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Episode 744: No Neal and Toby! You get to hear from the producers of MBD! In this episode, they'll talk about some of their favorite stories the show has covered in the year, including the return of fast food restaurant favorites and why are more Americans staying more and more sober. Then, it's a deeper dive into the biggest news in the entertainment world with the cancellation of the Late Show with Stephen Colbert. Finally, American Eagle's viral ad campaign with Sydney Sweeney may have pushed the boundaries, but in the end, it put the longstanding retailer back in the conversation. Check out https://www.public.com/morningbrew for more Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here: https://www.swap.fm/l/mbd-note Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Learn more about your ad choices. Visit megaphone.fm/adchoices
Episode 743: Neal and Toby host a holiday trivia show with a few of their favorite coworkers: Annie Bennett (@realannieb_) from Morning Brew Social, Jack Stebbins (@jackstebb.ins) from Good Work, and Macy Gilliam (@macyagilliam) from Out There. Feel free to play along and test your knowledge! And yes, the game eventually goes completely off-the-rails. Check out https://www.public.com/morningbrew for more Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here: https://www.swap.fm/l/mbd-note Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Learn more about your ad choices. Visit megaphone.fm/adchoices
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---
Episode 742: Neal and Toby chat with Cory Doctorow, author of “Enshittification: Why Everything Suddenly Got Worse and What to Do About It,” about the current state of tech companies' reign over society and why “enshittification” is a specific term that is applied to the tech industry. Then, a conversation about the 4 ways to discipline tech companies as they continue to grow larger and grab more market share. Check out https://www.public.com/morningbrew for more Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here: https://www.swap.fm/l/mbd-note Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Learn more about your ad choices. Visit megaphone.fm/adchoices
Episode 741: Neal and Toby discuss why the US Department of Interior is ending offshore wind projects. Next up, Gold and Silver prices are ripping and the music piracy group that scraped Spotify's entire library. Then, clothing rental is super trendy and the headlines you need to know to start your day. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Send us your questions for our special Mailbag episode! Email: morningbrewdaily@morningbrew.com IG: @MBDailyShow Visit public.com/morningbrew to learn more Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices
12-22-25 STEEL NEWS MMTLP The Stock That Was Never Supposed to Trade. Regulators Chose Brokers Over InvestorsFEATURING: The MMTLP community and the Agency Regulators that colluded to leave them with nothing.https://x.com/annvandersteel/status/2002892951899537804?s=20SHOW DESCRIPTIONMMTLP was never supposed to trade.Yet 65,000 investors—including over 200 military veterans—were allowed to buy it… then stripped of the right to sell.In this investigation and video short, Ann Vandersteel exposes how a dividend created during a corporate merger was turned into a tradable ticker, frozen by a sudden U3 halt, and quietly erased—locking families into financial ruin while regulators protected Wall Street.This wasn't a glitch.It was a decision.Behind closed doors, broker-dealer interests, a so-called “independent” regulator, and federal oversight failures converged—leaving everyday Americans trapped in a market that no longer played by its own rules.Retirements were wiped out.Businesses collapsed.Families were destroyed.And to this day, no one has been held accountable.The MMTLP story is not over.This is Steel News where truth survives pressure.Follow: ANN VANDERSTEEL https://AnnVandersteel.comSPONSORS:https://AmericanMadeFoundation.orghttps://AmericanMadeAction.orgHEALTHY FOOD & BEAUTYSUPERFOODS https://VandersteelHealth.comReady to save big on your superfoods purchase? Made in America, non GMO superfoods for your whole family and pets.SLEEP & MORE with My Pillow!https://MyPillow.com PROMO CODE “AV”C60 EVO HEALTH AND BEAUTY SECREThttps://www.c60evo.com/annvandersteel/ PROMO CODE “EVAV” 10% for radiant energy & mental focus, increased flexibility, immunity & longevity for people & petsRICHARDSON NUTRITIONAL STORE – laetrille / apricot seeds for healthhttps://RNCStore.com PROMO CODE “AV”RNC promotes wellness and healthy living through the use of safe and effective dietary supplements that support the body's natural healing processes.YOU TUBE https://www.youtube.com/@RealAnnVandersteelYOU TUBE https://www.youtube.com/@Ann-VandersteelRUMBLE https://rumble.com/c/SteelNewsRUMBLE https://rumble.com/c/AnnVandersteelGETTR https://gettr.com/user/annvandersteelFACEBOOK https://www.facebook.com/RightNowAnn/FACEBOOK https://www.facebook.com/ann.vandersteelTWITCH TV https://www.twitch.tv/annvandersteelTWITTER https://x.com/annvandersteelPlease consider supporting Operation Burning Edgehttps://givesendgo.com/burningedgeThis effort lead to the exposure of weaponized mass migration into the illegal migrants ravaging AmericaMAIL:Ann Vandersteel℅ P.O. BOX 386Palm City, Florida [34991]FOLLOW & SUBSCRIBE:https://AnnVandersteel.Substack.comhttps://x.com/annvandersteelhttps://truthsocial.com/@annvandersteelhttps://gettr.com/i/annvandersteelhttps://t.me/AnnVandersteelTruthhttps://annvandersteel.locals.comhttps://app.clouthub.com/#/users/u/AnnVandersteel/postshttps://gab.com/AnnVandersteelhttps://facebook.com/annvandersteelhttps://www.linkedin.com/in/ann-vandersteel-312310260/FAIR USE NOTICE These pages may contain copyrighted material the use of which has not been specifically authorized by the copyright owner. In accordance with Title 17 U.S.C. Section 107, such material has been referenced to advance understanding of political, human rights, ecological, economic, scientific, moral, ethical, and social justice issues. This constitutes a "fair use" of any such material as provided for in section 107 of the US Copyright Law.
