Goldstein on Gelt
536 episodes - English - Latest episode: 18 days ago - ★★★★★ - 30 ratingsThe Goldstein on Gelt Show is a global investment and financial planning radio show designed to educate and entertain its listeners with financial strategies and investment tips. Douglas Goldstein, CFP® hosts the weekly show, which can also be heard at www.goldsteinongelt.com, and is the director of Profile Investment Services, Ltd., www.profile-financial.com.
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Episodes
The Stress-Free Investment Method
April 11, 2024 14:30 - 10 minutes - 7.77 MBAre You Overlooking the Importance of a Financial Plan? When was the first time you spoke with a financial planner? Let me tell you about a retired couple who I met who had never spoken to a financial planner before. The couple's lack of understanding about the role of a financial planner and the way their investment portfolio was built, highlighted a common misconception among individuals when it comes to managing their finances. When sitting down with a Certified Financial Planner™ prac...
How to Overcome Family Pressure in Investing
April 04, 2024 14:30 - 9 minutes - 7.07 MBFamily pressure can be overwhelming when it comes to finances. Learn how to handle those pressures correctly, allowing you to build a financial portfolio that suits you perfectly. Here are some key points discussed in the show: 1. Understand your investments: If you find yourself investing in products you don’t fully understand, seek advice from a qualified third party, such as a financial planner. 2. Address family pressures: In the face of conflicting advice from family members, it’s...
When Real Estate Investments Turn Sour
March 28, 2024 14:30 - 7 minutes - 5.37 MBAre you considering investing in real estate? Or perhaps you already have real estate investments in your portfolio? If so, it's crucial to understand the potential risks and challenges that can arise. The following stories of two individuals who encountered unexpected scenarios with their real estate investments provide valuable insights and lessons for anyone navigating the world of real estate. The first case revolves around a client who initially appeared to be a successful real estate...
How to Invest for Growth
March 14, 2024 20:30 - 12 minutes - 8.86 MBFinancial planners frequently meet with folks who want to invest for growth. After all, who doesn’t want to see their portfolio grow? But, growth also means capital gains tax. Are there any investments that encourage portfolio growth but have limited tax liability? On today’s show, Doug answers a listener question about investing for growth. “Jeff” asks if there are investments that encourage portfolio growth, but have little tax liability. While an investment advisor, and not a tax advisor,...
Getting Ready Financially for Divorce
March 07, 2024 14:30 - 10 minutes - 7.39 MBTips for Managing Your Finances During Divorce for a Smooth Transition Divorce can be a daunting and emotional journey, one that is fraught with legal, emotional, and financial challenges. In this post, we'll explore key takeaways Douglas Goldstein discussed on The Goldstein on Gelt Show and delve deeper into essential financial considerations when navigating divorce. Seeking Professional Assistance One of the most critical pieces of advice is to seek professional help when dealing with ...
6 Strategies for Happier Investment Decisions
February 29, 2024 14:30 - 21 minutes - 15.2 MBBehavioral finance is a critical area that merges psychology with finance to understand why people make irrational financial decisions. It’s important to note that people’s emotions, cognitive errors, and biases often drive these decisions, leading to poor investment choices. Being happy while dealing with investments is crucial. Let’s examine some of the psychological aspects of investing and how they can be managed to create a better and less stressful investment experience. Psychologic...
Moving to Israel in Retirement: Financial Planning and Practical Tips for Olim
February 22, 2024 14:30 - 13 minutes - 9.17 MBDoug delves into the topic of retirement planning and financial considerations for Americans moving to Israel. He shares insights on the practical aspects of living in Israel and the financial implications of the move. Retirement is often depicted as a time of relaxation, but as Doug reveals, many retirees find themselves busier than ever, having the time of their lives. For those contemplating a move to Israel, it's essential to have a well-thought-out plan, especially in terms of financi...
Understanding RMDs: A Simple Explanation
February 15, 2024 14:30 - 9 minutes - 6.8 MBAre you approaching the age of 73 or have inherited an IRA account? If so, understanding Required Minimum Distributions (RMDs) from IRAs is crucial. In a recent episode of The Goldstein On Gelt Show, Douglas Goldstein discussed RMDs in detail and answered a listener letter regarding RMDs for inherited IRAs. Here's a summary of the key points to help you navigate RMDs and avoid potential penalties. What Are RMDs? RMDs are the IRS's way of ensuring that the funds in your IRA, which have gro...
