RPF0411-Check_Your_Credit_Reports
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00:00:28.000 | Welcome to the show, Radicals.
00:00:30.000 | Today's episode is supported by Paladin Registry.
00:00:33.000 | Make 2017 the year that you follow through
00:00:36.000 | and start your search for your great financial advisor.
00:00:41.000 | You need one.
00:00:42.000 | Start your search at radicalpersonalfinance.com/paladin.
00:00:45.000 | P-A-L-A-D-I-N.
00:00:47.000 | Today's episode is also supported by YNAB.
00:00:50.000 | Y-N-A-B.
00:00:51.000 | You need a budget.
00:00:52.000 | The world's best budgeting software and the budgeting
00:00:54.000 | software that I use.
00:00:55.000 | Each and every day.
00:00:56.000 | Radicalpersonalfinance.com/ynab for a free 34-day trial.
00:01:01.000 | Today we tackle credit, credit reporting,
00:01:04.000 | and some simple annual maintenance items
00:01:07.000 | that you need to take care of to make sure
00:01:10.000 | that you keep your good name.
00:01:13.000 | [MUSIC PLAYING]
00:01:17.000 | Welcome to Radical Personal Finance,
00:01:19.000 | the show dedicated to giving you all of the knowledge
00:01:21.000 | and education and ideas and reminders
00:01:26.000 | that you need to live a rich life now while also making
00:01:29.000 | sure that you stay on track to the top of your game.
00:01:32.000 | I'm your host, Michael McCrudden.
00:01:34.000 | And I'm your host, Adam Sandler.
00:01:36.000 | And I'm your host, Michael McCrudden.
00:01:38.000 | And I'm your host, Adam Sandler.
00:01:40.000 | And I'm your host, Michael McCrudden.
00:01:42.000 | And I'm your host, Michael McCrudden.
00:01:44.000 | And I'm your host, Michael McCrudden.
00:01:46.000 | And I'm your host, Michael McCrudden.
00:01:48.000 | And I'm your host, Michael McCrudden.
00:01:50.000 | And I'm your host, Michael McCrudden.
00:01:52.000 | And I'm your host, Michael McCrudden.
00:01:54.000 | And I'm your host, Michael McCrudden.
00:01:56.000 | And I'm your host, Michael McCrudden.
00:01:58.000 | And I'm your host, Michael McCrudden.
00:02:00.000 | And I'm your host, Michael McCrudden.
00:02:02.000 | And I'm your host, Michael McCrudden.
00:02:04.000 | And I'm your host, Michael McCrudden.
00:02:06.000 | And I'm your host, Michael McCrudden.
00:02:08.000 | And I'm your host, Michael McCrudden.
00:02:10.000 | And I'm your host, Michael McCrudden.
00:02:12.000 | And I'm your host, Michael McCrudden.
00:02:14.000 | And I'm your host, Michael McCrudden.
00:02:16.000 | And I'm your host, Michael McCrudden.
00:02:18.000 | And I'm your host, Michael McCrudden.
00:02:20.000 | And I'm your host, Michael McCrudden.
00:02:22.000 | And I'm your host, Michael McCrudden.
00:02:24.000 | And I'm your host, Michael McCrudden.
00:02:26.000 | And I'm your host, Michael McCrudden.
00:02:28.000 | And I'm your host, Michael McCrudden.
00:02:30.000 | And I'm your host, Michael McCrudden.
00:02:32.000 | And I'm your host, Michael McCrudden.
00:02:34.000 | And I'm your host, Michael McCrudden.
00:02:36.000 | And I'm your host, Michael McCrudden.
00:02:38.000 | And I'm your host, Michael McCrudden.
00:02:40.000 | And I'm your host, Michael McCrudden.
00:02:42.000 | And I'm your host, Michael McCrudden.
00:02:44.000 | And I'm your host, Michael McCrudden.
00:02:46.000 | And I'm your host, Michael McCrudden.
00:02:48.000 | And I'm your host, Michael McCrudden.
00:02:50.000 | And I'm your host, Michael McCrudden.
00:02:52.000 | And I'm your host, Michael McCrudden.
00:02:54.000 | And I'm your host, Michael McCrudden.
00:02:56.000 | And I'm your host, Michael McCrudden.
00:02:58.000 | And I'm your host, Michael McCrudden.
00:03:00.000 | And I'm your host, Michael McCrudden.
00:03:02.000 | And I'm your host, Michael McCrudden.
00:03:04.000 | And I'm your host, Michael McCrudden.
00:03:06.000 | And I'm your host, Michael McCrudden.
00:03:08.000 | And I'm your host, Michael McCrudden.
00:03:10.000 | And I'm your host, Michael McCrudden.
00:03:12.000 | And I'm your host, Michael McCrudden.
00:03:14.000 | And I'm your host, Michael McCrudden.
00:03:16.000 | And I'm your host, Michael McCrudden.
