Podcast

Episode 336

Jan 29, 2021

Allissa and Michael discuss how to use your money to support Black Lives

Listen to "E336: Ways to Guide Your Money Toward Supporting Black Lives" on Spreaker.
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EPISODE 336

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Sponsor message This episode is sponsored by The Original Jojoba Company. I firmly believe that massage therapists should only be using the highest quality products because our clients deserve it and our own bodies deserve it. I have been using jojoba for years and here's why: Jojoba is nonallergenic; I can use it on any client and every client without fear of an allergic reaction. It is also noncomedogenic, so it won't clog pores. So if you've got clients prone to acne breakouts, jojoba is a good choice for them. It does not go rancid. There's no triglycerides, so it can sit on your shelf for a year plus and not be a problem. And that's what also makes jojoba a wonderful carrier for your essential oils as well. It won't stain your 100% cotton sheets, so your linens are going to last longer. The Original Jojoba Company is the only company in the world that carries 100% pure, first-pressed quality jojoba. And we are delighted to be their partner. You, my friends, can get 20% off the price of the product when you shop through our link massagebusinessblueprint.com/jojoba.

Allissa Haines Hello, everyone. Welcome to the Massage Business Blueprint podcast, where we help you attract more clients, make more money, and improve your quality of life. I am Allissa Haines.

Michael Reynolds And I'm Michael Reynolds.

AH And we're your hosts. And we're delighted that you can be here today, and we're delighted that we can be here today and that I worked through my headphone technical difficulties, and everything's going to be okay. Michael, how are you?

MR Doing well. We almost didn't make it, did we? Your headphones were having a struggle there. But I'm glad we made it. We are here. I'm doing well.

AH It was a whole thing.

MR I'm seeing snow out my window.

AH Ah, that's delightful.

MR Yeah.

AH We're getting that tomorrow afternoon.

MR Lovely.

AH What've you been reading, Michael?

MR I have been watching a thing. So I shared this in the notes. It is a 30-minute webinar from an investment company talking about COVID, which is kind of unusual, I know. But this is a webinar that I found recently. One of my financial advisor groups posted it, and I really enjoyed it. It was fairly optimistic, and I wanted to share it with our audience.

This is from Eventide Investments, which is a mutual fund company. They provide funds to invest in like many other funds -- or like many other companies do. And they had kind of a four-part, I think -- or a multi-part series on the coronavirus, its impact on the economy, etcetera, all this kind of stuff. And recently, their chief investment officer, Finny Kuruvilla -- I'm probably totally mispronouncing Finny's name, I apologize -- who has an M.D. and a Ph.D. and is the portfolio manager for the Eventide Healthcare & Life Sciences Fund. And it's about a 30-minute webinar, and it is very "no hype." It's all a bunch of data that he's really distilled into an easily understood format. And it's worth watching all the way to the end because he kind of goes through some of the data and what it means and everything.

And his prediction is that we will start being on a path to normalcy within a couple of months. His prediction is by the end February or early March, we will be kind of on the path to being back to normal. And he said the reason is there's two tailwinds kind of working in our favor. One is he is convinced that we are pretty close to reaching herd immunity in the U.S. I mean, I'm not a medical professional at all. It seems kind of hard to believe, but that's kind of what he says. The other tailwind is the vaccine is being so effective and that it is -- even though the rollout is not what we hoped it would be, it is being rolled out on a pretty steady basis. And the vaccine being so effective is being extremely helpful to the point where, very soon, he predicts we'll be seeing an extreme drop off in death rates, that the death count will just start to plummet, and it will start to be a very optimistic situation. So I thought it was interesting. The data itself is interesting to look at.

I think, Allissa, you and I have both been kind of predicting that by summer-ish we'll kind of be getting back to normal. Things will kind of get better at that point. He predicts it'll be a little bit sooner. Either way, it looks like we have some people saying that there's an optimistic view of the next few months coming when it comes to COVID. So I thought it was really interesting. I wanted to share it. It's -- like I said, it's about 30 minutes. It's worth watching to the end. So if you click on the link in the show notes, you can check out the video. So that's what I've been watching.

