Podcasts about Ria

HOLIDAY SHOW TICKETS > https://bit.ly/CITOPHILLYSHOW. Fran's Jonas Brother NJ concert review (00:00-11:56). Ria smoked Wiz Khalifa's weed (13:38-27:24). Stassi Schroeder to host ‘The Secret Lives of Mormon Wives' season 3 reunion (28:17-33:56). Shep Rose caught going on rant about Paige DeSorbo & Craig Conover's relationship (33:57-39:28). Madison LeCroy & Sai De Silva feud (39:29-43:56). PopCorner voicemails: Kris Jenner facelift hot take, Does ‘DWTS' need multiple versions of the show?, Updated celebrity Chris rankings + more! (44:43-1:06:40). Interview with RHOSLC's Bronwyn Newport - talking her first BravoCon experience, where she stands with Lisa Barlow, her passion for fashion + much more! (1:07:28-1:49:06). CITO LINKS > barstool.link/chicks-in-the-office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/chicks-in-the-office

Market headlines love fear, but is that the full story? After decades of studying market trends, Chief Market Strategist Ryan Detrick knows that the best investment decisions start with data, not emotion or fear-based media. In this episode, he explains what most people get wrong about the market, why data is crucial to the bigger picture, and how investors can navigate information overload on social media. You'll also hear tips for making finance fun (and easier to understand), and building your own voice online! Topics discussed: Introduction (00:00) Ryan's background and career journey to Carson Group (02:16) Why he still has an optimistic, bullish market outlook (05:26) How he makes finance fun and easily digestible (09:34) Leveraging social media and the Facts vs. Feelings podcast (11:10) The importance of visual storytelling and historical data (13:48) How social media impacts investor behavior (16:14) Advantages of the RIA model (20:22) AI's impact on the job market and client privacy (23:44) Networking and branding advice for beginner finance pros (26:26) What brought you JOY today? (30:02) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Ryan Detrick: X (Twitter): https://x.com/RyanDetrick/ LinkedIn: https://www.linkedin.com/in/ryandetrick/ Website: ​​https://www.carsongroup.com/insights/blog/team-members/ryan-detrick/ About Our Guest: As Chief Market Strategist at Carson Group, Ryan Detrick brings a wealth of expertise and a strong understanding of financial markets to guide the firm's strategic investment decisions. With a proven track record of insightful market analysis and a passion for helping both advisors and clients navigate the complexities of the financial landscape, Ryan plays a pivotal role in shaping the investment strategies that drive Carson Group's success. Ryan's career has been marked by a dedication to staying at the forefront of market trends and the role history plays in potential market moves. Prior to joining Carson Group, Ryan held key positions at several leading financial institutions, where he honed his skills in market analysis, risk management and portfolio optimization. His ability to distill complex market information into actionable insights has earned him recognition as a thought leader in the financial industry, including being named one of Business Insider's 2023 Oracles of Wall Street. A sought-after commentator, Ryan frequently shares his market perspectives through media appearances on CNBC, Fox Business, Yahoo! Finance, Bloomberg and SiriusXM, speaking engagements and written commentary. Leveraging his extensive knowledge of market trends, economic indicators, and investment opportunities, Ryan provides valuable insights that empower clients to make informed decisions in an ever-evolving financial environment. Ryan also co-hosts a top-investing podcast, "Facts vs Feelings" alongside Carson Group colleague Sonu Varghese, VP, Global Macro Strategist. Each week they engage in insightful conversations exploring the intersection of data-driven market analysis and the human element in investment decision-making. Through "Facts vs Feelings," Ryan reaffirms his dedication to making finance more understandable. Originally from Springfield, Ohio, Ryan's financial career began over 20 years ago, with more than a decade spent at Schaeffer's Investment Research and six years at LPL Financial. He has a Chartered Market Technician (CMT) designation, a bachelor's degree in finance from Xavier University, and an MBA from Miami University. Outside Carson, Ryan is a dedicated family man and sports enthusiast. A lifelong Cincinnati Bengals fan, he lives in Cincinnati, Ohio with his family, where he can often be found coaching his two boys in various sports. In his free time, Ryan enjoys traveling to new places and exploring local cuisine. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

What is Pommeau? Pommeau is a: fortified blend of fresh apple must (unfermented) and apple brandy (typically Calvados in Normandy or Lambig in Brittany). The unfermented apple juice and brandy are combined before fermentation, which halts the process entirely and preserves natural sweetness. By law in France, Pommeau must be aged a minimum of 18 months in oak and produced within designated regions. It's rich, amber-colored, and served as an apéritif. It is consider to be a French heritage drink shaped by decades of refinement and protected standards. When did Pommeau receive AOC status? Pommeau received its official Appellation d'Origine Contrôlée (AOC) status in 1991, formalizing the traditional method and legally protecting what can and cannot be called Pommeau within France. And in America? If you ask what Pommeau is in the United States, the answer is: nothing defined. There is no legal TTB definition, no standard of identity, and no trade agreement protecting the name. Yet hundreds of U.S. labels already use the word…sometimes accurately, sometimes loosely, often inconsistently. So the question becomes, "What happens when a French classic with strict rules lands on U.S. labels with no rules at all?" That's the conversation American isn't having… yet. In this episode, Ria speaks with alcohol beverage attorney Lindsey Zahn to unpack what it means to use the word Pommeau in the U.S.—legally, culturally, ethically—and what cider makers and consumers should consider going forward. What happens when a French classic with strict rules lands on U.S. labels with no rules at all? That's the conversation America isn't having… yet. In this episode, Ria speaks with alcohol beverage attorney Lindsey Zahn to unpack what it means to use the word Pommeau in the U.S.—legally, culturally, ethically—and what cider makers and consumers should consider going forward. Key Topics Covered What Pommeau legally means in France Why the TTB has no definition for Pommeau How hundreds of U.S. labels were approved without consistency The difference between fortified cider vs. Pommeau Why a COLA approval does not protect you from trademark or trade disputes U.S.–EU trade agreements and why Pommeau is not protected Risks for current makers using "Pommeau" on labels Why "American Pommeau," "Pommeau-style," or accurate class/type statements may reduce risk The opportunity for U.S. cider associations to create a new American term A call for a naming contest—what the U.S. cider world could build together Why truth in labeling matters beyond regulatory compliance Why this conversation needed to happen…ten years ago Contact info for Lindsey Zahn P.C. Website: https://www.zahnlawpc.com Previous Cider Chat episode with Lindsey : Episode 85 Lindsey Zahn on Cider Law TTB Labeling Resources: https://www.ttb.gov 00:00 Introduction and Common Misconceptions 00:23 Meet the Host and Guest 01:35 Episode Overview: Focus on Pommeau 03:13 Cider Tours Announcement 06:58 Listener Support and Sponsors 08:40 Main Discussion: Legal Aspects of Pommeau 25:34 Trademark Rights and Labeling Concerns 27:34 The Importance of Due Diligence in Labeling 28:46 Pomo: A Gray Area in Cider Labeling 30:30 Alternatives to Using 'Pomo' 32:36 Truth in Labeling and Production Methods 36:08 Advice for Cider Producers 38:39 Role of Cider Associations 46:08 Final Thoughts and Call to Action Mentions in this Cider Chat Totally Cider Tours  

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Así funciona X Chat, el nuevo WhatsApp de Elon MuskLos nuevos mensajes cifrados de X prometen privacidad total, llamadas y archivos sin publicidad ni rastreo  Por Félix Riaño @LocutorCo  X, la red antes conocida como Twitter, presenta X Chat: un sistema de mensajería con cifrado de extremo a extremo, videollamadas, mensajes que desaparecen y bloqueo de capturas de pantalla. Elon Musk quiere convertir X en la “app para todo”, como el WeChat de China, empezando por este nuevo chat que busca competir con WhatsApp y Signal.  Sigue escuchando Flash Diario en Spotify y cuéntame qué piensas sobre esta nueva apuesta de Elon Musk por la mensajería segura.X Chat ya está disponible en iPhone y en la web, y pronto va a llegar a Android. Es la nueva función de mensajería de X, creada para ofrecer conversaciones cifradas y seguras. El servicio incluye llamadas de voz y video, envío de archivos de cualquier tipo, y la posibilidad de editar o borrar mensajes. También permite configurar mensajes que desaparecen automáticamente.La idea de Elon Musk es que X deje de ser solo una red social para transformarse en una herramienta completa de comunicación. Pero ¿qué tan segura y práctica es esta nueva opción frente a las aplicaciones más conocidas?  Muchos se preguntan si realmente podemos confiar en su cifrado  El cifrado de extremo a extremo, conocido como E2EE, significa que solo tú y la persona con quien hablas pueden leer los mensajes. Ni siquiera la empresa que ofrece el servicio puede verlos. X asegura que X Chat usa este sistema tanto para textos como para archivos, prometiendo privacidad sin anuncios ni rastreo.A diferencia del antiguo sistema de mensajes directos de Twitter, ahora los datos viajan en un canal encriptado. Además, X Chat permite bloquear las capturas de pantalla o recibir una notificación si alguien las toma. También ofrece mensajes que se autodestruyen en un tiempo definido por el usuario. Y todo esto funciona en una sola bandeja junto con los mensajes antiguos, para no perder el historial.  El problema es que el cifrado no protege todo. X reconoce que la llamada metadata —los datos sobre quién envía, a quién, y cuándo— no está protegida. Y ese tipo de información puede ser muy reveladora. Por eso algunos expertos dudan de la seguridad total de X Chat.Otro punto en discusión es la confianza. Aunque Elon Musk afirma que el sistema está inspirado en la seguridad de Bitcoin y en el lenguaje Rust, algunos analistas recuerdan que X ya tuvo que pausar el cifrado en mayo de este año por fallas. También señalan que la compañía planea ofrecer funciones avanzadas solo a usuarios Premium, lo que deja el servicio básico con menos herramientas de protección.  Pese a las críticas, X Chat representa un paso técnico importante. Al fin X tiene un sistema de mensajería moderno y cifrado, con llamadas y archivos, en un entorno libre de anuncios. Su desarrollo en Rust ayuda a prevenir errores comunes en la memoria y a mejorar la velocidad del sistema.Aunque la protección no es tan completa como la de Signal o Wire, la experiencia es más fluida y el cifrado ahora cubre también los grupos y los archivos multimedia. Además, la integración con la plataforma permite comunicarse sin necesidad de número de teléfono, algo que muchos usuarios agradecen.  El cifrado de extremo a extremo se popularizó con WhatsApp en 2016, pero fue creado antes por aplicaciones como Signal y Telegram. Hoy se usa para proteger la comunicación en apps de mensajería, videollamadas e incluso en servicios de correo. En este sistema, los mensajes se codifican con una llave que solo los dispositivos del emisor y el receptor pueden descifrar.WeChat, el modelo que Musk quiere replicar, supera los 1.400 millones de usuarios en China. En Occidente, WhatsApp tiene más de 3.000 millones de usuarios activos. Con X Chat, Musk busca unir mensajería, pagos y redes sociales en un solo lugar. Además, ya se menciona el proyecto X Money, que podría permitir enviar dinero y hacer compras desde la misma aplicación.  Cada día, desde Flash Diario, te acompañamos con noticias de tecnología, ciencia y entretenimiento digital. Lo hacemos para ayudarte a entender cómo estos avances pueden mejorar tu vida y tu manera de ver el mundo.Gracias a ti, que escuchas todos los días, y también a ti, que llegas por primera vez, por hacer parte de esta comunidad curiosa y constructiva. Nuestro objetivo es que te mantengas bien informado, con contenido claro, útil y positivo.  X Chat llega con cifrado, videollamadas y mensajes que desaparecen, buscando competir con WhatsApp y Signal. Aunque aún tiene puntos por mejorar, marca un cambio importante en X.Sigue escuchando Flash Diario en Spotify y cuéntame qué piensas sobre esta nueva apuesta de Elon Musk por la mensajería segura.  X Chat llega a X con cifrado, mensajes que desaparecen y videollamadas. Elon Musk quiere competir contra WhatsApp y Signal.  

HOLIDAY SHOW TICKETS > https://bit.ly/CITOPHILLYSHOW. Ria's BrovoCon experience (00:00-20:18). Fran saw ‘Harry Potter and the Cursed Child' on Broadway (20:19-36:07). BravoCon biggest moments roundup (37:10-1:00:45). Weekly Watch Report: ‘The Secret Lives of Mormon Wives,' ‘Dancing with the Stars,' ‘Maxton Hall' + more! (1:01:29-1:39:03). Interview with ‘DWTS' semi-finalists Robert Irwin & Witney Carson (1:40:15-1:54:51). Interview with ‘DWTS' semi-finalists Whitney Leavitt & Mark Ballas (1:54:54-2:08:53). Interview with ‘DWTS' semi-finalists Alix Earle & Val Chmerkovskiy (2:10:41-2:29:26). CITO LINKS > barstool.link/chicks-in-the-office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/chicks-in-the-office

Kyle Brady talks about the Running Industry Association and how important The Running Event is to the RIA and brick-and-mortar run specialty stores. We also chat about the Naperville running scene and the role that the Naperville Running Company plays in it, favorite part of working in the run-retail industry, frozen pizza, and more!If you're in the Naperville area and in need of shoes, be sure to check out the Naperville Running Company!Follow the official The Running Event Page for updates and information ahead of this year's event, which will take place in San Antonio from December 2-4.Be sure to follow Lactic Acid on the following platforms:  YouTube: Lactic Acid Podcast Twitter: Lacticacid_pod Instagram: Lacticacidpodcast Substack: Lacticacidpodcast

James Breaks down the 5 ways investment professionals get information before YOU, the retail investor, and how you can start getting information just as fast as them! That way, you can make informed decisions off the data, instead of off their headlines! 15 Minutes of Finance is your quick, easy to understand take on markets, taxes, and making smarter financial decisions! The show is produced by West and Walters Tax and Wealth Management, an RIA and tax firm based in Carlsbad, California. Hosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West and Walters, each episode gives you clear, honest, and actionable financial talk in the time it takes to drink your morning coffee! All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

Durante décadas se creyó que la Luna no podía tener minerales oxidados. No había manera: sin agua, sin aire y con un ambiente lleno de radiación solar, el hierro debería permanecer “crudo”, sin cambiar de color ni reaccionar con nada.Pero eso acaba de cambiar.