00:03:18.000 | And I'm your host, Michael McCrudden.
00:03:20.000 | And I'm your host, Michael McCrudden.
00:03:22.000 | And I'm your host, Michael McCrudden.
00:03:24.000 | And I'm your host, Michael McCrudden.
00:03:26.000 | And I'm your host, Michael McCrudden.
00:03:28.000 | And I'm your host, Michael McCrudden.
00:03:30.000 | And I'm your host, Michael McCrudden.
00:03:32.000 | And I'm your host, Michael McCrudden.
00:03:34.000 | And I'm your host, Michael McCrudden.
00:03:36.000 | And I'm your host, Michael McCrudden.
00:03:38.000 | And I'm your host, Michael McCrudden.
00:03:40.000 | And I'm your host, Michael McCrudden.
00:03:42.000 | And I'm your host, Michael McCrudden.
00:03:44.000 | And I'm your host, Michael McCrudden.
00:03:46.000 | And I'm your host, Michael McCrudden.
00:03:48.000 | And I'm your host, Michael McCrudden.
00:03:50.000 | And I'm your host, Michael McCrudden.
00:03:52.000 | And I'm your host, Michael McCrudden.
00:03:54.000 | And I'm your host, Michael McCrudden.
00:03:56.000 | And I'm your host, Michael McCrudden.
00:03:58.000 | And I'm your host, Michael McCrudden.
00:04:00.000 | And I'm your host, Michael McCrudden.
00:04:02.000 | And I'm your host, Michael McCrudden.
00:04:04.000 | And I'm your host, Michael McCrudden.
00:04:06.000 | And I'm your host, Michael McCrudden.
00:04:08.000 | And I'm your host, Michael McCrudden.
00:04:10.000 | And I'm your host, Michael McCrudden.
00:04:12.000 | And I'm your host, Michael McCrudden.
00:04:14.000 | And I'm your host, Michael McCrudden.
00:04:16.000 | And I'm your host, Michael McCrudden.
00:04:18.000 | And I'm your host, Michael McCrudden.
00:04:20.000 | And I'm your host, Michael McCrudden.
00:04:22.000 | And I'm your host, Michael McCrudden.
00:04:24.000 | And I'm your host, Michael McCrudden.
00:04:26.000 | And I'm your host, Michael McCrudden.
00:04:28.000 | And I'm your host, Michael McCrudden.
00:04:30.000 | And I'm your host, Michael McCrudden.
00:04:32.000 | And I'm your host, Michael McCrudden.
00:04:34.000 | And I'm your host, Michael McCrudden.
00:04:36.000 | And I'm your host, Michael McCrudden.
00:04:38.000 | And I'm your host, Michael McCrudden.
00:04:40.000 | And I'm your host, Michael McCrudden.
00:04:42.000 | And I'm your host, Michael McCrudden.
00:04:44.000 | And I'm your host, Michael McCrudden.
00:04:46.000 | And I'm your host, Michael McCrudden.
00:04:48.000 | And I'm your host, Michael McCrudden.
00:04:50.000 | And I'm your host, Michael McCrudden.
00:04:52.000 | And I'm your host, Michael McCrudden.
00:04:54.000 | And I'm your host, Michael McCrudden.
00:04:56.000 | And I'm your host, Michael McCrudden.
00:04:58.000 | And I'm your host, Michael McCrudden.
00:05:00.000 | And I'm your host, Michael McCrudden.
00:05:02.000 | And I'm your host, Michael McCrudden.
00:05:04.000 | And I'm your host, Michael McCrudden.
00:05:06.000 | And I'm your host, Michael McCrudden.
00:05:08.000 | And I'm your host, Michael McCrudden.
00:05:10.000 | And I'm your host, Michael McCrudden.
00:05:12.000 | And I'm your host, Michael McCrudden.
00:05:14.000 | And I'm your host, Michael McCrudden.
00:05:16.000 | And I'm your host, Michael McCrudden.
00:05:18.000 | And I'm your host, Michael McCrudden.
00:05:20.000 | And I'm your host, Michael McCrudden.
00:05:22.000 | And I'm your host, Michael McCrudden.
00:05:24.000 | And I'm your host, Michael McCrudden.
00:05:26.000 | And I'm your host, Michael McCrudden.
00:05:28.000 | And I'm your host, Michael McCrudden.
00:05:30.000 | And I'm your host, Michael McCrudden.
00:05:32.000 | And I'm your host, Michael McCrudden.
00:05:34.000 | And I'm your host, Michael McCrudden.
00:05:36.000 | And I'm your host, Michael McCrudden.
00:05:38.000 | And I'm your host, Michael McCrudden.
00:05:40.000 | And I'm your host, Michael McCrudden.
00:05:42.000 | And I'm your host, Michael McCrudden.
00:05:44.000 | And I'm your host, Michael McCrudden.
00:05:46.000 | And I'm your host, Michael McCrudden.
