Эпизоды
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Parenthood is an adventure filled with joy, challenges, and a significant amount of financial planning. In the latest episode I'm joined by Ana Kresina, a financial educator and co-host of the Get Rich Slow Club podcast, to explore the intricacies of managing money as a parent. Ana's journey to financial independence and her experience as a parent have culminated in her book, Kids Ain't Cheap, a comprehensive guide for parents navigating the costs of raising a child. The episode delves into topics ranging from the price of early childhood education to the gender super gap, and the importance of planning for your child's future.
Here's a link to the blog post: https://www.sharesforbeginners.com/blog/ana-kresina-kids-aint-cheap
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they’re offering something of value.ETFs for Beginners is a production of Finpods Pty Ltd. The advice shared on ETFs for Beginners is general in nature and does not consider your individual circumstances. ETFs for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABHosted on Acast. See acast.com/privacy for more information.
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Molly Benjamin was not very good with money despite working in the financial sectors for national and international companies for most of her career. In fact, over a glass of prosecco with her gal pals she realised they were all a bit #clueless when it came to their personal finances. As an experiment, Molly put on an info-night in her living room. Thus was born Ladies Finance Club:
"Women make really good investors when we know how, because we have our goals and we stick to them. You know, I think it's like the University of Warwick, they've all done these studies, which show women make really good investors and they can actually outperform men. But the difference I see is, and I say this across Australia and the UK as well is women like to have cash, they like the safety of cash. They like to know that it's there, if an emergency happens and you know, when women you've got a family, you've got kids, you've got expenses, I can understand why they like to have that buffer."
Find out more about Ladies Finance Club at: https://www.ladiesfinanceclub.com/
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
Portfolio tracker Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Get 4 months free at https://www.sharesight.com/sharesforbeginners
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Пропущенные эпизоды?
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Joining us for this episode is Robin Bowerman Head of Corporate Affairs at Vanguard Investments Australia. We spoke about the creation of index funds by Jack Bogle the founder of Vanguard, asset allocation, some of the psychological traps of investing for the first time, and how cost matters when you invest.
"The one thing you know, for certain is what the cost will be. So it's more about what can you control and what do you have to accept that you cannot control You can't control markets, you can control cost and the less you pay the less the drag on the performance of the fund on the portfolio going forward. That's part of the reason why ETFs, I think have become successful both in the US, but also in Australia over the last 10 years is because they've been able to put tools in the hands of investors at a relatively low price."
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
Portfolio tracker Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Get 4 months free at https://www.sharesight.com/sharesforbeginners
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Guest today is Natasha Etschmann, better known as Tashinvests. Tash is a 24 year old with a net worth of 215 K. She works as a disability support worker and is living proof that you don't have to work in finance to be good with money.
"I feel like we all overthink this so much. Investing is a lot simpler when you kind of strap it down. Just starting really small, like finding that one, ETF, opening a brokerage account. I think we can all sit here and overthink everything that we do all the time, especially for stuff like this."
Find out more at: https://tashinvests.com/
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
Portfolio tracker Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Get 4 months free at https://www.sharesight.com/sharesforbeginners
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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We welcome Dave Gow from Strong Money Australia to this episode. Strong Money Australia focuses on helping people reach Financial Independence and Retire Early (FIRE) in Australia. Dave publishes regular articles and podcasts, sharing his thoughts and the key lessons that have helped him on his journey. You can find out more at: https://strongmoneyaustralia.com/
"I like the fact that I can get a decent income stream every quarter, every year, but when I'm looking at investments, I am kind of considering the bigger picture, like the bigger portfolio in mind first and foremost, rather than just chasing the highest yield from here there and everywhere. So I'm more interested in like a pretty diversified portfolio, but hopefully one that produces like a decent income at the same time. So it's kind of a balance and I definitely wouldn't chase super high yields just because it looks more attractive or it's more kind of immediate gratification of getting the high payments each quarter."
