Loud Investing: For Anyone Who Thought It Wasn't For Them

eToro

New episodes every Tuesday. Loud Investing is a podcast by eToro about empowering everyone to close the gender investment gap. Ever felt like investing is just not for you? We get it- and you're definitely not alone! Loud Investing is here to change that conversation. Think of us as your supportive friend who's figured out this whole investing thing and wants to share everything they've learned packed with real chat, relatable stories, and down-to-earth advice from people who've been exactly where you are now. This podcast is for you if you: Think investing sounds scary or complicated Want to sort your finances but don't know where to begin Feel like everyone else has investing figured out (spoiler: they don't!) Your host is former CNBC London journalist, Chanel Monteine, who swapped the newsroom for entrepreneurship - and had to learn about investing the hard way. Each week, she shares honest stories, simple exercises you can actually do. . No jargon, no judgment, just real talk about investing. Come as you are and get loud with us! The content discussed is for educational purposes only and is not investment advice. Investing involves risks. The views shared are general in nature and not tailored to any individual. Always do your research before making financial decisions.

  1. JAN 27

    Inside the Mind of a Global Market Analyst | Big Picture Thinking for Smarter Investing

    In this episode of Loud Investing, Chanel is joined by Lale Akoner, Global Markets Analyst at eToro, to explore how understanding the bigger picture can completely change the way you invest. Lale takes us through her journey from studying economics with some of the world’s most influential thinkers, to working on Wall Street and building a career in global markets. Along the way, she breaks down what it really means to be a macro investor and why big picture thinking matters more than trying to predict every market move. Together, they unpack how human behaviour shapes markets and the economy, why emotions often drive prices more than logic, and how learning to zoom out can help you feel calmer, clearer, and more in control as an investor. This episode is about building perspective, understanding what’s happening beneath the headlines, and learning how long term thinking can make you a smarter, more resilient investor. You’ll Hear Highlights On • What a macro investor actually does and why it matters • How studying behavioural finance changed Lale’s view of markets • Why prices move even when fundamentals have not changed • How human psychology influences markets and the economy • Why big picture thinking helps reduce stress and emotional decisions • How beginners can apply macro thinking without feeling overwhelmed Actionable Steps You Can Take Toward Your Financial Future 1. Start paying attention to the big forces shaping markets, not just daily headlinesFocus on understanding why markets move, not trying to predict every moveNotice when emotions are driving your decisions and pause before reactingUse education tools to simplify complexity rather than avoid it Key Moments Within the Episode (01:01) Lale’s current role and her journey from Yale to Wall Street (03:05) What retail investing really means and why education matters (03:48) Studying economics through maths, psychology, and human behaviour (05:21) Learning from Robert Shiller and why markets are not always rational (12:08) Entering Wall Street after the financial crisis (15:54) What it really means to be a macro investor (19:27) How beginners can apply macro thinking to their own portfolio (22:17) Using AI responsibly to understand markets (23:31) Final reflections on learning and long-term thinking Helpful Links Investopedia: What Is Macroeconomics https://www.investopedia.com/terms/m/macroeconomics.asp  Investopedia: Behavioural Finance Explained https://www.investopedia.com/terms/b/behavioralfinance.asp  Yale School of Management, Behavioural Finance Research https://som.yale.edu/centers/international-center-for-finance World Economic Forum, Global Economic Trends https://www.weforum.org/topics/economic-growth  Monetary Policy Basics http://investopedia.com/terms/m/monetarypolicy.asp  About Robert Shiller https://www.ubs.com/microsites/nobel-perspectives/en/laureates/robert-shiller.html  About Richard Thaler https://faculty.chicagobooth.edu/richard-thaler  About David Hirshleifer https://www.marshall.usc.edu/personnel/david-hirshleifer  About Nick Barberis https://som.yale.edu/faculty-research/faculty-directory/nicholas-c-barberis  Learn more about Loud Investing https://www.etoro.com/LoudInvesting Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

