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George Wilson learned the hard way that there's no such thing as a free lunch — or, in his case, a free dinner that cost him a chunk of his retirement savings.As a retiree, he regularly received postcards in the mail, offering to teach him about finance and how to make money in retirement. They usually involved a presentation at a nice restaurant, and he would go without acting on any of the investment advice.But on one occasion, Wilson did take the bait after a brochure he received in 2010 inviting him to an evening at Ruth's Chris Steak House ended up costing him $158,000."It was a very good restaurant. And so, of course, it caught my attention," Wilson said in an interview.At that fateful dinner, he enjoyed his favorite top sirloin steak, asparagus tips, and a "fabulous" chocolate cake. He also met David Escarcega, one of the hosts and a broker who would eventually advise him to invest in so-called non-correlated, fixed-income alternative products from the <a target="_blank" class="" href="https://www.investmentnews.com/alternatives/gwg-holdings-files-for-bankruptcy/220355">now-bankrupt firm GWG</a>.Years later, Wilson is still fighting to regain what he lost from that investment. An arbitration decision recently awarded him $267,252 in compensation, including emotional distress damages from the last broker who facilitated the transaction. But the respondent only paid approximately $103,363.40 toward sanctions and the award. After costs, Mr. Wilson will end up with almost no payout, according to his attorney.Fancy restaurants with presentations are a common practice in the industry, says financial planner Michael Murray, adding that there are services that provide mailing lists of people with a certain net worth, and retirees are often on them because it's where wealth tends to be concentrated.But those meals aren't really free, Murray said. They're predominantly set up to sell high-commission products. In GWG's case, brokers earned up to 8% in commissions. What advisors can earn from one of these events pays for the meals and more. Picture a scenario where an advisor signs up $500,000 worth of investments with an 8% commission rate; that's a $40,000 payout. The math is very favorable for those who do this regularly, he added.Meanwhile, invitees feel like the hosts have done something nice for them and there's an implication that they should do something back, Murray noted. "So I think certain people will go to these dinner seminars and almost feel an obligation to work with someone."They're referred to as "free lunch seminars," said Adam Gana, a securities attorney who worked on Wilson's case. They're common in the industry. But Gana says that when brokerage firms offer them, he tells clients to run the other way."We see them all the time," Gana said. "I've represented 3,000 investors over the last 15 years, and in so many of those instances when we're dealing with a horrific product, a non-traded product, a product that's just terrible for investors, it usually starts with a free lunch."<h2 id="74285f86-a363-43ff-b132-9ec411f82f14">Risky business</h2>After the dinner, Wilson and his ex-wife Jean followed up with Escarcega at his office to discuss alternative investment options."We sat down with him, and he went through various opportunities that he could present to us, and we asked for several," Wilson said. "And the one that seemed the most attractive and that he extolled the virtues of the most was GWG. And so we thought about it for several weeks and went back and forth and then ultimately decided to do it."The products were non-publicly traded so-called LifeNotes, high-yield debt securities that paid a 9% monthly interest rate by GWG Holdings, according to documents viewed by Insider. They were based on life insurance policies purchased on the secondary market, with the expectation that death benefits would be paid to GWG's bondholders when the insured died. One brochure, viewed by Insider, advertised them as a "secured investment backed by a large portfolio of high-quality life insurance policies""Escarcega had pitched them as a safer alternative to the volatile stock market that could provide steady dividend payouts while preserving the principal investments, Wilson said."Of course, we want to leave our equity to our children but have some kind of income coming from it while we're still here," Wilson said. "And so that was very attractive to us, that we preserve our equity."Wilson initially purchased $180,000 worth of the notes using funds from his IRA, according to documents viewed by Insider. He later reduced his investment to $158,000 and flipped it to GWG preferred stock. For the next few years, things were looking good. Wilson received payouts monthly. In 2017, he decided to renew his investment, according to documents viewed by Insider.What he didn't know was that by then, Escarcega had been barred from selling securities after misrepresenting investment risks, according to FINRA. So Escarcega used his brother Adrian's license to submit the transactions through AGES Financial Services, according to arbitration documents from Wilson's attorneys. The Escarcegas could not be reached for comment.It was one of many details Wilson wasn't aware of. Thus far, the payouts had always been timely, he said. So, there was no reason to suspect there were problems. But there were. GWG's balance sheet wasn't adding up. FINRA had determined that it hadn't been profitable in over a decade. The firm had been selling new bonds to pay dividends to existing bondholders. The underlying collateral wasn't generating an income and multiple accounting firms refused to audit it, according to the amended statement of claim.The doom loop would eventually come to a screeching halt due to GWG's accounting issues, an SEC investigation, and failure to file its annual SEC report. By 2021, it could no longer sell bonds which led to its bankruptcy by 2022 and the halting of dividend payments, according to the amended statement of claim.Craig McCann, a consultant providing expert testimony in investment cases, including this one, said that GWG's insurance contracts were being overvalued on its balance sheet and the firm was assuming that people would die earlier. As a result, they estimated receiving the death benefits sooner. Simply put, there were not enough benefits being paid on the insurance contracts to cover the interest and principal due."There were lots of signals," McCann said. "There were lots of problems with their SEC filings and lots of reasons to believe that it was imminently going to happen, but most investors were very unsophisticated investors."In 2019, <a target="_blank" class="" href="https://www.investmentnews.com/alternatives/clients-win-another-gwg-bond-claim-this-time-against-b-d/245442">AGES had ended its relationship with GWG</a> due to a change in the company's business model, according to the firm. But Wilson says he was not informed by the firm, <a target="_blank" class="" href="https://www.investmentnews.com/fixed-income/investors-claiming-emotional-distress-damages-win-lawsuit-involving-gwg-bonds/257068">preventing him from selling his shares in time</a> (AGES disputes this). An arbitration panel found that the investment scheme was so egregious that they awarded him $267,252.00 in compensation that included emotional distress damages, according to the order. AGES paid $103,000 for all claimants.<h2 id="9e594bc3-8860-404f-8b63-aeb5d0906705">Risk reward</h2>Wilson's situation is a cautionary tale. He used his IRA to make the investment, so he's also faced with a required minimum distribution, which includes the amount invested in GWG even though it's nominal. He told Insider he must withdraw from other investments to meet the minimum.His case isn't an isolated one. There may have been thousands of brokers selling GWG bonds, based on data pulled from ADV filings as reported by McCann. Wilson says he lives with the guilt of advising his ex-wife and a friend who also invested in the bonds and lost their principal.Truth be told, it's difficult for the average retiree who is not financially savvy to understand the mechanics of many of these alternative investments, even when there are red flags, Murray said. Non-publicly traded investments take time to build capital before generating free cash flow. For those with lower cash reserves, they don't make much sense because they lack liquidity, he added.But Murray also emphasized that not all alternative investments are bad. He just thinks that if you're considering them, you must be financially savvy and have the ability to dig into offering statements, look at fee structures, and related party transactions. Even then, investors should resort to a second opinion from a fiduciary advisor, a CPA, or an attorney.Finally, understand that risk and reward are always tied together. Outsized promises of yields that are much higher than, say, the 10-Year Treasury is a red flag and means there's elevated risk, Murray said.

How a free meal cost an investor his retirement savings

The experience of lying in bed late at night and scrolling through a nearly infinite feed of homes is a modern miracle — not merely because of all the tech packed into your iPhone, but for the simple reason that all those houses are gathered in one place. Open up Zillow, Redfin, or any of their competitors, and you'll have a clear picture of almost all the homes up for grabs around the country.That may be about to change. Real estate's power players are engaged in a bitter standoff over who exactly gets to see the millions of homes listed for sale in the US each year. At the center of the debate are the <a target="_blank" class="" href="https://www.businessinsider.com/real-estate-agents-lawsuits-buy-sell-homes-forever-housing-market-2023-6">multiple-listing services</a>, or MLSes, local databases that gather pictures and details of homes for sale. Almost as soon as a real-estate agent starts touting a home publicly — via an email blast, a post on their website, or a sign in a front yard — they'll throw the listing on the MLS to be fed to other agents and aggregator sites like Zillow. Smart business move? Sure. But agents also don't have a choice, thanks to a rule handed down five years ago by the <a target="_blank" class="" href="https://www.businessinsider.com/lawsuits-verdict-realtors-brokerages-real-estate-agents-home-buying-selling-2023-11">powerful National Association of Realtors</a> called the "clear-cooperation policy," which requires them to list a home on the MLS within one business day of marketing it to the public.Some of the industry's high-profile figures are pushing for the NAR to loosen the rule or get rid of it, which they say would give sellers and their agents more freedom to choose where — and to whom — they advertise their properties. The NAR's top brass are set to consider the change in the coming months.The cynical take is that those in favor of a shake-up — including the leaders of some of the country's largest real-estate brokerages, like Compass and Anywhere Real Estate, the owner of big-name brands like Coldwell Banker and Century 21 — just want to hoard listings on their own websites. As gatekeepers, the thinking goes, they'll be able to lure agents and clients with exclusive access to these properties, growing their businesses and padding their bottom lines. The result would be a more fractured market; instead of going to just Zillow or Realtor.com, a buyer might have to comb through individual brokerages' websites. Agents might be emboldened to share listings among private networks of in-the-know brokers rather than market them to everyone. More homes could trade hands out of view of the average homebuyer."If you were to ask people, 'Should houses be hidden?' most people would say no," Brian Boero, the CEO of 1000Watt, a brand and marketing agency for real-estate companies, told me. "If you asked people, 'Should everybody be able to see the houses that are for sale on the market at any time and have, at least, access to them?' I think most people would say absolutely."It's not quite so cut-and-dried. Opponents of the rule say sellers should be able to market their homes however they see fit, arguing that there are all kinds of reasons someone might not want to list their home on the MLS. And if the goal is a transparent market that prioritizes consumers, the clear-cooperation policy is a flawed tool. It contains a glaring loophole that critics say may have actually pushed more home sales into the shadows.This latest conflict pits Goliath against Goliath, but the stakes are highest for the millions of Davids just trying to put roofs over their heads. The typical buyer wants to see all the homes available, while the typical seller wants a quick sale and a good price. Which kind of housing market will get them there? Both sides claim to know the answer, but their visions for the future of homebuying are miles apart.In the not-so-distant past, MLSes distributed home listings via books — thick, unwieldy tomes that were outdated by the time they made it into a real-estate agent's hands. The introduction of the online MLS around the turn of the century was a revelation, providing a central repository of reliable info on an area's available homes. The system isn't perfect: Access to the MLS is often restricted to licensed agents who pay hundreds of dollars in dues each year to belong to their local, state, and national Realtor associations, on top of MLS fees. Since there are more than 500 local MLSes in the US, an agent might have to pay dues to several of these groups just to see all the homes within an hour's drive of their office. But the databases are still widely considered a model for the rest of the world.While an agent doesn't technically have to participate, the MLS's trove of data is practically a necessity to do the job. And in order to play in the MLS sandbox, you have to follow the MLS rules. About 97% of local MLSes are effectively controlled by the NAR, a trade group with roughly 1.5 million members who pay for the "Realtor" designation and agree to abide by the organization's ethical and professional guidelines. The NAR doesn't own the MLSes directly, but it sets the rules for most of them. Five years ago, the organization's leaders pinpointed a growing problem: Some agents weren't playing fair. They were keeping select listings off the MLS and marketing them on their own websites or among clubby groups of