Mack Story unpacks the subtle yet powerful ways distrust creeps into relationships, both personal and professional, often without us realizing it.By sharing practical strategies, Mack equips listeners to recognize and counteract distrust, fostering stronger, more resilient connections with their teams and loved ones.Mack explains how seemingly minor actions—like forgetting to say thank you, ignoring a colleague, or taking someone's efforts for granted—can create distrust faster than trust is built, as distrust taps directly into our emotions.Drawing from personal anecdotes, like his appreciation for his wife Ria's cooking, Mack illustrates how automatic or accidental distrust accumulates over time, especially with those closest to us. He emphasizes that without intentional trust-building efforts, relationships risk deteriorating into divorce, workplace conflicts, or stagnation, using real-world examples to highlight the stakes in blue-collar environments.Mack challenges leaders to offset unintentional distrust by actively building trust through consistent, caring actions, such as acknowledging others' contributions or showing genuine respect.Mack contrasts the ease of reconnecting with old friends—where trust remains intact due to time apart—with the daily erosion that occurs in close relationships when trust isn't nurtured.

Spotify lanza dos funciones nuevas: resumen con inteligencia artificial para audiolibros y modo aleatorio mejorado Por Félix Riaño @LocutorCo  Escucha este episodio completo en Flash Diario.Spotify acaba de presentar dos novedades pensadas para quienes escuchan música o audiolibros en su app. La primera es “Recaps”, un resumen con inteligencia artificial que te pone al día en cualquier libro que hayas dejado a medias. La segunda es un nuevo modo “Aleatorio con menos repeticiones”, que promete variar más las canciones en tus listas de reproducción. Ambas funciones ya están disponibles para usuarios Premium en iPhone y están siendo probadas en inglés. ¿Qué tan distintas son estas mejoras y cómo van a cambiar la forma en que escuchas Spotify?Lo curioso es que ambas funciones resuelven problemas muy antiguosDesde hace años, los oyentes de audiolibros en Spotify pedían una forma de recordar dónde habían quedado. “Recaps” responde justo a eso. Esta herramienta genera un resumen de audio, creado con inteligencia artificial, que se activa después de escuchar entre 15 y 20 minutos de un libro. Cuando vuelves, solo tocas el botón “Recap” y escuchas un resumen sin spoilers, narrado con una voz natural. Es como un “anteriormente en…” de las series, pero para libros. Así puedes retomar tu historia sin tener que retroceder ni perder tiempo buscando el punto exacto donde te quedaste.Muchos usuarios abandonan los audiolibros porque los dejan a medias y luego olvidan lo que pasó. Spotify lo sabe, y por eso desarrolló esta función con ayuda de grandes editoriales como Penguin Random House, HarperCollins y Hachette. Desde que compró la plataforma Findaway en 2021, la empresa ha construido un catálogo de más de 500 000 títulos y paga cientos de millones de dólares a las editoriales cada año. Con Recaps, Spotify busca que más gente termine los libros que empieza, sin reemplazar la narración original ni usar esos contenidos para entrenar modelos de inteligencia artificial. Su director de investigación, Paul Bennett, aclaró que los resúmenes no modifican ni imitan la voz de los narradores.La otra novedad de Spotify es para quienes escuchan música. Desde hace años, los usuarios se quejaban de que el modo aleatorio no era tan aleatorio. Decían que el algoritmo repetía artistas o canciones muy seguido. Spotify escuchó y lanzó dos tipos de “shuffle”: el nuevo “Menos repeticiones” y el “Estándar”. El primero será el modo predeterminado e intenta mantener la frescura mezclando los temas con más variedad, mientras que el segundo usa un generador matemático llamado Mersenne Twister para crear un orden completamente al azar. En los ajustes de reproducción podrás elegir el que prefieras. Spotify explicó que el nuevo “Aleatorio con menos repeticiones” genera cientos de combinaciones posibles de una lista, las evalúa y elige la que más variedad ofrece. Según su directora de personalización, Lauren Saunders, “la aleatoriedad pura puede ser frustrante, porque a veces se agrupan canciones parecidas”. La idea es que el oyente sienta sorpresa, pero sin que se repitan los mismos artistas. Además, la empresa añadió funciones como “Snooze” para pausar recomendaciones, y Wrapped-style para ver tus estadísticas musicales cuando quieras. Con estas actualizaciones, Spotify quiere que escuchar música o audiolibros sea más personal y menos repetitivo, apostando al control del usuario y a una experiencia más humana.  Spotify está usando inteligencia artificial y nuevos algoritmos para hacer que escuchar música o audiolibros sea más fácil, variado y entretenido. “Recaps” te resume el libro que dejaste a medias, y el nuevo modo aleatorio refresca tus listas. Cuéntame, ¿cuál vas a probar primero?  Bibliografía:CNETThe VergeTechCrunchMashableSpotify NewsroomThe TabConviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.

Robert Sechan, Co-Managing Partner at NewEdge Capital Group and CEO of NewEdge Wealth, reflects on the firm's journey to becoming a top RIA and explains how innovation, partnership, and client alignment remain central to the firm's mission and growth. He also discusses the culture that drives performance, the core values that shape decision-making, and the vision behind building a modern wealth management platform.

A typical RIA “tech stack” is comprised of 3 core pieces of software:CRMFinancial PlanningPortfolio ManagementBut what exactly does the generic sounding “portfolio management” tool do?Considering it is typically by far the most expensive piece of a tech stack, it's important to understand the role it would play in your practice.In this episode (#136) of the Transition To RIA question and answer series I explain:What a portfolio management tool is.How these tools came to be.How they align with other parts of a tech stack.And in some scenarios, whether you even need one to begin with!Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-does-the-portfolio-management-tool-in-an-ria-tech-stack-do/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Escucha este y otros episodios en Flash Diario en Spotify.Las nuevas gafas inteligentes Even Realities G2 se controlan con un anillo que también mide tu salud, y buscan ser la alternativa elegante a las Ray-Ban de Meta  Por Félix Riaño @LocutorCoLas Even Realities G2 prometen algo que suena raro pero brillante: unas gafas con pantalla, sin cámaras ni altavoces, que se controlan con un anillo llamado R1.Meta, Google, Samsung y hasta Apple quieren poner pantallas frente a nuestros ojos. Pero Even Realities propone hacerlo sin que nadie note que llevas tecnología encima.Hoy vamos a descubrir cómo estas gafas logran proyectar texto en tus lentes, traducir conversaciones en tiempo real y hasta mostrar un teleprompter, todo sin romper la privacidad.Y sí, con un anillo en el dedo que funciona como mando, y que además mide tus pasos, tu ritmo cardíaco y tu sueño.Even Realities presentó las nuevas G2, una evolución ligera y minimalista de sus primeras gafas inteligentes. Cuestan 599 dólares, pesan solo 36 gramos y tienen una pantalla un 75 % más grande que la versión anterior. A diferencia de las Ray-Ban de Meta, no tienen cámaras ni altavoces, lo que evita el problema de grabar sin consentimiento y mejora la comodidad.El nuevo anillo R1, de 249 dólares, permite controlar las funciones del display con gestos del pulgar, sin necesidad de tocar las gafas. Además, incluye sensores que registran pasos, pulso y sueño.Estas gafas con realidad aumentada proyectan texto, traducciones, notificaciones o un teleprompter directamente sobre los lentes. La empresa promete dos días de batería y hasta siete recargas extra en el estuche.¿Podrán ser el primer par de gafas inteligentes que la gente quiera usar todos los días?Parece magia, pero en realidad es óptica, inteligencia artificial… y una buena estrategia de diseño.Even Realities nació con una idea clara: hacer gafas inteligentes que no espanten a nadie. Nada de cámaras grabando a desconocidos ni de altavoces transmitiendo sonido al aire.Su primer modelo, el G1, fue una prueba. El G2 llega con todo lo que aprendieron de ese experimento: lentes más delgados, más ligeros y con pantallas micro-LED de alta definición integradas en ambos cristales.La tecnología que usan se llama HAO 2.0 —Holistic Adaptive Optics—, un sistema de proyección dual que muestra texto verde flotante, como un pequeño “HUD”, una interfaz de realidad aumentada que no molesta a la vista.Los materiales son una mezcla de titanio y aleación de magnesio. Eso las hace resistentes y, sobre todo, cómodas. La forma puede ser redonda o rectangular, y hay tres colores: gris, marrón o verde. También son resistentes al agua y al polvo con certificación IP67.El gran reto de las gafas inteligentes ha sido siempre el mismo: hacer que la gente quiera usarlas.Las Google Glass fracasaron por su aspecto. Las Ray-Ban de Meta inquietan por sus cámaras. Y otras marcas han apostado por proyectores enormes o diseños demasiado futuristas.Even Realities optó por el camino opuesto: unas gafas que parecen gafas normales. Su apuesta se llama quiet tech, o “tecnología silenciosa”: dispositivos que no llaman la atención y que se integran en la vida cotidiana.Pero hay otro desafío: la interacción. Si no hay cámara, ni altavoz, ni pantalla táctil, ¿cómo se manejan?Ahí entra el R1, un anillo de acero inoxidable con recubrimiento cerámico que se convierte en un control invisible. Con un roce del pulgar se puede navegar por menús, pasar una diapositiva, activar traducción simultánea o controlar el teleprompter.El resultado es un conjunto que se siente natural. El G2 muestra la hora, el clima, tus recordatorios y los titulares del día en un panel flotante frente a tus ojos. También traduce conversaciones en 29 idiomas y ofrece indicaciones de navegación paso a paso.Si activas el modo Conversate, la inteligencia artificial Even AI escucha la charla y te sugiere preguntas, genera subtítulos o resume lo que se habló. Todo sin grabar audio, solo transcripción.El anillo no solo sirve de mando: también mide frecuencia cardíaca, oxígeno en sangre y calidad del sueño. Aunque no alcanza la precisión de un reloj deportivo, cumple como complemento.La batería dura dos días, y el estuche ofrece siete cargas completas. El R1 puede durar hasta cuatro.Lo más interesante es su enfoque en la privacidad y la comodidad. No te espía, no graba a nadie, y pesa menos que muchos anteojos comunes.Durante la presentación, el director ejecutivo Will Wang explicó que su meta es “ser el Tesla y el OpenAI de las gafas inteligentes”. La empresa distribuye ya su primer modelo, el G1, en más de 350 tiendas de óptica de lujo.El nuevo modelo G2 amplía el rango de prescripciones: desde –12 hasta +12 dioptrías, lo que permite que casi cualquier persona las use.La interfaz permite leer noticias, revisar listas, controlar el calendario y hasta ensayar discursos con el modo Teleprompter, una función que ya usó el creador de Oculus, Palmer Luckey, en una charla TED.Los expertos coinciden en que el hardware es sobresaliente, pero el software todavía necesita pulirse. Algunos probadores encontraron fallos en la app beta y datos de salud que no se sincronizaban bien. Even Realities promete actualizaciones y una tienda llamada Even Hub, donde desarrolladores podrán crear sus propias aplicaciones para las gafas.El lanzamiento global ya está en marcha: tanto el G2 como el anillo R1 están a la venta desde noviembre con un descuento del 50 % en accesorios para los primeros compradores.Las Even G2 son un paso real hacia unas gafas inteligentes que parecen normales.Ofrecen pantalla, IA y control por anillo sin invadir la privacidad. Falta que el software madure, pero la dirección es clara: la tecnología invisible ya está aquí.¿Tú te pondrías unas gafas que muestran texto sin que nadie lo note? Cuéntamelo y escucha este y otros episodios en Flash Diario en Spotify.Las gafas Even G2 proyectan texto en tus lentes y se controlan con un anillo inteligente que mide tu salud.