    24 min
  2. JAN 20

    The Information Advantage | How to Build a Smarter Investing Mindset

    In this episode of Loud Investing, Chanel is joined by Naomi Kerbel, a longtime mentor and one of the most experienced leaders in global financial media. Naomi has held senior roles at some of the world’s most respected business and financial news organisations and brings a rare perspective from decades spent at the centre of information, markets, and decision making. Together, they explore Naomi’s recent journey into investing, how her media background shapes the way she consumes information, and how anyone can build a calmer, more intentional approach to money and media, even with a busy life and competing priorities. You Will Hear Highlights On • How Naomi’s career from acting to banking to financial media shaped her relationship with money • How she went from saving, to saving and investing with intention • How to think about values, legacy, and long term wealth • What a solid information diet looks like in practice • How to reduce emotional reactions to news and social media • Why conversations about money matter, especially among women Actionable Steps You Can Take Toward Your Financial Future Define your valuesThink about what matters to you long term and let that guide how you save and invest. Curate your informationChoose a small number of trusted sources and build a daily or weekly routine around them. Create space for reflectionUse quiet moments to review your finances and purchasing decisions rather than reacting to headlines in real time. Key Moments Within the Episode (01:27) Naomi’s career journey and early relationship with money (06:00) How her first shares introduced the idea of investing (12:00) Investing while managing a busy life and family (15:00) Thinking about legacy and long term wealth (18:00) Building a solid and intentional information diet (36:00) A personal money mistake and lessons learned (40:00) Traits Naomi sees in highly successful peopleHelpful Links Asset Allocation and Diversificationhttps://www.investopedia.com/terms/a/assetallocation.asp  Investopedia: How Inflation Affects Investmentshttps://www.investopedia.com/ask/answers/what-is-inflation-and-how-should-it-affect-investing/  Harvard Business Review: How to Make Decisions When Everything Feels Uncertainhttps://www.harvardbusiness.org/wp-content/uploads/2020/03/HBR_Managing_When_the_Future_is_Unclear.pdf  Investing in Gold, CNBC https://www.cnbc.com/2025/09/06/how-to-invest-in-gold-amid-record-run.html  BBC Radio 4 Today Programmehttps://www.bbc.co.uk/programmes/b006qj9z/episodes/player  Bloomberg Marketshttps://www.bloomberg.com/markets  Mel Robbins, Let Them Theoryhttps://www.melrobbins.com/ Richard Branson, Screw It, Let’s Do It https://www.virgin.com/branson-family/books/richard-branson/screw-it-lets-do-it  Learn more athttps://www.etoro.com/academy/loudinvesting/  Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

    26 min
  3. JAN 13

    Mastering Market Chaos | From Beginner to eToro Pro Investor

    In this episode of Loud Investing, Chanel is joined by Heloise Greeff, an Elite Pro Investor on the eToro platform followed by more than 255,000 people. With a background in computer engineering and a PhD in Computer Science from the University of Oxford, Heloise brings a systems driven approach to investing that prioritises clarity, structure, and long term thinking. Together, they explore how analytical frameworks, emotional discipline, and technology can help investors stay calm and consistent even in volatile markets. Actionable Steps You Can Take  Build decision rules before market stress appears Zoom out when volatility triggers emotional reactions Use technology to support thinking, not replace it Focus on durability rather than excitement Design a strategy that fits your emotional bandwidth Key Moments Within the Episode (00:15) Introducing Heloise Greeff and why her background in AI and engineering matters for investing (01:27) From engineering and machine learning to learning the stock market from scratch (03:55) How systems thinking helps her zoom out to macro trends and sector dynamics (06:09) What it means to invest publicly and how copy trading works in practice (11:14) Communicating decisions clearly when thousands of people are watching (12:11) Her core investing philosophy focused on steady compounding and controlled risk (14:02) How she breaks down the AI investment space into clear, practical categories (19:51) Why starting small matters more than waiting to feel ready (21:10) Final advice on using AI responsibly and cutting through hype Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results. Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk. Past performance is not an indication of future results.

