Podcasts about finra

On episode 197 of The Compound and Friends, ⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠ and ⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠ are joined by Cole Wilcox, Founder, CEO and CIO of Longboard Asset Management to discuss: all things trend following, using systems to overcome emotion, technical analysis, Nvidia, the new generation of investors, 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: 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. *Rate as of 3/5/25. APY is variable and subject to change. **Terms and Conditions apply. 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

Tom welcomes Roxy Butner back to field listener questions on retirement income, Roth vs. traditional 401(k) choices, car financing math, leftover 529 rollovers, and bond price confusion. Listeners hear sharp, practical advice on optimizing savings and withdrawals—without slipping into tax traps. Plus, a shoutout to the record 401(k) savings rate and a surprising mini-lesson on estate planning trends. 0:05 401(k) savings rates hit a new high—why 20% total savings should be your goal 2:40 Roth vs. Traditional 401(k) for younger investors—Roxy makes the case 3:57 Listener Q: Early retirees managing withdrawals across brokerage, Roth, and IRA accounts 6:36 Tax bracket management vs. withdrawal strategy—how to stay in the 24% 8:38 Roth conversions and RMD prep—why to think now about later taxes 9:41 Why DIY retirees still need a second set of eyes on their plan 10:25 Listener Q: What to do with $16K left in a 529 plan 11:24 529-to-Roth rollover rules and strategy 12:31 Listener Q: Pay cash for a car or finance at 1.9%? 13:58 Emotional vs. mathematical car finance decision-making 15:11 Listener Q: Got 6/7 on FINRA quiz—why do bond prices fall when rates rise? 17:36 Bond basics: duration, rate risk, and quality 17:53 Roxy's real-world client trend: surge in estate planning questions 18:54 Free portfolio analysis plug and Roxy's parting thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 177 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Ritholtz Wealth CEO and TCAF Host Josh Brown to discuss how to get rich without crypto, how RWM invests, reaching retail investors, and much more! Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Public. Find out more at: https://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 If you're a financial advisor, sign up for advisor-focused content at: ⁠⁠⁠⁠⁠⁠https://www.advisorunlock.com/⁠⁠⁠⁠⁠⁠

In this podcast, we cover the concept of current yield, how to calculate it, and what it tells investors. Achievable has courses with industry-best pass rates for the FINRA SIE, Series 6, 7, 9, 63, 65, and 66. Try our courses for free at https://achievable.me.

On this TCAF Tuesday, Josh Brown sits down with Ric Edelman, Founder of Edelman Financial Engines to discuss: how far Bitcoin has come, the correct Bitcoin allocation, Tokenization, Stablecoins, and much more! Then at 01:03:40 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: 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 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. *Rate as of 3/5/25. APY is variable and subject to change. **Terms and Conditions apply. 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

How are investors affected by rising U.S. government debt? • 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.

“Most central banks will prefer to sit back and wait and see.” In this week's PERSPECTIVES Weekly podcast, the Global Head of the Private Bank's Chief Investment Office, Markus Müller, notes that the U.S. Federal Reserve's decision to stay put on rates is likely to be echoed by other central banks, as the economy confronts geopolitical instability and trade uncertainty. The Fed's Chairman, Jerome Powell, made clear that the U.S. central bank is “well positioned to take a wait-and-see approach on the future path of rate cuts.” In his other capacity as the Private Bank's CIO for Sustainability, Markus also takes a moment to explain some recent developments in carbon-capture technology, and to consider the possible impacts on carbon markets, particularly the better-developed one in Europe. It is not only carbon emitters who need to pay attention, he says. “Carbon capture is an essential ingredient for society, not an option – in our point of view – if we want to limit climate change.”Of the macroeconomic data coming this week, “the really big one is, of course, the University of Michigan consumer sentiment on Friday,” Markus says. “And the Fed might be watching this one too.”For more investing insights, please visit deutschewealth.com.In Europe, Middle East and Africa as well as in Asia Pacific this material is considered marketing material, but this is not the case in the U.S. No assurance can be given that any forecast or target can be achieved. Forecasts are based on assumptions, estimates, opinions and hypothetical models which may prove to be incorrect. Past performance is not indicative of future returns.Performance refers to a nominal value based on price gains/losses and does not take into account inflation. Inflation will have a negative impact on the purchasing power of this nominal monetary value. Depending on the current level of inflation, this may lead to a real loss in value, even if the nominal performance of the investment is positive. Investments come with risk. The value of an investment can fall as well as rise and you might not get back the amount originally invested at any point in time. Your capital may be at risk.The services described in this podcast are provided by Deutsche Bank AG or by its subsidiaries and/or affiliates in accordance with appropriate local legislation and regulation. Deutsche Bank AG is subject to comprehensive supervision by the European Central Bank (“ECB”), by Germany's Federal Financial Supervisory Authority (BaFin) and by Germany's central bank (“Deutsche Bundesbank”). Brokerage services in the United States are offered through Deutsche Bank Securities Inc., a broker-dealer and registered investment adviser, which conducts investment banking and securities activities in the United States.Deutsche Bank Securities Inc. is a member of FINRA, NYSE and SIPC. Lending and banking services in the United States are offered through Deutsche Bank Trust Company Americas, member FDIC, and other members of the Deutsche Bank Group.The products, services, information and/or materials referred to within this podcast may not be available for residents of certain jurisdictions. © 2025 Deutsche Bank AG and/or its subsidiaries. All rights reserved. This podcast may not be used, reproduced, copied or modified without the written consent of Deutsche Bank AG. 030620 030121

Europe's top diplomats are racing to Geneva for emergency talks with Iran today, hoping to stop Trump from bringing the U.S. into full-blown war. And Cloudflare's CEO warns that publishers are getting gutted by AI bots that scrape their content without paying. He says it's only going to get worse.Featured Guests: Oliver Libby, managing partner and co-founder, H/L Ventures | Ben Narasin, founder and general partner, Tenacity VCDOWNLOAD PUBLIC: ⁠Public.com/venture⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠public.com/venture⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠Fee Schedule⁠. *⁠Terms and Conditions⁠ apply.

Agenda: 00:00 – Meta's $14.8B Deal for Scale: The Analysis 05:40 – Will Scale Lose Their $800M ARR? Will All Customers Leave? 13:00 – Who is the Winner from All Scale Customers Leaving? 21:30 – Who Made the Most Money From Scale? 24:00 – LPs Just Got $14B Back. Are They Reinvesting? 26:45 – Chime IPO: The Breakdown 29:20 – Ramp Hits $16B Valuation: Are We Back in 2021? 31:10 – Ramp vs Brex vs Mercury: Who's the Real Winner? 34:00 – Gusto Going Public with $900M in ARR??? 36:40 – Dropbox vs Glean: Can the Old Guard Survive the AI Wave? 38:50 – Is Slack Dead as a Platform? Salesforce Shutdown Slack API? 41:15 – Will China Dominate AI? The Bets Are In 43:00 – S&P Prediction, iPhone Assembly in the US, and Rory's Rants Please read the offering circular and related risks at invest.modemobile.com. This is a paid advertisement for Mode Mobile's Regulation A+ Offering. Past performance is no guarantee of future results. Investing in private company securities is not suitable for all investors because it is highly speculative and involves a high degree of risk. It should only be considered a long-term investment. You must be prepared to withstand a total loss of your investment. Private company securities are also highly illiquid, and there is no guarantee that a market will develop for such securities. DealMaker Securities LLC, a registered broker-dealer, and member of FINRA | SIPC, located at 105 Maxess Road, Suite 124, Melville, NY 11747, is the Intermediary for this offering and is not an affiliate of or connected with the Issuer. Please check our background on FINRA's BrokerCheck.  

The new pope is making AI his holy war, warning Silicon Valley that unchecked algorithms threaten human dignity, and he's calling for global rules to rein them in. And a pro-Israel hacking group just vaporized $90 million from Iran's top crypto exchange, accusing it of funding terror, then torching the evidence on the blockchain.Featured Guests: Bob Van Luijt, co-founder and CEO, Weaviate | Brian Rothenberg, general partner, defy vcDOWNLOAD PUBLIC: ⁠Public.com/venture⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠public.com/venture⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠Fee Schedule⁠. *⁠Terms and Conditions⁠ apply.

Target-date funds just passed $4 trillion in assets. They're now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice… or just the easiest one?   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:    Marc: Target-date funds just passed $4 trillion in assets. They're now the default investment in many 401Ks for millions of Americans, who are using them without really understanding how they work. So this week on Plan With The Tax Man, let's talk target-date funds.   Hey, everybody. Welcome to the podcast with Tony Mauro and myself as we talk investing, finance and retirement. Of course, Tony is the Tax Man, and if you've got questions or concerns or need some help when it comes to today's topic, or any other, make sure you're talking with a qualified professional like Tony and his team at Tax Doctor Inc. You can find them online at yourplanningpros.com. That's yourplanningpros.com. Tony's got 30 plus years of experience as a CPA, CFP, and an EA, so a great resource for you to tap into.   Tony, my friend. What's going on buddy? How are you?   Tony Mauro: I'm well. Enjoying the summer so far, and as we're recording, that's getting closer to the July 4th holiday, so things are good.   Marc: That's true.We'll drop this one this week about two weeks early, and then we'll drop another one, probably right around there.   So what do you think about that? 4 trillion bucks, man, in target-date funds? That's a lot of dough.   Tony Mauro: That's a lot of money. It seems that clients are starting to ask about them more. Basically, what is it? Do you think it's a good idea?   Which is why I wanted to talk about it a little bit just to shed some light on all this.   Marc: Because the question is, Tony, is it the smart choice or is it the easy choice?   So they were created for that purpose, to be easy, I think. I think that's part of it because... Well, we give some back history here, just a little teeny bit. Again, according to Morningstar, hit $4 trillion in assets. In fact, it says eight out of every 10 Vanguard 401k investors hold one today. So start at the beginning a little bit. What exactly is a target-date fund? Give us just a quick breakdown.   Tony Mauro: It's as the name implies, is basically they set a date, and they have all these different funds. So for example, if you're 50 years old, and they have a fund that they put a date on it, so 15 years from now they'll call it the 2040 fund, and then the '45 and on and on and on.   Marc: Which we're used to seeing, right?   Tony Mauro: That's what you see. And really what they're designed to do, is based on your age, they basically take a portfolio growth-oriented as you're younger, if you've got a lot of time left, and then as you age, it becomes more and more conservative, and shifts on its own to more and more conservative funds. With the theory that is that as you get closer to retirement, you want to take less risk, and you want to make sure that a down little blip in the market two to five years is not going to kill you as far as that goes.   So, it makes it really appealing to a lot of investors with this whole thing. Talk about set it and forget it. This fund is that exactly.   Marc: It's definitely that. So they call it the glide path, so it's designed. But I think there's some misnomers in there. So part of that, but based on what you were just saying, sometimes people say... Okay, well let's just go with an easy number here, Tony. We'll just say the 2050 fund. So it's 25 years from now, so I've got 25 years before I'm going to retire. I'm set to retire in 2050. So that'll work great, I'll just do that. Again, if you're doing nothing, I think these target-date funds can be cool, but some of the downside is that risk tolerance you were just talking about.   First of all, they don't go all the way down to zero. So I think some people feel like there's this, "Oh, well, if they're reducing my risk as I get closer to my target-date, I'll be really, really no risk by the time I get there."   And that's not usually the case. Usually, what? It's about 50/50 I think is about where they stop at.   Tony Mauro: That's usually what it is, what I see, even in the most conservative, say the last two to five years. And I do think people, because they're marketed as the set it and forget it, they don't really look at some of that stuff.   So, while they offer the simplicity and the chance to rebalance, I don't think they're all the same. And I think this is where, rather than... It's better than doing absolutely nothing. Let's get that on the table. But if you're going to use one of those, as many people do, I think you should work with your advisor to make sure that this is something you really want. You need to look at the fee structure you need to look at...   Marc: That's another great point.   Tony Mauro: ... The asset mix as you get a little closer to retirement, is that maybe it's too conservative? Maybe it's too aggressive.   To me, with our clients, I like to have a little bit more, I don't want to say control, but yet...   Marc: Well, that's what it is though, right? Well, so all right, so you're thinking about... You just mentioned...   Okay, a couple of positives, let's do that. So it's very easy if finance isn't your thing, you just want to pick something, and so you can roll, and that way you're putting in your 401k at work, and you're getting the match, and blah, blah, blah, and you're earning something for retirement, great. Okay, very easy. Good to do.   The auto rebalancing, again, another benefit. So that makes it easy. You don't have to worry about that too much, because they auto due, but you just mentioned the fees. These are managed and so they come with fees, correct? Higher fees, sometimes.   Tony Mauro: Sometimes they come with higher fees, because based on how the fund is structured, and what their fund is supposed to do, they may be moving in and out of securities more often than not.   And I think the other thing, too, is a lot of people don't really look at how long the fund's been around some of the maybe longer-term performance. Just even as the managers, because you certainly don't want to buy a real laggard=type of target-date fund if they don't have a good record as managers. But most of them are going to be okay to a little above average.   But the point is to take a look and delve into some of this stuff, because it's something you got to watch out for.   Marc: Definitely.So you've got the fee structures conversation, does it actually fit your needs? So I think that's part of it.   So let me rephrase it this way, Tony, you've been doing this for 30 plus years as I mentioned earlier, I think if you're a younger person, if you're in your twenties, thirties, maybe even your forties, and you've taken a new role, new gig someplace, and you're setting up the account, and as I mentioned, more and more companies now are automatically... You have to check to opt out of a target-date fund. So check that whenever you're setting up with HR and all that stuff.   I think they can be useful. You're getting it going. You're busy, you've picked the target-date fund for the year that you're going to turn 65, but I think as you get closer, and you mentioned this a minute ago about your clients, I think once we get to 50 plus, maybe there's better options out there for us to be looking at doing it. Is that fair?   Tony Mauro: I think that's fair. And I think it's especially prevalent, and we have cases like this all the time. If a person is maybe behind, in other words, we do a plan, and we figure out where they want to be and figure out that they don't have enough to get to that goal, we may need to change up some things, assuming the risk tolerance and everything else aligns with that. And the target-date fund wouldn't be a fit for that at all. We wouldn't be able to get to where we're going.   But in all of our meetings, as we're setting up the investments part, we do talk about target funds. And I don't mind using them for a small portion of the portfolio to start, just as a little bit of a buffer as the set it and forget it part. So there is a fit. So I'm not come off totally against them,   But I think in most cases, especially above 50, especially when you get to the distribution stage, we certainly don't want to leave our money in the target-date funds, because most of the time you're looking for as much yield as you can get for that income distribution. So I think they have their fit.   I think too many people are just like you say, just saying, "You know what? I don't know anything about any of this. I'm just going to throw my money in that."   That's not a bad option. I think the better option is to talk to somebody and to work with your advisor to see if that is the best fit for you and diversify even more.   Marc: And I had just seen not long ago, and I was trying to find it so that I could cite the place that it came from, but it said over the last five years that more and more target-date funds are automatically shifting to a higher aggressive stance to begin with. Probably because the market had been doing well, plus with the bond trouble that bonds had been experiencing for a couple of years.   So again, to your point about allocation, and about risk tolerance, and all that stuff, that's where some of the misnomer comes in. People feel like, okay, this is going to be probably a fairly safe bet. It's going to be a 60/40, it's going to stay that way, 60/40 split's going to stay that way. And then as I get closer to retirement, it's going to drop down to 70/30, 70 being safer. And that's just not always the case.   So you really want to talk with an advisor and dig into it. So do you guys, when you're working with people that come in for the first time, and you're going through their list of assets, do you look into those and see what's going on there?   Tony Mauro: We do if they have those in their 401k. And then we'll usually pull a report just to let them know what that fund is about and what its makeup is, what its asset allocation is, and based on everything else that we'll do in our planning software, is that the right fit for them in the portfolio? A lot of times it is. But if that's their only one, generally we'll suggest some other things, at least for the future.   Marc: What typically is in some of these bigger ones, typically it's going to be a lot of large cap and stuff, isn't it, Tony?   And so I was thinking about this the other day. So if you're picking a 2040, 2050 fund, but then you're also going and getting some investments on the side. Let's say you want to do some extra stuff and you're like, "oh, I'm going to go get a mutual fund through Schwab" or whomever.   A lot of times you wind up buying the same stuff, because you're probably picking a mutual fund that you're looking at to see, hey, it's doing fairly decent and it's probably all around, well, lately, tech, and these large-cap companies, the S&P, and whatnot.   Tony Mauro: It is. And I think so many people don't look at that. They think they've got a ton of diversification in their mutual funds, [inaudible 00:10:08]   Marc: "I got that from Schwab, myself, and my target-date funds through Fidelity." I'm just making stuff up. But then they think, "Okay, two different companies, two different mutual funds, two different sets of stuff. Cool. I'm more diversified."   But often it's not.   Tony Mauro: It's really not. And when you delve into it a little bit, you can point some of that stuff out, and it's a little aha moment for them just to basically say, "Look, if there's nothing wrong with this, but you really don't have as much diversification as you think, and based on how we want the plan to go, we might just to make some tweaks."   Marc: Gotcha. Okay. All right. Any final thoughts? I don't want to belabor the point too much.   I like this thought that I have to wrap this up, Tony, and then I'll let you tell me what you think. Look, they're easy as we said, but sometimes that's the problem. And with so much money riding in a one-size-fits-all strategy, I think it's worth asking the question, are you planning for retirement or are you coasting towards it? What do you think?   Tony Mauro: I would say that's definitely true. I would say from a planner standpoint is we try to get a little more intentional with it, and we don't really want to... Not that the default is a bad thing, but we want to make sure it's the right fit for you. So I definitely think there should be at least a little dissecting before you just coast rather than plan.   Marc: And I think definitely age has something to do with it. So like a lot of things in finance, what you're doing in your twenties, and thirties, and forties may be fine if you're going with the one size fits all easy, low-hanging fruit. But as we get to 50, we start thinking about things a little bit differently and maybe it's a little worthwhile to start really getting somebody to look under the hood, so to speak, and really dissect that a little further.   So, you got some questions with that stuff, need some help, reach out to Tony and his team at Tax Doctor Inc. Get yourself onto the calendar by simply going to their website, yourplanningpros.com. Or you can call them at 844-707-7381. 844-707-7381.   And don't forget to subscribe to the podcast on Apple, or Spotify, or whatever podcasting platform app you enjoy using. Just type in "Plan With The Tax Man" in the search box, or just simply go to the website, yourplanningpros.com.   Tony, my friend, thanks for breaking it down. As always, I appreciate you.   Tony Mauro: Okay, we'll see you next time.   Marc: We'll see you next time right here on Plan With The Tax Man with Tony Mauro.   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.