Episode 740: Neal and Toby discuss Waymo cars stalling during a San Francisco blackout over the weekend. Then, why the new Avatar movie didn't impress at the box office and Blue Origin is making history. Next up the ‘Peanuts' franchise has a new home with Sony and everything you need to know about the week ahead. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Send us your questions for our special Mailbag episode! Email: morningbrewdaily@morningbrew.com IG: @MBDailyShow Visit public.com/morningbrew to learn more Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz fix the hidden hangover of holiday debt. ---
In this candid year-end conversation, John Byrne and Sarah Beth Felix dissect an unprecedented year in AML enforcement. Felix, President of Palmero Consulting and creator of "Dirty Money Weekly," describes what she sees as systematic dismantling of AML infrastructure despite stated priorities of combating fentanyl and transnational criminal organizations. With only four enforcement actions from traditional federal banking agencies compared to FINRA's 20+ penalties, the landscape has shifted dramatically. The discussion explores Treasury's proposal to give FinCEN veto authority over banking agency BSA decisions - a move Felix warns could create massive bottlenecks. They examine troubling patterns in recent OFAC sanctions penalties where entities disregard guidance while violations flow through traditional banks. Felix shares skepticism about AI replacing the "hyper suspicious" human judgment essential to AML work, noting AI tools consistently fail basic sanctions questions. The conversation addresses the stark gap between U.S. and European cryptocurrency regulation, with America applying 40-year-old money service business laws to digital assets while the EU has comprehensive frameworks like MiCA. Looking ahead to 2026, Felix urges AML officers to use reduced regulatory scrutiny strategically - eliminating legacy policies that waste time while remembering everything missed now can trigger future enforcement. She emphasizes focusing on cartels and foreign terrorist organizations, which now carry criminal liability for banking officers, and proactively auditing customer sanctions programs.
Please join Ralf Preusser in conversation with Paul Ciana. Paul will talk through his views for 2026 across rates, FX, commodities and equities. Paul will also outline how to use technical analysis and leverage multiple indicators, methodologies, tools, sentiment, and positioning to come up with his high conviction views. You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life. "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.
Episode 739: Neal and Toby explain why inflation unexpectedly cooled in November. Then, Donald Trump's media business is merging with a Nuclear Fusion company. Next up, why Medline is the stock of the week and Oracle is the dog of the week. Finally the headlines you need to know heading into the weekend. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Send us your questions for our special Mailbag episode! Email: morningbrewdaily@morningbrew.com IG: @MBDailyShow Visit public.com/morningbrew to learn more Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices
On episode 222 of The Compound and Friends, Michael Batnick and Downtown Josh Brown are joined by Bill Cohan to discuss: Netflix vs Paramount in the battle for Warner Bros, record highs for US banks, the next Fed chair, and much more! This episode is sponsored by Public. Find out more at https://public.com/compound Sign up for The Compound Newsletter and never miss out: thecompoundnews.com/subscribe Instagram: instagram.com/thecompoundnews Twitter: twitter.com/thecompoundnews LinkedIn: linkedin.com/company/the-compound-media/ TikTok: tiktok.com/@thecompoundnews Public Disclosure: Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Oyster Stew - A Broth of Financial Services Commentary and Insights
Oyster Consulting has the expertise, experience and licensed professionals you need, all under one roof. Follow us on LinkedIn to take advantage of our industry insights or subscribe to our monthly newsletter. Does your firm need help now? Contact us today!
Episode 738: Today, Neal and Toby discuss the major media shift in Hollywood where the Oscars will start streaming on YouTube in 2029. Then, how the oil market is being impacted by the conflict between the US and Venezuela and why Tesla sales in California may be paused due to marketing surrounding their autopilot marketing. Finally Neal shares his favorite numbers from this week's news and the headlines you need to know to start your day. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Send us your questions for our special Mailbag episode! Email: morningbrewdaily@morningbrew.com IG: @MBDailyShow Visit public.com/morningbrew to learn more Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---
Doug Green, Publisher of Technology Reseller News, spoke with Ty Kircher (NSP Practice Lead, Cellhub) and Dennis Napoliello (Head of U.S. Sales, MultiLine at Movius) about a problem every mobile-first organization runs into: separating personal and business communications on one smartphone—securely and compliantly—without forcing employees to carry two phones. “The MultiLine solution gives enterprises control without forcing users to carry two phones.” Cellhub has been working with vendors like Movius to build an ecosystem of partners (including carrier T-Mobile) that helps channel partners deliver innovative mobile solutions to end-users. Movius addresses the security gap in employee-to-client voice, messaging, and collaboration by offering Secure Communications as a Service. MultiLine™ is designed for hybrid and mobile work: users maintain two separate lines on one device, each secure, compliant, and dedicated—with separate features like voicemail—and with multi-channel communications documented per line. This eliminates the need for separate phones/numbers for Teams, personal use, social media, and apps like WhatsApp or WeChat—Movius consolidates multi-channel communication into one unified, secure ecosystem. That's a strong differentiator for solution providers selling into healthcare and financial services, where organizations must ensure communications compliance with regulations like HIPAA and FINRA, including on personal devices, and across verticals such as government, transportation, and education. MultiLine is positioned as an AI-driven, mobile-first approach that unifies communications and collaboration. Cellhub is also coordinating with a roster of vendor partners to bring unique mobile and wireless computing products and services to market, including initiatives with Tri Cascade, SkyMirr, and its PC-as-a-Service program with Lifetime EndPoint Resource. Reach Cellhub at www.cellhub.com or email Ty Kircher at Ty.Kircher@cellhub.com. Contact Movius at www.movius.ai or reach Dennis Napoliello at Dennis.Napoliello@Movius.ai. Software Mind Telco Days 2025: On-demand online conference Engaging Customers, Harnessing Data