Learn how to pick the right Cider and Perry for every dish on the Thanksgiving table. This week we are not chasing brand names. We are building flavor intuition. Consider Thanksgiving not as one single taste on a plate; it is a stack of distinct taste worlds. Each one asks for its own kind of cider or perry. In this holiday feature, Ria and the Talking Pommes a.k.a. Perry Pear, Mr. Quince, and The Medlars talk through the art of pairing cider and perry for the entire Thanksgiving feast, from the welcome sip to dessert. You will learn how to shop with confidence, how to read a label for style rather than brand, and how to bring bottles that make every part of the meal sing. There is also a downloadable Thanksgiving Cider Shopping Checklist PDF below to make your trip to the store simple and stress free. Chapters for Episode 477 00:00 Introduction and Talking Pommes 00:47 Welcome to Cider Chat 02:02 Thanksgiving Traditions and Preparations 06:05 Upcoming Cider Tours 07:40 New York Cider Events 10:26 Ultimate Cider Pairing Guide for Thanksgiving 14:00 Choosing the Right Cider for Starters 18:33 Main Course Cider Pairings 20:37 Turkey Preparation and Cider Pairing 21:12 Smoked Turkey and Barrel-Aged Cider 21:49 Creamy Sides and Semi-Dry Cider 22:31 Fruit Ciders for Roasted Vegetables 22:57 Choosing the Right Cider 23:58 Introducing Cider to Friends and Family 25:01 Low Alcohol Ciders for Gatherings 26:30 Dessert Pairings with Cider 31:31 Serving Cheese and Fruit Plates 33:01 Thanksgiving Table Preparations 36:19 Final Thoughts and Recommendations Mentions in this Cider Chat Totally Cider Tours Cider Share November 14, 2025 | Red Hook Cidery Brooklyn NY New York Cider Fest November 15, 2025 | City Winery Manhattan

Google lanza una alerta global sobre aplicaciones VPN falsas que roban datos personales y contraseñasPor Félix Riaño @LocutorCoTú puedes ampliar esta información y escuchar más consejos de ciberseguridad siguiendo el pódcast Flash Diario en Spotify.Google advierte que miles de aplicaciones falsas se hacen pasar por redes privadas virtuales —los llamados VPN— para infectar teléfonos y computadores.Estas apps maliciosas pueden robar contraseñas, historiales de navegación, mensajes privados, claves bancarias y hasta billeteras de criptomonedas.El aviso llega justo cuando millones de personas están descargando VPN para saltarse las nuevas leyes de restricción de contenido en Reino Unido y Estados Unidos.Google confirmó que hay una oleada de aplicaciones fraudulentas disfrazadas de VPN legítimos, distribuidas en Android, iPhone y computadoras.Los hackers las usan para espiar a los usuarios con publicidad engañosa, ofertas falsas y permisos abusivos.El aumento del riesgo coincide con una explosión mundial de descargas de VPN: solo en Reino Unido, el uso creció más de 1.400 % desde que entró en vigor la ley que obliga a verificar la edad para ver contenido adulto.La advertencia de Google busca evitar que quienes buscan privacidad terminen perdiéndola por completo.El problema: muchos VPN que prometen seguridad son trampas.Un VPN —una red privada virtual— crea un túnel cifrado entre tu dispositivo y el servidor al que te conectas.Sirve para proteger tus datos en redes públicas y también para simular que estás en otro país.Por eso se volvió popular para acceder a servicios bloqueados por ubicación o por edad.Pero los estafadores encontraron ahí una oportunidad: clonar marcas conocidas o crear apps falsas que parecen seguras, pero envían tus datos a servidores desconocidos, muchos de ellos en China o Rusia.Google confirmó que algunas de esas aplicaciones fueron detectadas incluso dentro de tiendas oficiales, con reseñas falsas y nombres muy parecidos a los originales.El riesgo no se limita a los usuarios que buscan privacidad: afecta también a empresas y a estudiantes.Entre las amenazas más comunes están los troyanos bancarios, los ladrones de contraseñas y los accesos remotos ocultosque permiten controlar el teléfono a distancia.En los últimos meses, analistas de seguridad descubrieron campañas en las que se usaban facturas falsas de VPN o anuncios con contenido sexual para engañar a los usuarios.Una vez instalada la app, el malware puede copiar tus chats, tus datos financieros y hasta tus correos corporativos.Google recomienda activar “Play Protect” en Android, mantener siempre actualizado el sistema operativo y desconfiar de cualquier VPN gratuito o que pida acceso a tus contactos, fotos o mensajes.Las cifras muestran que la mayoría de las víctimas usan servicios gratuitos o descargados fuera de las tiendas oficiales.Y aunque pagar por un VPN no garantiza seguridad total, reduce mucho los riesgos.Expertos de TechRadar y Proton recomiendan usar marcas auditadas y transparentes como Proton VPN, NordVPN, Mullvad o PrivadoVPN, que no guardan registros de uso y ofrecen cifrado real.Google insiste en que los usuarios deben revisar el icono de verificación VPN en Google Play y evitar las descargas directas desde enlaces compartidos o redes sociales.La empresa también sugiere evitar el uso de redes Wi-Fi públicas, especialmente en aeropuertos, cafés y hoteles, donde es más fácil interceptar conexiones.La alerta llega en medio de un cambio global en la regulación de internet.Varios estados de EE. UU. y el Reino Unido están imponiendo bloqueos de páginas para adultos y sistemas de verificación de edad.Eso disparó el uso de VPN y con él, las oportunidades para el cibercrimen.Solo en la primera mitad de 2025 hubo más de 10 millones de descargas de VPN en el Reino Unido, según TechRadar.Y muchas de esas apps se comunicaban con servidores en Asia y Europa del Este.Google advierte que el peligro aumenta cuando se combina con redes Wi-Fi públicas sin cifrado: esos puntos de acceso abiertos permiten ataques del tipo “man-in-the-middle”, en los que un intruso puede interceptar o alterar los datos enviados por el usuario.Por eso la nueva recomendación de seguridad de Google es clara: usa un VPN legítimo, o ninguno.Los VPN pueden proteger tu privacidad, pero también pueden destruirla si instalas uno falso.Google pide usar solo aplicaciones verificadas, desconfiar de las gratuitas y evitar redes Wi-Fi abiertas.Google alerta: miles de VPN falsas roban datos y contraseñas. Usa solo apps verificadas y evita redes Wi-Fi públicas.

While many advisors seek client referrals, an intentional approach can lead to a steadier flow of leads. Today's guest breaks down how coaching clients on making introductions and small communication tweaks can turn satisfied clients into proactive advocates, driving steady, qualified opportunities week after week. David Stevens is the President of Stevens Capital Partners, an RIA based in Omaha, Nebraska, managing $500 million in AUM for 475 households. Listen in as David shares how he's built a thriving referral engine—receiving 10 to 15 client introductions per week—by teaching clients how to make meaningful connections instead of simply "asking for referrals." You'll learn about the timing and phrasing he uses to normalize referrals during onboarding, how he uses text messaging in this process, and how his firm has adapted as it has added clients across a range of segments. For show notes and more visit: https://www.kitces.com/463

Samsung y iFit traen entrenamientos guiados por expertos al reloj Galaxy Watch y la app Samsung HealthPor Félix Riaño @LocutorCoSamsung anunció su alianza con la plataforma de ejercicio iFit para integrar cientos de rutinas guiadas en la app Samsung Health y en los relojes Galaxy Watch. La colaboración busca ofrecer una experiencia de entrenamiento más completa y personalizada, conectando los relojes con caminadoras y bicicletas compatibles de NordicTrack y ProForm. Además, quienes compren un nuevo Galaxy Watch 8 o Ultra van a poder acceder a seis meses gratis de entrenamientos premium con instructores de todo el mundo.Cuéntanos si te gustaría probarlo y sigue el pódcast Flash Diario para conocer más innovaciones en tecnología y salud.Samsung Health, la aplicación de bienestar que viene en los móviles y relojes Galaxy, ahora integra rutinas en video creadas por entrenadores de iFit. Esto convierte al ecosistema de Samsung en una alternativa directa frente a Apple Fitness+ y Fitbit Premium, pero con un toque más abierto. Cualquier persona podrá ver un video gratis al mes de cada una de las siete categorías: yoga, pilates, fuerza, recuperación, mindfulness, barre y entrenamiento de alta intensidad.Los usuarios que quieran más acceso pueden suscribirse a iFit por diez dólares al mes o cien al año.Además, quienes compren un Galaxy Watch 8, 8 Classic o Ultra recibirán seis meses gratis del servicio.Pero los antiguos dueños del Galaxy Watch no reciben nada.iFit es una plataforma global de entrenamiento usada en miles de gimnasios y casas. Sus máquinas NordicTrack y ProForm ya mostraban métricas como ritmo cardíaco o calorías, pero ahora esos datos se conectarán directamente con los relojes Galaxy Watch, en tiempo real. Eso significa que mientras una persona corre o pedalea, podrá ver en su muñeca los mismos valores que en la pantalla del equipo.Samsung busca con esto cerrar una brecha frente a Apple, que desde hace años ofrece contenido similar con Apple Fitness+. La novedad es que Samsung no crea las clases, sino que se asocia con una marca experta en fitness digital.La noticia entusiasma a quienes entrenan con dispositivos Galaxy, pero hay una queja que no pasó desapercibida: los actuales dueños del Galaxy Watch 8 no recibirán el periodo gratuito de iFit.Solo los nuevos compradores podrán aprovechar las pruebas de seis meses. Esto ha generado descontento en foros y redes sociales, donde muchos usuarios sienten que se premia al comprador nuevo y no al leal.Por otra parte, la integración aún no llega a todos los países. Según iFit, por ahora estará disponible en Australia, Canadá, Francia, Alemania, India, Italia, Nueva Zelanda, España, Reino Unido y Estados Unidos. En América Latina habrá que esperar la siguiente fase de expansión.El objetivo de esta alianza es competir con los servicios de entrenamiento más completos del mercado. Fitbit prepara su propio relanzamiento con un entrenador personal impulsado por inteligencia artificial Gemini, y Apple mantiene su ventaja con miles de clases. Samsung decidió ir por el camino práctico: asociarse con una plataforma que ya tiene miles de videos y una comunidad global.Además, en los últimos meses, Samsung insinuó que planea lanzar su propia suscripción “Samsung Health+” en 2026, que integraría coaching avanzado con Galaxy AI. Si eso ocurre, la alianza con iFit podría convertirse en la base de ese servicio más inteligente y personalizadoiFit, con sede en Utah, Estados Unidos, lleva más de 20 años desarrollando programas de entrenamiento conectados. Su tecnología se usa en máquinas de gimnasios profesionales y en equipos domésticos de alta gama. La idea de integrar su biblioteca con Samsung Health permite que más personas accedan a entrenamientos guiados sin tener que comprar un aparato costoso.En paralelo, Samsung amplía el atractivo de sus relojes al ofrecer funciones que antes solo tenía Apple Watch, como ver los datos del entrenamiento directamente sincronizados con las máquinas.La tarifa mensual de iFit es de 10 dólares o 100 dólares al año, pero quienes adquieran un dispositivo Galaxy nuevo podrán probarlo gratis hasta seis meses, según el modelo comprado.Samsung e iFit unieron fuerzas para llevar entrenamientos profesionales a tu muñeca y a la app Samsung Health. La alianza abre un nuevo frente en el mundo del fitness digital.Samsung se asoció con iFit para llevar entrenamientos guiados y conexión con máquinas de gimnasio a los relojes Galaxy Watch.Bibliografía:Tom's GuideAndroid CentralEngadgetConviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.

Lindsey Mulder talks about what drew her to become involved in leadership with the Running Industry Association and how important The Running Event is to the RIA and brick-and-mortar run specialty stores. We also chat about what makes Playmakers Footwear and Apparel so special, the Thanksgiving dish to take off the menu, why she's excited for TRE in San Antonio this year, the importance of running shoes, double-decker tacos, and more!If you're in the East Lansing area and in need of shoes, be sure to check out Playmakers Footwear and Apparel!Follow the official The Running Event Page for updates and information ahead of this year's event, which will take place in San Antonio from December 2-4.Be sure to follow Lactic Acid on the following platforms:  YouTube: Lactic Acid Podcast Twitter: Lacticacid_pod Instagram: Lacticacidpodcast Substack: Lacticacidpodcast

Daniel Stefanski is an Associate Wealth Planner at MY Wealth Planners, and he joins the show today to share how he accidentally discovered financial planning and how his career has progressed so far. If you're interested in breaking into financial planning, navigating a career transition, or learning how to strategically pursue opportunities that align with your values, this episode is for you! Listen in as Daniel shares how he initially dismissed financial planning as just investment sales but discovered his passion for it after landing a co-op position with a financial planning firm during COVID-19. He explains what he learned through that experience, why he decided to move on, and how he strategically targeted the RIA channel—even relocating across the country and accepting a pay cut to pursue the right opportunity. You'll hear about the mentorship and growth he's experienced at his current firm, the lessons that have shaped his career path, and more. You can find show notes and more information by clicking here: https://bit.ly/3WytKH8

This episode features a calming guided meditation led by the lovely Ria from Perfect Pose Yoga, as featured on the My Possible Self App. This session is designed to help you gently transition from the busyness of the day into a peaceful night's rest. Whether you're winding down before bed or already tucked in, this meditation invites you to lie down, breathe deeply, and let go. Ria is a seasoned yoga teacher with over a decade of experience. She's passionate about sharing the empowering magic of yoga and helping others become their most vibrant selves. Her warm, inclusive approach creates a welcoming space for all, and her sessions are known for their friendly, community feel. When she's not guiding yoga, Ria enjoys exploring her love of crystals, adventuring with her son Jack, and pampering her four beloved cats. Settle in, press play, and let Ria guide you into deep relaxation and restful sleep. To download the free My Possible Self App: https://mypossibleself.app.link/podcast To follow My Possible Self on Instagram: https://www.instagram.com/mypossibleself/ To follow Ria on Instagram: https://www.instagram.com/perfect_pose_yoga Perfect Pose Yoga website: https://www.perfectposeyoga.com/  

In this episode, Ted and Owen sit down with Jennifer Newby, a fearless DIY homebuilder turned developer whose story proves that grit and curiosity can outbuild any limitation. From tearing down her first house with a sledgehammer to constructing luxury homes from scratch, Jennifer turned “learning as you go” into a full-fledged business model.She shares how she and her husband built their first home using YouTube videos, library books, and pure stubbornness — living in a camper, bootstrapping their way through every obstacle, and learning one painful drywall lesson at a time.Now, Jennifer's creating affordable housing, mentoring new investors, and leading the next generation of builders through her local RIA. This episode is for anyone who's ever wondered what happens when you stop waiting for permission and just start building.You'll learn:How Jennifer turned $10K and a dream into a full-time development careerThe smartest (and dumbest) DIY lessons she learned along the wayHow joining her local RIA changed her trajectoryWhy mentorship and community matter more than money in the beginningHow she balances grit, growth, and a little chaos at home

Jon Beatty discusses what's driving growth in the RIA industry, and how AI is changing the game. He thinks we're seeing early wins in the industry with the use of AI and thinks it will help firms scale while strengthening the client experience. Many investors like advisors with a personal touch; Jon thinks AI can make the connection more seamless.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Krystal Fortner built a thriving, advice-only firm by choosing clarity, community, and client-first values over sales pressure. In this episode, we trace her path from cold-calling at a wirehouse to launching her RIA with same-day state approval, and how learning product sales made her a stronger fiduciary.Krystal shares how witnessing a "don't ask questions" sales culture shaped her ethical approach and how one generous Saturday conversation sparked a lasting referral flywheel.We also dig into launching with XY Planning Network, how their compliance, registration, and peer support helped her hit the ground running, and the early days of signing her first clients. Krystal talks about finding quality leads, paying it forward, and designing a sustainable life that includes marathon training, CrossFit, and boundaries that protect her energy.For new planners, she offers a surprising tip: spend time in a wirehouse. You'll learn the complex products clients bring to the table and how to untangle them with empathy. Then build the model that fits your values.If this episode helps you see a better way to serve clients, follow the show, share it, and leave a quick review so more planners can find it.Social:https://www.linkedin.com/in/krystalfortner/

