In this podcast, Motley Fool analyst Jason Moser and host Ricky Mulvey discuss:
- Why Alphabet is spending $32 billion on a cloud security company.
- BYD's announcement that it can charge an electric vehicle battery in 5 minutes.
- Robinhood rolling out prediction markets on its platform.
Then, Motley Fool host Alison Southwick and personal finance expert Robert Brokamp answer mailbag questions about keeping cash on the sidelines and health savings accounts.
Got a question for the show? Email podcasts@fool.com
To catch full episodes of all The Motley Fool's free podcasts, check out our podcast center. When you're ready to invest, check out this top 10 list of stocks to buy.
A full transcript is below.
This video was recorded on March 18, 2025
Ricky Mulvey: A major technology company was caught taking a Wiz. You're listening to Motley Fool Money.
I'm Ricky Mulvey, joined today by Jason Moser. Jason, we got a big deal. Appreciate you being here.
Jason Moser: Ricky, happy Tuesday, thanks for having me.
Ricky Mulvey: Alphabet is looking to purchase cloud security company Wiz for $32 billion, trying to follow through on a purchase that it intended to make last summer. Ja Mo, last summer, Google was ready to spend 22 billion on this company. Now it's 32. You have to think, it must have been painful for Google to hold it this long.
Jason Moser: I suspect so. I can see why Wiz would want to play their cards close to the vest. It feels like Wiz was in a position of power here because Google clearly wants this company, wanted it back then, wants it now. When the deal was initially announced last year and ultimately didn't work out, there were regulatory concerns, of course, and I think in that regulatory environment, chances were lower of the deal going through, but there was also talk of Wiz potentially pursuing an IPO, as well. Fast forward today, they're commanding a nice little premium, and that all feels, I'm sure, a lot better for leadership there. Thankfully, on the bright side, at least here, Ricky, Google can afford it. There's that.
Ricky Mulvey: Google has about $100 billion in cash on the balance sheet. This is 32 all-cash deal. Alphabet trying to build up its cloud business and Wiz plays in this space of if you have data that's on the cloud, they draw up these nice graphs to show you where your data is and how it could potentially be attacked. Not so much the endpoint security, your laptops, phones that CrowdStrike protects. If you have a large language model and you're worried about a bad actor poisoning your training data where that large language model lives on the cloud, you use Wiz to protect your IP in this complex messy area. Why does Alphabet want Wiz? Why is it spending so much money to get it?
Jason Moser: They called this morning. If you go to the call and listen to what Sundar Pichai had to say, he was talking about, obviously, this big move toward AI and all of the opportunities that it brings, but it also brings plenty of risks. A lot of these cloud service providers, they are trying to look toward having a multi-cloud strategy, the hybrid Cloud. That's becoming the norm, and so that I think has a lot to do with this. Wiz is going to give them more of that capability. If you ask the question, what are the benefits of multicloud? There are a lot.
If you just think about it from the simplest perspective having one cloud provider versus having multicloud, multicloud, you avoid that vendor lock in, you have more enhanced reliability and ultimately redundancy, so if one fails, there's another one to pick up the slack kind of like having a generator in your home. Power goes out, generator kicks on. You've got redundancy there. It absolutely can lead to improved performance and innovation, increased flexibility and scalability, and then ultimately cost optimization. I think from a lot of perspectives there, it's understandable that Google really wants to incorporate this multi-cloud strategy to their cybersecurity solutions and it seems like Wiz is going to be the easiest way for them to do it. Though, like we've said, it's going to cost.
Ricky Mulvey: Lauren Thomas and Berber Jin have a story about the deal in the Wall Street Journal this morning, and they wrote that, "The acquisition could help boost Alphabet's efforts in cloud computing an important and growing business, but one where it has lagged behind its peers." Do you agree? Is this a space where Alphabet has lagged behind?
Jason Moser: I think so, for the most part. When we look at the evolution of this space, this speaks to, I think, how quickly we saw companies like Amazon and even Microsoft ramping up their cloud strategies, there's a lot to that first-mover advantage. I think Amazon through AWS has really been the poster child for exploiting that. If you look at the differences there, initially, Google's Cloud strategy focused very heavily on developers and start-ups, which was fine, that was valuable, but it didn't really capture this large enterprise market opportunity, as opposed to something like Amazon did. They started very much focused on enterprise-level solutions.