Turning 62 might not feel like a milestone birthday… until you realize the Social Security clock just started ticking. Filing now could put money in your pocket sooner or cost you tens of thousands over a lifetime. How do you pick the right strategy? Let's break down how to think through one of the biggest retirement decisions you'll ever make. Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381 ----more---- Transcript: Speaker 1: Turning 62 might not feel like a milestone birthday until you realize the social security clock just started ticking. Filing now could put money in your pocket sooner or cost you tens of thousands over your lifetime. So which is the right strategy? Let's break it down. Hey everybody, welcome to the podcast. This is Plan with the Tax Man, with Tony Mauro and myself to talk, "Hey, I'm 62. Should I file or wait?" That's the big conversation, Tony, that happens all the time. I imagine you probably have this chat with new prospects virtually every single time you meet with somebody. Speaker 2: Every time. Yes. And I picked this topic this week because I've been getting a lot of questions on it. There's been a lot of chatter on social media about it. So I wanted to address it again because it is important. Speaker 1: And it's complicated for people, but you could talk big money here. So I mean, why do it? Why file at 62? There's a plethora of reasons. If you take out the just actual need it, okay, it's like I ran the numbers and we actually do need to turn it on. Oftentimes it's things like, "Well, it's mine. I want it back." Or whatever. Understandable, but what's some other things you've heard? Speaker 2: Well, I hear things such as, "My parents didn't live very long, so therefore I want to collect it while I still got some time." Okay. And by the way, as we talk about this, we could sit, if I had 10 listeners on the podcast as a call in, we would all have different opinions. And you could get into some serious arguments about this. So a lot of this depends upon each individual situation, like most things financial planning do. But that being said, besides worried about longevity, they want to basically take the money and invest it in themselves. Some want to give it to their heirs a little earlier. Some are, of course, like you said, they're just ready to get out. They've worked for somebody else forever. They want to retire now and they need the income now is always the biggest one, but there are some drawbacks to that, which we'll get to. But those are the things I find most people want to take it early. And most people, when they want to take it early, they've given it no though other than those things. They haven't run any projections. They haven't done any type of planning for this, which we'll talk about here in a second. Speaker 1: Okay. Well, why wait until FRA, full retirement age? So there's some compelling reasons to do so. First, it's what, about 6% annually. If you were to do the numbers from 62 every year you're waiting, it's about 6% up to full retirement age. Yeah? Speaker 2: It is. So when you take it early, of course, you have to take a reduction in benefits. Speaker 1: Yeah, like 30%. Speaker 2: Yeah. And there's a cap on how much you can earn if you're still wanting to go out and do some work. Now, if you wait till full retirement age, not only is your benefit higher, but you can go out and earn as much as you want and they won't reduce your social security benefit. Yeah, you're still taxed on it and all of that. But that's one of the reasons why people might want to wait. They want the higher benefit. They might want to use some sophisticated planning and coordinate with spouse benefits and maybe have the lower amount or the lower earning person take theirs earlier and the higher earning take theirs later. And then of course, like I said, maybe- Speaker 1: You should definitely think about doing that, right? Speaker 2: Absolutely. Speaker 1: Yeah. Speaker 2: I mean, that's one of the biggest ones. And a lot of times you get this full retirement age statistically showing both men and women, if your health is fairly decent, you plan on living quite a bit longer up to at least the averages. At least that's, again, that's an assumption. But those are some reasons why. And if you start running some numbers and you take a look at, I ran my own before we got on the podcast. And if I took mine at 62 versus 67 is my full retirement age, by the time that I, if I lived, I used both scenarios. This is just for example, and this is what the planning software can do for you. If I lived until 83, if I waited until 67 versus 62, I would've collected $72,700 more if I waited. And so you have to decide and you should run some of these numbers. And I also would say to all the listeners, you at very least should be out and have yourself a login and username to the social security website so you can see your reports and look at some of this stuff. It's free. They've actually done a nice job with it. So the question becomes like, in my case, is it important enough for me to delay? Because I could die between 62 and 67. Who knows? Speaker 1: Sure, yeah. Speaker 2: But do I want to take that chance and maybe get 72, $73,000 more I live in the same amount of time? And I think that is what the real planning stage is. And there's really no right or wrong answer because for some people, yes, maybe they do need it at 62, but for a lot of us, if you don't need the income, it generally is better to wait. Speaker 1: Yeah. I mean, think about it. 6% from 62 to 67 is... And it's a safer investment because somebody would say, to one of the arguments, "Well, I want to just take it now and I'll reinvest that money." Especially if the argument is that, "I'm doing it, I'm turning it on, but I don't actually need the income." So let's just take, I need the income off the table because if you need it, you need it. But if you're turning it on because you just want to turn it on for whatever other reason, and you're saying, "Well, I can invest in myself." Okay, maybe you're going to get a guaranteed 6% year over year with very little risk. That's one piece. Now you might look at the market right now year to date, the S&P, Tony, while we're talking is like up 16%. Somebody said, "Well, yeah, I could get 16%." Well, fine, but that's 100% at risk. Speaker 2: That's 100% at risk. I just saw not too long ago, which led me to even pick this topic this week is somebody on Facebook sent me a clip of what appeared to be a financial advisor or some annuity person talking about it's never better to wait. Always take it at 62. And I listened to it and I would love to debate that with a gentleman, at least for every case. I mean, he does make some compelling arguments as to why some people should take it at 62, but most of what he was talking about was, "Well, they need the income now and they can reinvest it." Well, okay, yes, that is right, but you can't just sit there and tell everybody never to wait because there are some compelling arguments in some cases to wait. Speaker 1: Yeah, yeah. And to your point. So you ran those numbers at $70,000 or whatever. Did you think about the spousal piece? Sometimes people, they don't necessarily do that. It's like, okay, don't forget, the higher of the two is what the person that's left behind is going to get. So you mentioned earlier doing that option. So if you're in a situation where one member of the family, one of the couple there is making more and you want to turn the lower one on at 62, that's a fine strategy for many people still run the numbers first to see. But again, you got to kind of factor all that stuff in there. You can't just claim it without some intentionality in there. Speaker 2: No, you do need to be intentional with it. You do need to talk to your advisor about it because that's one thing that we use a lot is we have the lower earning spouse, if they do want some money now, okay, let's claim that now, but let's let the higher earning spouses ride a little bit and then that way you've got kind of a little bit of best of both worlds. You're getting some money now because that's what you said you wanted, but you want to get some higher benefits and generally the women live longer and if the man dies, then she can reclaim and get his higher benefit, which will benefit her later by him waiting. And so I think that's one thing that we generally try to do as far as that goes. But we use some good software just