How to clarify, stabilize, and finish cider the right way The Purpose of Secondary Fermentation when Making Cider Once the apple juice has started fermented and it is now slowing down, it is time to rack over your cider for secondary fermentation. Secondary fermentation is where your cider moves from "young" to "refined." This stage improves clarity, stability, and overall quality before bottling or serving. 00:00 – Introduction and Welcome 00:27 – Meet the Host: Ria Windcaller 00:45 – The Magic of Clothes Pins 01:14 – Episode Overview: Secondary Fermentation 01:55 – Replay Announcement: Season 8, Episode 386 02:14 – Cider Making in the Northern Hemisphere 02:34 – Cider Making Resources and Equipment 06:09 – Totally Cider Tours 13:29 – Upcoming New York Cider Festival 15:31 – Featured Presentation: Clearing Cloudy Cider 24:01 – Observing Fermentation Activity 24:21 – Timing and Patience in Cider Making 24:54 – Understanding Racking Over 25:32 – Dealing with Stuck Fermentation 26:59 – Secondary Fermentation Indicators 27:47 – Preparing for Racking Over 29:13 – Racking Over Process 30:49 – Using Sulfites and Equipment 35:32 – Handling Head Space and Lees 38:38 – Final Tips and Bottling 42:43 – Supporters and Closing Remarks Why Secondary Fermentation Matters Secondary fermentation helps your cider: Improve the overall quality and characteristics of the final product during secondary fermentation by; Clarify: After the vigorous primary fermentation phase, yeast, pulp, and particulate matter settle out. Giving the cider time in secondary creates that clean, bright look in the glass. Stabilize: Letting the cider relax in a less active fermentation state helps smooth out rough edges and reduces the risk of funky off-character flavors. Reduce Bottle Sediment: Most of the lees settle in the secondary fermenter — not in your final bottles — giving you a cleaner, professional-looking cider. Avoid Off-Flavors: Yeast that sits too long on the lees can break down (autolyze) and create harsh, unpleasant aromas. Racking to secondary moves the cider off that yeast layer and protects the finished profile.. Secondary fermentation is a crucial step for refining cider, enhancing its clarity, taste, and stability before it is consumed or sold. Past Cider Making Episodes 381 DIY Cider Making for Beginners 382 Beginner Tips for Squeaky Clean Cider Equipment 384 Beginner Cider Making Tips forPrimary Fermentation  When to Transfer to Secondary Primary fermentation must be substantially complete. Signs include: – Airlock activity slows way down – Gravity readings stabilize over several days – Visible bubbling is minimal – A firm lees bed is forming at the bottom – Taste test confirms sugar is mostly gone (unless aiming for sweet Equipment needed for Cider's Secondary Ferment Find a complete list with links to purchase at the Cider Making Equipment page at ciderchat.com Extra Apple Juice to for topping off Secondary Fermenter – glass carboy of equal size Airlock and Bung Racking Cane or Auto-Siphon Sanitizer Hydrometer or Refractometer Tubing & a clothes pin ( a Ria tip to have on hand for clamping tubing as you go so it can be managed to insure that the tube doesn't slip down into the lees and stir them up) Bottle Brush and Cleaning Equipment Determining when Secondary Fermentation Begins Completion of Active Primary Fermentation: Watch and notice when the vigorous phase of primary fermentation is complete, which is typically indicated by a significant decrease in airlock activity or specific gravity readings that are close to the target final gravity. Gravity Readings: Use a hydrometer or refractometer to take consecutive gravity readings over a few days. When readings are consistent, it suggests that fermentation has slowed down enough for secondary transfer. Visual Clues: Look for a drop in the level of visible activity, such as the reduction of bubbles and the beginning of sediment formation at the bottom of the primary fermenter. Taste Test: Conduct a taste test for residual sweetness. If the cider is too sweet, it may need more time in primary fermentation unless the desired style of cider is sweet rather than dry. Timeframe Guidance: Generally, primary fermentation can take anywhere from a few days to two weeks, depending on factors like temperature, yeast strain, and original sugar content. Avoiding Off-Flavors: Transfer before the cider has sat too long on the lees at the bottom of the carboy to prevent off-flavors that can result from yeast autolysis. Specific Style Goals: Factor in the specific goals for the cider's style, as some styles may benefit from a longer or shorter primary fermentation before secondary. Equipment Availability: Ensure that the secondary fermentation vessel is prepared and sanitized before deciding on the transfer to avoid any delays once the cider is ready. Common Problems during Secondary Ferment Stalled Fermentation – Adjust fermentation temperature to optimal range. Excessive Oxidation – Minimize headspace and avoid splashing when transferring. Contamination – Practice stringent sanitation and possibly discard contaminated batch. Sulfite Burn – Allow time for dissipation or use activated carbon treatment. Insufficient Carbonation – Verify yeast viability and sugar availability; maintain proper bottle conditioning temperature. Sediment in Bottles – Allow full clearing in secondary, use fining agents, and bottle carefully. Unexpected Flavor Changes – Allow time for maturation or blend with another batch. Pressure Build-up in Containers – Use an airlock or periodically vent the container. Cider Becomes Too Dry – Monitor gravity to stop fermentation at desired sweetness or back-sweeten with non-fermentable sweeteners. Mentions in this Cider Chat Totally Cider Tours New York Cider Fest – City Winery NYC November 15th

We're back for round two with the one and only Ria Mae — and just in time for the release of her brand-new full-length album, Two, dropping this weekend!   Ria talks about what's changed this time around — from promotion to production — and how focusing less on perfection and more on authenticity has shaped both the music and her mindset. She shares how running her career like a small business has brought her clarity (and saved her from buying one from a Boomer), and why that practical shift has been key to her creative freedom.   We chat about cheering on the Halifax Tides women's soccer team, finding real value in TikTok, and setting boundaries to stay healthy and grounded. As fellow creatives, we also talk about the energy it takes to stay prolific — something Ria manages with ease and intention. Ria Mae is a JUNO-nominated singer-songwriter known for hits like “Clothes Off” and “Bend.” With Two, she's showing what happens when you let go of pressure and make art on your own terms.     Watch this episode on YouTube: https://www.youtube.com/@mikeandkristen   Join our Patreon: https://www.patreon.com/c/mikeandkristen   Us on the web: www.mikeandkristen.ca Instagram: www.instagram.com/mike_and_kristen/ Facebook: https://www.facebook.com/mikeandkristencreative Shoot us a message! Say hello, tell us who you think we should have on the podcast, and your deepest and darkest secrets: mikeandkristencreative@gmail.com  Review our book "You and Me" on Amazon (it helps a lot!!): https://amzn.to/3qqNCMo Intro song: “A Day in the Life" Outro song: “The Show" both by Mike (Michael S. Ryan) from his upcoming 88 song project Power Chords Mike's site: www.michaelsryan.com Kristen's site: www.kristenherringtonart.com Ria's IG: https://www.instagram.com/riaisawake Ria's Website: https://www.riamae.com/ Ria's Tour Schedule: https://www.riamae.com/#shows

Finding the right firm fit (and a well-defined path to partnership) can take time—and sometimes, the courage to start over. From wirehouse beginnings to RIA partnership, Maggie Rapplean's journey shows how clarity, persistence, and the right environment can open the door to both ownership and balance. Maggie is a Partner at Moneta Group, an RIA based in St. Louis, Missouri, where she oversees $250 million in AUM for 108 client households. Listen in as she shares how her career transitions have helped her find the equity path she was seeking. We talk about how she successfully took over a retiring advisor's book of business, how she achieved a high retention rate in part by refreshing these clients' financial plans and offering deeper tax planning services, and how building her own team has helped her balance career growth with family life. For show notes and more visit: https://www.kitces.com/462

In this episode, Nicole opens up about the hardest year of her life, balancing motherhood, money, and a messy business breakup, and how she found the strength to start over and build something entirely her own. 0:48 Nicole's start at Merrill Lynch  2:11 Defining what “ultra-high-net-worth” really means. 3:26 Watching $100M+ exits up close early in her career. 5:06 Leaving Merrill to go independent and start a firm. 6:41 Early struggles learning how to build an RIA. 8:01 Finding a niche with pro athletes and exonerees. 9:46 First red flags about her business partner. 11:41 Partner diverts company resources to other ventures. 13:56 Realizing something feels off — considering leaving. 15:36 Her baby's stroke changes everything overnight. 17:29 Balancing special-needs motherhood and running the firm. 19:11 Discovering the profit over-distributions. 20:51 Realizing her capital account is negative $20K. 22:31 Quietly preparing her exit and seeking legal advice. 23:56 The conversation — telling her partner she's leaving. 25:13 Negotiating the $20K down to $5K. 26:06 Launching her own firm, PearlVest Capital. 27:01 The shocking math: owning 100% pays more. 27:51 Acquiring other firms and empowering women advisors. 28:41 Final lessons and emotional close.

From the beginning of his career, Gabriel Shahin, CFP®, set out to educate investors and serve aspiring wealth accumulators. As Founder and Principal of Falcon Wealth Planning, Gabriel now leads a fee-only RIA focused on financial planning, with an emphasis on tax and retirement structuring. We sat down with Gabriel to discuss his new book, How the Rich Get Richer: Your Ultimate Guide to Building Wealth. Gabriel dives into the financial planning principles and investing strategies that allow high-net-worth individuals to establish lasting wealth, and shares how understanding your clients' financial motivations is integral to successful, long-term client relationships.

Grab a drink and join Phil & Michelle for another Happy Hour with one of the industry's top leaders — Jeff Moore, President of the Restoration Industry Association (RIA) and President and Chief Acquisitions Officer at ATI Restoration.Jeff shares the remarkable story of how his family's abatement business evolved into a national restoration powerhouse. From defining roles in a family company to building a strong culture and hiring top talent, Jeff offers candid insights into what drives sustainable growth.He breaks down:- Why profitability now matters more than raw growth.- How smaller operators can dominate their local markets.- The RIA's initiatives to improve communication, pricing, and industry unity.- His funniest industry story- ...and MORETune in for a mix of leadership lessons, business strategy, and good laughs — only on Happy Hour with Phil & Michelle!

Grab a drink and join Phil & Michelle for another Happy Hour with one of the industry's top leaders — Jeff Moore, President of the Restoration Industry Association (RIA) and President and Chief Acquisitions Officer at ATI Restoration.Jeff shares the remarkable story of how his family's abatement business evolved into a national restoration powerhouse. From defining roles in a family company to building a strong culture and hiring top talent, Jeff offers candid insights into what drives sustainable growth.He breaks down:- Why profitability now matters more than raw growth.- How smaller operators can dominate their local markets.- The RIA's initiatives to improve communication, pricing, and industry unity.- His funniest industry story- ...and MORETune in for a mix of leadership lessons, business strategy, and good laughs — only on Happy Hour with Phil & Michelle!

Harry Chandler talks about his role as president of the Running Industry Association and how important The Running Event is to the RIA and brick-and-mortar run specialty stores. We also chat about why he's excited for TRE in San Antonio this year, owning the Charlotte Running Company, and the importance of running shoes, why representation and community are necessary, hot banana pudding, and more!f you're in Charlotte and in need of shoes, be sure to check out The Charlotte Run Company!Follow the official The Running Event Page for updates and information ahead of this year's event, which will take place in San Antonio from December 2-4.Be sure to follow Lactic Acid on the following platforms:  YouTube: Lactic Acid Podcast Twitter: Lacticacid_pod Instagram: Lacticacidpodcast Substack: Lacticacidpodcast

A new episode of Money Wise this week dives into a record-setting week on Wall Street, where all three major indexes pushed higher despite political gridlock in Washington - wiith the Dow, S&P 500, and NASDAQ all closing at new all-time highs. Despite the government shutdown stretching toward record length, the markets showed little concern, illustrating that investors remain focused on earnings and fundamentals rather than politics. The conversation turns to the latest Consumer Price Index (CPI) data, which came in slightly cooler month over month, reaffirming hopes that inflation continues to trend in the right direction. The Money Wise guys debate whether the Federal Reserve's long-standing 2% inflation target is still realistic, pointing out that historical averages suggest 3% may be a more natural long-term level. They also examine continued challenges in housing, where higher mortgage rates and nervous buyers have led to slower activity, but emphasize that overall consumer sentiment remains surprisingly resilient. The guys also tease an upcoming discussion on gold's rapid rise and why investors should approach the “shiny metal” with caution despite its strong recent performance. A Goldilocks Market  A “Goldilocks market” describes an economy that's not too hot and not too cold, one where growth is steady, inflation is manageable, and the Federal Reserve isn't under pressure to raise or cut interest rates dramatically. This balance creates an environment that's often ideal for investors, as companies can grow earnings without the headwinds of high borrowing costs or runaway inflation. In weeks like this, when market data comes in “just right,” it reassures investors that the economy remains stable, supporting confidence and momentum in both stocks and broader market sentiment. In the second hour, the Money Wise guys explore RIA vs. Broker. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

On episode 215 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Stephanie Roth, Chief Economist at Wolfe Research, to discuss: the economy, tech earnings, the Fed, the wealth effect, AI and the labor market, and much more! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Choosing a custodian to hold your client assets is one of the most important decisions you'll make when transitioning your practice to the RIA model.While it might at first seem as simple as picking from the “Big 3” (formerly “Big 4”) custodians, the reality is there are close to a dozen custodial providers to potentially choose from.Differentiators amongst them include: AUM minimums, pricing, approach to technology, value proposition, service offerings, etc.In the latest episode (#135) of the Transition To RIA question & answer series I discuss how these variables will factor into your custodial decision.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-is-the-best-custodian-to-use-with-your-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