OpenAI just scored a $200 million deal with the Pentagon to bring cutting-edge AI into U.S. defense, signaling its deepening role in national security. And at the same time, OpenAI is pushing to rewrite its partnership with Microsoft, risking a high-stakes rupture as it tries to reclaim more control over its future... and its profits.Featured Guests: Jackson Moses, founder and managing partner, Silent Ventures | Will McKelvey, investor, Lerer-HippeauDOWNLOAD PUBLIC: ⁠Public.com/venture⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠public.com/venture⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠Fee Schedule⁠. *⁠Terms and Conditions⁠ apply.

In this podcast, we provide an analysis of why some common stock issuers pay cash dividends and others do not. Achievable has courses with industry-best pass rates for the FINRA SIE, Series 6, 7, 9, 63, 65, and 66. Try our courses for free at https://achievable.me.

The Trump family is launching a gold, U.S.-built smartphone that blends MAGA branding, a $47 wireless plan, and a direct challenge to Apple and Samsung. And a former Navy airstrip in Silicon Valley could become the launchpad for America's fastest-moving robotics hub, aiming to beat China in the physical AI race.Featured Guests: Josh Gerbin, founder, Gerben IP | Aidan Gold, investor, Ensemble VCDOWNLOAD PUBLIC: ⁠Public.com/venture⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠public.com/venture⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠Fee Schedule⁠. *⁠Terms and Conditions⁠ apply.

FINRA Forward—New Initiatives to Support Members, Markets, and the Investors They ServeFINRA360Request for Comment on Capital Formation Rules, Guidance and ProcessesRequest for Comment on Modern Workplace Rules, Guidance and ProcessesRequest for Comment on Associated Persons' Outside ActivitiesStatement to Correct Misinformation About Outside Activities ProposalBroad Review to Modernize Rules Regarding Member Firms and Associated PersonsProposed Rule Change to Modify the Implementation Schedule Regarding Corporate Financing FeesProposed Rule Change on Transaction ReportingEngage With FINRA Find us: LinkedIn / X / YouTube / Facebook / Instagram / E-mail

The U.S. Army is enlisting Silicon Valley's top tech execs into a new elite Reserve unit, tapping their brains to modernize battlefield technology. Kevin Weil (CPO, OpenAI), Shyam Sankar (CTO, Palantir), Bob McGrew (former CRO, OpenAI and engineering director, Palantir), and Andrew “Boz” Bosworth (CTO, Meta) are trading their hoodies for fatigues to help drag Pentagon systems out of the digital dark ages.Featured Guest: Ramsey Brame, co-owner, partner, and head of growth, Quadrant AdvisoryDOWNLOAD PUBLIC: ⁠⁠Public.com/venture⁠⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠⁠public.com/venture⁠⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠⁠Fee Schedule⁠⁠. *⁠⁠Terms and Conditions⁠⁠ apply.

Microsoft is gearing up to unleash its AI Copilot inside the Pentagon, marking what could be the largest deployment of generative AI in U.S. government history. And in a stunning escalation, Israel has bombed Iran's nuclear and military elite without U.S. backing, killing top generals and scientists and igniting what could be a high-stakes regional war.Featured Guests: Christine Yen, CEO and co-founder, Honeycomb.ioDOWNLOAD PUBLIC: ⁠Public.com/venture⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠public.com/venture⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠Fee Schedule⁠. *⁠Terms and Conditions⁠ apply.

Agenda: 00:03 – Circle's IPO: Investors Just Left $BNs on the Table 00:06 – CoreWeave & Circle: Are We Back to Meme Stock Madness? 00:11 – Should Stripe and Databricks Finally Go Public? 00:17 – US Stock Markets: How They DOMINATE the Global Game 00:21 – 50% of Unicorns Are DOOMED. What Happens Now? 00:25 – Founders Fund Just Dropped $1B on Anduril. Why?! 00:29 – What Would You Do If LPs Let You Go Wild? 00:36 – What Missing Out on Millions for Docusign Taught Rory 00:44 – Cursor is 20% of SaaS Spend: The Shocking Data Behind the SaaS Slowdown 00:47 – AI vs. SaaS: The Great Budget War Begins 00:48 – Can AI Take Budget from the Talent Budget or Will It Remain in Software Budgets? 00:56 – SpaceX, Tesla, Neuralink: Elon's Empire After the Firestorm Please read the offering circular and related risks at invest.modemobile.com. This is a paid advertisement for Mode Mobile's Regulation A+ Offering. Past performance is no guarantee of future results. Investing in private company securities is not suitable for all investors because it is highly speculative and involves a high degree of risk. It should only be considered a long-term investment. You must be prepared to withstand a total loss of your investment. Private company securities are also highly illiquid, and there is no guarantee that a market will develop for such securities. DealMaker Securities LLC, a registered broker-dealer, and member of FINRA | SIPC, located at 105 Maxess Road, Suite 124, Melville, NY 11747, is the Intermediary for this offering and is not an affiliate of or connected with the Issuer. Please check our background on FINRA's BrokerCheck.  

Hollywood heavyweights Disney and Universal are suing AI darling Midjourney for allegedly mass-producing bootleg versions of their iconic characters, from Yoda to the Minions, in what they call a billion-dollar AI-powered copyright heist. And Trump claims he's sealed a “great deal” with China restoring trade peace, locking in rare earth mineral access and student visas, while slapping a fixed 55% tariff on Chinese imports that he says is here to stay.Featured Guests: Jeff Smith, CEO and co-founder, 2nd Set AIDOWNLOAD PUBLIC: ⁠Public.com/venture⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠public.com/venture⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠Fee Schedule⁠. *⁠Terms and Conditions⁠ apply.

On episode 175 of Ask The Compound, Ben Carlson and Duncan Hill are joined by CFO and Tax Specialist Bill Sweet to discuss downsides to 100% of assets in a Roth, making a career shift towards finance, the best savings options for kids, and much 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 and earn up to $10,000 when you transfer your investments over to Public 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 If you're a financial advisor, sign up for advisor-focused content at: ⁠⁠⁠⁠⁠https://www.advisorunlock.com/⁠⁠⁠⁠⁠

Mark Zuckerberg, frustrated by Meta's lagging AI models, is hand-picking a secretive “superintelligence” dream team. He's courting researchers at his homes and betting billions to outbuild OpenAI in the race to AGI. And Snap announces its first ever consumer AR glasses will be available in 2026: sleek, AI-powered Specs that promise games, gesture control, and a digital life beyond your phone.Featured Guests: Jeff Becker, general partner, Antler | Jake O'Shea, principal, AntlerDOWNLOAD PUBLIC: ⁠Public.com/venture⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠public.com/venture⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠Fee Schedule⁠. *⁠Terms and Conditions⁠ apply.

In this podcast, we cover the fundamentals of common stock equity securities, including an analysis of benefits and various types of issuers. Achievable has courses with industry-best pass rates for the FINRA SIE, Series 6, 7, 9, 63, 65, and 66. Try our courses for free at https://achievable.me.

Los Angeles continues to erupt in fiery protests over ICE raids, with Waymo cars torched, streets blocked, and 4,000 National Guard troops deployed, igniting a political firestorm between Trump and California leaders. And a suspected cyberattack has forced Whole Foods' main distributor offline, threatening grocery deliveries nationwide and exposing fresh cracks in America's supply chain.Featured Guests: Tom Sauer, co-founder and CEO, The MacArthur Group | Alberto Yépez, co-founder and managing director, Forgepoint CapitalDOWNLOAD PUBLIC: ⁠Public.com/venture⁠Invest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at ⁠public.com/venture⁠ and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our ⁠Fee Schedule⁠. *⁠Terms and Conditions⁠ apply.