like most advisors have to be able to at least show people and run a lot of different scenarios very quickly so they can at least have all of the facts to make the best decision for them. Speaker 1: And you know, Tony, it can go the other way too. I was just talking with another advisor earlier and he was sharing an interesting story that he had some new clients that were in prior, right before Thanksgiving, saying that they were in, they were starting to do the preliminaries and everything and they were like, "No, no, we've already identified a lot of stuff and we're going to both wait until we're 70." They wanted to do the total maximization. And he said, "Cool, but let's go through the exercise of running stuff and just see what those," Like you kind of did, "What some of those projections lay out." And he was able to show them for a myriad of reasons why, and again, he's like, "It's not my job. If you want to go 70, we'll go 70. But if we turn it on, in your case, specifically both of you at 67, you're actually going to fare better." So there is times when it can go one way or the other, but you don't know that until you get into the math of it. Speaker 2: You don't. And that advisor probably showed them something they probably never had dreamed of and probably going to- Speaker 1: They were shocked, yeah. Speaker 2: Get more money over their lifetimes. Speaker 1: They were, actually. And then you started thinking about IRMAA and you start thinking about the taxational. That's the other piece, how much of your social security is going to get taxed? In this situation where we were talking about today or our topic point, if you're turning it on at 62, but you don't need the income, you are probably going to wind up paying the max tax on this too. So not only are you taking a 30% haircut, but you're probably paying up to the 85% as taxable. Speaker 2: It's going to be taxable. And depending on your tax bracket, it could increase that haircut by quite a bit, which is why you need to think about some of this stuff before you do it. Speaker 1: Now you got a buzz cut. Speaker 2: Yeah. The other thing too is I always ask people, well, if you take it 62, especially the single people, what are you going to do for health insurance until you're 65? Because Medicare doesn't kick in. And so there's some things to think about there. And if you just blindly go into this and quit your job or whatever, you probably aren't going to be able to go back and now you could be stuck with some real unfavorable circumstances. Speaker 1: Yeah, yeah. We all know that age discrimination is not supposed to be a thing, but we also know it's a thing. So it's like trying to be 70 and find a job or the job you had before, the odds aren't great. Speaker 2: Not great. Speaker 1: No. So at the end of the day, look, it's a huge, huge decision, Tony. I mean, you can truly be talking tens of thousands of bucks here. Speaker 2: You can. I mean, at the end of the day, as I say, and on most of them, and of course, we're tooting our own horn here with, you need your advisors and help to make sure that your decisions work with your plan, your health, your long-term goals. And once you do that, then at least you could feel good about what you chose. But like I say, I would caution you to just blindly do it without running the numbers because they are big. And in fact, back to my case as we close is, my plan personally is we're probably going to wait at least until we are full retirement age, if not 70, because I'm going to want that extra 70,000. I mean, that's just my psyche. But I have run the numbers and we might do a spouse claiming early, but it probably won't be 62. It might be 64 or 65. Speaker 1: And that's true. That's true. The reason we hear things like, "Oh, there's 6,000 claiming options." Or whatever they claim there is that's because every day after 62 that you delay and turn it on, could change something, whether it's 63- Speaker 2: Two pennies. Speaker 1: Yeah. 63 in two weeks or 64 in three months or whatever it might be. So it all changes that number a little bit. Again, about 6% roughly from 62 to 67 is the growth. And then from 67 to 70, it's what about 8%. Speaker 2: It's about 8%, yeah. It really goes up during those last couple, two or three years. Speaker 1: So something to think about. So the right social security decision depends on your income needs, work plans, health and long-term goals, but before you file, make sure you're choosing that path that supports your retirement, not necessarily just some other reason that you've got in your head. And if you need some help with that, to Tony's point, tooting the own horn, yes, but the social security office folks, they do a fine job, but they're not allowed to help you go through the... They're going to tell you your options and then you pick. They're not going to ask you about your tax implifications. They're not going to ask you about your IRAs and how much you have in your income so that you're making the right decision based on all that. So get with a financial professional before you take this action and have those chats. And if you need Tony's help, yourplanningpros.com is where you find them online, yourplanningpros.com. Don't forget to subscribe to the podcast on Apple or Spotify and also share with others that might benefit from the message as well and maybe enjoy the content. Maybe they'll need some information that might help them along their path. Again, yourplanningpros.com. Tony, thanks for hanging out, my friend. It's the end of the year, so have yourself a great holiday season, my friend. Speaker 2: You do the same, and I wish everybody out there a great and safe holiday season as well. Speaker 1: Yeah. And we'll see you in 2026. Ugh, sounds weird already, but we'll see on the other side here with Tony Mauro from Tax Doctor, Inc. on Plan with the Tax Man. Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.
Have you ever wondered how Warren Buffett came up with his investment strategy? Today, Nicole pulls back the curtain. In this episode, Nicole breaks down how the investing pros create their investing theses, how they stress-test their own ideas, and three famous real-world examples that paid off. Then, Nicole will explain how you can create your own strategy— and how to easily execute on it... today. Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time.
Episode 737: Neal and Toby explain why the jobs report sent the market tumbling on Tuesday. Then, the latest on the race to be the next fed chair and why Nasdaq wants to trade around the clock. Next, Uber and Doordash are against a tipping law in New York and the headlines you need to know to start your day. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Visit public.com/morningbrew to learn more Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices
Year ahead themes and where we could be wrong Earlier this month, BofA Global Research published a note with 10 of the key views outlined in 2026 macro Year Ahead reports. This podcast features seven strategists and economists discussing certain of those themes and offering the primary risks to the views that they foresee. We start with our view on U.S. growth, where we're more bullish than consensus, then offer support for that optimism with a take on why we don't yet see an AI bubble. We then discuss our constructive outlook for emerging markets but our more muted view on the S&P 500. We offer our take on why it's important for policymakers to keep inflation down and what that means for bonds, share our official view on the 10Y and finish with what all of that means for U.S. housing. You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life. "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.