The Journey to Expatriation
February 02, 2024 18:13 - 16 minutes - 11.4 MBIn "The Journey to Expatriation," we delve into the complex world of expatriation, featuring the real-life journey of a couple navigating the process of giving up U.S. citizenship. Join Doug as he uncovers the emotional, legal, and financial considerations behind this significant decision. Discover how this life-altering choice impacts estate planning, tax implications, and even charitable giving from an IRA. If you've ever wondered about the intricacies of expatriation, this episode is ...
Don't be a DIYer: U.S. Cross-Border Investments in Israel
January 31, 2024 14:30 - 9 minutes - 6.8 MBTaking Control of Your Finances or Partnering Up With Experts? A Critical Decision for U.S. Expats Living in Israel! Are you a DIY investor? Curious about the benefits of working with a financial advisor? Join Doug as he discusses the pros and cons of managing your own portfolio versus seeking professional guidance. Discover the importance of expertise, personalized strategies, portfolio diversification, and ongoing support from a financial advisor. Find out why more DIYers are turnin...
Tax Planning Tips for Americans Living in Israel | Reduce Tax Liabilities and Maximize Savings!
January 25, 2024 14:30 - 17 minutes - 12.4 MBYosefa Uber, an expert accountant specializing in American taxes for residents of Israel, sits down with Doug to go over: Qualified Charitable Distributions (QCDs) allow you to donate money from your IRA directly to charity tax-free instead of taking required minimum distributions To qualify, the money must go directly from your IRA to the 501(c)(3) charity - You can donate up to $100,000 per year per individual this way Benefits: Helps you meet your required minimum distribution with...
Being a Good Steward of Family Wealth
January 18, 2024 14:30 - 6 minutes - 4.8 MBDoug discusses what it means to be a good steward of family wealth and how to pass on your financial legacy to future generations. He provides advice for teaching children financial responsibility from a young age and bringing adult children into important financial discussions. Key points: The importance of passing on not just money, but also financial values and responsibility to heirs Pitfalls of relying solely on professional trustees to manage family money long-term Even a perfect...
Are You in Danger of Getting Dropped by Your U.S. Investment Advisor?
January 11, 2024 14:30 - 6 minutes - 4.52 MBAre you an American living abroad, specifically in Israel, facing difficulties with US brokerage firms terminating your accounts? Join Doug Goldstein, licensed in both the US and Israel, as he sheds light on this ongoing issue and provides expert advice. Discover why compliance with international regulations poses challenges for these firms, leading to account closures. But fret not! Goldstein recommends specialized companies like Profile Investments to help address your financial need...
One Common Myth About Receiving a Cross-Border U.S. Inheritance While Living in Israel
January 04, 2024 14:30 - 7 minutes - 5.04 MBDoug discusses the myth that it is illegal for people who move to Israel or inherit money from the U.S. to keep their investments in American accounts. He explains why this myth exists and how it can actually be beneficial to maintain U.S. investments after making Aliyah or receiving an inheritance. A few key points: It is absolutely legal for Israelis to keep money and investments in U.S. accounts like brokerage, bank, IRA, etc. Some big U.S. firms ask Israeli clients to leave due to bu...
Year End Financial Planning Tips
December 28, 2023 14:30 - 5 minutes - 4.04 MBFinancial advisors and investment professionals, As we bid goodbye to 2023, let's take a moment to reflect on the state of our portfolios and plan for the new financial year. 📌 Year-End Portfolio Snapshot Understanding the precise value of your portfolios is essential. An approximate ballpark isn't adequate. Need clarity? Look it up. Update any impending changes that can affect your investments, such as income alterations, revised gifting plans or fluctuating portfolio values. 💡 Why It...
How to Play Nice with the IRS When Transferring Money Overseas
November 30, 2023 14:30 - 12 minutes - 9.01 MBLiving in Israel with U.S. investment accounts? Be careful when transferring money overseas! In this insightful recording, Doug Goldstein, CFP®, GFP®, founder of Profile Investment Services, Ltd., unveils essential tips and best practices for successful cross-border investing. From working with reputable financial institutions to maintaining meticulous records, he shares expert advice on navigating the complexities of transferring money overseas. Key pointers from the show: Make sure to ...