brokers known as private listing networks. The prevalence of so-called pocket listings has always been hard to quantify, but pretty much everyone agrees they were on the rise in the years leading up to the COVID-19 pandemic. Redfin estimated that in the second quarter of 2019, about 1.7% of listings, or some 18,000 homes, were likely pocketed. Those homes were marked "sold" or "pending sale" the same day they were put in the MLS — a sign that the transaction may have already been wrapped up in private. Agents promoting pocket listings might argue that they were acting in the best interests of their clients; a seller going through a messy divorce, for example, may prefer a quiet sales process rather than the fanfare of a public listing. The MLS also displays information that may not be favorable to a seller. It shows the number of days a home has been on the market and keeps track of price cuts, offering buyers leverage points that would never be found on a listing broker's website. There are, of course, self-serving reasons an agent might prefer to advertise a home off the MLS. If they find an unrepresented buyer, they may be able to pocket the portion of the commission that would have otherwise gone to the buyer's agent, upping their haul from the sale to, say, 6% instead of the typical 3%. Belonging to private listing networks could also help drum up business: Work with me, an agent could tell a buyer, and you'll get access to all these listings that Joe Schmo at XYZ Brokerage doesn't even know about. Indeed, Top Agent Network, a destination for high-achieving brokers to share "not-yet-on-MLS properties" with each other, claims on its website that agents can help buyers find their dream homes "by staying ahead of the market."The whole point of the MLS, though, is to have all listings in one place for everyone to find — the system falls apart if agents get to pick and choose which ones to contribute. The NAR's answer to this chaos was the clear-cooperation policy. The rule, which went into effect in May 2020, tightened the screws on agents by requiring them to put a listing on the MLS within one business day of marketing it to the public. For-sale sign in the front yard? Better get it on the MLS pronto. Gush about it on your Facebook page? Clock's ticking. Teasing homes in a private listing network without also posting on the MLS was a no-go.The idea was that any alternative to the MLS would harm both consumers and their agents. A seller risks getting a lower price if there are fewer eyeballs on their listing. A buyer might know of only a fraction of homes for sale at any time, limiting their options. Agents can't make money off shadow listings that they don't even know about. MLSes are also <a target="_blank" class="" href="https://www.businessinsider.com/bad-real-estate-agents-realtors-homebuyers-sellers-housing-market-2023-7">huge sources of revenue</a> for the many local Realtor associations that own and operate them — the NAR has a direct interest in making sure they remain valuable."Everybody benefits when we all pool our listings, and we do so in a timely manner," Saul Klein, a longtime real-estate executive who's the CEO of the San Diego Multiple Listing Service, told me. "And people are hurt, potentially, when we don't do that."The new rule, however, included a loophole. It allows agents to market a home to other agents within their brokerage without sharing it on the MLS, a practice known as "office exclusives." The carveout effectively allows for private gardens within each brokerage, filled with homes you can't find anywhere else. Large brokerages like Compass, which has more than 30,000 agents across the country, can make a pitch to a seller like this: "We'll maintain your privacy by keeping your home off Zillow and test your chosen price across our huge network. We can limit the showings so you don't have random people traipsing through your home. And if you're not satisfied, we can always turn to the MLS later."Today, many large brokerages tout offerings that attempt to capitalize on this state of play. Compass, for instance, will offer to list your home as a "private exclusive" within its brokerage before launching it to the public. Howard Hanna's "Find It First" program allows sellers to "benefit from broad exposure without compromising on control," the company's CEO, Howard Hanna IV, said in a statement. In a lawsuit after the unveiling of the rule, Top Agent Network accused the NAR of privileging large brokerages (which belong to the association) while stamping out the competition from alternatives to the MLS. It complained that the organization's rule was "a transparent attempt at protecting its turf, not helping consumers."The clear-cooperation rule faded into the background as the pandemic upended the industry. But as the market settled and other big changes, like the class-action lawsuits over agent commissions, <a target="_blank" class="" href="https://www.businessinsider.com/homebuyers-real-estate-revolution-nar-lawsuits-new-rules-realtors-agents-2024-4">reached a resolution</a>, a group led by Compass' CEO, Robert Reffkin, began publicly pressuring the NAR to reconsider clear cooperation. <a target="_blank" class="" href="https://www.businessinsider.com/real-housewives-mauricio-umansky-agency-daily-schedule-2022-8">Mauricio Umansky</a>, a celebrity agent and brokerage CEO known for appearing on "Buying Beverly Hills," "Real Housewives," and "Dancing with the Stars," was already part of the opposition to the rule, having sued the NAR over his attempts to start an MLS alternative known as the PLS, or the Property Listing Service. Executives at Anywhere Real Estate, one of the largest brokerage companies in the country, have pushed for the rule to be loosened but not eliminated — one suggestion is to give agents more time to market a home publicly before listing it on the MLS. On the other side, executives at Zillow and Redfin decried the potentially disastrous consequences of a fractured housing market. In a recent op-ed article, Redfin's president and CEO, Glenn Kelman, argued that the end of clear cooperation would allow large brokerages to control more inventory, forcing buyers, sellers, and their agents to flock to big players rather than smaller outfits."The goal in weakening Clear Cooperation is to make being bigger matter — more than being better," Kelman wrote. "That is the law of the jungle, masquerading as freedom."It's not clear, though, that the clear-cooperation rule made things much better for consumers. In a hot market, it's easier for brokers to market a home off the databases and still get it sold. Redfin estimates that in the second quarter of 2021, the share of listings that were likely pocketed increased to 2.8%, or almost 35,000 homes. <a target="_blank" class="" href="https://www.businessinsider.com/housing-market-ice-age-higher-home-prices-fewer-sales-inventory-2023-5">The market has since slowed</a>, and Redfin's estimation of pocket listings was down to 1.8% of sales in the second quarter of this year, roughly in line with the same period in 2019. These are imperfect estimates; it's possible for a home to debut on the MLS in the morning and have a sale pending by the end of the day without anything unscrupulous happening. They could also be undercounts, since some homes may never be listed in the MLS at all. Ultimately, the data from one of clear cooperation's biggest advocates doesn't prove that the rule has actually reduced off-MLS sales. What has changed since the rule went into effect is brokerages' eagerness to control access to home listings. Home sales volume has plummeted since the heady days of 2021, which means <a target="_blank" class="" href="https://www.businessinsider.com/compass-layoffs-robert-reffkin-housing-market-2023-1">less revenue for the businesses that make their money by taking a cut of their agents' sales commissions</a>. Without clear cooperation, brokerages could drive more traffic to their own websites by publicly advertising homes that aren't available in the MLS or on sites like Zillow. And they could continue to tease office exclusives that are accessible only if you work with their agents.Both sides of this debate can reasonably claim that the industry will face legal trouble if they don't get their way. The Department of Justice, which has been fighting to reopen a wide-ranging investigation into the NAR, has signaled that the organization's control of the MLSes could be anticompetitive, stifling the development of alternative databases. What incentive is there for someone to start an MLS rival, the thinking goes, if basically everyone who uses the new database would still have to put their listings on the MLS anyway? On the other hand, proponents of clear cooperation argue that not showing homes to everybody could run afoul of fair-housing laws designed to ensure that buyers have equal access to the market."The fact that every listing is contributed to the MLS and that every consumer has access to that information is an enormous and overwhelming benefit to support fair housing," Victor Lund, a founder and managing partner of Wav Group, a consulting firm for real-estate companies, told me. "There is too much opportunity for housing discrimination without it."There are a lot of ways this could go. The final call will rest in the hands of top leaders at NAR, whose board will likely mull over the issue at its annual convention in the second week of November. It could be months before a decision, however, especially since it's not clear what kinds of actions the DOJ may take against the organization. NAR leadership could keep clear cooperation as is, repeal it entirely, or revise it in ways that might not even be obvious right now. Several people I spoke with, including Kelman, told me they'd like to see the office-exclusive loophole closed — no more exceptions for agents marketing homes within their brokerages."If you haven't bought a home yet," Kelman told me, "there is nothing more unsettling than seeing a moving van outside a house that never showed up in any of your searches." An imperfect rule, he argued, is better than no rule. Those in Kelman's camp say a housing market without the current version of the MLS would be more divided and more difficult to parse. At the same time, it's impossible to brush aside the criticisms of the rule. There's no guarantee it will remain as it is when the dust settles.The lawsuits over agent commissions last year were seismic, but they were ultimately about the practical matter of consumers' wallets: how much they were paying agents and what they were getting in return. The debate over clear cooperation strikes me as much more existential. Its result will determine the kind of housing market we have in the future. Buckle up.<a target="_blank" rel="" href="https://www.businessinsider.com/author/james-rodriguez">James Rodriguez</a> is a senior reporter on Business Insider's Discourse team.