Hear ye, hear ye. Howard is back on Trends With Friends with an actual friend and streaming insider: Farhad Massoudi, founder of Tubi – the free, ad-supported streaming service he started in 2011, launched in 2014, and sold to Fox for about $500M. Today, Tubi has 100M+ MAUs, $1B+ in revenue, and is profitable… not bad for what everyone once dismissed as “crap tail content.” Farhad walks through how Tubi really worked:Why he bet on the tail of the library (bottom 99%) instead of the sexy top 20 originalsHow Tubi was always a data & AI company that happened to be mediaWhy fragmentation in news, music, and now TV makes the YouTube-style model inevitableThen they go deep on the Netflix–Warner Bros–Paramount–Ellison–Qatar circus:The AT&T → WarnerMedia → Discovery saga and how the bundling thesis already failed twiceWhy Netflix paying a ~180% premium for Warner is, in Farhad's words, a huge mistakeThe harsh reality: most of Warner's library is already licensed out (including to Tubi) for yearsWhy Netflix can't just move the whole library onto its own service without nuking valuable dealsHow international licensing (like Sky in the UK) totally breaks the “just bring it all under Netflix” fantasyWhy the best they can really do is yet another bundle… over many yearsHoward and Farhad also hit: Why YouTube, not Disney/Paramount/Warner, is Netflix's real competitionHoward's own shift from “Netflix first” to YouTube first for nightly viewingWhy platforms + algorithms + data will always beat pure curation, except in tiny “Ferrari” nichesThe idea that AI will lower content costs, blow up creation, and make platforms the big winnersHow Ellison's media buying spree might be a hedge against his massive AI bet (people with more free time need more entertainment)Why it was so hard to raise money for Tubi, why the Fox deal was the right home, and why Farhad still cares about his “baby”A detour into Bravo-ification of Netflix, sports docs, and whether they actually care if you're watching or just payingPlus some extremely on-brand degeneracy: Persian carpets, 11-foot chest hairs, and showing up to a brutal Italian cycling trip having never clipped into a bikeIf you care about:Streaming wars (Netflix / Warner / Paramount / NBC / Tubi / YouTube)Platforms vs curationAI's impact on mediaAnd how real operators see this space……this is a masterclass in how the next decade of media might actually play out.Disclaimer: All opinions expressed on this show are solely the opinions of the hosts' and guests' and do not reflect the opinions of Stocktwits, Inc. or its affiliates. The hosts are not SEC or FINRA registered advisors or professionals. The content of this show is for educational and entertainment purposes only. Please consult with your financial advisor before making any investment decision. Read the full terms & conditions here: https://stocktwits.com/about/legal/terms/
Episode 736: Neal and Toby explain why Roomba maker iRobot filed for bankruptcy and what it means for the company moving forward. Then, Ford is losing money on their electric vehicles and Zootopia pulls in $1 billion at the box office. Next up why companies are seeking “storytellers” and the headlines you need to know to start your day. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Visit public.com/morningbrew to learn more Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices
Click Here to Get All Podcast Show Notes!Social media has become part of our everyday lives, but that doesn't make it trustworthy. The most dangerous part isn't the misinformation itself–it's how believable it looks.In this cautionary episode, Sharran exposes how social media algorithms manipulate what you believe, especially about money. He reveals that most viral financial content isn't built to help you–it's built to profit from your clicks. Backed by shocking data from FINRA, Sharran explains why over 70% of online finance posts fail basic compliance standards and how influencers earn more from your attention than your success.He dives into the psychology of algorithmic incentives, showing how platforms reward confidence over accuracy and how that distorts the truth. You'll also learn three simple rules to spot fake gurus and protect yourself from misleading advice online. Stop making decisions based on what you see or hear from social media-verify the information from more reliable sources.“Whoever is shouting loudest–the biggest, loudest advice–about money is often giving the worst advice about money.”- Sharran SrivatsaaTimestamps:02:04 - What FINRA discovered about viral finance posts02:44 - Why algorithms push bad financial advice04:31 - The “algorithm economics problem” explained06:22 - The hidden business model behind finance influencers09:09 - What good financial content should include10:35 - The three rules to protect yourself from bad advice12:43 - Why you should always verify with “boring sources”Resources:- The Next Billion by Sharran Srivatsaa - https://sharransrivatsaa.substack.com/- Acquisition.com - https://www.acquisition.com/- Board Member: ARC Multifamily Real Estate Investing - https://arcmf.com/- Board Member: The Real Brokerage - https://www.joinreal.com/Connect with Sharran:- Facebook - https://www.facebook.com/likesharran- Instagram - https://www.instagram.com/sharransrivatsaa/- X - https://x.com/sharran- LinkedIn - http://www.linkedin.com/in/sharran-
The markets were strong in 2025. Will this momentum continue through 2026? • Learn more at thriventfunds.com • Follow us on LinkedIn • Share feedback and questions with us at podcast@thriventfunds.com • Thrivent Distributors, LLC is a member of FINRA and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Episode 735: Neal and Toby look into why Cannabis stocks are up as Trump is expected to sign an executive order to reclassify marijuana. Then, another Trump executive order wants to challenge state AI regulations without the help of Congress. Plus, a little known kid-friendly gaming console has been flying off the shelves, even outselling the Xbox. Meanwhile, restaurant diners are leaning on appetizers to satisfy their cravings, which has some economists pointing out that it's another symptom of the “k-shaped economy.” Finally, what you need to know in the week ahead. Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Visit public.com/morningbrew to learn more Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. We've ranked five things in a particular order based on some metric. What metric have we used to order them? 1. Mario2. Garfield3. SpongeBob4. The Hulk5. Cookie Monster Submit your answers here: https://docs.google.com/forms/d/e/1FAIpQLSdJZKb8gOraojxRu5N8zsxBdEyUOnhvraNQTKodOUdliwv50w/viewform Learn more about your ad choices. Visit megaphone.fm/adchoices
In this week's episode of the Rich Habits Podcast, we're joined by Rose Yao, VP of Product Management at Google Search. ---
Ralf Preusser is joined in discussion by Adarsh Sinha and Mark Cabana. We will review the outlook for US rates and the US dollar after this week's FOMC meeting. We also analyse the motivation and implications behind the Fed's new Reserve Management Purchases. Finally, we will also discuss the dramatic repricing of the policy outlook for the RBA, preview next week's BoJ meeting and outline our views on GBP. You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life. "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.
