Wall Street Playboys - Advice from Real Wall Street Professionals
March 22, 2020 by Wall Street Playboys 214 Comments
Q&A is now CLOSED
March 22, 2020 at 2:32 pm
Still *VERY* new to all of this, so bear with me (just bought your third book recently)
Trying to avert financial disaster with the recent events occurring right now….
Currently have small position in gold/silver/crypto, and have low cost of living so can survive on that front for quite a while so not worried there…..
What would you recommend to insure/hedge against currency devaluation of the CAD ? holding a significant cash position and not currently invested in the markets, i’m worried about deflation of the USD leading to a very weak CAD, at least in the short – midterm. What would be the prudent thing to do? Or should i do nothing and just hope to ride it out? Very troubling times indeed.
Wall Street Playboys says
March 22, 2020 at 3:00 pm
Sounds like you’re fine? Maybe a small position in USD as well.
March 22, 2020 at 5:17 pm
So you don’t consider the annihilation of the $CAD and Canadian economy as a probable outcome in the future, i guess? Worried because alot of our economy is energy/oil based, which is being decimated.
March 22, 2020 at 5:19 pm
Don’t know Canadian economy well enough to comment so don’t want to make any predictions about canada
I am a constant reader of your posts, but not from U.S, i am from Colombia.
In this moment i am afraid of the repercussions of an Hyperinflation or Stagflation in the US, as my country is one of the biggest exporters to the US, and we as a whole are highly dependent on it. (important to highlight we were already in recession)
1. What do you think could be any solutions or opportunities on this situation?
2.Do you see starting an affiliate site right now as a bad move?
March 22, 2020 at 2:59 pm
1) do not know do not live in colombia
2) yes affiliates will always be around so you should take this “free” time to learn as much as you can about online sales.
Multiple Revenue Stream Brah says
March 22, 2020 at 2:39 pm
1. Advice for where and how to buy physical gold? Online bullions charge a 5-20% premium over spot price plus the risk of loss during shipping. But local dealers seems like a greater chance of counterfeit.
2. What timeframe do you put on widespread acceptance of crypto?
I ask because you’ve tweeted recently about how real wealth is measured on a relative basis. I have a similar thought but about the position of the US economy. We might be f*cked, but it seems like everyone else is too, and yet we remain so much farther ahead of everyone from an economic and military strength that even though dollar devaluation seems inevitable, it looks like the only competition to the USD at this time is crypto. But crypto still has so many practical barriers to widespread use that I don’t see how COVID19 could be what kills fiat. So while I’m buying crpto, I’m considering it more of a store of value / diversification tool, rather than expecting to actually use it as currency within the next 5-10 years. Do you agree?
March 22, 2020 at 2:55 pm
1) local dealers is fine if you’re smart about it and do some research. If you’re doing small purchases paying a premium of low single digits shouldnt matter since its doomday insurance not an investment
2) probbaly 5-10 years is right
March 22, 2020 at 2:40 pm
24 year old here. Just got into SAAS sales, entry level following your advice. I was saving heavily for the past 2 years at 50% rate and have about 50k in cash. Currently learning copywriting and hope to get into affiliate marketing by the end of this year.
I would like to invest the cash somewhere. I already have 5k i crypto but i was thinking either stocks or possibly real estate as a way to get passive income. Whats your take on my situation. My biggest concern is my money losing value fue to inflation.
Keep doing what you are doing and much appreciated.
March 22, 2020 at 2:54 pm
You are smarter than this for the 1,000,000th time, unless a millionaire portfolio management is a waste of your time. Start second stream asap when dust settles.
Cloud Sales says
March 22, 2020 at 2:42 pm
Long time reader and grateful for your guidance all these years.
I’m 27 years old selling mission critical Enterprise Software. Currently have $250K CAD cash in the bank (no other assets) and low chance of being laid off due to being a top performer.
How would you allocate this cash for best returns? And what timeframes would you be paying attention to in order to identify best investment opportunities?
March 22, 2020 at 2:58 pm
Start a biz same thing. Until millionaire not even worth the time.
March 22, 2020 at 2:44 pm
Been teaching myself programming the past half a year in isolation. Social skills have basically collapsed (as you warned). First I got quieter, then I found it harder to express myself, now I find myself losing frame easily in any disagreement.