    21 min
  4. JAN 6

    Starting to Invest Without Overthinking | Building a Strategy That Sticks

    Introduction In this episode of Loud Investing, Chanel is joined by Sarah Glanville, a finance professional with over a decade of experience and currently Senior Account Manager at eToro. Together, they explore what it really takes to move from curiosity to actually taking action as a new investor. Sarah shares how her investing journey began through a personal family experience and why discipline, structure, and emotional awareness are just as important as market knowledge. This conversation is designed for anyone who feels overwhelmed by where to start and wants a clear, realistic approach to building a strategy that lasts. You Will Hear Highlights On • Why it is normal to feel unready when you start investing • What risk really means for beginners and how to think about it calmly • How systems help you invest without overthinking • Why beginners could use dollar cost averaging • How emotions affect investing and how to manage them Actionable Steps You Can Take Pick a simple starting point: Choose one investment method to begin with, such as a broad market ETF, instead of trying to learn everything at once. Set one automatic habit: Decide on a fixed amount and date each month to invest so consistency does not rely on willpower. Write down a simple plan: Write down why you are investing, what you are investing in, and what you will do when markets go up or down. Review, do not react: Schedule a regular check in, for example once every three or six months, instead of reacting to daily market news. Key Moments Within the Episode (01:15) Sarah’s personal entry point into investing (03:00) Why overwhelm is part of the learning curve (06:00) Building your first investing system (08:00) Dollar cost averaging explained (10:30) Managing risk as a new investor (12:00) ETFs and diversification basics (16:00) Automating investing for consistency (20:30) Budgeting without restriction (25:30) Removing emotion through preparation Helpful Links eToro Academy: How to Start Investing https://www.etoro.com/stocks/trading-and-investing-in-stocks/  eToro Academy: Understanding Investment Risk https://www.etoro.com/academy/videos/how-to-manage-risk/  What Is Dollar Cost Averaging https://www.investopedia.com/terms/d/dollarcostaveraging.asp  eToro: What Are ETFs https://www.etoro.com/investing/what-is-etf/  Diversification in Investing https://www.investopedia.com/investing/importance-diversification/  Morgan Housel, The Psychology of Money https://www.collaborativefund.com/blog/the-psychology-of-money/ eToro Demo (Virtual) Account https://www.etoro.com/trading/demo-account/ Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

    26 min
  5. 12/16/2025

    The Gift of Conversation | How to Talk About Money And Build Your Investing Mindset

