Speaker 1:       I don't it's for you, but I know a lot of people - we've all had sleepless nights when we think about finances and then, you know, when your financial well-being isn't doing well, you health can go down and it can have even, you know there's always tension relationships and stuff like that.  Has just the benefits, the financial benefits of the dividend machine, has that kind of had a positive effect on the other areas of your life?  

Ms. Gibson:     Okay.  The financial peace that we have gained from owning The Dividend Machine has translated into better nights of sleep, less stress; definitely a lot less stress, and one of the things I know like the markets were kind of crazy in January and if I felt stressed at all I would rebuild The Dividend Machine newsletter again and I always felt we were on the right track, we're on the right track and so it just took a lot of the stress away and slept better, felt happy overall, healthier.  Oh, wow.

Speaker 1:       Alright, perfect.  I'm a new woman,

Ms. Gibson:     I'm a new woman, yeah.

Speaker 1:       That's good.  She nailed it; she's awesome.  You investments and everything you were doing before Bill versus what it is now, maybe like beforehand it was like there's uncertainty out there, a lot of people have that because you don't know where to go, versus what it's like now, now that you have The Dividend Machine. 

Ms. Gibson:     Okay, you a going to have to rephrase that again. 

Speaker 1:       So before and after The Dividend Machine, what's the difference when it comes to the certainty about your finances? 

Ms. Gibson:     Okay.  Before The Dividend Machine, I had a 403(b) cause I am a public school teacher and the only things we could invest in were either annuities or mutual funds, so I just did mutual funds, but we were also saving for our Roth and I wanted to do stocks and I did do some stock picks, but they just weren't very good so, I was very uncertain in that area and I felt like, however, cause I read a lot that I should be able to get some help some where to kind of guide me, I guess, on this path of investments and that's when I found The Dividend Machine and that was a big huge help.  

Speaker 1:       Let's talk about now (and that's a perfect answer) and now when it comes to your investments, how do you feel, are you, you feel more confident, do you feel a little more secure in your retirement, as your approach retirement, or I think you are you ...

Ms. Gibson:     I am; my husband is not though.

Speaker 1:       Okay.  So how much more confident do you feel about your financial future?

Ms. Gibson:     Oh, well since I am with The Dividend Machine I feel very confident that I can go ahead and, you know, run a portfolio because my husband has absolutely no interest in that, but probably more important is for our two sons; that I tell them that they need to start reading The Dividend Machines and doing investments on their own because I guess we lost so much money paying a financial advisor that it's just - I feel sad about that - if I had found Bill earlier, it would have been a whole different story, but for retirement, I'm feeling very confident about our retirement.  I don't really don't have any concerns anymore about that. 

Speaker 1:       Alright, good, and that's good and makes me feel good as the publisher, we're publishing all this stuff and I want to make sure that …

Ms. Gibson:     Right.

Speaker 1:       … everyone's reading and enjoying it and so I guess it's reassuring that hey, we're doing the right thing; everyone's going in the right direction.  So, you mentioned you told your sons about this, what did you tell your sons about The Dividend Machine?

Ms. Gibson:     First of all, I had my newsletter there when they would come to visit and I told them to read it because it's message is so good and I think a lot of it is geared that the young people can appreciate, which they did; they do appreciate cause they Roths that they've opened up and I would prefer they would buy stocks in the Roths overall, and then basically a good dividend paying stock, but they need to do their research first or subscribe to The Dividend Machine to help them pick stocks that the returns would be good, cause they have like what, 40 years before they retire and I don't have that luxury of time, but they do and that's the best thing that they could do for themselves. 

Speaker 1:       Alright, awesome.  Have you told anybody else about The Dividend Machine and if so, what did you say? 

Ms. Gibson:     I did.  I actually was in an investment club and I mentioned it to them because we were always concerned about growth stocks, but I said you know what, we need to look at dividend paying stocks and I brought The Dividend Machine newsletter with me and they look at it and they were impressed, the ladies, cause it was formed of 12 ladies (and that was just recently) and so we were talking about newsletters and some wrote down the name for their own personal portfolio besides what we did as a club.

Speaker 1:       Okay, awesome and if you would compare your returns, I know you said you were annuities and mutual funds, and this might be rehash, a subject we already talked about and that's fine, compare your returns before The Dividend Machine to what they are now. 