Managing Sequence of Returns Risk
November 25, 2023 23:43 - 9 minutes - 6.96 MBIn the world of investing, it's not just about the highs but managing the lows, especially when approaching retirement. Here's why discussing sequence of returns risk is crucial: - 📉 **Volatility Management**: Buying high and selling low is a surefire path to investment failure. It’s important to understand the importance of timing in the withdrawal phase. - 🏦 **Portfolio Diversification**: Balancing your investments with bank deposits, cash, and bonds can help mitigate risks during mar...
Investing with Purpose: Understanding the ‘Why’ for Financial Success
November 23, 2023 14:30 - 12 minutes - 8.48 MBThe biggest mistake many investors make is focusing solely on returns without considering why they are investing in the first place. In this insightful recording, Doug shares valuable insights on the importance of understanding the ‘why’ behind your investments. By identifying your financial goals and motivations, you can align your investment strategy to achieve meaningful results. Discover how purpose-driven investing can: Foster family connections Support charitable causes Leave ...
Don’t Get Undercut by Sequence of Returns Risk in Retirement
November 16, 2023 14:30 - 7 minutes - 5.23 MBIn this insightful recording, Doug sheds light on the critical concept of ‘Sequence of Returns Risk’ and its impact on retirement planning. Discover why timing is everything when it comes to investment returns, especially during the crucial early years of retirement. Doug provides expert advice on diversifying your portfolio and shares valuable tips on safeguarding your wealth by allocating a portion of your investments towards more conservative, more liquid assets such as cash, bonds, an...
Shabbat Everyday
November 09, 2023 14:30 - 16 minutes - 11.4 MBDoug Goldstein is diving into a topic that has been bothering him lately—unrealistic expectations in financial goals. Instead of focusing on sound investment strategies and long-term planning, people are consumed by the desire for quick and massive returns. But is that really the right approach? In this episode, Doug delves into why setting realistic goals is crucial for financial success and how chasing high returns can lead to unnecessary risk. He also shares insights from a recent ne...
Access Your Money: Lessons from a Five-Year Inheritance Battle
November 02, 2023 14:30 - 14 minutes - 10.5 MBHow can a lack of estate planning and clear instructions regarding asset distribution lead to family disputes and disagreements? Welcome to another episode of The Goldstein On Gelt Show, where we delve into the world of finance, estate planning, and everything in between. In today's episode, titled "Access Your Money: Lessons from a 5-Year Inheritance Battle," Doug shares a cautionary tale of an individual who faced a frustrating and lengthy ordeal to inherit his mother's assets. Topics ...
Why Working with a Cross-Border Advisor is Crucial for Olim with US Investments
October 26, 2023 14:30 - 14 minutes - 10 MBWhat are some specific challenges that Americans living in Israel face when it comes to managing their US investments? How can a cross-border investment advisor assist in addressing these challenges? Doug addresses the importance of understanding what your advisor truly understands about you when it comes to your finances: Why, as a cross-border financial planner, working with an advisor who understands both your situation in Israel and your investments in the United States is crucial. T...
Over-Concentration: The Silent Threat to Your Retirement Portfolio
September 28, 2023 14:30 - 10 minutes - 7.65 MBHow do you think Bill Gates' financial advisor would have advised him regarding the concentration of his wealth in Microsoft stock? Welcome to another episode of The Goldstein On Gelt Show with your host, Douglas Goldstein. In this episode, Doug dives into the topic of over-concentration in investment portfolios. He discusses: The risks and little benefits associated with being heavily invested in one or two positions The importance of diversification and the potential consequences of ne...
Vacation is a Value Decision
September 21, 2023 14:30 - 9 minutes - 6.54 MBWhen you choose to go on vacation, you're prioritizing experiences over money in the bank or investments. It's a value decision. But that doesn't mean you shouldn’t invest in experiences with your family or put all your money in the stock market! Let's talk specific goals and why you should always start with why. Join host Douglas Goldstein as he shares important financial insights he uncovered during his recent family vacation. When planning a vacation, we often make value decisions, pri...