With all that said, I want to be clear. Why we say Google has lagged? It has, but it is not underperforming. They are absolutely growing. You saw annual revenue from Google's Cloud services increase from nine billion dollars in 2019 to $43 billion in 2024. The announcement today certainly gives them the opportunity to keep that ball rolling. Yes, they've lagged, but they are making every effort to try to pick up some of that share. All signs indicate that they are actually picking up share in the space, so that's encouraging.
Ricky Mulvey: Let's look at the deal itself. This is an all-cash deal. Google is not issuing new shares in order to take Wiz. Does that signal anything to you? What does it mean for shareholders when a company is just plugging cash to go get another business and not using any other financing means?
Jason Moser: I think it's encouraging, in this case, when you consider the size of Alphabet's balance sheet. You mentioned it earlier. They have $95 billion plus in cash and equivalents on the balance sheet there. You got to figure out a way to put some of that capital to use. You can't let it just sit there for too long or else investors are going to start asking what are you doing for me now. It's not about what have you done for me lately. It's like, "What are you going to do for me next?" When you have a balance sheet of that size, you really have to start being able to try to come up with some solutions to put it to good work, and this seems like a reasonable case. Although I will say this is not a cheap deal by any means for Google. If we look at the numbers for Wiz, I think it's something like $350 million in recurring revenue in 2023, they're aiming for projecting one billion dollars this year 2025. That's 32 times sales you're paying for this business. Now, maybe it works out, but again, it goes back to that point, they are absolutely paying up for it.
Ricky Mulvey: Cybersecurity is one of those areas that is well outside of my circle of competence. If you like the Lyncean approach, cybersecurity is tough because you can't really sample the goods. You got to watch YouTube tutorials, which may or may not be sponsored. You look at demos. You hear what other people are saying. You can look at net revenue retention. Still, this is one that is outside of my circle of competence. Are you still a cybersecurity ETF guy, or do you have any favorites in this space for investors who know that this is where companies are spending a lot of money?
Jason Moser: I personally have enjoyed learning more about the cybersecurity space as I've come along as an investor, but I will say I love the ETF perspective when it comes to this. That approach, I think, works very well. You look at ETFs out there like the First Trust, Nasdaq cybersecurity ETF. That would be one way to play it. That's up almost 200% over the last five years, well ahead of the market. With that said, I do think that with cybersecurity, because it's such a broad offering now, they're not all apples to apples. There is a way, I think, for investors to take a basket approach to it by owning a handful or several leaders in the space. I'm thinking of companies like CrowdStrike, CloudFlare, Zscaler, maybe Palo Alto. I think there are a couple of different ways to approach it, but absolutely, for folks who feel like cybersecurity is too difficult to understand, it's outside their circle of competence, that may be true, but it also is a very, very important space, and it's just going to grow in importance as time goes on, so looking at those ETF options, I think is a great way to do it.
Ricky Mulvey: Let's talk about this BYD story. Chinese automaker BYD announced a line of cars that has a battery that can provide about 250 miles of range on a five-minute supercharge. For context, Tesla superchargers can do about 170 miles, but that takes 15 minutes. Who has the time for that? When you look at this story, Ja Mo, is this a cool trick or do you think this is a transformational moment for EVs? Is the time to plug in is pretty close to the time it takes to fill up a combustion engine with regular gasoline?
Jason Moser: I think this is a big deal. Range anxiety is a real thing, Ricky. I get range anxiety with my lawnmower. I've got a little less than an acre to mow here. I have a battery-powered lawnmower. It's terrific. I love it, but those batteries run out and then you got to charge them back up and it takes forever. I got this new lawnmower for Christmas with this rapid charger, and it cuts the time of charging in half. If I'm having that kind of range anxiety with my lawnmower, I can only imagine how people feel with their cars. I think this is the trend that needs to continue for EVs to become more attractive to the masses because when you ask people what's holding you back, typically, it is something that revolves around range anxiety, and so reducing those charging times could have a very material impact on the upside for all of these EV companies.
Ricky Mulvey: Worst-case scenario with your mower running out of battery, your lawn has a mullet, but in this case, you could be stranded in the middle of nowhere as you realize you don't have the right plug or maybe there's too long of a wait. Now it's going to take you an extra hour to get somewhere. I think it's a big deal, too.
Jason Moser: Give it the old Kenny Powers.