KCSU music director Ria sat down with Jared Swilley of Black Lips ahead of their Dever show at the Mission Ballroom on October 28th, 2025. On this tour the band is supporting Viagra Boys whilst performing songs from their latest album “Season of the Peach”. The two discuss the excitement of touring, the juxtaposition of telling intense stories with a lighthearted sound, and how aliens might react to bird sounds.Ria JanapatiWe are here at the Mission Ballroom, October 2[7]th, [2025]. You are Jared of the Black Lips-Jared SwilleyJared, and you are?Ria  I am Ria, Music Director of KCSU; I've got some questions. Jared  Cool. Ria  First one being: You've been doing this music thing for a hot minute now, are there things about being on the road specifically that change for you excitement level wise? Jared  Oh sure, yeah. There's a different, like, excitement level. I've been touring since I was 16. We drove- the first like US tour we ever did was pretty miserable, but it was still the funnest thing; like, by my standards today, it would be pretty miserable, but I remember  seeing the desert for the first time, and that's like, that excitement- I can remember the excitement I felt, like, the first time I saw a cactus. But like, now, you know, I slept on a pretty drive today because I've seen a lot of that stuff. So that changes. I still love being on stage and stuff. But yeah, I mean, just like, anything you do forever, things get boring. Ria  Are there any cities that you visited a first time and you, like, couldn't wait to go back? Or maybe the opposite, you were really excited, but it wasn't your fav. Jared  Oh, I won't mention any cities I didn't like, because I figure it's best not to say negative things about people or places. But there's... like, yeah, a lot of cities. I mean, talk about [the] excitement of being someplace. I remember the feeling of the first time we went to Europe to play; I couldn't believe it, like, because it was, it felt really cool. And I wanted to go back to all those cities, and I have been back to pretty much all of them. Or, like, you know, like Tokyo, like going there, I was like, "I have to come back here. It's awesome." So most, most places I would like, I, you know, there's, there's very few places I'd be like, “I never want to go there again.” So, yeah, I like most places.Ria  I've seen that you guys have come to be known for pulling some antics during live shows, especially more in the DIY spaces. Has there been anything you've really wanted to do during a live show that would just be like a fun little act that no one saw coming? Jared  There is one that we've been talking about doing... because we've done, like, all sorts of crazy stuff, and we're, like, older now, so I'm not trying to, like, make anyone upset anymore, like, do anything crazy. But like, have you ever seen the Wizard of Oz? Ria  Absolutely. Jared  So you know, like, when the Munchkins, like those guys come out as, like, the lollipop... the old guys? We want to- I guess I'm spilling the beans here, but it'll surprise people when we do it. But like, we kind of, like… We have this song that's about eating candy on our new record, and we want to just like, stop in the middle, hopefully, at a really huge show, like something like this [Mission Ballroom], or at a big festival, and, like, drop our instruments and go into the lollipop guild dance and then just start playing again. That's kind of like what we want to do.Ria  Nice. A little surprise, a little dance break. Jared  YeahRia  Yeah, awesome. You just have to get the choreography down. Jared  Yeah.Ria  And then your newest album, Season of the Peach, I noticed it takes on a lot of different genre influences. There's some rockabilly sound, there's some 60s stuff, some folk stuff going on, just all over the place. So when you're taking inspiration to create something new like that, where do you find yourself looking?Jared  I'm always looking in the past, and that's just for me. Fortunately, in this band, like all five members [contribute equally], right? So that's why it can kind of seem like it's all over the place, like musically. But, I mean, I only listen to, like, very old music, so that's kind of really what I'm pulling from; I listen to, like, old country and doo-wop and rockabilly and blues and stuff like that, so that's usually... I'm just trying to recreate stuff in a kind of, like, not as good way as the stuff I really like.Ria  Back on your 2020 album, there's a song called "Angola Rodeo", and that song really interested me in the storytelling of it. It seemed like a bit of a silly take on, like, real life events. So-Jared  YeahRia  When you're going about doing that. Where do you draw the line between like, not taking yourself too seriously?Jared  Well, you want to like, not like... or at least with me, I want to be like, if I'm talking about something very serious, and that's a very serious thing... Do you know the story of, like, the Angola rodeo? Ria  Yeah, it's a prison rodeo.Jared  Yeah, prison rodeo, and we actually went to it. I'd always wanted to go, and we went, and it's like, you know, it's pretty controversial. I happen to be in favor of it, just because it's like, if you're doing life in prison, or if you're on death row, like, it's the best day of your life when you get to do... They actually do it for like, a few months of the year. But you know, you don't want to be too preachy or too sappy, so you got to have your tongue firmly in cheek. My theory has always been, if you have, like, a really sad subject matter, make it a very poppy sounding song. And if you have really happy sounding stuff, it should be like, darker. That's kind of like how I like to do things. Ria  Yeah, just flip them on their head. Jared  And it's still, like... The lyrics are still like, kind of serious; but it's like a fun kind of sounding song. But you know, the Angola Prison is, like, one of the darkest places in the United States. It's pretty rough there.Ria  I just thought that was really interesting, because on a first listen, if you're not really paying attention, it'll just be like, "Oh, this is a fun little tune-Jared  There is, like, a big, like, stark contrast when you go to that rodeo, because you are in this just incredibly dark place. You drive in and you see death row, and you see the fields they're all working in, but then you go in there, and it's like, a really happy environment; like the prisoners... It's like, all guys on best behavior, but they've been working; like, they sell their arts and crafts that day. Their families are allowed to come in. They can actually have like, conjugal visits with their family in there. So it's like, it's super dark, ...

Balefire Wealth's transformation from two thriving RIAs into a unified enterprise business with national ambitions showcases the strength of shared vision and cultural alignment. In this episode of the RIA Edge Podcast, host David Armstrong talks with Jason Hester and John Hoffman, co-CEOs of Balefire Wealth, a new RIA born earlier this year from the … Read More Read More

En Capital Intereconomía hemos puesto el foco en Nvidia, protagonista del día en el Radar Empresarial, donde la compañía vuelve a marcar tendencia en el sector tecnológico y en el comportamiento de los mercados. Además, hemos conversado con Javier Riaño Sierra, de IronIA Fintech, sobre las carteras modelo con composiciones históricas, una herramienta que permite analizar la evolución pasada de las inversiones para detectar patrones útiles a la hora de invertir en el presente. Riaño ha explicado cómo la inteligencia artificial y la volatilidad actual están influyendo en estos modelos, y qué riesgos y recomendaciones deben tener en cuenta los inversores particulares. En el Foro de la Inversión, nos ha acompañado Asier Uribeechebarria, director de Caser Asesores Financieros, para hablar sobre el tercer Foro de Agentes Financieros, que se celebra el 30 de octubre. Uribeechebarria ha detallado los factores diferenciales del modelo de Caser Asesores Financieros, su apuesta por la innovación, la tecnología y la cercanía con el cliente, así como los objetivos de crecimiento de la firma, que ya gestiona casi 750 millones de euros. La jornada ha concluido con el consultorio de fondos, con Alberto Loza, responsable de Selección de Producto de Norwealth Capital, quien ha resuelto dudas sobre oportunidades de inversión en un contexto de máximos bursátiles y alta sensibilidad a los movimientos de la Fed.

With the term "financial advisor" being used so broadly these days, it's harder than ever for retirees and investors to make sense of who's actually guaranteed to act in their best interest. So let's talk about the key responsibilities of fiduciaries, explore the differences between fee-only advisors and those who earn commissions, and go through why full disclosure and ongoing advice matter so much in your financial planning relationship. I share practical tips on how to vet potential advisors, whether you're unhappy with your current one or searching for the right fit for the first time, and discuss online resources designed to help you find an aligned, trustworthy professional. If you want to make sure your advisor is truly putting your interests first, this episode is for you. You will want to hear this episode if you are interested in... [00:00] What is a Fiduciary Advisor? [04:59] Fiduciary duty in financial advice. [10:14] Advisor compensation and fiduciary conflicts. [13:16] Financial advisor versus Fiduciary. [14:41] Choosing your Fiduciary Advisor. [16:22] How to find a potential Fiduciary Advisor. What Is a Fiduciary and Why Should You Care? A fiduciary is someone who is legally and ethically bound to act in your best interest. Professions such as attorneys, executors, and corporate officers have fiduciary obligations, but in wealth management and investing, this distinction is particularly critical. Registered investment advisory firms (RIA) and their representatives are fiduciary advisors, meaning their primary responsibility is you, the client, unlike brokers or insurance agents, whose loyalty is often to their employer. Because anyone can call themselves a "financial advisor," the consumer's challenge is identifying who's truly working for you. How Fiduciary Financial Advisors Serve You 1. Duty of Care A fiduciary advisor must always put your interests first, providing recommendations and advice tailored for your benefit. This doesn't automatically mean recommending the cheapest investment, it means recommending the most appropriate solution, factoring in cost, liquidity, and other key details. If an advisor recommends their own firm's products, this must be clearly disclosed due to the potential conflict of interest. 2. Duty to Seek Best Execution When managing your investments, a fiduciary is responsible for choosing brokers and executing trades with your best interest in mind. It's not just about low commissions; it's about balancing price, research, reliability, and responsiveness. 3. Ongoing Advice and Monitoring A true fiduciary doesn't just sell you a product and disappear. They provide continuous advice, meet with you regularly, ideally at least annually or semi-annually, and adjust your strategy as your life and goals change. If you haven't heard from your advisor in years, they're likely not fulfilling their obligations. 4. Duty of Loyalty Advisors must actively avoid or disclose any conflicts of interest. Vague, general disclosures aren't enough; specifics matter so you can make informed decisions. For example, any financial benefit your advisor receives from recommending a particular fund or insurance policy should be clear and transparent. How Fiduciary Advisors Get Paid and Why It Matters Fiduciary RIAs typically avoid commissions and instead rely on three main payment models: Hourly Fees: You pay for the advisor's time, just as you would an attorney. Flat Fees: One-time fees for specific services, like a comprehensive financial plan. Assets Under Management (AUM): The most common method; you pay a percentage of the assets the advisor manages for you (often around 1% annually). The aim is to remove any incentive for the advisor to recommend products based on compensation rather than your best interest. Financial Advisor vs. Fiduciary: Spotting the Difference Many professionals use the title "financial advisor," whether they are fiduciaries or not. The real question to ask: Are you a fee-only advisor? Fee-only advisors are paid solely by the fees their clients pay, not commissions or kickbacks from financial products. To do your own research, use the online tools I recommend to verify credentials, licenses, and complaint histories. Also think about asking your advisor to sign a fiduciary oath, confirming their commitment to act solely in your interest. A fiduciary promises ongoing advice, transparency, and loyalty, values that matter when your future is at stake. Remember: Ask questions, verify credentials, and always ensure your advisor is truly working in your best interest. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE BrokerCheck IAPD findmyfiduciary.com Fiduciary Oath CFP.net Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

What is an “admired leader,” and how can you become one? Dr. Suzanne Peterson, partner at CRA | Admired Leadership, has been studying and advising businesses for over 20 years on how senior leaders can create influence and develop trust within their organizations. She joins Dimensional's Catherine Williams for an episode of Managing your Practice to discuss the traits, behaviors, and communication styles of the most admired leaders that can create an authentic, engaging, and inspiring environment for employees and clients alike.

Podcast Show SummaryOn this episode we welcomed the fabulous Genevieve Bellaire, Founder and CEO of Realworld, a tech startup designed to assist Gen-Z in transitioning to adulthood. Realworld offers guidance on various life topics often overlooked in school, such as finances, healthcare, and taxes.  Genevieve says that when she started Realworld, she wasn't trying to build a startup, she was trying to solve a personal problem: Why is life as an adult so overwhelming? She shares anecdotes about the challenges and triumphs she has faced along the way, underscoring the importance of adaptability in the rapidly changing tech landscape and how she and her team are leveraging AI and the multitude of ways that it can be incorporated into the tool.  Hear about the evolution of Realworld from its inception as a comprehensive educational platform to its current state as an innovative AI-driven app. Annie delves into Genevieve's vision for the future, exploring how Realworld plans to expand its offerings and further empower young adults to navigate the complexities of modern life with confidence and ease.Tune in to hear about the entrepreneurial spirit that drives Genevieve and her team, as well as valuable advice for aspiring entrepreneurs looking to make their mark. Whether you're a recent graduate, a young professional, or simply interested in innovative solutions for adulthood, this episode promises to be both enlightening and inspiring!!About Genevieve BellaireAbout RealwordAbout R. Seelaus & Co., Inc. R. Seelaus & Co., Inc. was founded in 1984 by Richard Seelaus, originally as a municipal bond broker-dealer. The firm has since become a certified women's business enterprise ("WBE") and has grown into a full-service financial firm that is mission driven in its commitment to creating more opportunities for women in the financial services. R. Seelaus & Co., Inc. and its subsidiaries offer investment advisory, asset management, capital markets, brokerage, fixed income and equity trading, institutional sales, leveraged finance and insurance services. The R. Seelaus & Co., LLC subsidiary is a broker dealer registered with the SEC and member of FINRA, and the subsidiary Seelaus Asset Management, LLC, is an SEC Registered Investment Advisor ("RIA"). With various fixed income trading desks and more than seventy professionals, both entities serve individuals, families, public and private companies, non-profit organizations, and institutional investors. The firm has offices in NJ, CT, New Jersey, Connecticut, Illinois, South Carolina, and Massachusetts. For more information about R. Seelaus & Co., and its subsidiaries visit www.rseelaus.com

BIO: Sandra Van OpstalEXECUTIVE DIRECTOR AND CO-FOUNDER OF CHASING JUSTICESandra Maria Van Opstal, a second-generation Latina, is Co-Founder and Executive Director of Chasing Justice, a movement led by people of color to mobilize a lifestyle of faith and justice . She is an international speaker, author, and activist, recognized for her courageous work in pursuing justice and disrupting oppressive systems within the church. As a global prophetic voice and an active community member on the west-side of Chicago, Sandra's initiatives in holistic justice equip communities around the world to practice biblical solidarity and mutuality within various social and cultural locations.https://chasingjustice.com/sandra-van-opstal/ Giving in Chicago: https://newlifecenters.org/ Ordg to follow in chicagohttps://www.icirr.org/ Tshirt https://secure.qgiv.com/for/peoplearenotillegalt-shirt/Danielle (00:09):good afternoon, y'all. I have a second video coming to you from my dear friend and colleague in Chicago, Humboldt Park area, a faith leader there that collaborates with the different faith communities in the area. And she's going to talk about some ways she's personally affected by what's happening by the invasion there and how you can think about things, how you might get involved. I hope you'll join me in this conversation and honor yourself. Stay curious, honor, humanity, get involved. Take collective action. Talk to your own neighbor. Let's start caring really well for one another.Oh wow. Sandra, you know me. This is Jenny McGrath. This is my colleague. She's a bible nut. She wrote out the Bible How many times?Like scripture nut and a researcher, a therapist and purity culture, kind of like Survivor, but did a lot of work with women around that. And we talk a lot about race and current events. And I restarted my podcast and I asked Jenny if she'd want to join me. She has a great love for justice and humans and making a difference. So that's kind of how Jenny joined up with me. Right. Anything else you want to say?Sandra, I saw your post on social media and I was like, I could do that. I could contribute to that. And so that's what I'm here to do. Want to hear about your experience. What does resilience look like for you all over there? What do you need from us? How can we be a part of what's happening in Chicago from wherever we are? And if there's practical needs or things you want to share here, we can also send those out.Yeah. Can you tell us a little bit about who you are, what you do, where you're located in Chicago, and just a little bit even about your family, if you're willing?Sandra (01:40):Yeah, sure. So it's great to be with you guys. I'm Sandra Van Opal and I'm here on the west side of Chicago in a neighborhood called Humble Park. It's if you see in the news with all that's happening, it's the humble Hermosa, Avondale kind of zone of the ice crackdown. Well, let's not call it a crackdown. The ice invasion(02:06):Here in Chicago. I am the daughter of immigrants, so my mom is from Columbia. My father was from Argentina. They came to live in Chicago when they were in their twenties and thirties. They met in English class, so they were taking TOEFL exams, which is an exam you take in order to enter into college and schooling here in the US to show your language proficiency. And so they met learning English and the rest is history. I grew up here. I've lived here my whole life. I'm raising my family here. I'm married. I have two kids that just turned 11, so they're in fifth grade and sixth grade. And the school that they go to is a primarily immigrant school immersion, Spanish immersion. So it's a school where you take classes basically 90% in Spanish when you start and you move every year a little bit more English until you graduate when you're 50 50.(03:03):And so the school context they've been in has been receiving a lot of new neighbors, a lot of new classmates. And for that reason, actually most of their classes are still almost fully in Spanish, so they should probably be 60 40 right now. But I think a lot of their curriculum is still in Spanish, or the children have the option of having the math book in Spanish or English if they want it. If they're supposed to be English Spanish, or sorry, English math this year, then they might choose to have a Spanish book even if the instruction is in English. So that's the context I live in. I am here. I live in a home. I have chickens and a garden, and I love to be outside watching my neighbors and connecting with people. And we have a black club in our community, so a lot of our information that we're sharing with each other is through our email list and our signal group. Yeah. Oh, also what I do, I run an organization called Chasing Justice, which is focused on the intersection of faith and making the world a better place. And I am a local pastor and author on issues of worship and justice. So that's my function in this world.Danielle (04:31):I think we talk about what's happening in one sense, it seems like social media and other ways like Zoom, we're on a screen with Zoom and we're all in three different locations right now. We think of ourselves as really connected. But then when tragedy strikes or trauma or an invasion, for instance, strikes, we're connected, but it seems like we're also disconnected from one another and the practical needs and storytelling on the ground, and what does resilience look like for one person versus another? Or what does survival versus thriving look like for one person versus another? And how do we kind of join together and form a collective bond in that? I've been thinking a lot about that after I read your post Sandra on Instagram and what does that mean for me? And just as I'm talking, what does that mean for you or what are thoughts that come to mind for you?Sandra (05:27):Yeah, I am think I remember what posts you're referring to, but I think part of it is whenever something happens in our world, I believe that because of the highly digitally connected world that we're in, it feels like we are all supposed to say something. That's how we respond. Something happens and we all go, that's not right, which I think is good, we should say that, but I think the frustration, I'm sure people in LA and DC felt that, but it's like something is happening in your real life every day to your neighbors and everybody all around the country is commenting on it and commenting with such confidence and commenting with such expertise, and you're like, wait a minute. That's not how I would say that. And I think the reason that maybe that post came up for me as a kind of, it was less frustration and more sorrow, I think it felt more, more sorrow that the people that are most impacted by the issues are not the ones that are given the voice to talk about how those systems of oppression are impacting them. And I think the reason I think about things like that is I remember when I first started pastoring locally here. I mean, I had been working for a parachurch organization doing national and international work. I really felt like it was time for me to become a local pastor to understand, hey, if I'm going to be writing to pastors and speaking to pastors and challenging pastors, I should probably know what it's like to be one. And so I was supposed to be a five year stint, which ended up being 12 years pastoring locally.(07:08):And in my discussions with my staff team, I would often have one of them very respectfully, I was the executive pastors in a community with hierarchy. So they would very respectfully say, Hey, your friends that are out there blogging and writing articles and books, they're talking about stuff in ways we would never talk about it. They're talking about it in a tone that we would never use to talk about our situation and with words we would never use to describe our situation. And it's not that my friends maybe didn't have a perspective, it's that it didn't reflect their perspective. And so I think I became very sensitive to that, paying attention to, oh, how do expert justice people talk about issues of justice versus the people that are most impacted by those issues of injustice? Or how do people from within a community express their journey in ways that maybe even have a different tone than mostly anger that was coming out from the justice space?(08:10):And they're like, we wouldn't say it that way. We wouldn't talk about it that way. So I think because of that, it's really important when something happens in a local space and it is impacting us all nationally, national news, that we ask the question, how can I hear the voices of the people that this is most impacting? And so that's why I think I wrote that post. I was like, A lot of y'all have a lot to say about Chicago who don't live here and thank you, but no thank you. Invite us to talk for ourselves, invite us to speak for ourselves because there are local pastors and priests and imams and mental health providers who are experiencing this in a very real way that they probably could shed some light on what would be helpful to us. I called a bunch of friends in Los Angeles when things were happening there, and I was like, oh, how are you guys doing?(09:05):What's really happening? How can we help? If you don't have time to reply back, just know that I'm here praying for you, and I'm like with you and I'm sending money to the orgs. I see you posting and don't know what else to do. Obviously, the ice raids are impacting all of us across the country, but they're impacting each city in very different ways. Each city is a very different city with a very different ethos and a way of handling things. And as you guys know, Chicago is the best. I'm so proud of us right now. I'm so proud of us. We're like, no, you can't talk to us like that. No, you can't have our streets. But it also gets us into trouble because it's rooted in our philosophy of community organizing, though the linsky method, which is agitation, agitation, agitation. So we have stuff to learn too. But that's what you're seeing in Chicago is a lot of agitation. But yeah, that's why I wrote it. I wrote it like, I know 20 community leaders you could talk to here in Chicago that would give you a good idea of what we're experiencing and what would be best for us if you wanted to come alongside of us and help in prayer. So yeah.Jenny (10:27):Yeah, I think just a sense of wanting to hear more, whatever you feel. Well, and whatever feels safe to share in this podcast setting of just what it has been like for you to be on the ground in the community that you're in, in the roles that you're in with the family you're in. I just find myself curious about your experience.Sandra (10:52):Yeah. Okay. So I think about this in three different areas. One is, how is this impacting me as a parent, the other in my family and connected to family members. The other one is how is this impacting me as a neighbor? And then the other is, how is this impacting me as a civic leader, as a faith leader here? And so the hardest one has actually been, as a parent, if I could be honest with you, it's really been hard. Those of us that have raised kids, especially younger children or well all children, they each have their own season of development. But raising kids and being a village for children right now I think is really hard. They've gone through lockdown, George Floyd protests, watching multiple genocides, a war in Ukraine, and now this locally. And I believe in talking to your kids about what's happening and talking to them about it in ways that is appropriate for their age. So that has changed for me since my children were five when the pandemic started and now they're 11. That has changed for me what that looks like.(12:32):But there are many families, dozens of families in their school that have not returned since the ice raids have started. Their friends are missing from class. Ice has repeatedly been around their school. Ice has been on our corner where we grocery shop, get tacos, go to therapy. My son asked me the other day, will they throw me on the ground? If they see me, will they throw me on the ground? And this is one of my sons already struggles a lot with anxiety and he has anxiety, and he's also a black child. And so he's already been processing being black in the context of law enforcement in our city and what's happened. And so I think he kind of went through that season and he's like, so will they throw me on the ground if they see me? And I'm like, no, buddy. They're not going to. Hopefully there's enough cameras around that they'll throw you on the ground.(13:42):And so I think trying to figure out how to answer those kinds of questions. How can we think about our friends? How can we pray for our friends? We've done a lot more prayer in the 15 minute commutes to and from school, I think just for very specific needs that our neighbors are going through. And neighbor that I live in close proximity to the other day was running an errand and was detained by ice and was let go on the spot in the parking lot of the Home Depot, but its someone our kids know really well and helping them to process that. Their friend, a neighbor has gone through this, I think requires a different set of parenting skills and I believe are in most parenting books.(14:48):And so I find myself almost, man, I wish there was a resource for that man. I wish there was a place to talk about that. Let me talk to my neighbor about how they talk to their kids about that. And for those of us that come from Latino cultures, we don't really talk about hard things a lot. We're not really taught to talk about them. It's like we endure them and we go through them, but we don't give them space for processing. And so both of my children are in therapy. I don't know what they talk about in therapy, probably girls and love interests and bullying and all the rest of the things that kids talk about, but I think they probably unpack some of what they're going through with their friends. They are also wanting to make a difference. So we're trying to figure out what does that look for them to make things good in the community they live in.(15:42):So that's the first area is parenting. I don't know if you guys have anything to add advice to give me on that, but I think the hardest thing for me is what do we do with our children? What do we do with a generation that is growing up, watching their government step over so many boundaries, doing things that are completely illegal or unethical or dangerous for our society and feeling like, Hey, we're living in a time, I know a lot of people posted the quote from Ann Frank talking about what was happening in their streets. And I'm like, yeah, my kids are watching that. And I don't know how they're processing it or where they see their faith in the midst of that. I mean, luckily we have an amazing church. We talk about stuff like that all the time. So I mean, yeah, the mayor goes to our church and the pastor's an amazing person, and we have lots of civic leaders and law enforcement in our church. So I think they're watching, they're able to have some mentorship in that area, I think because spoken about from the pulpit, but man, being little must be really hard right now.Danielle (17:09):Maybe we don't need to press too fast, even though we're in a podcast right now. I think it bears the weight of just a little bit of space to just hang with that comment. I have older kids than you. As recently, I told my 20-year-old son who we are not suffering yet, the street raids. For some reason, Seattle hasn't been the focus point yet, but he did lose his federal aid and his Pell grants and everything for college this year. And so him and a lot of other kids had a significant do have a significant college tuition to make up. And we were talking about it and I was like, well, this will be the normal for you. This will be what's normal. This will be what's normal for our family. And my husband actually stepped in and said to me in a moment of despair and lament, because my son wants to be a music teacher.(18:21):He said to me, he's like, but you always tell me nothing's impossible. We can figure it out. And I was like, yeah, I do say that, but I don't believe it right now. He is like, well, he's like, I believe it right now. So I don't know what it looks like to come up with an extra for us. It's an extra $6,000, so we don't have the money yet, but what does it look like? But I think it goes back to that sense of finding some balance with our kids of what's real, what's not giving. What I hear for you, Sandra, and I'm kind of fumbling through my words, so maybe Jenny can step in, but offering our kids the validation of their reality that's so important in age appropriate and the different steps we're in the validation of reality. But I also find myself searching and grasping for where's the hope? Where are the strands of faith for our family? Where are the strands of hope searching for? Like you said, what are the practical actions your boys can do that also kind of I think plant seeds and generate hope in their hearts when we can step out and do actions?Sandra (19:43):Yeah. No, I think the hard part is I can't promise them things will get better. I can't promise them there's going to be an end to genocide in Palestine. I can't promise them. I keep telling everyone, when we pray at night and we talk about our days and stuff, and I just tell 'em, we, my husband and I tell 'em, and the only thing we can promise you is that God is with us. And I think the reality is when you've had proximity to our global siblings, that suffering didn't just start two Octobers ago or even for our own families. The suffering as my African brother once told me at a conference, he said, what do you mean when we suffer? Life is suffering and suffering is life. Or if we suffer, someone said, yeah, if we suffer, it's like some pretty from the west if we suffer.(20:35):It's like no, life is suffering and suffering is life. So I think part of it is we have within our story as people who follow the Jesus way, we have a story of people who have really always suffered. The story of scripture is a story of marginalized, persecuted, displaced people that are wandering in a land looking for home. And in those stories, you find God's presence with them. You find the worship of their creator. You find moments of joy, rhythms of feasting and fasting. You find all the traditions we do now that come out of the story of the people. So I can tell them, baby, I can only promise you that God is with us the same way that God was with, we go through the stories and the same way that God has always been with the black church in America, the same way that God has always been with our Latino community, the same way that God is with our siblings in Gaza, God is with us.(21:35):And so it doesn't take the pain away, but we can know that God is there. I try to teach my kids, lemme tell you, this is so bad parenting. Sorry, you can cut this out if you need to. But the other day we were praying for our country and I said, God, I just pray. Pray for Trump. I pray God, either you would change his heart or you would help him to go to sleep and just not wake up tomorrow. And then my son was like, I can't believe you prayed that prayer. Mom, I can't believe you said that. That's such a bad prayer. I was like, have you read the Psalms?(22:12):I was like, tonight, let's read a psalm. I'm going to read to you what David prayed for his enemies. And just because the Bible calls us to love our enemies and to see them as human does not mean we cannot pray that they will fall asleep. And so I said, I'm not saying I'm going to do anything bad. I know my phone's listening to me right now. I'm not saying I'm going to take matters into my own hands. I'm just saying I wouldn't be sad. That's all. And he's like, he just could not get over it because, and he just kept digging. Papa, Papa would never pray a prayer like that. He would never, I said, Papa hasn't read the Psalms. I read the Psalms. I know exactly what the Psalms say. And I was like, and the thing is because God is for good, because God is against evil and because God knows my heart, he knows God knows how much I love him, and I'm asking him to please take this evil away from our neighborhood.(23:04):Please take this evil away from our country. Please take this evil away. We're living in evil times, Terry. These are bad times. And this is not only a bad person. This is somebody that's raising up all of the badness to be allowed. And so I'm going to pray that prayer every day. And I know that you think it's not good, and I'm so sorry, but tonight we'll read the Psalms. Then that night we read some Psalms. I was like, see what David prays for his enemy. I said, and the thing is, God is there with us in our prayers. He's not like, what? I can't believe she cussed. I can't believe she said that bad. I can't believe she want to be friends with this guy that's too evil. And so I think part of it's processing faith with them. It's like, I don't know what kind of, let's just talk about Jesus and what he said. Let's talk about what the Bible models for us and prayer. Let's talk about It's okay to be mad. It's okay. It's okay to want evil to end. It doesn't mean we take things into our own hands, but it's okay to want the evil to end. And so those are the kinds of conversations where I go home, I'm like, okay, let me just look at my stuff. Is that wrong? Is that theologically correct? I called my husband. Do you think this is theologically okay? Am I mal forming our children? But I feel like it's an okay prayer, isn't it an okay prayer? Those are the kinds of things that are happening. I don't know,Jenny (24:37):I mean, I am not a theologian, but I think it's an okay prayer to pray. And I'm just thinking about, I've had two thoughts going through my mind, and one of course I couldn't and wouldn't want to put on some type of silver lining and be like, kids are going to be fine. They're resilient. And something that we say in the somatic trauma world a lot is that trauma isn't about an event. It's often about not having a safe place to go in the midst of or after an event. And what I just keep hearing is you making yourself available to be a safe place for your kids to process and reimagine what moving through this moment looks like. And also holding that in families that are being torn apart, that don't have those safe places to go in this moment. And I think part of what we're experiencing is this term, the boomerang of imperialism, as you said, these are not new things happening to families all over the world. And the ricochet of how we are now experiencing that in the heart of the empire, where I find my sense of hope is that that is the sign that the snake is eating its head and it will collapse. And I believe in rebirth and regrowth and hope that we can create a world that is different than a world that builds empires that do this to families. And as where my mind goes.Sandra (26:39):Yeah. And I think for ourselves, for our children, for in the work that I do with chasing justice with activists, it's like the only thing I can do, I'm not going to be able to change the world. The only thing I can do is change the little world that I'm in. So what can I do to make a difference and make things good in the world that I'm in? And so it boils down to very, very practical, tangible, embodied unfancy. Things like calling your neighbors and checking in on them to see if they need you to take their kids to school, finding out if everybody got home, okay. When there was a raid in a particular area, asking, or not even asking, but dropping food off for people and saying, Hey, we made a grocery room. We just thought we'd pick up some essentials for everybody.(27:27):Because part of it too is how do you do that without asking your, how do you help your neighbor without asking your neighbor their status? And that's not appropriate. And how do you help your neighbor without assuming they don't have money or making them feel like some kind of project? And so I think part of it is figuring out how to practice mutual aid in ways that are communal that just says, Hey, we picked up this. We figured this week we'd drop it off to five different families, and next week we'll do five other families. Who knows if they need it or not, but at least they know you're thinking of them. I think something you said about trauma, which I think is really important when you work in communities where you have communal, collective, complex generational trauma, which is we're just always living in this.