It’s All Decided on Rosh Hashana
September 14, 2023 14:30 - 10 minutes - 7.06 MBIn what ways does Rosh Hashana impact our financial situations for the coming year? Doug explores the connection between Rosh Hashana and your financial future. Discover how the decisions made on this auspicious day can impact your investments and money matters for the entire year. You’ll uncover the fascinating concept of predetermined finances and learn how your choices can shape your financial destiny. Doug also shares insights on the importance of giving back, with a special emphasi...
5 Tips for Business Management
September 07, 2023 14:30 - 12 minutes - 8.78 MBAre you an entrepreneur looking to run a thriving business in Israel? 🇮🇱 Then you don’t want to miss this episode of The Goldstein On Gelt Show with host Douglas Goldstein. In this episode, Doug shares his top 5 tips for business management in Israel that will take your company to the next level. From the importance of networking and building connections to navigating the complex world of taxes, Doug dives deep into the key strategies every business owner needs to know. Plus, discover: T...
Why You Need an American CPA Even if You Live in Israel
August 24, 2023 20:30 - 22 minutes - 15.3 MBAmericans living abroad still need to pay U.S. taxes, so if you are an oleh, it might be a good idea to find an American CPA in Israel. Why would an American CPA in Israel be better than hiring an American CPA who sits in America? Yosefa Huber, an American CPA in Israel answers this very question. She helps American citizens living in Israel stay compliant with U.S. tax laws. Yosefa explains why American citizens, even those living abroad, aren’t exempt from filing a U.S. tax return. She als...
What You Need to Do After You Inherit an IRA
August 10, 2023 20:30 - 15 minutes - 10.5 MBHave you recently received an inheritance? Did you inherit a brokerage account, an IRA, a bank account, real estate, or property in Israel? Receiving an inheritance can be complicated. Each type of asset has its own way of being passed onto the heir. Inheriting an IRA is different than inheriting other assets, and in order to maintain the tax-beneficial status the paperwork needs to be done in a specific manner. Download the free resource, “What You Need to Do After You Inherit an IRA”...
Why You Should Care About the Global Economy
July 20, 2023 20:30 - 18 minutes - 12.5 MBIs investing in the global economy really that important? Andrew Vonnegut, author of Inside the Global Economy: A Practical Guide, is an expert in global economics. He explains why global economics should matter to individual investors. Events like wars and market crashes affect every corner of the world. How can investors best prepare for the ripple effect to reach their portfolio? Andrew gives practical advice on how to pick investments in an ever-changing global economy. If you ever wonde...
Can You Predict a Stock Market Bubble?
July 13, 2023 20:30 - 20 minutes - 14.4 MBStock market bubbles have a way of putting the financial world into on edge as they try to attempt to predict when it will burst. Is there a way to predict a bubble? Bubbles transform entire industries including the technology bubble of the 1920s and the 1990s transformed entire industries. Are we on a cusp of another bubble? William Goetzmann, a Professor of Finance at the Yale School of Management, researches the phenomenon of market bubbles. He explains the characteristics of a bubble and...
Do Shareholders Have a Voice in the Company?
June 29, 2023 20:30 - 23 minutes - 15.8 MBIs the corporate world an ‘insiders only’ club, or do ordinary shareholders have a real say in the company? Learn how shareholder activism may be changing the face of corporate America. Jeff Gramm, a portfolio manager at Bandera Partners, adjunct professor at Columbia Business School, and author, discusses what shareholder activism means for companies in the long run. Jeff gives examples of how shareholders can make significant changes to a company’s board of directors. How shareholders can ...
The Optimism of a Millennial Economy
June 15, 2023 20:30 - 23 minutes - 16.5 MBWelcome Generation Y! The United States is in the middle of a millennial economy thanks to the largest population boom after the baby boomer generation. What does this millennial economy mean for investors? Our guest, Ken Gronbach, author and demographer, has a very optimistic opinion. Ken, a human capital analytics expert, explains why demographics define an economy. What’s the most important thing for any business to succeed? Quality people! Listen to learn why Ken has high hopes for the A...
What is in Your “Very Safe” portfolio?
June 01, 2023 14:30 - 8 minutes - 5.76 MBIf you are like many of my clients, you might not want to take too many risks with investing your money. If you want a “very safe” portfolio, what does this actually look like? Recently, I spoke with a woman who thought she had a “very safe” portfolio… I was shocked to review her statement and saw she was heavily invested in stocks. Typically, investors who want a “very safe” portfolio should NOT be invested in the stock market, but should choose bank deposits for their money. The power o...
