02:46.  Some people are really good at forecasting pricing and even those people will tell you that they're pretty good at about 40 to 60% of the time, that they can build up there value, their holdings over time.  My story about Mr Ferron reallocating money & resources.  Some people are so eager to pay off old debt but it's not a really good use of capital.  A good use of capital would be if I had the ability

Putting your cash into tax lien certificates is nice.  

11:00, KAREN.  We didn't get along with the custodian for years and they finally decided they didn't want us as clients and they sent me a big distribution a 1099-r

11:22. Did you get the dollars?

11:23.  JOHN.  Did you get the dollars?

11:24, KAREN.  No, no because it was a self-directed IRA.  We had total control over the Investments since 2008 and we never changed the valuation on it because we didn't want to tell the IRS what we were what we were invested in.

11:38. Okay, well that's fine, but did you get the gold?

11:43. Oh yeah, well that's . . . 

11:44.  They sent the gold back?

11:46.  No, they didn't have it; we've had it for decades.

11:50.  Oh, oh, so there's no disposition.