Goldstein on Gelt
538 episodes - English - Latest episode: 13 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
Wells Fargo Ending Relationship with Overseas Clients
August 05, 2021 14:00 - 9 minutes - 6.06 MBWells Fargo announced they are going to end their relationship with their overseas clients and close those accounts just because the address on the account is not in America. Does Wells Fargo’s move leave you and your investments out in the cold? If you received a letter from Wells Fargo (or any other American brokerage firm) informing you that you must move your account elsewhere, don’t panic. There is a simple solution. How Profile Can Help You With over 25 years of experience with cr...
5 Signs a Widow is Going Broke
July 29, 2021 20:30 - 15 minutes - 11.2 MBOne of the biggest problems facing a widow (other than the devastating loss of their spouse) is the fear of going broke. Losing your life’s partner is a very emotional time. Many times a widow is faced with decisions she has never had to consider before, including financial decisions. If you are close to a widow, would you know if she were having financial problems or if she was facing the possibility of going broke? Doug created a list of signs that might possibly indicate a widow (or a...
The Easy Way to Reliably Handle Your American Investments from Overseas
July 15, 2021 14:30 - 15 minutes - 9.21 MBA question that I’m asked frequently these days is “how do I handle my American investments from overseas if my current American brokerage firm wants to close my account?” It’s common for me to get inquiries from people who received letters about their accounts being closed/frozen. Happily, I can help them. While many American firms are dismissing clients with foreign addresses, we welcome the strengthening of international relationships. We custody our clients’ accounts at Pershing, LLC....
The Surefire Way to Stop Inflation from Decimating Your Investments
July 08, 2021 14:30 - 18 minutes - 10.5 MBClimbing prices are bad for consumers and investors. What is the best way to stop inflation from eating away at the real value of your investments? While most consumers view higher prices and inflation as a bad thing, the stock market frequently rises during periods of high inflation. This means your stock prices and dividends may increase. How to stop inflation from eroding your purchasing power? When prices rise, the Consumer Price Index (CPI) also rises. It may be prudent to buy TIPS ...
Proven Tips for Managing an IRA or 401K
July 01, 2021 14:30 - 14 minutes - 8.54 MBManaging retirement funds doesn’t need to be confusing or overwhelming. Rolling over a 401K into an IRA (individual retirement account) frequently makes it easier for the client. I am often asked for tips on what investments should be inside of an IRA account. Here’s what I tell folks: Depending on your situation, you can have stocks, bonds, ETFS, mutual funds in the account High-dividend positions may be tax advantageous Tax-deferred growth is a positive… unless your stock drops in v...
Are There Ways to Avoid Estate Tax?
June 24, 2021 14:30 - 18 minutes - 21.2 MBIf you are a non-resident alien of the U.S. (meaning you do not live there and you do not have citizenship) and own investments or assets in America, your American assets may be subject to inheritance tax. With the help of smart tax advisors, many people have found some great solutions. Ron Zalben, The Goldstein on Gelt Show’s tax tip expert, discusses how a non-resident alien can choose investments to side-step this costly tax. Ron, a partner with Aboulafa Avital Shrensky & Company, speci...
How to Achieve Financial Success
June 17, 2021 20:30 - 12 minutes - 7.2 MBWhat does financial success look like? There isn’t a formula for financial success, but there are steps you can take to achieve financial stability. The step are your “financial plan” – and everyone’s financial plan looks different. Doug explains how a financial advisor should guide you towards success through a deep understanding of your financial position. Dealing with American financial advisors when you live abroad Why would a U.S. financial advisor limit his interactions with a clie...
How Monte Carlo Simulations Help in Financial Planning
June 10, 2021 20:30 - 13 minutes - 7.95 MBMonte Carlo simulations take a huge amount of data and possible variables and let you know the chance of a specific outcome. Financial planners use Monte Carlo simulations to look at all sources of cash flow, income from investments, possible market scenarios and predict whether you’ll “make it” in retirement. Watch a short video about Monte Carlo simulations. While Monte Carlo simulations are a starting point to financial planning, Doug’s interview with Dr. Harry Markowitz titled Can Modern...