AH Interesting.

MR Yeah.

AH Well, that's hopeful, I guess.

MR Yeah. Yeah.

AH I kind of tend -- everything I read -- I've been reading does not agree with that, so I'm a little less optimistic, I think. [Laughing]

MR [Laughing]

AH But, I mean, there it is. I don't know.

MR I feel like sometime between March and summer-ish, something's going to change in a good way. [Laughing]

AH I mean, I -- yeah.

MR That's kind of my broad-spectrum prediction.

AH And I've been pragmatically telling the kids that by the beginning of school next year or this September, this -- in September of this year and the next school year, we will be in a much better place. And they may still be wearing masks because I don't think we're expected to have a vaccine for kids until 2022. But things will be much more -- much, much closer to normal than they are now. So we'll see. Massachusetts has dramatically flubbed their vaccine rollout. It's been absolutely terrible.

MR He mentioned that in the video actually. [Laughing]

AH It's -- yeah. It -- we've done a terrible, terrible job. And -- which is ridiculous because Moderna is based in Massachusetts.

MR Yeah.

AH It -- we shouldn't be having shipping problems. And I know that those aren't --

MR That's exactly what he said.

AH Yeah. Those aren't the problems we're having. They just could not set up fast enough distribution venues. And I'm actually scheduled to get my vaccination on Thursday at Gillette Stadium. And there's kind of question because they haven't parsed out massage therapists into the end of Phase 1 as they did -- they named non-COVID-facing healthcare workers, and they gave a list of that, of who would be in that category. And it pretty much included everybody who touches people except for us, which is ridonkulous. And even acupuncturists got added to that list a couple weeks after that list came out. Chiropractors got added; acupuncturists got added. Many of us have been advocating at the state level to get massage therapists added. But I'm also hearing from colleagues who have managed to get appointments at other vaccination sites, that they're showing their massage license and they're getting vaccinated. So I decided I would give it a shot.

And it's very interesting to watch the moral arguments that come up with this and how many people are like, well, I don't feel I should get it before my grandmother, so I'm not going to. And while I appreciate the generosity of spirit in that, you're not helping all of your clients, and you're not helping yourself if you get sick.

MR Yeah, really. It's helping the situation overall if you -- anyone who gets vaccinated is helping. [Laughing]

AH And it's not like you can give up your place for your grandmother.

MR Yeah.

AH That's not how the system works.

MR Yeah.

AH And I -- but I know people are just so frustrated and so scared for their loved ones. And I feel that way too. I've been really trying to decide, once I get this vaccination, am I going to return to work because I haven't gone back since the holidays because Massachusetts was just such a hot mess. And getting the vaccination doesn't mean I can't get it and pass it on to a client, so -- or that I can't get it from a client and pass it on to my partner at home. So it's really -- we had this idea that the vaccinations were going to make every -- make decision-making easier, and it absolutely has not. So there's that.

Anyhow, that was a tangent that I didn't mean to go off on. I have two things I've been reading this week and both COVID-related, coincidentally. And I got -- you guys need to know Michael and I do not coordinate this beforehand.

MR [Laughing]

AH So one thing I want to make sure that everybody has been reading is Ruth Werner's "COVID Vaccine and Massage: When is it Safe to Offer Massage?" So Ruth Werner, pathology expert, has written a blog post for ABMP specifically about if someone gets the vaccination, when is it safe to massage them after that? And she's got some great points; she thinks it through; she shares that with us. The link is in the show notes. You can also just go to abmp.com and click on their blog and see that.