00:05:48.000 | And I'm your host, Michael McCrudden.
00:05:50.000 | And I'm your host, Michael McCrudden.
00:05:52.000 | And I'm your host, Michael McCrudden.
00:05:54.000 | And I'm your host, Michael McCrudden.
00:05:56.000 | And I'm your host, Michael McCrudden.
00:05:58.000 | And I'm your host, Michael McCrudden.
00:06:00.000 | And I'm your host, Michael McCrudden.
00:06:02.000 | And I'm your host, Michael McCrudden.
00:06:04.000 | And I'm your host, Michael McCrudden.
00:06:06.000 | And I'm your host, Michael McCrudden.
00:06:08.000 | And I'm your host, Michael McCrudden.
00:06:10.000 | And I'm your host, Michael McCrudden.
00:06:12.000 | And I'm your host, Michael McCrudden.
00:06:14.000 | And I'm your host, Michael McCrudden.
00:06:16.000 | And I'm your host, Michael McCrudden.
00:06:18.000 | And I'm your host, Michael McCrudden.
00:06:20.000 | And I'm your host, Michael McCrudden.
00:06:22.000 | And I'm your host, Michael McCrudden.
00:06:24.000 | So once a year I change my oil.
00:06:26.000 | I have all this checklist of little things that I do
00:06:28.000 | at each June and in January.
00:06:30.000 | And one of those things is to check the credit reports.
00:06:32.000 | So I just got done checking mine,
00:06:34.000 | pulling them down, going through them.
00:06:36.000 | This really only needs to take a couple of minutes.
00:06:38.000 | Meaning if you have a clean and simple credit report,
00:06:40.000 | you just look at any open accounts,
00:06:42.000 | any inquiries,
00:06:44.000 | make sure you recognize everything,
00:06:46.000 | make sure nothing's going on,
00:06:48.000 | and make sure everything's okay.
00:06:50.000 | It takes a few minutes.
00:06:52.000 | But you want to be able to make sure that people are not
00:06:54.000 | making applications for credit in your name
00:06:56.000 | and making sure that people are not
00:06:58.000 | opening accounts in your name.
00:07:00.000 | If you catch it early, it's simple.
00:07:02.000 | You can dispute it. You can have it taken off.
00:07:04.000 | And then you'll make sure to maintain and keep your credit report clean.
00:07:06.000 | So make sure that on your January checklist,
00:07:08.000 | So make sure that on your January checklist,
00:07:10.000 | you have the to-do item
00:07:12.000 | of downloading
00:07:14.000 | your credit reports
00:07:16.000 | from the three credit reporting agencies.
00:07:18.000 | Now, one thing you should consider,
00:07:20.000 | there are three agencies,
00:07:22.000 | and you should ask the question, "Should I do this all in January
00:07:24.000 | or should I possibly spread it out?"
00:07:26.000 | For the sake of simplicity,
00:07:28.000 | generally it's best to just do this in January
00:07:30.000 | or if your birthday is in September,
00:07:32.000 | you just do this stuff around your birthday
00:07:34.000 | or when the kids get out or whatever.
00:07:36.000 | You pick a good time in your annual calendar.
00:07:38.000 | Pick a time that you do it consistently
00:07:40.000 | and set yourself a reminder in your Tickler files
00:07:42.000 | or on your calendar system.
00:07:44.000 | Good to do it all at once.
00:07:46.000 | The only exception to this would be if you knew that you were going to
00:07:48.000 | be applying for credit.
00:07:50.000 | You're going to be applying for a mortgage or something like that.
00:07:52.000 | In that case,
00:07:54.000 | all of these reports basically report the same information.
00:07:56.000 | So I just got done doing mine.
00:07:58.000 | Download three credit reports.
00:08:00.000 | Take a quick look through.
00:08:02.000 | Yep, they all say the same thing. Everything's good.
00:08:04.000 | There's no new accounts I don't recognize.
00:08:06.000 | Boom, boom, boom, done. Very, very simple.
00:08:08.000 | If I were going to apply for a mortgage
00:08:10.000 | or if I were going to take out loans or something like that, though,
00:08:12.000 | I would probably set this and do one every four months.
00:08:14.000 | Generally, these reports are all going to reflect the same information.
00:08:16.000 | And so the reason to do it every four months
00:08:18.000 | would just simply be to make sure that I'm keeping current amounts.
00:08:20.000 | By doing it on annualcreditreport.com,
00:08:22.000 | you can do it for free.
00:08:24.000 | Once a year, once out of every 365 days,
00:08:26.000 | you can do it for free.
00:08:28.000 | So that would be just one way of looking at it.
00:08:30.000 | You want to do it quarterly? Great.
00:08:32.000 | It'll only take a minute.
00:08:34.000 | Do it annually. Just make sure that you do it.
00:08:36.000 | A couple of quick pieces of paying attention.
00:08:38.000 | Now, a couple of other tips for you.