Why FBAR Reports are Important
May 27, 2021 20:30 - 24 minutes - 14 MBAre you up to date with your FBAR (Reports of Foreign Bank and Financial Accounts)? If not, a cross-border financial advisor might be able to help you get things straightened out. Eli Noff is a U.S. based cross-border CPA and tax attorney who helps American citizens living abroad be U.S. tax compliant. Specifically, Eli outlines how FBAR reports are a determining factor in tax compliance. He explains who uses the information on the report, and how it is used. Eli highlights the penalties tha...
8 Steps to Raising Financially Independent Children
May 20, 2021 20:30 - 15 minutes - 17.5 MBHow can you prepare and encourage your children to develop their own financial identity? Parents don’t necessarily have a financial obligation to their grown-up children, but situations can arise where they may want to help their children. There’s a fine line between helping and enabling financially bad behavior. How do you define that line? Listen to the show for the answer, or download the free resource 8 Steps to Raising Financially Independent Children. Download free resource: 8 Steps to...
Life Insurance: Whole life and term life
May 13, 2021 14:30 - 7 minutes - 4.67 MBWhat is the difference between term and whole life insurance? Term life insurance is pure insurance; you pay the insurance company a premium, and if you die within the predetermined period, then they’ll pay your heirs/estate a lump sum of money. Whole life insurance has a cash component – part of your premium goes into a savings account which you can access if you ever are short of cash. The rest of your premium goes to buy the life insurance itself. Since the entire premium doesn’t go ...
What You Should Do With Your Money Before You Divorce
May 06, 2021 20:30 - 22 minutes - 25.6 MBHow can you financially prepare for a divorce? Lili Vasileff, founder of the financial firm Divorce and Money Matters, helps people prepare for their financial future after a divorce. Doug and Lili discuss the common conflicts couples have regarding money before divorce is even mentioned. Lili shares advice that makes financial communication easier and takes some of the dread out of financial planning. Lili offers a financial process someone should follow if they are getting a divorce from t...
If You Believe the Market Will Crash, Should You Own Inverse ETFs or Sell Your Stocks?
April 29, 2021 14:30 - 23 minutes - 16.1 MBExchange Traded Funds (ETFs) provide a different way to trade stock. But it’s not simply another way. ETFs open themselves to multiple strategies. First of all, Doug discusses the fact that ETF tend to mirror a benchmark. But why not aim to outperform the benchmark? Then, the discussion extends to discuss some tax saving strategies you could implement using ETFs. (Remember, I never give specific tax advise, but just discuss investment strategies) And how about inverse ETFs? Why should so...
Diversify Your Portfolio with Mutual Funds
April 22, 2021 14:30 - 19 minutes - 13.4 MBMutual funds are frequently used by investors as a way to diversify their portfolio, and thereby minimize investment risk. One of the popular types of mutual funds is index funds. How are they traded, and who arranges the list of stocks in the index? What is the difference between active funds and passive funds? Is one more aggressive than the other? Should you “feed your fund?” And, if you want to invest for the long term, are value or growth mutual funds better? Listen to get the answ...
What Is the Best Asset Allocation for Your Investment Portfolio?
April 01, 2021 20:30 - 19 minutes - 13.2 MBInvestors are continually bombarded with rules of thumb as to the best asset allocation. However, determining an asset allocation is not a simple formula. Tom Jacobs, money manager for Huckleberry Capital Management, doesn’t believe in the old-fashioned asset allocation rules. He underlines unrealistic expectations of investment strategies and explores some of the industry rules that have created those expectations. Tom shares his own philosophy about money and encourages listeners to take a...
What Does a Global Savings Glut Mean for You?
March 25, 2021 20:30 - 19 minutes - 13.3 MBA global savings glut occurs when investors drive down interest rates. Is this trend coming to an end, meaning interest rates will climb? Do higher interest rates bring inflation? Today’s guest, Will Denyer, an economist at the financial research company Gavekal, explains how the global savings glut impacts inflation… and your pocketbook. What would you do if the market was flat? Generally, the markets are volatile, and smart investors try to mitigate risk by diversifying their assets. Asset...
Does Receiving Stock Dividends Mitigate the Risk of Investing in Stocks?