And also, I am including a link to a Google Doc that was written up by a -- I did not get their specific credential, but a doctor in Cambridge, and I will get that specific credential now, about getting the most from your mask. And there's a lot of discussion about masks right now because the new variants are much more contagious, and it is being suggested that better quality masks are really needed now over the homemade cloth masks. And a -- Dr. Jill Crittenden, scientific advisor, McGovern Institute for Brain Research at MIT, created a great Google Doc that kind of walks you through some masks options and gives you links of where you can buy some. And she does include a bit about the KF94 masks, which are kind of like the KN95 except these are manufactured in Korea. And they've been using them for quite a while there to great efficacy. So check out the document. You can find that in our show notes at massagebusinessblueprint.com/podcast. You can see the Podcast button. This is episode number something. I don't have our -- there it is. Episode, sorry, number --

MR 336.

AH I got a lot of tabs to switch between. Episode 336 like Michael said. So yeah. Check out that mask bit. I actually ordered some KF94s this morning, and I got -- they have this cool family kit that gives you ten adults' size masks and five kids' size masks because I got kids going to school. And I -- if cloth masks aren't going to be doing the job, I want to make sure I upgrade them as needed.

MR Yeah. Good stuff today.

AH That's -- it's a lot, man. We got a lot today. So now we need to do a sponsor spot.

MR We do. Let's show some love to Acuity.

AH Thank you for leading me into that.

Sponsor message Acuity is the scheduling assistant that makes it easy for you to run your traditional business or your virtual business. It takes care of all of the scheduling behind the scenes 24/7, so you're not going back and forth and playing email tag and phone tag and text tag trying to get clients scheduled. From the moment clients book with you, Acuity is there to automatically send confirmations with your own branding and messaging, deliver text reminders if you want that feature; it's just awesome. And you can get a special 45-day free offer when you sign up today at massagebusinessblueprint.com/acuity.

MR All right.

AH And Michael is in charge of our discussion topic today, so take it away, dude.

MR All right. I'll take it away. So today, we're going to go a little bit off the beaten path. It does relate to business a bit, and I'll get to that in a minute. But I wrote a blog post in another business, my other business, which is my financial advisory firm. And Allissa asked me to share it with our audience today as well, so I'm going to.

The article is "Ways to Guide Your Money Toward Supporting Black Lives." So I wrote this kind of in response to various current events and just wanting to do some more research on my own as well and also as an effort to kind of be a little bit -- try not to get caught up in the performative nature of trying to help and more in taking specific, kind of, quiet action that we can all take. And so I'm always wondering, like, what can I do to help fight systemic racism? And it's -- feels like a big, overwhelming challenge, obviously, to many of us. But there are some little ways that I think -- that are kind of great ideas that we can use toward guiding our money specifically. So this is kind of a money-centric article.

But the question was, how can we guide our money and our resources toward supporting black lives? And so I'm going through a few different -- kind of three different areas based on my research that are areas that we can identify as guiding our money and resources toward. So one of those areas is to seek out black-owned businesses. I kind of was curious. I was like, okay. How do I use my money to support black-owned businesses? Allissa and I are both very pro-entrepreneurship, obviously. Our whole audience is made up of massage therapists as business owners, and we're very pro business ownership. And I often wonder, well, what can I do? Obviously, I can look for businesses in my community that are black owned, but how do I know? How do I find out? And there's -- turns out there's a bunch of sites and apps that help you with that, both local and national/global.

So a couple of -- or a few of these sites and apps are here in this list. One of them is called Black Nation. It's a mobile app that allows you to search for black-owned businesses in a specific area. It's got a social aspect as well as you kind of follow others, get rewards, kind of has a gamification thing in it. Be warned: I tried to sign up for this, but I think the demand might be so high right now. There was kind of a glitch in signup, so I have not yet successfully been able to sign up for this one. So if you do get signed up, let me know. I'm going to keep trying.

The next site is WeBuyBlack. It's a marketplace designed to give you access to lots of kind of general everyday products that are offered by black-owned businesses. Some of the categories are things like jewelry, clothing and accessories; children and toys; art and collectables; health and beauty; home and living; entertainment; and holidays. So that is a site that has a -- kind of a broad range of categories for everyday household products and things like that.

