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for the aggressive investor right they think that theyre better and theyre smarter and they can beat the average indexes because if theyre doing the right research theyre buying the right stocks and theyre investing in the right stocks yes they cant beat the market the problem with that is you cannot time the market and you cannot predict the market so you can make the right decisions and then boom covet hits all right so well get started welcome to the agent q a got your host here John we got special guest Albert Joannes not in for today uh we got a couple of questions for the the public um thats been going on around especially with social media so Albert first question to you can you define an annuity within a what is an annuity within about like one minute just for the the common man to know about it or the lay person yeah well annuities of retirement its its a product that people use for the retirement for for their portfolio its generally started with a lump sum of cas