(28:19):I have status, so I don't worry about leaving my home. I also am white. I'm a white Latina, so I'm not like, well, maybe they'll pull me over. Well, I don't know. But I know if I was browner my other family members that would definitely be like, please carry a copy of your passport and your ID at all times. But now I don't leave the house without, I used to leave the house with my keys and my phone, maybe a wallet. I don't know where a wallet is. Now I'm like, oh, I better have my ID on me(28:48):Mostly because if I intervene, I'm afraid if I get arrested, I won't have ID on me. But I think about all the ways that you have to leave the house differently now. And this is for people that they already felt vulnerable in their TPS, in their temporary protective status status or in their undocumented status or in their green card holder status or whatever status they had, that they already felt vulnerable in some way. And now if they don't go to work, their family doesn't eat, so they leave the house. But how do they leave the house? If you go to school every day and you're wondering if your parents are going to pick you up because now you're aware you have this emergency family plan, what does that feel like day in and day out, decade after decade to feel vulnerable? That kind of trauma is something I don't understand in my body, though I understand it as a concept.(29:47):It's the trauma of feeling vulnerable at all times of sending your kids out into the world. And because our US Supreme Court and because our government has decided it's okay to racially profile people, so I keep telling my mom, you better not be speaking Spanish at Target. She's bilingual. I'm like, please do not speak Spanish at Target. Do not open your mouth. And I would never have said that ever in the past, super proud of being a Latina and being bilingual, but I'm scared for my mom. And so I'm checking in on family members who have vulnerable status. I'm trying to find out if everybody's okay. So I think there are, it's like I told my husband the other day, and the car was like, can you imagine having this kind of fear day in and day out for decades at a time in a country and building a life?(30:44):And all of a sudden, many of our DACA recipients or young undocumented folks that are in college, all of a sudden they're not going to finish their degree. They're now in a country they don't even know. They didn't grow up there in a language they don't understand or their spouse is missing. And now they don't know if they're in Swatee, they don't know if they're in Mexico. They don't know where they are. And so I think that, I don't know that I fully understand what to do about that as a neighbor or as a pastor, but to say there must be something within the community like some gift or strength or accessing that helps them endure that kind of trauma when they cannot reach out for help.(31:44):My brother also told me the other day, he's an ER doctor. He's like, man, the county ER is so empty right now because people go to the county hospital for services when they don't have insurance. And many, many of them are Asian, south Asian, Latino, and African immigrants, and now they're not going or Ukrainian or Russian or whatever. So now it's emptiness and churches. Some of our churches are used to be 300 people now. There's like 40 people on a Sunday. So the reporting that I'm hearing from, whether it's the hospitals or just the stores, if you drive down our street, it's like empty nest. It is never empty. There's always people walking around on the street, whole family is going grocery shopping now. There's just nobody out. It's like a ghost town. Nobody's leaving unless they have to leave. And so it changes the feel of a community. It changes the environment. People that need access to healthcare aren't going for their follow-up appointments or their treatments because they're afraid to go to the hospital. People that would normally go to law enforcement if there's domestic violence or something happening, which already would feel very, very difficult to do, are unwilling to do it because they're afraid to leave and afraid to report to any law enforcement. Even in a sanctuary city.(33:18):I don't know what's happening to these families that aren't going to school. I'm assuming that the school has some kind of e-learning doing for them or some kind of packets they're making for the kids in the meantime while they're missing school. But there's all these things that daily rhythms of life that aren't happening. And so for many of us are like, I don't feel like going to church today. Oh, well, I feel like I'm many Sundays. I don't feel like going to church for other people, the privilege of attending worship in a congregational setting is something they'd love to have that they just can't access anymore. And so there's all these things that have changed about our daily reality that I don't know if we're going to fully understand how that's impacted us until years from now. We just don't see an end to it. We're not sure when this is going to end.Danielle (34:13):I have a flurry of thoughts going through my mind as you're speaking. One is when I did a consult with my analyst that I consult with, and we were talking about anxiety around different things with clients, and she was like, well, that's not anxiety, that's terror. And this person should feel terror because that's the reality.(34:45):That's not a pathology. So that's number one just in the therapy world, we don't want to pathologize people for feeling this terror in their bodies when that's actually the appropriate response. When immigration is sitting outside on your street, you should feel terror. Your body's giving you the appropriate warning signal. So I think about just even the shortcomings of Western psychological frameworks to address what's happening. We can't pathologize. It's not about prescribing enough medication. It's not about that. I do think you're right. I think there's some sense of, I've even felt it in my own body as you talk, a sense of, I'm going to engage what Sandra's saying and I'm also going to separate myself just enough in case that happens in Seattle so I can be just distant enough. So I got to get up, I got to eat. I got to feed my kids, I got to make sure everything's happening, got to go to work.(35:40):So I can almost feel it happening. As you describe it, we call it dissociation in psychology world, but in my analyst world, she would call it a psychic retreat, which I really like. Your psyche is kind of in a battle. You might come back from the front line to preserve yourself. And that's kind of how I think of the collective mentality a bit come back from the front lines in certain ways. So you could preserve, I need to eat, I need to sleep, I need to drink some water. I need to breathe air. So that's one thing I'm thinking about that's maybe collectively happening on multiple levels. The other thing I'm thinking about is if you're listening to this and you're in a body, even mine, a same as you, like a light-skinned Latina, white Latina, and our family has a lot of mixed identities and statuses, but if you're not in one of these situations, you can help mental health by going out and getting shit done.Sandra (36:50):Yes, absolutely. Get it done, get it done, get it done. It's like show up, put yourself. I think that's half the battle is how do we show up in spaces? I think white folks have to ask themselves. That's why all the protests, it's like, yes, it's diverse, but it's a whole lot of white people.The reason is because a lot of black folks, brown folks, vulnerable folks, we're not going to put ourselves in a position where we can have an encounter with law enforcement. So one of the things I have to say, talking about church, one of the things our pastor said the Sunday before, not the No Kings, but the immigration protest, it was like maybe a month ago, he said, listen, some of us should not be at that protest because we have a record, because we are prone to be maybe, what is it called? Oh my gosh, we're prone to be singled out by the police. We should not be there. We should pray. We should stay at home. We should host people when they come back and feed them. We should not be there. Others of us, we should be there. And you know who you are.(37:55):And so I think that's part of the discernment, which I think that's literally, it's half the conversations I'm having with people is should my children go to this protest? I fully intended to go to the No Kings protest with my full family, all of us. And I also saw these amazing alternatives like a rally for families and children. And so all these parks all over the city of Chicago, which again, were an amazing city, they had all these alternatives for if your child, someone in your family does not do crowds well, right? You're immunocompromised or you have anxiety, or I thought about, oh, maybe we shouldn't take my son to this protest. Maybe he's going to actually get an anxiety attack. Maybe we should go to this. So we had all those options till the very last minute we're decided to go to Kids Rally, but there were options for us to show up.(38:43):So when you can show up, show up if your neighborhood, there's a ton of activities in, I hope other cities are doing this too, but they're packing these little zines and these little whistles and they're telling people what to do. It's like, okay, now there's this Instagram blast about, oh, the ice is over here, and everyone shows up in their cars and they all honk their horn. You can show up in a neighborhood, honk your horn, you can blow a whistle. And we're fully intending to give away free whistles for every person that buys. The people are not a legal t-shirt for chasing justice. We're like, have a whistle. Get ready. If anything, even if you never blow that whistle, no ice in your town, you're trying to show people that I'm prepared. I'm prepared to raise my voice for you. I'm prepared to show up for you.(39:34):And so it ends up being maybe an artifact or a symbol of our willingness to ally if the time should come. But yeah, some of us, we have more privilege and showing up because I definitely have two lawyers in my speed dial right now because my husband knows that I'm prone to show up in spaces and say things that maybe will get me in trouble. So we had a meeting with a lawyer three weeks ago. He's like, please tell me what to do if my wife gets arrested or if something happens to a neighbor or he's just prepared our community block club emails and texts and signal threads. We have rapid response ready things that are rapid response. So it's like, Hey, where do you see something? I see this is the license plate. Here's a video. I saw just even informing people and praying alongside of one another.(40:29):So we have this group of pastors we gather called Pastors Rabbis and Imams called Faith Over Fear. And so in this group, someone posted like, look at Ice was heavily in our neighborhood. They said arrests that were made or the people that were detained. This is the situation, let people know. So we're just letting people know this is what's happening. Teaching people to use their phones to record everything and anything they can always being ready to show up. So I'm the type of neighbor that would anyway, if I would see law enforcement pulling over a young black or brown man, I would pull the car over and I would get out of my car and I would say, hi, I am Reverend Sandra and I'm here. I live down the street. I'm wondering if everything's okay. Here is everything. And the reason is just to show them that I'm watching. They said, no, everything's fine. I said, okay, I'm just going to sit in my car. Let me know if you need something because I'm letting them know that I'm watching.(41:37):And so I think part of it is the accountability of a community. And I love to see the walking school buses, the ride shares that parents are doing the grocery dropoffs because you can't stand in the food pantry line anymore. The GoFundMe's for particular legal fees, the trying to utilize your networks to find out if you can figure out what district or what holding location you, your loved one would be in offering mental health services. Like, Hey, here are the three organizations that do group therapy or circles or there's going to be a meditation and yoga thing offered at this center. A lot of them have a lot of embodied practices too. So I think those things are great. But yeah, we still have to, we're still living life. We're still submitting book reports for school, we're still having birthday parties and christenings, we're we still black and brown communities have been living through trauma for so long, they can't stop living.(42:53):So the question is how do we invite one another to more wholeness in our living, within our own communities, and then how do we help one another? This is affecting everybody. It's affecting not only Latino communities and not only Asian immigrant communities, but it's also affecting black communities because there's more enforcement and they're not more law enforcement and they're not necessarily targeting black communities, but where there are brown communities, sometimes there are black folks also. And so it's impacting them in just the militarization of our city. I mean, everywhere you go, there's just people marching with weapons and it could be Michigan Avenue in the shopping area downtown near the Bean, or it could be in our communities. And so I think how people are trying to, I think a city like Chicago, because it's got such a rich tradition of community organizing and community development and advocacy, I think it's very set up for what can I do in my world for my neighbors?(44:08):And then for those of you that aren't in Chicago, I think knowing which organizations are doing fantastic things, I think that's really helpful. Within the faith and justice space, I think organizations like New Life Centers that are kind of spearheading some of the new neighbors initiatives already, but they're doing this whole care system for, they're already new neighbors from Venezuela, Ecuador, and Central America who are now more vulnerable. And so they have systems in place for that. There are organizations live free Illinois who are doing more of the advocacy, raising awareness stuff. I can give you a couple, I can put in the show notes, but I think there's organizations that are doing fantastic work. Some people are just, I have a friend who's in Houston who's just like, there's a refugee family who's vulnerable right now and I need to take them groceries. Who wants to give Venmo?(45:06):Me? I think you have to trust your friends aren't going to go out for a nice rooftop beverage and 300, $400 later. Then there's groceries for this. So it's like you may not know anyone, but you may know someone who knows someone who's vulnerable. And so maybe you just are giving money to, or maybe you, I've had people send me money and be like, Hey, maybe someone who needs something. And I'm like, great. And we little, we put it cash and we put it in our car and when we need it, we help a neighbor who's in need. I think I'm calling our friends to, another one I thought of was calling our friend, inviting our friends to action. So sometimes I don't think it's that we don't want to do anything or that we're unwilling to do something. It's that we just feel so stunned. So that news that came out this week in Houston about the 15-year-old autistic boy who was taken by ICE and who has the capacity of a 4-year-old, and I was thinking about him all day long. So I just started pinging all of my friends in Houston and Austin and Dallas. I was like, anybody in Texas? I have a lot of friends in Texas. I'm like, not just, Hey Texas, do something directly. Sending it to them and saying, what have you done?(46:28):Is there a number you can call? Can you gather your small group? They're always asking, I don't know what to do. I don't know what to, I'm like, so I was like, I have something for you to do, and it's in Texas. I'm like, do you know what's happened to this kid? Is he back at home? Can you do something? Is there a GoFundMe for the parents? So I think when we're activated in small things, we develop the discipline of just being activated in general. So it's like if there's a thing that somebody invites you to give to and you give to it, then you get into the practice of giving.(47:06):If you don't start well, then where is it going to happen? So we're thinking right now, I dunno about you guys, but there's nothing in me that wants to do anything fancy right now. I rest for sure. We went to Michigan, we walked around, we took hikes. It was great. It was super free because we stayed with a friend. But there's nothing in me that's like, let me just plan a fancy vacation right now. It's not in me. And I think part of it is, it's almost like a detoxing from an American consumeristic way of seeing celebration and rests. I don't need fancy things to have rest. I don't need, doesn't have to be expensive. I don't know who came up with this. And I think it's a sensibility in us right now, and I've talked to a couple of friends about it, but it's like it's a sensibility in us that feels like it's really tone deaf to start spending a whole lot of money right now when there are so many needs in the world. And no, we can't give away our whole salaries, but we might be able to give more. For example, I don't think our friend should be saying, Hey, my son can't go to college this year. He needs $6,000. I think somebody in our friend groups could be like, actually, I am getting a bonus of $12,000. I'm going to give you three. We should be able to do that for those of us that have access.(48:27):And there are many people who have access, many other people who think they don't have money, but they do. And I think if we invite each other to say, Hey, I want to give to this person's legal fees, or I want to give to this person's college fund, or I want to give to will you give with me? And we are practicing then the kind of mutual aid that's collective that I know our grandparents did for the Latino culture, it's like the RIA system where y'all put the money in every month and every Monday the month. So it's like Koreans do it too. It's like everybody gives a hundred dollars a month and all goes into this pile and every month that pile of money moves around. So it's like our way of providing, I think there's a lot more we could be doing with our money that would give integrity to our voice. And I see a lot of talking and not a lot of sharing.Danielle (49:34):It's so true. It's a lot of talking and it's like, I think we have to get over that old white supremacy norm. If you see somebody on the street, you got to buy them food. You can't ever give them cash. That story rings through my mind as a child and just sometimes you just got to load up the cash, send someone cash for dinner and send someone cash for, I don't know, whatever they need, a bus fare or an airplane ticket or find the miles in your community if someone needs to fly somewhere. Just all these things you're talking about, we kind of have to just get over the hump and just say, Hey, people need help. Let's just go help.Sandra (50:12):And for some of us, I think it's particularly of those of us within our community that are no longer congregating at a local church. I don't know. Did you think the tithe justI think the call to generosity is still there. Whether you want to call your church a local formal traditional church or not, I would hate, I would've hated in our season that we were churchless to have stopped giving out would've been a significant amount of money that would've stopped going out. We still got salaries that year. Well, at least Carl did. Carl got a salary. So I'm like that invitation to generosity, at least at the bare minimum, at the bare minimum, 10% at the bare minimum that should be going out. And so the question is, what did all of us that left churches do with our 10% not to be legalistic because really we should be giving more. The question is, what am I allowed to keep? And for people making six figures, you need to be asking yourselves, why do you need six figures if you don't? Because most of the people, even in places like Seattle and Chicago, are living off of $50,000 a year. So I think as much as we need to ask our government to do well and be integrous in their budget, I think we need to think about that as a place of, and I say that not because I think it's going to solve the problems in Chicago, but I think that money does actually sharing does actually help some people. They haven't eaten.(52:06):They just haven't eaten. We know families whose kids don't eat.Jenny (52:19):Just thank you. It's been really important and meaningful to have your voice and your call to action and to community. I don't take lightly sharing your story and how it's specifically showing up in your community and in your own body and in your own mothering. So thank you for speaking to how you are practicing resilience and how we can think more about how to practice that collectively. It's been really, really good to be here. I am sorry I have to jump off, but thank you Danielle. I'll see you all soon.Sandra (53:23):Yeah, I mean even if you were to think about, you may not be able to provide for anyone, but is there someone in your ecosystem, in your friend group that could really use four sessions of therapy that doesn't have the finances to do so? Or that could really use sessions of acupuncture or massage therapy that doesn't have the money for it, it doesn't have insurance, and of someone who's willing to work with you on that as far as providing that for them. So I think even at that level, it's like if we had to put ourselves in someone else's shoes and say, well, what I want for someone, how would I want for someone to help me without me asking them? I think that is the biggest thing is we cannot, I don't believe we can rely on a person's ability to say what they need.(54:27):I mean, you've had stuff happen in your life. I've had health issues in my own family and problems with my family, and when people are like, oh, how can I help? I'm like, I can't think about that right now. But if a plant shows up at my house that is bringing me joy. Someone just sent me a prayer plant the other day. It's literally called a red prayer plant or something. I was like, yes, I love this. Or if someone buys dinner for my family so I don't have to cook for them, I can't stand up right now. Or if someone said, looks in on me and says, Hey, I know you guys can't be out and about much, so I just wanted to give you some funding for a streaming service. Here you go. Whatever they use it for, that's up to them. But I think to let someone know that you're thinking about them, I think is easy to do with baking something for them, sharing something with them, taking their kids for a few hours.(55:31):Because what if they just need a break from their children and maybe you could just watch their kids for a little bit, pick them up, take them to your house, watch them for a little bit. So I think there are ways that we can practically help each other that again, will make a world of difference to the person that's there next to you. And as always, calling your senators, writing letters, joining in on different campaigns that organizations are doing for around advocacy, checking in with your local city officials and your parent teacher and your schools, and figuring out what are we doing for the kids in our school even to be informed as a neighbor, what is it that our school's doing to protect our families and children? I think those are all good questions that we should always be doing and praying for people and praying specifically. We do that as a family. I think sometimes I don't know what else to do, but to say God to help.Danielle (56:35):Yeah, I mean, I have to go now, but I do think that's kind of key is not that God isn't going to intervene at some point practically, I think we are that active prayer answer for other people we're that answer. I'm not saying we're God, but we're the right. Yeah. Yeah. And just to step into that, be that answer, step into loving when it says, love your neighbor actually doing it and actually showing up and maybe loving your neighbor isn't bringing them dinner. Maybe it's just sitting down and listening to how their day went. Maybe you're not a therapist, maybe you're just a friend. Maybe you're just a community member, but you can sit in and you can hear how rough it was for that day and not take up your own space emotionally, but just be there to listen and then give them a hug and hang or leave. There's a lot of ways to show up and yeah, I'm challenged and want to do this more, so thank you. You'reSandra (57:36):Welcome. Thanks for having me.  Well, first I guess I would have to believe that there was or is an actual political dialogue taking place that I could potentially be a part of. And honestly, I'm not sure that I believe that.

