Podcasts about Ra

Seven weeks out from an election that in many ways is a referendum on culpability for October 7th, Benjamin Netanyahu tells Channel 14 that if only they had woken him earlier that fateful day, everything would have been different — and his wife goes considerably further about Yair Golan, a man who drove towards the gunfire that morning and saved lives. Yonit and Jonathan take Mrs Netanyahu's accusation apart, then turn to the week's most improbable story: Yoav Segalovich, a Jewish former police commander, joining Mansour Abbas's Islamist party - because the crime wave destroying Israel's Arab communities needs someone with a proven ability to fix it. Plus a Channel 13 poll that should worry the anti-Netanyahu bloc; Britain's expected ban on trade in goods linked to the West Bank - and why Greece and Finland moved in the other direction.Our Chutzpah award goes to a perennial winner with a new map, and the Mensch of the Week award is split three ways between brothers. 00:00:00 a US-Iran war nobody is calling a war 00:03:39 Netanyahu on Channel 14: if only they had woken me up 00:08:03 Yair Golan, October 7th, and a smear the hosts reject 00:14:26 Netanyahu's advisors, the pool party and the Qatar accusations 00:17:50 The Channel 13 poll and the shape of the Israeli right 00:22:54 Yoav Segalovich joins Mansour Abbas and Ra'am 00:30:27 Abdul El-Sayed in Michigan, Ron Dermer and the hostage families 00:35:39 Britain, the E1 corridor, and why Greece and Finland moved 00:39:09 Chutzpah of the Week and Mensch of the Week

La opinión de Raúl Varela, este jueves en La Tribu, sobre la situación de Raúl Asencio y las polémicas extradeportivas que le rodean.See omnystudio.com/listener for privacy information.

LA TRIBU (08:00-09:00): La F1 con Cristóbal Rosaleny y Raúl Asencio vuelve a estar en el focoSee omnystudio.com/listener for privacy information.

José Manuel Oliván, Javi Lázaro, Alberto Santacruz, Selene Melián, Irene Junquera y Pepe Pasqués han sido los tertulianos de este jueves en La Tribu, patrocinada por Sportium durante esta temporada, para analizar la situación de Raúl Asensio, el futuro de Julián Álvarez y la previa de la cuarta jornada de LaLiga.See omnystudio.com/listener for privacy information.

SPONSORS: Right now, when you buy two months of BlueChew Gold, you get the third for FREE with promo code YMH. https://bluechew.com Find your next fall favorites at Quince. Download the Quince app for app-exclusive offers, or go to https://Quince.com/MOM. Get free shipping on your order and 365-day returns. Now available in Canada and the UK, too. Sign up for your free trial at https://shopify.com/ymh Tom is off this week, so Christina is joined by the one and only Ian Fidance, host of Ian Do on YouTube, on the road every week for the rest of the year, tickets at https://IanFidance.com. Ian arrives with flowers and a full divorce care package to usher Christina into the dating world, which leads to a conversation about the sleazebag starter kit he should be selling on tour, the darts she's allowed to rip now, and the gout-into-kidney-stones saga that put Ian on a Montreal hotel floor an hour before a taping. Then it's clip time: the horny cowboy is back with tips nobody asked for, a long-overdue update on Tony Johns and his homeless era, the whistling man who has genuinely figured out life, and a piss gadget that raises real questions. Ian pitches the only logical next step, move every cool guy into one house, with Christina as the RA handing out chores and taking away privileges. Also: a spy explains how important mouth stuff is in espionage, Christina finds out what dating requires in 2026 versus 2005, the suitor hotline delivers three voicemails and one very promising mechanic named Chris, Ian gets choke slammed at AEW, and a QVC host says something beautiful without realizing it. Enjoy! Your Mom's House Ep. 875 https://tomsegura.com/tourhttps://christinap.com/https://store.ymhstudios.comhttps://www.reddit.com/r/yourmomshousepodcast Chapters 00:00:00 - Intro00:02:01 - The Divorce Care Package00:04:41 - Ian's Gout Turned Into Kidney Stones00:07:54 - Opening Clip: The Horny Cowboy Rides Again00:15:08 - Tony Johns Update00:21:37 - Ralph The Whistler Update00:26:25 - Clip: Pissing Gadget00:27:01 - The YMH Cool Guy House00:30:51 - Clip: Russian Spy Tips00:36:30 - The Horny Hotline00:43:32 - Ian Do00:44:31 - TikToks00:49:35 - Wrap Up Learn more about your ad choices. Visit megaphone.fm/adchoices

A decade on from her breakthrough, Jorja Smith reflects on growing up in the public eye, staying independent and turning towards the dance floor. Jorja Smith's career took off in 2016, when "Blue Lights" introduced her voice to a global audience. In the 10 years since that single went stratospheric, the Walsall-born artist has released three albums, collaborated with Drake, Burna Boy, Wizkid and Ezra Collective, and built an international career without ever signing to a major label. Her third album, What Are The Odds, marks a new chapter, as she turns towards the dance floor. Made entirely with producer P2J, the record draws from a broad palette of sounds, including UK garage, funky and Afro house—extending a run of summer-dominating, club-smashing collaborations with the likes of Nia Archives ("Little Things (Remix)") and Preditah ("On My Mind.") Smith has described it as music to make people move, and she'll take the tracks to London's O2 Arena next summer for the first headline show at the venue of her career. In this Exchange, Smith talks to RA's Content Product Lead Antonia Odunlami about growing up in the public eye, moving back to Walsall after London became too much and protecting the parts of herself she wants to keep private. She also discusses remaining independent, learning to set goals and how she curated her recent All Points East set. Listen to the episode in full. @jorjasmith

Welcome back to Aquarium Drunkard Transmissions with Jason P. Woodbury. This week, we've got something extra special: a behind the scenes look at the forthcoming documentary, Sun Ra: Door of the Cosmos, a sonic cinema odyssey through the life, work and philosophy of the surrealist composer and musician.  In addition to a conversation with director Drew DeNicola, who you may know from the 2012 doc Big Star: Nothing Can Hurt Me, this episode will present archival material gathered for the film, including interviews and statements from Ra himself, rare recordings of the Sun Ra Arkestra in action, and previous Transmissions guest Camae Ayewa, also known as Moor Mother, reading from Sun Ra's book of poetry, The Immeasurable Equation.  The documentary has ⁠launched a Kickstarter campaign⁠ to raise finishing funds that will run for the month of September, offering unique array of premiums at all donation levels, including a selection of vinyl recordings from the Modern Harmonic label, and limited edition t-shirt and large format art prints from legendary jazz photographer, Veryl Oakland. Now, settle in as we explore the Sun Ra's esoteric ideas, hear his singular voice, and explore the Arkestra's vast lore and history. Crack open this door of the cosmos and enter in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Saskia Niño de Rivera conversa con Alex, quien llegó en una conferencia, frente a más de cien personas, alzó la mano y me dijo que era sobreviviente de uno de los secuestradores que había entrevistado en prisión: Raúl Marroquín. El hombre que operaba en la Zona Rosa de la Ciudad de México, que engañaba hombres homosexuales para secuestrarlos y asesinarlos, y al que México, sus medios y su sistema de justicia decidieron convertir en un chiste. 00:00:00 - 00:06:20 La revelación 00:06:20 - 00:17:07 El monstruo humanizado 00:17:07 - 00:25:00 La burla que no perdona 00:25:00 - 00:58:36 Culpa, exilio y silencio 00:58:36 - 01:04:48 Reconstrucción y perdón Alex tenía 21 años cuando fue vendado, encadenado, sometido a violencia durante días en completa oscuridad. Sobrevivió cuando casi ninguno de sus víctimas lo hacía, pero lo que vino después fue, en muchos sentidos, igual de brutal: ver cómo el país entero se reía del caso en televisión, escuchar cómo le daban tribuna al asesino para decir que le hacía un favor a la sociedad, y descubrir, desde el exilio, que su sufrimiento simplemente no importaba porque era gay. En este episodio de Sobrevivientes hablamos de lo que significa sobrevivir dos veces: al crimen y al silencio. De la culpa que cargan quienes vivieron algo que nunca buscaron, de lo que le hace a una persona crecer sabiendo que la sociedad hubiera preferido no enterarse y de cómo, a pesar de todo eso, Alex eligió reconstruirse. ¿Quieres ver los episodios antes que nadie? Obtén acceso 24 horas antes aquí: https://www.youtube.com/channel/UC6rh4_O86hGLVPdUhwroxtw/join Visita penitencia.com Síguenos en: https://instagram.com/penitencia_mx https://tiktok.com/@penitencia_mx https://facebook.com/penitencia.mx https://x.com/penitencia_mx Spotify: https://spotify.link/jFvOuTtseDb Apple: https://podcasts.apple.com/mx/podcast/penitencia/id1707298050 Amazon: https://music.amazon.com.mx/podcasts/860c4127-6a3b-4e8f-a5fd-b61258de9643/penitencia Redes Saskia: https://instagram.com/saskianino https://tiktok.com/@saskianino https://x.com/saskianino Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jorja Smith's career took off in 2016, when "Blue Lights" introduced her voice to a global audience. In the 10 years since that single went stratospheric, the Walsall-born artist has released three albums, collaborated with Drake, Burna Boy, Wizkid and Ezra Collective, and built an international career without ever signing to a major label.Her third album, What Are The Odds, marks a new chapter, as she turns towards the dance floor. Made entirely with producer P2J, the record draws from a broad palette of sounds, including UK garage, funky and Afro house. Smith has described it as music to make people move, and she'll take the tracks to London's O2 Arena next summer for the first headline show at the venue of her career.In this Exchange, Smith talks to RA's Antonia Odunlami about growing up in the public eye, moving back to Walsall after London became too much and protecting the parts of herself she wants to keep private. She also discusses remaining independent, learning to set goals and how she curated her recent All Points East set.Listen to the episode in full. Hosted on Acast. See acast.com/privacy for more information.

My loves, I have some big work updates and honestly, I feel like I'm getting my spark back! After leaving my tech startup and navigating burnout, I needed to work on my own, slow down, and create space to heal. Those boundaries served me so well. But lately, I've been craving something different: collaboration, in-person community, and being part of building things alongside other people. In this solo episode, I'm sharing what that looks like—from becoming Growth Partner at The Hivery to helping my husband Raúl grow Eco Experience, alongside my coaching business and writing my book. And with all this excitement comes a very real question: how do I make room for more while still taking good care of myself? We're talking about:- Finding my way back to the ambitious, excited version of myself- How joining a community opened the door to an unexpected opportunity- Recognizing my personal signs that things are becoming too much- The everyday practices helping me navigate a fuller season- A powerful question: “What is your business asking of you?” I don't have it all figured out. This is an honest glimpse into a season of growth, recalibration, and learning to trust myself as things change. If you're feeling ready for more but wondering how to do it differently this time, this one is for you! And if there's something you'd love to hear more of on the podcast, send me a DM. I'd love to know.

