary insurance
amount your PIA. And this is the benefit that you
actually receive at full.

Speaker 1 (17:38):
Retirement age real quick too, And I'm going to ask
you the complexity of this formula. I've heard from folks
too who are like, like near retirement and maybe they've
they've got some other income and they're just like saying saying, well,
I don't want to work I don't want to take
a job right now because I don't want to because
I won't be working full time or whatever. The reason is,

(17:59):
I don't want to lower my benefit, am I right? Like,
like once you kind of earn those credits at that
the only it can only go up, right, you're earning
your own the percentage that that number, you can't. You
can't if you take a lower paying job in yours
you near retirement, it's not going to pull your benefit down?

Speaker 4 (18:18):
Right?

Speaker 1 (18:18):
Am I making sense on that?

Speaker 5 (18:19):
Eric?

Speaker 2 (18:19):
Okay, Yeah, you're you're correct. You're correct. It's not going
to lower your benefits. It's those thirty five highest earning
years and not your last thirty five.

Speaker 1 (18:27):
Well stated, well well put as always to talk this
morning with Eric Schwartz and Kyle Kaita, retirement planning professionals
FROs Financial. So I'm kind of guessing is as folks
are probably playing a long here at homegoing what the
this formula isn't super straightforward?

Speaker 2 (18:42):
Is it?

Speaker 5 (18:43):
No?

Speaker 3 (18:44):
No?

Speaker 2 (18:44):
And this is why we always tell people to create
an account on SSA dec of because it's a lot
easier if they just do the math for you. But
basically the way that it breaks down for the final benefit.
Is there going to take that average index monthly earnings. Okay,
so remember that comes from your thirty five highest earning years.
They're going to take that amount, and they are going

(19:05):
to look at the first one thousand, two hundred and
twenty six dollars of that amount, and they're going to
multiply that by ninety percent. They are going to then go, okay,
one two hundred and twenty six dollars up through seven thousand,
three hundred and ninety one, they're gonna multiply that by
thirty two percent. Then everything over seven thousand, three hundred

(19:26):
and ninety one, they're going to multiply by fifteen percent.
We add it all up, and there is your Social
Security benefit. So I think I think that is pretty straightforward,
and I'm sure everybody will leave today with a really
good understanding of how to calculate that for themselves.

Speaker 1 (19:42):
I think this is like a conspiracy by Texas Instruments
to sell more calculators. I'm telling you, this.

Speaker 2 (19:50):
Is, oh Man, of all the conspiracy theories. I don't
often worry about Texas Instruments.

Speaker 1 (19:55):
Right, They're always lurking somewhere there is talking this morning
the retirement planning professionals Eric Schwartz and Kyle Kite. Of course,
they come to us from Class Financial online Klassfinancial dot com.
That's Closs k l aa s Financial dot com. We
talked Aim, we talked Pia, What about Cola. We'll get
the details from the guys next. As Money in Motion

(20:16):
with Class Financial continues here at thirteen ten, will you
I I?

Speaker 5 (20:20):
This is Money in Motion with Class Financial, a fun
and informative show designed to help you get answers to
all your retirement questions in one place.

Speaker 1 (20:29):
Just moments away from our Class Quiz flash week, your
chance to win a twenty five dollars gift cards at
Cheesecake Factory, talking with our retirement planning professionals from Class Financial,
Eric Schwartz and Kyle Kite talk in social security this
week and as we as we talk about this stuff
much more complicated, I think than folks realize our area.
Then I guess we've got to wonder about is does

(20:51):
that benefit stay the same once you start collecting? Kyle,
we'll throw this one your way.

Speaker 3 (20:58):
Yeah, great question, Sean. And the good news is that
it does usually go up over time thanks to cost
of living adjustments. So Social Security looks at it's generally
tied to like what inflation's running, and that's how they
are partially what they take into consideration when they're looking
at these cost of living adjustments. So just over the
last few years to give people some numbers, so from
twenty three into twenty four, the cost of living adjustment

(21:19):
was three point two percent, and then last year twenty
four into twenty five here was two point five percent,
and they always announced this in October, so we just
got the number for twenty twenty six. So next year
it's going up by two point eight percent. And as
I mentioned, this is generally tied to what they're seeing
for inflation. And while we're talking about these calculations, don't

(21:39):
forget that Social Security is you've paid into these benefits
through payroll taxes as you were working. But many people
don't realize that you pay six point two percent out
of your check, but your employer also matches that. So
the total that's going in is about twelve point four percent.
But they do have a wage cap on it, and
for twenty twenty five that cap is one hundred and

(22:00):
seventy six thousand dollars one hundred. So what that means
is that if you earn more than that, you'll stop
paying into Social Security once you hit that max for
the year, So you'll feel like you're getting a little
bit of a raise because you're not paying in that
six point two percent. But then the new year rolls
around and it resets the clock, so you get to
start all over and start paying back into it.