Once the virus passes I can date and do cold approaches, but is there any other action you suggest to improving negotiation skills? (not including reading books on negotiation) If I don’t sort this I’ll get paved in salary negotiations.
Are there any foreign languages that are/will be particularly valuable in the years coming up? Want to pick the one with the highest ROI.
March 22, 2020 at 2:53 pm
1) salary doesn’t mean anything, read as much as you can and start a biz that’s the only way to learn.
2) Not that we know of, will be tech oriented sooner than later, ie electronic translaters
March 22, 2020 at 3:03 pm
I’d say Spanish definitely has the biggest ROI. Great countries to travel to, lots of people speak it, great women etc. Especially when you take in to account that it won’t take as long to get to B1-B2 level versus Chinese, Russian, etc.
If you are based in Europe, German is useful because of the job opportunities.
March 22, 2020 at 2:46 pm
Hi I’m a JD MBA student at a top tier school with 2 years left. 24 years old. I’m currently working part time at a real estate transactional law firm. I’m trying to start a side hustle and you mention that the best service to offer is what I’m currently doing. However, I don’t know how I could do that as I’m not a barred attorney yet? Any suggestions? Should I avoid starting a time for money service all together and get into something else?
March 22, 2020 at 2:52 pm
Same answer in efficiency, have to learn how to sell online.
March 22, 2020 at 2:47 pm
Do you guys spend any time learning conspiracy theories ever?
March 22, 2020 at 2:51 pm
I am 23 y/o, came from 0$, landed a web dev job with an AAS and no debt.
I noticed since I got my job and upped my standard of living, I lost a lot of the “hunger” I had to get to the next step (the corporate job got me comfy).
I have been working to do private web dev/design stuff, but I am having trouble pulling the trigger to spend on ads and fully committing to this (fear of failing and losing money).
Suggestions on getting over the mental hurdle?
No, unmotivated people are future losers. Take a look around and see how fast you can lose everything. If that’s not motivation enough please don’t come back to this website.
Living abroad and lost job in IB just before COVID-19 was seriously recognised in current country (Country 1) with travel restrictions, stimulus packages etc.
Returned from overseas travel other day to Country 1 and required to undertake 14-day self isolation upon arrival, while still have one month left on apartment lease. Isolation making in-person meetings impossible.
Thinking of returning to home country immediately (Country 2) where can isolate with family currently undergoing isolation and likely eligible for income support (not eligible in Country 1).
Plan would be to continue job search from Country 2 given would likely be interviewing over video call anyway if was based in Country 1 as lockdown measures continue to increase.
If do not leave to Country 2 now there is real possibility of being stuck in Country 1 when borders completely close and flights cancelled, with no job or income support. Note that COVID-19 cases exponentially higher in Country 1.
Believe logical decision would be to bunker down in Country 2 while finding job but main issue is would be paying apartment lease for remaining month and then extending until able to return to Country 1 which could be several months since do not know when crisis will be over (i.e. apartment not occupied but storing belongings).
Would WSPs see any solution / alternative to paying rent for apartment in Country 1 which am not occupying (e.g. negotiate rollover with reduced rent)? Understand that aim would be to cut costs to zero in this situation but cannot avoid apartment obligation, do not have time to move out and would like somewhere to stay if return to Country 1 for a new job. Would this just be an unavoidable sunk cost?
March 22, 2020 at 2:57 pm
Shorten the question to 5 sentences MAX this is just a ramble
March 22, 2020 at 3:17 pm
Apologies – In short, lost IB job before COVID-19 got serious and just returned from overseas travel so required to self-isolate for 14 days in current country (Country 1).
Looking to immediately move back to home country (Country 2) where eligible for income support and will also need to isolate but can do so with family – will continue job search from here remotely.
Issue is will be leaving apartment behind in Country 1 which will still be paying rent for. Do WSPs see any alternative / solution to paying this rent while in Country 2 or is it simply sunk cost? (would move back to Country 1 for new job)
March 22, 2020 at 3:18 pm
Sunk cost till you can rent it out. You can try to contact landlord.
1. 110k NW – already put 10k in S&P at 2550 and 10k in BTC at 5200. BTC is probably fine where it is. Should I throw another 10k in S&P when it hits 2050? Money that will not be used for side business. Only possible use would be RE in about 1-2 years.