March 18, 2021 15:30 - 20 minutes - 14.2 MBDoes receiving stock dividends eliminate or mitigate the risk of investing in stocks? Why would an investor choose stocks without dividends? Ben Reynolds, founder of Sure Dividend, provides guidelines for investors who are looking for stocks which pay high-quality dividends. He explains what a dividend is and how investors can use dividends to their advantage. However, dividends also have disadvantages. Ben acknowledges these disadvantages and outlines why companies may stop paying dividends...
The Right Way to Spend Money
March 11, 2021 15:30 - 20 minutes - 13.9 MBThere is a right way to spend money. How do you know if you’re spending your money the right way? Jonathan Clements, founder of Humble Dollar and author How to Think About Money, says money can buy happiness. He explains why it may seem as if you don’t have enough money and what you can do about it. Jonathan also believes in the idea of “Buckets of Happiness,” and explains how people should invest and spend their money. Investing doesn’t have to be hard Doug has four steps to make invest...
The Common Path to Uncommon Success
March 04, 2021 14:30 - 20 minutes - 13.9 MBIs there a common character trait that successful entrepreneurs share? John Lee Dumas, host of the Entrepreneur on Fire podcast, returns to the Goldstein on Gelt Show to talk about what it takes to start a successful business. John’s insight after speaking with thousands of entrepreneurs can help you with the decision to start your own business or continue working for someone else’s company. Is there a correlation between the skills involved in entrepreneurship and the skills a success...
Women Can Become Great Investors with 5 Life-Changing Rules
February 25, 2021 15:30 - 19 minutes - 13.5 MBWhy is there a stereotype that women aren’t as good as money as men? Today’s episode blasts the misconceptions and myths tied to the world of investing. Anyone, even you, can become a powerhouse investor. Just follow these 5 life-changing rules… Alice Finn, CEO of Powerhouse Assets and author of Smart Women Love Money: 5 Simple, Life-Changing Rules of Investing, shares her passion for helping women see their potential in the world of finance. She talks about why women tend to shy away from f...
Can an Ordinary Person Really Become a Millionaire?
February 18, 2021 15:30 - 20 minutes - 14.4 MBWhat does it take to become a millionaire? What financial choices do you have to make to get on the millionaire track? Joe Saul Sehy, host of the award-winning podcast Stacking Benjamins, frequently works with millionaires and has learned some of their some secrets to success along the way. Joe breaks down common misconceptions about millionaires and shares insights as to how they earn their wealth. What differentiates a millionaire from every other investor? What financial systems can put y...
Need Help With Your Cash Flow?
February 11, 2021 15:30 - 21 minutes - 15.1 MBRunning a business presents challenges, not least of which is cash flow. Cash flow is a problem for many people, but businesses have their own issues. How can business owners make the most of their cash flow? Barbara Weltman, attorney and business writer, explains what cash flow is and how to change the way you use it. She outlines some tools and strategies that make cash flow management simpler. Barbara knows a lot about taxes and the nature of businesses. Tune in to learn more about cash f...
Americans in Israel: Watch Out for PFICs
February 04, 2021 15:30 - 20 minutes - 13.9 MBInvestors used to be able to buy PFICs (passive foreign investment corporations) investments without a lot of trouble. So what changed? Yosefa Huber, CPA, helps U.S. citizens living abroad sort out tax issues regarding their U.S. investments. Doug and Yosefa discuss why PFICs cause so much trouble to investors and their accountants. Learn what a PFIC is, and then take a look at your investment portfolio to see if you inadvertently own one. Should you try to retire early and enjoy life? D...
Which Is Easier to Build: a Family Business or a Family Culture?
January 28, 2021 15:30 - 20 minutes - 9.42 MBMany successful family businesses also have a strong family culture. How are the two related, and how do you shape your family culture? Mitzi Perdue grew up in one family business and married into another. Mitzi shares how her father, founder of Sheraton Hotel, created a strong foundation for his family and encouraged a positive family culture, and how she and her husband, Frank (think chicken!) built their own family culture. She discusses both business and how to become a better family uni...
Do You Know Your Retirement Income?
January 21, 2021 15:30 - 24 minutes - 16.7 MBDo you know what your retirement income needs are? How much will it cost you to live during retirement? There is no one magic answer as your retirement income should be determined by your personal needs. David Trahair, CPA and financial writer, concurs that retirement is a personal case-by-case situation. He advises how to calculate your retirement goal based on your own personal situation, a one-size fits all approach to retirement planning is useless. David explains how listeners could loo...