    In this reflective episode of Loud Investing, Chanel explores one of the most underrated financial tools you have access to at any time, conversation. She explains why silence around money is so expensive, how avoidance fuels anxiety, and what changes when you start saying your fears out loud with people you trust. Drawing on classic investing books and real life experience, she shares practical conversation starters you can use so money talk feels natural, empowering, and even bonding. You Will Hear Highlights On • Why now is the perfect time to talk about the future • How silence around money creates anxiety • What classic money books have in common about facing reality and uncomfortable truths • Simple scripts to turn awkward small talk into empowering money conversations • Why speaking your financial intentions out loud helps both you and the people around you Actionable Steps  • Choose one person you trust and ask a simple money question • Use a book as a bridge - share one idea from a money book that changed how you think and explain how you applied it • Name your first investing fear - describe honestly how you felt the first time you put money into the market and what actually happened Key Moments Within the Episode (01:34) How guessing about money creates anxiety and why talking reduces that pressure (02:38) Three conversation scenarios that turn small talk into empowerment (09:02) Purchasing power, inflation and why cash can be more risky than investing (10:25) Why good investing could be sitting still while others panic (17:48) The end of year challenge to ask one powerful money question and break the silence Helpful Links Warwick Business School study on women outperforming men as investors⁠ https://www.wbs.ac.uk/news/are-women-better-investors-than-men/⁠ eToro research on the ‘confidence gap’ and women in financial services⁠https://www.etoro.com/news-and-analysis/investing/is-financial-services-obsession-with-confidence-gap-putting-women-off-investing/⁠ Understanding behavioural finance and emotional biases⁠ https://www.etoro.com/investing/understanding-behavioural-finance/⁠ Inflation and how it affects your purchasing power and investments⁠ https://www.investopedia.com/ask/answers/what-is-inflation-and-how-should-it-affect-investing/⁠ Benjamin Graham, The Intelligent Investor ⁠https://en.wikipedia.org/wiki/The_Intelligent_Investor⁠ Robert Kiyosaki, Rich Dad Poor Dad ⁠https://www.richdad.com/⁠ Tony Robbins, Unshakeable⁠https://www.simonandschuster.com/books/Unshakeable/Tony-Robbins/Tony-Robbins-Financial-Freedom-Series/9781508232704⁠ Morgan Housel, The Psychology of Money⁠ https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681⁠ Morgan Housel, The Art of Spending Money⁠https://www.kiplinger.com/personal-finance/spending/morgan-housel-interview-the-art-of-spending⁠ Guide on how to talk about money with family and friends ⁠https://www.letsriseup.com/open-up-about-money-psychotherapist-advice/⁠ eToro press release on Gen Z turning investing into a dinner table topic ⁠https://www.etoro.com/news-and-analysis/press-releases/gen-z-turning-investing-into-dinner-table-topic-younger-investors-far-more-open-discussing-portfolios-with-friends-and-family/⁠ Important Disclosures This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

    20 min
  6. 12/09/2025

    Are You Driven by FOMO? | Investing Psychology & The Christmas Trap

    The end of the year brings not only sales and celebrations but also emotional chaos around money. In this episode of Loud Investing, Chanel unpacks the hidden psychology behind FOMO, from festive shopping sprees to market bubbles, and shows how the same brain chemistry drives both. She explains what really happens in your brain when dopamine takes over and how learning emotional discipline can transform both your wallet and your portfolio. You’ll Hear Highlights On: • The link between Holiday shopping behavior and market psychology • How dopamine fuels impulsive decisions in both spending and investing • Why limited time offers trigger survival responses in your brain • The real reason FOMO keeps you chasing what is next • Historical lessons from tulip mania and meme stocks • How to rewire your mindset to make calm, long term decisions Actionable Steps You Can Take Toward Your Financial Future: Notice emotional triggers. Before making an investment, pause and name what you are feeling, for example excitement, fear, or pressure. Create a Yes List and No List. Decide in advance what you will and will not spend on before the noise begins. Wait seven days. If you still want it after a week and it fits your plan, go ahead, otherwise let it go. Do a monthly portfolio wardrobe check. Review which investments still fit your goals and which you have outgrown. Track emotional patterns. Journal what made you act impulsively and what helped you stay calm. Key Moments within the Episode: (00:00) Why this time of year challenges our financial discipline (01:22) How emotional spending mirrors investor FOMO (05:45) Why dopamine makes us chase more (07:30) The GameStop frenzy and Black Friday effect (08:40) Tulip mania and how hype distorts value (10:50) What social media learned from centuries of crowd psychology (11:45) Recognising when panic could create opportunities (15:13) Building emotional boundaries and no FOMO rules (16:00) Using time to your advantage, why waiting pays (21:00) The wardrobe metaphor for your portfolio Helpful Links: eToro Academy: Understanding Investor Psychology: https://www.etoro.com/investing/psychology-of-investing/  eToro Academy: How to Build an Investment Portfolio: https://www.etoro.com/academy/courses/building-your-portfolio/  Understanding Investment Risk https://www.investopedia.com/terms/r/risk.asp   Investopedia: FOMO in Investing: https://www.investopedia.com/fomo-investing-protect-your-money-11757950  Harvard Business Review: Emotional Regulation: https://hbr.org/2016/11/how-to-manage-your-emotions-without-fighting-them Daniel Z. Lieberman, The Molecule of More: https://www.goodreads.com/work/quotes/60312456-the-molecule-of-more-how-a-single-chemical-in-your-brain-drives-love-s  Mike Dash, Tulipomania: https://www.goodreads.com/en/book/show/431668.Tulipomania Warren Buffett 1986 Letter to Shareholders: https://www.berkshirehathaway.com/letters/1986.html MoneySavingExpert: How to Avoid Overspending: https://www.express.co.uk/finance/personalfinance/1970702/money-saving-expert-how-to-stop-spending-martin-lewis Important Disclosures: This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