2. Thinking back, buying into the VIX sometime between mid-Jan and end of Feb makes so much sense. Since we knew this would spread and become something. Why wasn’t this a common move?
3. What are some uncommon things you’ve used to do a full reset physical/mental reset during this downtime? I am now 3 months into no alcohol. Meditate. Started running more again. I was thinking about a shroom trip or just microdosing (I know this is in your book). I am going to start Lions Mane mushrooms. Other things are resetting circadian rhythm to 6am.
Just want to break out of the normal brain pathways and use the new flow to spur on a continuous feeling of carpe diem.
March 22, 2020 at 3:08 pm
1) already answered
2) No clue, people were levered up is likely the reason
3) Nothing we’re having a good time, if you read our old stuff you’ll see we expected this 2.5 years ago. Just didn’t know it would be a virus
March 22, 2020 at 3:39 pm
Thanks. For #3 I meant more generally, what are some uncommon things you’ve found work for a reset/detox, physically and mentally?
March 22, 2020 at 3:56 pm
Meditation, going for runs with no music, biking with no music, swimming and yoga
how do you control smart phone phone overuse?
March 22, 2020 at 3:11 pm
You put it down and walk away like an adult
March 23, 2020 at 3:28 am
Michael King says
March 22, 2020 at 3:10 pm
Currently a junior in college interning at a bulge bracket this summer(think CS, Barclays, RBC) – should I convert to FT and keep following efficiency? Or does the virus in combination with secular headwinds mean that the compensation drop and chance of losing job mean that I should try to pursue a different career?
In short, is 2021 going to be bad timing to go into IB and still make a million within 10 years?
March 22, 2020 at 3:12 pm
What? this isn’t a question. Unless you can go to tech for some reason it’s the only option you have.
You will not get rich in banking we’ve already proven this with math several times on the blog
No matter what you must start a biz eventually
March 22, 2020 at 3:14 pm
College student thats out of school for the semester but no savings – should I just learn sales/prepare for job recruitment, or should I earn money NOW, and how should I do so without the initial capital for affiliate marketing and the conditions of quarantine.
March 22, 2020 at 3:20 pm
RE-read efficiency already in there.
Julius Benedict says
March 22, 2020 at 3:21 pm
Good call on not recommending buying muni bonds, I was wrong on that. Why do you think there’s such a big sell-off in munis (MUB down 15%, etc)? Is it more about investors looking to get liquid, or is there a serious risk of defaults by local governments?
March 22, 2020 at 3:25 pm
Flight to cash to make payments everyone is levered up.
March 22, 2020 at 3:28 pm
At the analyst level and given the recession, is it better to go to a strong US bulge bracket(GS, MS, JPM, Citi, Bofa), or a mid tier boutique(Guggenheim, PWP, Greenhill etc)? I know top tier boutique like Evercore, Centerview, PJT would be best overall.
Second question: Since PE recruiting happens on week 1 of starting as an analyst, are there any downsides to taking a high paying PE job for 2 years down the line and what size/type of PE fund would be best to join?
March 22, 2020 at 4:06 pm
1) just look at the M&A team, the best M&A team is where you want to go. Ignore the name of the bank.
2) Extremely dangerous we would actually stay in M&A since PE could actually blow up badly in all this, come back in a few months
March 22, 2020 at 7:01 pm
Can you explain top 2 reasons why PE blows up here. Prior to COVID-19. PE has large amounts of cash available. (Look at pitchbook). Not saying you are wrong. Understanding perspective for the statement
March 22, 2020 at 7:02 pm
IF the value goes down their investments blow up and go bankrupt. Not hard to get my man…
March 22, 2020 at 3:38 pm
1) I am in Europe. My company is a B2B software, every buying decision from leads has been halted for now and revenue is significantly down across the board (multiple industries).
What’s the best thing to do? Do we work on back-end stuff and wait for the storm to pass – meaning until we are out of quarantine?
2) Do you think there is a possibility we are looking at a global restart with most businesses closing shop and starting from scratch?
3) How long do you think the quarantine will last? Side question: Is the end game to kill covid as it won’t be able to spread due to quarantine?
Stay healthy, stay safe. Thanks!
March 22, 2020 at 4:03 pm
1) yes fix all issues that you can to be ready for when things come back. Cut costs as lean as possible. If you have a small team *do not fire* if you can afford it, keep them on payroll they will never forget.