Wahoo! Episode 200 is here and we're celebrating with a special live episode with Ria Brodell! Ria gets into how they create each portrait and biography, why art brings us closer to one another, and the gifts and challenges of the archive. They also discuss the responsibility of the artist in representing the “underhistoricized” as Chris Vargas calls it in the introduction to the volume. Plus, questions and answers with the live audience! Learn more about Ria Brodell at https://www.riabrodell.com/ Pick up your own copy of More Butch Heroes from All She Wrote Books or your local bookstore. And, make sure to check out our first conversation about Butch Heroes with Ria for Episode 63: Reclaiming our right to exist! We'd like to extend a special thanks to All She Wrote Books in Somerville, MA for hosting us. Please consider picking up a book or two from an inclusive bookstore! Please consider contributing to In Our Own Voice: National Black Women's Reproductive Justice Agenda, “a national-state partnership that amplifies and lifts the voices of Black women leaders to secure sexual and reproductive justice for Black women, girls, and gender-expansive people.” We support and appreciate their imperative work and hope you will join us. Show us some love by giving us a 5-star Review on Apple Podcasts, Spotify, PodChaser, or wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

On a new episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth share insights on the RIA business model and why it continues to attract both advisors and clients. They highlight how the number of RIA firms has doubled in the last 20 years, reflecting major shifts in how people want to work with financial professionals. With a focus on trust, transparency, and real relationships, they explore what makes the independent model so appealing today. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On this TCAF Tuesday, Josh Brown is joined by Nick Colas and Jessica Rabe of DataTrek Research to discuss: the key to understanding Q3 reporting season, the seasonality of S&P highs, a financial analysis of Big Tech, and more! Then at 39:40, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors   Sign up for ⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

FALL TOUR TICKETS > www.barstoolsports.com/events/bestshowonearth. Noah is finally 30! (00:00-6:08). Fran went to a Royel Otis concert (6:09-12:50). Ria was attacked by a child (12:51-26:19). John Mayer & Kat Stickler are reportedly dating (27:28-37:29). Charli XCX talks working with Jack Antonoff on music (38:21-50:09). ‘Bachelor Mansion Takeover' show coming to HGTV (50:10-54:40). Joe Gorga is willing to forgive Teresa Giudice (54:41-59:02). PopCorner voicemails: Robert Irwin for Bachelor?, 'Love Island' fatigue, Popstars copying Britney Spears? + more! (59:51-1:14:28). Interview with Lukas Gage - talking his new memoir, owning his sexuality, Euphoria, The White Lotus + more! (1:15:20-2:01:26). CITO LINKS > barstool.link/chicks-in-the-office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/chicks-in-the-office

– The RIA Podcast with Seth Greene Episode 226 Brett Meyer The future of small cap investment is in active ETFs—and Toll & Co. is at the forefront. Brett Meyer, CFA, FRM, Head of Capital Formation at Towle & Co., explores the firm's small-cap value strategy. With over 43 years of success, Toll & Co. focuses on undervalued, cyclical companies, using a disciplined approach that makes it a unique player in the investment world. Brett shares how their strategy fits into clients' portfolios and the firm's recent foray into active ETFs, which aims to enhance investment opportunities.Listen to this insightful RIA episode with Brett Meyer about how Small Cap strategy can complement your portfolio.Here is what to expect on this week's show: The unique small cap value strategy that Toll & Co. has run for over 43 years The growing role of active ETFs in investment strategies Why small cap and value strategies may be set to make a comeback The differences between ETFs, model delivery programs, and separately managed accounts The importance of understanding investor preferences and evolving trends like ESG Connect with Brett:Links Mentioned:Website: https://www.towleco.com/ Towle ETFs: https://www.towleetfs.com/ Guest Contact Info: LinkedIn: https://www.linkedin.com/in/brett-meyer-cfa-frm-b612461/ Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 433 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss the melt-up phase of the AI boom, there is a bubble in bubble predictions, no one is going to call the top, hyperscalers vs. the labor market, international stocks are outperforming, Taylor Swift, junk stocks, the top 1% vs. the bottom 90% and more. This episode is sponsored by Betterment Advisor Solutions and Vanguard. Grow your RIA, your way by visiting: https://Betterment.com/advisors Learn more about Vanguard at: https://www.vanguard.com/audio Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

FALL TOUR TICKETS > www.barstoolsports.com/events/bestshowonearth. Intro (00:00-7:01). Ria's review of reality competition show ‘Inside' (8:25-22:08). Nicole Kidman & Keith Urban divorce (23:06-32:56). AI actress Tilly Norwood sparks backlash (33:57-44:21). Inside details on Selena Gomez & Benny Blanco's wedding (44:22-50:04). PopCorner voicemails: ‘Bachelor' franchise double standard?, ‘TSITP' prequel?, Will Zac Efron be in the ‘DWTS' audience?, Should Charlie Sheen & Denise Richards give it one more shot?, + more! (50:43-1:10:35). CITO LINKS > barstool.link/chicks-in-the-office.