On episode 221 of The Compound and Friends, Michael Batnick and Downtown Josh Brown are joined by Joe Weisenthal and Tracy Alloway to discuss: Dow 50,000, AI and the market, cash on the sidelines, the Fed's latest move, 10 years of Odd Lots, and much more! This episode is sponsored by Neuberger Berman and Apex Fintech Solutions. Learn more about NBSD and get important information at https://www.nb.com/nbsd. NBSD from Neuberger. Learn more at https://apexfintechsolutions.com/augmented-advice Sign up for The Compound Newsletter and never miss out: thecompoundnews.com/subscribe Instagram: instagram.com/thecompoundnews Twitter: twitter.com/thecompoundnews LinkedIn: linkedin.com/company/the-compound-media/ TikTok: tiktok.com/@thecompoundnews NB Disclosure: Investors should consider the Fund's investment objectives, risks, fees, and expenses carefully before investing. This and other important information can be found in the Fund's prospectus, and, if available, summary prospectus, which you can obtain by calling 877.628.2583. Please read the prospectus, and, if available, the summary prospectus, carefully before making an investment. Neuberger Berman BD LLC, is the distributor of the Fund and a FINRA member. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Solar, Storage, and Nuclear: The Next Clean Tech Wave Surging AI demand is creating volatility and speed-to-power challenges, while grid delays push onsite generation forward. Our Clean Tech Symposium highlighted a major shift in data center power strategies, with the percentage of facilities using onsite gas potentially doubling in the short term. But, its role as bridge vs. temporary depends on economics: transmission and distribution (T&D) spend >$100B annually and pricing trends closer to $6/MMBtu. Solar-plus-storage remains highly cost-competitive with battery prices down 40-50%, reinforcing its position in future portfolios. Nuclear small modular reactors (SMRs) are progressing with faster timelines, though commercialization is years away and cost certainty remains low. Power availability is now shaping data center site selection, where Dimple sees solar + storage and nuclear as complementary long-term solutions. You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life. "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---
On this TCAF Tuesday, hear an all-new episode of What Are Your Thoughts with Downtown Josh Brown and Michael Batnick! This episode is sponsored by Public. Find out more at https://public.com/WAYT Sign up for The Compound Newsletter and never miss out! Instagram: https://instagram.com/thecompoundnews Twitter: https://twitter.com/thecompoundnews LinkedIn: https://www.linkedin.com/company/the-compound-media/ TikTok: https://www.tiktok.com/@thecompoundnews Public Disclosure: Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The Annual Regulatory Oversight Report is one of FINRA's most valued resources for member firms—and this year, we're publishing it earlier than ever in response to member feedback. The 2026 Report features insights on cyber-enabled fraud, senior investor protection, generative AI, and much more. It also reflects our FINRA Forward commitment to empowering member firm compliance by sharing intelligence from across our Regulatory Operations.This episode features four FINRA leaders: Ornella Bergeron, Senior Vice President, Risk Monitoring, and Acting Head of Member Supervision; Bill St. Louis, Executive Vice President and Head of Enforcement; Feral Talib, Executive Vice President and Head of Market Oversight; and Bryan Smith, Senior Vice President and Acting Head of Strategic Intelligence. They discuss takeaways from the report, and how firms can leverage its effective practices and research to strengthen their compliance programs.Resources mentioned in this episode:2026 Regulatory Oversight ReportFINRA ForwardFINRA Crypto and Blockchain Education ProgramBlog Post: FINRA Forward's Rule Modernization—An UpdateBlog Post: Vendors, Intelligence Sharing and FINRA's MissionBlog Post: FINRA Forward Initiatives to Support Members, Markets and the Investors They ServeSEC Regulation Best Interest (Reg BI)5310. Best Execution and InterpositioningEp. 168: Investing Wisely in 2025: Avoiding Scams and Achieving Your Financial GoalsEp. 173: Vendor Vigilance: Navigating Third-Party RiskEp. 177: Previewing FINRA's Crypto and Blockchain Education ProgramEp. 180: Building Cybersecurity Resilience Through FINRA Forward Find us: LinkedIn / X / YouTube / Facebook / Instagram / E-mailSubscribe to our show on Apple Podcasts, Google Play and by RSS.
Mark Capleton (Global Head of Inflation Linked Strategy) and Meghan Swiber (Senior US Rates Strategist) join for a discussion on what to expect for inflation markets next year. In the US, we see value in real yield with inflation is still above Fed target and cuts expected. Cross market, we think the spread between Euro and US inflation priced too low. Disclosure: You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life. "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.
The gang is back for a “Code Red” episode of Trends With Friends.Howard is joined by regulars Michael Parekh and Roy Rubin to unpack the real state of the AI wars: Google vs OpenAI, Apple's quiet dominance at the edge, Amazon's under-the-radar AI position, and why Tesla's FSD might be the new definition of luxury.They go deep on:Why there's now a “code red” inside OpenAI after Google's Gemini pushHow Google's distribution edge (Search, Chrome, Android, YouTube) changes the AI gameRoy's real-world shift from ChatGPT power user → Gemini everyday userThe uncomfortable truth about OpenAI's business model and subscription fragilityWhy Apple and Amazon may actually be the least appreciated AI winnersHow Tesla FSD and Waymo redefine “the edge” and what luxury means (time)The coming battle over AI agents in e-commerce, Shopify/Magento, and who owns the customerWhy prediction markets (Kalshi, Polymarket, etc.) might be the new media layer over news & politicsIf you care about where AI, big tech, and commerce are really going over the next 2–3 years — not just the hype — this is the episode.Google vs OpenAI “code red” momentGemini vs ChatGPT and how users are actually behavingApple's AI moat at the edge (iPhone, iOS, App Store, Siri)Amazon, AWS, and agentic AI for enterprises & e-commerceTesla FSD, Waymo and autonomy as a time-saving utilityAgentic commerce: AI shopping vs merchant-owned funnelsShopify, Magento, marketplaces, and AI as a new distribution layerPrediction markets (Kalshi, Polymarket) as a new form of media
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share a framework you can use when implementing your money goals for 2026 that optimizes for behavior, and not outcomes. ---
Get our Free Personal Brand Playbook: https://clickhubspot.com/36cec3Start investing safely with Public: https://public.com/calumFollow Us!https://www.instagram.com/calumjohnson1/https://x.com/calum_johnson9https://www.instagram.com/maria.wendt/?hl=enTimestamps00:00 Intro03:12 "Nothing worked in the beginning"06:50 The moment everything SHIFTED (you need to hear this)13:24 How to STOP self-sabotaging your business dreams17:03 The story that proves ANYONE can make money online21:44 The $4,000 collapse that nearly broke her28:29 Her divorce, rock bottom… and the rebuild33:40 The moment she KNEW she had to change her business41:58 The TRAFFIC problem: the real reason you're not making sales47:04 The 5-step blueprint to make your first $1,000 online51:39 How to create content that gets buyers (not just views)56:54 What to sell if you only have 100 followers1:02:11 Two things your checkout page MUST have to get sales1:07:14 Subtle selling: how to pitch without pitching1:12:40 How far you can actually go with a $27 product1:16:02 How to win on Instagram in 2026About the EpisodeMaria Wendt has made over $15M selling simple digital products — but her first two years online brought in just $400 total. In this episode, she shares her secrets for how beginners can start earning with under 100 followers by solving the right problems, posting the right content, and launching hyper-specific digital products.Disclosures (Public)Paid endorsement. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Crypto trading provided by Zero Hash LLC. Zero Hash LLC is licensed to engage in virtual currency business activity by NYDFS and is not a registered broker-dealer or a FINRA member. Crypto is highly speculative and involves significant risk, including loss of principal. Cryptocurrencies are not protected by FDIC or SIPC. See disclosures for more details: https://docs.zerohash.com/page/us-lic.... Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. *3.6% as of 11/14/25. APY. Rate may change. See terms of ACATS & IRA Match Program here: public.com/disclosures/ira-match. Matched funds must remain in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time.