Ms. Gibson:     The what I had before or what I still maybe have? 

Speaker 1:       Yeah, even in the annuities and the 403(b). 

Ms. Gibson:     Well, okay now, this is really depressing because we have some annuities and one of the annuities in  at the end of okay, when you buy an annuity the year is from when the time you bought it to the next year.  So, in 2012, so we had it from 2011-2012 and our returns on one was absolutely zero and that is the year that I signed up with the Dividend Machine that we started making a lot of money with that, but overall The Dividend Machine has really just, I don't know, has kind of exploded in terms of returns/our portfolio, and so if I'm looking for the gains in overall portfolio, most of that is coming from the choices I made with The Dividend Machine help. 

Speaker 1:       All right, awesome.  If you could, I want to see if we could summarize that a little bit and say that "basically the returns in your portfolio have exploded thanks to The Dividend Machine".  I don't want to put words in your mouth, but something along those lines like -- or at least like something along those lines, if you feel comfortable.  I don’t' want to say exploded, if necessary because -- but ah

Ms. Gibson:     But it did. 

Speaker 1:       But let's talk about that a little bit because I think it's important for people to understand that, like the returns are truly good, and I know this cause I invest with it too.  I have Altria, I have … (and would never expect that to go by).  Let's talk about it a little, let's talk about the fact that, you know, the stocks that have come from The Dividend Machine have just exploded; they've done amazing or something along those lines. 

Ms. Gibson:     Okay.  When I first started with The Dividend Machine I started very slowly because I felt like I was on my own with a little help, you know, with Bill's newsletter, and I start watching what he was recommending and I just start buying what I felt were really good strong dividend stocks that he recommended and they had done so well and then he started recommending some stocks that did not pay dividends and I was not buying those and I was keeping up with them and I thought wow, you know they have done so well and so I started buying basically all his picks and so that's the best thing I could ever done cause our gains have been enormous and so my husband's happy and I'm happy. 

Speaker 1:       Alright, perfect and then let me ask you -- and this applies to some people not others -- but for you like just getting these extra gains and earning this extra money in your portfolio, what has that allowed you to do?  For some people they just have financial peace, for other people it might be, I mean we have already talked to some guys who are like, you know, literally it's paid for my living expenses and stuff like that.  Has it given you any sense of like financial freedom at all?

Ms. Gibson:     Since I invested with The Dividend Machines basically I have financial peace now and I feel like we can do more things.  We've been taking trips and not so much necessarily on the returns cause I'm building our portfolio, reinvesting our dividends, but just knowing that it's growing and growing it makes us more comfortable to spend …

Speaker 1:       (Airplane passes by) Let's start that one over.  Sorry.  Okay, so you mentioned financial peace and that you had been traveling travel and stuff, let's talk about that. 

Ms. Gibson:     Right.  Do you want me to start over on that one? 

Speaker 1:       Yeah, we can start over.  Might as well.

Ms. Gibson:     Okay, alright.  Am I allowed to say Bill's name?  I never know that.

Speaker 1:       Oh yeah, absolutely, you can say Bill.

Ms. Gibson:     Bill, even though I haven't met the guy.

Speaker 1:       Bill Spetrino, you can definitely say it - Bill Spetrino, Dividend Machine …

Ms. Gibson:     Since we started with The Dividend Machine, and I've been investing with Bill, we do have financial peace.  We're much more comfortable, it's about spending money like we've been on some trips overseas.  Basically, with The Dividend Machine what I'm making there I'm just reinvesting our dividends for growth for when my husband retires that we would be able to do even more traveling because that's on our bucket list of things to do and we also want to provide for our sons, you know, and they are still young, so they're not married yet, but you know eventually maybe our grandchildren. 

Speaker 1:       It's awesome that your sons both have Roth IRAs already.

Ms. Gibson:     Right.

Speaker 1:       You guys are advising right.  Do the Roth, you know, invest in that way.  Your tax bracket is probably lower than one year later, so it's good. 

Ms. Gibson:     There's one thing I want to say on this, if that's okay? 

Speaker 1:       Go for it.