00:08:40.000 | I want to talk about a cheap way to actually get yourself
00:08:42.000 | decent identity protection,
00:08:44.000 | which is freezing your credit report,
00:08:46.000 | and also how you can keep an eye on your credit scores.
00:08:48.000 | Because annualcreditreport.com does not give you
00:08:50.000 | your credit reporting scores.
00:08:52.000 | And your scores do matter.
00:08:54.000 | Before I do that, though,
00:08:56.000 | sponsors of today's show is Paladin Registry.
00:08:58.000 | As I mentioned at the beginning,
00:09:00.000 | Paladin Registry is a registry service
00:09:02.000 | for financial advisors.
00:09:04.000 | I've been working with them for a really long time.
00:09:06.000 | Jack Waymire and his team originally contacted me,
00:09:08.000 | and they solved a problem that I was trying to solve,
00:09:10.000 | which is how do I get my credit scores
00:09:12.000 | to be as high as possible?
00:09:14.000 | And I was trying to solve, which is how do I connect
00:09:16.000 | many of you with great financial advisors?
00:09:18.000 | I'm not a financial advisor anymore.
00:09:20.000 | I got rid of all my licenses,
00:09:22.000 | so I don't do that stuff.
00:09:24.000 | But I know many of you want to work
00:09:26.000 | with a financial advisor.
00:09:28.000 | Well, do I go get Edward Jones or Merrill Lynch
00:09:30.000 | or Vanguard?
00:09:32.000 | How do I do this? I don't know.
00:09:34.000 | So when I got in touch with Paladin,
00:09:36.000 | I worked through their model.
00:09:38.000 | They have a rigorous screening model
00:09:40.000 | and a set of due diligence research
00:09:42.000 | on each financial advisor who desires
00:09:44.000 | to be listed in their registry service.
00:09:46.000 | They check all their records out,
00:09:48.000 | make sure everything is buttoned up.
00:09:50.000 | If they pass those tests, then they accept
00:09:52.000 | the financial advisor into their registry system.
00:09:54.000 | So if you're working with a pool of applicants
00:09:56.000 | from Paladin, you know
00:09:58.000 | that all of them have been screened,
00:10:00.000 | which is a big deal.
00:10:02.000 | They all meet experience requirements,
00:10:04.000 | ethics requirements, education,
00:10:06.000 | and business practice requirements.
00:10:08.000 | So you've got to really shop and investigate
00:10:10.000 | somebody that you're going to hire
00:10:12.000 | as a financial advisor.
00:10:14.000 | Now, I say this often. I can't guarantee
00:10:16.000 | you're going to find a great financial advisor
00:10:18.000 | with Paladin. And the reason is because
00:10:20.000 | you've got to find a great financial advisor
00:10:22.000 | for you. I have no way to control
00:10:24.000 | who's going to be great for you.
00:10:26.000 | But I can at least guarantee you
00:10:28.000 | that you're going to start your search
00:10:30.000 | on a better footing than opening up
00:10:32.000 | the yellow pages and just finding
00:10:34.000 | a random financial advisor.
00:10:36.000 | So if you're looking for a financial advisor
00:10:38.000 | that you can trust, you can go to
00:10:40.000 | radicalpersonalfinance.com.
00:10:42.000 | That's radicalpersonalfinance.com.
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00:13:10.000 | right now, and you can go to the website that I'm going to show you
00:13:12.000 | right now, and you can go to the website that I'm going to show you
00:13:14.000 | right now, and you can go to the website that I'm going to show you
00:13:16.000 | right now, and you can go to the website that I'm going to show you
00:13:18.000 | right now, and you can go to the website that I'm going to show you
00:13:20.000 | right now, and you can go to the website that I'm going to show you
00:13:22.000 | right now, and you can go to the website that I'm going to show you
00:13:24.000 | right now, and you can go to the website that I'm going to show you
00:13:26.000 | right now, and you can go to the website that I'm going to show you
00:13:28.000 | right now, and you can go to the website that I'm going to show you
00:13:30.000 | right now, and you can go to the website that I'm going to show you
00:13:32.000 | right now, and you can go to the website that I'm going to show you
00:13:34.000 | right now, and you can go to the website that I'm going to show you
00:13:36.000 | right now, and you can go to the website that I'm going to show you
00:13:38.000 | right now, and you can go to the website that I'm going to show you
00:13:40.000 | right now, and you can go to the website that I'm going to show you
00:13:42.000 | right now, and you can go to the website that I'm going to show you
00:13:44.000 | right now, and you can go to the website that I'm going to show you
00:13:46.000 | right now, and you can go to the website that I'm going to show you
00:13:48.000 | right now, and you can go to the website that I'm going to show you
00:13:50.000 | right now, and you can go to the website that I'm going to show you
00:13:52.000 | right now, and you can go to the website that I'm going to show you
00:13:54.000 | right now, and you can go to the website that I'm going to show you
00:13:56.000 | right now, and you can go to the website that I'm going to show you
00:13:58.000 | right now, and you can go to the website that I'm going to show you
00:14:00.000 | right now, and you can go to the website that I'm going to show you
00:14:02.000 | right now, and you can go to the website that I'm going to show you
00:14:04.000 | right now, and you can go to the website that I'm going to show you
00:14:06.000 | right now, and you can go to the website that I'm going to show you