Another site is called Support Black Owned. It's a national and global directory of black-owned businesses. It also includes service businesses, things like -- I've seen attorneys, law firms, CPAs, things like that. And it can be narrowed down by state as well.

Another site/app is called EatOkra. It's a -- connects -- according to their site, it connects over 150,000 users to more than 2,600 black-owned restaurants, bakeries, cafes, food trucks, bars, and wineries across the country. It's specifically for the food industry, so looking -- again, if you're for looking for restaurants, bars, cafes that are black owned, that helps you find those.

Another site called Official Black Wall Street, it's an app and a website. And it allows you to search by category and location to find black-owned businesses in a lot of different industries. And it's location based, so it will kind of pop up and notify you when you're near a black-owned business in that directory. So it's kind of nice that has that location-aware feature.

And this one -- the next one I'm going -- the last one on my list here is called the Chez Nous Guide. I think I pronounced it correctly. It's French. It's French for "our home." It's a volunteer run, inclusive, intersectional home for business, artists, and organizations owned and run by historically marginalized people and their allies. So it's dedicated to amplifying voices that have been silenced by society, including people of color, women, LGBTQI+ community, and marginalized communities that can be in this directory and connect people with businesses owned by people in that community.

Those are some -- there's more than just this list, I'm sure, but this is what I found in my research. And it was interesting to see that there are ways you can help yourself find black-owned businesses to support.

Are there any in this list that you're aware of that I missed, Allissa?

AH No. I can tell you -- I have the Wall Street app on my phone, and I used that a little bit before the holidays, and that was great. I ended up getting some really cool coffee from a coffee roaster in -- it's somewhere in the south, maybe Louisiana. I can't remember now. No, it was New Orleans. It was New Orleans. Yeah, so that is in Louisiana. That makes me happy. I got that right. And I have found -- locally, I've just done some poking around, and I've found a handful of other black-owned businesses in Massachusetts and Rhode Island that I've been patronizing. And I've found -- it was before the holidays, but I found this -- and I continue to find wonderful resources on Twitter. I follow a handful of black writers and activists and journalists and get some really great ideas in doing that. So that's -- I love your list. It was -- some of it was new to me. And yeah. There's a lot of -- if you just open your eyes a little, if you go to one of these businesses, if you go to their social media and look at who they follow and who they collaborate with, it is just an ever-expanding web.

MR Yeah. Yeah.

AH And that's what I think.

MR Cool.

AH I love this list. Thank you, Michael.

MR All right. So Part Two: The next thing is you can apply social impact investing to your overall financial plan. So you can basically apply social impact to the social investments you make. A lot of us, we have Roth IRAs, 401(k)s, although with a 401(k), it's pretty limited. You can't really have much control. So let's say your individual investments like your IRA, your Roth IRA, for example. Some people may not be aware that you can actually choose investments that align with specific values that are important to you. I'm going to preface this by saying this absolutely not a recommendation to do anything specific in a specific investment. This is not advice to do anything individual. This is just simply making you aware of these investment options.

So there are a lot more thematic mutual funds being created in recent years. And by that, I mean they are funds that align with specific values or causes in the world. And a mutual fund -- we've talked about this in previous episodes, but a mutual fund is basically an investment vehicle. It's a collection of stocks and bonds, usually stocks if you're kind of in the long-term investing phase. It's made up of a bunch of different companies, and it allows you to put money in those things. And then the compound interest from the returns of those investments help your money grow over time. So that is what a mutual fund is. An ETF is very similar. So when I say ETF, it stands for Exchange Traded Fund. Just think of it as the same thing as a mutual fund for all practical purposes. They're not the same, but generally, this is the kind of stuff we put inside our Roth IRA to help it grow. These are investments we put inside of it. So just some background there.