In this episode of "Discovering Grayslake," host Dave sits down with Alan, a local lawyer, to discuss life, law, and community in Grayslake. Alan shares heartfelt stories from his legal career, insights into family and criminal law, and his passion for giving back through local organizations. The conversation is filled with humor, personal anecdotes, and reflections on Grayslake's vibrant spirit—from favorite pizza spots to community events. With a warm, hometown feel, this episode highlights the importance of connection, kindness, and supporting one another in the Grayslake community. Automatically Transcribed With Podsqueeze Speaker 1 00:00:03  Looking for a car dealer that actually feels like your hometown. Welcome to City Chevrolet of Grayslake, where the vibe is friendly, the pressure is off and you'll always be treated like family. Meet Anthony Scala. He's just not the owner. He's a guy that grew up in the car business, worked his way from porter to owner. Anthony believes in people first. That's why City Chevy sponsors your kids teams, your town events. And matter of fact, this show, they give back every chance they get. Anthony thinks that the experience of buying a car should be fun. No pressure, just honest people who care whether you need a new Chevy, a quality used car, or just service you can trust. City Chevy is here for you. Come visit City Chevrolet of Grayslake right off of 120. And thank you for sponsoring Our town. Our stories, our voice. Let's get after it. Grayslake. Grayslake Rehabilitation Center is a community based private practice physical therapy provider. Do you know they have 13 clinical providers with various levels of specialties including orthopedics, sports, neurology, vestibular geriatrics, pelvic floor and aquatic. Speaker 1 00:01:05  What did I just say? They have a pool. Well they do. And it's the largest indoor warm water pool in Lake County. Featuring two underwater treadmills and swim currents and recently added clinical treatment specialties. In layman's terms. Shockwave. They have both radial and focus units that are the newest tool in regenerative medicine available to everyone. They pride themselves on the most current and up to date specialized care to keep you moving. If you're looking for physical therapy, make sure to see our friends at Grayslake Rehabilitation. All right, ladies and gentlemen, welcome to another episode of Discovering Grayslake. I'm so happy to be here recording again at Agora Co-working. Agora. As you know, if you've listened to any of these shows, Agora is on the corner of Centre Street and Atkinson. It's a co-working place, so if you guys are looking for a place to get your, your business out of the house for a day, for an hour, for a week or a lifetime home, Luke over here is a great dude, and I'll be happy to help you out. Speaker 1 00:01:58  So shout out to Agora for having us here. so I'm not going to mess up your name because you help me. So I'm here with Alan and Ziggy today. That's right buddy. Speaker 2 00:02:07  Hi, Dave. Nice to see you. And, Hello, internet. Speaker 1 00:02:09  Yes. So, actually, it's funny that we, Just as we sat down, we went over just a short thing of all the people from Grayslake that we just from just the Grayslake people that we know we have in common. Speaker 2 00:02:20  Right? I was living in Grayslake for the last 15, 20 years, and, my family lives in Grayslake. My mom does still, even though my dad passed away and I've been active in the Grayslake Exchange Club for a long time. So that's how I kind of got to know the people in that business community, stuff like that. Speaker 1 00:02:35  Right. Okay, so when I got arrested for the third time when I called you and then I called you, and I've not been arrested. Speaker 2 00:02:42  I would not be able to disclose the details unless you told me it was okay. Speaker 2 00:02:45  So just let me know, and I'm happy to. But we have attorney client confidentiality, which prohibits me from talking about it. Speaker 1 00:02:51  Which means all the fun stories that I want to ask you about to tell me today. You can't. Speaker 2 00:02:54  I can tell you stories, but I can't say like, hey, you know my client, Sergio. Guess what happened, right? I can't say that, but I can say I had this one guy and this one thing. I could do that, right? Speaker 1 00:03:03  He looked a lot like Mike Steiner, but. Speaker 2 00:03:06  Nobody looks like Mike Steiner. No, Mike Steiner is like Mike Steiner. Speaker 1 00:03:10  Doesn't even look like Mike Steiner. Speaker 2 00:03:12  He's like a ten. I mean, he's like, maybe mistaken for George Clooney from time to time. Speaker 1 00:03:17  He gets that a lot. I am. Speaker 2 00:03:18  Sure. Speaker 1 00:03:19  Shout out. Shout out to right at home. By the way, one of the sponsors of. Speaker 2 00:03:21  The show is an okay. Speaker 1 00:03:22  Dude. He's great. okay, so, Grayslake has changed, but what is your job? Speaker 2 00:03:27  Okay. Speaker 2 00:03:28  I am a lawyer. Speaker 1 00:03:29  Okay. What kind of a lawyer? Speaker 2 00:03:30  Okay, so my background is as a prosecutor. And when I was a prosecutor with the state's attorney's office. I guess I'll answer this in a long winded way. The easy question is, I tell people at Christmas parties. Like, what kind of lawyer are you? Divorces and DUIs. Okay. Okay. Because that's an easy way to break down family and criminal law. Those are my two specialties. I'm in a law firm called Johnston, Tommy Lansky and Goldberg. I'm one of the founding partners of that law firm, and we do everything collectively. I have a partner that does real estate. I have a partner that does business formation. I have a partner that does wills and trusts. We do probate litigation, foreclosures. We do all kinds of stuff. But my particular role at that law firm is family. So your divorces, child custody, child support type cases sometimes, and then also criminal cases. And, like, I have a murder right now. Speaker 2 00:04:20  So everything from murders down to traffic tickets and suspended licenses. Speaker 1 00:04:24  Is that normal for me? Because this shows how much I know. Is it normal for an attorney to have such a broad range of things like that? Speaker 2 00:04:30  So for me, I want two things, you know, so two things is pretty normal. If you're a guy that only, let's say only does criminal, it's I don't know you people do that, but I like to have a second sort of, type of case because sometimes it ebbs and flows in what you're getting. You know, the family law cases are hourly. The, criminal cases are a flat fee. Usually both are great. The family law cases are more, I guess intellectually and emotionally challenging sometimes. Which which maybe surprises some people. My criminal cases are usually a joy. Like family law cases can be tough. Speaker 1 00:05:08  Yeah, and that's one thing, because, it's no secret that I've been divorced twice. And, you know, for the for the people. And many people listen to the show, I mean, just from the, from the age demographics that I know that if people gone through these, like, heart wrenching, terrible parts of their life where they need someone like you to help guide them through and and hopefully make it as easy as possible. Speaker 2 00:05:29  Divorces are hard. I mean, a lot of you that are listening, have experienced it or your parents did or whatever. So, divorces are very difficult for people, and the plan with me would be just to get them done on time and under budget with a handshake at the end. Speaker 1 00:05:44  Okay. And I've never heard that before because I, I unfortunately, you know, I was spending a lot of time in courtrooms and seeing stuff like that, that it seems like, you know, the guys maybe that aren't doing well, or maybe they need to pay off their boat or something, string things along as long as they can. Speaker 2 00:05:58  They okay. I would never cast aspersions. I tell you, you might be surprised. The family law bar in Lake County is mostly fantastic people. Yeah. most of those lawyers I really like, I get along with the strength of our bench, you know, which means the judges in Lake County is good. Our bench is good. Our bar is good. there are a couple of lawyers that I'm like, oh, I got a case with her again. Speaker 2 00:06:21  Oh, I got a case with that guy. Right? because sometimes the law, just like any maybe more than some other, professions, can attract people with, like, a type of personality. That's annoying. I don't know, I don't want to. I'm not a psychiatrist or psychologist, so I can't say, like, all my clients come in and they say, oh, my husband, he's a narcissist. Or like, he's gaslighting me. People like those psychological sort of terms from today. Like the now times. Like we didn't know what narcissism and gaslighting was in 1997, right? Or I didn't, but now I do for sure, because all my clients are like, he's gaslighting me, he's a narcissist, he's a blah, blah. Speaker 1 00:07:01  One minute your world is normal, the next it's gone. A flood, a fire, a crime scene. Your home shattered, your business shut down, your life on pause. But in the darkest hour, when chaos knocks at your door, that's when Servpro of Northwest Lake County shows up. Speaker 1 00:07:20  Not just a company, not just a cleanup crew, but neighbors, parents, coaches, locals who care. Drake and his team aren't just restoring properties. They're restoring peace, restoring dignity, restoring lives. So when your worst day arrives, call the oh no guy who becomes your, thank God guy. Servpro of Northwest Lake County, locally owned, nationally known, unshakable and trusted from devastation to restoration. Duration. Servpro, northwest Lake County. Speaker 3 00:07:50  Hey, neighbors, this is Bill Mack with the Grayslake Chamber of Commerce. And if you're looking for a network of hardworking, customer focused and generally friendly local businesses who are dedicated to helping each other succeed, then I'd like to invite you to check out and consider joining our Grayslake chamber. We offer our members so many ways to advance their businesses through social networking events, special events, sponsorships, informative lunch and learns, and the ever popular after hours mixers. Come see why we say we're the new wave of business here in Lake County. Speaker 1 00:08:22  Well, at this time of day, everything needs a label, right? Speaker 2 00:08:24  They throw those labels around. Speaker 2 00:08:26  Which, I mean, there's there's nothing wrong with it. it helps me to identify, at least. Now, I don't know if the person saying he's a narcissist means that. Really, she's right and he is a narcissist. Or if it just is helping me to flag this case is going to be a little bit tougher than maybe some other ones. Truth, right? I could see that. It's like one. Okay. Like in internet. Now, I'm sure people are, like, watching TikTok. Like red flag. Red flag. Like I see, yes, red flags when those kind of cases walk in. Speaker 1 00:08:56  Absolutely. Yeah. And I'm sure things changed like that too. Okay. So I want to go back a little bit because you have a it's a very interesting that for me, if I was doing your job I would love it that you could do one day like you have a murderer thing. Totally. But but then you can have a family law case or maybe help a dad get, you know, custody of his child. Speaker 1 00:09:13  Like, yeah, at least there's a little variety for fun, right? Speaker 2 00:09:15  It's interesting. I mean, today I had a couple of DUIs up, you know? And DUIs are like a bread and butter type case for a criminal defense attorney. Because most people, especially in Grayslake, especially in Lake County, they're not murderers. They're not gang members, but otherwise good dude or an otherwise good lady who is not necessarily manifesting a criminal intent. Like I'm going to go shoplift. It's a guy saying, I've had too much to drink, I'm gonna drive. He's making a dumb choice to drive home, but he's not having the criminal intent. Like I want to endanger somebody tonight. Right. Right. And so a DUI is usually the first time that somebody that's a good person is in hot trouble. Speaker 1 00:09:55  Okay. Gotcha. And, you know, it's got to be nice to, some of these, I'm sure, having satisfaction to be able to to help people out and help them navigate through things they have no idea what they're getting into. Speaker 1 00:10:05  Right. Speaker 2 00:10:05  So. Okay, I used to work for a really fantastic attorney in Round Lake Beach, and I want to make sure to give a shout out to Round Lake Beach. That is an awesome town full of super awesome people. And this lawyer I used to work with, named Bruce Scotland. He taught me a lot. And he's still out in Round Lake. He's a competitor of mine, but I really respect him. And when I started working for him, he. He said, Alan, we love helping people for money. And I'm like, yeah, I love helping people for money. Right. Speaker 1 00:10:34  Well put. Right. It wouldn't be as fun as if you didn't get. Speaker 2 00:10:37  Paid for it. No, but I mean, and that, you know, it's a business. You want to help people? Yes. For money. Right. Right. So. And I'm not trying to sound cold, I do some pro bono. I know it's me, but I don't do pro bono divorces. Speaker 2 00:10:47  No way. They're too hot. They take too long. I'll do a pro bono traffic ticket. I'll give people. I used to volunteer at a safe place, and they have a, a battered women's shelter in Zion. And I used to go there, and I used to talk to the ladies about free legal advice. How can I help you? What do you. They have questions about everything, and I would just volunteer and talk to them. I love that, but, a really hot case to do pro bono is is a big mistake for attorney, in my opinion. Yeah. Attorney in my position, I'd say right. Speaker 1 00:11:16  Okay, so the one thing that really, that I found appealing when I was looking through, when we got connected and I went through your website and I was looking at things like places, like a safe place, like, those are people that really need help, right? Yeah. It's tough. I tip my hat to you for going in there and helping out, because I know there's a list of different things that that you do to give back, which is which is extremely generous of you. Speaker 2 00:11:39  Thanks. I just I just signed up to do the mock interviews at Libertyville High School. That's a cool program. Yeah. Cool. That high school has a really good program where they have these kids that are in the business class, and you give them mock interviews to, you know, improve their skills, to hone their hone their interviewing abilities. And I was blown away by how great the kids were. Really? I was like, you're really smart. You're really smart. Wow. You're what an active, wonderful person. And I was like a bump on the log. When I was in high school, I wasn't active like. Speaker 1 00:12:10  I would have loved to seen what my interview would have been like in high school. Speaker 2 00:12:14  I don't know, they were fantastic, but. So some of the stuff I do, yeah. In Libertyville, I was been active in Grayslake because I lived in Grayslake for many years. over there on West Trail. my mom lives in Harrison Farms and, yeah, that's we were living in Grayslake ever since about the turn of the millennium. Speaker 2 00:12:32  So that that wave of people that like third wave of of immigrants to Grayslake that began in the 90s when the, you know, when they started building the subdivision. Speaker 1 00:12:42  Farms, right? Yes. I think that I was one of the first off the Mayflower to when I landed at Avon on the Prairie, one of the first ones off of Atkinson. That was like one of the first things that wasn't in, you know, Grayslake proper. Right. So to say. Right. Right. That's what we showed up. But but so then how long ago is that? Speaker 2 00:13:01  So we moved here in like 2001. Okay. So my mom and dad bought a place in Grayslake on West Trail North in Harrison Farms. And I remember the first day we came to graze. Like, I'm from Florence, Illinois. Speaker 1 00:13:12  Okay. I was just gonna say. Where did you originally come from? Speaker 2 00:13:14  I'm from philosopher. I went to Homewood Philosopher High School. I was born in Harvey, at Ingalls. and, But that's why sometimes I get, like, a Chicago accent. Speaker 2 00:13:22  I don't know, whatever. It's like, it's a but but floss more is is a nice town in the 90s. I mean, it's like the lake bluff of the south side. Yeah. So we we had a good time growing up. Speaker 1 00:13:31  They should put that on their sign. Speaker 2 00:13:32  By the way. Yeah. Right. The lake bluff off. Speaker 1 00:13:35  The. Speaker 2 00:13:35  South side. I need the. Speaker 1 00:13:36  T. Speaker 2 00:13:36  Shirt. I mean, it is. I mean, it's kind of like being the tallest midget, you know? I mean, but no offense to people that are little people. I love them, too. but, you know, I don't know where I was going at that. Speaker 1 00:13:51  Time of growing up in Hollywood or more. Speaker 2 00:13:54  Grew up there. So then I came to, I lived in Champaign because I went to school down at U of I and Champaign, and it was fantastic. And my parents moved up to to Grayslake. So I come up to Grayslake, and on our first day, the restaurant they took me to was Bill's Pub North. Speaker 2 00:14:08  Yeah, right. Engages like and I just thought in my mind I'm like, I'm in the woods. My parents moved to Wisconsin, you know, where am I? I'm like, this is the woods. I mean, here in Wisconsin, there's a polar bear hanging there and there's fish every on, on the wall. And I thought, this is this is great. And it turned out Lake County's not quite Wisconsin, but it's close. It's an interesting. Speaker 1 00:14:29  Perception, I guess if you've never been here. And that's the place they took, I had to. Speaker 2 00:14:33  The only thing I had done with Grayslake before that when my parents moved here, Let's go to Prairie Crossing. Okay. Because my aunt and uncle lived in Prairie Crossing, which is a interesting. I wouldn't say the word weird, but it's an anomalous little part of the world. Prairie crossing is. Speaker 1 00:14:51  Absolutely. Speaker 2 00:14:51  I had never seen anything like that before, because I think that community at the time was novel and maybe still is. so I thought that all Lake County was like that. Speaker 2 00:15:00  And then I saw Bill's Pub and I went, oh my gosh, I'm in Wisconsin. Speaker 1 00:15:03  What's going on? You have no idea. Speaker 2 00:15:04  Where you're at. Am I at the U.P.? I mean, how is ten feet of snow? You know, this is I came from 708. You know, the land of good pizza and terrible baseball. Now, here I am. Speaker 1 00:15:15  The lake bluff on the south side. Speaker 2 00:15:17  Right, right. Yes. Speaker 1 00:15:18  That's awesome. okay, so, when you're studying law. So when you went to, you went to U of, I, law school? Speaker 2 00:15:25  No. So I went to I was an undergrad at u of I. Okay. and then I went to law school at DePaul. Speaker 1 00:15:30  We're taking a quick break just to say hello, because everybody knows Nano and Nano knows real estate. And actually I believe that's the name of her Instagram page. So if you're looking to buy a home, sell a home, or know somebody in the market for a home, contact nano from Baird and Warner. Speaker 1 00:15:44  She's a Grayslake girl helping out Grayslake people. And when you when you went to law school, did you know what you wanted to practice? Speaker 2 00:15:52  Yeah. So I don't mean to be, like, whatever, a little bit, emotional or emo in the, in the interview, but it was September 11th of 2001. Right. And you probably remember that day, but I could remember that day. I wanted a date with the girl. I looked in the sky and I saw there was no jet contrails. What a what a crazy day. And after that day, I thought to myself, I would like to be in law enforcement because I'd like to help our country for, I don't know, because America, I like America. Amen. And I was mad. Oh, I'm nine over 11, right? I mean, come on. Speaker 1 00:16:27  Everybody was. Yes. Speaker 2 00:16:28  So. But after that, I thought I'd go into criminal law. I thought I wanted to be a prosecutor, So then I got a job with Mike Waller, at the State's Attorney's office. Speaker 2 00:16:39  And I tell you, you know Mike Waller, I owe him everything. I love the guy. I know some people don't, but he's a politician. There's people that hate his guts, people that love and support him. He always was a gentleman to me, and I never. I just thought that, the decision making he made was good, and he gave me a job saving my bacon. You know, and so I got to begin my career as a prosecutor. And I was a line assistant state's attorney in Waukegan. They start you off as a DUI assistant. So, you know, brand new 25 year old kid. I was prosecuting DUIs. Misdemeanor DUIs. Right? Misdemeanor traffic cases out in the branch courts. And that was very good. Fulfilling. Fun work, I liked it. Okay. You know, you did. and then, they switched me to just misdemeanor stuff. And I was prosecuting your retail thefts. And back when weed was illegal, I was prosecuting your weed cases and your trespassing. Speaker 2 00:17:31  And here's your fights. And then they stuck me in the domestic violence division for a long time. Speaker 1 00:17:35  Okay, so how was that? Speaker 2 00:17:38  Okay. You know Lew Frank. Of course. Okay. Lew Frank is a fantastic Grayslake. And he would say felt like five minutes underwater, you know, to to be a line assistant in the domestic violence courtroom is hard. Speaker 1 00:17:55  I. Speaker 2 00:17:55  Bet. Because you have to look at the cases. And so, like, are you familiar with the cycle of violence? This is this theory. Speaker 1 00:18:02  I am not. Speaker 2 00:18:03  Okay. So it's a theory that's a big part of criminal prosecutions of domestic violence. And the cycle of violence goes like this. Right now we're having a fight, and I'm going to use the gender of he and she, you know, whatever. But sometimes women can be the victim of domestic violence. Sometimes guys can. But in a classic situation, let's say he slaps her. Okay. Then she calls the police. He's arrested. But then in a few days she's like, maybe he's not that bad or I need him out of jail so he can, like, work and pick up our kid from school. Speaker 2 00:18:35  Like you've been a parent, you know? And so maybe she takes them back and then they have a honeymoon period where it's, like, passionate, like we love each other, and then it can happen again, you know? And that cycle of violence. The State's Attorney's office was really keen to interrupt it. Right. But then that meant that lots of times you'd have the victims, I guess recanting, they'd say, hey, that didn't happen like that, or I'm not coming to court, you know? And so that was frustrating. And then sometimes you had cases, not all, sometimes you had cases where it was a situation where the family's going through a domestic violence thing. Maybe. But maybe what it really is, is a child custody thing. And somebody ringing the bell of domestic violence to get a leg up on somebody in a child custody type proceeding. Right. Like, like I'm going to get an order of protection against him. So I get our kid, which, I mean, I get that, but you need to really be careful about abuses of the system. Speaker 2 00:19:32  So as a line assistant with the State Attorney's office, as back then, I mean, things have changed a little bit now. They have had two different, changeovers between the state's attorney. but anyway, long story short, you still have to use your discretion to decide what really happened. And at least at the time I was a state's attorney, we were empowered with a good amount of discretion. It was awesome. Speaker 1 00:19:53  Really. Speaker 2 00:19:54  So. Speaker 1 00:19:54  Yeah. And and I'm sure with that, too, like, you probably get to be a really good read of people. but then sometimes you probably think you are and then people bamboozle whatever. And you probably don't even know. Speaker 2 00:20:06  I mean, you ever been lied to about your own kid, right? Speaker 1 00:20:09  I mean, you believe. Speaker 2 00:20:09  Him, and then you believe him, and you're like, I have egg on my face. I was lied to in kind. You know, so sometimes, you know, you just you don't have a, a lie detector that buzzes when she lies or he lies, you don't know. Speaker 2 00:20:25  So you have to do your best with what the facts are. But there was a good team at the time. But yeah, I did. Two and a half years as a as a domestic violence prosecutor. And then so when I left the State's Attorney's office, I thought to myself, well, I've been doing family law cases basically already. I may as well do them as a business. Sure. You know, so that's what I did. So now my practice is a hybrid. That's why I say divorces and DUIs. It's family law cases. And then it's criminal law cases too, because I've done all that. Speaker 1 00:20:52  Wow. So your resume is quite deep for all kinds of different things, right? Speaker 2 00:20:58  I guess. Speaker 1 00:20:59  Right. Speaker 2 00:20:59  You know, it's just like, I don't know how other people get through life. This is just what I did. Right. Speaker 1 00:21:05  Well, and everybody, you know, people look at different people, whether you're a doctor, whether you're a lawyer, whether you're a podcaster, where whatever you do that, everybody does something for a line of work that, you know, people are. Speaker 1 00:21:16  You deal with very delicate situations, people going through stuff. And especially the one thing about the family law stuff, it it must be hard for you to stay. You have to almost train yourself to not get emotionally involved in some of those things, right? Speaker 2 00:21:28  I sometimes. Speaker 1 00:21:28  Do. Speaker 2 00:21:29  I remember my first adoption. You know, we had a case that was a very ugly family law case, and it went on a long time. And then at the end of it, the dad, he agreed to put the child up for adoption. To the mom and her new husband. Okay. So the dad was making a very hard choice. Because, I mean, to give up your child, you know, and to look in the mirror and say, all right, I wasn't doing that good of a job. This new dude who's married my ex girl, he'll do better in the best interest of my child. It takes kind of like a man to do that. Speaker 1 00:22:06  Oh, that's a big decision, right? It's a big leap of faith. Speaker 2 00:22:08  But on the other hand, too, you know, maybe people are judging him about. You walked away from your kid, you didn't fight harder. So it's very tough, you know. And that's the type of case I remember I had, like, one manly tear going down my. Speaker 1 00:22:18  Face. Speaker 2 00:22:19  Looking into my steely eyed gaze. No it wasn't. I was bawling like a baby. I was so happy for them, you know? But also that's that's. Those are big moments. Yeah. Speaker 1 00:22:30  So you cool stuff too? Yeah, right. And to see people come through stuff that they deserve that the, the law can either work in your favor or against you. And it's nice when it actually works, right. Speaker 2 00:22:40  It's hard. I will say, okay. I was worried as a kid that I would come into the law and see a lot of weird stuff, like judges tossing cases in exchange for Cubs tickets. I have never seen any of that in Lake County. Really? I have never seen anything crooked or weird. Speaker 2 00:22:58  Everybody's been really professional. I mean, and I'm like, me that right? It's not just because I want to keep on working with these people. Most of them are fantastic. Speaker 1 00:23:06  Well, well, the Cubs have been doing that. Speaker 2 00:23:08  Well, no better than the White Sox, sadly. Speaker 1 00:23:11  Now, if somebody did something bad. Speaker 2 00:23:12  For White Sox. Speaker 1 00:23:13  Tickets, we really question what. Speaker 2 00:23:15  I heard. You could buy some chili at Wendy's and you get free season tickets to the White Sox, right? A cup of chili at Wendy's. Speaker 1 00:23:22  So well. In all seriousness, it is really good to hear you say that because, you know, everybody watches all these TV show, every law TV show and court TV show that people have this fantasy of things, how how they how they go along. Speaker 2 00:23:34  I don't ever watch any legal TV at all. Ever. I just don't. That's probably a good idea. The last legal movie was probably Liar Liar with Jim Carrey, which is a fantastic movie. Speaker 1 00:23:46  Very serious movie about the law. Speaker 2 00:23:48  I don't because I like do it for a living. And then honestly, at 502 when I'm at home, I'm like, I'll see you tomorrow. That sounds like a a modern day problem, al. Speaker 1 00:23:58  Right. Right. Speaker 2 00:24:00  So no, because otherwise you go insane. Speaker 1 00:24:02  No. Yeah, well, everybody needs a break from their job. Nobody wants to go home and do it. And that's why, you know, I've been self-employed for a very long time. That's why most self-employed people end up getting in office in hopes that when you go to the office, you can leave and leave your work there and go home. And if they can make that work. Speaker 2 00:24:20  That's why I don't work from home. Ever. Speaker 1 00:24:22  Yeah, well, good for you. Speaker 2 00:24:23  I mean, I guess ever is a word, I mean. I, I don't. Never say never. I don't like to work from home. And I very, very, very seldom. Speaker 1 00:24:30  Do. Speaker 2 00:24:30  It. Speaker 1 00:24:30  Right. Okay. That's good. Speaker 1 00:24:32  let's do something, because I have a couple other questions to ask you, but, you've said you've listened to a couple of podcasts. Sure. so we do something about halfway through. I call the Grayslake hot seat, where we have some rapid fire questions to get to know you just a little bit better. Speaker 2 00:24:45  I ain't scared enough. Speaker 1 00:24:46  Remember when you said, are these open ended questions, or is this an interrogation or whatever? I ain't scared, right? The Grayslake hot seat is brought to you by Joe Velez, JP financial. It's often said that those who fail to plan are planning to fail. Joe Velez and his team at GPB financial create unique financial plans that are some of the most difficult challenges that people might face as they get older, no matter what stage of life you're in. Having a proactive financial plan can help navigate some of the difficult decisions you'll face, helping you live your life by design, not default securities and investment advisory service offered through Mosaic Wealth, Inc. member Finra, SIPC. Speaker 1 00:25:26  Now for the Grayslake hotseat. Hey. Thanks, Joe. This is where we need the, This. We should have done with a surveillance camera to do this, I think would have been really good. Speaker 2 00:25:36  I've seen lots of those police interviews. I'm looking around for the mirror with the guy behind it. Speaker 1 00:25:42  It's just. It is behind there. We just have the, newer ones, so to say. okay. So, Grayslake. Casey, did you play a, a sport in high school in the lake bluff of the the swimming. Speaker 2 00:25:58  I was on my country club swim team. The floss. More flyers. Yeah. Wow. Speaker 1 00:26:03  Yeah, that sounds bougie as all good. Speaker 2 00:26:05  It was kind of bougie, but, I mean, at the time, I didn't think it was. And at the time, I thought I looked fat in that Speedo. But now I look at those pictures, I'm like, you looked awesome, right? Speaker 1 00:26:13  Well, you got to look back. Speaker 2 00:26:14  Were you wearing a Speedo and everything? It was the 90s. Speaker 1 00:26:17  Were you good? Speaker 2 00:26:18  I mean, okay. Okay. I didn't come in last place because I'm kind of tall, right? And they made me swim a lot. I mean, in the morning, they would say it's 7:00 in the morning, do a bunch of laps. And when you're 14, 15, 16, you do that a lot. You get to be fit. Speaker 1 00:26:32  Oh, absolutely. It's the best. Speaker 2 00:26:34  That was nice. I like that I played T-ball as a little kid. but no, swimming was my jam. And then I became a lifeguard. I was a lifeguard for the H.F. Park district. That was fantastic. Speaker 1 00:26:43  Yeah, that's not a bad gig to have. Awesome gig. Yeah. Nice. First car. Speaker 2 00:26:48  Well, Volvo 740, a blue baby blue Volvo 740. Speaker 1 00:26:52  Nice. I'm a Volvo. Speaker 2 00:26:54  It helped me get one of my first girlfriends who was, honest to God, a Swedish foreign exchange student at my high school. No way. Anne-Marie. Honest to God. Speaker 2 00:27:04  And she. Speaker 1 00:27:04  Got her with a Volvo. Speaker 2 00:27:06  Because they make them in Sweden. And she. She sees it and she goes, oh, she goes, what an awesome car. But I wish it was a Saab. Speaker 1 00:27:14  You did? Speaker 2 00:27:15  She did. Totally. Speaker 1 00:27:16  That's so great. And, folks, I want you to listen closely. Maybe. Hit the rewind button there, because that is the first and last time you'll ever hear on the show about how a guy got a girl because of a Volvo. Speaker 2 00:27:25  That was unlikely. Speaker 1 00:27:27  The only reason that it will happen, totally. Speaker 2 00:27:29  But it was it was. That was my Volvo. It was my in with the Swedish girl. I was fine by me. Speaker 1 00:27:34  That was hilarious. Yeah, and they don't make many blue ones like that either. So it. Speaker 2 00:27:38  Was cool. It was a baby blue Volvo. I mean, whatever, I don't think it was. No, it wasn't cool, but it got me from A to B and. Right. Speaker 1 00:27:45  Whatever, man. Speaker 1 00:27:46  Hey, I got 200,000 on mine sitting in the parking lot. Speaker 2 00:27:48  I had a Dodge Neon for a while. I love that Dodge Neon. Right. I can talk about cars. Speaker 1 00:27:51  Yeah. You were, Yes. The the, two of the hottest cars. I could think of. Hot stuff in my head. speaking of that. So this is what? Oh, maybe this would be a fun one for you. What's the fastest you've ever gone in a in a vehicle? Speaker 2 00:28:06  Well, I got, like, an airplane, like. Speaker 1 00:28:07  No, no, no, we'll leave that out. Speaker 2 00:28:09  Like in. Speaker 1 00:28:10  A car. In a car. Speaker 2 00:28:10  I don't know, a hundred. Speaker 1 00:28:12  Just a. Speaker 2 00:28:12  Hundred, you know. Yeah. Because, I mean, I was a kid and stepping on it. Right. And nowadays, if you do that, like, I never do that anymore. I don't speed anymore. I don't, because the consequences. And I don't mean like death and dismemberment. Yeah. Speaker 2 00:28:24  That happens. Speaker 1 00:28:25  That's all legal consequences. Speaker 2 00:28:26  Yeah. The cops light you up, you know, and the the cases are class A misdemeanors. and they're punishable by up to a year in jail and or a fine of $2,500. Speaker 1 00:28:36  Wow. Speaker 2 00:28:37  Back when I was a prosecutor, I became friends with some police. And maybe they don't say this anymore, but I used to hear nine year fine, 11 year mine. Okay. All right. Which is consistent with my lived experience. Speaker 1 00:28:49  Of going nine miles over. Speaker 2 00:28:50  Nine year fine 11 year. Mine is what the police would say. And and that bears with what I've seen during the time that I've, I've done lots and lots of traffic tickets as a, as a prosecutor and as a defense attorney. And you never see somebody getting pulled over for five over. Right? You know, they are looking at you for 11 to 15 starting at 11, maybe 15 now 20. They want you right? You know, but like I said, nine. You're fine. Speaker 2 00:29:15  11. Your mind. I think that's pretty good. That's the advice I give a lot of the kids that I represent. This is. Speaker 4 00:29:20  Bob Churchill. I know you are always there for your family, caring for your children, your spouse, and even your parents. But in critical times, will you be able to make decisions that assure the best result for your family? Power of attorney may be necessary if, on behalf of a loved one, you need to talk to a doctor, a bank, or the college infirmary. A power of attorney may sound daunting, but the lawyers at Churchill, Quinn, Hamilton and Van Dantzler can easily create this document for you. We are right here in Grayslake supporting the community for over 122 years. Reach out to us at Grayslake law.com or call us at (847) 223-1500. Whether you need a power of attorney, a will or legal help with your business, we'll take care of you so you can care for others. Go to Grayslake Law.com today for more information. Have a wonderful day. Speaker 4 00:30:09  And now back to the program. Speaker 1 00:30:11  Interesting. That's good advice, too. which is funny. I won't tell you how fast I've gone then, because I would not have been fine. Tell me something. Do you like to travel? You have not been. Speaker 2 00:30:25  So I've been like Johnny Cash. I've been everywhere, you know. I have been to lots of different places in this country because my wife is a maniac for travel. She loves it. And we have little kids and we take road trips. But we had little kids. Now they're getting old. my oldest is a sophomore in high school. Speaker 1 00:30:40  Oh, my gosh, it goes fast. It does it really. It just moves. It moves moves, moves so fast. And then I think I heard you have a ten year old too, right? Speaker 2 00:30:46  He's he's a wonderful guy. Awesome guy. but yeah, I have a of a 16 to 12 and a ten, and we've always done road trips around the country. you know, I don't know, early ones where? Tennessee and Kentucky, Upper Peninsula of Michigan, all through Wisconsin. Speaker 2 00:31:00  Indiana. Out to Maine. East coast, Florida. A lot of times we've flown out to California, Utah and Nevada. so around the country And then, like I used to, I lived in Europe briefly. I lived in London for a few years. Speaker 1 00:31:14  Did she really? How cool is that? Speaker 2 00:31:16  My mom, she was a lawyer at, Amoco. Right. The the gasoline company, you know, Amoco. They used to have that big white tower in downtown Chicago. The Amoco building, right? Absolutely. Formerly Standard Oil of Indiana. John Rockefeller's thing. And then they trust. Busted it. Whatever. Monopoly busted it. Right. So. But Amoco, if you remember, in the 90s, merged with BP, British Petroleum. So they moved my mom's job from Chicago to London. So we lived there for a while, and I was kind of in school in champagne and going to London in the summertime. That was awesome. Speaker 1 00:31:47  Oh yeah, especially at that age. But it was really cool. Speaker 2 00:31:50  I worked at a bar. I worked at a pub called the Prince Albert Stafford. That is the guy. It was awesome. Speaker 1 00:31:58  Folks, this isn't a real interview. Just so you know, I just brought one of my buddies in. Speaker 2 00:32:02  I worked at a at a pub called the Prince Albert, and it was in, Notting Hill. Right. You remember Notting Hill with the Hugh Grant movie? You've probably never seen that movie. Speaker 1 00:32:11  I've seen the movie poster. Speaker 2 00:32:12  I saw the poster. Yeah. So Hugh Grant, I thought he was good in the dad movie. But I never saw Notting Hill. But I worked in Notting Hill. so. Yeah, I don't know. Travel places. Speaker 1 00:32:23  There's nothing that you have, like a bucket list. Like I gotta. Speaker 2 00:32:26  Go. Like I don't need to go to Thailand. I don't know. I guess if I had infinite money, I'd travel Europe again, I like it. Sure. Speaker 1 00:32:32  You know, when the. The age of your kid. It sounds like you did your traveling and you did what you wanted to. Speaker 1 00:32:36  And your kids have got, like, some of the best education that kids can get is traveling all over the United States because the United States is cool. Speaker 2 00:32:43  It's fantastic. And like when you travel the United States, like the other day I was coming back from Florida on I-65. We stopped at the Bucky's in Athens, Alabama, which is, you know, a Bucky's is like a like a, you know, if you, you know, a Bucky's, of course. Yeah. It's a giant gas station in front of a giant Walmart, basically. You know, or maybe more like a Kmart. Speaker 1 00:33:03  But one of my favorite places, one of my favorite things, if anybody goes on TikTok right now, there's a woman that explains what Buc-ees is and is the most brilliant thing I've ever seen in my whole life. I love it. Like, if you want to feel like your true, true white trash, she explains exactly what it is. And because we all get excited to go to a Bucky's right. Speaker 2 00:33:22  My kids were stupid excited. They were. And I'm like, guys, it's a gas station that's in front of a K-Mart. What are you talking about? You know. Speaker 1 00:33:29  Exactly what. Speaker 2 00:33:30  It is. I mean, whatever. Back in the old days, Kmart used to have barbecue sandwiches, too. True. Speaker 1 00:33:35  You just couldn't get a puzzle. A sweatshirt and a, you know, corned beef sandwich? No. All at the same time. Speaker 2 00:33:40  It's a fancy dress I've traveled around. It's great. I like. Speaker 1 00:33:43  The train. I like the Bucky's. Was one of the highlights on your trip. Kept coming back. It kind of was. It's kind of. It's kind of fun. And we're getting one close to here now. I keep seeing the signs. God love. Yeah. Speaker 2 00:33:53  God love them. I hope that they take over. I'm ready for Bucky's to be the only employer in the United States. Speaker 1 00:34:00  Did we talk? What was your first job when you were. So you lifeguard was a lifeguard? Speaker 2 00:34:05  Yeah, I was a lifeguard. Speaker 1 00:34:05  Did we call that a job? Is that a job? Speaker 2 00:34:07  Oh, really? Man. Lifeguard. It could be my career. That is a fantastic job. Speaker 1 00:34:12  Maybe when you want to retire, you can go back and be a lifeguard. Speaker 2 00:34:14  My uncle, actually, he was like a car salesman and stuff. And then when he retired, he used to be a lifeguard at his, you know, apartment complex. Like, that's a great job, dude. Come on. Speaker 1 00:34:24  Wow. Maybe when I grow up, I'll look into that. Speaker 2 00:34:26  Be a lifeguard. Speaker 1 00:34:27  It's cool. I'm gonna. Speaker 2 00:34:28  It's cool. Speaker 1 00:34:29  I think it could be a. Speaker 2 00:34:30  Tad creepy. Speaker 1 00:34:31  If I applied at the Grayslake pool right now. Speaker 2 00:34:33  No, I mean, they need people that with with with maturity and experience. Yes. You know. Speaker 1 00:34:39  I have a shirt that says that that's for my requirements. Speaker 2 00:34:42  And it was nice. And I worked at Jewel. I worked at the library in summer. I mean, it was great. Speaker 1 00:34:47  So you had a lot of different jobs? Yeah. Speaker 1 00:34:48  So you actually were taught some work ethic as a as a child from your parents as well? Speaker 2 00:34:53  Well, they worked hard. My parents, they loved each other. They stayed together the whole time. They were both lawyers. They worked. And I just wanted to work. Right. Speaker 1 00:35:01  I don't know. They said very good examples, right? That's awesome. first concert you ever attended? Speaker 2 00:35:07  Man, I don't know. okay. It was, the World Music Center, right? Yeah. Q101 had one of those concerts that's like, not it wasn't, not not, Twisted Christmas. It's the one they did in the summertime. And I remember that garbage. Jamiroquai. Mighty, mighty. Speaker 1 00:35:27  Boston's nice. Speaker 2 00:35:29  Were there. I mean, that's, like, awesome. And I went with a Swedish girl. Really? So. Yeah. Speaker 1 00:35:34  Did you drive the Volvo. Speaker 2 00:35:35  There, though? Maybe I might have got dropped off by my parents, so. Speaker 1 00:35:39  Good, good. Good concert. Speaker 2 00:35:41  I saw the Smashing Pumpkins down there, but that was a different day. Speaker 2 00:35:44  Oh, nice. Billy Corgan, love that guy. Speaker 1 00:35:46  Yeah. He, Billy was at that because I had forever. I forget that where they're from, around North Shore. Yeah, right. And I was hanging out, and I was doing a daddy daughter dance, and a guy came up that looked a lot like Billy Corgan and asked for a song. And I had told him no. Yeah, because it wasn't really. It wasn't really appropriate. Yeah, right. And then somebody came back and one of the people said, well, Mr. Corgan asked for a song, and I guess you told him that you weren't going to play it. And I'm like, okay, well, it just didn't fit with what we were going to do, because I like to think that I do the right thing, right? You do the wood, you work music, you do the right thing for the party. You got to know your audience, unless it's Billy Corgan. And then you just say. Speaker 2 00:36:23  Do what he says. Speaker 1 00:36:24  Right? Speaker 5 00:36:24  Despite all my rage, he's awesome. Speaker 2 00:36:27  It was the best. Speaker 1 00:36:28  And it wasn't a pumpkin song, though. Speaker 2 00:36:29  Oh, that's too bad. Speaker 1 00:36:30  I wish I knew what the song was, though, to look back. Speaker 2 00:36:32  I would think that Billy loves putting on pumpkin songs. I would think that he lists the pumpkins all the time. Speaker 1 00:36:38  He's driving around right now listening. Speaker 2 00:36:40  To all these new stuff because his old stuff is for posers. He's like that old stuff. I'm over it. Only my new stuff. Only Billy and Machines have got to listen to right now. Speaker 1 00:36:48  Yeah. That's hilarious. if you had to have a superpower, what would it be? Speaker 2 00:36:54  Being the greatest golfer ever. Speaker 1 00:36:57  Really? Speaker 2 00:36:57  Yeah. Speaker 1 00:36:58  Come on. That would be good. But then you wouldn't have. Would it be any fun? Because then you beat everybody all the time. But yeah, you could play with people though. Speaker 2 00:37:05  Then you'd be good at golf. And that's what my dream would be. I would love to. Speaker 2 00:37:08  I'm not that good at golf. I wish I were okay. I practice and practice and the people that are naturally gifted, I look at them with such envy, you know? Speaker 1 00:37:17  Now, being a being an attorney makes you a better golfer, though. Doesn't like doctors and attorneys and like. Speaker 2 00:37:22  Yeah, yeah. And some of the attorneys really suck, which is great because I can just stuff them. You know, these old guys especially that that don't play that much. Oh, I'm way better than them. That makes me feel so good about myself just to stuff them. Yeah. Hey. Nice chat counsel. Oh. Speaker 1 00:37:38  That's fantastic. what do you wish you learned sooner in life? Speaker 2 00:37:43  Spanish. Really? Totally, dude. Speaker 1 00:37:45  It's a great answer. Speaker 2 00:37:46  Spanish. Speaker 1 00:37:47  Wow. Okay. So, you know, young people, people in high school, people go in and they're like. I have to tell them. It's probably one of the best things you can do. Right. As an education level, Just. Speaker 2 00:38:00  Your friends, your coworkers, your clients. You know, I mean, learning Spanish is awesome. I personally have a super awesome, legal assistant, and, she is bilingual and she helps me do so much. So I shout out to Crystal. Crystal, you're fantastic. But, like I said, if only I had paid more attention in school and I was better at Spanish, I wish. Right? Speaker 1 00:38:21  Yeah. No. And it's really. That's a great answer. I'm going to. Maybe I'll start learning a different language. have you ever eaten a roller dog from a gas station? No, really? With all the all the road trips you've taken. Speaker 2 00:38:34  I don't do that. Speaker 1 00:38:35  Maybe I'm smarter than me. Speaker 2 00:38:36  Because I'm worried about, like, dying from bacteria. Like it's. Guys, it's only ten more hours to Chicago. Stop 11. Speaker 5 00:38:43  Times. Speaker 2 00:38:43  Or having. Speaker 1 00:38:44  Explosive diarrhea on a. Speaker 2 00:38:45  On a road trip. You know, I don't either. I never eaten, I mean, I've bought stuff at gas stations, beer, I've bought smokes, I've bought lots of things. Speaker 2 00:38:53  if I'm gonna shop for food at gas stations, it's probably beef jerky. Speaker 1 00:38:57  They do have some coffee. Speaker 2 00:38:58  Beef jerky. Maybe some candy. Speaker 1 00:39:00  Okay, nice. what's the chance that, Bigfoot exists? Speaker 2 00:39:04  0%. Speaker 1 00:39:05  Really? Speaker 2 00:39:05  It's a hoax. Speaker 1 00:39:06  Really? Speaker 2 00:39:07  Yeah, I don't believe. I don't think so. Cryptids. Speaker 1 00:39:09  Really? Speaker 2 00:39:10  I'm not aliens. I'm not sure. Ghosts I don't believe in. Okay, okay. Speaker 1 00:39:15  All right. Okay. We were friends right up until. Let's see, what's the mark on there? 3605. Speaker 2 00:39:21  It's okay. You think that Bigfoot exists? Speaker 1 00:39:23  I. I think that the best, the best answer I ever got from it was from Doctor Terry Silky. our wonderful big. One of the biggest philanthropists in town. who's a orthodontic specialist for Lake County. Big shout out, Terry. he said that we think about all the things that we've gone through, like from history, from dinosaurs, to, like, all this thing. He's like, if you don't think it's a distinct possibility that we have a Bigfoot, maybe. Speaker 1 00:39:48  Maybe not today. Right. But maybe in the past. Like with all the things that we've had, he said. But, you know, this guy's been on 20 safaris and you've seen the whole thing. Speaker 2 00:39:58  You would think that there would be, like, Bigfoot heads mounted in the Smithsonian, you know. Speaker 1 00:40:03  Or at Bill's Pub. Speaker 2 00:40:04  Or Bill's Pub. Definitely. You know. I mean, there would be that. And I mean, the fact is, like, I know people lie and they sometimes lie for attention. So ergo, could it have been a hoax, too? Oh. Speaker 1 00:40:15  Maybe. Speaker 2 00:40:16  Right. Speaker 1 00:40:16  And actually, if anybody's watching, I just got this shirt as a gift. It's come from. It's from Logan, Ohio. And they have a, in the summertime. They have a Bigfoot festival there. Yeah. So my only thing is, if he doesn't exist, because this is this podcast is really about Bigfoot. It's not about you. Just so you know. Speaker 2 00:40:35  But I. Speaker 1 00:40:35  Hear you. But why or why is it such a big hoax everywhere? Then why do they have festivals for these? Speaker 2 00:40:40  Cute. I mean, like, people, you know? I mean, people, like, they think he's adorable. He's funny. He's like a meme. I think before memes. Speaker 1 00:40:47  Kill people, I think that might be. Speaker 2 00:40:49  What about Harry and the Hendersons? He was nice. Speaker 1 00:40:51  Yeah, that was just a. That's fiction. Like, he was nice, like Notting Hill. Speaker 2 00:40:54  He would always be like. He would always, like, hide bashfully in the closet. He's cool. Speaker 1 00:40:59  And John Lithgow, isn't that too? Speaker 2 00:41:00  He's nice. Right? He's always frustrated here. He does something. Speaker 1 00:41:04  Well, when I have evidence, I'm calling you. Speaker 2 00:41:06  Call me. I would love to be proven wrong about this, and I will. I would be happy to to to shake Bigfoot's hand. Speaker 1 00:41:12  Okay, good. Because now that we have these new phones that have better, you know, they focus better. Speaker 1 00:41:16  Now we'll get a clear picture of them, not just the fuzzy ones. Speaker 2 00:41:19  I only wish that Nessie was existing. The Loch Ness monster, that's my favorite cryptid. And I have never seen any good proof of that. That's a darn shame. Speaker 1 00:41:28  Yeah, well, hey, you never know. We're finding out all kinds of fun things these days. You never know. All right, so I think it's time we switch off of our hotseat. Questions that we've covered the really important stuff. Thank you. one thing I want to thank you for, because I know that you are a part of an organization, here, which is the Exchange Club. Yeah. so I know that, let's talk for people that aren't familiar with the Exchange Club. What is it? What is it based upon? Speaker 2 00:41:53  Okay, so the Exchange Club is cool. It's really an old organization. It's from, I don't know, 1913. And it is a group that I like in Grayslake because I just get together with my friends and have lunch. Speaker 2 00:42:05  Right. You know, so it's a bunch of business and community leaders. or not even, I mean, not at all. Some of them are just regular people. We have a, you know, like, I don't know, I want to say a retired teacher, not a community leader, but, you know, retired teachers come. And we had a retired accountant lady for a long time. And, you know, people that are just townies. Right. and, they come on, they have lunch where at first draft it's noon. if anybody wants to come to the Exchange Club, it's free lunch. Call me. (847) 549-0600. You can be my guest, but I like the Exchange club, because the main thing is that they plan big parties for the town. You know, they have the craft beer festival, you know, they do, stuff with, I got a taste of Grayslake downtown summer thing. Yeah. Speaker 1 00:42:46  And what did you change the name of all the time? Summer days. Speaker 1 00:42:48  Summer days, Summerfest. Speaker 2 00:42:50  They. but they they do cool stuff. They raise money and then they give that money away to kids in grades, like to go to school, right? Speaker 1 00:42:56  SIPs for scholarships. That's what the, the the craft beer festival is. Speaker 2 00:42:59  Yes. And then and it's good money. They're like, here's a thousand bucks, kid. And it's a Grayslake student that's a top student to go to college. You know, they do good stuff like that. They promote Americanism. you know, what is that? It is what? It's that Americanism is like liking 911 and being interested in our country and like. Right. You know, so it's a cool organization. Check it out. Speaker 1 00:43:21  Yeah. And I like all the nice things they do and the, the men and women that are involved in that. I happen to be fond of a lot of them. Yeah. I think the one day that I knew I knew nothing about the Exchange Club, and I think it was the day that you guys were doing your, you you had picked a couple of kids for scholarships. Speaker 1 00:43:36  You were giving them. And I saw these kids first. I was walking down to have an afternoon beer at the first draft or something like that. So I saw these two kids, like walking back to school and these big smiles on their faces. right? So I get to the bottom and a bunch of the Exchange Club members are hanging out, and to see these men that were standing there, and they were so blown away and so happy and so just straightforward, just happy about what they did. It was it made me really have a fondness for the organization. Speaker 2 00:44:05  And I just want to shout out to the Grayslake kids from North and Central. They're like really fantastic kids, you know? the some of the kids that are winning these awards, I mean, back when I was a kid, I tried to get good grades. I tried to do well in my tests, but otherwise I just went home. Speaker 1 00:44:22  How did I get so smart? Speaker 2 00:44:23  I don't, and they. And they have the energy, this boundless energy that is really. Speaker 2 00:44:27  It's admirable and kind of scary. So God level, I mean, whatever. Speaker 1 00:44:33  Which is. Speaker 2 00:44:34  Good. Don't you ever nap, you know, don't you ever eat too much pizza and then go to sleep, right, like me. So. Speaker 1 00:44:39  Right. Right. And especially as a high school kid. Right. And these guys are doing really, really well with things. Yeah. Speaker 6 00:44:44  Hey, Lake County, I know you know, a teacher out there that needs to be recognized. I'm Jodi, former educator, now realtor, and I'm here representing Educators Advantage. We want you to nominate a teacher of the month. Click the link in the show notes and nominate your favorite teacher. Make your favorite teacher feel appreciated and give them a shout out. Speaker 1 00:45:09  Cool! So I love to see people that get involved with organizations, especially like when going back, like the Safe Place kind of things. So explain this to me too. Are there more than one location for Safe Place? Because there's one in Zion. Speaker 1 00:45:21  Is there also one in Mundelein? Speaker 2 00:45:23  So okay, that is the family visitation center. Okay. Okay. That I believe has moved. Okay. So you'd want to check with Safe Place about the details for when I was involved in the organization. They had two places. They had a women's shelter. That was like a big apartment building in Zion, and it's tucked away. So you don't know about it, right? God love them. But then they also have a really important role that they play, having to do with, facilitating visitation or exchanges of parties that have, like ops against each other. Orders of protection. Yep. Okay. So you've got to go there. You, like drop off your kid in the front, and then dad comes in the back, and then they have like a meeting and they hang out for an hour and have pizza. And then there's people watching, like little child. Jimmy smiled when you saw dad. Right. And they take notes and they give that to the court and the safe place. Speaker 2 00:46:16  Like, honestly, so many exchanges, so much visitation just couldn't happen because of the acrimony between the parties. But for what a safe place does. So they're cool. They're they're fantastic. Speaker 1 00:46:27  I love them and it's nice. And I like places that are put together that look for the best for the children and to keep them safe to and keep, because sometimes just two people just don't get along. So that's a nice way to then get in there. Speaker 2 00:46:38  It's one of the toughest things about family cases is when you have a tremendous amount of acrimony, even like a good divorce, where it's just. I don't love him anymore. You know, you've got to co-parent the kid. But when it's a situation where it's like he raped me or he beat me up, or he right got 60 Y's or he. Whatever those cases, you know, the judges are very reluctant to totally shut out a parent. So they'll give him or her sometimes. Sometimes it's a her, you know, supervised visitation, wrangled by a safe place or supervised by perhaps somebody else, like a mom or grandma or whatever. Speaker 2 00:47:13  Okay. but those, those organizations that facilitate the, the best interest of the kid and the, the parenting time, the the courts. I don't know how they could function before that. That, safe place started doing that. Speaker 1 00:47:26  Yeah. No, it must be a really, really hard thing to do. well, one of the things that I really enjoy, I have to tell you, because I was having a conversation before we got together today, and a man was, who's potential, guest on another show was asking me my my, my motivations on why he wanted to come on. And the guy clearly, wanted to come out and just advertise his business. Right. And I was trying to explain to him that this these are the conversations you are having. You and I are having right now that I really like that. very soon, hopefully, we're gonna have Chief Myra chief of police on, because I really like humanizing. some people have jobs or positions that people don't really get to know, right? So if I had to hire somebody for a family attorney or a DUI attorney or a criminal attorney, I hope that I get to listen to the show so that they get to know your personality, to know that you're a human being, right? Speaker 2 00:48:16  My personality is is unique, but there are a lot of really good attorneys in Lake County. Speaker 2 00:48:21  I'm happy to help people. Whatever. Speaker 1 00:48:23  Yeah. Well, no. And I think it's nice. Speaker 2 00:48:24  I like to be humble. I'm not trying to. Well, you're very humble out there, right? I'm not. I'm not trying to be like. Oh, yeah. I'm like the only one around because I'm not, you know, and like I said, in Lake County, we're blessed with a strong bench and bar, right. You know, and honestly, I get along with just about all of them. Speaker 1 00:48:40  That's cool. Okay, so let's do this. because of people. So let's, to help our listeners out there listening. So let's talk. first of all, when starting to divorce proceedings like they're they know they're going to get divorced, maybe some advice on how they go about finding an attorney that would be right for them. Is that a hard question? Speaker 2 00:49:00  Yeah. So finding an attorney. I mean, a lot of people want to do word of mouth. They talk to their their cousin. Speaker 2 00:49:06  How you got divorced in Lake County. Tell me who you use and then call that guy. That's probably a good decision. Speaker 1 00:49:12  Not to tell you who not to use. Speaker 2 00:49:13  Right? Speaker 1 00:49:14  In their opinion, though, totally right. maybe the decision didn't go their way so it could be false information, right? Speaker 2 00:49:21  Totally. A lot of people just go to Google and they'll Google like Libertyville divorce attorney or Lake County divorce attorney or whatever. And you can get hits there. And you look at their Google reviews we have I mean, my law firm has fantastic reviews, but that's just because we try to just, I don't know, do a good job and then clear the case. You know, try to Because, like, if you take one guy's divorce case and you're like a vampire on his neck and you drain him till he's totally out of blood. Well, you know, that's one case, okay? I'd rather just, like, help a guy and then get a good review and help another guy and get a good review and help a guy and get a good review, and then just, like, kind of build it up that way. Speaker 2 00:49:56  That's way better, right? Speaker 1 00:49:58  And with integrity, when you're walking away, then you can sleep at night and make sure that you know that you can help people out. Speaker 2 00:50:04  I sleep. Speaker 1 00:50:04  At night. Right. That's good. Yeah. All right, so how about, DUI? Speaker 2 00:50:09  So. Okay. How to find a DUI attorney or. So same. Speaker 1 00:50:13  Thing. I know how to get one. Speaker 2 00:50:14  I know. Speaker 1 00:50:15  It's just not the. Speaker 2 00:50:16  Attorney. So, I mean, man, I use Lyfts now. Yes. You know, I, I really do I. Speaker 1 00:50:21  I cheapest thing to do. Right. Speaker 2 00:50:23  It's 20 bucks here and back and you don't have to worry about. Am I going to get in trouble. Right. You know, and you don't have to worry about. Am I going to hurt somebody or whatever? Speaker 1 00:50:32  So yeah, I heard somebody. Maybe it was another stupid social media thing I saw. But there again, like it was a $20 ride home, right? For, let's say I have to go from Grayslake up to Atkinson, like at the bar. Speaker 1 00:50:42  How many Lyft rides would it take to equal to a two? Would it cost to hire an attorney to go through the DUI process? Speaker 2 00:50:51  So I think it was NHTSA, the National Highway Transportation Safety Administration, one of those organizations, used to run a billboard campaign here in Lake County. And one of the billboards I remember was a picture of a kid blowing into a portable breath test. And there's the police cars, lights behind him, and it says, you just blew $10,000. Speaker 1 00:51:12  Most people have no idea what to do with their aging loved one who needs help. Well, there is a solution. A company that provides care and assistance to make your loved one feel right at home, at right, at home. Their mission statement is to improve the quality of life for those they serve. They offer extensive services personal and companion care, safety, supervision and transportation, fall prevention, dressing and bathing assistance. Medical reminders, meal prep, hospice support, ambulation support, stroke recovery, Parkinson's support, the list goes on and on and on. Speaker 1 00:51:43  If you have an aging loved one that needs help, call. Right at home. Most people prefer to age in their home rather than moving to an assisted living or nursing home. Right at home can make this happen. Contact right at home at right at home NHL.com or give them a call (847) 984-0103. Now back to the show. Speaker 2 00:52:02  You know, which I think is like not inaccurate. Speaker 1 00:52:06  Ten. Speaker 2 00:52:06  Grand right. Because like so the legal fees like, I don't know, cheap one 2500, you know, a hot felony DUI 568, whatever, $1,000. So that's good money there. But even for your first time misdemeanor DUI, you're spending 2500, $3,500 on a lawyer. And then you get the fines, the court costs. There are 3 or $4000. There's treatment that you must do, you know, so you do alcohol or risk evaluations and pay for the classes and then woo woo. It gets to be expensive. So yeah, you know,

In this episode, we walk through the 7-question money quiz from FINRA's National Financial Capability Study — the test that reveals what most people don't know about their own money.We're not just going over the correct answers — we're breaking down:o Why each question matterso How it affects your everyday money decisionso What core financial principle it reveals (like interest, inflation, debt, risk, or investing)o How to actually apply it in your real lifeTopics we cover:o Compound interest explained (for saving AND for debt)o How inflation destroys your savingso Mortgages: 15 vs. 30 yearso Bonds vs. interest rateso Diversifying investmentso Understanding risk & probabilitieso And more...Whether you're just starting your financial journey or trying to level up your money knowledge, this episode is your free financial education starter kit.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles Referenced:- Quiz: ⁠https://money.com/adults-cant-pass-basic-money-quiz/?xid=applenews⁠- Compound Interest: ⁠https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator⁠- Bond Relationship: ⁠https://www.sec.gov/files/ib_interestraterisk.pdf⁠- 15-year vs 30-year Mortgage: ⁠https://www.bankrate.com/mortgages/15-vs-30-year-mortgage/#differences⁠Stock Returns:- SPY: ⁠https://finance.yahoo.com/quote/SPY⁠- INTC: ⁠https://finance.yahoo.com/quote/INTC⁠**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: ⁠https://www.thefinancialmirror.org/shop ⁠YouTube:⁠ https://www.youtube.com/@thefinancialmirror⁠Rumble: ⁠https://rumble.com/TheFinancialMirror⁠Facebook:⁠ https://www.facebook.com/thefinancialmirr0r⁠X:⁠ https://twitter.com/financialmirr0r⁠Instagram:⁠ https://www.instagram.com/thefinancialmirror/⁠Podcast:⁠ ⁠⁠https://creators.spotify.com/pod/show/thefinancialmirror⁠If you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at ⁠https://www.thefinancialmirror.org/⁠#FinancialLiteracy #PersonalFinance #MoneyTips #FinanceForBeginners #HowMoneyWorks #MoneyQuiz #FinancialEducation #CompoundInterest #DebtFreeJourney #InvestingBasics #FinancialIndependence #MoneyManagement #FinancialPlanning #WealthBuilding #SmartMoney #FinanceTips #MoneyGoals #MoneyMatters #FinanceHacks #FinancialWellness #FinancialIQ #MoneySmarts #TeachMeMoney #Finance101 #FinancialAwareness #MoneyEducation #LearnFinance #MoneySkills #FinancialSavvy #DebtAwareness #SaveMoney #PayOffDebt #EmergencyFund #HighYieldSavings #InvestSmart #BeginnerInvesting #PassiveIncome #RuleOf72 #WealthMindset

Stablecoins offer opportunities and pose risks Potential for increased adoption of stablecoins and implications for the banking sector has become a hot topic among investors given the push among policymakers. Eventually, consumers might be able to buy dollar-linked stablecoins and potentially earn interest on these assets, meaning more competition for bank deposits. There are regulatory hurdles that first need to be cleared but Congress is currently considering a few proposals that could bring this closer to reality. While the use case beyond cross-border payments seem limited at the moment, the potential for non-banks (Big Tech / Big Retails) to come up with creative solutions to induce adoption poses risks. That said, potential for banks to issue a stablecoin once the regulatory framework is in place could mitigate risks, Ebrahim Poonawala discusses these issues as we delve into stablecoins, the areas where they could be particularly helpful to consumers and how, if adoption winds up being significant, they could impact everything from US Treasury demand to loan funding, to payment fees.   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.

Apple's Worldwide Developers Conference 25 begins today, but expectations are low, and the company may have much bigger things to worry about than a disappointing keynote. And we give you a recap of the messy breakup heard round the internet, and how we predict Trump's expected retaliation will affect Musk's companies.Featured Guest: Jaymes Davis, chief technical evangelist, Kasm TechnologiesDOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. *Terms and Conditions apply.CORRECTION: The generated io image was from @bengeskin on X, not "bengerman."

Matt Pohlson is the co-founder and Chairman of Omaze, the most insane story in startups that you have never heard. From near death experience to working with Arnold Schwarzenegger, George Clooney and The Pope. Omaze has raised over $200 million for charity by offering once-in-a-lifetime experiences with celebrities and icons. He's a master storyteller, a purpose-driven builder, and one of the most creative entrepreneurs in modern philanthropy. In Today's Episode We Discuss: 00:00 — He Died for 4 Minutes… Then Built a $400M Startup 04:00 — The Magic Johnson Moment That Sparked Omaze 06:30 — From $780 to $1.7M: The Breaking Bad Campaign That Changed Everything 09:00 — Star Wars, Schwarzenegger, and Selling Dreams 13:00 — He Flatlined in Surgery… And Everything Changed 18:00 — How Near-Death Killed Fear and Transformed His Leadership 22:00 — Why Fear Isn't Real — And How to Beat It 24:00 — The $250K Bet That Changed Omaze's Business Forever 27:00 — Launching Houses: The Pivot to $100M+ Revenue 34:00 — The Science of Storytelling: Make the Customer the Hero 38:00 — Why TV Still Works: $35M Ad Spend Secrets 45:00 — How They Almost Went Out of Business—Twice 50:00 — The Deck That Saved Omaze Mid-COVID 53:00 — Loneliness, Therapy, and the CEO Mental Game 55:00 — From Self-Doubt to Self-Love: The Hoffman Process 58:00 — How to Lead With Story, Science, and Soul 1:02:00 — Should Omaze Go Public? Matt's Unfiltered Take 1:05:00 — Addiction, Ambition, and Why Fulfillment Can Kill Hunger 1:10:00 — Revenue Per Employee: $7M a Head! 1:15:00 — Matt's 10-Year Vision: Fortune 500. #1 in Charity. Please read the offering circular and related risks at invest.modemobile.com. This is a paid advertisement for Mode Mobile's Regulation A+ Offering. Past performance is no guarantee of future results. Investing in private company securities is not suitable for all investors because it is highly speculative and involves a high degree of risk. It should only be considered a long-term investment. You must be prepared to withstand a total loss of your investment. Private company securities are also highly illiquid, and there is no guarantee that a market will develop for such securities. DealMaker Securities LLC, a registered broker-dealer, and member of FINRA | SIPC, located at 105 Maxess Road, Suite 124, Melville, NY 11747, is the Intermediary for this offering and is not an affiliate of or connected with the Issuer. Please check our background on FINRA's BrokerCheck.  

Featured Guests: Andrew Bud, founder and CEO, iProov | Tyler Ganim, investor, Powerhouse CapitalRyan Reynolds's Wrexham, the Welsh football club he bought three years ago for only £2 million, is now eyeing a staggering $475 million valuation. A shadowy cybercrime group called "Grey Nickel" is bypassing banks' identity checks with deepfakes and AI, exposing massive gaps in global digital security. And Anduril just pulled in a $2.5 billion raise, doubling its previous value to now over $30 billion.DOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. *Terms and Conditions apply.

Agenda: 00:00 – The Most Unfiltered Episode Ever Begins 03:30 – Does OpenAI Even Matter? Sam Lessin Says Maybe Not. 05:45 – TVPI Is Bullshit?  09:20 – Asset Gatherers vs Real Investors: Who Actually Wins? 12:15 – The Death of the Billion-Dollar VC Fund? 16:00 – Mid-Tier VC Funds Are Getting Annihilated 21:00 – Chime: Great Exit or Missed Opportunity? 27:00 – The War on Relevance: What Companies Truly Matter? 33:00 – If You're Not a Billion-Dollar Company, Do You Even Count? 37:10 – Mary Meeker's AI Report: What Everyone Missed 39:50 – $600B in AI CapEx—Where Is the Revenue?! 43:40 – What Could Trigger the First AI Crash? 51:10 – The Existential Dread Missing in Most B2B Startups 58:30 – Will AI Reduce Your Startup to Just a Pipe? 01:01:10 – IPO Market Is Back: What Actually Matters Now? 01:06:50 – YC Startups at $60M Valuations: How Should You Play It? 01:10:00 – Why 3% Ownership Could Still Work—Maybe 01:11:30 – Will Elon Still Be Tesla CEO by 2027? Place Your Bets 01:14:10 – Will Meta Release a Closed AI Model? And Does It Even Matter? 01:17:30 – The Real Challenge of Managing 11 Companies and 58 Kids Please read the offering circular and related risks at invest.modemobile.com. This is a paid advertisement for Mode Mobile's Regulation A+ Offering. Past performance is no guarantee of future results. Investing in private company securities is not suitable for all investors because it is highly speculative and involves a high degree of risk. It should only be considered a long-term investment. You must be prepared to withstand a total loss of your investment. Private company securities are also highly illiquid, and there is no guarantee that a market will develop for such securities. DealMaker Securities LLC, a registered broker-dealer, and member of FINRA | SIPC, located at 105 Maxess Road, Suite 124, Melville, NY 11747, is the Intermediary for this offering and is not an affiliate of or connected with the Issuer. Please check our background on FINRA's BrokerCheck.    

Featured Guests: Marc Freed-Finnegan, co-founder and CEO, Chalk | Abe Murray, general partner, Alleycorp | Jack Kennedy, co-founder and CTO, Whippy AIAmazon is pouring $10 billion into North Carolina to supercharge its AI ambitions with massive new data centers. Utah is teaming up with nuclear startup Valar Atomics to not only test a new reactor, but potentially manufacture next-gen TRISO fuel. And Meta just cut a multibillion-dollar deal to keep an Illinois nuclear plant alive and cleanly power its growing AI empire.DOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. *Terms and Conditions apply.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, AppleTV or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Tamara: My ability to listen to people and connect with people, understand what their needs are, and then really creating spaces and connections for them to get those needs met.When life feels overwhelming, many of us long for a helping hand. Tamara Lucas, the founder and CEO of My Panda, has turned that universal feeling into a business that's transforming lives and communities. My Panda, short for “Personal Assistant Next Door App,” connects people with trusted, hyper-local assistants—called Pandas—who can handle everything from grocery runs to household chores.“What we need is community,” Tamara said during today's episode. “What we need is people to turn to that we trust to be able to ask for the help that we need and also an opportunity for people to provide assistance and help.”Unlike gig-economy platforms like TaskRabbit or Uber, My Panda emphasizes community, trust, and mutual support. Tasks submitted through the app are matched with Pandas in the user's local area, fostering a sense of connection and accountability. “You're a lot less likely to steal someone's grandmother's jewelry if you're going to run into them at Publix,” Tamara joked.The business model is as innovative as it is impactful. Users pay a flat hourly rate for services, with membership options that offer discounts and additional perks. Pandas, who are independent contractors, are primarily women—just like the users they assist. This creates what Tamara describes as “a culture of women helping women,” which has become a hallmark of My Panda.Tamara is also leveraging community to fund her vision. Through a regulated investment crowdfunding campaign on Wefunder, anyone can invest in My Panda, starting with as little as $100. “By doing crowdfunding, not only are we raising the capital that we need to grow,” she explained, “but we're also giving people a sense of ownership and deepening relationships within the community.”As My Panda prepares to expand beyond Atlanta to new markets like Charlottesville, Virginia, Tamara's vision of creating a modern-day village is gaining momentum. Her approach is about more than convenience—it's about rebuilding the connections we've lost in today's fast-paced, individualistic world.My Panda isn't just a service; it's a movement. It's a reminder that we're better together, and with the right tools, we can create a community that lifts everyone up.tl;dr:My Panda connects people with hyper-local assistants to provide trusted help for daily tasks.The app fosters community by hiring local Pandas and creating a culture of mutual support.My Panda's business model includes flat hourly rates, memberships, and perks for users.Tamara's superpower is empathy, helping her identify and act on others' needs.The company is raising capital via a WeFunder crowdfunding campaign to support its expansion.How to Develop Empathy and Connection As a SuperpowerTamara Lucas's superpower is her ability to deeply listen, empathize, and connect with others. “My biggest superpower is my ability to listen to people and connect with people, understand what their needs are, and then really creating spaces and connections for them to get those needs met,” she explained in today's episode. Tamara's background in psychology and social work has informed her approach, but it's her natural ability to engage and understand people that has been the foundation of her success.One day, a conversation with a friend sparked the idea for My Panda. Tamara's friend, a dog walker, shared her frustration: “I go into people's homes, and they need so much more than just a dog walk.” That moment of connection inspired Tamara to envision a platform where people could easily ask for—and get—the help they need. My Panda was born from her ability to listen, empathize, and act on the needs of others.To develop this superpower, Tamara's advice is straightforward yet profound:Practice Active Listening: Stop rehearsing your response in your head and focus entirely on what the other person is saying.Cultivate Empathy: Try to understand the emotions and experiences behind someone's words.Think Creatively About Support: Look for ways you—and your community—can offer help and share resources.Embrace Connection: Remember that humans are meant to live in community, not in isolation.By following Tamara's example and advice, you can make empathy and connection a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileTamara V Lucas (she/her):CEO & Founder, My PandaAbout My Panda: My Panda (Personal Assistant Next Door App) is a tech-enabled, community-powered platform that connects people with trusted, local assistants, called Pandas - to help with everyday personal tasks. From laundry and errands to organizing and event support, we make it easy to delegate the never-ending to-do list. Our mission is to help individuals, especially women and working parents, reduce stress, reclaim time, and feel more supported, both at home and in life in general. My Panda offers services directly to consumers and also partners with companies to provide assistant hours as a unique employee benefit that supports work-life balance and mental wellness.Website: mypandaapp.comCompany Facebook Page: facebook.com/bookapandaOther URL: wefunder.com/my.pandaBiographical Information: Tamara Lucas is the founder and CEO of My Panda (The Personal Assistant Next Door App), a tech-enabled, community-powered platform that connects people with trusted local assistants for everyday personal tasks. A single mother and lifelong advocate for women and their families, Tamara created My Panda out of her own experience with the constant pressure and exhaustion of balancing career, home, and caregiving responsibilities.Her career spans over 30 years across social work, education, wine sales, and business management, all of which shaped her deep understanding of the support systems people need to thrive. With My Panda, Tamara is redefining productivity by making it easier - and more acceptable - for people to ask for help. Through her leadership, the company is helping to alleviate stress, build community, and create flexible economic opportunities, especially for women. She is passionate about shifting societal expectations and building solutions that promote wellness, connection, and a more sustainable way to live.Linkedin: linkedin.com/in/tamara-vrooman-lucas-094a089Instagram Handle: @mypandaappSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, RedLineSafety, Kingscrowd and Crowdfunding Made Simple. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on June 17, 2025, at 1:00 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperCrowdHour, June 18, 2025, at 12:00 PM Eastern. Jason Fishman, Co-Founder and CEO of Digital Niche Agency (DNA), will lead a session on "How to Spin $1 of Advertising into $10!" He'll reveal proven strategies and marketing insights drawn from years of experience helping successful crowdfunding campaigns. Whether you're a founder planning a raise or a supporter of innovative startups, you'll gain actionable tips to boost visibility, drive engagement, and hit your funding goals. Don't miss it!Superpowers for Good Live Pitch – June 25, 2025, at 8:00 PM Eastern - Apply for free by June 6, 2025, to pitch your active Regulation Crowdfunding campaign live on Superpowers for Good—the e360tv show where impact meets capital. No fee if selected! Selected founders will gain national exposure, connect with investors, and compete for prizes. To qualify, you must be raising via a FINRA-registered portal or broker-dealer and align with NC3's Community Capital Principles. Founders from underrepresented communities are especially encouraged to apply. Don't miss this chance to fuel your mission and grow your impact!SuperCrowd25, August 21st and 22nd: This two-day virtual event is an annual tradition but with big upgrades for 2025! We'll be streaming live across the web and on TV via e360tv. Soon, we'll open a process for nominating speakers. Check back!Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Devin Thorpe is featured in a free virtual masterclass series hosted by Irina Portnova titled Break Free, Elevate Your Money Mindset & Call In Overflow, focused on transforming your relationship with money through personal stories and practical insights. June 8-21, 2025.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Call for community action:Please show your support for a tax credit for investments made via Regulation Crowdfunding, benefiting both the investors and the small businesses that receive the investments. Learn more here.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

There are many threats to the U.S. economy. How might investors prepare for uncertainty? We discuss fixed income opportunities. • 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.

Colossal says it'll release recordings of its so-called dire wolves howling later this year. Deel is countersuing Rippling, claiming it was the real victim of corporate espionage. And the Venture Daily team tries something new--unscripted.DOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. *Terms and Conditions apply.

In this podcast, we cover the fundamentals of short put option contracts and how investors utilize them. Achievable has courses with industry-best pass rates for the FINRA SIE, Series 6, 7, 9, 63, 65, and 66. Try our courses for free at https://achievable.me.

Featured Guests: Jason Shuman, general partner, Primary VC | Eleonore Crespo, CEO and co-founder, PigmentElon Musk's xAI is seeking a $113 billion dollar valuation as he doubles down on AI dominance after stepping away from the White House. Chime is finally going public at less than half its peak valuation, but with serious growth claims. And Mary Meeker, the “queen of the internet,” warns AI players like OpenAI are racing toward commoditization amid cheaper global rivals.DOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. *Terms and Conditions apply.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, AppleTV or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Steve: Intellectual curiosity, paired with a problem-solving mindset.Media shapes perception, and perception shapes reality. That simple truth drives Steve Jones, Founder and CEO of pocstock, to challenge the way people of color and other underrepresented groups are portrayed in stock photography and now artificial intelligence.Steve launched pocstock after discovering, while running a digital marketing agency, that major stock photo libraries lacked images reflecting diverse identities. "People of Black, Asian, Hispanic and other backgrounds, people who were older than 50, or living with a disability" were all underrepresented, Steve said. This gap was not unique to the U.S. — it was global.Today, pocstock is meeting a bigger challenge: the biases baked into AI image generation. Because AI was trained on biased media libraries, "the data is literally what the AI industry needs in order to become what it's going to be," Steve explained. With AI expected to generate 80% of online imagery soon, pocstock's culturally accurate, bias-free library positions the company as a vital resource for the future of ethical AI.But Steve isn't stopping with just providing imagery. He's ensuring that the creators of these visuals—photographers and artists—can share in the value AI creates. "We created a model where our creators can be included in the AI boom," he said, highlighting pocstock's mission to avoid leaving behind the very people it seeks to represent.As part of that effort, pocstock is raising capital again, this time through a regulated investment crowdfunding campaign on WeFunder. By setting a minimum investment of just $250, Steve and his team are inviting everyone—not just venture capitalists or accredited investors—to participate. "This gives people an opportunity to access AI through pocstock," he said.The implications are profound. "Imagery is how you change people's perceptions of people they haven't met," Steve noted. The consistent underrepresentation or stereotyping of certain groups impacts real-world outcomes, from law enforcement to healthcare. "If you let the media tell it, everybody's racist... and this couldn't be further from the truth."Supporting pocstock, whether by investing or using its imagery, helps rewrite those narratives. Steve's work stands as a reminder that inclusion isn't just a value—it's a strategy for both equity and innovation.To invest, visit wefunder.com/pocstock or s4g.biz/poc.tl;dr:Steve Jones founded pocstock to address the lack of diverse, accurate imagery in media and technology.pocstock's inclusive content is now powering major AI projects and helping to reduce bias in technology.The company is raising capital through regulated investment crowdfunding, inviting everyone to invest for impact.Steve's superpower is intellectual curiosity, which drives him to solve problems and connect across differences.Listeners are encouraged to embrace curiosity, meet new people and invest in more inclusive representation.How to Develop Intellectual Curiosity As a SuperpowerSteve Jones's superpower is intellectual curiosity, paired with a problem-solving mindset. He explained, “I've always looked to see how I can make the world the way I think it should be.” This constant questioning of the status quo fuels his drive to address social injustices, foster inclusion, and solve challenges in innovative ways. From tinkering with objects as a child to reshaping the media landscape with pocstock, Steve's curiosity and creative thinking guide his efforts to make a positive impact.Steve shared a story about a chance encounter that changed his career trajectory. While working in IT, he bonded with a coworker over a shared love of Batman and Dr. Dre. Despite their differences—Steve, a 6'5” Black man, and his coworker, a middle-aged Irish man—they became close friends. Years later, that friendship resulted in Steve receiving his biggest contract for his marketing agency. This anecdote highlights how Steve's openness and curiosity about others help him build meaningful connections and seize new opportunities.Tips for Developing Intellectual Curiosity:Seek to understand problems deeply and envision how they could be solved.Challenge preconceptions by engaging with people from different backgrounds and perspectives.Be open to learning from everyone you meet, both professionally and personally.Approach each day with a fresh mindset, ready to embrace new challenges and opportunities.Stay informed about trends and developments in your field to spark new ideas.By following Steve's example and advice, you can make intellectual curiosity a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileSteve Jones (he/him):Founder & CEO, pocstockAbout pocstock: pocstock is a global content company that creates, curates, and licenses stock images featuring people of color to businesses for marketing, advertising, and artificial intelligence. We partner with businesses of all sizes to ensure they have the right images, insights, and data to be inclusive of everyone.Website: pocstock.comCompany Facebook Page: facebook.com/pocstockOther URL: wefunder.com/pocstockBiographical Information: Steve Jones is a serial entrepreneur with a background in tech, marketing, and creative.He's currently the Founder & CEO of pocstock, a global content company headquarteredin Newark specializing in inclusive content for marketing, advertising, and artificialintelligence.Linkedin: linkedin.com/company/pocstockInstagram Handle: @pocstockSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, RedLineSafety, Ovanova PET, and Kingscrowd. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on June 17, 2025, at 1:00 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperCrowdHour, June 18, 2025, at 12:00 PM Eastern. Jason Fishman, Co-Founder and CEO of Digital Niche Agency (DNA), will lead a session on "Crowdfund Like a Pro: Insider Marketing Secrets from Jason Fishman." He'll reveal proven strategies and marketing insights drawn from years of experience helping successful crowdfunding campaigns. Whether you're a founder planning a raise or a supporter of innovative startups, you'll gain actionable tips to boost visibility, drive engagement, and hit your funding goals. Don't miss it!Superpowers for Good Live Pitch – June 25, 2025, at 8:00 PM Eastern - Apply by June 6, 2025, to pitch your active Regulation Crowdfunding campaign live on Superpowers for Good—the e360tv show where impact meets capital. Selected founders will gain national exposure, connect with investors, and compete for prizes. To qualify, you must be raising via a FINRA-registered portal or broker-dealer and align with NC3's Community Capital Principles. Founders from underrepresented communities are especially encouraged to apply. Don't miss this chance to fuel your mission and grow your impact!SuperCrowd25, August 21st and 22nd: This two-day virtual event is an annual tradition but with big upgrades for 2025! We'll be streaming live across the web and on TV via e360tv. Soon, we'll open a process for nominating speakers. Check back!Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Devin Thorpe is featured in a free virtual masterclass series hosted by Irina Portnova titled Break Free, Elevate Your Money Mindset & Call In Overflow, focused on transforming your relationship with money through personal stories and practical insights. June 8-21, 2025.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Call for community action:Please show your support for a tax credit for investments made via Regulation Crowdfunding, benefiting both the investors and the small businesses that receive the investments. Learn more here.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Featured Guests: David Daneshgar, CEO, Whippy AI | Jake O'Shea, principal, AntlerPresident Trump is quietly wiring Palantir across the government, laying digital rails for what may become a master database on American citizens. Business Insider slashes 21% of staff and doubles down on AI, betting automation can rescue a shrinking newsroom. And a judge now holds Google's fate as the DOJ pushes to dismantle its search empire, clearing the runway for AI challengers.DOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. *Terms and Conditions apply.