Ms. Gibson:     It might be just totally off the thing, but, I really believe in saving for retirement and, of course, I have been a teacher for 30 years and we can put in for like a 403(b), but when I would talk to the teachers about putting in for a 403(b) or 4A Roth, a lot of them would say what is that and these could be young teachers or older teachers, whatever.  So, I would start talking to them about that and would tell them that they would need to start investing on the side for themselves and I had wished that I had known about Bill's Dividend Machine then because some of them would come to me and say, Ok Lynn I want to know everything you can tell me about how would I set up a Roth and I would tell them and they said well can you make any suggestions.  Well, of course, I wasn't comfortable with that, but I would have been so comfortable giving them Bill's Dividend Machine newsletter and tell them that they need to subscribe and that would become like their playbook of how they could go ahead and set up for their retirement. 

Speaker 1:       Absolutely.  So, you've definitely told other people about The Dividend Machine newsletter, which you are sharing with other teachers is amazing, so let me ask you this, there's probably some people watching this video, that will be watching the video, who are like you know what I'm hesitant to buy, I don't know if The Dividend Machine is right for me.  There can be various reasons; one of them might just be the fact that they just don't know enough.  What would you say to someone who says, you know what I'm too much of a novice investor for this.  What would you have to say to that person? 

Ms. Gibson:     Oh, I think The Dividend Machine is perfect for a new investor.  Well actually new or older investor, whatever.  They answer so many questions that you might have and the guidance is amazing.  It's just, the way it's written it's just so straightforward and Bill is, actually he's funny and entertaining to read, but basically he is right on the mark.  I appreciate his expertise, how like when he was buying a certain stock that I had and it went down, and he would write up about it, what's going on with the company and if I should still be holding it, which he did recommend it, which I did do, thankfully.  So, he's always right on the mark.  So, for anyone trying to figure out if they should do it themselves, it's easy.  Bill tells you what price you should buy it, get in, if it's overpriced do not buy at that price which I really adhered to and that has been extremely useful.  I don't think I did that one right.

Speaker 1:       No, you did good; that was perfect.  There's a lot of people watching, let's seewhat I do with a lot of people is start some sentences and I let them kind of finish it.  So we'll start with this "for a $100.00 a year The Dividend Machine is … " and just literally say that sentence "For a $100.00 a year, The Dividend Machine is ..."

Ms. Gibson:     Oh, wow.  Okay.  For me for a $100.00 a year The Dividend Machine is a life saver.  It was a game changer for me actually.  It was able to take me from being totally clueless about trading in the stock market to being very successful today. 

Speaker 1:       Perfect.  And then what would you have to say, let's do this "without The Dividend Machine I would …"

Ms. Gibson:     Oh my gosh, be crying in my beer, no.  Oh wow.  Without The Dividend Machine I know I would not be financially where I'm at today.  I got to think on this one, just a second. 

Speaker 1:       But I think too you had mentioned before you were like, it was hard to figure out what to do and now it's like, there's almost like a pathway, a road map to follow. 

Ms. Gibson:     Yeah, yeah.  So, without The Dividend Machine financially I would not be where I'm at today and it has been a road map for me.  I don't know.  I'm pretty passionate about owning The Dividend Machine because it has totally changed how I am able to invest, it's changed our gains, which have been very high, and it's given us so much peach of mind that I would not, I cannot imagine being without it. 

Speaker 1:       Alright, great and then, there's a lot of people may be watching, a lot of teachers in fact that may think they don't have enough money to get started.  What would you say to people who says you know what, this isn't for me, I don't have enough money to get started? 

Ms. Gibson:     Oh wow.  The Dividend Machine is perfect for any novice investor or someone that does not feel like they have very much money.  You do not need basically anything because you are buying stocks and as Bill says the dividends are being reinvested over and over.  So, the worse thing you can do is not invest in the dividend stocks and the best place to go to get advice is actually from Bill. 

Speaker 1:       Alright, perfect.  Let me do this, you're probably flying over here, you think in the night different things you want to tell us.  Do you have anything you really want to tell us?  I'm asking you all these questions, but maybe you have something in your mind and you're like, you know this is one thing I want to get across and you already mentioned one thing, I think, about young people.  You talked about that, which is fabulous, but is there anything else you have to tell us? 