Ricky Mulvey: Bloomberg points out the BYD now at a $162 billion market cap. This is one that investors are excited about. The company does not sell cars in the United States. Anyway, this is now a company that is worth more than Ford, General Motors, and Volkswagen combined. You see investors paying up for growth because BYD sold about 4.3 million cars in 2024. I want to be clear. That comes from a website called carnewschina.com, Ja Mo. Maybe take it with a grain of salt, but if we believe those numbers, that is an increase of 40% year on year. The group that I mentioned previously, Ford, GM, and Volkswagen, they sold about 19 million cars in 2024, 5% increase from the previous year. What's the market saying giving BYD that kind of premium now?
Jason Moser: I think that's fair. Take that number with a grain of salt. This is obviously a market with which we have access to limited information, but I think ultimately, when you look at the optimism in BYD, this is just because the market ultimately sees where the puck is headed and views BYD as a company helping lead that charge in its respective economy. See what it did there leading the charge, Ricky?
Ricky Mulvey: Nice.
Jason Moser: I think it's less about the numbers. Those numbers tell a tale, BYD growing more than 40% versus what you said 5% for those other. That's a big deal. I think it's ultimately less about the numbers today, though, and more about the direction in which they're trending. Just like we always say with the market, it's a forward-looking mechanism, and these are forward-looking numbers that are telling us BYD is clearly doing something right.
Ricky Mulvey: One thing that I'm somewhat hopeful of is I don't see myself driving a BYD car, even if they are able to be sold in the United States, but I'm hoping there's some market compression that comes from this because right now, BYD offers advanced drivers assistance for new vehicles that cost less than $10,000. Yes, there's subsidies there. While we may not see a self-driving EV from China anytime soon in the States, I'm hoping that might put some pressure on carmakers here saying, "When you buy a car, all of the software is included. We're not doing this as a monthly subscription thing." Is this fantasy thinking, or do you think self-driving is going to eventually become a part of an overall car purchase?
Jason Moser: I don't think that's fantasy thinking. This ultimately is going to push all the autos to improve and compete or ultimately be left behind. Now, I think as we see the full self-driving technologies, it becomes more and more common and more reliable and more mainstream, then I think it becomes more like a standard that most vehicle companies would be offering. You mentioned it just right there with ADAS. That's something that has made a lot of progress. Now we see more and more ADAS in cars today is just standard offering.
I think in the near term, until we get there, companies see this as a way to monetize beyond the sale, and that obviously is very attractive. Sell the car and then maintain some kind of an ongoing relationship that rubs against the historic norm of what ultimately buying cars is about, but if everyone has it and everyone's charging for it, then someone is going to jump in there eventually and say, "Hey, you know what? We're going to include it in the price of our car, not force you to pay something more ongoing," and that could ultimately be a competitive edge. I think as this stuff becomes more mainstream, then we see it follow that same pathway as the traditional ADAS we're seeing in a lot of vehicles today.
Ricky Mulvey: Look at that. We talked about Tesla without talking about Tesla. You see what I did there? [LAUGHTER] Let's do this gambling/not-gambling story. Robinhood rolling out prediction markets in its app. It's tried to do this before, especially with the Super Bowl got shut down. I think it did it with the presidential election, but now having a part of its app where traders can bet on the federal funds rate and the outcomes of March Madness games. We'll focus on March Madness because I have to think, Ja Mo, that this is a real problem with sports books where they have had, let's say, for a spread bet, that -110 bet since the mid-20th century. As these online sports books have exploded, you haven't seen that margin really collapse. Now, it finally appears that that may be doing so with these prediction markets, as they get more widespread. Do you think this is a real problem for your sports books like FanDuel owned by Flutter Entertainment and DraftKings?
Jason Moser: It's possible, but I don't think, really. If anything, I think this could force them to evolve or bring more offerings to their platform, but as it stands right now, these are a bit different. I think when you look at Robinhood, for example, this is another way for them to potentially boost that average revenue per user. We saw on most recent quarter that that number grew by 102% from a year ago. If you look at Robinhood today, the 25.6 million funded accounts as of February 2025. Now, you compare that to something like a DraftKings with their most recent quarter, their total customer base grew 42% year of year, but just 10.1 million.