2) Very real possibility of reset for multiple industries
3) current guess is 2 months of mess but we’ll have to wait and see. Yes the end game is to just kill the “curve” we’re praying it works faster
March 22, 2020 at 3:40 pm
In Spending you mention that you should wait for housing prices to go -20% in a downturn.
Does this advice still hold for places like the Bay Area, where people are relatively rich compared to other parts of the US… here would it be like -10 or -15%? I am trying to buy somewhere in Berkeley, Oakland or SF.
Also wanted to thank you. Discovering this blog 3 years ago was part of what helped me turn my life around and get my act together.
March 22, 2020 at 3:55 pm
Man that is hilarious isn’t it? Prices fell 25% overnight in certain areas!
It’s moving too fast, but yes -20-25% is usually good enough but stay tuned here for now… its moving too fast and you wouldn’t be bale to see the home anyway till April based on the rules in calfornia so relax and just look around!
March 22, 2020 at 3:41 pm
You guys have mentioned options a bit recently. Any recommended books to learn more?
March 22, 2020 at 3:54 pm
There are hundreds on them, don’t buy any that give advice just look for textbooks on how they work and come up with your own strategy to mitigate risk
Incoming bulge bracket analyst says
March 22, 2020 at 3:42 pm
What IBD groups are going to be the best to join as we approach economic uncertainty? Assuming Restructuring, M&A, Tech, Healthcare, FIG are going to be the best and Consumer, O&G, Industrials, Media will take hits? Or is choosing the best groups at specific banks going to be the best strategy?
March 22, 2020 at 3:59 pm
Quite literally no change. Only thing that matters is being focused on M&A and now.. restructuring given environment. Group is less relevant it’s about strength of the M&A team.
March 22, 2020 at 3:44 pm
1M net worth — Age 42
$500K in CASH
$500K in home equity
Day-trading successfully the past few weeks. Every time I try to enter the tech sector stocks they go up 5-10% the next day or 2 so it only makes since to sell. Buy back the next day usually since markets can’t sustain anything and a stick like AAPL at $229 is too tempting to nibble on for example.
Thinking of buying in 1/10ths or 1/5ths a suite of stocks like HD, MSFT, GOOG, AMZN, AMD, VZ, etc.
Any strategy you suggest to ultimately establish a position of say $250K in the Nasdaq tech sector? Not a fan of mutual funds or ETFs but an ETF may be easier for the eventual initial rebound.
Love your blog and comments on Twitter as well !
Not sure what you mean same answer, we’ll explain when we return to buying
If you want to trade around it that’s your call
March 22, 2020 at 4:42 pm
Thanks. Yeah just read a bunch of your recent posts. I’ll keep me eyes open for when you think it’s good to return to the market. Puts are a great idea to hedge if anyone still thinks investing is realistic “option” — pun.
Your observations on how V shapes recovery hurts the middle class awesome.
Cash is king for now like you stipulate. And with all this crazy stimulus being proposed it could be very very bad for middle class. Prices on homes, healthcare, college are ridiculously high already and look to be going higher and higher. If Fed loses control of rates it’s all over — reset.
That’s exactly why we’re saying you need some gold and crypto because if the cash begins to hyperinflate and become worthless… you see how that ends
The Drunken Banker says
March 22, 2020 at 3:47 pm
1. Researched affiliate as advised at last week’s q&a, will pursue. Having said that, I’ve noted your recent advice on curtailing ad spend during crisis. Assuming this means to ZERO for someone just starting out. So… should I instead read all sales & copywriting books recommended in efficiency for now, or still dabble here and there with ads once landing page is all set?
2. Generally speaking, what do you consider worthwhile commission % for skin care/diet pills for affiliate promotion?
3. Would you order sushi takeout right now to support a local restaurant you don’t want to close?
March 22, 2020 at 3:58 pm
1) this is not the best time to start. You should learn everything then launch when business activity is actually alive. Right now it’s a debacle and pausing ad spend makes more logival sense.
2) there is nothing worthwhile, just go with profit margins and find the highest returning ones. One that makes $10 or $100 doesn’t mean much if your Return is 10% versus 0.001%
3) That is reasonable although you probably want to go with stuff that can be heated. The virus can live on uncooked foods. So we would order food from the same place but something that can be heated.