Ms. Gibson:     You know, you are always reading how people are not prepared for retirement, that they're not saving and so many people are just kind of clueless about what to do and so I really wish that people are more aware of what's out there with Bill and his Dividend Machine; that they could go ahead and start today, they can actually start today, and buy one stock.  They could buy 1 share, 50 shares, 100 shares, or whatever they feel comfortable with and they could see what a difference it would make in their lives and they would be prepared for retirement.  The saddest thing for me in the world was when I was getting ready to retire and some of the teachers came up to me and some where older than I was and they said that they would never be able to retire because they had not saved any money outside of their teacher retirement and I said, you know, I have been telling you about, you know, the Roth and the 403(b) and they said I know but I never knew how to get started and so I think Bill is a great starting place for someone that feels that way; that they feel lost and he's just kind of like a guiding light. 

Speaker 1:       Alright, that was a great answer.  I think there's a lot of people that are clueless.  I am 35 years old and I have lots of friends and its funny because I've been investing, I thankfully had a father who taught me how to invest.  He helped me buy my first stock when I was 16 so I have always been doing this, but there's a lot of guys my age who have never invested, they don't even know and even though they see the commercials for E*Trade a hundred times during the, you know, Super Bowl or whatever, they still just don't get it.  They don't get how to just open it and then just buy a stock.  It's really easy to do and they don't get that part. 

Ms. Gibson:     They don't, you know, and it scares me because when I said that there's so -- I would say most of the teachers, I would say like 90% are that way, just clueless and my Principal told me when I retired, she says, you know Lynn, she said I know you told me all these years to be saving, she says, but I haven't, so I don't know how I am going to be able to retire and, off course, I retired a little bit early, but they could all do it.  It doesn't take that much and you know that $100 for his newsletter is like a penny.  I mean if you look in terms of investments. 

Speaker 1:       Perfect.  Do me one more favor and look right into the camera and this one

Ms. Gibson:     Uh, this one? 

Speaker 1:       This one, and say, say your name, say my name is -- sorry I forget your name -- and say my name is and I am just excited, I'm thrilled, I feel blessed to be a Dividend Machine subscriber, something along those lines. 

Ms. Gibson:     Oh wow.  Okay.  Kind of a closing statement? 

Speaker 1:       Yeah, exactly. 

Ms. Gibson:     Oh, wow.  My name is Lynn Gibson and I am totally excited to be a Dividend Machine investor. 

Speaker 1:       Perfect.  Now, let's see if you can do it one more time.  I know it feels kinds of cheesy but …

Ms. Gibson:     Yeah. 

Speaker 1:       Maybe a huh at the end, I'm just messing with you. 

Ms. Gibson:     No, no let me think.  My name is Lynn Gibson and I am a passionate Dividend Machine investor. 

Speaker 1:       Damn.  That is like, this is the best shot yet.  It’s all her, it is. 

[We're rolling]

Speaker 1:       Alright.  We're going to start very basic and the whole time just look at me and ignore everything else.  Just tell me your name and what year you were born. 

Ms. Gibson:     Okay.  I have to say the year I'm born? 

Speaker 1:       You don't have to say the year.  Say you name and what you've done your whole life or your career. 

Ms. Gibson:     Okay.  My name is Lynn Gibson and I am a retired math teacher, middle school math. 

Speaker 1:       Okay.  Tell me about your teaching career, like how long you were doing it and, you know, your passion about it, something like that. 

Ms. Gibson:     Oh wow, I am passionate about math.  I taught middle school math so that is your middle teenagers, 13 and 14 years old, and I was math department chair for about 20 years with all my math teachers, but I guess my passion is mathematics because I coached a math team and my kids went to state and won at state competition, which is as far as they can go.     

Speaker 1:       Alright, awesome and then as far as your investing career, tell me a little bit about when you started getting involved in investing, even through the school or, you know, through any claims you had and kind of up to the point where you started with The Dividend Machine. 

Ms. Gibson:     Okay.  Actually, I was always interested in investing.  I took a course at a junior college when I was a young teacher and I learned about mutual funds, the first time I ever heard of them and I did a lot of reading on investing and I bought some newsletter, but I never did all that well on the stock picks and so we had been saving a lot and investing, so around the year 2010 I started looking around and I decided that maybe I needed some help and that's when I found a financial advisor and, unfortunately, he did not do very well by us.  So, we went with him in 2011 and we lost over 10% that year. 

Speaker 1:       In 2011, I mean that was a dip right there around late summer. 