00:14:08.000 | right now, and you can go to the website that I'm going to show you
00:14:10.000 | right now, and you can go to the website that I'm going to show you
00:14:12.000 | right now, and you can go to the website that I'm going to show you
00:14:14.000 | right now, and you can go to the website that I'm going to show you
00:14:16.000 | right now, and you can go to the website that I'm going to show you
00:14:18.000 | right now, and you can go to the website that I'm going to show you
00:14:20.000 | right now, and you can go to the website that I'm going to show you
00:14:22.000 | right now, and you can go to the website that I'm going to show you
00:14:24.000 | right now, and you can go to the website that I'm going to show you
00:14:26.000 | right now, and you can go to the website that I'm going to show you
00:14:28.000 | right now, and you can go to the website that I'm going to show you
00:14:30.000 | right now, and you can go to the website that I'm going to show you
00:14:32.000 | right now, and you can go to the website that I'm going to show you
00:14:34.000 | right now, and you can go to the website that I'm going to show you
00:14:36.000 | right now, and you can go to the website that I'm going to show you
00:14:38.000 | right now, and you can go to the website that I'm going to show you
00:14:40.000 | right now, and you can go to the website that I'm going to show you
00:14:42.000 | right now, and you can go to the website that I'm going to show you
00:14:44.000 | right now, and you can go to the website that I'm going to show you
00:14:46.000 | right now, and you can go to the website that I'm going to show you
00:14:48.000 | right now, and you can go to the website that I'm going to show you
00:14:50.000 | right now, and you can go to the website that I'm going to show you
00:14:52.000 | right now, and you can go to the website that I'm going to show you
00:14:54.000 | right now, and you can go to the website that I'm going to show you
00:14:56.000 | right now, and you can go to the website that I'm going to show you
00:14:58.000 | right now, and you can go to the website that I'm going to show you
00:15:00.000 | right now, and you can go to the website that I'm going to show you
00:15:02.000 | right now, and you can go to the website that I'm going to show you
00:15:04.000 | right now, and you can go to the website that I'm going to show you
00:15:06.000 | right now, and you can go to the website that I'm going to show you
00:15:08.000 | right now, and you can go to the website that I'm going to show you
00:15:10.000 | right now, and you can go to the website that I'm going to show you
00:15:12.000 | right now, and you can go to the website that I'm going to show you
00:15:14.000 | right now, and you can go to the website that I'm going to show you
00:15:16.000 | right now, and you can go to the website that I'm going to show you
00:15:18.000 | right now, and you can go to the website that I'm going to show you
00:15:20.000 | right now, and you can go to the website that I'm going to show you
00:15:22.000 | right now, and you can go to the website that I'm going to show you
00:15:24.000 | right now, and you can go to the website that I'm going to show you
00:15:26.000 | right now, and you can go to the website that I'm going to show you
00:15:28.000 | right now, and you can go to the website that I'm going to show you
00:15:30.000 | right now, and you can go to the website that I'm going to show you
00:15:32.000 | right now, and you can go to the website that I'm going to show you
00:15:34.000 | right now, and you can go to the website that I'm going to show you
00:15:36.000 | right now, and you can go to the website that I'm going to show you
00:15:38.000 | right now, and you can go to the website that I'm going to show you
00:15:40.000 | right now, and you can go to the website that I'm going to show you
00:15:42.000 | right now, and you can go to the website that I'm going to show you
00:15:44.000 | right now, and you can go to the website that I'm going to show you
00:15:46.000 | right now, and you can go to the website that I'm going to show you
00:15:48.000 | right now, and you can go to the website that I'm going to show you
00:15:50.000 | right now, and you can go to the website that I'm going to show you
00:15:52.000 | right now, and you can go to the website that I'm going to show you
00:15:54.000 | right now, and you can go to the website that I'm going to show you
00:15:56.000 | right now, and you can go to the website that I'm going to show you
00:15:58.000 | right now, and you can go to the website that I'm going to show you
00:16:00.000 | right now, and you can go to the website that I'm going to show you
00:16:02.000 | right now, and you can go to the website that I'm going to show you
00:16:04.000 | right now, and you can go to the website that I'm going to show you
00:16:06.000 | right now, and you can go to the website that I'm going to show you
00:16:08.000 | right now, and you can go to the website that I'm going to show you
00:16:10.000 | right now, and you can go to the website that I'm going to show you
00:16:12.000 | right now, and you can go to the website that I'm going to show you
00:16:14.000 | right now, and you can go to the website that I'm going to show you
00:16:16.000 | right now, and you can go to the website that I'm going to show you
00:16:18.000 | right now, and you can go to the website that I'm going to show you
00:16:20.000 | right now, and you can go to the website that I'm going to show you
00:16:22.000 | right now, and you can go to the website that I'm going to show you