March 22, 2020 at 3:57 pm
Preferred mattress brand or type?
Experience with this site, or similar that you can recommend? Would you still make this wager today?
March 22, 2020 at 4:07 pm
1) none travel a lot, just get one high quality ($3K+) that fits your body type best. No way to recommend these things
2) No clue what that is, election is completely up in the air now. No one can predict how these ends in 4 months
March 22, 2020 at 4:25 pm
What industries do you see fundamentally changing because of social distancing (assuming this goes on for a while / no vaccine)
I reckon service/entertainment will see a huge shakeup with the death of independent mom & pop restaurants (most were on the verge of dying before this) and shift towards events / house parties (new speakeasies).
Tele-medicine and work from home are also obvious and will become more widespread.
March 22, 2020 at 5:27 pm
2) large gatherings
3) more video conferencing and video games
March 22, 2020 at 4:27 pm
25 1.5m liquid read spending. Still think it’s not a good moment as they’re will be antorher drop the market. Got a decent position in physicals gold just in case th dollar drops.
Should I use this money to get financing on current projects while refinancing current deals?
March 22, 2020 at 5:18 pm
Sure you can use it, our guess is rates are incredibly volatile right now though.
Would wait a bit longer
March 22, 2020 at 4:28 pm
1. Want to hedge some net worth with gold/crypto, small like you said earlier. What is best way to hedge with crypto: BTC or a bunch of coins?
2. Already proficient in sales (SaaS b2b) and advertising. If a strong quant, is it worth it to invest time in learning programming/ai, or just a distraction? (for career and side business)
3. You mentioned cutting existing ad spend to 0 due to crisis. Best to switch to different more relevant product rn or another customer acquisition channel to make money?
Thanks, always appreciated.
1) covered in triangle investing
2) YEs it is if you can do it.
3) Honestly nothing will work right now, if economy is halted, so you should optimize backend
D. Danger says
March 22, 2020 at 4:38 pm
Have been a reader since 2013; got a job on the street with CV help back when I was still in college. As someone on the Street, can verify all this information is legitimate and most importantly actionable.
Will be getting crushed in the foreseeable future (can guess why), was wondering what I should to do and take to maximize efficiency, effectiveness, and sharpness; historically used caffeine and other “stimulants” at a bare minimum but open to it given hours + current circumstances:
1) Staying indoors + self quarantining, while taking vitamin supplements + zinc
2) Getting exercise outside with walks and home workouts
3) Spending money to minimize stress and time-arb by outsourcing
4) When possibly trying to maximize sleep
What would you do to operate at peak shape mentally and physically given the current situation? $$$ not really the issue here, believe the return will more than justify.
March 22, 2020 at 5:26 pm
This is actually covered in the book you just picked up! go to the section on PEDs.
In terms of indoor items, if you don’t have an at home gym, you have to stick with pushups, dips, door pullups, hand stand pullups, situps and you can even lift heavy furniture.
What do you think of measures like the number of departing CEO’s during the last months or the ratio of buying / selling in insider trading to determine tops/ bottoms? Ist this something you monitor?
Everyone knows what it means when a CEO sells his whole stake.
March 22, 2020 at 4:43 pm
Part of a small, (less than 10 people) but well funded startup in the RE SAAS space. Everything has been put on pause from a sales perspective due to corona. What would you recommend doing while we are waiting for these bigger institutional investors and owner/operators to get back to business.
March 22, 2020 at 5:23 pm
Lean out as much as you can and optimize back office logistics stuff to make sure when things are back you’re ready to go.
March 22, 2020 at 4:58 pm
I’m in a position that my biz doesn’t work that well and basically partly selling my time for money as of now. I know you had numbers of 20% min monthly saving and 50% min saving or incomes.
Would you say that whenever I can save 50% of my income, I should look more into equity opportunities again? How shall I manage my time these days? Focus more on cash or create long term opportunities/improve skills as cash creation is a bit harder on this market?
For the 1000000000000000000000th time
You have to start something else. You’re not gonna get rich with “equities” if your cash flow is low. doesn’t work mathematially and never will.
I know that.
By equity opportunities, I meant my business (fixing or other), where I have ownership (equity) vs. selling my time for money.
So till what point would you focus on cash vs. spending more time on biz?
March 22, 2020 at 5:30 pm
Unless rich you should focus all time on business. Not sure what you mean
Until you’re rich your entire life is revolving around making your income go up?