Ceuta vive su día autonómico con preocupación por la saturación migratoria y la falta de recursos de acogida. El Gobierno anuncia ayudas económicas para pymes y autónomos de la ciudad autónoma. El inicio del curso universitario evidencia el encarecimiento del alquiler, con subidas de hasta el diez por ciento en ciudades como Málaga o Barcelona que dificultan el alojamiento estudiantil. En deportes, el Atlético de Madrid incorpora a Jonathan David y el Betis confirma el regreso de Dani Ceballos. Además, el jugador madridista Raúl Asencio afronta la retirada del carnet de conducir por superar la tasa de alcohol. El actor Ricardo Darín habla sobre su obra de teatro en Madrid, la vida familiar y los lazos culturales que unen a España y Argentina. En tecnología, la expectación por el videojuego GTA 6 muestra la transición hacia el formato digital y abre un debate sobre la ciberseguridad y el uso adictivo de las redes sociales.

Tim leads the community in a musical exploration of joy, arguing that after so many nights spent on hardship and catalyst, we have earned an evening of levity. Opening with the question are you happy? and a story about three sons who each try to buy their mother's happiness, he establishes that no gift cannot become a burden and no burden cannot become a gift. He then reframes joy itself: drawing on Doug's earlier teaching on the rhythm of being — emanation filled with yearning, return filled with longing, reunion filled with rejoicing — Tim proposes that the entire circulation of beingness occurs in the medium of joy, and that joy is being itself. What we seek when we seek joy is our own essence, sounded at our own unique frequency. The musical frame carries the evening. A single note on a staff stands for one incarnation; strung across lifetimes it becomes a melody. Played all at once it would be noise — which is why time is a gift, metering the score so it can be enjoyed in stages. Tim goes to Ra's counsel on revitalization (meditation, acceptance of limitations, joy through association with others and the beauty as of the singing, and contact with second-density life, especially trees) and then to Ra's musical language for chakra work: balance, tuning, and harmony. He develops each through musical analogy — the imbalanced orchestra, the guitar that must be tuned daily, the choir that sings in harmony rather than unison — and lands on Ra's description of the mind/body/spirit complex as a tone poem rather than a machine. The session's metaphysical core is sympathetic resonance: Ra's statement that the linkage between certain sound vibratory complexes and the creation is mathematical, or that of the ratio, and may be considered musical — and that when certain sounds are correctly vibrated, the creation sings. Tim examines 432 Hz and the 136.1 Hz frequency associated with Om, tracing the latter's derivation from the Earth's orbital period, and plays it on a Tibetan cymbal. He closes with transposition: keys can be changed, the Earth is changing key into fourth density, and we are here as co-composers to make the song our own. Rather than describe this, he performs it — singing his own rewritten lyrics to "One Song" from Snow White. Community reflections follow on the necessity of time for experience, sympathetic resonance as spiritual attraction, the harmonic series and the densities, tuning forks and daily practice, and perichoresis as the circle dance of the Creator. Key References Ra, Session 25.2 — Carla's question on how best to revitalize herself; Ra names meditation, acceptance of limitations, experiences of joy through association with others and with the beauty as of the singing, and exercise with contact with second-density life forces, especially trees. Ra, Session 54.8 — The precision of energy-center alignment lies in fluid and plastic placement rather than systematic arrangement; the mind/body/spirit complex is not a machine but what you might call a tone poem. Ra, Session 54.15 — Beyond activating each energy center, it is a priority to refine the balances so that each tone of the chord of total vibratory beingness resonates in clarity, tune, and harmony with each other energy; this balancing, tuning, and harmonizing is most central to the adept. Ra, Session 75.26 — The linkage between Hebrew and Sanskrit sound vibratory complexes and the creation is mathematical, or that of the ratio; it may be considered musical. Ra, Session 75.27 — Sympathetic resonance: when certain sounds are correctly vibrated, the creation sings. Q'uo — Joy as a living energy, as powerful and effective a teacher as sorrow. (Quoted by Tim from a Q'uo channeling; source session not verified against project files.) Ephesians 5:18–19 — Be filled with the Spirit, speaking to one another in psalms, hymns, and songs from the Spirit. Isaiah — Songs of everlasting joy. John Stuart Mill — Ask yourself whether you are happy and you cease to be. Joseph Campbell — Follow your bliss. Alan Watts — Rushing toward enlightenment as telling the conductor to play the concert too fast. Hans Cousto — Derivation of 136.1 Hz (C-sharp) from the Earth's orbital period. Doug's teaching on the rhythm of being — Emanation, return, and reunion; the circulation of beingness occurring in the medium of joy. Doug's three faces of joy — Joy at the precipice of creation, joy in creating, joy in experiencing. Music discussed: "Over the Rainbow" (Harold Arlen), transposed from A-flat to G by Israel Kamakawiwoʻole; "One Song" from Snow White, performed by Tim with original rewritten lyrics. Coming Up Next Week: DeMarcus presents on Yahweh — who they are, their involvement with our planet from the beginning of third density, the Martian transfer, the Exodus and the Israelite narratives, and what continues today.

Raúl Asencio, condenado por conducir ebrio. Presentación de Jonathan David. Resumen del último día del Mercado de Fichajes. Vuelta a España. US Open. 

La opinión de Raúl Varela, este miércoles en La Tribu, sobre la estrella en este mercado de fichajes: José Mourinho.See omnystudio.com/listener for privacy information.

Comenzamos la nuevas temporada del programa con mucho cambio en nuestras vidas, pero con la esencia de siempre en el programa. Una turra que roza la hora y el análisis de los últimos clasificados, así como la clásica porrita. Con David Usuario Arroba de invitado. ¡Apóyanos dándole a like, campanita y comentando! ¡Y suscríbete! ¿Quieres escuchar todos nuestros podcast en iVoox? https://www.ivoox.com/podcast-paquetes_sq_f1856265_1.html Suscríbete al Balón de Oro de Raúl: https://www.ivoox.com/escuchar-balon-oro-raul_nq_1168582_1.html Si estás interesado en patrocinar uno de nuestros programas, escríbenos a la siguiente dirección eranmuymaloseranpaquetes@gmail.com

On Episode 667 of Spittin' Chiclets, the boys break down the Metropolitan Division with help from some special guests; Jody Shelley, Colby Armstrong, Spencer Carbery, and Sunny Mehta. This is an episode you won't want to miss. 00:00:00 - START 00:00:31 - Chiclets Updates 00:23:43 - Around the League 00:51:53 - Rangers & Islanders 01:13:28 - Spencer Carbery/Caps 01:57:35 - Hurricanes 02:04:38 - Colby Armstrong/Pens + Flyers 02:42:22 - Sunny Mehta/Devils 03:40:02 - Jody Shelley/CBJ 03:57:01 - RA's World Support the Show: PINK WHITNEY: Go get a bottle of Pink Whitney. Pinkies UP! RHOBACK: Go to https://Rhoback.com and use code SPITTIN for 20% off your first order. SHELL: Shell V-Power® NiTRO+ Premium Gasoline. More power. More performance. In gasoline direct injection engine fuel injectors with continuous use of Shell V-Power NiTRO+ Premium Gasoline. Compared to lower octane fuels. Actual effects and benefits may vary according to vehicle type, driving conditions and driving style. See shell.us/more for more details. DRAFTKINGS: So head to the app store now, download DraftKings Casino, and use code CHICLETS to get started. Then play five to unlock ONE THOUSAND total spins over your first twenty days. Spin your way on DraftKings Casino. The Crown is Yours. In partnership with DraftKings Casino.You can find every episode of this show on Apple Podcasts, Spotify or Netflix. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/schiclets

Ya inició Septembaaaaaaaa!!!! El nuevo Presi del Senado promete hacer guardar la 'confusión' política de México, arrancamos bien. Y trás la reaparición de Enrique Inzunza... las reacciones. ¿Santi Giménez al Mónaco, Raúl Jiménez jugará con los 49ers y Erik Lira regresa al América? Algo así en la sección deportiva. Se acercan unos productos anticonceptivos masculinos revolucionarios, acá les contamos. Y Noel Schajris cuenta cómo creían que él era el "muerde almohadas" de la pareja. 

Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. Editor David Horovitz joins host Amanda Borschel-Dan for today's episode. Ruling out a nuclear option, US President Donald Trump on Monday vowed a response to Iran’s overnight strikes on US forces in Jordan, as tensions again ramped up between the sides after a monthlong lull in fighting. Horovitz brings us up to speed with what is happening -- and not -- with the war right now. Some 2.6 million students and preschoolers returned to school Tuesday morning at some 28,000 institutions around the country, as Israel marked the beginning of the 2026-2027 school year. Horovitz delves into some of the challenges the system faces and how critical it is to overhaul it. Ra’am party head Mansour Abbas and Yoav Segalovitz — a Jewish, Zionist former police official, lawmaker and deputy minister — announced Monday evening that Segalovitz will run with Ra’am, an Arab party, in the October 27 election. We hear about the reasons for the merger as well as its immediate blowback. Sara Netanyahu, wife of Prime Minister Benjamin Netanyahu, insinuated without evidence in an interview aired Monday that left-wing politician Yair Golan had advance notice of the Hamas-led October 7, 2023, onslaught. Of course, this drew a furious response from Golan's Democrats Party, but could the Israeli public believe this conspiracy theory? Check out The Times of Israel's ongoing liveblog for more updates. For further reading: Trump vows response to Iranian strike on US troops in Jordan as tensions ratchet up ‘What a stupid question’: Trump rules out idea of nuking Iran amid renewed tensions 2.6 million students return to school amid teacher shortages, systemic challenges In unprecedented move, Abbas and Segalovitz announce joint run, bringing Jewish lawmaker to Arab party’s slate Full speech: Yoav Segalovitz joins Arab party Ra’am with hopes for ‘a shared future’ Breaking silence, Netanyahu decries ‘criminal violence’ after settlers again raid besieged village Sara Netanyahu pushes conspiracy theory that left-wing leader Golan had advance knowledge of Oct. 7 Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. This episode was produced by Yitzchak Ledee.See omnystudio.com/listener for privacy information.

July marked the highest number of individuals arrested by ICE during President Trump's second term. A majority of those arrested had no criminal record in the US. As churches figure out how to help congregants and neighbors who may be at risk, we're sharing Andy Olsen's reporting on a Honduran couple, Raúl and Lilian, who were flagged by ICE because of an immigration paperwork error. Raúl ended up in an ICE detention facility, but used his time there as an opportunity to minister to others. It's also a story about the advocacy and love of their church in East Boston, whose members continue to reach out to and care for individuals who have been detained in the same facility. GO DEEPER WITH THE BULLETIN: Join the conversation at our Substack. Find us on YouTube. Rate and review the show in your podcast app of choice. ABOUT THE AUTHOR: Andy Olsen is the editorial director of news at Christianity Today. He previously oversaw the print magazine team. His writing has appeared in the Los Angeles Times and the Chicago Tribune, among other outlets, and has been recognized by the Religion News Association and the Evangelical Press Association. ABOUT THE BULLETIN:  The Bulletin is a twice-weekly news analysis podcast from Christianity Today, with editor-at-large Russell Moore. Each episode offers commentary on current events and headlining news with a roundtable of premier guests, and shares a Christian perspective on issues that are shaping our world The Bulletin listeners get 25% off CT. Go to https://orderct.com/THEBULLETIN to learn more. “The Bulletin” is a production of Christianity Today Host: Alexa Copeland Associate Producer: Alexa Copeland Editing and Mix: Kevin Morris Graphic Design: Rick Szuecs Music: Dan Phelps Executive Producers: Erik Petrik Senior Producer: Matt Stevens Learn more about your ad choices. Visit podcastchoices.com/adchoices

Luis Herrero analiza junto a Ana Sánchez, Juan Pablo Polvorinos y Raúl Vilas la crisis de Ceuta.

Podcast Jajam Shlomo (Sally) Zaed Salud, dinero y amor. R. Raúl & R. Sally Conferencia

Escucha el desenlace de la 10ª etapa de La Vuelta con llegada a Elche de la Sierra. Escuchamos a Xabier Mikel Azparren y Raúl García Pierna

La opinión de Raúl Varela, este martes en La Tribu, ensalzando la figura de Raphinha por encima de la de Lamine Yamal.See omnystudio.com/listener for privacy information.

See all 7 member perks → https://israelguys.link/member-D9F    Election season in Israel is right around the corner, and things are really heating up. New polls are indicating that things aren't looking good for Bibi, prompting conversation about a unique path forward for the Israeli leader.    Also, a surprising new party is formed on Israel's right, throwing further complication into the election and Bibi's path to keeping power. Luke Hilton breaks it down for you here on today's video.   Source Links: Netanyahu considers potential presidency after premiership https://www.jpost.com/israel-election-2026/article-906630 Netanyahu admits difficulty recovering lost Likud seats https://www.jpost.com/israel-news/article-906752 Ofer Winter launches new right-wing party https://www.jpost.com/israel-election-2026/article-906571 Kahana says Winter belongs Netanyahu's political bloc https://www.jpost.com/israel-election-2026/article-906699 Elkin appointed Likud immigrant outreach campaign leader https://www.jpost.com/israel-election-2026/article-906578 Walla poll shows shifting Israeli election landscape https://www.jpost.com/israel-election-2026/article-906663 Netanyahu shares phone number with Israeli voters https://www.jpost.com/israel-news/politics-and-diplomacy/article-906476 Netanyahu urges Ben-Gvir, Smotrich election alliance https://www.israelnationalnews.com/news/432339 Eisenkot rejects Palestinian state and E1 expansion https://www.jns.org/news/israel-news/eisenkot-two-state-solution-delusional-after-oct-7 Ra'am chief criticized over Jewish state comments https://www.jns.org/news/israel-news/raam-chief-under-fire-after-saying-accepting-jewish-state-a-political-necessity    #IsraelWar #BibiNetanyahu #IsraelElections #PalestinianState #Settlers #Israelnews #Trump #Bibi #Netanyahu #Gaza  

Auto-generated transcript: Bismillāh ar-Raḥmān ar-Raḥīm. Alḥamdulillāhi Rabbil ‘Alāmīn. Wa salātu wa salāmu ‘alā ash-sharafi al-anbiyā’ wal-mursalīn, Muḥammadur Rasūlullāh ﷺ. Rasūlullāh kathīra kathīra. My brother and sister, Allāh subḥānahu wa ta’ālā comes under us and said: “Yā ayyuhal-ladhīna āmanū, wata’simū bihawli Allāhi jami’an, wa la tafarraqū.” Allāh subḥānahu wa ta’ālā said, “Hold together firmly to the… Continue reading Become beneficial

Research suggests that more than half of Americans could benefit from taking a GLP-1 RA medication. The drugs were originally designed to help manage type two diabetes, but in 2024, the Food and Drug Administration approved one GLP-1, Semaglutide, for weight loss. With that approval came a spike in prescriptions for the drugs, and a spike in calls related to GLP-1s to poison control centers. That's the focus of this episode of Stats and Stories with guests Jordan and Robert Miller. Jordan Miller is a post-baccalaureate student, double majoring in statistics and data science and mathematics at UT San Antonio. Robert Miller is a specialist in poison information with the South Texas Poison Center at UT San Antonio. 

Morena respalda a Raúl Bolaños-Cacho Cué para presidirSan Lázaro Ixtapaluca construye megacentro para procesar residuosAlemania vive su segundo verano más cálido desde 2003Más información en nuestro podcast#grc

La opinión de Raúl Varela, este lunes en La Tribu, sobre el gran arranque de temporada de Bellingham y una nueva victoria del Real Madrid de Mourinho.See omnystudio.com/listener for privacy information.

Dr Raúl Tortolero nos comenta sobre su nuevo Libro "La Derecha Popular" Rompiendo el mito de que lo popular no es real.No te pierdas éste episodio de El Kombo Radio®.Participa, déjanos tus preguntas o comentarios.Visita nuestro ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sitio web⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Síguenos en ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Telegram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Comparte éste contenido con tus amigos y familiares.Recuerda que puedes opinar en nuestro tema del día en el siguiente ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WhatsApp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ con notas de voz o texto.

Spain needs new babies. If you're having one soon, congratulations! And thanks. In this episode, we've got a report on prenatal care in Spain, and on baby prepping in Barcelona more specifically. Public and private healthcare, where to get secondhand cribs, doulas, midwives, maternity support, Pregnancy Pilates and much more. Check out the article for links and more: https://expatmadrid.com/prenatal-care-spain/Support this podcast by sending diaper money to Mr Chorizo (AKA Daniel) and Morena here: https://expatmadrid.com/donateIf you have any immigration questions that need a serious answer, or if you need the fingerprint / background check / apostille, talk to my friend Roberto and his partner Joanne at https://continentalis.eu/ (Roberto is the lawyer who got me Spanish nationality – not an easy task, as it turns out. And Joanne did all my background check stuff, plus got my birth certificate, translations and all. Tell them that DANIEL sent you and you'll get a discount – and I'll get a small commission.)Finally, Raúl over at Bike Tour in Spain is sending me on another cycling tour, so I'll be out next week. I'm doing El Camino del Cid and La Rioja. If you want a cardio vacation through some beautiful Spanish landscapes, check out https://biketourinspain.com

90 minutes of trip-hop and electronica, as the elusive SUED founder walks down memory lane. Everything is cyclical. Stick around long enough and what was new and thrilling, then gauche, comes back around, rediscovered by a generation seeing it with fresh eyes. The trip-hop revival of the 2020s is a neat example. But what does it sound like coming from someone who was there the first time? SW., AKA Stefan Wust, has an answer. The producer co-founded SUED in 2011 with SVN, a label whose hypnotic, stripped-back records arrived untitled and unannounced, and disappeared from Hard Wax just as quietly. For his RA Mix, he reaches back to those formative years, digging through trip-hop, breakbeat and electronica. Famously elusive, he explains in a rare Q&A below that the mix isn't a historical reconstruction but "an attempt to bring that memory back to life through my perspective today." Built from loops, delay and hard cuts, RA.1054 reassembles the music of his youth rather than filing it away. His Reminder series did the same for Detroit and Chicago; this goes somewhere he never has, to the trip-hop and downtempo end of the same decade. An excerpt of Rachmaninov's Liturgy of St John Chrysostom sets church-like choral vocals against decaying electronics from Twine and Gridlock, and of course it wouldn't be trip-hop without Tricky. Find the tracklist and Q&A at ra.co/podcast/1073

Steve Bryson, game programmer Steve Bryson was a programmer for EPYX and The Connelley Group, where he ported many games to various 8-bit systems. He ported Dragonriders of Pern, an action/strategy game based on the Anne McCaffrey novels, to Atari and Commodore 64. He ported Jumpman to the Apple II, and Lower Reaches of Apshai, Upper Reaches of Apshai, and Temple of Ra to the C64. This interview took place on August 5, 2026. Video version of this interview: https://youtu.be/SdK56W9bd6Y Steve's personal web site: https://www.stevepur.com Randy Glover, Jumpman interview: https://www.savetz.com/antic-interviews/transcripts/i171/i171-transcript.html Tom Zimmerman, AMY chip interview: https://www.savetz.com/antic-interviews/transcripts/i431/i431-transcript.html Jon Freeman, Freefall Associates interview: https://www.savetz.com/antic-interviews/transcripts/i070/i070-transcript.html Dragonriders of Pern at Internet Archive: https://archive.org/details/a8b_Dragonriders_of_Pern_The_1983_Epyx_US Dragonriders of Pern at AtariMania: https://www.atarimania.com/game-atari-400-800-xl-xe-dragonriders-of-pern_1723.html

Análisis de la arrolladora victoria del equipo de José Mourinho en el Bernabéu frente a un inexperto Málaga de Funes, con Pablo Parra, Carlos Pozuelo, Raúl Varela, Miguel Ángel Toribio y Marcos Bernat. Además, el análisis arbitral de Pablo González Fuertes y la opinión de los tribunos Javier Tintó, Irene Junquera y Adrián Blanco.See omnystudio.com/listener for privacy information.

In this episode, Warren Ingram and Pieter de Villiers discuss the complexities of estate planning, retirement annuities, and tax strategies, addressing common misconceptions and practical considerations for managing assets and minimizing taxes.Chapters00:00 Introduction to estate planning and common questions02:08 Why transferring assets to an RA at an old age can be problematic03:07 Tax implications of estate duty and retirement fund withdrawals04:29 Risks of over-contributing to an RA and estate implications06:20 How retirement fund payouts are regulated and their impact on estate07:18 The role of trustees and nomination in retirement fund payouts08:39 Alternative strategies to mitigate estate duty and fees09:25 Balancing estate planning with quality of life for the elderly11:22 When and why to consider an RA after retirement12:53 Additional considerations: estate duty abatement and inheritance planningLearn more about how Curate Investments can help you here.Send us Fan MailHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Eric y Raúl analizan como vienen los equipos de la NFC Norte con miras a la temporada 2026. Hosted on Acast. See acast.com/privacy for more information.

In this Supplement Ingredient Series episode, Nurse Doza makes the case for the B vitamin nobody talks about: vitamin B6. Everyone knows B12 — the pills, the injections, the whole routine — but B6 is the cofactor your body leans on to build serotonin, dopamine, and GABA, the neurotransmitters behind mood, focus, and steady daytime energy. He covers who tends to run low, why intake alone doesn't guarantee good status, and where an adaptogen-plus-adrenal formula like Zen fits in. FEATURED PARTNER Zen (Stress Relief) by MSW Nutrition is the formula Nurse Doza reaches for when the B6 conversation turns practical. Each capsule delivers 15 mg of vitamin B6 as P5P — the already-active form your enzymes can use directly — alongside 125 mg of bovine adrenal gland (Argentina) and a five-botanical adaptogen blend: rhodiola, Asian ginseng, eleuthero, schisandra, and licorice, plus vitamin C and 150 mg of pantothenic acid. It's built to support the body's adaptogenic response to everyday stressors and support energy production and stamina.

Auto-generated transcript: Bismillāh ar-Raḥmān ar-Raḥīm. Al-ḥamdu lillāhi Rabbil-‘alāmīn. As-salātu wa-s-salāmu ‘ala ash-sharafi al-anbiyā’ wal-mursalīn Muḥammad wa-rasūlullāhi, wa ‘ala ālihi wa sahbihi wa sallam. Tasliman kathīran kathīra. Wa ma ba’du. My brothers and sisters, we were talking about the importance of *dhikr*. And Allāh subḥānahu wa ta’ālā said: وَذَكِّرْ إِنَّ الذِّكْرَ فَوَى الْمُؤْمِنِينَ (*wa dhakkir inna… Continue reading Reclaim our mandate

Hablamos en Nueva York con la periodista de entretenimiento Uschi Levy; en La Paz con Raúl Peñaranda, director de "Brújula Digital", y en Buenos Aires con la sicóloga Débora Pedace

 With Louis Diamond Vanguard's acquisition of Altruist could reshape RIA custody, bringing together Altruist's technology with the scale, capital, and reputation of one of the industry's best-known brands. In Summary Vanguard's acquisition of Altruist brings one of the financial industry's most established brands together with one of RIA custody's fastest-growing challengers. In this Rapid Reaction Industry Update, Louis Diamond looks beyond the reported $4B+ purchase price to consider what the combination could mean for advisors—what he sees as the good news, the potentially negative outcomes, and everything in between. Altruist gains the capital, scale, and brand recognition that could help it compete more aggressively for larger RIAs and breakaway teams. Vanguard gains a technology-forward custody platform and greater access to the independent advisor channel. The larger implication may be increased competition across RIA custody. With Schwab and Fidelity controlling much of the market, a Vanguard-backed Altruist could create new pressure around technology, pricing, service, referrals, and innovation—while raising new questions about how Vanguard balances its growing advice business with its role as custodian. The Storyline RIA custody has long been dominated by Schwab and Fidelity, particularly since Schwab's acquisition of TD Ameritrade. Altruist emerged as one of the few credible challengers, building its position around modern technology, lower costs, and an advisor-focused platform.   But technology was only part of the equation. For larger breakaway teams in particular, Altruist faced another hurdle: brand recognition. Advisors could be impressed by the platform while still wondering how clients accustomed to names like Merrill, UBS, Morgan Stanley, Schwab, or Fidelity would respond to an unfamiliar custodian.   Vanguard changes that equation.   Louis examines why the acquisition makes strategic sense for both companies, from Vanguard's push to expand access to financial advice to Altruist's opportunity to operate with the backing of a well-capitalized, long-term owner.   For advisors, however, the bigger story is what happens next. A stronger competitor in custody could affect everything from technology and pricing to referral opportunities and the choices available to breakaway advisors.   There are also important questions still unanswered. Vanguard operates its own advice businesses. Altruist's speed and fintech culture may be tested inside a much larger organization. And while Vanguard says Altruist will remain independent, the longer-term operating model remains to be seen.   The deal may not change advisors' options immediately. But it has the potential to change the competitive dynamics surrounding those options considerably.   Topics Covered Vanguard's acquisition of Altruist RIA custody competition Schwab and Fidelity Altruist's technology and Hazel AI Vanguard's financial advice strategy Custodian brand recognition for breakaway advisors Advisor referral networks Custody and technology pricing Direct advice and custodian conflicts The future of RIA platforms and Supportive Independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why is the Vanguard-Altruist acquisition significant for RIA custody? (03:53)Louis explains why custody has remained highly concentrated around Schwab and Fidelity and how combining Vanguard's scale and reputation with Altruist's technology could create a much stronger third competitor.   What problem does Vanguard potentially solve for Altruist? (05:01)Altruist has built a strong reputation among advisors for its technology, but larger breakaway teams have sometimes questioned whether clients would recognize or trust the brand. Vanguard could significantly reduce that concern.   Why does buying Altruist make sense for Vanguard? (07:00)Vanguard has more than 50 million investors and has publicly discussed the need to expand access to financial advice. Louis considers how Altruist could give Vanguard both additional capacity and a stronger connection to independent advisors.   What does Altruist gain from Vanguard beyond capital? (09:51)Louis discusses the significance of having a long-term, investor-owned parent rather than remaining dependent on successive rounds of venture capital, while gaining additional resources to develop custody, technology, and Hazel AI.   How could this acquisition change the choices available to breakaway advisors? (12:33)The combination of Altruist's technology with Vanguard's brand could make the platform more viable for larger teams that previously hesitated because of client recognition and trust concerns.   Could Vanguard become a meaningful source of client referrals to RIAs? (13:42)With millions of existing investors and more demand for advice than Vanguard can necessarily serve internally, Louis considers whether a future referral program connecting Vanguard clients with Altruist RIAs could become an important competitive advantage.   What are the potential risks of the Vanguard-Altruist combination? (16:54)The acquisition also raises questions around Vanguard's competing advice business, Altruist's long-term independence, differences in corporate culture, innovation speed, and talent retention.   What could happen next across the custody market? (20:00)Louis offers several predictions, including responses from Schwab and Fidelity, wider adoption of Hazel AI, a potential Vanguard-Altruist referral channel, and greater use of Altruist by breakaway advisors.   Key Takeaways Vanguard's acquisition of Altruist could introduce a more formidable competitor into an RIA custody market heavily concentrated around Schwab and Fidelity. Vanguard addresses one of Altruist's biggest challenges with larger breakaway teams: providing a widely recognized financial brand that advisors can more easily explain to clients. Altruist gives Vanguard a technology-forward entry point into RIA custody as Vanguard continues expanding its strategy around access to financial advice. Advisors could benefit from greater competition through pressure on custody and technology pricing, service, product development, and innovation. A future referral channel could become an important part of the combination, particularly given Vanguard's enormous investor base and Altruist's growing network of RIAs. The acquisition also introduces potential conflicts and execution risks, including Vanguard's own advice businesses, the integration of two very different corporate cultures, and questions about whether Altruist can maintain its speed and independence over time. For breakaway advisors, the custody shortlist may have changed: Altruist can now pair its technology and fintech capabilities with the capital and reputation of Vanguard. https://youtu.be/UlgCBjLXrnw Quotable Moments “Custody is really a trust business.”— Louis Diamond (05:55) “Every time a well-capitalized player shows up, especially in custody, advisors win.”— Louis Diamond (12:33) “Really, it's tech-forward independence now without a brand trade-off.”— Louis Diamond (13:42) “There are always innovators showing up from outside the establishment, and every time one succeeds, advisors end up with more options and more leverage and more negotiating power than they had the year before.”— Louis Diamond (22:44) FAQs Why is Vanguard acquiring Altruist? Louis sees several strategic reasons for the acquisition. Altruist gives Vanguard an established technology and custody platform serving more than 6,000 advisors, while potentially expanding Vanguard's ability to reach investors through independent financial advisors. It may also provide another distribution channel for Vanguard investment products and future offerings. What does Vanguard's acquisition mean for Altruist? Altruist gains the backing of one of the world's largest and best-known investment firms while retaining, at least initially, its brand, leadership, and operating structure. Vanguard's capital could allow Altruist to continue investing in custody capabilities, technology, and products such as Hazel AI without relying on additional venture funding rounds. How could the acquisition affect RIA custody competition? Schwab and Fidelity currently dominate RIA custody. Louis believes a Vanguard-backed Altruist could become a stronger challenger by combining Altruist's technology and pricing model with Vanguard's scale, capital, and reputation. That could increase competitive pressure around pricing, service, technology, and innovation. Why could the deal matter to breakaway advisors? Altruist's technology has attracted advisor interest, but some larger breakaway teams have questioned whether clients would be comfortable holding substantial wealth with a less familiar custodian. Vanguard's ownership could substantially reduce that brand-recognition hurdle and make Altruist a more viable option for larger teams. Could Vanguard refer clients to advisors using Altruist? No referral program has been announced. However, Louis believes it is an important possibility to watch. Vanguard has more than 50 million investors, while Altruist provides access to thousands of independent advisors. Connecting investors seeking human advice with RIAs on the Altruist platform could create a meaningful new referral channel. Are there risks for advisors using a Vanguard-owned custodian? Potentially. Vanguard operates its own financial advice businesses, creating some of the same competitive concerns advisors have raised about other custodians with retail advice operations. Other questions include whether Altruist will remain operationally independent over time and whether its culture and pace of innovation can be maintained under Vanguard ownership. What happens next for Altruist, Schwab, and Fidelity? Louis expects the competitive response to be worth watching. He believes Schwab and Fidelity could respond through technology, AI, pricing, or other changes to their advisor offerings. He also expects Altruist to compete more aggressively for breakaway teams and sees the potential for Hazel AI to expand well beyond advisors who custody assets with Altruist. Does the Vanguard-Altruist deal change anything for advisors immediately? Not necessarily. The transaction still needs to close, and its longer-term impact will take time to emerge. But for advisors evaluating custodians, independence, or the value they receive from existing partners, the acquisition adds another factor to consider as the competitive landscape evolves. Louis sees several strategic reasons for the acquisition. Altruist gives Vanguard an established technology and custody platform serving more than 6,000 advisors, while potentially expanding Vanguard's ability to reach investors through independent financial advisors. It may also provide another distribution channel for Vanguard investment products and future offerings. Altruist gains the backing of one of the world's largest and best-known investment firms while retaining, at least initially, its brand, leadership, and operating structure. Vanguard's capital could allow Altruist to continue investing in custody capabilities, technology, and products such as Hazel AI without relying on additional venture funding rounds. Schwab and Fidelity currently dominate RIA custody. Louis believes a Vanguard-backed Altruist could become a stronger challenger by combining Altruist's technology and pricing model with Vanguard's scale, capital, and reputation. That could increase competitive pressure around pricing, service, technology, and innovation. Altruist's technology has attracted advisor interest, but some larger breakaway teams have questioned whether clients would be comfortable holding substantial wealth with a less familiar custodian. Vanguard's ownership could substantially reduce that brand-recognition hurdle and make Altruist a more viable option for larger teams. No referral program has been announced. However, Louis believes it is an important possibility to watch. Vanguard has more than 50 million investors, while Altruist provides access to thousands of independent advisors. Connecting investors seeking human advice with RIAs on the Altruist platform could create a meaningful new referral channel. Potentially. Vanguard operates its own financial advice businesses, creating some of the same competitive concerns advisors have raised about other custodians with retail advice operations. Other questions include whether Altruist will remain operationally independent over time and whether its culture and pace of innovation can be maintained under Vanguard ownership. Louis expects the competitive response to be worth watching. He believes Schwab and Fidelity could respond through technology, AI, pricing, or other changes to their advisor offerings. He also expects Altruist to compete more aggressively for breakaway teams and sees the potential for Hazel AI to expand well beyond advisors who custody assets with Altruist. Not necessarily. The transaction still needs to close, and its longer-term impact will take time to emerge. But for advisors evaluating custodians, independence, or the value they receive from existing partners, the acquisition adds another factor to consider as the competitive landscape evolves. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. Related Resources  Rise and Reinvent: Joe Duran on Building and Rebuilding World-Class Firms From Insurance Sales to $8B RIA: A Northwestern Mutual Breakaway Story Diamond Consultants 4th Annual Advisor Transition Report View the transcript of this episode… Vanguard Acquires Altruist: What It Means for RIAs, Custody & Breakaway Advisors With Louis Diamond Louis Diamond (00:06): Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is a special rapid reaction industry update, Vanguard acquires Altruist, what it means for advisors in the industry. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond (00:28): At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. (01:21): Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond (02:05): Funny how the biggest news in the business almost never comes from the firms everyone is watching. On Wednesday, August 26th, 2026, Vanguard announced its acquiring Altruist. If you asked me a year ago to name the company most likely to buy an RIA custodian, Vanguard would not have been near the top of my list. Vanguard was in the RIA custody business once. They left in 2003 and handed roughly $120 billion of advisor assets to TD Ameritrade on the way out. 23 years later, they’re buying their way back in, reported $4 billion or more. So let’s talk about what happened, why it matters, and where I think it goes from here. (02:48): What happened? On August 26th, 2026, a definitive agreement was announced out of Valley Forge, Pennsylvania. A deal is closing later this year where Vanguard is acquiring Altruist, the relative upstart RIA custodian. The price, an undisclosed number, but a reported $4 billion, some outlets reporting $4.6 billion or more. Either way, more than double their last private market valuation at the end of April 2025. Another element is Altruist is staying as a standalone. They’ll keep their brand, CEO, management team, and operate the same model just as a wholly owned subsidiary of Vanguard. Altruist in one breath, for those unaware, was a custodian and fintech company founded in 2018 by Jason Wenk. They became a self-clearing custodian, third largest as far as number of advisors served, north of 6,000 advisors, and had a reputation for serving smaller or upstart advisors, but recently started getting into more of the larger market breakaway space. (03:53): One estimate I’ve seen peg’s Altruist market share of RIA custody at around 6%, but you compare that to about three quarters of the market for Schwab and Fidelity combined. So a relatively small player, but a rapidly emerging player and threat in US RIA custody. This is not the first time Vanguard has been involved with Altruist. They reportedly were an early investor in Altruist back in 2020 and former Vanguard CEO, Bill McNabb, has been on the board of Altruist, so a lot of history between the firms. Let’s get into now why I think this is interesting for the industry as a whole. In my view, custody has never really been all that competitive, especially since TD Ameritrade sold to Schwab. You really had an oligopoly between Schwab and Fidelity. Sure, there’s a number of compelling, say more boutique custodians, whether Pershing Advisor Solutions, Goldman Sachs, which was another newer entrant to custody, LPL, Raymond James, First Clearing, and a number of others are also in the space, but it is a market that is dramatically dominated by the two largest players. (05:01): So I think this matters because you add an amazing venerable brand and reputation of Vanguard with this scrappy upstart custodian, and all of a sudden you can see a world where custody is one of the more competitive spaces in the industry. Altruist, in my view too, was one of the first credible challengers to the incumbent custodians in 20-ish years. Goldman has since picked up some decent market share and certainly they’re attractive for the segment of advisors. But Altruist with their tech-forward approach, low fees, and even just the way they went to market as an antagonist to Schwab and Fidelity, they’re a big deal and I think this just magnifies what they’re able to do. The gap though for Altruist was brand and reputation. Sure, they had amazing tech. No one ever has doubted that. Hazel AI, which they recently launched has been very well received. (05:55): Advisors I’ve worked with who have demoed the platform are incredibly impressed. The big Achilles heel though for Altruist has been my clients don’t know who Altruist is. Why would my clients put their millions of dollars of wealth with a self-clearing custodian that doesn’t have the same scale or reputation as the incumbent custodians? Well, that really goes away here. And at the end of the day, custody is really a trust business, but you’d have to think that a client would trust their assets held with Vanguard or with Altruist through Vanguard in a very similar way that they would trust assets held by Bank of New York Mellon or Charles Schwab or Fidelity Investments or Goldman Sachs. So to me, Vanguard acquiring Altruist solves that problem in one sentence, very simple. Why I think this makes sense for Vanguard? Salim Ramji, the CEO of Vanguard, has been saying since he arrived from BlackRock two years ago that only one in five Americans work with a fee-based financial advisor and that quality advice shouldn’t be a luxury good and this shortage is only going to get worse as advisors retire. (07:00): This is really him putting his money where his mouth is and really trying to make financial advice, human directed financial advice more accessible to everyday Americans and the upper echelons of wealth in this country. Vanguard as a company has over 50 million reported investors and over 12 trillion in assets. A lot of these people want Vanguard advice, but Vanguard hasn’t had the manpower or the capacity to deliver it itself. Buying Altruist over time can certainly solve that capacity gap and make it so that a human-based financial advisor or any of Vanguard’s internal platforms now have a greater ability to provide advice to Americans looking for financial advisors in the United States. I think this also means more distribution capability for Vanguard funds. Not that Vanguard has ever had a problem with distribution. They have a relatively small wholesaling force compared to other firms, but given their cost and reputation and performance, they’re really on pretty much every platform. (08:04): Most advisors have some clients that are invested into Vanguard mutual funds or ETFs, but this I think just gives them a greater ability to distribute Vanguard products, probably in a similar way to Goldman’s approach. When Goldman entered US RIA custody, in large part, they were doing it for distribution of different things. For Goldman, it was private markets and lending and other types of products. Vanguard is more ETFs and mutual funds, but Vanguard has also been pushing more into the private market space, so I can definitely see a world in which they can ratchet up the distribution of their products in a fairly cost-efficient way. I think to me, the most interesting thing about this marriage is the mission overlap is quite real. When Vanguard started, and to this day, their goal was to provide quality investment products at a fraction of the cost of the incumbents so that investing can be accessible to everyday Americans. (08:59): That’s exactly the verbiage that Jason Wenk and Altruist has used from the beginning, where they want to become a all-in-one hub or tech-enabled custodian so that an advisor, regardless of their size and a client regardless of their AUM, have the ability to get quality advice. I recently listened to a podcast called Acquired. We’ll link it in the show notes, but it’s a three-hour in-depth look into the building of Vanguard. And if you combine that with the podcast episode that I recorded with Jason Wenk, the CEO of Altruist, if you play them side by side, the parallels are eerily similar. So we’ll link both into the show notes, but I really think both of these firms were cut from the same cloth and really from the beginning, both have gone against the grain and tried to rattle incumbent players in the industry. So at least on paper, seems like a very good match. (09:51): Why does this deal make sense for Altruist? For one, for Jason Wenk and his leadership team, this has to be the outcome you drew up, maybe even better. Founding a new custodian in 2018, selling it in 2026, eight years later for over $4 billion, that’s a pretty incredible return on time for this team. They deserve it all and built something special and really entered into a space where no one wanted to venture just given the market share of the major incumbents, but good for them and has to feel good to pull off this type of sale. I think the big thing too is the buyer is the story. Vanguard as a company, it’s investor owned. They’re not private equity owned. They’re not VC backed like Altruist was. So Altruist can get off of the fundraising treadmill. They don’t have to worry about fund life or a five-year hold period or an eventual sale to a strategic. (10:42): Now they can really just focus on the business at hand, having one of the most well-capitalized companies in the world as their capital backer and owner. And every advisor on a PE-backed platform knows the question hanging over every relationship, who owns this next? That’s a question they won’t have to answer anymore at all, and they can really just focus now going forward. I think this also gives Altruist a fortress balance sheet and a ton of capital to keep pushing and developing their Hazel AI platform, which was launched in September 2025. Hazel’s an AI tax planning tool, kind of AI superpower that really has taken the industry by storm and has started to be sold as a standalone product to RIAs. And from what I’ve seen, they’ve sold it to over 1600 new RIAs just in the first month alone for $60 a seat per month, and that’s available to folks if they custody at Altruist or not. (11:36): So this, I think, just gives them an ability to distribute their fintech solutions and certainly develop their custody platform in a way that maybe was challenging or not as possible before. They can also take a longer term view instead of having to worry about they raised a series F, whatever comes after F and an eventual sale, investors wanting to get a return on capital, they can now focus on building over the long term, which has been Vanguard’s strategy all along. I think too, this will give Altruist the ability to invest in new capabilities that they didn’t have before, whether it’s lending or whether it’s more on the product side. It takes a lot to be a custodian. It seems like a relatively straightforward business just holding assets, but there’s a lot of products, solutions, really requirements that everyday investors and RIA clients have, and I think this will just ratchet up Altruist’s ability to close some of the capability gaps that they’ve had since they launched and they’re very transparent about those. (12:33): What I’m most excited about this, just coming from my vantage point in the industry, is why should an advisor care? To me, there’s five things that advisors should really take notice of with this acquisition. First one’s competition. Every time a well-capitalized player shows up, especially in custody, advisors win. Schwab and Fidelity have fought Vanguard in the asset management space for decades, and more recently in financial advice. Now you’re adding custody against a firm that doesn’t need to be profitable the next quarter, and all of a sudden we very much have an arms race and some competition is good for pricing, for service, for innovation, and I think this is going to be only positives for clients across the country, having another competitive option and keeping the incumbents really on their toes. Another reason, the breakaway shortlist has changed. Objection I always heard about Altruist was, “The tech is great, the AI seems cool, but how do I explain the name Altruist to a 68-year-old client who’s leaving Merrill or UBS or Morgan Stanley?” (13:42): While someone may still get some objections because Vanguard may not have the same brand cache as Goldman Sachs or UBS Private Wealth or Merrill Private Wealth, that objection got a lot weaker today. Really, it’s tech-forward independence now without a brand trade-off. It’s a genuinely different offer in the market than it was before. Third, I think this is one that hasn’t been talked about much, but should be watched closely, potential for referrals. Schwab confirmed last week that it was taking the SAN or the Schwab Advisor Network client referral minimum from two million to five million. For anyone not aware, referrals from the retail branches of Schwab and Fidelity are one of the major organic growth funnels for many of the top RIAs in this country and have driven valuations to billions and billions of dollars for firms that are in this program. (14:36): I really do see this as being a potential new massive referral opportunity of Vanguard existing clients and customers to Altruist custody to RIAs at a time when Schwab is trying to keep more of those referrals from themselves, which is a very savvy strategy, but at the same time, probably creates a bit of an opening for Altruist and Vanguard to become a really good referral hub for clients, which is a major draw for signing up new RIAs as clients, for breakaway advisors, et cetera. (15:07): So more details need to come there. We don’t even know if they’re starting a referral channel, but I have to imagine that’s high in the punch list and will be a very compelling offering in the marketplace. Yeah, think about it. Vanguard is 50 million investors and a CEO who said multiple times that they don’t have enough advisors or humans to deliver this advice. So perfect. You now have a massive array of RIAs and more and more coming to the table who offer that advice and being able to still serve them, still keep the assets in-house, but do it in a way where Vanguard doesn’t have to scale up their advisor force. They now have advisors to refer to. Fourth is pricing. I think the Vanguard effect is going to be real here. When Vanguard started, and even to this day, they’ve been the one who’ve pushed down the expense ratio on mutual funds and ETFs. (15:56): It’s been a massive benefit to investors across this country. It’s been Altruist’s playbook all along too, more focused on the advisor, so offering amazing tech and a custody platform for virtually no cost to an advisor. So I would say whatever you’re paying for technology, for custody, and really anything else that Altruist and Vanguard might touch, I would expect it to go down potentially and just have more pressures on the incumbent firms to really sharpen their pencil or to get more creative on pricing and innovation. I think that the fifth thing to keep in mind is Schwab has long used its scale and positioning in the market to best competitors, whether it was going to $0 on tickets for equities and ETFs, et cetera, a number of years ago or a number of other strategies they’ve taken. Now you have a firm that has similar scale as Schwab, a reputation for playing the long game and being comfortable making less money in the process. (16:54): So again, massive benefit to the advisors to have another major player driving down costs and increasing innovation in the space. But this is not all positives. As with anything, there’s the good and the bad, and also some open questions. The biggest, I think, downside or potential thing to watch here, and certainly if you are a BDO at a custodian, this is the line you’re using, “Vanguard has its own advice business, personal advisor, digital advisor, and a CEO who stated that his goal is that an advisor is in every investor’s pocket.” So now you have the custodian that’s holding your client’s assets also running one of the largest advice operations in the country. We’ve heard this concern in the past about Schwab or Fidelity where you have RA custody and then these firms have massive retail distribution networks. So certainly Vanguard, I think, will be in the same lane. (17:46): And if you look at a Pershing or an LPL or Raymond James, it’s a little bit different because they don’t have their own channels in the same way that Schwab or Fidelity do. So certainly if you’re BNY Mellon in particular, which is a straight B2B custodian, this is a clear point of differentiation for Vanguard, Altruist and certainly versus the other custodians. Next one is Vanguard has said that Altruist will remain a standalone business. The brand will stay intact, the management team, et cetera. But in fairness, every acquirer says versions of the same thing. The real test is let’s wait two years, three years and see how converging roles or similar roles across the firm start to converge into one, and over time will they more Altruist brand and human capital into one structure. (18:36): Right now we don’t know, but I’m always a bit skeptical with acquisitions that you have the honeymoon period, takes time for the deals to close, and then what happens a couple of years down the line? Either as there’s new executives in charge, there’s turnover, or just there’s certain synergies that can be had, and the best way to do it is by combining operations and the like. (18:56): The next risk, I think it might sound a little bit mundane, but it’s culture and speed. Vanguard based in Valley Forge, Pennsylvania, Altruist in LA, very different cultures. Altruist as a fintech company has been superfast to market, building, breaking things, innovating. And Vanguard, I think they’ve been extremely innovative on pricing, on product development, but I’ve never heard amazing reviews about Vanguard’s technology. So does this convergence of cultures create an issue? Does it create more bureaucracy for Altruist trying to build stuff? Is there a cultural mismatch when it comes to speed of market and innovation? And I think the last thing to keep in mind or to watch is the talent drainage at Altruist post-closing. Yes, I was a FinTech company and custodian offering equity, lots of upside for people that have taken this journey with them. Vanguard notoriously is the opposite. They don’t offer equity to anyone and they offer their employees high base salaries and you have a culture of longevity within the firm. (20:00): So after the lockup period is done for, or the earn out period is done for any Altruist equity owners and many of their employees, does that cause some talent drainage where folks want to go onto the next big thing, think what will happen to all the amazing SpaceX employees a year from now when their IPO lockups are done? Does that lead them to another opportunity? All these are questions I don’t know, but trying to play devil’s advocate. I think the biggest potential negative is just the Vanguard advice business as a competitor, a conflict to RIA custody. Let me give you a couple of predictions before we wrap here. I think Schwab and Fidelity will respond fast, whether it’s on the AI front or because the pressure is really on. I don’t know, maybe the $5 million referral minimum that Schwab just announced, maybe that sunsets after a period of time. I have no idea. (20:53): I’m also excited to see, we’ll call it the tech face off between Altruist and Robinhood. Robinhood acquired TradePMR, which is on the Wells Fargo First Clearing platform and is in the process of launching an RIA custodian themselves. So now you have, I think, two pretty incredible tech-forward custodians really trying to gain market share, so that will be fun to watch. Could there be a threat in the RIA platform space? So RIA platforms meaning RIAs, we call them supportive versions of independence, where advisors can plug into, they get technology, compliance, operations, et cetera, and still own their business. Given the end-to-end tech stack that Altruist boasts, and they’ve also been in development of their own corporate RIA, does that become that much more of a competitive feature that could possibly become a solution in and of itself that takes a dent out of these RIA platforms playbook? (21:45): I don’t know, but I think it’s possible. Altruist Hazel AI, does that push even well beyond custody? There’s a ton of AI and fintechs popping up around the industry. Hazel has certainly taken a lot of headlines and attention. With Vanguard behind it now, does that push the price lower? Does it help their distribution? Maybe you picture this, if you have a Vanguard-owned product sitting in the daily workflow of a competitor’s advisors, so let’s say you’re a Morgan Stanley, you’re a Schwab advisor, et cetera, do you now have a Vanguard-owned product in Hazel as part of your workflow or your fintech stack? Could be interesting. I will call a referral channel for Vanguard or Altruist, we’ll say within the next year or two. I think it would be crazy if that didn’t happen and that will be a massive disruptor. And finally, my prediction is more breakaways landing in Altruist. They’ve started to crack that door, but now with the powerful brand and reputation behind them, the sky’s probably the limit. (22:44): So in closing, a guy, Jason Wenk, started a company in 2018 in Los Angeles because he thought independent advisors deserve better software at a lower price. Eight years later, one of the most respected financial institutions in the world paid $4 billion for it, and the reason is he was right in that bet. There are always innovators showing up from outside the establishment, and every time one succeeds, advisors end up with more options and more leverage and more negotiating power than they had the year before. It’s a consistent theme across the industry. So nothing changes tomorrow, deals take time, deals have a way of falling apart, but if you’re evaluating custodians, thinking about independence for the first time, wondering whether your current partner is going to keep earning your business, today is a good day to reopen that question. And if you’re an advisor, I think cheer this on and be excited. (23:42): And as a industry participant, I am very excited to see how this deal takes hold and how this pushes the rest of the industry to innovate and continue to be better. So that’s it for today. Thank you for hearing my ramblings, and I’ll see you next time. Mindy Diamond (24:02): As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients, but are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay Or Should I Go? Is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook.   Vanguard Acquires Altruist: What It Means for RIAs, Custody & Breakaway Advisors With Louis Diamond Louis Diamond (00:06): Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is a special rapid reaction industry update, Vanguard acquires Altruist, what it means for advisors in the industry. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond (00:28): At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. (01:21): Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond (02:05): Funny how the biggest news in the business almost never comes from the firms everyone is watching. On Wednesday, August 26th, 2026, Vanguard announced its acquiring Altruist. If you asked me a year ago to name the company most likely to buy an RIA custodian, Vanguard would not have been near the top of my list. Vanguard was in the RIA custody business once. They left in 2003 and handed roughly $120 billion of advisor assets to TD Ameritrade on the way out. 23 years later, they’re buying their way back in, reported $4 billion or more. So let’s talk about what happened, why it matters, and where I think it goes from here. (02:48): What happened? On August 26th, 2026, a definitive agreement was announced out of Valley Forge, Pennsylvania. A deal is closing later this year where Vanguard is acquiring Altruist, the relative upstart RIA custodian. The price, an undisclosed number, but a reported $4 billion, some outlets reporting $4.6 billion or more. Either way, more than double their last private market valuation at the end of April 2025. Another element is Altruist is staying as a standalone. They’ll keep their brand, CEO, management team, and operate the same model just as a wholly owned subsidiary of Vanguard. Altruist in one breath, for those unaware, was a custodian and fintech company founded in 2018 by Jason Wenk. They became a self-clearing custodian, third largest as far as number of advisors served, north of 6,000 advisors, and had a reputation for serving smaller or upstart advisors, but recently started getting into more of the larger market breakaway space. (03:53): One estimate I’ve seen peg’s Altruist market share of RIA custody at around 6%, but you compare that to about three quarters of the market for Schwab and Fidelity combined. So a relatively small player, but a rapidly emerging player and threat in US RIA custody. This is not the first time Vanguard has been involved with Altruist. They reportedly were an early investor in Altruist back in 2020 and former Vanguard CEO, Bill McNabb, has been on the board of Altruist, so a lot of history between the firms. Let’s get into now why I think this is interesting for the industry as a whole. In my view, custody has never really been all that competitive, especially since TD Ameritrade sold to Schwab. You really had an oligopoly between Schwab and Fidelity. Sure, there’s a number of compelling, say more boutique custodians, whether Pershing Advisor Solutions, Goldman Sachs, which was another newer entrant to custody, LPL, Raymond James, First Clearing, and a number of others are also in the space, but it is a market that is dramatically dominated by the two largest players. (05:01): So I think this matters because you add an amazing venerable brand and reputation of Vanguard with this scrappy upstart custodian, and all of a sudden you can see a world where custody is one of the more competitive spaces in the industry. Altruist, in my view too, was one of the first credible challengers to the incumbent custodians in 20-ish years. Goldman has since picked up some decent market share and certainly they’re attractive for the segment of advisors. But Altruist with their tech-forward approach, low fees, and even just the way they went to market as an antagonist to Schwab and Fidelity, they’re a big deal and I think this just magnifies what they’re able to do. The gap though for Altruist was brand and reputation. Sure, they had amazing tech. No one ever has doubted that. Hazel AI, which they recently launched has been very well received. (05:55): Advisors I’ve worked with who have demoed the platform are incredibly impressed. The big Achilles heel though for Altruist has been my clients don’t know who Altruist is. Why would my clients put their millions of dollars of wealth with a self-clearing custodian that doesn’t have the same scale or reputation as the incumbent custodians? Well, that really goes away here. And at the end of the day, custody is really a trust business, but you’d have to think that a client would trust their assets held with Vanguard or with Altruist through Vanguard in a very similar way that they would trust assets held by Bank of New York Mellon or Charles Schwab or Fidelity Investments or Goldman Sachs. So to me, Vanguard acquiring Altruist solves that problem in one sentence, very simple. Why I think this makes sense for Vanguard? Salim Ramji, the CEO of Vanguard, has been saying since he arrived from BlackRock two years ago that only one in five Americans work with a fee-based financial advisor and that quality advice shouldn’t be a luxury good and this shortage is only going to get worse as advisors retire. (07:00): This is really him putting his money where his mouth is and really trying to make financial advice, human directed financial advice more accessible to everyday Americans and the upper echelons of wealth in this country. Vanguard as a company has over 50 million reported investors and over 12 trillion in assets. A lot of these people want Vanguard advice, but Vanguard hasn’t had the manpower or the capacity to deliver it itself. Buying Altruist over time can certainly solve that capacity gap and make it so that a human-based financial advisor or any of Vanguard’s internal platforms now have a greater ability to provide advice to Americans looking for financial advisors in the United States. I think this also means more distribution capability for Vanguard funds. Not that Vanguard has ever had a problem with distribution. They have a relatively small wholesaling force compared to other firms, but given their cost and reputation and performance, they’re really on pretty much every platform. (08:04): Most advisors have some clients that are invested into Vanguard mutual funds or ETFs, but this I think just gives them a greater ability to distribute Vanguard products, probably in a similar way to Goldman’s approach. When Goldman entered US RIA custody, in large part, they were doing it for distribution of different things. For Goldman, it was private markets and lending and other types of products. Vanguard is more ETFs and mutual funds, but Vanguard has also been pushing more into the private market space, so I can definitely see a world in which they can ratchet up the distribution of their products in a fairly cost-efficient way. I think to me, the most interesting thing about this marriage is the mission overlap is quite real. When Vanguard started, and to this day, their goal was to provide quality investment products at a fraction of the cost of the incumbents so that investing can be accessible to everyday Americans. (08:59): That’s exactly the verbiage that Jason Wenk and Altruist has used from the beginning, where they want to become a all-in-one hub or tech-enabled custodian so that an advisor, regardless of their size and a client regardless of their AUM, have the ability to get quality advice. I recently listened to a podcast called Acquired. We’ll link it in the show notes, but it’s a three-hour in-depth look into the building of Vanguard. And if you combine that with the podcast episode that I recorded with Jason Wenk, the CEO of Altruist, if you play them side by side, the parallels are eerily similar. So we’ll link both into the show notes, but I really think both of these firms were cut from the same cloth and really from the beginning, both have gone against the grain and tried to rattle incumbent players in the industry. So at least on paper, seems like a very good match. (09:51): Why does this deal make sense for Altruist? For one, for Jason Wenk and his leadership team, this has to be the outcome you drew up, maybe even better. Founding a new custodian in 2018, selling it in 2026, eight years later for over $4 billion, that’s a pretty incredible return on time for this team. They deserve it all and built something special and really entered into a space where no one wanted to venture just given the market share of the major incumbents, but good for them and has to feel good to pull off this type of sale. I think the big thing too is the buyer is the story. Vanguard as a company, it’s investor owned. They’re not private equity owned. They’re not VC backed like Altruist was. So Altruist can get off of the fundraising treadmill. They don’t have to worry about fund life or a five-year hold period or an eventual sale to a strategic. (10:42): Now they can really just focus on the business at hand, having one of the most well-capitalized companies in the world as their capital backer and owner. And every advisor on a PE-backed platform knows the question hanging over every relationship, who owns this next? That’s a question they won’t have to answer anymore at all, and they can really just focus now going forward. I think this also gives Altruist a fortress balance sheet and a ton of capital to keep pushing and developing their Hazel AI platform, which was launched in September 2025. Hazel’s an AI tax planning tool, kind of AI superpower that really has taken the industry by storm and has started to be sold as a standalone product to RIAs. And from what I’ve seen, they’ve sold it to over 1600 new RIAs just in the first month alone for $60 a seat per month, and that’s available to folks if they custody at Altruist or not. (11:36): So this, I think, just gives them an ability to distribute their fintech solutions and certainly develop their custody platform in a way that maybe was challenging or not as possible before. They can also take a longer term view instead of having to worry about they raised a series F, whatever comes after F and an eventual sale, investors wanting to get a return on capital, they can now focus on building over the long term, which has been Vanguard’s strategy all along. I think too, this will give Altruist the ability to invest in new capabilities that they didn’t have before, whether it’s lending or whether it’s more on the product side. It takes a lot to be a custodian. It seems like a relatively straightforward business just holding assets, but there’s a lot of products, solutions, really requirements that everyday investors and RIA clients have, and I think this will just ratchet up Altruist’s ability to close some of the capability gaps that they’ve had since they launched and they’re very transparent about those. (12:33): What I’m most excited about this, just coming from my vantage point in the industry, is why should an advisor care? To me, there’s five things that advisors should really take notice of with this acquisition. First one’s competition. Every time a well-capitalized player shows up, especially in custody, advisors win. Schwab and Fidelity have fought Vanguard in the asset management space for decades, and more recently in financial advice. Now you’re adding custody against a firm that doesn’t need to be profitable the next quarter, and all of a sudden we very much have an arms race and some competition is good for pricing, for service, for innovation, and I think this is going to be only positives for clients across the country, having another competitive option and keeping the incumbents really on their toes. Another reason, the breakaway shortlist has changed. Objection I always heard about Altruist was, “The tech is great, the AI seems cool, but how do I explain the name Altruist to a 68-year-old client who’s leaving Merrill or UBS or Morgan Stanley?” (13:42): While someone may still get some objections because Vanguard may not have the same brand cache as Goldman Sachs or UBS Private Wealth or Merrill Private Wealth, that objection got a lot weaker today. Really, it’s tech-forward independence now without a brand trade-off. It’s a genuinely different offer in the market than it was before. Third, I think this is one that hasn’t been talked about much, but should be watched closely, potential for referrals. Schwab confirmed last week that it was taking the SAN or the Schwab Advisor Network client referral minimum from two million to five million. For anyone not aware, referrals from the retail branches of Schwab and Fidelity are one of the major organic growth funnels for many of the top RIAs in this country and have driven valuations to billions and billions of dollars for firms that are in this program. (14:36): I really do see this as being a potential new massive referral opportunity of Vanguard existing clients and customers to Altruist custody to RIAs at a time when Schwab is trying to keep more of those referrals from themselves, which is a very savvy strategy, but at the same time, probably creates a bit of an opening for Altruist and Vanguard to become a really good referral hub for clients, which is a major draw for signing up new RIAs as clients, for breakaway advisors, et cetera. (15:07): So more details need to come there. We don’t even know if they’re starting a referral channel, but I have to imagine that’s high in the punch list and will be a very compelling offering in the marketplace. Yeah, think about it. Vanguard is 50 million investors and a CEO who said multiple times that they don’t have enough advisors or humans to deliver this advice. So perfect. You now have a massive array of RIAs and more and more coming to the table who offer that advice and being able to still serve them, still keep the assets in-house, but do it in a way where Vanguard doesn’t have to scale up their advisor force. They now have advisors to refer to. Fourth is pricing. I think the Vanguard effect is going to be real here. When Vanguard started, and even to this day, they’ve been the one who’ve pushed down the expense ratio on mutual funds and ETFs. (15:56): It’s been a massive benefit to investors across this country. It’s been Altruist’s playbook all along too, more focused on the advisor, so offering amazing tech and a custody platform for virtually no cost to an advisor. So I would say whatever you’re paying for technology, for custody, and really anything else that Altruist and Vanguard might touch, I would expect it to go down potentially and just have more pressures on the incumbent firms to really sharpen their pencil or to get more creative on pricing and innovation. I think that the fifth thing to keep in mind is Schwab has long used its scale and positioning in the market to best competitors, whether it was going to $0 on tickets for equities and ETFs, et cetera, a number of years ago or a number of other strategies they’ve taken. Now you have a firm that has similar scale as Schwab, a reputation for playing the long game and being comfortable making less money in the process. (16:54): So again, massive benefit to the advisors to have another major player driving down costs and increasing innovation in the space. But this is not all positives. As with anything, there’s the good and the bad, and also some open questions. The biggest, I think, downside or potential thing to watch here, and certainly if you are a BDO at a custodian, this is the line you’re using, “Vanguard has its own advice business, personal advisor, digital advisor, and a CEO who stated that his goal is that an advisor is in every investor’s pocket.” So now you have the custodian that’s holding your client’s assets also running one of the largest advice operations in the country. We’ve heard this concern in the past about Schwab or Fidelity where you have RA custody and then these firms have massive retail distribution networks. So certainly Vanguard, I think, will be in the same lane. (17:46): And if you look at a Pershing or an LPL or Raymond James, it’s a little bit different because they don’t have their own channels in the same way that Schwab or Fidelity do. So certainly if you’re BNY Mellon in particular, which is a straight B2B custodian, this is a clear point of differentiation for Vanguard, Altruist and certainly versus the other custodians. Next one is Vanguard has said that Altruist will remain a standalone business. The brand will stay intact, the management team, et cetera. But in fairness, every acquirer says versions of the same thing. The real test is let’s wait two years, three years and see how converging roles or similar roles across the firm start to converge into one, and over time will they more Altruist brand and human capital into one structure. (18:36): Right now we don’t know, but I’m always a bit skeptical with acquisitions that you have the honeymoon period, takes time for the deals to close, and then what happens a couple of years down the line? Either as there’s new executives in charge, there’s turnover, or just there’s certain synergies that can be had, and the best way to do it is by combining operations and the like. (18:56): The next risk, I think it might sound a little bit mundane, but it’s culture and speed. Vanguard based in Valley Forge, Pennsylvania, Altruist in LA, very different cultures. Altruist as a fintech company has been superfast to market, building, breaking things, innovating. And Vanguard, I think they’ve been extremely innovative on pricing, on product development, but I’ve never heard amazing reviews about Vanguard’s technology. So does this convergence of cultures create an issue? Does it create more bureaucracy for Altruist trying to build stuff? Is there a cultural mismatch when it comes to speed of market and innovation? And I think the last thing to keep in mind or to watch is the talent drainage at Altruist post-closing. Yes, I was a FinTech company and custodian offering equity, lots of upside for people that have taken this journey with them. Vanguard notoriously is the opposite. They don’t offer equity to anyone and they offer their employees high base salaries and you have a culture of longevity within the firm. (20:00): So after the lockup period is done for, or the earn out period is done for any Altruist equity owners and many of their employees, does that cause some talent drainage where folks want to go onto the next big thing, think what will happen to all the amazing SpaceX employees a year from now when their IPO lockups are done? Does that lead them to another opportunity? All these are questions I don’t know, but trying to play devil’s advocate. I think the biggest potential negative is just the Vanguard advice business as a competitor, a conflict to RIA custody. Let me give you a couple of predictions before we wrap here. I think Schwab and Fidelity will respond fast, whether it’s on the AI front or because the pressure is really on. I don’t know, maybe the $5 million referral minimum that Schwab just announced, maybe that sunsets after a period of time. I have no idea. (20:53): I’m also excited to see, we’ll call it the tech face off between Altruist and Robinhood. Robinhood acquired TradePMR, which is on the Wells Fargo First Clearing platform and is in the process of launching an RIA custodian themselves. So now you have, I think, two pretty incredible tech-forward custodians really trying to gain market share, so that will be fun to watch. Could there be a threat in the RIA platform space? So RIA platforms meaning RIAs, we call them supportive versions of independence, where advisors can plug into, they get technology, compliance, operations, et cetera, and still own their business. Given the end-to-end tech stack that Altruist boasts, and they’ve also been in development of their own corporate RIA, does that become that much more of a competitive feature that could possibly become a solution in and of itself that takes a dent out of these RIA platforms playbook? (21:45): I don’t know, but I think it’s possible. Altruist Hazel AI, does that push even well beyond custody? There’s a ton of AI and fintechs popping up around the industry. Hazel has certainly taken a lot of headlines and attention. With Vanguard behind it now, does that push the price lower? Does it help their distribution? Maybe you picture this, if you have a Vanguard-owned product sitting in the daily workflow of a competitor’s advisors, so let’s say you’re a Morgan Stanley, you’re a Schwab advisor, et cetera, do you now have a Vanguard-owned product in Hazel as part of your workflow or your fintech stack? Could be interesting. I will call a referral channel for Vanguard or Altruist, we’ll say within the next year or two. I think it would be crazy if that didn’t happen and that will be a massive disruptor. And finally, my prediction is more breakaways landing in Altruist. They’ve started to crack that door, but now with the powerful brand and reputation behind them, the sky’s probably the limit. (22:44): So in closing, a guy, Jason Wenk, started a company in 2018 in Los Angeles because he thought independent advisors deserve better software at a lower price. Eight years later, one of the most respected financial institutions in the world paid $4 billion for it, and the reason is he was right in that bet. There are always innovators showing up from outside the establishment, and every time one succeeds, advisors end up with more options and more leverage and more negotiating power than they had the year before. It’s a consistent theme across the industry. So nothing changes tomorrow, deals take time, deals have a way of falling apart, but if you’re evaluating custodians, thinking about independence for the first time, wondering whether your current partner is going to keep earning your business, today is a good day to reopen that question. And if you’re an advisor, I think cheer this on and be excited. (23:42): And as a industry participant, I am very excited to see how this deal takes hold and how this pushes the rest of the industry to innovate and continue to be better. So that’s it for today. Thank you for hearing my ramblings, and I’ll see you next time. Mindy Diamond (24:02): As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients, but are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay Or Should I Go? Is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook.  