Thematic funds, again, are funds that align with specific values. There's a couple new ones that are brand new. They're, as of this past year -- one of them is like a month old as of the recording of this podcast. One is the NAACP Minority Empowerment ETF. Its ticker symbol is NACP. And I think this is the -- yeah, this is the nonprofit one. So it is a 501(c)(3) nonprofit organization as the parent company of the ETF, and it donates all net advisory profits to the NAACP. So it provides a funding source for the organization's mission, and the investments themselves are also made up of exposure to -- they're made up of companies with strong racial and ethnic diversity policies in place. So it's kind of two-fold. The companies making up this fund are companies that this fund has identified as having strong racial and ethnic diversity policies, and again, the net profit -- or the net proceeds from the fund itself is also donated to NAACP. So that's interesting there.

The second one that is kind of newer and is getting some attention now is the Adasina Social Justice All Cap Global ETF. The symbol is JSTC. And it tracks the Adasina Social Justice Index, which is designed to support progressive movements for change and includes a global universe of public companies whose practices are in alignment with social justice values. So those are two of the more prominent funds tuned toward investing in black communities and black businesses.

Aside from that, they're also a whole universe of funds that are somewhat thematic or maybe more well-rounded as well when it comes to social issues. Two of the fund families that are very popular are Parnassus and Calvert. So if you search for Parnassus funds and Calvert funds, you'll find these fund companies that have a series of different mutual funds that are sometimes tuned toward the environment, toward social issues. Parnassus has a really good Endeavor Fund. It's called the Endeavor Large Cap Fund. That focuses on promoting healthy and strong workplaces, empowered workplaces, specifically, which includes a lot of things but also diversity and racial diversity and justice. So those are some ways you can start to look at your investments and say, hey, do I -- are there ways that I can reallocate my investing dollars toward funds that support the values I believe in? Warning: This is kind of a rabbit trail. There's a whole bunch of mutual funds out there. There's like 10,000 mutual funds available. Within that universe, there's a smaller universe of social impact funds, and you can do a ton of research on this stuff to kind of figure out where to find these funds.

I'm going to give you a couple sites you can use, as well as a tangent, to do your own research. If you Google "invest your values," you will find a site called Invest Your Values by the organization As You Sow, and you can plug in -- you can search for funds that align with values; you can kind of pick from a menu. And the other organization is the US SIF, US S-I-F. And they will give you a list of mutual funds that align with certain values as well. So those are some ways you can kind of think about moving your investing dollars in a certain direction here to support black lives.

So Allissa, anything you would add?

AH No, man. You covered it. That was thorough.

MR I feel like I got super jargony. I'm sorry. I tried not to, but --

AH No, it's fine. You know what the thing is, is if somebody's already invested, they're going to probably have someone that helps them with them, or they're going to have understood what you said. So for me, it got a little jargony and I kind of stopped listening a little bit.

MR [Laughing]

AH But then I thought to myself, that's okay because I can email my financial advisor and ask him if he feels like any of these funds are appropriate for me.

MR Fair enough.

AH So, everybody, the inside joke there is that Michael's my financial advisor.

MR [Laughing]

AH [Laughing] Anyhow, yeah. That was really thorough. Thank you. And I think that -- I really so appreciate how you are mindful of walking the walk and not just retweeting things and thinking that that is advocacy and that that is support --

MR [Laughing]

AH [Laughing] -- because I definitely tend towards that route. But you do a good job of lighting a fire under me so that I'm actually doing a little better. And there is -- I'm very excited because there actually is a black-owned bank in Massachusetts that I can use. And I will once we get towards the -- hopefully the other side of this pandemic because it does involve me going into Boston to just set up an account one time at the branch. And I will do that and just --

MR Yeah.

AH -- I won't be getting on the train anytime soon.

MR And that's my third category. Use a black-owned --

AH Oh, sorry.

MR No, that's okay. That's okay.

AH Carry on.

MR You just steamrolled right into it, so let's go there.