Ms. Gibson:     Yeah, right.  I think the returns that year were like 2 to 3%for the S&P, but we lost over 10% and he actually worked with retired people and his thing was that you save money, but we were losing like big time, plus we were paying him.  So we talked to him and I decided we would give him just a little bit more time.  So in 2012 we were still losing money and so in June we went ahead and we said I'm going to try to do it on my own and so that's kind of when I started with The Dividend Machine. 

Speaker 1:       How did you hear about The Dividend Machine? 

Ms. Gibson:     Actually, I did a search on the Internet for dividends and I found Bill's newsletter, so I thought I would give it a try.  So, I started reading it and I liked what he had to say and I though I would try.  So, I put my foot in the market very slowly and I actually started with my first total buy was Halliburton, which has been phenomenal cause as of today I have like a 93% return on that and that was in June of 2012 when I first bought that stock so, that is how I actually got started with The Dividend Machine and it's just he writes so straightforward, which I really totally appreciate that. 

Speaker 1:       Well, let's talk about that a little bit more, let's talk about his writing style and everything because a lot of people are literally intimidated; they don't think they can do something like this, but then there are always surprises so reading the newsletter how simple and entertaining it is, they get it.  So, if you would just talk about that some.

Ms. Gibson:     The Dividend Machine is very entertaining to read and I look forward to his weekly, he does like a podcast in the little email he sends out that I love, but it really helped me feel comfortable in the market, which I don't think I felt that way before and that I decided that he has expertise and after he would suggest the stock I would research it and I realized that he's pretty much right on everything and so that is why I continue -- I mean he is my top newsletter.  I just absolutely love his newsletter.  He has been phenomenal for our portfolio.  I've gained back everything I lost and then some in a year and a half.  So I'm really have been so excited about his newsletter, as your can tell. 

Speaker 1:       Let's talk about that a little more.  I know you mentioned Halliburton, you made some money.  Is there any other investments you had that made money?  And if you would, don't actually say the name of the investments because I don't think we going to air them, but if you could just say, you know, for one position I, you know, I'm up 93%, another one I'm up, you know, about 60%, some stuff like that that would be great. 

Ms. Gibson:     Okay.  Yes, and then I have bought some other positions and probably the ones that are pretty exciting right now is that I had two positions I just bought and I bought one in January and another one again in February and they are up like 15 and 29%.  So one's up like almost 18% in a month and another one 29 in a little bit less than two months, but my other returns have been high, 80%, 43% and I could just go on and on but they have been extremely good. 

Speaker 1:       Okay, awesome.  Alright then, before you came into The Dividend Machine and some of this might sound like we're rehashing a little bit and that's okay. 

Ms. Gibson:     Okay.

Speaker 1:       That was a good call, Christian.  This is the problem with always filming outside.  We're trying to get a little more, just like all over the place versus our studio.

Ms. Gibson:     Right.

Speaker 1:       And then you always have this random stuff happening. 

(Background conversations)

Speaker 1:       Your investments and everything that you were doing before Bill versus what it is now, maybe that can go beforehand, it was like there is uncertainty out there.  A lot of people have that because you don't really know where to go versus what it's like now, now that you have The Dividend Machine. 

Ms. Gibson:     Okay, you are going to have to rephrase again.

Speaker 1:       So, before and after The Dividend Machine, what's the difference when it comes to the certainty about your finances. 

Ms. Gibson:     Okay.  Before The Dividend Machine, I had a 403(b) cause I am a public school teacher and the only things we could invest in were either annuities or mutual funds so I just did mutual funds, but we were also saving for our Roth and I wanted to do stocks and I did do some stock picks but they just weren't very good, so I was very uncertain in that area and I felt like, however, cause I've read a lot that I should be able to get some help somewhere to kind of guide me, I guess on this path of investments and that's when I found The Dividend Machine; that was a big huge help.

Speaker 1:       Let's talk about now (and that's a perfect answer) and now when it comes to your investments, how do you feel, are you, you feel more confident, do you feel a little more secure in your retirement, as your approach retirement, or I think you are you ...

Ms. Gibson:     I am; my husband is not though.

Speaker 1:       Okay.  So how much more confident do you feel about your financial future?

Ms. Gibson:     Oh, well since I am with The Dividend Machine I feel very confident that I can go ahead and, you know, run a portfolio because my husband has absolutely no interest in that, but probably more important is for our two sons; that I tell them that they need to start reading The Dividend Machines and doing investments on their own because I guess we lost so much money paying a financial advisor that it's just - I feel sad about that - if I had found Bill earlier, it would have been a whole different story, but for retirement, I'm feeling very confident about our retirement.  I don't really don't have any concerns anymore about that. 