How Education Can Affect Your Investment Decisions
January 14, 2021 21:30 - 24 minutes - 16.9 MBIs a basic education enough to make informed investment decisions, or do folks with higher education tend to make better Investment decisions? Nobel Prize winner and Brown University Professor J. Michael Kosterlitz reflects on how education is the key to making positive change in all aspects of life… including finances. Listen to learn how researching superfluidity generated a new understanding of physics, and more importantly, how to perfect your own individual thought process. Professor Ko...
Does Evidence-Based Investing Yield Positive Results?
January 07, 2021 21:30 - 23 minutes - 16.1 MBThere is more than one way to skin a cat, and there are multiple investment strategies you can apply to your savings. But how do you know which strategy can produce the best results for you? Today’s guest, Yariv Haim, founder and CEO of Sparrows Capital, delves into two of his favorite investing strategies: evidence-based investing and contrarian investing. Yariv defines these strategies and explains why they are effective. Should you let the facts speak for themselves, or should you rely on...
How Cross-Border Investors Can Manage Their Money Better
December 31, 2020 21:30 - 22 minutes - 15.5 MBIf you are one of the millions of people who live outside of America and have an American brokerage account, you are a cross-border investor. Despite the scale of cross-border investing, many Americans living abroad find their American brokerage firms asking them to close their investment accounts because they have a foreign address. Fortunately, there are financial institutions dedicated to help cross-border investors. David Kuenzi is the founder of Thun Financial Advisors, an American brok...
Should You Worry About Currency Devaluation?
December 24, 2020 15:30 - 24 minutes - 11.4 MBHow much is your money really worth? Currency devaluation means that as the value of a currency decreases, the buying power of money decreases too. So, how do you protect your investments from devaluation, inflation and other economic crises? Ari Pine is a financial trader who has a deep interest in macroeconomics. We discuss the possibility of a global inflation and how governments get themselves in and out of difficult financial situations. Ari explains the difference between a financial b...
Are Your Family Financials a Secret?
December 17, 2020 14:30 - 19 minutes - 13.5 MBDoes your family’s primary financial caregiver hold their cards close to their chest? Maybe the following story sounds familiar about a parent keeping your family financials a secret: Dan has always handled the family’s money. He organized the budgets, took care of the investments, and maybe even set up investment portfolios for the now-adult children. While he had a lot of work to do, he understood it all, and wanted to save everyone else in the family the burden of financial organizati...
Does Your Financial Plan Account for the Four Ds?
December 10, 2020 15:30 - 24 minutes - 17.1 MBMake sure your financial plan accounts for what you don’t want to happen A good financial plan takes into account the 4 Ds (death, disability, divorce, debt) and plans around them. Doug and John Ross, estate planner and elder law attorney, stress the importance of planning for the unexpected. John is a co-host of the weekly podcast Big Picture Retirement. He shares some insights on what many people fail to do when preparing for retirement and old age. Chief among these failures is not choosi...
Why do Men and Women Approach Financial Planning Differently?
December 03, 2020 15:30 - 22 minutes - 15.8 MBWant to guess who normally initiates a financial planning meeting – men or women? Doug and Brittney Castro, founder and CEO of Financially Wise Women, discuss differences in how men and women approach financial planning and investing. What do these two CFPs ® (Certified Financial Planners) notice about the gender differences in investing? Brittney delves into the common problems women face when making financial decisions. She shares how women can overcome these issues and create a more s...
Do Your Financial Values Define Who You Are?
November 26, 2020 22:30 - 24 minutes - 17 MBDo your financial values guide your investment decisions? Financial values are the things that are important to you: the goals you have for your money. Before any investment or purchase, ask yourself, “What do I value?” Certified financial planner Michael F. Kay explains how a person’s background affects their financial choices. He asserts that our parents are our first models of fiscal behavior. We can rise above the nature vs. nurture debate, and not blindly follow the path of a fiscally p...
What Is the Best Way to Design an Investment Portfolio in a Turbulent Environment?