AH I did.

MR [Laughing] So my third category is consider using a black-owned bank. So there are a -- I did some research on this and realized that there are a number of black-owned banks in the U.S. that you can potentially work with. So just kind of a -- the definition, according to the FDIC, a minority depository institution, or MDI for short, which is kind of the official term for a blank-owned bank is a Federal Insured Depository Institution for which either, one, 51% or more of the voting stock is owned by minority individuals, or two, a majority of the board of directors is minority, and a community that the institution serves is predominantly minority. So that's kind of the criteria. There really is a criteria for identifying a black-owned bank.

And there's a list you can get in different sites, but Investopedia has a pretty good list of black-owned banks by state. And I was actually a little bit sad to learn that Indiana -- I could not find a black-owned bank in Indiana where I live. But as Allissa mentioned, I did find one of the largest -- or actually the largest black-owned bank, which is One United, is located in Massachusetts and pretty near Boston area where Allissa can make a trek to. So that's why she was saying she may check that out.

So I did some digging here. I had a little bit of a struggle because I was like, okay, great. I'm going to switch my business account over to a black-owned bank. I couldn't do it because I don't live in a state where a black-owned bank operates. And every black-owned bank I found, their requirement was you had to have an address in that state to open an account. So there may be some limitations for some of us. But there are quite a few states that do have black-owned banks in them that are accessible to you. One United is one of the largest.

Now, I also noticed that I think with One United, personal accounts can be opened from any state. But a business account has to be inside one of those states they're in. So that was my limitation. I'm going to reconsider on a personal basis. But my goal at that point was business bank. I also reached out to a couple others, and same story. They couldn't work with me because I wasn't in that state on a business case. So from personally, you might have more flexibility. So just kind of look around. Don't give up. Try to find one that allows flexibility across state lines for personal accounts, or look for one in your area.

And then beyond that -- sorry. I'm on a tangent here, but I kind of went -- I want to share my rabbit trail I went down. I said, okay. Great. So I can't necessarily pick a black-owned bank for business. But let me look for a bank that is a B Corp, a certified B Corp, which encompasses some of those same values of diversity, sustainability, etcetera. It's also very difficult to find a B Corp bank that is national as well. I found one in Wisconsin, I think, and one somewhere else. And neither of them ever called me back. When I said, hey, I'm out of state; I'd like to open an account, they never got back to me. So I've just found that it's just plain difficult sometimes to find a bank that aligns with your values depending on location.

So that's my story and the rabbit hole I went down, but I think it's worth investigating to see if you are in a geographic area that can be served. And I like this impact a lot because you are literally putting your money in an institution that is black owned and ideally reinvests in the black community. So the -- I would encourage you to seek out a black-owned bank if possible for maybe at least one or more of your accounts and consider reaching out and seeing if it'd work for you. So that's my last section, my third area, that we can look at. Now I am done, officially.

AH Whoa, Nelly.

MR [Laughing]

AH That's a lot, man. Thank you.

MR Yeah.

AH I don't have anything to contribute because you were thorough. And also, I have no expertise or have done almost no research in this area except for following some people on Twitter.

MR Well, it's evolving. I mean, I think we're getting better. I think, as a county, we are -- I think more opportunities are being created to align your money with these values and supporting black lives. So I think we're -- I think things are getting a little bit better over time, especially with some of these new mutual funds that are being launched and some of the thematic investments I'm seeing.

AH Sweet.

MR Yeah.

AH I am -- yeah. I like that this is even happening. I feel like it's a positive step. So here's hoping. Our next sponsor, my friends, is ABMP.

MR Yay!

AH So let me tell you -- yay! Let me tell you about ABMP.

Sponsor message ABMP has CE courses that you love -- that you will love -- oh, man. I just flubbed that up, so I'm going to try this again. Hang on.

