Edelman is a leading global communications marketing firm helping business and organisations evolve, promote and protect their brands and reputations.
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Ric Edelman is the nation’s most acclaimed financial advisor, the #1 New York Times bestselling author of 11 books on personal finance with more than one million copies in print in seven languages, and founder of the nation’s largest financial planning firm, ranked #1 for quality by Consumer Reports. Every weekday, Ric gives you the information you need about the five personal finance topics that matter most today: longevity, retirement security, exponential technologies, digital assets, and ...
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İletişime dair her şey...
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es como no otra. Cover art photo provided by Edgar Castrejon on Unsplash: https://unsplash.com/@edgarraw
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In the next decade, traditional bathroom fixtures will transform into advanced smart devices capable of monitoring health, enhancing relaxation, and providing a seamless, voice-activated experience, revolutionizing personal care in our homes. #SmartBathroom #HealthTech #FutureOfWellness #BathroomInnovation #ToiletTechnology #AI #AugmentedReality #V…
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Sideload x AfriChats #70 - Africa's Tech Capital
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This episode of Sideload is a collaboration with AfriChats - Edelman's big conversation with African thought leaders. We're discussing Nigeria, often called Africa's tech capital, and exploring the innovators, tech sectors leaders, and what the rest of the world can gain from paying close attention to this rapidly expanding scene. Our guest is Kwam…
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9/27/24: We've Suffered Through Inflation...Will We Now Face the Dangers of Deflation?
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While inflation concerns linger, the energy sector faces a deflationary pressure from overproduction, particularly in solar energy, leading to lower prices but threatening the profitability of producers and overall economic stability. Plus, a listener's discovery of a seemingly valuable airdropped crypto token raises red flags, and Ric warns it may…
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9/26/24: 23% Cut in Social Security Benefits Starts in 2034
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The Congressional Budget Office now projects that the Social Security Trust Fund will be depleted by 2034, highlighting a critical and ongoing financial challenge. With benefits potentially cut by 23% for retirees, the need for Congress to address the sustainability of Social Security is urgent, particularly as many Americans rely on these benefits…
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The discussion around Central Bank Digital Currencies (CBDCs) is becoming increasingly contentious in Congress, with some lawmakers opposing government-issued digital currencies while others see their necessity as the global landscape evolves. As countries worldwide advance their CBDC initiatives, the U.S. risks falling behind unless it adapts to t…
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AI's rapid advancement is causing significant job cuts across major companies, with UPS, Google, and BlackRock among those impacted, raising concerns that it could automate 300 million full-time jobs globally by the decade's end. Despite potential benefits, over half of Fortune 500 companies view AI as a substantial risk, particularly in media and …
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Artificial intelligence is making significant strides, with Microsoft providing ChatGPT-4 to the U.S. government for classified national security use. Researchers are exploring multi-agent systems, where AI teams collaborate autonomously to solve complex problems more effectively. Meanwhile, major tech companies are investing heavily in AI infrastr…
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9/20/24: Losing Your Mind Over a Hot Dog
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Ultra-processed foods, like hot dogs and chips, have been linked to an increased risk of dementia and cognitive decline, highlighting the importance of mindful eating. Adopting a healthy lifestyle—focusing on natural foods, exercise, and mental stimulation—can significantly reduce this risk and promote better brain health. Plus, an ETF to create a …
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9/19/24: The $10,000 Dorm Makeover
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An interior designer specializing in college dorms, highlights a trend where students now spend an average of $10,000 on dorm furnishings—more than their tuition. This lavish spending contrasts sharply with the rising rates of grade inflation, where students achieve higher GPAs while studying less. The phenomenon raises concerns about entitlement i…
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9/18/24: So You Think You Know Who I’m Voting For?