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---
Josh Riezman, GSR's U.S. Chief Strategy Officer, joined me to discuss how the firm is helping institutions access the crypto asset class.Topics:- Crypto market making for institutions- TradFi adoption of Crypto- Advisement of MEI Pharma in its $100M Litecoin treasury strategy- Anchoring of $100M private investment into Upexi to establish its Solana treasury strategy- Digital Asset Treasury trend - benefits, risks, etc- DATs vs ETFs
Jeffrey Condren, CFP® is a Senior Vice President and Wealth Advisor in Mesirow Wealth Management. With two decades of experience in the financial industry, Jeff has solidified his reputation as a seasoned expert in wealth management and financial planning.Jeff joined Mesirow in 2015 and has since provided invaluable guidance to a diverse clientele, helping them navigate various economic landscapes and market fluctuationsJeff was named to the 2024 Best-in-State Top Next-Gen Wealth Advisors ranking by Forbes. He is the Immediate Past President of the Ravinia Associates Board and recently served as a member of the Executive Board of Trustees at the Ravinia Music FestivalJeff earned a Bachelor of Science in Finance from DePaul University and is a CERTIFIED FINANCIAL PLANNER® professional. He holds the Series 7 and 66 FINRA licenses.Learn more: https://www.mesirow.com/capabilities/wealth-management/maniscalco-teamInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/jeffrey-condren-cfp-senior-vice-president-wealth-advisor-with-mesirow-wealth-management
Expert insights and strategies for small-, mid- and large-cap value investing. • Learn more at thriventfunds.com • Follow us on LinkedIn • Share feedback and questions with us at podcast@thriventfunds.com • Thrivent Distributors, LLC is a member of FINRA and a subsidiary of Thrivent, the marketing name for Thrivent Financial for Lutherans. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Jeffrey Condren, CFP® is a Senior Vice President and Wealth Advisor in Mesirow Wealth Management. With two decades of experience in the financial industry, Jeff has solidified his reputation as a seasoned expert in wealth management and financial planning.Jeff joined Mesirow in 2015 and has since provided invaluable guidance to a diverse clientele, helping them navigate various economic landscapes and market fluctuationsJeff was named to the 2024 Best-in-State Top Next-Gen Wealth Advisors ranking by Forbes. He is the Immediate Past President of the Ravinia Associates Board and recently served as a member of the Executive Board of Trustees at the Ravinia Music FestivalJeff earned a Bachelor of Science in Finance from DePaul University and is a CERTIFIED FINANCIAL PLANNER® professional. He holds the Series 7 and 66 FINRA licenses.Learn more: https://www.mesirow.com/capabilities/wealth-management/maniscalco-teamInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/jeffrey-condren-cfp-senior-vice-president-wealth-advisor-with-mesirow-wealth-management
As a self-regulatory organization, engagement with member firms is vital to FINRA's success. On this episode, we highlight engagement opportunities, provide insight into how FINRA is listening and taking action on what we're hearing, and encourage even more listeners to get actively involved in FINRA's outreach.FINRA Senior Vice President Kayte Toczylowski is joined by two current FINRA regional committee members: Serving on FINRA's Midwest regional committee, Margaret Dubil, Director of Surveillance for Stifel, Nicolaus & Company, and Stifel Independent Advisors; and serving on the New York regional committee, Peter Garcia, Head of Business Development and Controls at Rabobank and Officer of Rabo Securities USA, Rabobank's U.S. broker- dealer. The two provide firsthand experience on engaging with FINRA.Resources mentioned in this episode:FINRA ForwardFINRA Crypto and Blockchain Education ProgramBlog Post: FINRA Forward's Rule Modernization—An UpdateBlog Post: FINRA Forward Initiatives to Support Members, Markets and the Investors They ServeFINRA Conferences and Events2025 Involvement and Election Process OverviewFINRA Engagement PortalFINRA Advisory Committees Find us: LinkedIn / X / YouTube / Facebook / Instagram / E-mailSubscribe to our show on Apple Podcasts, Google Play and by RSS.