With that said, these are very different offerings. You're going to Robinhood for one thing, you're going to DraftKings for another, but I do think incorporating this sort of prediction market app into Robinhood. It's interesting, but I think it could be even more interesting for the potential for these sports books to evolve and keep offering more for their platforms to increase engagement and ultimately the active users and money flowing through those networks.
Ricky Mulvey: This is being done in partnership with a company called Kalshi. If you look at their website, you can find everything from who's going to win the first round of March Madness games to what will the average temperature be in New York City tomorrow?
They're cleaning up gambling, in a way, or giving it a veneer, I should say. What is the difference between a sports event contract and gambling?
Jason Moser: Well, speaking of the first round of NCAA, let's just go Wofford Terriers. They got seated up against number 2, Tennessee. I'm not calling a win here, Ricky, but these guys are a strong team. Let's go, Wofford. With that said, the difference between sports, event, contract, and gambling, gambling ultimately is a game of chance where you're betting against the house. You get set odds, those odds can fluctuate, but it's just ultimately a game of chance where you're betting against the house. Event contracts function more like a marketplace, where folks, traders can buy and sell those contracts based on predictions of an event's outcome, and those prices can fluctuate based on perceived probabilities. Then also oftentimes those contracts are structured as derivatives, which are just ultimately financial instruments that derive their value from an underlying asset or perhaps event. Certainly a much more evolved, but I would say much more likely to constantly be changing, it would be the nature of a sports events contract, whereas gambling is a little bit simpler, I guess.
Ricky Mulvey: Wofford, for a $1 contract, it's $0.06. Not a lot of people believe in your Terriers versus Tennessee.
Jason Moser: Well, there were a lot of people midway through the season, Ricky, that didn't believe that our boys were going to win the Southern Conference, but they really brought home the bacon. That was a tremendous win to get that Southern Conference tournament. I think getting into the NCAA this year is a victory in and of itself. Congratulations, guys.
Ricky Mulvey: Then as we wrap up here, any thoughts on investing and gambling adjacent activities, being in the same app? I know you can trade options on your Schwab, but this seems a little different once we're having the sport event outcomes being able to be traded upon in the same place where you're buying ETFs and stocks for your IRA.
Jason Moser: Well, I have to believe you can guess my answer on this. I do not like equating the two. Gambling and investing are two very different things. I don't like equating the two, particularly for folks who are more interested on the investing side. We don't want that mindset to ever really sink in that, well, investing is really just gambling because it's not. It's based fundamentally on businesses and how those businesses are performing. I think bringing these two under the same platform can send mixed messages, particularly for younger investors just getting into it. It can promote less than rational behavior. Not the biggest fan, but listen we just have to deal with the cards we've been given.
Ricky Mulvey: See what you did there. Jason Moser, appreciate you being here. Thank you for your time and your insight.
Jason Moser: Thank you.
Ricky Mulvey: Up next, Alison Southwick and Robert Brokamp take on some of the questions you emailed us at podcasts at fool.com. This time answering ones about keeping cash on the sideline and inflation assumptions for retirement.
Matt: Hello. My name is Matt.
McKinley: I am McKinley. We are the father-son team that brings you History Dispatches.
Matt: History Dispatches is a short daily history show where we talk about topics from all over the world and all throughout history. We talk about people, places, events, and even objects.
McKinley: While anything is fair game, we have a soft spot for the weird, the wacky, and the obscure things you may have never even heard of.
Matt: Do you have any examples?
McKinley: How about Washtek, the bear who rose to the rank of corporal in the Polish Army or the Great Emu War? Or how about the biggest treasure take in the history of piracy?
Matt: That sounds cool, but do you have a story about the head of Oliver Cromwell? What about the ancient Library of Alexandria? A story about the first woman to climb Mount Everest would be cool.
McKinley: Well, we got those as well. Every weekday, there's something new and fun.
Matt: Sweet. How do I get this trove of goodness?
McKinley: All you have to do is go to historydispatches.com or just look for History dispatches in your favorite podcast app.
Alison Southwick: Our first question comes from Charlie. I've been listening to Motley Fool Money for about a year now and have transitioned into the financial services industry, building a career in financial planning and wealth management, mostly due to my interest in the field that your podcast provided me. That's nice. With the current market situation and outlook, it made me think about the common sentiment to have cash on the sideline when buying opportunities present themselves. Is there a guideline for a percentage of net worth that should be kept available for situations like we are seeing?