Speaker 1:       Alright, good, and that's good and makes me feel good as the publisher, we're publishing all this stuff and I want to make sure that …

Ms. Gibson:     Right.

Speaker 1:       … everyone's reading and enjoying it and so I guess it's reassuring that hey, we're doing the right thing; everyone's going in the right direction.  So, you mentioned you told your sons about this, what did you tell your sons about The Dividend Machine?

Ms. Gibson:     First of all, I had my newsletter there when they would come to visit and I told them to read it because it's message is so good and I think a lot of it is geared that the young people can appreciate, which they did; they do appreciate cause they Roths that they've opened up and I would prefer they would buy stocks in the Roths overall, and then basically a good dividend paying stock, but they need to do their research first or subscribe to The Dividend Machine to help them pick stocks that the returns would be good, cause they have like what, 40 years before they retire and I don't have that luxury of time, but they do and that's the best thing that they could do for themselves. 

Speaker 1:       Alright, awesome.  Have you told anybody else about The Dividend Machine and if so, what did you say? 

Ms. Gibson:     I did.  I actually was in an investment club and I mentioned it to them because we were always concerned about growth stocks, but I said you know what, we need to look at dividend paying stocks and I brought The Dividend Machine newsletter with me and they look at it and they were impressed, the ladies, cause it was formed of 12 ladies (and that was just recently) and so we were talking about newsletters and some wrote down the name for their own personal portfolio besides what we did as a club.

Speaker 1:       Okay, awesome and if you would compare your returns, I know you said you were annuities and mutual funds, and this might be rehash, a subject we already talked about and that's fine, compare your returns before The Dividend Machine to what they are now. 

Ms. Gibson:     The what I had before or what I still maybe have? 

Speaker 1:       Yeah, even in the annuities and the 403(b). 

Ms. Gibson:     Well, okay now, this is really depressing because we have some annuities and one of the annuities in  at the end of okay, when you buy an annuity the year is from when the time you bought it to the next year.  So, in 2012, so we had it from 2011-2012 and our returns on one was absolutely zero and that is the year that I signed up with the Dividend Machine that we started making a lot of money with that, but overall The Dividend Machine has really just, I don't know, has kind of exploded in terms of returns/our portfolio, and so if I'm looking for the gains in overall portfolio, most of that is coming from the choices I made with The Dividend Machine help. 

Speaker 1:       All right, awesome.  If you could, I want to see if we could summarize that a little bit and say that "basically the returns in your portfolio have exploded thanks to The Dividend Machine".  I don't want to put words in your mouth, but something along those lines like -- or at least like something along those lines, if you feel comfortable.  I don’t' want to say exploded, if necessary because -- but ah

Ms. Gibson:     But it did. 

Speaker 1:       But let's talk about that a little bit because I think it's important for people to understand that, like the returns are truly good, and I know this cause I invest with it too.  I have Altria, I have … (and would never expect that to go by).  Let's talk about it a little, let's talk about the fact that, you know, the stocks that have come from The Dividend Machine have just exploded; they've done amazing or something along those lines. 

Ms. Gibson:     Okay.  When I first started with The Dividend Machine I started very slowly because I felt like I was on my own with a little help, you know, with Bill's newsletter, and I start watching what he was recommending and I just start buying what I felt were really good strong dividend stocks that he recommended and they had done so well and then he started recommending some stocks that did not pay dividends and I was not buying those and I was keeping up with them and I thought wow, you know they have done so well and so I started buying basically all his picks and so that's the best thing I could ever done cause our gains have been enormous and so my husband's happy and I'm happy. 

Speaker 1:       Alright, perfect and then let me ask you -- and this applies to some people not others -- but for you like just getting these extra gains and earning this extra money in your portfolio, what has that allowed you to do?  For some people they just have financial peace, for other people it might be, I mean we have already talked to some guys who are like, you know, literally it's paid for my living expenses and stuff like that.  Has it given you any sense of like financial freedom at all?