November 19, 2020 22:30 - 24 minutes - 16.9 MBHow can you design an investment portfolio to account for uncertainty? Every leadership change creates insecurity. Investors pull out and buy into markets simply because of election results. How should the political climate affect the way you design your investment portfolio? David Rosenberg, the chief economist, and strategist at Gluskin Sheff and Associates explores why people believe political changes affect the economy and answers the burning question: When does politics actually change ...
What Are Your Financial Priorities?
November 12, 2020 15:30 - 28 minutes - 20.1 MBPeople first, then money, then things. Suze Orman, one of America’s most recognized personal finance experts, and I discuss why men and women have different financial priorities. Why is that men and women tend to handle money differently? Is it true that women are better at investing than men? Learn why fear, shame, and anger are the internal obstacles to wealth, and why your self-worth and your net-worth are connected. Can money make you feel more secure? Do you agree with Suze when she say...
Does Your Mood Affect Your Investment Choices?
November 05, 2020 15:30 - 24 minutes - 16.6 MBCan having a bad or good day affect your investment choices? Before you decide to buy or sell that next stock ask yourself why you are doing it. Dr. Kate Levinson, author of Emotional Currency: A Woman's Guide to Building a Healthy Relationship with Money and a licensed family therapist, shares the role that emotions play in financial decision making. She and Doug explore the question of why many women avoid financial responsibilities in their day-to-day life. She tries to empower women to t...
Think Outside the Box with Your IRA
October 29, 2020 21:30 - 24 minutes - 16.8 MBYour IRA (Individual Retirement Account) is a great retirement tool. Are you using it in the most efficient manner? Kirk Chisholm, Principal of the Innovative Advisory Group, shares some common misconceptions and mistakes people make with their IRA account. Kirk explains the difference is between a standard account and a self-directed account. He encourages investors to consider the self-directed approach because of its flexibility. He stresses the importance of understanding your investment...
Does Financial Stability Bring Happiness?
October 22, 2020 14:30 - 22 minutes - 15.5 MBHow much money do you need to be happy? In other words, can financial stability bring happiness? Bestselling author of The Five Secrets You Must Discover Before You Die, Dr. John Izzo and Doug explore what happiness really is and the underlying question, “Does money make a person happier?” Dr. Izzo spoke to 250 people with 18,000 years of cumulative life experience and found one thing in common: your internal mindset about how you see money impacts your happiness more than the dollar amount ...
What Does Networking Have to Do with Your Financial Decisions
October 15, 2020 21:30 - 21 minutes - 14.7 MBMost people think of networking as a good way to find a job or make other type of connections. J. Kelly Hoey, author of Build Your Dream Network: Forging Powerful Relationships in a Hyper-Connected World, shares how networking can help or hinder your financial decisions. This is because networking is based on trust… a necessary ingredient in any financial advice you get. Kelly offers advice to listeners about how to build a trustworthy network that may open up new financial opportunities. ...
Know the Intrinsic Value of Your Investments
October 01, 2020 21:30 - 23 minutes - 16.3 MBWhat is the difference between a stock’s price and intrinsic value? Learn how to determine a stock’s intrinsic value, and how to make sure you pay less than the value you receive. John Szramiak of Vintage Value Investing joins Doug to discuss the importance of knowing the intrinsic value of your stock selections. John is a firm believer that the intrinsic value of a stock is its real strength. Should you look at a stock’s current price or the stock’s potential? You don’t even know how aggres...
Do You Know Senior Citizens Who Need Help with Finances?
September 24, 2020 14:30 - 21 minutes - 15 MBDo your elderly parents need help with managing their finances? This is a difficult realization both for child and parent, and accepting and giving help needs extreme sensitivity. Letting go of the reins of a financial account is a process. Since this is a difficult conversation to have, consider inviting a financial professional to be an objective voice. Doug gives advice for adult children – and their parents - who find themselves in this challenging position. If you and your parents are a...
How to be a Financial Grownup
September 17, 2020 02:30 - 19 minutes - 13.6 MBBobbi Rebell, author of How to be a Financial Grownup: Proven Advice from High Achievers on How to Live Your Dreams and Have Financial Freedom discusses how to be a financial grownup. Bobbi uses her journalist background to offer a how-to guide for responsible money habits. Although the book was originally intended for the millennial generation, Bobbi soon discovered that people of all ages need practical money advice. Bobbi suggests automation as a tool for making sure you have the necessar...