Speaker 1 (22:19):
Sorry, this morning with Kyle Kaite and Eric Schwartz or
retirement planning professionals from Class Financial. So you know, one
of those areas to Kyle that I don't think we
always think about, which is we think social Security. You
think retirement benefits. But there's other areas and other benefits
out there when it comes to Social Security, aren't there?

Speaker 3 (22:34):
Yeah, one hundred percent, Sean, So social Security isn't just
about retirement, which that's pretty much what we've been focused
on today is the retirement benefits, but it touches a
lot of a lot more lives than people realize, whether
it's a disability, death in the family, supported and child
with special needs. There are a lot of ways that
Social Security can help people, and there's actually five types
of these benefits. So again, retirement benefits. That's pretty much

(22:56):
what we've been talking about today. You pay into Social
Security while you're working. When you retire, they start paying
you at check. Another one though, is disability insurance, so
if a medical condition prevents you from working, this is
called SSDI. There's also survivor benefits, so for eligible family
members after someone passes away, whether that be a spouse
or a minor child, there's some some Social Security benefits there,

(23:18):
and then there's something called Supplemental Security income and those
are that's for people that are disabled, they're over sixty
five with very limited income or resources.

Speaker 1 (23:27):
Fascinating stuff for sure, and don't forget if you miss
any part today's program, you can always listen back to
this previous shows at costs Financial dot Com. That's coss
k l aas Financial dot Com. Always a lot of
great information, also a lot of fun as well listening
to the program, Josh, share this with your friends and family.
Also again, just head on over to class financial dot Com.
One final thing and speaking of websites, before we wrap

(23:48):
up and get to the Class Quiz question the week
this week, Eric, are there kind of places folks can
go or some resources folks can use when they're looking
to get serious about planning for Social Security, where's a
good start for that?

Speaker 2 (24:01):
Absolutely, there are definitely good resources for this. I'm sure
that everyone enjoyed my breaking down of the formula in
the way that you can. You can do some long
division and figure it out yourself, but hands down, visit
SSA dot gov. That is the best place to get
information about Social Security and your specific Social Security benefits.
So you can create an account, see your work history,

(24:23):
estimate your benefit at different ages. Can you even see
if you're eligible for spousal or survivor benefits. So it's
a really, really useful tool. I really encourage folks to
go out there and use it.

Speaker 1 (24:33):
In that website s SA dot gov. That's s SA
dot gov. Speaking of useful websites, class financial dot com
great site there as well, if you have been there recently.
Check them out online cossfinancial dot com. You can subscribe
and listen back to the podcast. You can sign up
for the weekly Market Pulse newsletter. You can build separate
divisions at costs financial how they can help you. Also,
if you're an employer, other areas they can help you

(24:55):
there as well. Again, that all available to you at
Cossfinancial dot com. They're twelphe number six so eight four
two five six three seven. No charge for that initial
get to know you appoyment at Lost Financial, it will
be complimentary to you again their number six oh eight
four four two five six three seven.

Speaker 2 (25:09):
You're what.

Speaker 1 (25:10):
I want to hold on to that telephon number because
it's time now for the COSS Quiz Question of the Week.
It works like this. In just a moment, I'll ask
you the class quiz question of the week. We'll then
have thirty minutes from the end of today's program to
call the Class Financial office right here in Madison at
six oh eight four four two five six three seven.
First cout correct answer win this week's prize, which is
a twenty five dollars gift card to cheesecake Factory. This
week's class Quiz question the week is this, what is

(25:32):
the earliest age that you can begin collecting traditional Social
Security retirement benefits? Is it age sixty two or age
sixty five? Telephone number six oh eight four four two
five six three seven. First coar with correct answer win
that twenty five dollars gift card to cheesecake Factory. Don't
forget as well as Colass Financial's office right here in
Madison again their number six oh eight four four two

(25:54):
five six three seven. Eric Kyle, great chatting with both
of you guys, have a fantastic day.

Speaker 4 (25:59):
Thanks.

Speaker 1 (26:00):
Thanks, take care guys. Doctor Marty Green from check out Vet.
We're gonna talk kitties. We're gonna talk cloning. We will
do that next. As Ask the Experts continues right here
on thirteen ten w I B A.