00:16:24.000 | right now, and you can go to the website that I'm going to show you
00:16:26.000 | right now, and you can go to the website that I'm going to show you
00:16:28.000 | right now, and you can go to the website that I'm going to show you
00:16:30.000 | right now, and you can go to the website that I'm going to show you
00:16:32.000 | right now, and you can go to the website that I'm going to show you
00:16:34.000 | right now, and you can go to the website that I'm going to show you
00:16:36.000 | right now, and you can go to the website that I'm going to show you
00:16:38.000 | right now, and you can go to the website that I'm going to show you
00:16:40.000 | right now, and you can go to the website that I'm going to show you
00:16:42.000 | right now, and you can go to the website that I'm going to show you
00:16:44.000 | right now, and you can go to the website that I'm going to show you
00:16:46.000 | right now, and you can go to the website that I'm going to show you
00:16:48.000 | right now, and you can go to the website that I'm going to show you
00:16:50.000 | right now, and you can go to the website that I'm going to show you
00:16:52.000 | right now, and you can go to the website that I'm going to show you
00:16:54.000 | right now, and you can go to the website that I'm going to show you
00:16:56.000 | right now, and you can go to the website that I'm going to show you
00:16:58.000 | right now, and you can go to the website that I'm going to show you
00:17:00.000 | right now, and you can go to the website that I'm going to show you
00:17:02.000 | right now, and you can go to the website that I'm going to show you
00:17:04.000 | right now, and you can go to the website that I'm going to show you
00:17:06.000 | right now, and you can go to the website that I'm going to show you
00:17:08.000 | right now, and you can go to the website that I'm going to show you
00:17:10.000 | right now, and you can go to the website that I'm going to show you
00:17:12.000 | right now, and you can go to the website that I'm going to show you
00:17:14.000 | right now, and you can go to the website that I'm going to show you
00:17:16.000 | right now, and you can go to the website that I'm going to show you
00:17:18.000 | right now, and you can go to the website that I'm going to show you
00:17:20.000 | right now, and you can go to the website that I'm going to show you
00:17:22.000 | right now, and you can go to the website that I'm going to show you
00:17:24.000 | right now, and you can go to the website that I'm going to show you
00:17:26.000 | right now, and you can go to the website that I'm going to show you
00:17:28.000 | right now, and you can go to the website that I'm going to show you
00:17:30.000 | right now, and you can go to the website that I'm going to show you
00:17:32.000 | right now, and you can go to the website that I'm going to show you
00:17:34.000 | right now, and you can go to the website that I'm going to show you
00:17:36.000 | right now, and you can go to the website that I'm going to show you
00:17:38.000 | right now, and you can go to the website that I'm going to show you
00:17:40.000 | right now, and you can go to the website that I'm going to show you
00:17:42.000 | right now, and you can go to the website that I'm going to show you
00:17:44.000 | right now, and you can go to the website that I'm going to show you
00:17:46.000 | right now, and you can go to the website that I'm going to show you
00:17:48.000 | right now, and you can go to the website that I'm going to show you
00:17:50.000 | right now, and you can go to the website that I'm going to show you
00:17:52.000 | right now, and you can go to the website that I'm going to show you
00:17:54.000 | right now, and you can go to the website that I'm going to show you
00:17:56.000 | right now, and you can go to the website that I'm going to show you
00:17:58.000 | right now, and you can go to the website that I'm going to show you
00:18:00.000 | right now, and you can go to the website that I'm going to show you
00:18:02.000 | right now, and you can go to the website that I'm going to show you
00:18:04.000 | right now, and you can go to the website that I'm going to show you
00:18:06.000 | right now, and you can go to the website that I'm going to show you
00:18:08.000 | right now, and you can go to the website that I'm going to show you
00:18:10.000 | right now, and you can go to the website that I'm going to show you
00:18:12.000 | right now, and you can go to the website that I'm going to show you
00:18:14.000 | right now, and you can go to the website that I'm going to show you
00:18:16.000 | right now, and you can go to the website that I'm going to show you
00:18:18.000 | right now, and you can go to the website that I'm going to show you
00:18:20.000 | right now, and you can go to the website that I'm going to show you
00:18:22.000 | right now, and you can go to the website that I'm going to show you
00:18:24.000 | right now, and you can go to the website that I'm going to show you
00:18:26.000 | right now, and you can go to the website that I'm going to show you
00:18:28.000 | right now, and you can go to the website that I'm going to show you
00:18:30.000 | right now, and you can go to the website that I'm going to show you
00:18:32.000 | right now, and you can go to the website that I'm going to show you
00:18:34.000 | right now, and you can go to the website that I'm going to show you
00:18:36.000 | right now, and you can go to the website that I'm going to show you
00:18:38.000 | right now, and you can go to the website that I'm going to show you