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz walk you through the real math behind your next car. Specifically, how the numbers shake out assuming you lease vs buy. ---
Public: Fund your account in less than 5 MINUTES at https://public.com/ICED Cozy Earth: Luxury bedding & loungewear - use code ICH for up to 40% off at https://cozyearth.com Helium Mobile: Sign up (even for the FREE plan) & get $10 in Cloud Points with code COFFEE: https://app.heliummobile.com/o6WA/4jq Printful: Sell custom products with no inventory & no upfront costs at: https://www.printful.com/a/13936130:9... Follow Sonny Here: On Youtube - / @besteverfoodreviewshow On Instagram - https://www.instagram.com/besteverfoo... His Website - https://www.besteverfoodreviewshow.com/ Add us on Instagram: / jlsselby / gpstephan Apply for The Index Membership: https://entertheindex.com/ Official Clips Channel: / @theicedcoffeehourclips For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:01:42 - Most dangerous food he's eaten 00:05:17 - Why he risks his life 00:06:21 - Ideas he vetoed 00:08:10 - Foods he won't eat 00:08:39 - Instinct vs culture in taste 00:11:28 - Would he ever eat human 00:18:50 - Sponsor - Public 00:19:58 - Why Brunei has low crime 00:20:52 - Why eating together matters 00:25:17 - Most painful food experience 00:27:12 - Best bite he's ever had 00:28:51 - Worst food texture 00:29:53 - Food he'd never eat again 00:33:56 - Most expensive meal he's had 00:35:15 - Sponsor - Cozy Earth 00:37:04 - Best “poor man's” food 00:40:52 - Why American food is unhealthy 00:42:29 - How he got into food reviews 00:45:06 - Early video concept ideas 00:48:26 - Cost to make an episode 00:50:31 - Could he run his business in the U.S. 00:51:26 - Hygiene in places he films 01:06:29 - Has he eaten anything illegal 01:07:00 - Sponsor - Helium Mobile 01:08:24 - Sponsor - Printful 01:09:37 - Americans criticizing foreign food 01:12:58 - Thoughts on eating animals abroad 01:13:56 - Lab-grown meat vs real meat 01:14:35 - Overrated vs underrated food countries 01:16:03 - How he stays fit 01:30:40 - Sonny at Hormozi's workshop 01:31:48 - What his revenue looks like 01:46:57 - His mad honey experience 01:51:46 - Food he expected to hate but loved 01:53:25 - His death row meal Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchp.... Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time. *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---
On episode 199 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Corey Hoffstein, co-founder, CEO and CIO at Newfound Research to discuss: what return stacking is, how the 4 year rule works, leveraging BNPL, making up for lost investing time, and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Public. Fund your account in five minutes or less by visiting http://public.com/ATC Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! https://www.thecompoundnews.com/subscribe
Public: Fund your account in less than 5 MINUTES at https://public.com/ICED Bevel: Try one month for FREE at https://www.bevel.health and use code ICED! Wayfair: Shop, save, and score today at https://Wayfair.com Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich Follow Ken McElroy Here: @KenMcElroy Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Apply for The Index Membership: https://entertheindex.com/ Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:01:15 - Does debt scare you 00:01:59 - Ken's net worth 00:06:19 - Money misconceptions 00:07:39 - New assets this year 00:12:51 - Commercial real estate market 00:13:21 - Maximizing rent prices 00:16:03 - Ken's first property 00:17:11 - Sponsor - Public 00:18:18 - Why Ken succeeded 00:22:15 - Getting into property management 00:24:41 - How did you meet Kiyosaki 00:26:47 - Are home prices sustainable 00:29:21 - Buying vs renting 00:36:46 - Sponsor - Bevel Health 00:37:59 - Will there be a market correction for single family homes? 00:40:59 - How government policy affects housing prices 00:43:02 - Ethics of having a real estate empire 00:54:21 - How to get into real estate with no money 00:58:36 - Jack's HOA nightmare 01:07:26 - Sponsor - Wayfair 01:08:58 - Sponsor - Shopify 01:10:36 - Do 50-year mortgages help people 01:15:57 - Future of the U.S. dollar 01:17:02 - Thoughts on bitcoin 01:17:33 - Money advice to younger self 01:20:06 - Best investment ever 01:24:55 - Living healthy into your 90s 01:28:50 - Worst investment ever 01:30:19 - Properties he sold 01:36:35 - Ideal amount of money 01:41:03 - Net worth needed for a $10M house 01:43:34 - Does money buy happiness 01:45:51 - Dark side of success 01:50:02 - How much he works 01:53:04 - Net worth for private jet 01:54:02 - Best ways to spend money 01:55:41 - Ken's philosophy on raising kids Public Disclosure: All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Crypto trading provided by Zero Hash LLC. Crypto is highly speculative and involves significant risk, including loss of principal. Cryptocurrencies are not protected by FDIC or SIPC. See disclosures for more details: https://docs.zerohash.com/page/us-licenses-and-disclosures. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. See terms of IRA Match Program here: public.com/disclosures/ira-match. Matched funds must remain in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices
On episode 218 of The Compound and Friends, Michael Batnick and Downtown Josh Brown are joined by Warren Pies to discuss: Nvidia earnings, how the market will end the year, solutions to America's housing affordability crisis, and much more! This episode is sponsored by Public and Vanguard. Fund your Public account in five minutes or less by visiting https://public.com/compound Learn more about Vanguard at: https://www.vanguard.com/audio Sign up for The Compound Newsletter and never miss out: thecompoundnews.com/subscribe Instagram: instagram.com/thecompoundnews Twitter: twitter.com/thecompoundnews LinkedIn: linkedin.com/company/the-compound-media/ TikTok: tiktok.com/@thecompoundnews Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. See terms and conditions of Public's ACATS & IRA Match Program. Matched funds must remain in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. *Rate as of 9/26/25. APY is variable and subject to change. Learn more about your ad choices. Visit megaphone.fm/adchoices
If you leave a job, you're probably focused on your next move, not tracking down that old 401(k). But those old 401(k)s are your money. And if you don't find them, manage them, or move them where they can grow smarter and harder for you, you're leaving cash on the table. Today, Nicole walks you through exactly how to track down a lost 401(k) and roll it over into a new retirement account — with all the details, step-by-step, so you don't make expensive mistakes. Rollover your old 401(k) and earn a 1% boost at public.com/moneyrehab If your old employer went out of business, check the National Registry of Unclaimed Retirement Benefits and the Department of Labor's Abandoned Plan Search Past Money Rehab episode on the difference between a Roth IRA and a Traditional IRA This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms here.
On this TCAF Tuesday, hear an all-new episode of What Are Your Thoughts with Downtown Josh Brown and Michael Batnick! This episode is sponsored by Public. Fund your account in five minutes or less by visiting http://public.com/WAYT Sign up for The Compound Newsletter and never miss out! Instagram: https://instagram.com/thecompoundnews Twitter: https://twitter.com/thecompoundnews LinkedIn: https://www.linkedin.com/company/the-compound-media/ TikTok: https://www.tiktok.com/@thecompoundnews Public Disclosure: All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. See terms and conditions of Public's ACATS & IRA Match Program. Matched funds must remain in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability—verify independently before use. *Rate as of 9/26/25. APY is variable and subject to change. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices