Podcasts about merril lynch

El 10 de septiembre de 2001, un día antes del ataque terrorista contra las torres gemelas de Nueva York, Félix Sánchez presentó su renuncia. Corredor de bolsa de la agencia Merril Lynch, que tenía sus oficinas en aquellas impresionantes torres, Sánchez tenía talento como asesor de finanzas. El día siguiente, pocas horas después de haber desocupado su escritorio y de haberse despedido de sus compañeros de trabajo, parecía tener además muchísima suerte. Su decisión oportuna lo había salvado de la horrible muerte inesperada que sufrieron sus colegas. Pero la suerte no habría de acompañarlo más que dos meses contados. Porque el día 12 de noviembre Félix Sánchez tomaría la desafortunada decisión de abordar el aerobús de American Airlines, vuelo 587, que no llegó a su destino en Santo Domingo sino que se estrelló en un barrio residencial de Nueva York poco después de despegar. Y Sánchez estaría entre los 265 que perecieron, entre ellos 174 dominicanos compatriotas suyos. De apenas veintinueve años de edad, Sánchez había soñado con tener su propia agencia deportiva. Por eso volaba a su patria aquel lunes, para reunirse con futuros clientes en su nueva carrera como asesor de finanzas de beisbolistas dominicanos. Ya se había ganado la confianza de ciertos jugadores de renombre. Esperaba poder ayudar a sus paisanos a invertir con prudencia su dinero. «Después de lo de las Torres Gemelas, él tenía una nueva perspectiva de la vida —contó su amigo Sid Wilson—. La última vez que nos vimos, él estaba muy entusiasmado. ¡No lo puedo creer!» Para muchas personas, lo más increíble del caso de Félix Sánchez es que, habiendo tenido tan buena suerte el 11 de septiembre, la haya tenido tan mala el 12 de noviembre. Pero, a fin de cuentas, ¿es la suerte lo que determina el desenlace de nuestra vida? De Moisés, que sacó del cautiverio en Egipto a su pueblo Israel, pudo haberse dicho acerca de su infancia: «¡Qué suerte tuvo! ¡La princesa, hija del mismo faraón que había condenado a muerte a todos los niños hebreos que nacieran, lo sacó del río Nilo, salvándolo de la muerte!» Pero pudo haberse dicho lo contrario acerca de Moisés cuando ya era mayor de edad: «¡Qué mala suerte tuvo! Lo delató un hebreo de su propia sangre por haber matado a un egipcio que golpeaba a otro hebreo hermano de los dos. ¡Y por eso el faraón, que lo había tratado como su propio nieto, intentó matarlo!» De ahí en adelante vemos a Moisés, si mantenemos esa línea, una vez con mucha suerte, otra sin suerte alguna, hasta el día antes de su muerte, en que recibe la trágica noticia de que en esta vida no habrá de ver la tierra prometida a la que ha guiado a su pueblo a través del desierto durante cuarenta largos años. Lo cierto es que en el caso de Moisés no era suerte, como tampoco lo fue en el caso de Félix Sánchez, sino la consecuencia de sus decisiones en combinación con las de los demás. Lo único que podemos aprender de tales casos es a tomar las decisiones más acertadas posibles, y a encomendarnos a Dios, a fin de que, pase lo que pase, estemos preparados, como Moisés, para ver la tierra prometida en la vida venidera. Carlos ReyUn Mensaje a la Concienciawww.conciencia.net

What's up everyone, today we have the pleasure of sitting down with Jessenia Francisco, Director, Marketing Operations at Lucid. Summary: Jessenia shares her journey from nonprofit to tech, emphasizing adaptability and purpose. She tackles imposter syndrome by fostering an inclusive culture, explores the strategic use of tools like Lucidchart in her own day to day, and advocates for mindful martech selection, particularly the integration of AI, balancing innovation with practicality. Her work with Women in Revenue underscores the power of mentorship in empowering women in revenue roles, highlighting the importance of community and strategic thinking for professional and personal growth. About JesseniaJessenia started her career in Finance at Merril Lynch and Bank of AmericaShe pivoted to the non profit space joining the Association of Latino Professionals for America where she started to get in fundraising operationsShe was later recruited by the NewSchools Venture Fund and moved out to the Bay area to roll out Salesforce across the organizationShe then joined the Opportunity Fund as Development Operations Manager focused on improving the donor acquisition process and marketing automation implementationJessenia then made the mega move to Asana where she started in Sales Operations and later pivoted to Marketing Operations leading Martech Program and eventually becoming Head of Marketing AutomationToday she's Director of Marketing Operations at Lucid Software, the creators of the popular flowchart and diagram tool; LucidchartShifting from Counting Coins to Making ChangeJessenia's career evolution from finance to the nonprofit sector was not just a job change; it was a pursuit of impact over income. She sought to make a tangible difference, moving away from the profit-focused dialogues of her finance days towards creating systemic change. This quest for purpose led her to the nonprofit world, where she found the work deeply rewarding.Reflecting on her journey, Jessenia realized she had been involved in operations long before it became a recognized field, combining her analytical skills with business operations even during her finance tenure. This foundation served her well in the nonprofit sector, allowing her to apply her skills to support community-driven initiatives. She was particularly moved by the stories of the communities she worked with, finding a profound connection to the people and the transformative changes her efforts contributed to.At NewSchools Venture Fund, Jessenia experienced the intersection of venture philanthropy and educational reform. This organization, pioneering in merging investment with educational innovation, aimed to disrupt traditional learning models. She was fascinated by project-based learning, as seen in a Napa school, where even kindergartners engaged in complex concepts like velocity and gravity. Such moments underscored the significant impact of strategic funding in education.The nonprofit sector also presented Jessenia with numerous growth opportunities, from implementing CRMs to leading marketing operations. These experiences built her expertise in sales and marketing operations, highlighting the sector's potential for rapid professional development. Jessenia appreciated the creative challenges and the "champagne taste on a beer budget" mentality, which taught her to maximize limited resources effectively.However, Jessenia also faced challenges, including under-resourcing in technology and potential career stagnation. The nonprofit world's inclination to deprioritize tech investments and the limitations in career growth posed significant hurdles. Additionally, leadership changes and political dynamics within organizations could disrupt projects and affect the effectiveness of operations work.Key Takeaway: Jessenia's narrative reveals the dual nature of nonprofit work: its capacity to fulfill a deep-seated need for purpose and impact, juxtaposed with the practical challenges of limited resources and career growth ceilings. Her journey highlights the importance of adaptability, creativity, and a steadfast focus on mission-driven work amidst these challenges.Career Leaps From Small Ponds to Big Tech OceansJessenia's career leap from niche nonprofits to tech giants like Asana and Lucid sheds light on the value and versatility of working in different organizational sizes. Initially joining Asana when it was a relatively small team of 350, she quickly dispelled the myth that smaller entities lack significance. Her experience at Asana, a company that grew from a "cult classic" to a major player, exemplifies the unique advantages of smaller companies, such as a close-knit work culture and rapid adaptability.Small companies, Jessenia notes, offer a level of intimacy and direct impact that larger organizations can struggle to match. From knowing a colleague's preference for Diet Coke to having the ability to influence business outcomes directly, these environments foster a sense of community and effectiveness. Yet, she also confronts the misconception that privilege and pedigree are absent in smaller settings. Even in a tight-knit team, backgrounds of privilege and elite education can influence dynamics, something Jessenia encountered firsthand.However, as companies grow, maintaining the essence of a smaller organization's culture poses challenges. Jessenia emphasizes the importance of meeting people and business needs as they evolve, advocating for empathy and adaptability in processes. She warns against being wedded to past solutions or technologies, stressing the need to tailor approaches to the organization's current context rather than relying on what worked elsewhere.Key Takeaway: Jessenia makes the point that smaller companies offer a richness of experience and that you will need a nuanced approach if transitioning to or scaling within larger tech companies. She highlights the importance of adaptability, empathy, and a keen understanding of the unique dynamics at play, offering insights into successfully navigating career transitions and fostering personal and professional growth in any organizational landscape.Reflections on Overcoming Imposter SyndromeJessenia tackles imposter syndrome with a unique blend of emotional intelligence and mindful reflection. Instead of reacting on impulse, she takes time to process complex ideas, valuing collaboration over solitary effort. Recognizing when to ask for help has been crucial in her journey, turning potential hurdles into learning opportunities and stronger bonds with her colleagues.Her approach to leadership focuses on empowering her team, encouraging them to confidently express their insights and take ownership of their expertise. This method not only addresses imposter syndrome but also promotes a culture where accountability and teamwork thrive. Jessenia believes in the power of vulnerability and support, showing that admitting you don't know everything can be your greatest strength.Jessenia actively seeks out communities for both professional and personal growth, especially during challenging times like the COVID-19 pandemic. By engaging with networks, she ensures no one has to face difficulties alone, emphasizing the importance of collective wisdom and shared experiences.Key Takeaway: The cornerstone of her strategy against imposter syndrome lies in fostering environments where asking questions, seeking clarity, and valuing each team member's viewpoint are encouraged. This approach not only helps combat feelings of inadequacy but also strengthens the team's cohesion and effectiveness.Cracking the MOPs Code with Lucidchart's Vis...

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Ben & Rob suit up to take on ‘The Avengers', not only Marvel's final film of Phase One but our last in this year's coverage of the franchise! Representing the final move in Marvel's master-plan to monopolise the movies; the final piece of a jigsaw started when they bet the entire Avengers IP in exchange for a £500m loan from Merril Lynch. Bringing together all of their superheroes to date, the cast bulges at the seams trying to stitch together the talent of Robert Downey Jr, Chris Evans, Chris Hemsworth, Mark Ruffalo, Scarlett Johansson, Samuel L Jackson, Jeremy Renner and many more.On its release the film became the most financially successful film ever made - but does it stand up over ten years later? Does it effectively tie up the loose threads of the previous five films or simply plant yet more seeds? Will cinema ever return to what it was before the mega franchise machine started printing money? And did Ben & Rob even watch these films?!PLUS! Extra content we didn't have time for in the audio only episode now available on our YouTube channel at the link below!Find us on your socials of choice or WATCH this episode at www.linktr.ee/everymovieeverpodcast

Charlene talks with Lee Rubin, a keynote speaker who focuses on leading high performing teams. While attending Penn State in college, Lee was Captain of the Penn State football team, and since then he's worked as a human resources professional at Fortune 500 companies like Merril Lynch and Johnson & Johnson. Lee is a frequent speaker and panelist at corporations, conferences and schools throughout the country. Lee and Charlene talk about the specific keys to team building, how nurse leaders can meet the unique challenges their teams face, and advice for building more diverse teams. Host: Charlene Platon, MS, RN, FNP-BC (@charleneplaton) Guest: Lee Rubin (leerubinspeaks.com) About the show: ACNL in Action is a production of the Association of California Nurse Leaders, the professional organization for nurse leaders. New episodes come out on the first Friday of every month. Want to support ACNL? Consider making a donation: http://bit.ly/cog-podcast . Learn more about ACNL, including how to become a member, at acnl.org.  Follow us on Facebook and LinkedIn at @acnlnurse.

Art's unique background: the creator of Energetic NLP, NLP trainer, medical researcher, healer, intuitive, leadership and team specialist for major corporations; 4 decades studying psychic development, plus energetic and spiritual healing. Art has been blessed to receive two empowerments directly from the Dalai Lama of Tibet (including one to increase his ability to heal others). Art Has Been Fetaured On: The Love Code, the award-winning Dare to Dream podcast, Happy Insights, Leading Visionaries, Sense of Soul, One World in a New World, Zen Success, The Health & Happiness show, Awakenings, Remember Who You Are, Science & Spirituality Podcast, Change It Up Radio, Superpower Experts, JeffMara Podcast, Ghostman Radio, The Prosperity show, Influencers Channel, 360 Wisdom Speaks, Sunday Soul, the Self-Help Coaching podcast, Lisa Davies, Adam Markel, Loretta Brown Show, Laugh Box, Prosperity Place, Bringing Inspiration To Earth Radio show, Remember Who You Are, and Spiritually Inspired. He's been featured on hundreds of radio, television, podcast shows and in magazines. Art will be featured in an upcoming proninent documentary film, to be released next year. Art will promote the interview to his following. Art is a master at opening up people's abilities: — Learn to use universal energies to transform lives. — Read people's energy fields through the clair's and psychic abilities — Facilitate remote energy work and work with anyone — Accelerating Personal/Spiritual Growth while Activating Your Miraculous Abilities! Art's Talking Points: 1) Reprogramming Your Chakras to Thrive in Turbulent Times 2) Confidently be guided by your Inner Wisdom and Spirit 3) 3 Energy Techniques You Need to Know · See Art Giser's bio, interview questions, talking points, and free gift below. One of Art's areas of mastery is remote energy work. Your listeners will receive transformative energies during the podcast, even if it is a recording! BIO: Meet Art Giser, a visionary powerhouse with a lifetime of diverse experiences that have shaped him into a true trailblazer. With an impressive background spanning 39 years, Art has immersed himself in the realms of NLP, scientific exploration, psychic development, and the profound art of energetic and spiritual healing. His journey has been nothing short of extraordinary. In his earlier years, Art's insatiable curiosity led him to a role as a research lab manager at the esteemed University of California, San Francisco Medical School for eleven years. This foundational experience instilled in him a deep appreciation for the intricacies of human potential and sparked a lifelong passion for understanding the unseen dimensions that shape our reality. As an executive coach, Art has become an invaluable asset to some of the world's largest corporations. His unique approach empowers leaders and fosters the creation of highly collaborative and high-performing teams. Drawing from his rich tapestry of knowledge, he has crafted an innovative coaching style that transcends the boundaries of conventional methods. This has earned him a reputation as a sought-after mentor for those seeking transformative growth and profound shifts in both their personal and professional lives. Some of his clients include Sony, HP, Intel, Pfizer, and Merril Lynch.

Art Giser, a visionary powerhouse with a lifetime of diverse experiences that have shaped him into a true trailblazer. With an impressive background spanning 39 years, Art has immersed himself in the realms of NLP, scientific exploration, psychic development, and the profound art of energetic and spiritual healing. His journey has been nothing short of extraordinary. In his earlier years, Art's insatiable curiosity led him to a role as a research lab manager at the esteemed University of California, San Francisco Medical School for eleven years. This foundational experience instilled in him a deep appreciation for the intricacies of human potential and sparked a lifelong passion for understanding the unseen dimensions that shape our reality. As an executive coach, Art has become an invaluable asset to some of the world's largest corporations. His unique approach empowers leaders and fosters the creation of highly collaborative and high-performing teams. Drawing from his rich tapestry of knowledge, he has crafted an innovative coaching style that transcends the boundaries of conventional methods. This has earned him a reputation as a sought-after mentor for those seeking transformative growth and profound shifts in both their personal and professional lives. Some of his clients include Sony, HP, Intel, Pfizer, and Merril Lynch. Art Giser is not just an exceptional teacher and mentor; he is a beacon of inspiration and empowerment. With a life dedicated to helping others unleash their true potential and embrace their inner brilliance, he continues to be a guiding light for countless individuals seeking to rewrite their life's narrative. Whether you encounter him in the classroom, at a workshop, or through the pages of his profound writing, one thing is certain: Art Giser's influence will leave an indelible mark on your soul and ignite a transformative spark that will guide you to greater heights of self-discovery and empowerment. Find out more at:  WEBSITE: https://energeticnlp.com/

Art Giser, a visionary powerhouse with a lifetime of diverse experiences that have shaped him into a true trailblazer. With an impressive background spanning 39 years, Art has immersed himself in the realms of NLP, scientific exploration, psychic development, and the profound art of energetic and spiritual healing. His journey has been nothing short of extraordinary.In his earlier years, Art's insatiable curiosity led him to a role as a research lab manager at the esteemed University of California, San Francisco Medical School for eleven years. This foundational experience instilled in him a deep appreciation for the intricacies of human potential and sparked a lifelong passion for understanding the unseen dimensions that shape our reality.As an executive coach, Art has become an invaluable asset to some of the world's largest corporations. His unique approach empowers leaders and fosters the creation of highly collaborative and high-performing teams. Drawing from his rich tapestry of knowledge, he has crafted an innovative coaching style that transcends the boundaries of conventional methods. This has earned him a reputation as a sought-after mentor for those seeking transformative growth and profound shifts in both their personal and professional lives. Some of his clients include Sony, HP, Intel, Pfizer, and Merril Lynch.Art Giser is not just an exceptional teacher and mentor; he is a beacon of inspiration and empowerment. With a life dedicated to helping others unleash their true potential and embrace their inner brilliance, he continues to be a guiding light for countless individuals seeking to rewrite their life's narrative. Whether you encounter him in the classroom, at a workshop, or through the pages of his profound writing, one thing is certain: Art Giser's influence will leave an indelible mark on your soul and ignite a transformative spark that will guide you to greater heights of self-discovery and empowerment. Find out more at:  WEBSITE: https://energeticnlp.com/ Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Energetic NLP – Bridging Real World Results & Spirituality Art Giser, a visionary powerhouse with a lifetime of diverse experiences that have shaped him into a true trailblazer. With an impressive background spanning 39 years, Art has immersed himself in the realms of NLP, scientific exploration, psychic development, and the profound art of energetic and spiritual healing. His journey has been nothing short of extraordinary. In his earlier years, Art's insatiable curiosity led him to a role as a research lab manager at the esteemed University of California, San Francisco Medical School for eleven years. This foundational experience instilled in him a deep appreciation for the intricacies of human potential and sparked a lifelong passion for understanding the unseen dimensions that shape our reality. As an executive coach, Art has become an invaluable asset to some of the world's largest corporations. His unique approach empowers leaders and fosters the creation of highly collaborative and high-performing teams. Drawing from his rich tapestry of knowledge, he has crafted an innovative coaching style that transcends the boundaries of conventional methods. This has earned him a reputation as a sought-after mentor for those seeking transformative growth and profound shifts in both their personal and professional lives. Some of his clients include Sony, HP, Intel, Pfizer, and Merril Lynch. Art Giser is not just an exceptional teacher and mentor; he is a beacon of inspiration and empowerment. With a life dedicated to helping others unleash their true potential and embrace their inner brilliance, he continues to be a guiding light for countless individuals seeking to rewrite their life's narrative. Whether you encounter him in the classroom, at a workshop, or through the pages of his profound writing, one thing is certain: Art Giser's influence will leave an indelible mark on your soul and ignite a transformative spark that will guide you to greater heights of self-discovery and empowerment. Find out more at: https://energeticnlp.com/

In the past month, the banking sector experienced its most turbulent period since 2008. Major crypto-friendly banks, including Silvergate, Silicon Valley Bank, and Signature, have gone under, while the 170-year-old Credit Suisse stands on the brink of being absorbed by its main competitor, UBS.   Are we witnessing a reenactment of the 2008 financial crisis? Will the BTFP Fed program ignite another bull run? Or, could we be entering a phase of hyperinflation where Bitcoin's value surges to $1 million within 90 days, as predicted by Balajis, the former CTO of Coinbase?   Today on Blockcrunch, we have Ram, CEO of Lumida who was also previously the Head of Crypto at Cross River, one of the remaining crypto-focused banks, and also the Vice President at Merril Lynch to help us separate signal from noise: Overview of the entire banking situation Will BTFP introduce liquidity into the market What will happen to the crypto markets   Host: Jason Choi @mrjasonchoi . Not financial advice.     Timestamps: (00:00:00) – Introduction to Ram (00:04:14) – Why are banks falling? (00:08:55) – Deliberate crypto crackdown (00:15:59) – Is BTFP actually Quantitative Easing (00:24:18) – FED's ability to continue rate hikes (00:29:21) – Can Bitcoin hit $1m in 90 days (00:32:29) – What is going on with Credit Suisse (00:38:57) – Tying everything back to crypto Sponsor message: Filecoin is enabling open services for data, built on top of IPFS.   Today, Filecoin focuses primarily on storage as an open service, but looks to build the infrastructure to store, distribute and transform data.   Join the Space Warp program (Live until March 2023) to be among the first to build on the Filecoin Virtual Machine (FVM) https://spacewarp.fvm.dev/     More Resources: Guest Ram Ahluwalia's Twitter: https://twitter.com/ramahluwalia     Blockcrunch Blockcrunch VIP: https://blockcrunch.substack.com/ Blockcrunch Twitter: https://twitter.com/theBlockcrunch Jason Choi's Twitter: https://twitter.com/mrjasonchoi     Disclaimer: The Blockcrunch Podcast (“Blockcrunch”) is an educational resource intended for informational purposes only. Blockcrunch produces a weekly podcast and newsletter that routinely covers projects in Web 3 and may discuss assets that the host or its guests have financial exposure to. Views held by Blockcrunch's guests are their own. None of Blockcrunch, its registered entity or any of its affiliated personnel are licensed to provide any type of financial advice, and nothing on Blockcrunch's podcast, newsletter, website and social media should be construed as financial advice. Blockcrunch also receives compensation from its sponsor; sponsorship messages do not constitute financial advice or endorsement.   Full disclaimer: https://blockcrunch.substack.com/about  

Leaders need to think beyond their biases and see the opportunities that can make a huge impact on the organization's bottom line. Don't jeopardize the significant benefits that diversity and inclusion can have on your organization! Leaders think it's just the right thing to do, but it's absolutely crucial in order for businesses to thrive in the diverse world we live and operate in. I host Theresa Torres, CDEIO of the Federal Reserve Bank of New York, where she shares how organizations benefit from being more diverse and inclusive and how to put concrete actions into place. Prior to working at the Federal Reserve Bank of New York, she worked as a leader at ADP, Verizon, and Merril Lynch. She loves her work, is inspired by the talent/knowledge of others she gets to work with, and believes success is a unique journey defined by the individual. What You'll Discover in this Episode: What does a Chief Diversity, Equity and Inclusion Officer at the Federal Reserve do? How you can thrive as a leader even in a “Hunger Games” environment. Why creating a more inclusive cultural drives bottom-line results. A first step to increase inclusion on your team. A strategy to instill positivity in your team. Her top networking strategy. The weight machine that's made a big difference for her and her family. Resources: https://www.newyorkfed.org/ (https://www.newyorkfed.org/) https://www.greatplacetowork.com/resources/blog/why-is-diversity-inclusion-in-the-workplace-important (https://www.greatplacetowork.com/resources/blog/why-is-diversity-inclusion-in-the-workplace-important) https://www.ilo.org/global/about-the-ilo/newsroom/news/WCMS_841085/lang--en/index.htm (https://www.ilo.org/global/about-the-ilo/newsroom/news/WCMS_841085/lang--en/index.htm) ----- Connect with the Host, #1 bestselling author Ben Fanning https://www.benfanning.com/speaker/ (Speaking and Training inquires) https://followbenonyoutube.com (Subscribe to my Youtube channel) https://www.linkedin.com/in/benfanning/ (LinkedIn) https://www.instagram.com/benfanning1/ (Instagram) https://twitter.com/BenFanning1 (Twitter)

Here's a full-length episode from Real Vision's original series, My Life in 4 Trades - be sure to subscribe. Harley Bassman has worked in finance for more than 40 years. Before becoming a managing partner at Simplify, Bassman traded at Credit Suisse, Merril Lynch, and PIMCO. He joins Maggie Lake to talk about why using simple common sense led to his early success and how he got burned during the Global Financial Crisis by not listening to Steve Eisman, the portfolio manager portrayed by Steve Carrell in the hit movie “The Big Short.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Harley Bassman has worked in finance for more than 40 years. Before becoming a managing partner at Simplify, Bassman traded at Credit Suisse, Merril Lynch, and PIMCO. He joins Maggie Lake to talk about why using simple common sense led to his early success and how he got burned during the Global Financial Crisis by not listening to Steve Eisman, the portfolio manager portrayed by Steve Carrell in the hit movie “The Big Short.”

PreambleMy wife and I recently packed our bags and relocated to New Jersey! Texas was good for us but now we are on to our next adventure in Greater New York City. Would love to meet up if you are in the area. It’s been fascinating observing people’s reactions when I say I work in crypto. Some acquaintances immediately start walking me through their crypto portfolio while others clutch their pearls and flee for dear life. Jokes aside, I am often the first person they have met who works in the space. Sometimes, I get the sense they don’t quite know what to make of me. Crypto’s unsettling reputation has not been helped by the recent market downturn, hacks, and bankruptcies. My singular refrain has been that “the underlying technology could solve real-world problems, focus on that”. But you can’t bury your head in the sand and ignore the world around you. If you fail to study history, then you are bound to repeat the same mistakes. We are living through the early days of Crypto’s history. Let’s learn from this moment lest we fall prey to the same dragons. Heartache 💔Celsius - a prominent centralized crypto lending company - filed for bankruptcy on July 13, 2022. Customers had been unable to withdraw their funds since June 12, 2022. It now looks unlikely that they will ever reclaim all their funds. Some devastated customers have written letters to the judge presiding over the bankruptcy proceedings. These letters are gut-wrenching. Here are excerpts from two of them:But how did we get here?Celsius: Background🔎Celsius was founded in 2017 by Alex Mashinsky (CEO), Daniel Leon (former COO, now Chief Strategy Officer), and Nuke Goldstein (CTO) in Hoboken NJ. Celsius provides customers with high interest-bearing accounts for cryptocurrencies and crypto-collateral-backed loans. High interest-bearing crypto accountsExample 1: Johnny cashed out some of his cash savings and stock investments to buy 1 bitcoin on Coinbase. He then sees an ad from Celsius offering 17% interest rates for customers who deposit bitcoin with the company. He looks at his regular bank account and is reminded that Bank of America is only offering 0.1% interest. It’s a no-brainer! Johnny moves his 1 bitcoin from Coinbase to Celsius to earn high interest. Crypto-collateral-backed loansExample 2: The price of bitcoin has more than doubled. Johnny is feeling good about his investment. Time to finally buy that engagement ring he has been eyeing. The price of bitcoin is $50k but he only needs $10k. However, Johnny doesn’t want to sell his bitcoin because he believes the price will be much higher in the future. Step 1: He transfers 0.3BTC valued at $15k as collateral for a $10k cash loan.Note: (a) There are no interest payments on the loan but he has 1-year to pay it back. (b) There are no credit checks because the loan is overcollateralized with a loan to value (LTV) ratio of 67% => $10k loan / $15k crypto collateral. Step 2: Celsius will monitor the LTV ratio as the price of bitcoin continues to fluctuate. If the price of bitcoin drops deeply, Johnny will have 24 hours to add more collateral or pay down the loan if the LTV hits the predetermined threshold ex 90%. If Johnny fails to bring the LTV back to an acceptable range say ~67% within the prescribed time then Celsius has the right to sell his collateral for cash. Besides lending, Celsius generated revenue from token sales, bitcoin mining, and discretionary trading of cryptocurrencies. As of June 2022, Celsius had lent out $8 billion to customers and had $12 billion in assets under management. The company had 450 employees and reportedly 1.7 million account holders. How did it go wrong?⚡TLDR: Celsius CEO said the company went bankrupt due to “..certain poor asset deployment decisions”. Basically, weak risk management. Unfortunately, this does not appear to be an isolated incident, rather, tales of poor decision-making and under-resourcing are emerging from different parts of the organization. On the surface, the main thrust of Celsius business model was sound. It’s the same model that banks have used for centuries: pay interest to depositors then loan those funds out to another entity at a higher interest rate. Then you simply profit off the difference in interest rates. Celsius grew rapidly by offering up to a 17% interest rate on crypto deposits. At its peak, it had $24B of assets under management. This helped it raise $750M in Nov 2021 at $3.3B valuation. That fundraising round was led by the second largest pension fund in Canada. But it all came crashing down when Celsius filed for bankruptcy due to the $1.2B hole in its balance sheet. Celsius reported its total assets were $4.3B but total liabilities were $5.5B. Of the $5.5B liabilities, Celsius owes its customers $4.7B but does not have the assets to pay them. The company only has $125M cash on hand. Much of the $4.3B of assets are said to be Celsius’ holdings of its own crypto token which has dropped in value from a peak of $7.7 in June 2021 to $0.9 in July 2022. There are questions about the current market value of the $4.3B listed assets and fears the actual is lower than what has been reported. Where did risk management fail?We are still learning about the failures that led to Celsius bankruptcy. Here’s what I have gathered thus far: 1. Failure of leadershipCelsius executives reportedly told the Chief Human Resource Officer NOT to run background checks on the incoming CFO, Yaron Shalem. This is a major red flag 🚩 In Nov 2021, Shalem was arrested in Israel and charged with money laundering at his previous company. Perhaps stronger controls could have identified a CFO who might have steered Celsius away from taking on increasing levels of risk. But ultimately the CEO is responsible. 2. Under resourcing Disruptors don’t color within the lines. They dream up new industries and take risks executing their visions. This is the nature of technological disruption. Uber and Airbnb are great examples of disruptors who launched products ahead of supporting laws, rules and regulations. The Silicon Valley swagger to move quickly and break things has produced results….but one wonders if it is a fit for financial services. Celsius reportedly only had 3 compliance professionals serving 1.7 million account holders. Some banks serving fewer customers might have 10 to 30x compliance professionals. A former Celsius compliance employee shared how the department was seen as a cost center and not a strategic partner for the business. One could extrapolate and imagine that the same attitude of under-resourcing likely applied to risk management too. 3. Poor fund managementCelsius CEO said in retrospect, they made poor fund deployment decisions. These decisions primarily fall into two camps: (a) over-leveraged positions and (b) over-exposure to stETH. (a) Over—leveraged positions: Celsius loaned out depositors’ funds on MakerDAO, a decentralized lending platform. One loan is ~$550M. This loan is overcollateralized like the loans Celsius itself issues. One challenge is that the price of Bitcoin has tumbled more than 60% since the 2021 highs. As a result, Celsius has had to pay down the loan or provide more collateral to bring the LTV back in range, otherwise, the entire $550M collateral would be liquidated. Celsius likely used new customer deposits to secure the collateral consisting of old customer deposits. Celsius came close to losing $550M a couple of times. It has reportedly lost smaller amounts due to insufficient liquidity to shore up the LTV ratio.A sound risk management approach would have considered that crypto prices could fall significantly and perhaps limit Celsius exposure to this high-risk strategy. (b) Over-exposure to stETHCelsius used customer deposits to acquire over $400M of stETH, an irresponsible amount given that no counterparties hold a comparable amount to trade with. stETH is an illiquid receipt stoke for staked ether. stETH is a derivative of ether with each stETH representing one staked ether on the new Ethereum blockchain. However, the price of stETH and the price of ether decoupled in recent months, stETH now has a 3% discount at the time of writing. A sound risk management approach would have considered whether Celsius should have used user’s deposits to acquire stETH, and if decided to, there could have been controls to limit the amount of exposure to this illiquid asset in Celsius portfolio. What next for Celsius customers? ⏭Celsius presented itself like a bank but operated more like a hedge fund. Many customers did not read the fine print in Celsius terms and conditions. Reading through now would yield several realizations. Uninsured depositsDepositors at US banks are protected by the Federal Deposit Insurance Corporation (FDIC). If a US bank goes bankrupt, all depositors’ funds are insured for up to $250k. Unfortunately, Celsius is NOT a bank and did not hold any insurance for depositor’s funds. Section 13 of the Celsius user agreement explicitly states that if the company goes bankrupt, customers may not be able to recover ANY funds. Bankruptcy claimsCelsius customers are filing bankruptcy claims. Some have also written letters petitioning the judge to release funds to them. Interestingly, although Celsius is headquartered in Hoboken NJ, the bankruptcy suit was filed in New York’s Southern District. Judges in this district are thought to be more savvy and experienced with major bankruptcies having previously handled notable cases like Merril Lynch and Bernie Maddoff. Unfortunately, it’s not looking good for customers. What lessons have been learned? 📔Not your keys, not your coinsMy friends who have been in crypto for several years frequently admonish everyone to move their holdings off centralized exchangers like Coinbase and lending platforms like BlockFi and Celsius. This episode has made the reasons painfully obvious. It’s clear to see why they recommend one self custody crypto holdings in a cold wallet. Leadership mattersIt looks like Celsius executives lost their heads in the ecstasy of the bull market. They kept on layering on high risk moves perhaps imagining themselves to be invincible. But truth be told, I think the rot started way before the crypto bull market. The absence of background checks for senior executives, the under-resourcing of compliance are symptoms of a culture that turns its nose at the modern financial services industry. I agree that there are some financial services which are ripe for disruption but there are also risk management practices and standard operating procedures which have successfully safeguarded the interest of customers. These mustn’t be discarded with the bath water. Please do considerable research as you invest your funds. Look at the background and statements of the leaders. Sometimes people who are undisciplined with finances reveal themselves to be undisciplined with their words too.Real human impact1.7 million affected account holders may never fully recover their funds. This would undoubtedly leave a lasting bad impression. Some of the stories are simply heart-breaking. There’s the story of a worker close to retirement who sold off their stocks and bonds and deposited everything into Celsius. There are countless stories of families who put decades of life savings into these accounts. Some people will never recover financially. It must be taking a heavy emotional toll too. I fear, a few people may even take their own lives similar to the suicides following the Great Stock Market Crash of 1929.DiversifyPlease do NOT put all of your eggs in one basket. Diversify to reduce your exposure to any one platform and any one company. Consider moving some or all of your crypto holdings into multiple cold wallets and securely store them in waterproof, fireproof, and tamperproof environments. Risk management is a differentiatorCrypto has been pulling in top talent from a variety of backgrounds. Sometimes I sense a tension between the tech-forward move fast crowd and the deliberate, cautious, and risk averse financial services crowd. But we need both legs to run into the future. The Celsius meltdown has given me a renewed appreciation for risk and compliance. In recent days, crypto lending companies have been at pains to explain their risk management approach and distance themselves from Celsius. I expect there could be a flight to quality, with consumers gravitating to more established and regulated providers. There is an opportunity for banks to make a move here. More curious about DeFiHumans are fallible. People get greedy and risky, then bad things happen. This is not limited to crypto. It happens across every industry. One of the beautiful things about decentralized finance (DeFi) is that it runs on smart contracts aka code. It takes the human out of the equation and executes based on the written code. But no system is infallible. DeFi solves for one risk - human behvaior - while heightening another risk: hackers. DeFi is poised to continue growth and eventually will underpin a chunky slice of the mass market.Brace yourself for more regulationSociety functions around a set of rules of engagement. There are consequences when you break those rules. Every industry needs regulation. Crypto is no different. I hope that the regulation is thoughtful and not a knee-jerk reaction. I hope the regulation would seek to protect the consumer, not prevent the consumer from engaging with crypto. I hope the regulation is crafted in partnership with industry, seeking to support technology advancement and not strangle the baby in the bassinet. I’m optimistic. Many advances we take for granted today went through a storming phase in their infancy. I have seen newspaper clips from the 1800s railing against electricity and cars. Today we can’t imagine our lives without them. I expect the US will eventually strike the right balance with crypto regulations. PS - But wait, there’s moreThere’s more to the Celsius story. For instance, I didn’t get into the alleged token manipulation and potential insider trading.PSS - Former Coinbase PM arrested for insider tradingSpeaking of insider trading, this week, a former Coinbase product manager was arrested along with his brother and a friend for insider trading. Background There are about 2,000 crypto tokens. Binance lists over 300 of them on their exchange. Coinbase has been intentionally listing more tokens to close the gap and give their customers more choice. Coinbase currently lists about 200 tokens. It’s been observed that new tokens experience a significant price jump once they are listed on Coinbase. It could be due to millions of users suddenly gaining access and increasing demand. The Coinbase PM obtained intelligence on which tokens would be listed then relayed it to his accomplices. The trio then got wallets controlled by other people to opportunistically buy and sell these tokens. They earned at least $1.5M through this insider trading scheme. Blockchain to the rescuePublic blockchains permit anyone to view transactions. The challenge is that it’s not always obvious to the observer who owns the wallets but that’s why blockchain analytics firms like Chainalysis, TRM Labs and Elliptic specalize in. An avid observer noticed this pattern of sales from a wallet. He shared his observations on Twitter. Soon financial regulators were hot on the chase and identified the trio and notified Coinbase. The Coinbase PM was invited to a meeting where at Coinbase where he was presumably fired. Regulators sent him a letter. He bought a ticket to fly home to India on the same day. The suspect was apprehended before he could flee the country. Contrary to some widely held beliefs, blockchain technology is not just a haven for would-be-criminals, rather, it can be a valuable tool for law enforcement to catch criminals. It’s been long rumoured that there is significant insider trading at some crypto tokens. Perhaps this case is the first of many to come. The industry needs to police itself and partner with law enforcement. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit afolabio.substack.com

Episode Summary: In this episode of the L3 Leadership Podcast, Brian Moran discusses his framework for the 12 Week Year and shares how you can get more done in 12 weeks than most can in a year. 5 Key Takeaways:Brian shares his definition of accountability and what that means in relation to other people as a leader. He discusses why he wrote his book, The 12 Week Year.Brian talks about how shortening the timeframe to achieve a goal can bring clarity, momentum, and stress reduction.He shares the framework he provides leaders with to achieve their goals in the 12 Week Year.Brian discusses how he reviews his execution and results to accomplish more. About Brian: Brian is the CEO and founder of The Execution Company. He is a highly respected expert and accomplished executive who has developed a well-versed business perspective from his vast experience in consumer products, healthcare, food service, automotive and transportation and professional service sectors.Brian is the co-author of the New York Times bestseller, The 12 Week Year, a program developed to empower individuals and companies to achieve more in 12 weeks than what others accomplish in 12 months. The 12 Week Year philosophy and training program has been implemented worldwide with industry leading companies like Allstate, BBVA, Mass Mutual, Metronic, Merril-Lynch, Nationwide, Paycor, and Papa Johns.Prior to launching The Execution Company, Brian had leadership positions within Pepsico, UPS, Senn Delany Management Consultants, and National Automotive Corporation. Coupling his corporate experience with his entrepreneurial drive, Brian also co-founded Bio Inc, a health services provider specializing in wellness and medical surveillance performing on-site medical testing.A trusted strategic advisor and visionary, Brian volunteers his time to mentor promising entrepreneurs to refine, implement, and execute their business plans, and his charity work includes Susan G. Komen and CBMC. Quotes From the Episode:“In the end, you choose your consequences.”“Separate the starting from finishing.”“The 12 Week Year is about being great at a few things, rather than being mediocre at a lot of things.”“Do everything you can to grow.”Guest Resources Mentioned:The 12 Week Year  by Brian P. Moran and Michael Lennington12 Week Year WebsiteUncommon Accountability by Brian P. Moran and Michael LenningtonFeel the Fear and Do it Anyways by Susan JeffersOne Minute Manager by Kenneth Blanchard Ph.D. Connect with Brian:Website | Facebook | Youtube | Twitter | LinkedIn

DIY Investor MistakesAre you a DIY Investor? Good for you! I'm a DIY kind of guy. I do my own pool maintenance, cut my own lawn, and change my own oil. Believe it or not, I cut my own hair. I became a DIY Investor just about the time Enron imploded. The first company stock I bought was TICO because I watched PBS interview Dennis Kozlowski and I thought, I like that guy. I trusted him and I bought his stock the next day. Big mistake.As a DIY Investor I've made every mistake imaginable. In 2007, December 14 (my 25th wedding anniversary) I hired my first Wall Street Financial Advisor at Merril Lynch. That was one of the biggest mistakes of my financial life.One of the things I really appreciated about my Financial Advisor (even thought he worked in a very broken system on Wall Street) was having someone on my team who had access to tons of tools and information that I just didn't have.DIY Investor InvitationIf you're a DIY Investor, I want to invite you to take advantage of BayRock Financial. I built BayRock to appeal to DIY Investors. My first recomendation is simple: Get Your Risk Number. Visit BayRockFinancial.com and click on the Blue Button at the top of the page next to the BayRock logo and take our 5 minute risk survey. If you want to email me your investment statement, I'll do a portfolio review to show you how much risk you have compared to how much risk you want. I'll tell you what I'm doing with my money now and you'll get to see why I recommend the BayRock Bull Bear Strategy for many (not all) of my current clients. How BayRock Helps DIY Investors:BayRock is dedicated to helping individual investors, families, and business owners manage the risk and opportunity of everyday life, recover from the unexpected, and realize their highest purpose. Get Your Risk NumberSubscribe to the Missional Money PodcastFree Online Course: Make Your Money CountUpdate Your Plan!Track Your Progress Download our Mobile App (RightCapital)DIY Investor BlueprintWhether you're a DIY Investor or a professional Investment Advisor, you need to have a good plan for managing your wealth and while that includes managing your investment portfolio, there is much more to consider. In my book, Make Your Money Count, I outline a holistic process for financial planning. The metaphor I use in the book is The Blueprint for Financial Success™. The Blueprint for Financial Success™DIY Investor StrategiesAll good investment strategies are designed to maximmize...

Rosalie in Paris Get your little berets and stinky cheeses ready for the latest PYAG. Comedian and actor Paul Palmeri joins Matt and Vince to talk about the Frenchest episode of The Sopranos, season 6A episode eleven, “Cold Stones.” Paul, a self-described AJ-type, is a fitting guest for this AJ-heavy episode. After he gets fired from Blockbuster for loving the environment too much to let the promotional standees go unsold, Tony gets AJ a construction job. Framed as consequences for his poor decision making, Paul encourages AJ, and anyone listening, to cherish the opportunity to work outside and build things. Working inside and sending emails all day might not be physically demanding, but it will erode your soul in a way that young AJ will never understand. Imagine AJ in a conference room trying to learn scrum methodology or lean principles. Best case scenario: he's a better project manager for a suicide attempt. As much as all the dumb guys running this podcast love our dumb guy king AJ, this is a Rosalie Aprile episode. She's in Paris showing the rest of us how to do a vacation. Get hit on by a hot young French person, buy some stuff, don't poop, light a couple candles, and if your friend Carmela tries to kill the vibe by bringing up old trauma, kindly but firmly instruct her to shut the f*ck up. This is Paris, not therapy, you stunad. Eat a croissant and take some pictures you'll never think about again. Leave dead family members where they belong — New Jersey's Belleville. If you have any merch from the band that Vince's uncle and Victor Conti were in, please let us know in a five-star review on Apple Podcasts. Subscribe to Pod Yourself A Gun on Apple Podcasts. Email us at frotcast@gmail.com; leave us a voicemail at 415-275-0030 Support the Pod: become a patron at patreon.com/Frotcast and get more bonus content than you could ever want, AND if you sign up for the Pod Yourself a Shoutout tier, you can bask in the glory of hearing your name on the podcast like this week's newest members: Snake Pliskin, Kuering or The Pod, Vito, Merril Lynch, The Reaper, & Big Posse.   -Description by Brent Flyberg.

The Jan 6th committee requests Ivanka Trump's cooperation. Donald Trump weighs double endorsements in close Senate races. Sarah Palin's defamation case against the New York Times is postponed. Thousands of Anti-Vaxxers descend on Washington D.C. The Supreme Court agrees to hear a challenge to affirmative action in college admissions. A male Karen is fired from his job at Merril Lynch after throwing a drink at smoothie shop employees. Co-Host: Francesca Fiorentini See acast.com/privacy for privacy and opt-out information.

Mike Duffy is the founder and CEO of Happiness Wealth Management and formerly an SVP of Wealth Management at Merril Lynch. He is a sought after speaker and top authority on both happiness and money. Yes, there are experts on happiness and experts on money, but not both. Everybody wants to be happy. Everybody wants to be financially secure. Why not learn the skills to both in one talk or workshop? They don't teach this in school! Your company's employees will laugh, think and be empowered to make positive changes in their life. Mike loves to encourage people that you can overcome any obstacle on your way to your greatest self. No matter what has happened in your past, you can rise above and gain victory. Employees will be better equipped to interact more compassionately with each other, which helps boosts morale and reduce turnover. Read more at: https://mikeduffyspeaks.com/Edward G. Reitler is a partner at Reitler Law, a New York-based full service boutique law firm that delivers responsive, high quality legal services to sophisticated business clients. Ed handles a wide variety of corporate matters including private equity, venture capital, mergers & acquisitions, fund formation, capital markets and joint- venture transactions. Ed is one of the leading venture attorneys in the northeast and has represented dozens of venture funds and their portfolio companies. Notable venture funds include Las Olas, Armory Square, Tishman Speyer Proptech, Spark Capital, FTV Capital, Safeguard Scientific, Edison Partners, Starvest, First Round Capital, Milestone Ventures, Tribeca Venture Partners, New Spring Capital, New and many others. Read more at: https://www.reitlerlaw.com/Evaguel Rhysing is the Founder and CEO of UAT (United Aircraft Technologies), a Sikorsky Innovations Award-Winning company that believes in the power of innovation and how it can keep humanity moving forward to further frontiers. The company continuously develops new technology that facilitates aircraft maintenance, improves aerospace safety, monitors wiring integrity, and increases fuel economy, collaborating with industry experts and leaders in order to develop a new class of aircraft parts designed to increase fuel savings, decrease payload, and improve operations and maintenance costs. Read more at: https://uairtek.com/ Visit https://passagetoprofitshow.com/​​​​​​​​ for the latest updates and episodes.

Mike Duffy is the founder and CEO of Happiness Wealth Management and formerly an SVP of Wealth Management at Merril Lynch. He is a sought after speaker and top authority on both happiness and money. Yes, there are experts on happiness and experts on money, but not both. Everybody wants to be happy. Everybody wants to be financially secure. Why not learn the skills to both in one talk or workshop? They don't teach this in school! Your company's employees will laugh, think and be empowered to make positive changes in their life. Mike loves to encourage people that you can overcome any obstacle on your way to your greatest self. No matter what has happened in your past, you can rise above and gain victory. Employees will be better equipped to interact more compassionately with each other, which helps boosts morale and reduce turnover. Read more at: https://mikeduffyspeaks.com/Edward G. Reitler is a partner at Reitler Law, a New York-based full service boutique law firm that delivers responsive, high quality legal services to sophisticated business clients. Ed handles a wide variety of corporate matters including private equity, venture capital, mergers & acquisitions, fund formation, capital markets and joint- venture transactions. Ed is one of the leading venture attorneys in the northeast and has represented dozens of venture funds and their portfolio companies. Notable venture funds include Las Olas, Armory Square, Tishman Speyer Proptech, Spark Capital, FTV Capital, Safeguard Scientific, Edison Partners, Starvest, First Round Capital, Milestone Ventures, Tribeca Venture Partners, New Spring Capital, New and many others. Read more at: https://www.reitlerlaw.com/Evaguel Rhysing is the Founder and CEO of UAT (United Aircraft Technologies), a Sikorsky Innovations Award-Winning company that believes in the power of innovation and how it can keep humanity moving forward to further frontiers. The company continuously develops new technology that facilitates aircraft maintenance, improves aerospace safety, monitors wiring integrity, and increases fuel economy, collaborating with industry experts and leaders in order to develop a new class of aircraft parts designed to increase fuel savings, decrease payload, and improve operations and maintenance costs. Read more at: https://uairtek.com/ Visit https://passagetoprofitshow.com/​​​​​​​​ for the latest updates and episodes.

Our guest today is Sharat Potharaju, co-founder and CEO of MobStac, a company he started over 12 years ago along with Ravi Pratap Madimsetty. Previously, he worked in investment banking at companies including Merril Lynch and Fieldstone Private Capital. Potharaju has a degree in chemical engineering from the Indian Institute of Technology, Madras, and a master's degree in technology management and entrepreneurship from Duke University

Richard Zeiger é sócio da MSW Capital desde 2008, gestora de Venture Capital especializada em atuar com grandes Corporações como o Grupo Algar, Microsoft, Banco Votorantim, Qualcomm, Monsanto, entre outros. Antes da MSW, passou por trade marketing na L'Oréal e pelo time de Global Wealth Management do Merril Lynch. Formado em Administração pela PUC-Rio e pós-graduado pela Universidade da Califórnia em San Diego ele é também conselheiro de algumas investidas como Tbit, Car 10, Voa Educação, Carflix e Olivia. Nesse papo uma conversa aberta sobre os bastidores da inovação nas grandes empresas, sobre o momento do ecossistema startup e o papel dos fundos de investimento. Descubra as melhores práticas e os porques algumas iniciativas são bem sucedidas e outras não. Imperdível!

It's amazing how many people wait till the last minute to do their holiday shopping. It's not like it's a surprise. It's as inevitable as the sunrise, yet they don't prepare in advance. Planning for your death is the same way. If there's one thing we all have in common, it's that one day, we're all going to die. Yet, according to a recent Merril Lynch survey, nearly half of Americans over 55 don't have a will. Eveyone should have essential estate planning documents. They're easy to find, cheap to produce and the whole process is faster and easier than Christmas shopping. That's what this week's "Money!" podcast is about: how to know what you need, how to find it and how much it costs. Even if you've already taken the necessary steps, listen to it anyway: It's a good refresher. Ready to get your house in order with the least possible hassle? This podcast is for you. As usual, my co-host will be financial journalist Miranda Marquit and our producer, sound effects guy and participant is Aaron Freeman. Want more information? Check out these links: 8 Documents That Are Essential to Planning Your Estate 17 States With Inheritance or Estate Taxes — or Both How to Create a Meaningful Legacy for Your Loved Ones Extreme Financial Makeover: 30 Moves in 30 Days What Happens to Your Email and Social Media After You Die? How Do I Choose an Executor for My Will? Should I Prepay My Funeral? Do I Really Need a Will? Is Fear of Death Hurting Your Retirement Nest Egg? Ask Stacy: Can I Put Together My Own Will? Have You Got The Power … of Attorney, That Is? Subscribe to the Money Talks News newsletter Take our The Only Retirement Guide You'll Ever Need course Take our Money Made Simple course Hosts: MoneyTalksNews MirandaMarquit.com Ask us a question Become a member: https://www.moneytalksnews.com/members/ See omnystudio.com/listener for privacy information.

La imagen del fiscal mártir fue devaluándose muy rápidamente, a partir de la aparición de pruebas irrefutables, sobre cuentas bancarias de Nisman en el exterior. Más de medio millón de dólares a nombre de su madre, su hermana y de Lagomarsino. Cuenta del banco Merril Lynch, en la que apareció un misterioso depósito de 150 mil dólares, de Damián Stefanini, el financista que desapareció el 23 de octubre de 2012. Y sus repetidos viajes a paraísos turísticos, siempre acompañado por jóvenes modelos...  

Bonus Phase. Episode 2. We're back for one more short bonus episode to talk about the rise of Marvel Studios. From its humble beginnings when it was purchased by Avi Arad and Toy Biz to the approval of David Maisel's pitch to take out a massive $525 million dollar loan from Merril Lynch, with the rights to characters as collateral. Holy crap! What did they do?! Don't worry. Pat Whalen walks you through the early years, while Michael Field provides zero insight whatsoever except trying to figure out how many people will end of playing Spider-Man when its all said and done. But we all know, Marvel Studios is only just beginning. You can find us on https://www.instagram.com/yetanothermcupodcast/ (Instagram) and we're also part of the https://www.forgottenentertainment.com/yet-another-mcu-podcast (Forgotten Entertainment family.)

Een mooi voorbeeld was het overmatige optimisme in januari. Vrijwel alle indicatoren stonden toen op rood. Dat leek een mooi moment om te verkopen. Maar de kudde liep gewoon nog even door. Beleggers trokken zich niets aan van het coronavirus. Dat zou waarschijnlijk wel met een sisser aflopen, dacht men, zoals destijds bij SARS. De S&P bereikte in februari nog bijna dagelijks nieuwe records. Van overmatig optimisme naar pure paniek Pas toen bleek dat het virus zich wel eens tot een pandemie kon gaan ontwikkelen, werden beleggers bang. Binnen no time draaide het overmatige optimisme om in pure angst en paniek. Daardoor stonden in maart alle sentimentssignalen weer op groen. Dan moet je dus aandelen gaan kopen. Maar dat is lastig, je gaat immers kopen terwijl de wereld in brand staat en iedereen je voor gek verklaart. En vervolgens dalen de koersen ook nog eens flink door. Luister ook | Opinie | Het gelijk van de kleine belegger Zelfs voor Elon Musk te duur De vraag hoe het er nu voor staat, is niet zo gemakkelijk te beantwoorden. Ja, er is speculatie. Zo is de beurswaarde van Tesla in een paar maanden geleden verdrievoudigd naar bijna 300 miljard dollar. Zelfs Elon Musk, toch een optimistisch man, vindt het aandeel te duur. Natuurlijk zijn er genoeg redenen om enthousiast over het bedrijf te zijn. Maar niet genoeg om te verklaren waarom de koers moet verdrievoudigen. Extreme speculatie in techhoek De extreme speculatie is vrijwel alleen in de hoek van tech- en biotechaandelen te vinden. In de brede markt zien we die speculatie niet terug. Institutionele beleggers zijn nog erg terughoudend. Volgens de meest recente enquête van Merril Lynch hebben deze beleggers een kaspositie van gemiddeld 4,9 procent. Dat is een stuk hoger dan normaal. En 71 procent van de ondervraagden denkt dat de aandelenmarkt overgewaardeerd is. Luister ook | Beurswatch: Beleggers, luister naar Buffet Particuliere beleggers voorzichtig Ook gewone particuliere beleggers zijn nog erg voorzichtig. Volgens de AAII (American Association of Individual Investors) zijn de meeste kleine beleggers somber gestemd. Daarentegen zijn de Amerikaanse beleggingsadviseurs juist erg enthousiast. En ook optiebeleggers kopen vooral call opties. Een teken van veel optimisme. Het ultieme verkoopmoment Uit deze diverse mix is het moeilijk om een eenduidig signaal te destilleren. Dat is jammer. Het ultieme verkoopmoment komt misschien pas als de sombere beleggers de handdoek in de ring gooien. Dan moeten we daar maar op wachten. Gelukkig heeft de eerste kandidaat zich al aangemeld. Het 2,8 miljard dollar grote hedgefund Lansdowne dat zich specialiseert in short posities stopt ermee. Nu de rest nog. Over de column van Corné van Zeijl Corné van Zeijl is analist en strateeg bij vermogensbeheerder Actiam en belegt ook privé. Reageer via: corne.vanzeijl@actiam.nl. Deze column kun je ook iedere vrijdag lezen in het FD.See omnystudio.com/listener for privacy information.

We zitten middenin het winstseizoen en de corona-schade valt eigenlijk wel mee. Maar beleggen is vooruitzien en het is zo goed als zeker dat de grote klap vooral in het tweede kwartaal komt. De vraag is: hoe groot? Veel strategen wijzen naar de winstschattingen die analisten hebben staan en waarschuwen dat ze veel te hoog zijn. Ja, logisch, als ik een inschatting moest maken, zou ik ook even rustig aan doen. In de huidige omstandigheden is dat geen doen. Ze wachten de storm wel even af en nemen dan de schade op. Dossier | Coronavirus In het duister Ook economen tasten in het duister. Uit een recent onderzoek van Merril Lynch bleek dat de range van schattingen voor de economische groei nog nooit zo ver uit elkaar heeft gelegen. Sommige economische weermannen voorspellen dat deze storm snel voorbij trekt en de schade wel mee zal vallen, andere denken dat het economische leed onherstelbaar groot zal zijn. Bedrijven trekken dan ook massaal hun verwachtingen voor het hele jaar in. Het lijkt een soort standaard disclaimer onder de kwartaal berichten geworden. Bedrijven hebben geen flauw benul wat de toekomst gaat brengen. Toch wil je als belegger een beetje gevoel hebben waar de winstbodem ergens ligt. Laat ik eens een wilde poging doen. Let wel, het heeft een hoog natteduimgehalte. De oeroude Amerikaanse ISM-index is altijd een goede basis. Op 1 mei wordt dit cijfer gepubliceerd. We kunnen op basis van de regionale inkopers-indices uit New York en Philadelphia alvast een schatting maken. De ISM-index zal rond de 30 uitkomen. Lees ook | Liveblog Coronacrisis Dergelijke standen komen alleen in een echte zware crisis voor, zoals de oliecrises van 1974 en 1979 en tijdens de kredietcrisis van 2008. De winsten van het wereldwijde beursgenoteerde bedrijfsleven daalden toen ruim 40 procent. Het lijkt logisch dat we ook dit keer van een dergelijke winstcrash uit kunnen gaan. Het is een grove benadering maar dan weet u het maar alvast. De vraag blijft natuurlijk als deze winstcrash voorbij is, wat is de permanente schade die het bedrijfsleven als gevolg van de Corona storm heeft opgelopen. Dat bepaalt namelijk de echte lange termijn schade in de koersen. Over de column van Corné van Zeijl Corné van Zeijl is analist en strateeg bij vermogensbeheerder Actiam en belegt ook privé. Reageer via: corne.vanzeijl@actiam.nl. Deze column kun je ook iedere vrijdag in het Financiele Dagblad lezen.See omnystudio.com/listener for privacy information.

In this episode, Joe shares his non-traditional path from a non-target school (University of Wisconsin) to breaking into investment banking at Merril Lynch right before it was acquired by Bank of America. Perhaps more impressive than that feat was his ability to land a highly competitive buyside associate role straight into Bain Capital Ventures and then break into Harvard Business School a few years after that. His latest move was to pivot after several years at Samsung's venture arm to found his own venture capital firm. Not surprisingly, that is also going well for him...learn what he thinks set him apart and why he spent an extra year in college.

In this episode of the Future 1 webshow & podcast, we meet Greg Lewin from the Lewin Family Office. Previously he advised a large family office, and then at TLF Capital, he focused on capital raising, stock selection, portfolio design, performance. He is a regular panelist discussing the 2008 economic crisis held at the Cornell Club of New York, along with writers from The WSJ, The Economist, and CNBC, hosted by Myron Kandel. In the past, he ran the equities business at sailfish capital partners , raised the institutional capital, was a portfolio manager at Neuberger Berman, ran tech & telecom investing at Charter Oak Partners, and worked in tech at both Merril Lynch & IBM. He's also an author, speaker & strategist for the Kenya project. We talk about expectations in life, investing, what wealth really means, and why risk is when you feel the most alive. The material contained on this web series & podcast is for informational purposes only and should not be construed as an offer or a recommendation to buy or sell any security nor is it to be construed as investment advice. music credits: Clouds by MBB | https://soundcloud.com/mbbofficial , Music promoted by https://www.free-stock-music.com , Creative Commons Attribution-ShareAlike 3.0 Unported , https://creativecommons.org/licenses/by-sa/3.0/deed.en_US IMPORTANT NOTICE: This web series and podcast is intended for informational purposes only. The views expressed are not, and should not be construed as, investment advice or recommendations. Recipients of this should do their own due diligence, taking into account their specific financial circumstances, investment objectives and risk tolerance (which are not considered in this web series and podcast) before investing. None of this information communication is an offer, nor the solicitation of an offer, to buy or sell any of the assets mentioned herein. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/joelpalathinkal/support

Rubén Segura-Cayuela, economista jefe para Europa de BofA Merril Lynch ha sido el protagonista de la entrevista Capital. Luego en tertulia han intervenido María José Villanueva, vicepresidenta imagen y comunicación en la asociación española de ejecutivas y consejeras; Carmen Morales, profesora del IE Business School y Fernando Zunzunegui, abogado y profesor. Además ha participado para analizar las elecciones griegas Irene Martín Cortés, profesora de Ciencia Política en la Universidad Autónoma de Madrid

Com mais de 27 anos de experiência no mercado financeiro, já atuou por diversas empresas líderes deste segmento como Merrill Lynch e American Express. Atualmente é Empreendedora, fundou a FEMALE CONSULTING, com foco em ajudar mulheres a entenderem de investimentos, estratégia e gestão de investimentos e ativos. É VP da ONG Naamat Pioneiras SP e membro do Grupo Mulheres do Brasil (www.grupomulheresdobrasil.com.br) e de Empoderamento e Liderança Feminina da Fisesp Liderança Financeira e feminina por Sheila Szymonowicz Sheila, o Brasil é destaque em liderança financeira feminina conforme um mapeamento mundial de investidoras do UBS Investor Watch. Dentre os países analisados, as brasileiras aparecem ao lado das mexicanas como aquelas com as maiores taxas de liderança ou na divisão com seus parceiros das decisões financeiras familiares. Fonte: https://www.valor.com.br/financas/6148127/brasil-e-destaque-em-lideranca-financeira-feminina-diz-estudo Qual a relação entre liderança, liderança feminina e liderança financeira? Na pesquisa, o UBS identificou que 93% das mulheres que delegam a liderança financeira para os seus maridos no Brasil, têm esse comportamento por acreditar que eles entendem mais desse assunto do que elas. Afinal, quem entende mais de liderança financeira? Você contou que na época que trabalhou para o Merril Lynch, era uma entre as únicas 4 mulheres que trabalhavam no seu andar. Como você se destacou nesse setor? Qual a importância da independência financeira feminina? Na sua visão, como o empoderamento feminino está relacionado com o empoderamento financeiro? Como e por onde uma pessoa que não entende nada deste universo, pode começar? E para quem já entende um pouco mais do assunto, qual o cenário atual da economia e o que você recomendaria para quem lidera sua vida financeira? Você é uma militante pela liderança feminina. Como este assunto entrou na sua vida?

There are 4 key components to every successful business, no matter the type or industry: Revenue, Marketing, Sales and Team. Today’s guest, Allison Maslan, designed the blueprint that enabled her to build 10 successful companies in 10 completely different industries on these four key principals. Listen and learn how simple business success really can be, when you break it down to it’s bare structure. Also get some great free information at http://estierand.com/43 (estierand.com/43) such as Allison’s 17 Scale Strategies and other gifts.   Teaser:  https://www.estierand.com/wp-content/uploads/2018/12/Allison-Maslan-Teaser-V1a.mp4 (https://www.estierand.com/wp-content/uploads/2018/12/Allison-Maslan-Teaser-V1a.mp4)   My Guest: Allison Maslan Allison Maslan, CEO of Allison Maslan International, has built ten successful companies, starting out at age 19. Her client list has included Ben & Jerry’s, Merril Lynch, Supercuts and Charlotte Russe. Allison is the #1 best-selling author of “Blast Off”, as well as her upcoming book “Scale or Fail: How to Build your Dream Team, Explode your Growth and Let your Business Soar.” Allison is also the host of a weekly video podcast, “Allie & You”. She’s been a world-renowned homeopathic physician for 20 years, a flying trapeze artist for 18, and appears in the award-winning documentary, “Inspired by 11.”   Pivotal Moments: Grew up in Oklahoma in an entrepreneurial family where she learned that if you want something, you go create it yourself. Got a job which lasted just two weeks because she couldn’t get passionate about other people’s dreams. Started her first business making greeting cards for companies, as a 19-year-old college student. Landed some corporate accounts and grew the business by the seat of her pants, but didn’t understand how to scale or delegate. Became trapped in the business working 24/7 with no life of her own. After 7 years in business and a serious car accident which she was lucky to survive, she gave the business to her partner for almost nothing and simultaneously walked away from a difficult marriage. Took a year to reflect and write a blue-print for how to build a successful company. Discovered homeopathy through her own personal healing and opened a homeopathy practice which lived through two decades. Built eight more companies in eight different industries including a full service advertising and PR firm, scuba diving certification business, real estate agency and a jewelry import and manufacture company. Now runs Pinnacle Global Network, which directs and guides business owners and CEO’s all over the world.   The Advice: If you understand business, you can apply that knowledge to every industry. Every business owner has the same four areas they need to work with: Revenue, Marketing, Sales, Team (time management/leadership). Gather knowledge in these areas and then customize and tweak it to fit whichever industry you are working in. Growing vs. Scaling Growing: The start of your business when you really need to focus on sales. Growing involves getting clear on who your target market is, your avatar, getting your revenue streams figured out and bringing in the sales to bring in the cash. Scaling: When you’ve reached your bandwidth. Scaling involves figuring out the right scale formula to use. In Allison’s new book, Scale or Fail, she outlines 17 scale strategies (find the link to a free download below) of which you pick one or two to scale your business. Scale Acronym Strategic Vision: Know where you are going and get your whole team on board. Cashflow: Big numbers doesn’t mean an endless cashflow – you still need to plan it carefully. Alliance: It’s all about your team once your business starts to grow beyond you. Leadership: Shifting from being a boss to being a leader – from...

The past few weeks we've been giving you all a more in-depth look at who we are as individuals. This is the last installment of our 3 episodes focusing on us as hosts. (1:51) Lawyers get Shot Everyday, B. You'll be Aight! (Cam'ron Voice) For those not of the culture, it's a Paid in Full/Cam'ron/Uncle Murda reference. We start off talking about how dangerous it is being a family law attorney. There are many instances where lawyers have been attacked, shot, and/or killed by former clients or former ex-spouses. Dealing with divorces, child custody, and money brings out the worst in people... sometimes making them dangerous. (7:22) Ann gets "Pulled Up" on after a court appearance! Dan in typical Dan fashion tells the story of how Ann represented a woman in a divorce case and WASHED the ex-husband in court. She took half of everything he owned, including things that you typically wouldn't lose in a divorce. The ex-husband was so angry that he followed Ann for the rest of the day as she ran errands, followed her to family member's homes, and finally confronted her as she parked in her driveway. Luckily all he wanted to do was yell at her because that situation could've ended a lot worse. (24:35) We interview Ann about: Why she became a lawyer, college and law school, taking the bar exam, how she hangs the toilet paper, her time spent at the Law Clinic, and more! She also talks about her time working for Merril Lynch climbing the ladder of success, only to realize she wanted to break families up instead. --- Support this podcast: https://anchor.fm/blacklawpodcast/support

- Big banks and their conscious-free approach to money. - One of the biggest challenges for Bank of America managers. - The substantial shift to passive investment strategies. - Is the best way to slow or reverse the ship by generating alpha? - Recommendations from Bank of America that investors can perform. - Return volatility and buying the riskier stocks. - Stock Picker’s Paradise: Is that a real place or just a song? - Why Bank of America wants you to “Take the road less travelled.” - Extend your time horizon: Why short-term trading hurts returns. - Do active managers do well in down markets? - Find out why having one retirement fund makes sense. - A look at the stats: How many traders really outperform? - Why we are yet to find a reliable track record of long-term performance. - Stock market investors versus gamblers. - Why Warren Buffet isn’t as good as you think. Vestory — [https://vestory.com/](https://vestory.com/) National Association of Broadcasters – [https://www.nab.org/](https://www.nab.org/) Bank of America – https://www.bankofamerica.com/ HSBC Bank – [https://www.us.hsbc.com/](https://www.us.hsbc.com/) Dirty Money – [https://www.imdb.com/title/tt7889220/](https://www.imdb.com/title/tt7889220/) Savita Subramanian – [https://www.linkedin.com/in/savita-subramanian-87034/](https://www.linkedin.com/in/savita-subramanian-87034/) Merril Lynch – [https://www.ml.com/](https://www.ml.com/) Morgan Stanley – [http://www.morganstanley.com/](http://www.morganstanley) _Bank Of America Outlines Tips Investors Can Use To Beat The Market_ – [https://www.cnbc.com/2018/05/25/to-beat-the-market-bank-of-america-outlines-these-tips-for-investors.html](https://www.cnbc.com/2018/05/25/to-beat-the-market-bank-of-america-outlines-these-tips-for-investors.html) Money Thirty Podcast — [https://www.moneythirty.com/](https://www.moneythirty.com/) Warren Buffet – [https://www.forbes.com/profile/warren-buffett/](https://www.forbes.com/profile/warren-buffett/) Fama & French – [https://www.investopedia.com/terms/f/famaandfrenchthreefactormodel.asp](https://www.investopedia.com/terms/f/famaandfrenchthreefactormodel.asp) Vanguard — [https://investor.vanguard.com](https://in) Real Investing Journal — [https://www.realinvestingjournal.com/](https://www.realinvestingjournal.com/) _The Secret to Beating the Stock Market, According to Vanguard Experts –_ [http://time.com/money/4683900/vanguard-active-funds-beat-the-market-index-funds/](http://time.com/money/4683900/vanguard-active-funds-beat-the-market-index-funds/)

In this episode I talk about how colleges are helping student athletes create their personal brands. For example, Ohio St's creative media department is working with their football student athletes to help build a personal brand. I discuss why former number 1 NBA draft pick Kwame Brown is suing Merril Lynch, Bank of America, and former financial advisor. I also share some tips on how you can avoid Kwame Brown's current dilemma. Lastly, I make a quick shoutout to Christian Wilkins who decided to stay another year at Clemson and pursue his masters while working as a substitute teacher to help increase his draft stock instead of rushing to the NFL. Also acknowledge some more athletes who have taken it upon themselves to invest in their education and finish what they started. --- Support this podcast: https://anchor.fm/afrugalathlete/support

Merry Christmas! We are taking a little vacation this week so we wanted to get you inspired to binge watch one of our favorite shows over Christmas break. Actor Andy Buckley from The Office shares his story of landing the role of David Wallace, balancing life as a real life financial advisor at Merril Lynch while being the CFO of the fictional Dunder Mifflin and the joy of getting 10 second parts in movies. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Actor Andy Buckley from The Office shares his story of landing the role of David Wallace, balancing life as a real life financial advisor at Merril Lynch while being the CFO of the fictional Dunder Mifflin and the joy of getting 10 second parts in movies. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

This week we talk to Ann Lu, a senior yoga instructor at Space Yoga. We talk about how she started teaching yoga in New York after quitting her corporate job at Merril Lynch, how yoga has been a positive force in her life, and yoga here in Taiwan.

This week we talk to Ann Lu, a senior yoga instructor at Space Yoga. We talk about how she started teaching yoga in New York after quitting her corporate job at Merril Lynch, how yoga has been a positive force in her life, and yoga here in Taiwan.

Karthik Sridharan is the Founder & CEO @ Kinnek, the platform which empowers small business owners to take control of their purchasing operations. Kinnek have been crushing it lately and have raised funding from some of today’s leading investors including Matrix, Thrive, Version One, Naval Ravikant and many more incredible names. As for Karthik, prior to Kinnek he was the lead architect of research systems at the hedge fund, AQR and before that spent time at the likes of JP Morgan and Merril Lynch.   In Today’s Episode You Will Learn: 1.) How Karthik made the transition from hedge funds to founding Kinnek? 2.) How does Karthik view market networks as opposed to marketplaces? What are the differences and where would he position Kinnek? 3.) Is GMV the sole metric that marketplace founders should focus on? How does GMV affect Karthik's few on take rate, transaction size and frequency? What other metrics should marketplace founders be measuring themselves against? 4.) How does Karthik view the competitive landscape with the likes of Alibaba in the space? Is expansion into Asia part of upcoming plans for Kinnek? How will Karthik approach that? 5.) Kinnek has raised funding from the likes of Thrive, Matrix and Version One. How did Karthik find the fundraising process? What did he do well and what would he improve on for the C round? Items Mentioned In Today’s Show: Karthik’s Fave Book: The Code Book by Simon Singh Karthik’s Fave Blog: On Startups, Tom Tunguz As always you can follow Harry, The Twenty Minute VC on Twitter here! Likewise, you can follow Harry on Snapchat here for mojito madness and all things 20VC. Angelloop is the leading post funding management platform for private market investors and their portfolio companies. They help investors manage and track their portfolio companies on the cloud while providing them with access to their investments performance data. Angelloop helps founders of startups track their performance, manage their cap table and keep their investors in the loop. Investors get free access while their portfolio companies pay only $49/Month. Use or share the promo-code 20MinVC to get your portfolio companies online with a two month trial. This episode was supported by Wunder Capital, the leading online investment platform that allows individuals to invest in large scale solar projects across the U.S. Wunder’s solar investment funds allow you to earn up to 11% annually, while diversifying your portfolio, curbing pollution and combating global climate change. Do well by doing good and sign up for a free account here and join the thousands of people that are already achieving their investment targets.

Aunt Ruthie goes to the mall to get her picture taken with Santa. The Question of the Day involving meat. A helpful Pavement Pounder gets dirty, and strange Xmas carol lyrics. Carol in my Merril Lynch!!! Learn more about your ad choices. Visit megaphone.fm/adchoices