Featured Guests: Ross Fubini, founder & managing director, XYZ Ventures | Matt McRoberts, CBO, Aampe | Chad Metcalf, CEO, ContinueZuckerberg and Palmer Luckey have squashed the beef and are teaming up to build a combat VR headset called EagleEye for the US Army. The New York Times just cut a deal to license all of its content to Amazon for AI training, while still suing OpenAI for doing the same thing without permission. And fresh college grads are feeling the heat; AI is squeezing entry-level jobs, slowing hiring, and raising real questions about the future of white-collar work.DOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. *Terms and Conditions apply.

Featured Guests: Aidan Gold, investor, Ensemble VC | Leif Abraham, co-founder and co-CEO, Public | Yvette Schmitter, co-founder and CEO, Fusion CollectiveElon Musk is targeting 2026 to launch a SpaceX rocket to Mars. Public announces “Generated Assets,” a new AI feature that lets users build and backtest their own hyper personalized stock indexes. And Nvidia crushes earnings with $44.1B in revenue, up 69% from just last year.DOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. *Terms and Conditions apply.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, AppleTV or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Sona: Resilience—the unwavering determination to overcome obstacles and solve critical problems.Every year, millions of people in low-income countries suffer due to a lack of access to basic medical technology. Sona Shah, CEO and co-founder of Neopenda, is tackling this challenge head-on with an innovative solution—a wearable vital signs monitor called Neoguard. This simple yet powerful device is already saving lives in sub-Saharan Africa and has the potential to make a global impact.Neoguard is a headband-style device that monitors four key vital signs: pulse rate, respiratory rate, oxygen saturation, and temperature. The data is transmitted wirelessly via Bluetooth to a centralized dashboard on a tablet, allowing clinicians to monitor multiple patients simultaneously. “The intent of this product,” Sona explained, “is really to alert clinicians in really overcrowded, understaffed hospitals that something could be wrong with the patient so that our clinicians can provide more timely and appropriate care to the patients that need it most.”What makes Neoguard even more remarkable is that it was specifically designed for low-resource settings. Sona shared how she and her team traveled to Uganda during the early days of Neopenda to understand the unique challenges faced by hospitals in such environments. “We saw hospitals that didn't have any functioning medical equipment. They had rooms that nurses called the ‘equipment graveyard,' just mounds of broken equipment,” she said. This inspired her to create technology that is resilient and tailored to these conditions, addressing issues like power instability and limited connectivity.Beyond its life-saving potential, Neoguard represents a significant business opportunity. With a $3.4 billion market for vital signs monitoring across Africa alone, Neopenda is poised for growth. The company has already launched in over 45 hospitals, primarily in Kenya, and is generating revenue. To scale further, Neopenda is raising capital through a regulated crowdfunding campaign on WeFunder, allowing anyone to invest with as little as $100. “What better way to scale than involve the community in our efforts?” Sona said, emphasizing the value of democratizing access to investment opportunities.Neopenda is more than just a company—it's a movement to bring equitable healthcare to underserved populations while offering investors a chance to make both an impact and a profit. Sona's story is proof that innovation and compassion can go hand in hand to create a better world.tl;dr:Neopenda creates affordable medical technology like Neoguard, a wearable vital signs monitor saving lives.Sona Shah's passion for equitable healthcare drives her innovative solutions for underserved populations.Neoguard is designed for low-resource settings, addressing challenges like power instability and broken equipment.Neopenda is raising capital via a WeFunder crowdfunding campaign, democratizing investment opportunities.Sona's resilience and vision have propelled Neopenda's growth, proving impact and profit can coexist.How to Develop Resilience As a SuperpowerSona Shah's superpower is resilience—the unwavering determination to overcome obstacles and solve critical problems. She described it as the ability to “move mountains” when faced with challenges. Sona's resilience stems from her passion for addressing inequities in healthcare. “If there's something that I'm really passionate about, I will move mountains to figure out how to make it work,” she said. This mindset has enabled her to navigate the complexities of developing medical devices, securing funding, and building a sustainable business model in underserved markets.Illustrative Story:One of Sona's most challenging moments came during the early stages of Neopenda's journey when she and her team had to establish a manufacturing process—something completely outside their expertise. Through determination and by hiring the right talent, they overcame this obstacle. Later, when funding became tight, Sona's resilience drove her to find creative solutions, ensuring that Neopenda stayed on track. Another pivotal moment came in 2023 when the company pivoted from a distributor-led sales model to selling directly to hospitals, a risky but ultimately successful decision that significantly boosted their growth.Tips for Developing Resilience:Find a Problem Worth Solving: Focus on a mission that ignites your passion and commitment.Surround Yourself with Support: Build a network of people who care about you and your cause.Invest in Self-Care: Prioritize your mental health to maintain your capacity to lead effectively.Embrace Feedback: Learn from mistakes and be open to constructive criticism.Stay Persistent: Don't let setbacks deter you; keep moving forward with determination.By following Sona Shah's example and advice, you can make resilience a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileSona Shah (she/her):CEO & Co-founder, NeopendaAbout Neopenda: Neopenda is a healthtech company designing wearable medical technology for under-resourced hospitals in emerging markets. Our flagship product, neoGuard, is a CE-marked, patented vital signs monitor built specifically for environments with limited infrastructure. It tracks four critical vitals, pulse, respiratory rate, oxygen saturation, and temperature, without requiring stable electricity or internet. Already in use across 45+ hospitals in five African countries, neoGuard has delivered over 35,000 hours of patient monitoring, helping healthcare workers detect early signs of distress and intervene before it's too late. Headquartered in Chicago and operating globally, Neopenda's mission is to close the healthcare access gap with scalable, context-appropriate innovation.Behind every device we build is a story, of a nurse who stayed calm because an alert came in time, of a baby who went home safely, of a health system that finally had the right tool for the job. We didn't set out to build technology for the sake of it. We set out to build trust, dignity, and access where it's been missing for too long. Because where you're born shouldn't determine whether you survive.Website: neopenda.comX/Twitter Handle: @neopenda_healthCompany Facebook Page: facebook.com/NeopendaOther URL: wefunder.com/neopendaBiographical Information: Sona Shah is the CEO and Co-founder of Neopenda, a healthtech company bringing life-saving innovation to underserved health systems.Her journey began while teaching in Kenya, where she witnessed firsthand the challenges facing under-resourced hospitals. That experience shaped her lifelong commitment to global health equity and continues to inform how she leads today, with empathy, purpose, and persistence.With a background in biomedical and chemical engineering, Sona has spent the past decade designing and scaling technologies that work in real-world clinical settings across East and West Africa. Under her leadership, Neopenda has developed and commercialized neoGuard, a CE-marked wearable vital signs monitor tailored to the needs of low-resource hospitals. The company has sold to over 45 hospitals, delivered more than 40,000 hours of neonatal monitoring, and launched local manufacturing in Kenya.Sona is a graduate of Columbia University and Georgia Institute of Technology. Amongst other accolades, she's been recognized as an MIT Solve Fellow, Inc 30 under 30 recipient, a UN Women prize recipient, White House invitee, and a global leader in maternal and newborn health. Her work lives at the intersection of innovation, equity, and impact, and is driven by a deep belief that everyone, everywhere deserves access to quality care.Linkedin: linkedin.com/in/sonarshahSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Ovanova PET and Crowdfunding Made Simple. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on June 17, 2025, at 1:00 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperCrowdHour, June 18, 2025, at 12:00 PM Eastern. Jason Fishman, Co-Founder and CEO of Digital Niche Agency (DNA), will lead a session on "Crowdfund Like a Pro: Insider Marketing Secrets from Jason Fishman." He'll reveal proven strategies and marketing insights drawn from years of experience helping successful crowdfunding campaigns. Whether you're a founder planning a raise or a supporter of innovative startups, you'll gain actionable tips to boost visibility, drive engagement, and hit your funding goals. Don't miss it!Superpowers for Good Live Pitch – June 25, 2025, at 8:00 PM Eastern - Apply by June 6, 2025, to pitch your active Regulation Crowdfunding campaign live on Superpowers for Good—the e360tv show where impact meets capital. Selected founders will gain national exposure, connect with investors, and compete for prizes. To qualify, you must be raising via a FINRA-registered portal or broker-dealer and align with NC3's Community Capital Principles. Founders from underrepresented communities are especially encouraged to apply. Don't miss this chance to fuel your mission and grow your impact!SuperCrowd25, August 21st and 22nd: This two-day virtual event is an annual tradition but with big upgrades for 2025! We'll be streaming live across the web and on TV via e360tv. Soon, we'll open a process for nominating speakers. Check back!Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.African Diaspora Investment Symposium 2025 (ADIS25), Wednesday–Friday, May 28–30, 2025, at George Washington University, Washington, D.C., USA.Devin Thorpe is featured in a free virtual masterclass series hosted by Irina Portnova titled Break Free, Elevate Your Money Mindset & Call In Overflow, focused on transforming your relationship with money through personal stories and practical insights. June 8-21, 2025.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Call for community action:Please show your support for a tax credit for investments made via Regulation Crowdfunding, benefiting both the investors and the small businesses that receive the investments. Learn more here.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Today, I had the pleasure of co-hosting a special livestream on Substack with Jen Risley, the editor of the Main Street Journal. We're calling it “Jen and Devin Live,” and we hope it marks the beginning of a recurring series to strengthen the ties in our shared community of impact crowdfunding enthusiasts.Jen and I both publish on Substack and share a mission to promote community capital. While we could be viewed as competitors, we see ourselves more as complementary partners. That's why we came together—to cross-promote, build bridges, and amplify the voices in this growing movement.What's New at the Main Street JournalJen highlighted a recent MSJ Extra feature: an in-depth interview with John Abrams, author of the forthcoming book From Founder to Future. John transitioned his company—South Mountain Company, a design, building, and solar firm on Martha's Vineyard—into a worker cooperative. Now retired, he's focused on helping other founders do the same. Jen shared that the response to this piece was overwhelmingly positive, confirming that interest in worker ownership models is growing fast.Updates from Superpowers for GoodOn my end, I shared some exciting updates about Superpowers for Good. Our recent SuperCrowdLA event, which was livestreamed to e360tv and Substack, drove tremendous traffic. But what's been even more rewarding is the success of our new initiative, Super Crowd Voices (read it here, submit your contribution for consideration here). This channel invites new writers to share their perspectives, and it's working better than we imagined. In fact, one of the first posts—by Dorian Dickinson of Funding Hope—became our most-read post ever. His powerful argument for giving investment crowdfunding “a seat at the table” clearly struck a chord.It was particularly rewarding to learn from Jen that our feature on Dorian inspired Main Street Journal to expand their platform listings in their weekly offering summaries. They had initially focused on just a few platforms—but now, they include more, making their coverage even stronger. That kind of cross-pollination is exactly what this collaboration is all about.Shared Admiration for Kathleen MinogueWe also talked about our mutual admiration for Kathleen Minogue and her “Crowdfund Better” methodology. Jen and I both hold her in high regard. Michael Shuman's interview with Kathleen in MSJ Extra—which I was able to read as a paying subscriber—was one of the best practical pieces I've seen. She explains how a rewards-based campaign can serve as a stepping stone to a successful investment crowdfunding raise. Kathleen's approach is a masterclass in how to crowdfund strategically, and Jen shared how Kathleen supported a local crowdfunding initiative in her home region of New Hampshire. It's amazing to see this kind of thought leadership making a real-world impact.Reflections on SuperCrowdLA and a Preview of SuperCrowd25Jen kindly mentioned how much she appreciated the summary I wrote following SuperCrowdLA. She quoted a line I often use: “Capital is not just about dollars. It's about power, purpose, and possibility.” That meant a lot. I shared that we're working on a full book based on the conference's transcripts and insights—something far deeper than a quick summary. We hope to release it by the end of June.I also highlighted some standout speakers from the event:* Doug Willmore, CEO of World Tree, which has raised $17M (including $12M from the crowd) to fund a carbon-sequestering tree farm model.* Sarah Hardwick, former CMO of Aptera, who helped the company raise $140M through Reg CF and Reg A offerings. Her speech was both riveting and deeply insightful.Looking ahead, SuperCrowd25 is coming up on August 21–22, and we're streaming it live again on E360tv. I'm thrilled by how many people discover crowdfunding for the first time through these events. I invited Jen—and Michael Schuman as well—to join us as speakers. Their voices are essential to this community.Closing: Stronger TogetherI closed by encouraging our community to subscribe to Main Street Journal—especially since some of their best content, like the Kathleen Minogue piece, is behind a paywall. It's worth every penny. Jen added that their Monday events roundup is always free, giving folks a way to sample the value before committing. You can subscribe at mainstreetjournal.substack.com or visit their website at mainstreetjournal.org.Jen returned the love, reminding her community to subscribe to Superpowers for Good and promising to keep highlighting our latest work.We both agree: if you're serious about crowdfunding for impact, you need both publications. This partnership is just getting started, and we can't wait to see where it takes us next.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.* Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on June 17, 2025, at 1:00 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.* SuperCrowdHour, June 18, 2025, at 12:00 PM Eastern. Jason Fishman, Co-Founder and CEO of Digital Niche Agency (DNA), will lead a session on "Crowdfund Like a Pro: Insider Marketing Secrets from Jason Fishman." He'll reveal proven strategies and marketing insights drawn from years of experience helping successful crowdfunding campaigns. Whether you're a founder planning a raise or a supporter of innovative startups, you'll gain actionable tips to boost visibility, drive engagement, and hit your funding goals. Don't miss it!* Superpowers for Good Live Pitch – June 25, 2025, at 8:00 PM Eastern - Apply by June 6, 2025, to pitch your active Regulation Crowdfunding campaign live on Superpowers for Good—the e360tv show where impact meets capital. Selected founders will gain national exposure, connect with investors, and compete for prizes. To qualify, you must be raising via a FINRA-registered portal or broker-dealer and align with NC3's Community Capital Principles. Founders from underrepresented communities are especially encouraged to apply. Don't miss this chance to fuel your mission and grow your impact!* SuperCrowd25, August 21st and 22nd: This two-day virtual event is an annual tradition, but with big upgrades for 2025! We'll be streaming live across the web and on TV via e360tv. VIP's get access to our better-than-in-person networking! Get your VIP access for just $25. Soon, we'll open a process for nominating speakers. Check back!Community Event Calendar* Successful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.* African Diaspora Investment Symposium 2025 (ADIS25), Wednesday–Friday, May 28–30, 2025, at George Washington University, Washington, D.C., USA.* Devin Thorpe is featured in a free virtual masterclass series hosted by Irina Portnova titled Break Free, Elevate Your Money Mindset & Call In Overflow, focused on transforming your relationship with money through personal stories and practical insights. June 8-21, 2025.* Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Call for community action:* Please show your support for a tax credit for investments made via Regulation Crowdfunding, benefitting both the investors and the small businesses that receive the investments. Learn more here.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

On episode 173 of Ask The Compound, Ben Carlson and Duncan Hill discuss using stocks as an emergency fund, optimizing RMDs, factoring in pensions as income, fictional book recommendations and much more! Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Public. Find out more 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 If you're a financial advisor, sign up for advisor-focused content at: ⁠⁠⁠https://www.advisorunlock.com/⁠⁠⁠

Send us a textWe're back and breaking down Season 2, Episode 7 of Industry: “Lone Wolf and Cub.” This one is dense with real finance concepts—starting with Harper, Eric, and Rishi's attempt to “hit a bid away” and pitch themselves as a ready-made desk to rival firms. We get into how traders actually get paid, why comp guarantees are risky, and what it means to bring “client color” as your leverage in a job switch. Plus: why Rishi's pitch as a prop-style trader who embraces client flow is more old school than it sounds—and why that still matters.We also break down how sales and trading teams actually work, the dynamics of headhunter-driven moves versus warm intros, and the very real consequences of interviewing without an offer in hand. For anyone trying to understand what's real and what's dramatized when it comes to switching firms, negotiating comp, and building leverage on the Street, this episode is basically a case study.On the character side, we unpack the growing tension between Robert, Nicole, and Venetia—and how the firm (and culture) handles client misconduct. Plus, Yaz is clearly in deeper than she realizes, and Daria pulls off what might be the best power play of the series. We wrap with our take on who's up, who's down, and what this episode gets right (and wrong) about how finance careers really work.Sign up for our Excel and Financial Modeling Masterclass May 29 at 12pm HERE (or if you're still in the 48 hour window, register to access the replay!)Shop the MAY SALE:- Buy the FULL IBD / PE course for 20% off HERE- M&A Standalone Course $50 OFF HERE Enroll in the Financial Modeling Talent Accelerator HERE Join the Fixed Income Sales and Trading waitlist HERE Our content is for informational purposes only. You should not construe any such information or other material as legal, tax, investment, financial, or other advice.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... ...