00:18:40.000 | right now, and you can go to the website that I'm going to show you
00:18:42.000 | right now, and you can go to the website that I'm going to show you
00:18:44.000 | right now, and you can go to the website that I'm going to show you
00:18:46.000 | right now, and you can go to the website that I'm going to show you
00:18:48.000 | right now, and you can go to the website that I'm going to show you
00:18:50.000 | right now, and you can go to the website that I'm going to show you
00:18:52.000 | right now, and you can go to the website that I'm going to show you
00:18:54.000 | right now, and you can go to the website that I'm going to show you
00:18:56.000 | right now, and you can go to the website that I'm going to show you
00:18:58.000 | right now, and you can go to the website that I'm going to show you
00:19:00.000 | right now, and you can go to the website that I'm going to show you
00:19:02.000 | right now, and you can go to the website that I'm going to show you
00:19:04.000 | right now, and you can go to the website that I'm going to show you
00:19:06.000 | right now, and you can go to the website that I'm going to show you
00:19:08.000 | right now, and you can go to the website that I'm going to show you
00:19:10.000 | right now, and you can go to the website that I'm going to show you
00:19:12.000 | right now, and you can go to the website that I'm going to show you
00:19:14.000 | right now, and you can go to the website that I'm going to show you
00:19:16.000 | right now, and you can go to the website that I'm going to show you
00:19:18.000 | right now, and you can go to the website that I'm going to show you
00:19:20.000 | right now, and you can go to the website that I'm going to show you
00:19:22.000 | right now, and you can go to the website that I'm going to show you
00:19:24.000 | right now, and you can go to the website that I'm going to show you
00:19:26.000 | right now, and you can go to the website that I'm going to show you
00:19:28.000 | right now, and you can go to the website that I'm going to show you
00:19:30.000 | right now, and you can go to the website that I'm going to show you
00:19:32.000 | right now, and you can go to the website that I'm going to show you
00:19:34.000 | right now, and you can go to the website that I'm going to show you
00:19:36.000 | right now, and you can go to the website that I'm going to show you
00:19:38.000 | right now, and you can go to the website that I'm going to show you
00:19:40.000 | right now, and you can go to the website that I'm going to show you
00:19:42.000 | right now, and you can go to the website that I'm going to show you
00:19:44.000 | right now, and you can go to the website that I'm going to show you
00:19:46.000 | right now, and you can go to the website that I'm going to show you
00:19:48.000 | right now, and you can go to the website that I'm going to show you
00:19:50.000 | right now, and you can go to the website that I'm going to show you
00:19:52.000 | right now, and you can go to the website that I'm going to show you
00:19:54.000 | right now, and you can go to the website that I'm going to show you
00:19:56.000 | right now, and you can go to the website that I'm going to show you
00:19:58.000 | right now, and you can go to the website that I'm going to show you
00:20:00.000 | right now, and you can go to the website that I'm going to show you
00:20:02.000 | right now, and you can go to the website that I'm going to show you
00:20:04.000 | right now, and you can go to the website that I'm going to show you
00:20:06.000 | right now, and you can go to the website that I'm going to show you
00:20:08.000 | right now, and you can go to the website that I'm going to show you
00:20:10.000 | right now, and you can go to the website that I'm going to show you
00:20:12.000 | right now, and you can go to the website that I'm going to show you
00:20:14.000 | right now, and you can go to the website that I'm going to show you
00:20:16.000 | right now, and you can go to the website that I'm going to show you
00:20:18.000 | right now, and you can go to the website that I'm going to show you
00:20:20.000 | right now, and you can go to the website that I'm going to show you
00:20:22.000 | right now, and you can go to the website that I'm going to show you
00:20:24.000 | right now, and you can go to the website that I'm going to show you
00:20:26.000 | right now, and you can go to the website that I'm going to show you
00:20:28.000 | right now, and you can go to the website that I'm going to show you
00:20:30.000 | right now, and you can go to the website that I'm going to show you
00:20:32.000 | right now, and you can go to the website that I'm going to show you
00:20:34.000 | right now, and you can go to the website that I'm going to show you
00:20:36.000 | right now, and you can go to the website that I'm going to show you
00:20:38.000 | right now, and you can go to the website that I'm going to show you
00:20:40.000 | right now, and you can go to the website that I'm going to show you
00:20:42.000 | right now, and you can go to the website that I'm going to show you
00:20:44.000 | right now, and you can go to the website that I'm going to show you
00:20:46.000 | right now, and you can go to the website that I'm going to show you
00:20:48.000 | right now, and you can go to the website that I'm going to show you
00:20:50.000 | right now, and you can go to the website that I'm going to show you
00:20:52.000 | right now, and you can go to the website that I'm going to show you
00:20:54.000 | right now, and you can go to the website that I'm going to show you