March 22, 2020 at 5:33 pm
I referred to selling more time to make more money to have more reserves (and to invest in the business). I guess I just go with whenever I can save 50% of my income I just focus more on biz vs time selling cash generation.
Thanks for all your content, twitter and QandAs. It helps a lot!
March 22, 2020 at 5:44 pm
Honestly still have no idea what this means. You always choose the one that makes you more money until rich…
March 22, 2020 at 5:55 pm
Well, you say everyone needs biz to get rich (because your time is limited and no leverage if only selling time).
So my question was when to focus more on biz vs. time exchange.
Time exchange is short term better cash, but the time there is missed opportunity to build biz.
I’m gonna concentrate more on direct cash till I can save 50% per month from total income unless otherwise advised.
After that put more time into longterm biz (which is not direct cashflow but better long-term).
Does that make sense now?
Lol maybe just need to learn to communicate more efficiently (maybe my biz would work better as well)
March 22, 2020 at 6:09 pm
This still literally makes no sense. If you can create recurring income you always choose that
March 22, 2020 at 5:04 pm
31, 50K NW. Behind, but the past 3 years made significant changes for the future.
Started a Product Manager in role in Ad-Tech 2 months ago(90K pre bonus). Told by my boss already I’m way ahead of schedule in terms of productivity, also working on the most important company initiative, but still paranoid AF about layoffs. (Company is very established and necessary part of the ad-tech ecosystem).
Question I have is: Putting in extra time right now to assure all the important people I’m worth keeping around should tough decisions need to be made. My questions is, at what point do you think I can scale off the extra time to build second income stream? Product Management is pretty work intensive, but if I product well and keep the current gig, I have on good authority from trusted sources that in 18-24 months that I could double that salary number.
March 22, 2020 at 5:21 pm
Covered in efficiency, takes 6-12 months to build reputation after that you just want to be in the “top group” but don’t need to be #1
March 22, 2020 at 5:24 pm
Any interesting books read recently?
March 22, 2020 at 5:31 pm
Nothing new to recommend
March 22, 2020 at 5:46 pm
Do you think there is any way to get out of paying rent in NYC since it is declared emergency? I’m back at my parents now and will be for a few months realistically. Could save a couple thousand.
We will not comment on this.
March 22, 2020 at 11:59 pm
Don’t take advantage of your landlord.
March 23, 2020 at 7:09 am
It’s not really taking advantage, it’s spreading the impact of a black swan event evenly.
March 23, 2020 at 2:05 pm
March 22, 2020 at 6:16 pm
New reader to site, yet to read but will be reading you books.
Mid 20’s, networth <$5K ($25K cash assets but $25K in govt student loans) For the student loans I've taken advantage of certain govt. interest relief programs and not have had to pay interest on it for the past 1.5 years and will likely do so for at least next 6 months, hence no attempt at repaying student loans and have rather invested in to a ecomm Amazon FBA biz.
I've been running the small ecomm biz (FBA) for 1.5 years, started with a very tiny investment but have grown it to around $3K net profit per month so far. This along with two other other ad hoc consulting gigs, which brings my total net income to around $5-6K per month right now.
I expect the ecomm biz to grow to around $5-6K per month profit in about 3-5 months. But I feel my progress has been slow due to lack of capital, I've been very conservative with risk and haven't taken out loans to purchase more inventory and increase product range,have entirely bootstrapped so far…
1) Should I take out loans (can likely access $30-50K in govt small biz loans/LoCs) to grow it, despite the extra mental stress it would cause? My products are simple products and are likely recession-proof at neutral at least, not luxuries.
2) Should I look at higher margin ecomm opportunities especially in niches off of Amazon?
3) Is there one book of yours in particular that deal with your advice on online / ecom businesses?
Thanks in advance.
March 22, 2020 at 6:37 pm
We don’t answer questions from non-purchasers. Wastes our time.
March 22, 2020 at 6:30 pm
I have a nutra product that contains the key ingredients that help boost the immune system. I’m redoing the advertorials and sales pages to focus on those ingredients/benefits. Would you try and run this angle compliantly on FB, and if not FB, what traffic source would you run it on?
March 22, 2020 at 6:33 pm
Yes all your ads should be compliant? For sure, just test demand and see if ROI is there
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