MR [Laughing]

Sponsor message CE courses you'll love are available for purchase or included for free with membership in the ABMP education center at abmp.com/ce. I'm very excited because Michael and I are chatting with the education director, and hopefully we'll be -- have another CE in the portal soon as well. You can explore hands-on techniques, complete ethics requirements, and discover trending courses like this one I love, "A Detailed Approach to Low Back Pain" from Allison Denney. All ABMP memberships include 200-plus video-based, on-demand CE classes. If you're not a member, which is ridonkulous, you can purchase access to a single course or even a CE package all at abmp.com/ce. And if you want more from ABMP, you will get more at their ABMP podcast, abmp.com/podcast, or wherever you listen to podcasts. And I know I do this every week now, but I just listened to Ruth's Werner's "I Have a Client Who…" on vertigo this morning. It was awesome. It was last week's episode, and I finally got to it today, and it's really, really good. I just -- it's 15 to 20 minutes of super practical stuff, and I just -- it's probably my favorite podcast in the world right now. So you can check all of that out at abmp.com.

MR Yay.

AH Yay.

MR All right. I think the quick tip is all you today.

AH I know. You don't have any quick tips, but you prepared a massive topic, so I'm going to let that go this time. So quick tips is just to use your browser bookmarks. If -- and this came about because we had a premium member who was like, what's the link to get into the private member community again? They had a little trouble finding it on the website, and that's okay. But my tip is that you should be using -- if you have the same computer that you use all the time or even the same mobile device, create some bookmarks.

So in my web browser, my whole top line there is bookmarks that are grouped according to category. So I have one that is all the bookmarks that are relevant to Haine's Massage, so there's a link to my scheduling software; there's a link to my charts. There's actually a link to my state statutes and regulations regarding massage therapy and a couple other little bits -- websites that I use a lot. In my Massage Business Blueprint bookmark folder, we have -- I have a link to this link here that we use for all of our podcast recording and a link to our website management and a link to -- even to our portal that we upload forms for our tax specialist to.

And I also have a personal link -- folder, pardon me. And right now, that's full of a link to the PUA platform online, so I can get my Pandemic Unemployment Assistance for the weeks that I'm not working. A link to my health insurance, a link to my personal tax portal, a link to my recipe planning website, and you get the idea. I also have a folder for the kids' school stuff because of all the remote learning. I've got links to all their Google Classrooms saved in here. I created a folder just for COVID stuff, so just for the CDC regulations about suggestions about when you can be around others if you've had COVID or suspect you had COVID. I got a link to the vaccination location page. It's really useful to use these folders to just save bookmarks to sites that you frequently visit.

And also, I try to clear my cache and my browser history often so it doesn't slow down my computer. And when you do that, of course you can't just start typing in a website and have it auto populate anymore. So this takes the fear out of clearing my cache. And yeah. Use your bookmarks folders, people. That's why it's there. Three seconds of setup to learn how to save a bookmark. And I'm not going to give you instructions on that because it's going to be different for every device and computer. But learn how to use your bookmarks and your browsers, people. That's all I got.

MR Oh, man. My bookmarks are a thing of beauty. I'm not saying -- I'm just like you; I have the folders across the top. And then when you click on one, it goes down to subfolders and subfolders within those. It's really complex. If I lost my bookmarks, I would just be sunk. [Laughing] I do back them up via Chrome Cloud, so that way they're also saved.

AH All right.

MR All right. Cool.

AH Dude, that's everything. Everyone, if you have a topic that you would like for us to cover here, you can email us at podcast@massagebusinessblueprint.com, and we will respond to you, one of us, directly. We'll respond to you and maybe use your topic for a podcast. If you want to leave us a review, we would love that as well. It helps other people find us. And you can do that wherever you listen to podcasts. Most of them have a review option.

And Michael, is that everything I want to say?

MR I think so. Take us home.

AH All right. Well, thank you, everyone, for joining us. Have a wonderful, productive, useful week. We'll hear you next week.

MR Thanks, everyone.