    22 min
  7. 12/02/2025

    The Investor’s Canvas | How to Build a Creative Investing Strategy

    Investing is often described as a technical or analytical skill, but it is also deeply creative. In this episode of Loud Investing, Chanel explores how building an investment portfolio can feel like designing your dream home. From core foundations to statement pieces, she breaks down the elements of a balanced portfolio and shows how each choice can reflect your goals, values, and personality. You’ll Hear Highlights On: How to see investing as a creative, expressive process. What your portfolio design says about your values.The role of diversification in creating financial balance.Understanding dividend stocks and how passive income works. Why your portfolio should evolve as you grow. Actionable Steps You Can Take Toward Your Financial Future: Visualize your financial life like a home and define what you want it to feel like. Build your financial foundation with savings, ETFs, and stable assets such as bonds or gold. Add personal touches through stocks in companies that reflect your interests or lifestyle. Research one dividend-paying company and analyze its consistency, yield, and payout ratio. Create a financial mood board that captures your goals, feelings, and future vision. Key Moments within the Episode: (00:00) Realizing the connection between money and creativity (01:30) How portfolio building mirrors interior design (03:30) Defining your portfolio’s core foundations (04:45) The role of stability assets such as bonds and gold (05:34) Adding personal touches with lifestyle-aligned stocks (06:00) The importance of dividend-paying stocks for passive income (06:55) Including statement investments such as innovation or crypto (07:26) Understanding diversification as portfolio balance (08:54) Creating a money mood board (10:38) Exploring the idea of passive income (12:00) How to identify dividend stocks and avoid yield traps (14:14) Using eToro’s Dividend Calendar and AI assistant Tori (15:21) Understanding the ex-dividend date (17:01) Creating your own financial mood board challenge (18:44) Allowing your portfolio to evolve as you grow Helpful Links: eToro Academy: How to Build an Investment Portfolio    https://www.etoro.com/investing/how-to-build-an-investment-portfolio/  What Are ETFs  https://www.investopedia.com/terms/e/etf.asp  Understanding Asset Classes    https://www.investopedia.com/terms/a/assetclasses.asp  Understanding Bonds    https://www.getsmarteraboutmoney.ca/learning-path/bonds/how-bonds-work/  Understanding Dividend Stocks    https://www.investopedia.com/terms/s/stockdividend.asp  eToro Academy: Understanding Dividend Stock https://www.etoro.com/investing/what-are-dividends Investopedia: Dividend Yield Explained    https://www.investopedia.com/terms/d/dividendyield.asp Investopedia: Payout Ratio    https://www.investopedia.com/terms/p/payoutratio.asp Coca-Cola Investor Relations    https://investors.coca-colacompany.com/ Microsoft Investor Relations    https://www.microsoft.com/investor/  Johnson and Johnson Investor Relations    https://investor.jnj.com/ Spotify Investors    https://investors.spotify.com/   Apple Investor Relations    https://investor.apple.com/ eToro Academy: Dividend Calendar    https://www.etoro.com/investing/dividend-calendar/  Understanding the Ex-Dividend Date    https://www.investopedia.com/terms/e/ex-dividend.asp  James Clear: The Power of Habits    https://jamesclear.com/habits  Important Disclosures: This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