How Do You Value a Stock?
September 10, 2020 21:30 - 24 minutes - 13.3 MBStig Brodersen, host of The Investors Podcast, joins Doug on this episode to discuss exactly what gives a stock its value. Many times people are shocked are by an expert’s valuation of a home, a car, or other personal item. The reason behind the surprise of a professional evaluation is because folks’ emotional attachment to items tend to inflate their value. Follow Stig and Doug’s discussion to learn why stocks value reflect investor expectations. Stig offers guidance about how to take the e...
Is Owning the S&P 500 Enough Diversification?
September 03, 2020 21:30 - 21 minutes - 14.8 MBThe S&P 500 is an index (collection) of 500 broadly traded large-cap stocks. If your portfolio includes it, will you be properly diversified? Doug explains why even though historically the S&P 500 has had positive returns over long periods of time, past performance can’t predict future results. Moreover, he explains why most people are mistaken in their understanding of how diversified – or not – the index actually is. Listen for tips on how to make sure your portfolio is well-diversified. S...
How to Optimize Your Cash Flow
August 27, 2020 21:30 - 21 minutes - 14.7 MBDoes it seem as if more cash flows out of your wallet than into it? Is cash flow the key to growing wealth? If so, what is the best way to optimize cash flow? Doug and Al Zdenek, author of Master Your Cash Flow: The Key To Grow and Retain Wealth, examine why you should broaden your definition of “cash flow” beyond having just enough money to pay bills, to include participating in a regular savings program. Learn how to manage your cash flow now, in order to better prepare for retirement. M...
Beware of the Implications of a Changing Signature
August 20, 2020 21:30 - 19 minutes - 13.3 MBOne often overlooked sign of aging is your signature. As people age, often their handwriting and signature change. What does handwriting have to do with investing? Quite simply, if your signatures don’t match it may be harder to move money. Doug talks about the importance of keeping up-to-date records with your financial institutions – including your (aging) signature. Learn about other financial implications that may affect senior citizens and get practical workarounds for some of the finan...
What Is the Best Way to Get Out of Debt?
August 13, 2020 21:30 - 19 minutes - 13.4 MBIf you want to get out of debt, should you pay off your smallest debts first or those with the highest interest rates? Deacon Hayes, debt expert, joins the show to discuss how to build wealth when you are in debt. He share his personal experience and presents the steps he took that enabled him to get out of debt. Deacon’s proven debt reduction approach may surprise you. Budgets do not have to be strict or complex, says Deacon. A simplified process is more likely to lead to financial discipli...
How to Reassess Your Investment Risk Profile as Your Life Changes
August 06, 2020 21:30 - 22 minutes - 16.5 MBBrian Preston and Bo Hanson, co-hosts of the Money Guy Show, share the microphone with Doug, our favorite Money Guy, to discuss why and how should you evaluate, and re-evaluate, your investment risk profile as life changes. “How much risk can your situation handle?” is a very different question than “How much risk can you handle?” There’s a significant difference between risk tolerance and risk capacity. Learn what the difference is, and how to adjust your portfolio and emotional expectation...
Here’s Why Retirement Planning Tools Make a Difference
July 23, 2020 21:30 - 21 minutes - 14.9 MBHow can you know which is the best retirement planning tool in the market? When the stakes are high, there is little room for error. Find out Dr. Wade Pfau’s favorite retirement planning tools and strategies. He’s the Professor of Retirement Income at American College and a CFA©. Wade and Doug debate the wisdom of using reverse mortgages in order to use your home as a way to generate retirement income. They also discuss the benefits of using a “time segmentation strategy” or a “bucket strate...
Leveraged ETFs
July 16, 2020 14:30 - 7 minutes - 5.19 MBExchange Traded Funds (ETFs) have been gaining popularity among investors for years since they are an easy way to get into the market and their fees tend to be lower than those of mutual funds. But how about leveraged ETFs? Are leveraged ETFs an easy way to increase your portfolio’s return or are they one of the least understood, riskiest investments that people are using today? Tune in to learn what a leveraged ETF is, and whether including them in your investment portfolio can boost ...