Realtors are fighting over hidden listings. Their battle could make it harder to find a home.

<ul><li>The demerger of <keyword id="15323576" type="General" weightage="20" keywordseo="jio-financial-services" source="Orion">Jio Financial Services</keyword> (JFS) in the coming months and listing on the stock exchanges is a ‘key moment’ for the Reliance Industries’ stock. </li><li>The JFS demerger is expected to act as a catalyst that the parent Reliance Industries was missing, which is evident from the sagging stock price. </li><li>JFS’ entry could also prove to be a challenge to existing players in the space like Bajaj Finance, Paytm and PhonePe, and a successful take off could also result in attrition at banks and non-banking financial companies (NBFC).</li></ul>The <keyword id="17044379" type="General" weightage="20" keywordseo="demerger-of-jio" source="Orion">demerger of Jio</keyword> Financial Services (JFS) in the coming months and listing on the stock exchanges is a ‘key moment’ for the Reliance Industries’ stock, according to analysts at Nomura. Strong fundamentals and business outlook aside, shares of Reliance Industries (RIL) have gone nowhere since March last year. After hitting a fresh 52-week low in March this year, RIL shares are still down over 10% in 2023. The JFS demerger could be just what the parent’s shares need – value unlocking. The JFS demerger is expected to act as a catalyst that the parent Reliance Industries has been missing. “The listing and value unlocking from RIL’s financial services business in the coming months will be a key event for the stock,” said Nomura in its latest note, adding that the decline in Reliance’s shares is due to “index-related sell-off”. According to the terms of the demerger announced in October last year, all existing shareholders of Reliance Industries will get one share in JFS for each share held in the parent company. The company has now <a href="https://www.businessinsider.in/business/corporates/news/ril-calls-for-shareholder-creditor-meeting-to-approve-demerger-of-financial-services-arm/articleshow/99116790.cms">called</a> for a meeting of creditors and shareholders on May 2 for the requisite approvals. JFS is expected to list in September this year. “As JFS scales up, it can drive value unlocking given higher multiples for peers in these industries,” Nomura said. Jefferies has pegged the valuation of JFS in the range of ₹90,000 crore to ₹1.5 lakh crore, with each share of JFS valued at ₹179 in the brokerage’s base case scenario. Demerger to help JFS ‘dominate’ the industry Looking beyond the benefits for RIL’s shares, the JFS demerger will also help the financial services business attract investors and challenge existing players in the sector like Bajaj Finance and Paytm. “The demerger would help the financial services business to attract different sets of investors, strategic partners and lenders having specific interests in the financial services business,” Nomura added. Analysts at Jefferies underlined that JFS would be able to leverage the large distribution network, customer base and deep pockets of Reliance to take on existing players like Bajaj Finance, Paytm and PhonePe, among others. It will also allow JFS to emerge as the fifth largest financial services company in terms of net worth. Reliance has already made several moves to give JFS the best possible start – this includes bringing in KV Kamath, the former non-executive chairman of ICICI Bank, as its chairman. Subsequently, Kamath hired a former ICICI Bank talent, Manish Singh, to help him build a team as JFS draws closer to launch. Analysts are already watching for attrition at banks and non-banking financial companies or NBFCs. JFS to focus on consumers and merchants Leveraging Reliance’s wide reach in consumer and retail segments thanks to Reliance Jio and Reliance Retail, JFS is expected to focus on consumers and merchants as it kicks off its innings post the demerger. “JFS' key advantage will be low funding cost/ better access on the back of the group's high credit rating and ownership of 6.1% stake in RIL,” said Jefferies. Reliance’s retail arm reported<a href="https://www.businessinsider.in/business/corporates/news/reliance-retails-q3-net-profit-up-6-2-at-2400-crore-finance-costs-depreciation-weigh/articleshow/97179758.cms"> 201 million footfalls</a> across its network of 17,225 stores in Q3, which is an increase of nearly 26% year-on-year. Its telecom arm, Reliance Jio, has