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In the run-up to the 2024 elections, I find myself undecided due to troubling aspects of both Donald Trump's associations and Kamala Harris's proposed economic policies. Trump's ties to controversial figures and Harris's potentially destructive tax plans on unrealized capital gains have left me questioning both candidates' suitability. As I grapple…
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Since 2000, there has been a significant rise in deaths and serious illnesses related to high blood pressure and obesity, affecting even younger people. But there is a growing shift towards healthier lifestyles, including reduced alcohol consumption and an increase in the popularity of non-alcoholic beer. Adopting a healthy lifestyle, including reg…
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9/16/24: Why Stablecoins Are the Hottest Thing in Crypto
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Stablecoins like Tether and Circle are providing a stable alternative to traditional investments, offering a secure way to store value and facilitate global transactions. As Wyoming prepares to launch its own stablecoin and discussions around Central Bank Digital Currencies (CBDCs) grow, the crypto landscape continues to evolve rapidly, despite Bit…
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9/13/24: Is Your Plan to Fund Your Retirement Based on the 4% Rule?
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The traditional 4% withdrawal rate from your investment savings may not last your lifetime, as you may be living to 100 or beyond. Plus, Ric discusses a variety of topics helpful to financial advisors with two leaders in the field. And Ric explains Donor-Advised Funds and endowments to a listener. #IdealClientProfile #ClientFocus #FinancialPlanning…
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The use of digital twins is now impacting every aspect of our daily lives. How does that impact you? And Ric explains the math behind the decision whether to get (and keep) Long Term Care insurance. #DigitalTwins #TechInnovation #FutureOfHealthcare #PersonalizedMedicine #AIInMedicine #ClimateModeling #FinancialRisk #DigitalTransformation #SpaceTech…
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9/11/24: Why Expensive Insurance is a Bargain
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There just may be a silver lining in the nation's rising insurance premiums, plus last night's presidential debate may do little to influence the decisions of uncommitted voters. And don't miss today's webinar at 1:00pm EDT on the impact of an expected reduction in interest rates. #DebateNight #KamalaHarrisPerformance #TrumpDebate #Election2024 #De…
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9/10/24: Are Children Hazardous to Your Health?
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Countries around the world are addressing low birth rates through innovative measures, such as recruiting immigrant housekeepers and importing students to fill school seats, while in the U.S., increasing parenting stress and financial burdens are contributing to historically low fertility rates and fewer grandparents. Plus, a listener's question ab…
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9/9/24: Ric Answers Your Questions About the Bitcoin & Ethereum ETFs
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Ric addresses a variety of listener questions about the world of cryptocurrency, focusing on the differences between ETPs, ETFs, and trusts, as well as the tax implications of these investment vehicles. He offers advice on whether to invest in Ethereum futures ETFs or switch to spot ETFs. Ric also discusses the impact of the SEC vs. Ripple court ru…
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9/6/24: These Two ETFs Give You Unique Exposure to the S&P 500 and Nasdaq 100
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Ric discusses two important ETFs to consider for both large and small-cap stocks through options in the S&P 500 or NASDAQ 100. This includes a detailed explanation of how to evaluate a company's performance and ROI...before you invest. Plus, Ric answers a listener's question about the relationship of blockchain technology to AI and its role in data…
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9/5/24: Crisis in Academia: 500+ Colleges Close, Stranding Million+ Students
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10:40
Over 500 colleges in the U.S. have closed in the past decade--many abruptly--stranding many students now struggling to continue their education. Financial transparency in higher education remains limited, and smaller, rural liberal arts colleges are particularly vulnerable to closure. Ric's tips on avoiding this dilemma for your college student. #C…
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9/4/24: Did Gensler Just Reveal Kamala’s Crypto View?
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While Donald Trump has stated his views on crypto, Kamala Harris remains silent. Ric explains recent legal action by the SEC and how it may reveal her likely position. #CryptoPolitics #Election2024 #CryptoRegulation #KamalaHarris #DonaldTrump #Economy #Bitcoin #Blockchain #VoterIssues #OpenSea #SEC #DigitalAssets #CryptoCommunity #NFTs #SingleIssue…
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9/3/24: A Roadmap for Voting in the 2024 Election
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Choosing between Trump and Harris...do you prioritize personality or policy? Ric looks at the impact on your financial future and the economy as a whole. Hashtags: #Election2024 #PresidentialElection #Politics #VoterDecision #PolicyOverPersonality #USPolitics #Trump2024 #Harris2024 #EconomicPolicy #VotingMatters ----- Subscribe to podcast updates: …
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8/29/24: Why Do You Still Own Mutual Funds?