Financial Time Travel: How Your “Future Self” Can Help You Make Better Financial Decisions Today
May 18, 2023 20:30 - 20 minutes - 14.6 MBWhen making a decision, do you take ALL facts into account – including your “future self?” When most people make a decision it’s hard for them to see the impact of their decision on their “future self” – but this is a critical piece of information to take into account. Professor Hal Hershfield, Associate Professor Marketing and Behavioral Decision Making at UCLA Anderson School of Management, breaks down the reasons why people make poor financial decisions. As a behavioral decision making sp...
Why Anti-Money-Laundering Rules are Making International Investing Harder
May 04, 2023 20:30 - 22 minutes - 15.5 MBAnti-money-laundering rules have become stricter since 9/11, in order to stop terrorism at the financial level. How does AML (anti-money-laundering) legislation affect international investors? David Kuenzi, a certified financial planner with Thun Financial, explains why AML legislation has made opening an American brokerage account from overseas difficult. David clarifies how the Patriot Act has changed the way financial institutions do business with American citizens residing in foreign cou...
How to Start Financial Communication
April 20, 2023 20:30 - 14 minutes - 10.4 MBHow can couples have better financial communication? Doug defines six ways spouses can keep the lines of communication open. Whether it is discussing money in a certain way or scheduling a meeting with your spouse, Doug’s free resource How to Talk to Your Spouse When You’re Careful with Money and He’s a Spender will keep all of your financial conversations on track. Download free resource: How to Talk to Your Spouse When You’re Careful with Money and He’s a Spender Are your U.S. tax return...
How Millennials Can Get a Grip on Their Finances
March 30, 2023 20:30 - 23 minutes - 16.2 MBWhy are many millennials broke? Is there negative cash flow due to circumstances beyond their control or poor money management? Erin Lowry ,author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together, is an American expatriate with an unusual financial perspective. Erin’s international experience made her view the millennial generation through a different lens. Are you guilty of the observations she makes of the broke millennials generation? Learn how millennials can ma...
How Stock Pickers Research Stocks
March 23, 2023 20:30 - 21 minutes - 14.8 MBProfessional stock researchers can serve as stock pickers for investors who don’t know where to start. Is it better to pick your own stocks or to use a professional stock picker? Tao Wang, a portfolio manager for Alpha Architect, explains how to begin researching stocks. He outlines the differences between value, growth, and momentum stocks. He also emphasizes the importance of having multiple qualifiers when choosing a stock. If you are lost on how to start to build your portfolio, listen t...
Does Debt Actually Have Value?
March 09, 2023 21:30 - 22 minutes - 15.8 MBConventional wisdom says that if you want to be in good financial standing, you need to be debt free. However, is all debt bad? If you take into consideration tax breaks and liquidity, can debt be considered financially sound? Tom Anderson, CEO of Supernova Companies and author of The Value of Debt: How to Manage Both Sides of a Balance Sheet to Maximize Wealth, shares his financial philosophy which revolves around balance. Tom argues that debt may have long-term financial gain because debt ...
How to Use Leverage to Increase Your Portfolio Returns
February 23, 2023 14:30 - 17 minutes - 12 MBWant to increase the potential profit on your investment portfolio? What would happen if you could use disproportionate strength to increase your portfolio’s profits? Then you would be using a strategy called “leverage” or “margin.” In today’s show, Doug, and his son Efraim, talk about the pros and cons of investing using a leveraged strategy. When an investor decides to invest on margin, he is actually borrowing money from his broker in order to have a larger sum of money to invest. Tha...
Four Topics People Don’t Like to Talk About (but I will)
February 09, 2023 14:30 - 12 minutes - 8.8 MBPeople hate talking about debt, disability, death, and divorce. And that’s exactly why we need to have a discussion about these four topics. In today’s show, Doug and his son, Efraim, discuss these difficult subjects. Debt When people acquire a large debt, and then suddenly get a large sum of money (inheritance or a raise), should they invest the money or pay off their debt? Listen to learn why paying off all your “bad” debt may be a better move than investing in the stock market.. Dis...