Ms. Gibson:     Since I invested with The Dividend Machines basically I have financial peace now and I feel like we can do more things.  We've been taking trips and not so much necessarily on the returns cause I'm building our portfolio, reinvesting our dividends, but just knowing that it's growing and growing it makes us more comfortable to spend …

Speaker 1:       (Airplane passes by) Let's start that one over.  Sorry.  Okay, so you mentioned financial peace and that you had been traveling travel and stuff, let's talk about that. 

Ms. Gibson:     Right.  Do you want me to start over on that one? 

Speaker 1:       Yeah, we can start over.  Might as well.

Ms. Gibson:     Okay, alright.  Am I allowed to say Bill's name?  I never know that.

Speaker 1:       Oh yeah, absolutely, you can say Bill.

Ms. Gibson:     Bill, even though I haven't met the guy.

Speaker 1:       Bill Spetrino, you can definitely say it - Bill Spetrino, Dividend Machine …

Ms. Gibson:     Since we started with The Dividend Machine, and I've been investing with Bill, we do have financial peace.  We're much more comfortable, it's about spending money like we've been on some trips overseas.  Basically, with The Dividend Machine what I'm making there I'm just reinvesting our dividends for growth for when my husband retires that we would be able to do even more traveling because that's on our bucket list of things to do and we also want to provide for our sons, you know, and they are still young, so they're not married yet, but you know eventually maybe our grandchildren. 

Speaker 1:       It's awesome that your sons both have Roth IRAs already.

Ms. Gibson:     Right.

Speaker 1:       You guys are advising right.  Do the Roth, you know, invest in that way.  Your tax bracket is probably lower than one year later, so it's good. 

Ms. Gibson:     There's one thing I want to say on this, if that's okay? 

Speaker 1:       Go for it.

Ms. Gibson:     It might be just totally off the thing, but, I really believe in saving for retirement and, of course, I have been a teacher for 30 years and we can put in for like a 403(b), but when I would talk to the teachers about putting in for a 403(b) or 4A Roth, a lot of them would say what is that and these could be young teachers or older teachers, whatever.  So, I would start talking to them about that and would tell them that they would need to start investing on the side for themselves and I had wished that I had known about Bill's Dividend Machine then because some of them would come to me and say, Ok Lynn I want to know everything you can tell me about how would I set up a Roth and I would tell them and they said well can you make any suggestions.  Well, of course, I wasn't comfortable with that, but I would have been so comfortable giving them Bill's Dividend Machine newsletter and tell them that they need to subscribe and that would become like their playbook of how they could go ahead and set up for their retirement. 

Speaker 1:       Absolutely.  So, you've definitely told other people about The Dividend Machine newsletter, which you are sharing with other teachers is amazing, so let me ask you this, there's probably some people watching this video, that will be watching the video, who are like you know what I'm hesitant to buy, I don't know if The Dividend Machine is right for me.  There can be various reasons; one of them might just be the fact that they just don't know enough.  What would you say to someone who says, you know what I'm too much of a novice investor for this.  What would you have to say to that person? 

Ms. Gibson:     Oh, I think The Dividend Machine is perfect for a new investor.  Well actually new or older investor, whatever.  They answer so many questions that you might have and the guidance is amazing.  It's just, the way it's written it's just so straightforward and Bill is, actually he's funny and entertaining to read, but basically he is right on the mark.  I appreciate his expertise, how like when he was buying a certain stock that I had and it went down, and he would write up about it, what's going on with the company and if I should still be holding it, which he did recommend it, which I did do, thankfully.  So, he's always right on the mark.  So, for anyone trying to figure out if they should do it themselves, it's easy.  Bill tells you what price you should buy it, get in, if it's overpriced do not buy at that price which I really adhered to and that has been extremely useful.  I don't think I did that one right.

Speaker 1:       No, you did good; that was perfect.  There's a lot of people watching, let's seewhat I do with a lot of people is start some sentences and I let them kind of finish it.  So we'll start with this "for a $100.00 a year The Dividend Machine is … " and just literally say that sentence "For a $100.00 a year, The Dividend Machine is ..."

Ms. Gibson:     Oh, wow.  Okay.  For me for a $100.00 a year The Dividend Machine is a life saver.  It was a game changer for me actually.  It was able to take me from being totally clueless about trading in the stock market to being very successful today. 

Speaker 1:       Perfect.  And then what would you have to say, let's do this "without The Dividend Machine I would …"

Ms. Gibson:     Oh my gosh, be crying in my beer, no.  Oh wow.  Without The Dividend Machine I know I would not be financially where I'm at today.  I got to think on this one, just a second. 