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Mutual funds may have been great in the past, but it's time to move on—ETFs offer lower costs, better tax efficiency, and real-time pricing. If you're still holding mutual funds, ask yourself why. Plus, age shouldn't dictate your investment strategy—at 69, staying in the market could be crucial for your financial future. If you're told otherwise, i…
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Despite political division on crypto, developments like BRICS' digital payment system, U.S. government adoption, and rising institutional interest underscore the growing significance of blockchain and digital assets in global finance. And why you need to talk to your financial advisor about it. #Cryptocurrency #Blockchain #DigitalAssets #BitcoinETF…
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8/27/24: New Research Answers the Question: Is College Worth It?
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A new study reveals that nearly a quarter of bachelor’s degrees and half of master’s degrees have a negative ROI, challenging the assumption that college always pays off. Plus, Ric answers a question from a financial advisor about the lack of regulations governing stablecoins like Tether and USDC, which heightens the risk of a financial crisis with…
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8/26/24: Stay, Move, or Downsize?
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11:39
Retirement is approaching for Generation X, raising crucial questions about future living arrangements and financial readiness. This episode challenges you to think ahead and make informed decisions that align with your family's needs and your own long-term security. #RetirementPlanning #GenX #FutureHousing #AgingInPlace #FamilyDecisions #Boomers #…
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8/23/24: This Economist’s Proposal Won’t Solve the Social Security Crisis
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59:39
In this election season, Social Security should be a key topic of debate due to its impending funding crisis, which could lead to a 25% reduction in benefits by 2032. Then Ric and industry experts discuss the challenges of organic growth for financial advisors, noting the shift from individual client acquisition to broader strategies. And Ric answe…
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8/22/24: Iran's Surge in Cosmetic Surgery and 3D-printed Communities: The Expanding Impact of Exponential Technologies
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Exponential technologies continue to revolutionize industries, creating new opportunities and challenges. However, the anticipated great wealth transfer won't be enough to secure retirement for most, highlighting the need for proactive financial planning. #ExponentialTech #3DPrinting #CosmeticSurgery #TechInnovation #FutureTech #WealthTransfer #Ret…
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When planning your will, don’t forget your pets. Protect them by naming a caregiver and setting aside funds to ensure their well-being after you're gone. #EstatePlanning #PetCare #WillsAndTrusts #FinancialPlanning #PetTrusts #LegacyPlanning #PetOwners #FamilyPlanning #LegalAdvice #ProtectYourPets ----- Subscribe to podcast updates: https://form.jot…
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8/20/24: Estate Planning Essentials to Ease the Burden
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Learn how to simplify estate planning and protect your family from future hassles. Plus, a no-nonsense comparison of bitcoin ETFs vs. direct ownership—find out which one might be better for you. #EstatePlanning #BitcoinETFs #FinancialPlanning #CryptoInvesting #RetirementPlanning #WealthManagement #PersonalFinance #InvestSmart #CryptoSecurity #Legac…
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8/19/24: Guess Who’s Living With This 95 Year-Old Woman?
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The profound demographic shifts affecting society: the rising trend of younger generations opting out of parenthood and the financial implications. Plus, the importance of planning for long-term care and insurance costs. #Demographics #Longevity #Parenthood #RetirementPlanning #FinancialSecurity #EggFreezing #LongTermCare #GenerationalShifts #Socia…
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8/16/24: The Huge Difference Between Inflation and the Inflation Rate
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46:00
On today's show, we unpack the real story behind the recent 2.9% inflation rate and why it doesn't mean relief from high prices. Plus the implications for your investment portfolio as the Fed considers interest rate cuts. We'll also look at the new trend in AI scams. Then we shift focus to college planning strategies with insights on how to navigat…
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8/15/24: The Real Estate Reckoning: Is a Replay of 2008 Coming?