Robert Brokamp: Well, first childhood congrats on the start of your career I would say that working in the financial service industry can be rewarding on so many levels, financially, intellectually, socially as you work with people. But the first few years can be tough, depending on how you get into the biz. Best of luck to you. And if you like the work, stick with it because it'll eventually get better. As for the amount of cash as a percentage of net worth, it's dependent on each person's situation, but I'll start with a few Foolish guidelines. As we said, a million times before, any money you need in the next three to five years should be out of the stock market in cash, maybe short to intermediate-term bonds. Then there's that emergency fund of 3-6 months' worth of essential expenses in case something happens to your job.
Some experts recommend that it should be even more, and I do think that the current conditions warrant having a bigger emergency fund, and I'll talk a little bit more about that in my answer to the next question. Now beyond that, you might want to have some so-called dry powder in your portfolio so that you'd be ready to buy stocks if they go on sale. A rule of thumb that we've had in Fooldom for many years, is that amount could be 5-10% of your portfolio. Given that the valuation of the US stock market is on the high side, I can see the argument for having actually a little bit more in cash than normal, but cash is over the long term, a drag on the portfolio's performance if you don't eventually put it to good use. Don't go overboard, especially if you're young and you're many years from needing the money. Another strategy that some investors follow is to not reinvest dividends or interest paid by any of their stocks bonds or funds, and you instead let that accumulate as cash until you eventually find a good way to invest it. That could be another opportunity fund, so to speak. Finally, as someone who's still working and ideally contributing to your 401K every paycheck, maybe an IRA as well, there's always more cash going into your portfolio, so you could use that cash to invest in what you see as undervalued opportunities.
Alison Southwick: Next question comes from a worried Fool. I work in tech and believe that I could be laid off in a few months. I'm sorry. Should I still contribute to my Roth IRA? My plan is to pull the contribution in case I get laid off, but I don't know if there are any tax implications I should know about.
Robert Brokamp: Well, I'm very sorry to hear that. I do think that now is a good time for every worker to take a good look at their job security. We've all heard about the cutbacks and layoffs in the federal government, which is also affecting employers who get money from the government, government contractors, universities, museums, and it'll spill out into the businesses around those employer's restaurants and dry cleaners and whatever. Across the economy, layoffs in February were the highest since 2020, which was back during the days of the pandemic. I also think with the uncertainty over tariffs and potential trade scuffles, employers are becoming a little more hesitant to hire, and we saw that in the jobs report that came out in early March.
But this has been going on in tech for a few years. I think our worried Fool is right to think about making sure that he has enough money on the side or he has enough money on the side to weather a job loss. To get to the question about whether you should contribute money to a Roth IRA, I can't give personalized advice, but more than 20 years ago, I can't believe it was that long ago, I wrote an article about using the Roth IRA as an emergency fund because you can always take out the money you contributed tax and penalty-free. It's pretty easy. However, once you withdraw the earnings before age 59.5, you may pay taxes and penalties. If the emergency never arises, then that money just keeps growing on its tax-free way. I will point out that this is just for the Roth IRA. The Roth 401K is different. Every withdrawal from a Roth 401K is a proportional mix of contributions and earnings, so a non-qualified early withdrawal will be partially taxed and penalized.
Then finally, I'll just say, the other thing to think about is think through how likely you'll need the money if you do get laid off. Does your company have a history of offering a good severance package or do they tend to do the bare minimum? What unemployment benefits could you expect in your state because each state is different. What other backup plans do you have for getting a job or downsizing expenses? Those are all factors in the size of your emergency fund and where you put it.
Alison Southwick: Our next question comes from Lance. I'm going to retire in a few years. How should I plan for higher inflation for longer? Are treasury inflation-protected securities, TIPS a good idea for a portion of my portfolio?
Robert Brokamp: Well, Lance, I don't have a prediction about whether inflation will be higher for longer, but I think it's a possibility that you should always factor into your plan. As for what the experts are predicting, the Philadelphia Federal Reserve does a regular survey of economists, and they expect inflation to be just 2.3% on average over the next decade. And that's also what the bond market is predicting, which can be derived by just looking at the difference in interest rates between the 10-year treasury and the 10-year TIPS. That seems a little low to me, but that's what they're predicting which brings us to TIPS. Basically, here's how they work.