Speaker 1:       But I think too you had mentioned before you were like, it was hard to figure out what to do and now it's like, there's almost like a pathway, a road map to follow. 

Ms. Gibson:     Yeah, yeah.  So, without The Dividend Machine financially I would not be where I'm at today and it has been a road map for me.  I don't know.  I'm pretty passionate about owning The Dividend Machine because it has totally changed how I am able to invest, it's changed our gains, which have been very high, and it's given us so much peach of mind that I would not, I cannot imagine being without it. 

Speaker 1:       Alright, great and then, there's a lot of people may be watching, a lot of teachers in fact that may think they don't have enough money to get started.  What would you say to people who says you know what, this isn't for me, I don't have enough money to get started? 

Ms. Gibson:     Oh wow.  The Dividend Machine is perfect for any novice investor or someone that does not feel like they have very much money.  You do not need basically anything because you are buying stocks and as Bill says the dividends are being reinvested over and over.  So, the worse thing you can do is not invest in the dividend stocks and the best place to go to get advice is actually from Bill. 

Speaker 1:       Alright, perfect.  Let me do this, you're probably flying over here, you think in the night different things you want to tell us.  Do you have anything you really want to tell us?  I'm asking you all these questions, but maybe you have something in your mind and you're like, you know this is one thing I want to get across and you already mentioned one thing, I think, about young people.  You talked about that, which is fabulous, but is there anything else you have to tell us? 

Ms. Gibson:     You know, you are always reading how people are not prepared for retirement, that they're not saving and so many people are just kind of clueless about what to do and so I really wish that people are more aware of what's out there with Bill and his Dividend Machine; that they could go ahead and start today, they can actually start today, and buy one stock.  They could buy 1 share, 50 shares, 100 shares, or whatever they feel comfortable with and they could see what a difference it would make in their lives and they would be prepared for retirement.  The saddest thing for me in the world was when I was getting ready to retire and some of the teachers came up to me and some where older than I was and they said that they would never be able to retire because they had not saved any money outside of their teacher retirement and I said, you know, I have been telling you about, you know, the Roth and the 403(b) and they said I know but I never knew how to get started and so I think Bill is a great starting place for someone that feels that way; that they feel lost and he's just kind of like a guiding light. 

Speaker 1:       Alright, that was a great answer.  I think there's a lot of people that are clueless.  I am 35 years old and I have lots of friends and its funny because I've been investing, I thankfully had a father who taught me how to invest.  He helped me buy my first stock when I was 16 so I have always been doing this, but there's a lot of guys my age who have never invested, they don't even know and even though they see the commercials for E*Trade a hundred times during the, you know, Super Bowl or whatever, they still just don't get it.  They don't get how to just open it and then just buy a stock.  It's really easy to do and they don't get that part. 

Ms. Gibson:     They don't, you know, and it scares me because when I said that there's so -- I would say most of the teachers, I would say like 90% are that way, just clueless and my Principal told me when I retired, she says, you know Lynn, she said I know you told me all these years to be saving, she says, but I haven't, so I don't know how I am going to be able to retire and, off course, I retired a little bit early, but they could all do it.  It doesn't take that much and you know that $100 for his newsletter is like a penny.  I mean if you look in terms of investments. 

Speaker 1:       Perfect.  Do me one more favor and look right into the camera and this one

Ms. Gibson:     Uh, this one? 

Speaker 1:       This one, and say, say your name, say my name is -- sorry I forget your name -- and say my name is and I am just excited, I'm thrilled, I feel blessed to be a Dividend Machine subscriber, something along those lines. 

Ms. Gibson:     Oh wow.  Okay.  Kind of a closing statement? 

Speaker 1:       Yeah, exactly. 

Ms. Gibson:     Oh, wow.  My name is Lynn Gibson and I am totally excited to be a Dividend Machine investor. 

Speaker 1:       Perfect.  Now, let's see if you can do it one more time.  I know it feels kinds of cheesy but …

Ms. Gibson:     Yeah. 

Speaker 1:       Maybe a huh at the end, I'm just messing with you. 

Ms. Gibson:     No, no let me think.  My name is Lynn Gibson and I am a passionate Dividend Machine investor. 

Speaker 1:       Damn.  That is like, this is the best shot yet.  It’s all her, it is.