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Exploring the risks lurking in commercial real estate, from inflated bond ratings to rising foreclosures, and what this means for your investment strategy. #CommercialRealEstate #CRE #BondMarket #FinancialRisks #InvestmentStrategy #CreditRatings #Foreclosures #EconomicOutlook #InvestmentTips #FinancePodcast ----- Subscribe to podcast updates: https…
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8/14/24: Parents Co-Signing Mortgages Has Election Implications
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The rising trend of parents co-signing mortgages has surprising election implications, reflecting the struggles of today’s homebuyers. Plus, get ready for a fun break with a new film by Ric’s brother that’s sure to bring some smiles. #RealEstate #HomeBuying #MortgageTips #Election2024 #FinancialPlanning #ParentalSupport #RetirementPlanning #Documen…
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8/13/24: The Insurance Industry’s Latest Battle Against Consumer Protection
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The insurance industry is pushing back hard against consumer protection, and your retirement could be at stake. Learn why their fight against the fiduciary rule matters to your financial future. #RetirementPlanning #ConsumerProtection #FiduciaryRule #InsuranceIndustry #FinancialSecurity #WealthManagement #RetirementRisk #PersonalFinance #Investment…
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8/12/24: Beware Those Who Continue to Bash Crypto
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31:35
On today's show: We need to acknowledge the inaccuracies that are being made by some when it comes to crypto. And we need to let people know that it's safe to get in the water. Maybe crypto is risky and dangerous and illicit 10 or 12 years ago. That was then; this is now. You have to ask yourself, who am I going to pay attention to? What position a…
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8/8/24: Freezing Brains: New Research Breakthrough
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11:40
Scientists can now freeze brain tissue and study it after thawing—what could this mean for neurological research? Plus, find out why reverse mortgages aren't the solution for Boomers running out of money. #BrainResearch #Neurology #ScienceBreakthrough #BrainFreezing #ReverseMortgage #Boomers #RetirementPlanning #FinancialAdvice #AgingCrisis #Retire…
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Al Michaels recaps the Olympics, but it might not be what you think. Plus, learn why a Police Chief decided to get certified in digital assets. #Olympics #AlMichaels #AI #DigitalAssets #CryptoCertification #Blockchain #FinancialEducation #TechTrends #Innovation #PoliceChief ----- Subscribe to podcast updates: https://form.jotform.com/22361475158015…
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8/6/24: Ric’s Take on Yesterday’s Market Decline – and a Fortress Option for You
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Ric Edelman on the recent market drop and why you shouldn't panic. Plus, find out if hiring a financial advisor is right for you. #MarketCrash #Investing #FinancialAdvisor #RetirementPlanning #StockMarket #Crypto #Recession #InvestmentStrategy #Economy #PersonalFinance ----- Subscribe to podcast updates: https://form.jotform.com/223614751580152 Ask…
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8/5/24: Crypto Market Crash: Is This a Buying Opportunity?
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17:17
Crypto markets have crashed, but is this the perfect time to buy? Discover why now might be the best opportunity to invest in bitcoin and Ethereum. Plus, find out what I'm doing with my Grayscale Ethereum ETF investments. #CryptoCrash #Bitcoin #Ethereum #Investing #Grayscale #CryptoOpportunity #ETFs #FinancialAdvice #MarketTrends #CryptoInvestment …
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8/2/24: The Link Between Dementia and Financial Mistakes
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37:46
Shocking new data reveals how financial mistakes could indicate dementia. Plus, estate planning trends with Chris Morgan of The Sanibel Captiva Trust Company – and why ETF closures aren't a big deal. #DementiaAwareness #FinancialHealth #EstatePlanning #CognitiveDecline #FinancialSafety #ETFInvesting #RetirementPlanning #WealthManagement #FinancialL…
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8/1/24: The Toll of Caregiving: Surprising New Data
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10:57
Shocking new caregiving stats reveal the hidden costs and challenges caregivers face. Plus, why deciding when to start Social Security isn't as simple as you think. #Caregiving #FinancialPlanning #EstatePlanning #SocialSecurity #RetirementPlanning #Caregivers #FamilyFinance #Dementia #ElderCare #PersonalFinance ----- Subscribe to podcast updates: h…
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7/31/24: Is Your Family Like the Brady Bunch?