They pay an interest rate that is fixed at purchase, and the principal adjusts upward or downward every six months according to increases or decreases in the consumer price index. At maturity, you'll get back the original principal price or the adjusted principal value, whichever is greater. Interest is paid every six months on the adjusted principal amount. The payout increases if the CPI increases. The yield on TIPS have come down a good bit so far this year as investors have fled to the treasury market. Right now, the yield on the five-year TIPS is around 1.5%, and the yield on the 10-year TIPS is a bit below 2%. Now, those yields sound very low, but the way to think of them is that's how much you can expect to earn on top of inflation. The higher the inflation in the future, the more TIPS will return. The bottom line is that TIPS, I think, can be a good hedge against inflation. I own some myself, but they're really quirky investments, so you got to make sure you take the time to learn more about them. One resource is treasurydirect.gov, and another is tipswatch.com, which is run by journalist David Anna, who's been investing in TIPS for more than 25 years, and he does a really good job of explaining how the TIPS market works.
Alison Southwick: Our next question comes from Catherine. Can money in a health savings account or HSA be used to pay for Medicare?
Robert Brokamp: The HSA is a great account because it has triple the tax benefits. Contributions are pre-tax. The growth in the account is tax-deferred, and the withdrawals are tax-free if used for qualified medical expenses. What if you use the money for other purposes? Well, you're going to pay taxes at a 20% penalty, so it's pretty steep. Now the good news is that, yes, you can use your HSA to pay for most Medicare expenses, including Medicare Part B, Part D and Medicare Advantage plan premiums, deductibles, co-pays, co-insurance, all that good stuff. The only thing you can't use it for is to pay premiums for MedCaP policies. Also, once you turn 65, you can use your HSA for any expense. If it's not a qualified medical expense, you'll still pay taxes, but not the 20% penalty. Finally, just know that once you're covered by Medicare, you can no longer contribute to an HSA.
Alison Southwick: Our next question comes from Patty. How can I determine if it is worth it to do a Roth conversion if it puts me over the Medicare IRMA limits?
Robert Brokamp: Well, let's start with the decision to convert traditional assets to Roth assets. It makes the most sense if you expect to be in a higher tax bracket in the future, because what you convert from traditional assets, the amount you convert, gets added to your taxable income. If you convert $25,000 this year, you're going to add $25,000 to your ordinary income. You're going to pay taxes on that. But you should also think about how it'll affect other aspects of your finances because there are many aspects of your finances that are determined by a modified adjusted gross income, such as credits for going to college. Maybe the premiums you pay for if you're on the Affordable Care Act, maybe you're paying back school loans based on your income, and if you do a conversion, that'll change all that. But another way is the income-related monthly adjustment amount to Medicare premiums, also known as IRMA.
Essentially, if you earn above a certain amount, you'll pay more in monthly Medicare premiums, and it's based on your tax return from two years ago. If you're going to take Medicare at age 65, you need to start thinking about IRMA when you're around 62 or 63. The truth is the majority of people don't have to worry about this because the limits for these IRMAs adjust every year. For 2025, if you're single, you don't have to worry about it if you earn less than $106,000. If you're married, you don't have to worry if you earn less than $212,000. Only about 10% of Medicare beneficiaries actually pay the IRMA. But if you do a conversion, it could put you over those amounts. There are actually five brackets. The next bracket up would add $74 a month to your Medicare premium, twice that if you're married. All the way up to the highest Herma bracket, it adds another $443 to your monthly premium. It depends on which bracket you're in, and it's really just a question of the costs and benefits of doing a conversion to each person's particular situation. If converting would result in higher taxes and higher Medicare premiums, then it might not be worthwhile. You'd have to expect to be in a much higher tax bracket in the future for it to pay off, or you're converting for other reasons such as, you want to avoid required minimum distribution since Roths aren't subject to RMDs, or you have the goal of leaving tax free assets to your kids.
Ricky Mulvey: On Wednesday and Thursday's show, we're going to have some analysts answering some of the more stock-specific questions that you sent us. If you have any questions for the show, email us podcast@fool.com. That's podcasts with S at fool.com. As always, people on the program may have interest in the stocks they talk about. The Motley Fool may have formal recommendations for or against some buyers sell stocks based solely on what you hear. All personal finance content follows Motley Full Editorial standards and are not approved by advertisers. The Motley Fool only picks products that it would personally recommend to friends like you. I'm Ricky Mulvey. Thanks for listening. We'll be back tomorrow.