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
Portfolio tracker Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Get 4 months free at https://www.sharesight.com/sharesforbeginners
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Angela Thompson is the senior digital marketing and affiliate marketing manager at Sharesight Portfolio Tracker. While she'd worked at Sharesight for a couple years and heard people talking about shares, investing, ETFs and micro investing, she hadn't taken the leap herself. It was through a colleague, also in marketing that she bought her first ETF. Angela really needed someone that she could identify with to help her take the plunge. Now she takes her investing seriously regularly funding her account and managing her own asset allocation.
"I think in the past, it's been seen as this massive barrier, that you have to understand everything about the market before you jump into it. But there's so many other things that we do. When you learn to cook, you don't know every single ingredient in every single recipe in the world, you just learn how to make one thing and then you make that well, and then you move on to the next thing and investing, I think can be like that. There's obviously those few baselines that you need to understand, but you don't have to understand derivatives and options. When you want to buy your first ETF, just start do your research. There's so much great content about it. Do a bit of research."
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
Portfolio tracker Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Get 4 months free at https://www.sharesight.com/sharesforbeginners
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Jamie Hannah is the Deputy Head of Investments and Capital Markets at VanEck Australia. He currently manages 28 Exchange Traded Funds (ETF’s) with more than $9 billion under management. We spoke about 2 VanEck thematic ETFs - Esports and Gaming (ASX:ESPO), and Clean Energy (ASX:CLNE). "There are over 3 billion gamers in the world, generating $180 billion in revenue. The movie industry globally only generated a $100 billion and the music industry around $40 to 50 billion." But he also warns that "Thematics should only be a small portion of anyone's portfolio. You may make some good money out of it, but it should never be the backbone of any long-term planning" because "Long-term wealth is all about long-term investment in good quality companies over a longer period of time."
Clean Energy ETF trades under the code CLNE, and Esports and Gaming is trading under the code ESPO. Find out more at: https://www.vaneck.com.au/
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Special offer for listeners of this podcast! A year's free membership of the Australian Shareholders' Association by using the promo code ETFS22 signing up at https://www.australianshareholders.com.au/join-asa
Steven Mabb GAICD is the Chair of the Board of Australian Shareholders' Association. Steven was appointed to the board on 16 June 2020 and is a member of the Education Committee, the Remuneration & Nominations Committee and the Finance, Audit & Risk Committee. A successful entrepreneur, in 2007 he helped develop and launch the Vionic footwear brand with his business partners in the U.S., which went on to become a top 20 brand and was subsequently sold to a large U.S. listed company in 2018. He then returned to Queensland with his young family to become a full time, committed investor and quickly joined the ASA after discovering the many benefits it could offer.
ASA is offering a years fee membership by using the promo code ETFS22 at https://www.australianshareholders.com.au/join-asa
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Really pleased to welcome Owen Raszkiewicz to the podcast. He runs Rask Australia, a diversified investment advice, news research, financial education, podcasts, and money network empire. Here are some links mentioned in the show:
The ethical investing check-list: https://education.rask.com.au/wp-content/uploads/sites/4/2021/02/Ethical-Investing-Checklist.pdf
The Climate Wreckers' Index: https://www.marketforces.org.au/
The curious case of JC International Group Limited: https://www.fool.com.au/2016/02/05/the-curious-case-of-jc-international-group-limited/
And free to listeners of this podcast, the Rask ethical investing course when you use the coupon code "begin" https://education.rask.com.au/courses/ethical-investing-101/
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Sarah King is the Head of Client Care & Advice at Stockspot. Sarah currently advises tens of thousands of clients and helps them to invest into smart, low-cost ETF portfolios to reach their financial
goals. Stockspot is a leading online investment adviser. They know the boring secret to success when you invest. Find out more about Stockspot here: https://www.stockspot.com.au/
We spoke about the mistakes of trying to time the market, the common questions she gets asked and how Fintech is democratizing financial advice.