Featured Guests: Oliver Libby, managing partner and co-founder, H/L Ventures | Mat Vogels, partner, Harpoon Ventures | Graham Brown, managing partner, Lerer-HippeauTrump is threatening Apple with a 25% tariff unless it builds iPhones in the U.S., a move experts say is nearly impossible. Taiwan's drone army is dangerously outmatched by China's, and its tech giants aren't stepping in to help. And Anthropic's new AI model tried to blackmail its creators and plant digital traps for future versions of itself.DOWNLOAD PUBLIC: Public.com/ventureInvest in everything—stocks, options, bonds, crypto. You can even earn some of the highest yields in the industry—like the 7% or higher yield you can lock in with a Bond Account. Public is a FINRA-registered, SIPC-insured platform that takes your investments as seriously as you do. Fund your account in five minutes or less at public.com/venture and get up to $10,000 when you transfer your old portfolio.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.A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 7%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 5/15/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule.*Terms and Conditions apply.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, AppleTV or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Prof. Alan: Creative problem-solvingThe world doesn't change on its own—people with vision, grit and creativity drive progress. Few embody this more than Prof. Alan Arthur Tratner, who helped organize the very first Earth Day in 1970 and has since built a global legacy supporting green entrepreneurs and inventors.Alan's work reminds me that bold action in the face of crisis can spark lasting transformation. In today's episode, he shared the story of rushing to the oil-soaked beaches of Santa Barbara after the catastrophic 1969 spill, an experience that moved him to tears and propelled him into environmental activism. “I broke down, fell on my knees and cried... and then I just said we've got to stop this. We have to find a way to do it,” Alan recalled.That determination led him to found Green2Gold, a unique non-profit incubator that has nurtured over 100,000 inventors, entrepreneurs and more than 300 non-profits focused on environmental and social responsibility. Alan's approach is rooted in the belief that innovation can solve the problems it helped create. “We invented our way into this mess, we could innovate and invent our way out,” he explained.One of the most compelling aspects of Alan's work is his early embrace of investment crowdfunding. He recognized that democratizing access to capital could accelerate the development of climate solutions. “Equity crowdfunding was the democratization of investing. No longer did you have to be wealthy or be in power... anyone in the world, accredited or unaccredited, could invest in an American company,” Alan said.Through Green2Gold's programs, Alan continues to champion breakthrough technologies in renewable energy, sustainable agriculture and disaster recovery. His “Build Back Green” project, for instance, emerged in response to the devastating wildfires in Lahaina and now provides a blueprint for rebuilding communities in sustainable, resilient ways.If you're inspired by Alan's vision or want to learn more about Green2Gold's work, visit green2gold.org. For entrepreneurs and inventors seeking support—or anyone interested in investing in a better world—Alan and Green2Gold are showing what's possible when we put creativity and collective action to work for the planet.tl;dr:Alan Tratner shared his journey from the first Earth Day to launching the Green2Gold impact incubator.He described the critical role of innovation and entrepreneurship in addressing environmental crises worldwide.Alan emphasized the power of equity crowdfunding to democratize investment for green ventures and climate solutions.He highlighted the importance of perseverance, creativity and passion for lasting impact in nonprofit and business work.Alan offered actionable advice for aspiring changemakers to lead with purpose and build sustainable ventures.How to Develop Creative Problem-Solving As a SuperpowerAlan's superpower lies in the fusion of creativity, scientific thinking and practical experience. As he described, “I think that creative spark, that passion, you know, I try to give our entrepreneurs and our nonprofits the same feelings about... inventing in the fields that are going to make a difference.” He credits his background in science, art and design, as well as years of nonprofit leadership and invention, for giving him a “quiver of superpowers” that enable him to help others become problem solvers and critical thinkers.Illustrative Story:Alan shared how he has supported over 315 nonprofits and 100,000 entrepreneurs through Green2Gold by applying his expertise in nonprofit management, invention and funding. For years, he persisted with a wind turbine invention that was ahead of its time, waiting 45 years for the right moment to see it realized. He emphasized that passion and perseverance are crucial. “If you quit, you can't win,” Alan said, reflecting on the decades he devoted to innovations that now have renewed relevance.Actionable Tips for Developing Creative Problem-Solving:Treat your venture or nonprofit as a passionate career, not just a hobbyPut your whole self—brain, energy and opportunities—into your missionEmbrace challenges and persist through setbacks; don't give up if progress is slowSurround yourself with people who share your passion and driveThink entrepreneurially, even in nonprofit work, to build sustainability and legacyBy following Alan's example and advice, you can make creative problem-solving a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileProf. Alan Arthur Tratner (Earthling):Founder /Chairman of  Green2Gold, Green2Gold global impact Incubator---501 c 3About Green2Gold global impact Incubator---501 c 3: Helped found Earth Day and the first UN International Conference on the Human Environment. Pioneered impact incubation for over 55 years in green tech, sustainability, and regenerative solutions. Leading the transition to sustainability and a global, inclusive green economy. Supported over 100,000 members and 315 socially and environmentally responsible nonprofits.Website: Green2Gold.orgBiographical Information: Alan Arthur Tratner, is the International Director of Green2Gold and has served as the President of the Inventors Workshop International and the Entrepreneur's Workshop, Director of the Small Business Entrepreneurship Center in California, a SCORE (US SBA) consultant, and was publisher of the Lightbulb Journal and INVENT! magazines. He is an inventor and serial entrepreneur, with 13 inventions/patents. He has been dubbed the “Minister of Ideas” by the media and has been featured in the Wall Street Journal, Inc., Entrepreneur, Business Week, TIME, USA Today, America Online Forum, NPR, and has appeared on OPRAH, CNN, Good Morning America, and CNBC. Alan has mentored and assisted thousands of green technology, sustainable ecology and energy companies and inventors. He was a former Professor of Environment and Energy, participated in the First International United Nations Conference on the Human Environment, Stockholm Sweden, was staff member of Environmental Quality Magazine and helped establish Earth Day. He founded the Environmental Education Group Foundation with many supporters, including Nobel prize winner Dennis Gabor. Alan traveled the USA conducting the Ultimate Crisis and Solutions for Survival seminars, led an environmental and alternative energy delegation to the former Soviet Union for the Citizen's Ambassador Program. He was editor of Energies Journal for the Solar Energy Society of America, published the Geothermal Energy magazine and Geothermal World Directory. In the 1990's he became Director of the Green Business Conference of the ECO EXPO, created the Eco Inventors and Eco Entrepreneurs Workshops, and the New Environmental Technologies Exhibits. In 2012, Alan was inducted into the International Green Industries Hall of Fame and honored with Lifetime Achievement.Linkedin: linkedin.com/in/prof-alan-tratner-3935506/Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, RedLineSafety, and Ovanova PET. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Ralf Mandt, Next Pitch | Scott Thorpe, Philanthropist | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on June 17, 2025, at 1:00 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperCrowdHour, June 18, 2025, at 12:00 PM Eastern. Jason Fishman, Co-Founder and CEO of Digital Niche Agency (DNA), will lead a session on "Crowdfund Like a Pro: Insider Marketing Secrets from Jason Fishman." He'll reveal proven strategies and marketing insights drawn from years of experience helping successful crowdfunding campaigns. Whether you're a founder planning a raise or a supporter of innovative startups, you'll gain actionable tips to boost visibility, drive engagement, and hit your funding goals. Don't miss it!Superpowers for Good Live Pitch – June 25, 2025, at 8:00 PM Eastern - Apply by June 6, 2025, to pitch your active Regulation Crowdfunding campaign live on Superpowers for Good—the e360tv show where impact meets capital. Selected founders will gain national exposure, connect with investors, and compete for prizes. To qualify, you must be raising via a FINRA-registered portal or broker-dealer and align with NC3's Community Capital Principles. Founders from underrepresented communities are especially encouraged to apply. Don't miss this chance to fuel your mission and grow your impact!SuperCrowd25, August 21st and 22nd: This two-day virtual event is an annual tradition but with big upgrades for 2025! We'll be streaming live across the web and on TV via e360tv. Soon, we'll open a process for nominating speakers. Check back!Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.African Diaspora Investment Symposium 2025 (ADIS25), Wednesday–Friday, May 28–30, 2025, at George Washington University, Washington, D.C., USA.Devin Thorpe is featured in a free virtual masterclass series hosted by Irina Portnova titled Break Free, Elevate Your Money Mindset & Call In Overflow, focused on transforming your relationship with money through personal stories and practical insights. June 8-21, 2025.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington DC, October 21-22, 2025.Call for community action:Please show your support for a tax credit for investments made via Regulation Crowdfunding, benefiting both the investors and the small businesses that receive the investments. Learn more here.If you would like to submit an event for us to share with the 9,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Episode 589: Neal and Toby chat about the bond market getting shivers after Trump's tax bill is projected to add to the federal deficit. Then, the US Treasury will finally put an end to adding new US pennies into circulation. Also, the box office has another blockbuster double-header with Mission Impossible and the Lilo & Stitch remake. Meanwhile, Bitcoin is the Stock of the Week and Nike is the Dog of the Week.  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 endthecampaign.com for more Listen to Morning Brew Daily Here: https://www.swap.fm/l/mbd-note  Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow 00:00 - MBD Trivia Night  02:20 - Tax Bill Impact  07:40 - Goodbye Penny  11:00 - Lilo & Stitch vs Mission Impossible 14:40 - Stock of the Week: Bitcoin  17:50 - Dog of the Week: Penny  19:30 - Headlines 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 (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative and involves a high degree of risk. Cryptocurrency holdings are not protected by the FDIC or SIPC. APY as of 3/18/25,  subject to change. *Terms and Conditions apply. Learn more about your ad choices. Visit megaphone.fm/adchoices

Agenda: 04:34 Chime's IPO Announcement: Who Wins & Who Loses 06:28 The Lopphole That Means Chime Has a Better Business than JP Morgan 10:51 Why Investors Who Invested at $25BN Will Make Money When it IPOs at $12BN 18:59 Are IPOs Dead & The Future of the Late Stage Private Market 27:32 Exits are Larger Than Ever: So What? What Happens? Who Wins? Who Loses? 40:51 Is Europe Totally F******* 43:48 Challenges of Going Public & What Needs to Change? 46:12 OpenAI's Future and Predictions 49:45 Rippling vs. Deel Lawsuit: Is Deel Screwed? 59:28 Why So Many Companies Are About To Become Database Companies 01:08:07 The Future of Salesforce: Buy or Sell? 01:13:28 Quickfire Round Please read the offering circular and related risks at invest.modemobile.com. This is a paid advertisement for Mode Mobile's Regulation A+ Offering. Past performance is no guarantee of future results. Investing in private company securities is not suitable for all investors because it is highly speculative and involves a high degree of risk. It should only be considered a long-term investment. You must be prepared to withstand a total loss of your investment. Private company securities are also highly illiquid, and there is no guarantee that a market will develop for such securities. DealMaker Securities LLC, a registered broker-dealer, and member of FINRA | SIPC, located at 105 Maxess Road, Suite 124, Melville, NY 11747, is the Intermediary for this offering and is not an affiliate of or connected with the Issuer. Please check our background on FINRA's BrokerCheck.    

Tom Bodrovics introduces Chris Whalen, author of Inflated: Money, Debt, and the American Dream, which has been re-released in a second edition with significant updates. The conversation focuses on the current state of markets, the impact of President Trump's tariff policies, and the challenges posed by the federal debt and inflation. Chris explains that he removed 20,000 words from his original book to make space for a new chapter analyzing the Federal Reserve's management of the money supply under Ben Bernanke, Janet Yellen, and Jerome Powell. He highlights how the U.S. housing market has become heavily government-supported, leading to increased volatility and rising costs for consumers. Discussing inflation, Chris notes that it is driven by the inability of governments to generate sufficient income to meet their people's needs, as seen in countries like Argentina. He argues that borrowing from future income through debt creates distortions, particularly in housing markets, where prices have surged due to low interest rates and government intervention. He also critiques the dysfunctionality of Congress, which he believes is unable to pass budgets or manage spending effectively. Chris emphasizes the importance of gold as a hedge against inflation and expresses skepticism about stablecoins and cryptocurrencies, calling them speculative vehicles rather than reliable alternatives to fiat currency. He suggests that the U.S. dollar's dominance in global markets contributes to inflationary pressures, as other countries benefit from using dollars without bearing the associated costs. The discussion concludes with Chris offering an optimistic outlook, noting that while challenges remain, opportunities exist for investors to navigate inflation through real estate and gold. He encourages listeners to manage investments with a long-term perspective, considering the erosive effects of even low levels of inflation over time. Time Stamp References:0:00 - Introduction1:02 - His Revised Book3:08 - Tariffs & Debt Distortions7:12 - Reserve Currency & Inflation11:03 - Debt Markets & Fed/Banks17:32 - National Debt & Spending21:18 - DOGE Cuts & Old Systems30:17 - Trump's Strategy?34:04 - Gold During Nixon Era39:08 - Book & US Administrations44:13 - MMT Era & Cryptocurrency?50:21 - Silver Supply & 1800s52:06 - Stablecoin Backing55:02 - Concluding Thoughts56:33 - Wrap Up Guest Links:Website: https://www.rcwhalen.com/X: https://x.com/rcwhalenBooks (Amazon): https://tinyurl.com/mv3wctcrLinkedIn: https://www.linkedin.com/in/rcwhalen/ Richard Christopher Whalen is an investment banker and author based in New York. He serves as Chairman of Whalen Global Advisors LLC, focusing on banking, mortgage finance, and fintech sectors. Christopher is a contributing editor at National Mortgage News and a general securities principal and member of FINRA. From 2014 to 2017, he was the Senior Managing Director and Head of Research at Kroll Bond Rating Agency, leading the Financial Institutions and Corporate Ratings Groups. Previously, he was a principal at Institutional Risk Analytics from 2003 to 2013. Over three decades, Chris has worked as an author, financial professional, and journalist in Washington, New York, and London. After graduating, he served under Rep. Jack Kemp (R-NY) at the House Republican Conference Committee. In 1993, he was the first journalist to report on secret FOMC minutes concealed by Alan Greenspan. His career included roles at the Federal Reserve Bank of New York, Bear Stearns & Co., Prudential Securities, Tangent Capital, and Carrington Mortgage Holdings. Christopher holds a B.A. in History from Villanova University. He is the author of three books: "Ford Men: From Inspiration to Enterprise" (2017), published by Laissez Faire Books; "Inflated: How Money and Debt Built the American Dream" (2010) by John Wiley & Sons; and co-author of "Financial Stability: Fraud, Confidence & the Wealth of Nations,

On this TCAF Tuesday, Downtown Josh Brown sits down with Dana Mattioli of The WSJ to discuss her new book "The Everything War" and Amazon's plan to stay on top forever. Then at 42:00, hear an all-new episode of What Are Your Thoughts with ⁠⁠Josh Brown and ⁠⁠Michael Batnick⁠⁠! This episode is sponsored by Public. Fund your account in five minutes or less and earn up to $10,000 when you transfer your investments by visiting: 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: 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. *Rate as of 3/5/25. APY is variable and subject to change. **Terms and Conditions apply. 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