00:20:56.000 | right now, and you can go to the website that I'm going to show you
00:20:58.000 | right now, and you can go to the website that I'm going to show you
00:21:00.000 | right now, and you can go to the website that I'm going to show you
00:21:02.000 | right now, and you can go to the website that I'm going to show you
00:21:04.000 | right now, and you can go to the website that I'm going to show you
00:21:06.000 | right now, and you can go to the website that I'm going to show you
00:21:08.000 | right now, and you can go to the website that I'm going to show you
00:21:10.000 | right now, and you can go to the website that I'm going to show you
00:21:12.000 | right now, and you can go to the website that I'm going to show you
00:21:14.000 | right now, and you can go to the website that I'm going to show you
00:21:16.000 | right now, and you can go to the website that I'm going to show you
00:21:18.000 | right now, and you can go to the website that I'm going to show you
00:21:20.000 | right now, and you can go to the website that I'm going to show you
00:21:22.000 | right now, and you can go to the website that I'm going to show you
00:21:24.000 | right now, and you can go to the website that I'm going to show you
00:21:26.000 | right now, and you can go to the website that I'm going to show you
00:21:28.000 | right now, and you can go to the website that I'm going to show you
00:21:30.000 | right now, and you can go to the website that I'm going to show you
00:21:32.000 | right now, and you can go to the website that I'm going to show you
00:21:34.000 | right now, and you can go to the website that I'm going to show you
00:21:36.000 | right now, and you can go to the website that I'm going to show you
00:21:38.000 | right now, and you can go to the website that I'm going to show you
00:21:40.000 | right now, and you can go to the website that I'm going to show you
00:21:42.000 | right now, and you can go to the website that I'm going to show you
00:21:44.000 | right now, and you can go to the website that I'm going to show you
00:21:46.000 | right now, and you can go to the website that I'm going to show you
00:21:48.000 | right now, and you can go to the website that I'm going to show you
00:21:50.000 | right now, and you can go to the website that I'm going to show you
00:21:52.000 | right now, and you can go to the website that I'm going to show you
00:21:54.000 | right now, and you can go to the website that I'm going to show you
00:21:56.000 | right now, and you can go to the website that I'm going to show you
00:21:58.000 | right now, and you can go to the website that I'm going to show you
00:22:00.000 | right now, and you can go to the website that I'm going to show you
00:22:02.000 | right now, and you can go to the website that I'm going to show you
00:22:04.000 | right now, and you can go to the website that I'm going to show you
00:22:06.000 | right now, and you can go to the website that I'm going to show you
00:22:08.000 | right now, and you can go to the website that I'm going to show you
00:22:10.000 | right now, and you can go to the website that I'm going to show you
00:22:12.000 | right now, and you can go to the website that I'm going to show you
00:22:14.000 | right now, and you can go to the website that I'm going to show you
00:22:16.000 | right now, and you can go to the website that I'm going to show you
00:22:18.000 | right now, and you can go to the website that I'm going to show you
00:22:20.000 | right now, and you can go to the website that I'm going to show you
00:22:22.000 | right now, and you can go to the website that I'm going to show you
00:22:24.000 | right now, and you can go to the website that I'm going to show you
00:22:26.000 | right now, and you can go to the website that I'm going to show you
00:22:28.000 | right now, and you can go to the website that I'm going to show you
00:22:30.000 | right now, and you can go to the website that I'm going to show you
00:22:32.000 | right now, and you can go to the website that I'm going to show you
00:22:34.000 | right now, and you can go to the website that I'm going to show you
00:22:36.000 | right now, and you can go to the website that I'm going to show you
00:22:38.000 | right now, and you can go to the website that I'm going to show you
00:22:40.000 | right now, and you can go to the website that I'm going to show you
00:22:42.000 | right now, and you can go to the website that I'm going to show you
00:22:44.000 | right now, and you can go to the website that I'm going to show you
00:22:46.000 | right now, and you can go to the website that I'm going to show you
00:22:48.000 | right now, and you can go to the website that I'm going to show you
00:22:50.000 | right now, and you can go to the website that I'm going to show you
00:22:52.000 | right now, and you can go to the website that I'm going to show you
00:22:54.000 | right now, and you can go to the website that I'm going to show you
00:22:56.000 | right now, and you can go to the website that I'm going to show you
00:22:58.000 | right now, and you can go to the website that I'm going to show you
00:23:00.000 | right now, and you can go to the website that I'm going to show you
00:23:02.000 | right now, and you can go to the website that I'm going to show you
00:23:04.000 | right now, and you can go to the website that I'm going to show you
00:23:06.000 | right now, and you can go to the website that I'm going to show you
00:23:08.000 | right now, and you can go to the website that I'm going to show you
00:23:10.000 | right now, and you can go to the website that I'm going to show you
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