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Captain FI is a retired Air Transport Pilot. He is passionate about Financial Independence, Aviation and online business, and enjoys writing about his financial journey retiring from full time flying at 30. Find out more about the Captain here: https://captainfi.com/
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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Emilie O’Neill is the Co-Head of ESG & Equities Analyst at eInvest where she leads their ESG-focused Better Future Fund ETF IMPQ. IMPQ focuses on companies with strong balance sheets that offer positive Environmental, Social and Governance (ESG) outcomes.
More information available at https://einvest.com.au/
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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We know that ETFs provide investors exposure to a broad range of companies on share markets. But they can also provide niche investing that gives you exposure to thematic equities and commodities. Kanish Chugh is Head of Distribution at ETF Securities, an independent champion of specialist ETF solutions. We spoke about opportunities in AI, Robotics, precious metals, semi-conductors and biotech. More information available at https://www.etfsecurities.com.au/
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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In this episode we welcome Mark Monfort - DeFi Advocate, Data Strategist and publisher of ETF Tracker. He loves bringing data analytics and other disruptive technologies to the marketplace. ETF Tracker is a free source of data-driven insights, analysis and a look under the ETF hood with data from the exchanges, ETF issuers and more. https://www.etftracker.com.au/
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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We are excited to be publishing our first episode with an actual guest! Jessica Leung from Betashares. In this episode Jessica explains how one of the best ways to start out with ETFs is with a broad market cap weighted index. So you're essentially getting the market, the whole of the ASX 200. She also explained why she decided to create content on social media, to raise awareness of financial literacy. Who better to speak in this space than a person actually managing an ETF themselves. You can find her in Instagram and TikTok via @theleungway
Here's a link to a recent article from Jessica about the ESG revolution: https://www.betashares.com.au/insights/the-esg-revolution/
Jessica is a member of the portfolio management team at BetaShares. Prior to joining BetaShares, Jessica worked within the Systematic Equities Portfolio Management team at Macquarie Investment Management. Jessica is a CFA Charterholder and has a Bachelor degree in Actuarial Studies and a Bachelor of Applied Finance from Macquarie University.
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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What do we know, what do we need to know and, how are we going to find out what we don't know that we need to know about ETFs and how beginners can use them in their portfolio. So many questions. So many experts. So many ways to invest.
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
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If you're just learning about investing, there's no better place to start than with an ETF aka Exchange Traded Fund. They're low cost, easy to buy and sell, offer instant diversification and they you to invest in companies that align with your goals and values.
Ana Kresina is a vagabond hailing from Vancouver, who embraces adversity, obsesses over learning, and is an experience-seeker. When she isn't doing product management she's most likely looking after her plants, adventuring, or eating cheese. She offers tips and commentary on FIRE & investing on the Instagrams.
Phil Muscatello is the host of Shares for Beginners, Stocks for Beginners, Talking Companies and Equity ASA. Before becoming a finance podcaster, he didn't even know how to spell ETF.
ETFs for Beginners is proudly brought to you by Pearler and the Shares for Beginners Podcast. Pearler is a wealth management platform where you can invest in shares and ETFs and also micro-invest. You can set up your goals, track all your accounts in one place and set and forget using auto-invest. Sign up at https://pearler.com/ and use the promo code "community" for a $10 brokerage credit toward your first investment.
Shares for Beginners is a podcast where Phil interviews industry experts to find out how the market works while trying to manage risk and emotions. Let's learn together: https://www.sharesforbeginners.com/
ETFs for Beginners is for information and educational purposes only. It isn’t financial advice, and you shouldn’t buy or sell any investments based on what you’ve heard here. Any opinion or commentary is the view of the speaker only not ETFs for Beginners. This podcast doesn’t replace professional advice regarding your personal financial needs, circumstances or current situation.
Hosted on Acast. See acast.com/privacy for more information.