Esmeralda Ruiz entrevista a Raúl Bellido, psicólogo, divulgador de cine y autor del libro "Cineterapia".

Join us for a great chat with Chuck Dixon, as Chuck goes DEEP into Knightfall & Bat Events, we chat about Bane’s dating history, and Dave finally comes to realize that Ra’s Al Ghul may be ever so slighty EVIL! Art of Bane holding Batman by Bane co-creator Graham Nolan. Please support the show on Patreon! Every dollar helps the show! https://www.patreon.com/SignalofDoom Follow us on Twitter: @signalofdoom Dredd or Dead: @OrDredd Legion Outpost: @legionoutpost

Episode 0956 - Wisdom & Momentum on the Path (RA) (Click on the above link, or here for audio.) Commentary on Ra's comment in Session 77 (77.24) about the "momentum based upon the characteristics of wisdom when applied to circumstance." Love-wisdom balance in 7-chakra energy development and 7-density evolution; correlation with Buddhist first fruit Sotapanna, Lucy-film's 20% brain activation

Tựa Đề: Ra-háp Lựa Chọn Được Sống Giữa Cái Chết; Kinh Thánh: Giô-suê 2; Tác Giả: Mục Sư Vũ Tuấn Anh; Loạt Bài: Hội Thánh Tin Lành Mỹ Đình

We're talking about Portland metro's growing home-based food scene, from donuts to birria to supper clubs — as well as the rise of Portland's tabletop gaming scene. Joining host Claudia Meza are food and drink reporters Brooke Jackson-Glidden and Alex Frane.  Discussed in today's episode: Portland's Coolest Game Shop Hides in Black Water's Record Store [Willamette Week]  Carmack's Maíz con Raíz  Cooking with Rel Dark Future Guardian Games Everyone is John Shadowdark Into the Odd Thirsty Sword Lesbians Glitter Hearts Monster of the Week Mothership Dungeons and Drag Queens Become a member of City Cast Portland today! Get all the details and sign up here.  Who would you like to hear on City Cast Portland? Shoot us an email at portland@citycast.fm, or leave us a voicemail at 503-208-5448. Want more Portland news? Then make sure to sign up for our morning newsletter and be sure to follow us on Instagram. Looking to advertise on City Cast Portland? Check out our options for podcast and newsletter ads at citycast.fm/advertise. Learn more about the sponsors of this August 25th episode: Rose City Comic Con Northwest Children's Theater - Use code SUMMERSALE for 20% off tickets Stacked Piercing - take 20% off your first booking with code CITYCAST20 Montavilla Jazz Grand Central Bakery

Rheumatoid arthritis may begin years before the first swollen joint appears, with autoantibodies circulating long before a clinical diagnosis is made. In this episode, we explore what happens during this critical preclinical phase and whether RA can be prevented before it starts. Dr. Kevin Dean, director of the Autoimmune Disease Prevention Center at the University of Colorado Anschutz, joins us to discuss what a positive CCP antibody really means, where RA may originate, lessons from the STOP-RA trial, whether we should screen people at risk, and how clinicians should counsel patients who test positive for CCP antibodies. 

Escucha el desenlace de la 4ª etapa de la Vuelta a España en su recorrido por Andorra la Vella. Protagonistas, Enric Mas, Mikel Landa y Raúl García Pierna.

New York summertime in all of its glory. New York City has had an epic few months. From clinching a milestone NBA Championship title, to Mayor Mamdani rolling out affordable housing and fixing potholes, to World Cup fever, the summer of 2026 has (for the most part) been a rush of pure elation for residents. Soundtracking it all is Public Service. Even if there's no special occasion, the atmosphere is always electric. Multiple dance cyphers form; musicians bring instruments to jam; free pizza is distributed; informal marketplaces emerge in the back. Public Service is a living tapestry of block party culture, serving as a reminder that church-like communal joy doesn't need four walls or a roof. Toribio and Perez man the decks each time, dishing out heaters across Afro house, dembow, cumbia, electro, hip-hop and techno. It might be the city's only DIY party where you can hear Jackmaster, Kendrick Lamar and Willie Colón in a single hour or see kids, aunties and grandfathers in the crowd. RA.1053 is a recording of this year's season opener in May—its vibrant blends and carnival-like mood will likely have more than a few listeners planning trips to experience the magic. Taking place in Brooklyn parks during the summer and clubs during cold weather, the party has also held editions in Detroit, Miami and Montréal. Sound is powered by hot pink speaker stacks, decorated with flower garlands, courtesy of Karlala Soundsystem whose founder Karl Scholz regularly provides rentals for free or at a sliding scale to cultural organisers. A true labour of love, the gathering relies on donations to fund operating costs and city permits. Based on the ever-expanding number of regulars, fuelled by word-of-mouth recommendations, it's only a matter of time before Public Service becomes a global phenomenon. Find the tracklist and Q&A at ra.co/podcast/1072 @publicservicenyc @mickeyperez @toribiomusic

Listen without ads: www.patreon.com/dopeypodcast DOPEYCON TICKETS: https://buytickets.at/thedopeyfoundation/2345507 This week on Dopey! Viral comedian and school custodian Jimmy Cash joins Dopey to tell a funny, painful, and unmistakably Dopey recovery story. Jimmy grew up in Worcester, Massachusetts, surrounded by addiction and Alcoholics Anonymous. His father—a high-school janitor—died from an overdose when Jimmy was nine, while his mother cycled through addiction, recovery, and relationships with other janitors. After watching The Basketball Diaries as a child, Jimmy became obsessed with getting high before he had even tried a real drug. By his teens, Jimmy was smoking weed, drinking, taking psychedelics, using cocaine and ketamine, getting arrested, and fighting with police. He recalls punching a cop who was kindly driving him home, attacking the weak knee of a college RA—or at least being accused of it—and causing a coked-out disaster at an IHOP that ended with him breaking the handle off a police car and being beaten in custody. Court-ordered AA eventually became genuine recovery. Jimmy got sober in 2003, built a family, became a custodian, and pursued his lifelong dream of stand-up comedy. His janitor videos went viral, leading to national attention and an appearance on The Kelly Clarkson Show. But after more than 20 years without drinking or using, divorce, career pressure, grief, isolation, and insomnia left Jimmy sleeping on his younger sister's couch. He began “nibbling” cannabis edibles, quickly recognized that he was getting high, and made the humbling decision to return to AA and pick up a new 24-hour chip. Plus: a listener steals a car and escapes police through a freezing pond, questions about the experimental opioid compound SR-17018, a precipitated-withdrawal horror story, spicy reactions to the Roy Donk episode, drugged dogs, dead parrots, Phish fans, and DopeyCon business. All that and more on this weeks new MASS edition of Dopey!   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On Episode 665 of Spittin' Chiclets, the boys are joined by legendary Glenn Healy to talk about all of his work with the NHLPA and mental health around the league. It's never too late to reach out if you're struggling. Also, Big Jimmy Vesey stops by for an in person interview to talk about his time playing in college, growing up in Boston and much more. This is an episode you won't want to miss. 00:00:00 - START 00:00:31 - Chiclets Updates 00:11:08 - Celebrini Card 00:22:40 - BDS Vs. Chiclets 00:28:50 - Glenn Healy Interview 01:19:01 - Gargoyles Season 01:20:54 - Jayden Daniels 01:26:26 - Jim Vesey Interview 02:25:47 - RA's World 02:36:52 - ETC. Support the Show: PINK WHITNEY: Go get a bottle of Pink Whitney. Pinkies UP! RHOBACK: Go to https://Rhoback.com and use code SPITTIN for 20% off your first purchase through the end of the week. DRAFTKINGS: GAMBLING PROBLEM? CALL 1-800-GAMBLER or 1-800-MY-RESET, 800-327-5050/visit gamblinghelplinema.org (MA). Call 888-789-7777/visit ccpg.org (CT), mdgamblinghelp.org (MD), 800-981-0023 (PR). Wagering offered by DK Sportsbook: 21+. Present in most states. (18+ DC/NH/PR/WY). Void in CAN. On behalf of Boot Hill Casino (KS). Pass-thru of per wager tax may apply in IL. Event Trading offered by DraftKings Predictions, CFTC-registered: 18+. Trading involves risk of loss. Market availability varies. General: 1 per new DraftKings customer. $5+ deposit req. Trade $5 get $150 Prediction Dollars (1-year expiry); or bet $5 get $150 in Bonus Bets (7-day expiry and stake removed from payout). Rewards issued in $50 increments every 7 days via click-to-claim for 14 days. Predictions Dollars click-to-claims expire 7 days after issuance. Rewards are non-withdrawable. 7 days = 168hrs. Predictions offer void in NY. Terms: dkng.co/offer. Ends 8/23/26 at 11:59 PM ET. Sponsored by DK. LUCY: LUCY is the only pouch that delivers long lasting, on demand flavor. Get 20% off your first order when you buy online at lucy.co/CHICLETS with code CHICLETS And here comes the fine print: Warning, this product contains nicotine. Nicotine is an addictive chemical. RUGIET: Get 15% off the breakthrough brain-and-body ED treatment at https://Rugiet.com/ChicletsYou can find every episode of this show on Apple Podcasts, Spotify or Netflix. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/schiclets