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14:58
Blended families bring unique challenges to estate planning. Learn how to navigate these complexities to secure everyone's future. #EstatePlanning #BlendedFamilies #BradyBunch #FinancialPlanning #FamilyWealth #Inheritance #TrustsAndWills #RetirementPlanning #FamilyLaw #PrenupsAndPostnups ----- Subscribe to podcast updates: https://form.jotform.com/…
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7/30/24: Medically Assisted Suicide: A Humane Choice or Ethical Dilemma?
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11:27
Medically assisted suicide: humane choice or ethical dilemma? We'll explore the latest laws and stats shaping this debate. Plus, understanding the real demand for bitcoin and why fears about liquidity are misplaced. #EndOfLifeChoices #MedicallyAssistedSuicide #EthicalDebate #BitcoinDemand #CryptoInvestment #EstatePlanning #HealthcareChoices #Financ…
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7/29/24: The Birth Dearth: What No One's Talking About
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17:49
2064 will be the first year in centuries when more people die than are born. Discover the serious economic consequences of this birth dearth. #BirthRateDecline #EconomicImpact #PopulationAging #GlobalDemographics #FuturePlanning #PopulationCrisis #EconomicTrends #WealthTransfer #SocialSecurity #FinancialStability ----- Subscribe to podcast updates:…
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7/26/24: Why ESG Investing Isn't Worth the Hype
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56:45
Discover the latest in crypto investments from industry leaders at BlackRock, Coin Metrics, and L1. Plus, learn the harsh truths about ESG investing and why redirecting foreign aid won't solve the Social Security crisis. #CryptoInvesting #BitcoinETFs #BlackRock #CoinMetrics #L1 #ESGInvesting #SocialSecurity #ForeignAid #InvestmentStrategies #Financ…
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Knowing when to take away your aging parent's car keys is crucial for their safety and yours. Plus, learn how Social Security funding really works and why it counts as a government expense. #CarKeyConversation #ElderlySafety #AgingParents #SocialSecurity #RetirementPlanning #GovernmentSpending #FamilyCare #SeniorSafety #FinancialEducation #Retireme…
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7/24/24: Forget Self-Driving Cars, Think Self-Flying Aircraft
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13:29
Self-flying aircraft are already here! Learn how China is leading the way with this incredible innovation. Plus, the harsh reality of Boomers outliving their savings. #SelfFlyingAircraft #DroneInnovation #BoomerCrisis #RetirementSavings #TechAdvancements #ChinaTech #FinancialPlanning #FutureTech #RetirementPlanning #BoomerGeneration ----- Subscribe…
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7/23/24: New Tech: Gloves for Messy Eaters, Charging Benches and More
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11:11
Gloves for messy eaters and phone-charging benches are here! Discover more cool new tech on today's show. Plus, how to get started with bitcoin - investing basics. #CoolInventions #TechInnovation #BitcoinInvesting #InvestmentTips #MessyEaterGloves #ChargingBenches #CryptoBasics #FutureTech #InvestmentAdvice #BitcoinForBeginners ----- Subscribe to p…
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7/22/24: Why Biden's Decision Matters to You a Lot More Than You Realize
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12:59
Biden’s decision not to run for re-election showcases an important lesson for everyone. Plus, find out about an incredible new workplace benefit for pregnant employees. #BidenDecision #PoliticalImpact #NewWorkplaceBenefit #ParentingSupport #EmployeeBenefits #OvernightChildcare #RobotNannies #FutureOfWork #ParentalSupport #InnovationInWorkplace ----…
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