Anonymous
02/27/2026 19:48
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:We live in Arlington and have passed the 15m marker. Looking at moving eventually but don't want to disrupt the kids too much
Where and why would you be moving?
Because Arlington is almost filled to brim with crazy lunatic liberals who keep electing the same folks to the perpetually tax-increasing county board to fund their wasteful gold-plated pet projects. And then you have this white witch Spanberger who is just icing on the cake. We’re outta here very soon and heading to a state where we won’t have to concern ourselves with these loons.
Anonymous
02/27/2026 16:33
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.
And that’s your equity loans interest rate ? Why would somone worth millions borrow against stocks to maintain basic lifestyle ?
Because you don’t pay taxes on loans only on income/capitals gains. See the “Buy, Borrow, and Die” strategy.
iF you have millions, you are already earning interst and dividends and can harvest gains and losses to lower tax rates.
Anonymous
02/20/2026 07:34
Subject: Do many households here have $15 M net worth or more?
About 95% - based on what I read on this forum. Everyone is loaded! Heck - they should change the forum make - “Money and Finance w/NW over $10m”.
Anonymous
02/20/2026 01:07
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:We live in Arlington and have passed the 15m marker. Looking at moving eventually but don't want to disrupt the kids too much
Where and why would you be moving?
Anonymous
02/20/2026 00:53
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.
And that’s your equity loans interest rate ? Why would somone worth millions borrow against stocks to maintain basic lifestyle ?
Because you don’t pay taxes on loans only on income/capitals gains. See the “Buy, Borrow, and Die” strategy.
You pay interest. I guess if your loan interest is way lower than capital gains rate then it makes sense..
But a lot of people went bankrupt this way in 2008
Anonymous
02/19/2026 20:29
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.
The Chinese have forced tech transfer of asmls and Nikons technology so it’s actually no longer a monopoly. But it’s not a bad investment.
Anonymous
02/18/2026 22:07
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.
And that’s your equity loans interest rate ? Why would somone worth millions borrow against stocks to maintain basic lifestyle ?
Because you don’t pay taxes on loans only on income/capitals gains. See the “Buy, Borrow, and Die” strategy.
You pay interest. I guess if your loan interest is way lower than capital gains rate then it makes sense..
Anonymous
02/18/2026 15:18
Subject: Re:Do many households here have $15 M net worth or more?
Probably 2M and we are about to retire. The pension is generous. We would need 6M to generate that with conservative investments.
Anonymous
02/18/2026 14:58
Subject: Re:Do many households here have $15 M net worth or more?
Anonymous wrote:Read folks: Sarah Ferguson was actually dirt poor asking Epstein to hire her as house assistant. Many “wealthy” people are not as wealthy as they seem
yes, they are from a regular person's standpoint. It's not like Fergie could go out and get a regular job.
Anonymous
02/18/2026 14:56
Subject: Do many households here have $15 M net worth or more?
I've had ups and downs in the past month but I've still made $1 M or about 10% since 1/1 this year in investment income. A good investment advisor is worth it.
Anonymous
02/18/2026 14:46
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.
And that’s your equity loans interest rate ? Why would somone worth millions borrow against stocks to maintain basic lifestyle ?
Because you don’t pay taxes on loans only on income/capitals gains. See the “Buy, Borrow, and Die” strategy.
This works at about $300M+ NW and up. Maybe a little less if you’ve got a strong multi gen relationship w your bank.
Anyone claiming this on under $100M is full of you know what.
Shows how little you know. Have fun paying your taxes to fund all the govt fraud and waste.
Anonymous
02/17/2026 14:44
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.
And that’s your equity loans interest rate ? Why would somone worth millions borrow against stocks to maintain basic lifestyle ?
Because you don’t pay taxes on loans only on income/capitals gains. See the “Buy, Borrow, and Die” strategy.
This works at about $300M+ NW and up. Maybe a little less if you’ve got a strong multi gen relationship w your bank.
Anyone claiming this on under $100M is full of you know what.
Anonymous
02/17/2026 14:20
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.
And that’s your equity loans interest rate ? Why would somone worth millions borrow against stocks to maintain basic lifestyle ?
Because you don’t pay taxes on loans only on income/capitals gains. See the “Buy, Borrow, and Die” strategy.
Anonymous
02/15/2026 17:30
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.
And that’s your equity loans interest rate ? Why would somone worth millions borrow against stocks to maintain basic lifestyle ?
Anonymous
02/15/2026 17:29
Subject: Do many households here have $15 M net worth or more?
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Has anyone noticed that in DCUMlandia nobody has EVER picked a stock loser?!?
This place is magical.
lol. I bet $5k on Nokia a long time ago because they were going to be the comeback kid with Windows phone. Despite lots of insight into tech markets I've never managed to pick a big winner deliberately. Now I just invest in VOO.
All the "experts" on here are full of it. If it's so easy to go from 200k to millions then it should be equally easy to do it again and go from millions to 100M and then a billion. Just keep betting it all on the next winning horse.
PP here who made that $190K “bet” on AZO in 2002. Never said I was an expert. I’ve had my share of losing investments as well.
And now I’m working on my next $10M LOL. Bought into a San Diego based tech company called Cymer in the late 1990s. I doubt you’ve heard of it. This company developed the technology to make EUV lasers for photolithography. They were bought by a Dutch tech company called ASML in 2013 in a cash/stock deal when ASML was trading around $75/share. You may have heard of this company. They are in my opinion THE ultimate tech company. They have a monopoly on EUV photolithography for making advanced chips. Without their advanced EUV photolithography machines to make cutting edge chips there is no AI, Nvidia, iPhones, Apple, Meta, Taiwan Semiconductor, Google, Samsung, Intel, AMD, Micron, etc. The modern tech-based economy would not be where it is today. ASML is current trading around $1400 per share. Successful market beating individual stock investing can be done by us lowly common folk without the Ivy League degree or the high power finance career. Happy investing.
So you had $2M 24 years ago and you only have $10M now?! So you didn't replicate it. Hope you don't lose it all now on this unicorn stock.
What? No. $10M from that one investment. I didn’t mention my other investments Sorry I wasn’t clear.
You need to diversify. These companies still have their life cycle
I’ve moved some into other investments in aerospace, nuclear, machinery, robotics, oil, rare earths, medtech and biotech. Semiconductor is definitely cyclical so watching that with ASML. For AZO I haven’t sold one share in 25 years but I do borrow off of it with equity loans to fund some of my lifestyle. Thanks for the advice.
All of the listed went down a lot in recent months. I don’t believe a word of it.