The 6-Step Checklist Every Investor Needs to Use
January 26, 2023 14:30 - 17 minutes - 11.7 MBInvesting is more than just throwing money in the stock market. If everyone’s goal was to grow their portfolio, then shouldn’t everyone do the same thing? In this week’s show, Doug and his son Efraim, go through the 6-step checklist that every investor needs to use. Listen to understand why it’s so important to have a goals that match your values and beliefs before you put money in the market. The 6-Step Checklist to Investing √ Set goals for you and your family √ Get the facts about...
Exploring the Pros & Cons of Investing in Green Energy Sources
January 12, 2023 14:30 - 20 minutes - 14 MBThere’s lots of talk about how alternative energy sources are good for the environment, but how does green energy affect the financial markets? Listen to Doug’s discussion with Arie Addi, the tech lead at Mada Analytics, an Israeli startup, supporting alternative energy solutions using a Machine Learning approach. Discover how green energy and fossil fuels have a growing influence on financial markets. If you want to invest in renewable energy, what is the best way? Should you invest ...
What are Alternative Investments?
December 22, 2022 14:30 - 20 minutes - 14.1 MBNearly everyone has heard of stocks and bonds, but sometimes investors feel that they could profit more from alternative investments. This week Doug chats with Stefan von Imhof, co-founder of Alts.co, about alternative investments. Stefan believes that alternative investments are a powerful way to grow your money, compared to other investment classes. Learn about active quick flips, passive buy & holds, and cashflow-producing assets. Listen to the show to learn about investments that are...
Are You as Disorganized as the Guy Who Lost $280K?
December 15, 2022 14:30 - 10 minutes - 6.96 MBDoug discusses his recent meeting with someone who received an inheritance. Not only did the guy receive significant funds, but the inheritance included financial disorganization. The father’s investments were scattered in different companies, private equities, and over 20 physical stock certificates. His investment portfolio was not only big, but a big mess! Both generations’ disorganization caused the inheritor to lose huge sums of money. Listen to find out the 5 things you must do to ...
The Best Way for Busy Investors to Track the Markets
December 01, 2022 14:30 - 11 minutes - 7.92 MBListen to this important episode where I discuss the best way for busy investors (like you) to track the markets. Focus on five critical points that need your attention: Focus on interest rates and inflation Review market trends Examine your specific investments Turn to your advisors Review your overall plan Look at how great investors are managing their money in good and bad market by tuning into this episode. These can be the most important few minutes of your day. For more ...
Use Your Real Address for Your U.S. Investment Account When You Live Overseas
November 23, 2022 11:55 - 13 minutes - 9.25 MBMajor American brokerage firms are closing accounts of clients who don’t have U.S. addresses. They are also closing accounts of clients who use American addresses but don’t live stateside. If you’re like many of the people who’ve recently called my office, you’re probably curious how the firm knew there’s a discrepancy on the account address and where you actually lives? Your IP address (the computer address where you login to access your accounts) may be giving you away. Before bending ov...
Are You Prepared for a Market Crash?
October 20, 2022 20:30 - 23 minutes - 17.2 MBIf there was a market crash what would happen with your investments? Doug discusses the emotional turmoil and the possibility of real monetary loss in the event of a market crash. Some investors just can’t take the uncertainty of the stock market. But since market crashes are a likelihood that must be taken into, if you can’t tolerate risk, consider more conservative investments. For those who can’t imagine weathering a market crash, Doug suggests some safer options for investing your money....
Align Your Spending Habits and Investments with Your Values
October 06, 2022 20:30 - 21 minutes - 14.9 MBDo your spending habits and investments align with your values? In other words, what do want your money to do for you? Do your habits, practices, and investments reflect that? Sarah Li-Cain, a financial storyteller for High Fiving Dollars explains the importance of knowing what you value as an investor. Sarah and Doug discuss how to identify your values and how to be mindful about what you do with your money. If your spending habits and investments don’t help you meet your goals, then a re...
4 Things That Can Derail Your Financial Decisions
September 22, 2022 20:30 - 23 minutes - 11 MBEmotions are important part of being human, but leave them out of your financial decisions! Behavioral finance expert, and The New York Times best-selling author Dr. Daniel Crosby explains four issues that can derail your financial decisions. Instead of making decisions based on feelings and instinct, learn how to implement a more reliable system. Should you turn your behavior on its head and integrate the good, bad and ugly of emotional bias in your decision making? Do investors fail becaus...