    21 min
  8. 11/25/2025

    Investing Beyond The Comfort Zone | How I Learned to Take Smart Risks as a New Investor

    Playing it safe might feel comfortable, but growth begins when you step beyond your limits. In this episode of Loud Investing, Chanel reflects on what it means to take calculated risks as a new investor. From choosing your first assets to managing uncertainty, she explores how courage and strategy work together to build knowledge in the markets. You’ll Hear Highlights On: What it means to take a calculated risk in investing. How to evaluate opportunities using research, not emotion. How diversification and asset mix protect you from big losses. Why growth in investing often starts outside your comfort zone. Actionable Steps You Can Take Toward Your Financial Future: Research two asset classes you are unfamiliar with and compare their risk profiles. Start a small, new investment outside your usual comfort zone and track your progress. Review how much of your portfolio is allocated to low, medium, and high-risk assets. Read one educational resource per week about risk management. Reflect on a personal fear you overcame and apply the same mindset to your investing journey. Key Moments within the Episode: (01:34) Why taking risks matters for growth (01:34) Why taking risks matters for growth (01:58) How calculated risks differ from reckless ones (03:06) Learning from early investing mistakes (03:53) Building courage through small experiments (04:30) How diversification reduces risk (05:19) Understanding risk and reward balance (18:06) The role of confidence in decision-making (21:39) How research creates certainty in uncertainty (22:02) Stepping outside your comfort zone as an investor Helpful Links: Understanding Investment Risk https://www.investopedia.com/terms/r/risk.asp   eToro Academy: Diversification in Investing   https://www.etoro.com/investing/how-to-build-a-diversified-portfolio/   eToro Academy: How to Build an Investment Portfolio   https://www.etoro.com/academy/courses/building-your-portfolio/   Investment Strategies Explained: eToro Academy https://www.etoro.com/investing/investment-strategies/  How to Choose an Investment Strategy   https://www.investopedia.com/investing/investing-strategies/  Understanding Asset Classes   https://corporatefinanceinstitute.com/resources/wealth-management/asset-class/  Investopedia: What Is Risk Tolerance https://www.investopedia.com/terms/r/risktolerance.asp  Understanding Portfolio Diversification   https://www.investopedia.com/terms/d/diversification.asp  S&P 500 has never suffered a loss over a 20-year period https://www.nasdaq.com/articles/cant-lose-investing-strategy-has-never-lost-money-2017-05-12 Important Disclosures: This podcast is for information and educational purposes only and should not be taken as investment advice, a personal recommendation or an offer of or solicitation to buy or sell any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Past performance is not an indication of future results.

    23 min

Ratings & Reviews

5
out of 5
2 Ratings

About

New episodes every Tuesday. Loud Investing is a podcast by eToro about empowering everyone to close the gender investment gap. Ever felt like investing is just not for you? We get it- and you're definitely not alone! Loud Investing is here to change that conversation. Think of us as your supportive friend who's figured out this whole investing thing and wants to share everything they've learned packed with real chat, relatable stories, and down-to-earth advice from people who've been exactly where you are now. This podcast is for you if you: Think investing sounds scary or complicated Want to sort your finances but don't know where to begin Feel like everyone else has investing figured out (spoiler: they don't!) Your host is former CNBC London journalist, Chanel Monteine, who swapped the newsroom for entrepreneurship - and had to learn about investing the hard way. Each week, she shares honest stories, simple exercises you can actually do. . No jargon, no judgment, just real talk about investing. Come as you are and get loud with us! The content discussed is for educational purposes only and is not investment advice. Investing involves risks. The views shared are general in nature and not tailored to any individual. Always do your research before making financial decisions.

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