been the market leader for several months now, with a total subscriber base of 426 million as of January 2023. This gives JFS a strong pool of consumers to dip into. The recent acquisition of<a href="https://www.businessinsider.in/business/corporates/news/reliance-retail-to-acquire-wholesaler-metro-cash-carry-for-2850-crore/articleshow/96415905.cms"> Metro Cash &amp; Carry</a> will also give the company access to 3 million merchants, of which 1 million are frequent buyers. Upcoming Reliance AGM could lay down the blueprint of JFS strategy Reliance is expected to lay down the blueprint of its JFS strategy in detail at its upcoming annual general meeting (AGM), likely in August. This is ahead of the expected listing of JFS in September this year. “While significant efforts are needed to scale the financials business, given RIL’s robust execution, capacity to invest, industry-leading retail infrastructure and leading market share across the retail and telecom industry, it appears likely that RIL will dominate the industry,” said the analysts at Nomura, expressing their optimistic outlook. On the whole, analysts are bullish overall on RIL’s prospects and the JFS demerger, which has earned the company a stock price upgrade from analysts at Jefferies – to ₹3,100 from ₹3,060 earlier. Analysts at Nomura have given a target price of ₹2,850. The recent price correction has also prompted the analysts at JP Morgan to say that this is an<a href="https://www.businessinsider.in/stock-market/news/reliance-shares-down-22-from-all-time-high-attractive-entry-opportunity-says-jp-morgan/articleshow/98725589.cms"> “attractive entry opportunity”</a>. SEE ALSO: <a href="https://www.businessinsider.in/stock-market/news/reliance-shares-down-22-from-all-time-high-attractive-entry-opportunity-says-jp-morgan/articleshow/98725589.cms">Reliance shares down 22% from all-time high: Attractive entry opportunity, says JP Morgan</a> <a href="https://www.businessinsider.in/finance/banks/news/loan-growth-showing-signs-of-reversal-from-cyclical-highs-but-asset-quality-to-remain-healthy/articleshow/99245377.cms">Loan growth showing signs of reversal from cyclical highs, but asset quality to remain healthy</a> <a href="https://www.businessinsider.in/business/corporates/news/tcs-infosys-hcl-tech-amongst-top-picks-of-analysts-heading-into-the-q4-earnings-season/articleshow/99235686.cms">TCS, Infosys, HCL Tech amongst top picks of analysts heading into the Q4 earnings season</a>

Jio Financial Services demerger and listing a ‘key moment’ for Reliance stock

<a href="https://www.businessinsider.com/masteryourmoney"></a><div type="image" title="Above angle view of a young man using a trading app." height="1250" width="2500" msid="84869695" hostid="261"></div><ul class="summary-list"><li>In the world of investing, a <keyword id="49221" type="POSITION" weightage="60" keywordseo="Broker">broker</keyword> is a company or individual that acts as an intermediary between you and a securities exchange.</li><li>There are three main types of investment brokers: full-service brokers, online brokers, and robo-advisors.</li><li>Beyond investing, brokers are used in other industries, including real estate and insurance.</li></ul>In the broadest sense, a broker is a licensed mediator between a buyer and a seller. Broker services are used across a range of industries, including real estate, insurance, and of course, investing. Investment brokers, or stockbrokers, act as an intermediary between investors and <a href="https://www.businessinsider.com/stock-exchange" target="_blank" rel="noopener">security exchanges</a>, or marketplaces where <a href="https://www.businessinsider.com/what-is-stock" target="_blank" rel="noopener">stocks</a> are bought and sold. Historically, investment brokers held the keys to Wall Street and were the only way for everyday individuals to buy and sell stocks. But with the rise of discount brokers, the need for brokers by <a href="https://www.nasdaq.com/articles/the-death-of-a-stockbroker-2019-10-07" target="_blank" rel="nofollow noopener sponsored">their traditional definition have declined</a>. Here's what you need to know about the investment <keyword id="54273" type="ORGANIZATION" weightage="60" keywordseo="Brokerage">brokerage</keyword> industry, and how online brokers have changed the landscape of investing as we know it.<h2>Understanding brokers</h2>A stockbroker is a type of broker that allows you to buy and sell stocks, bonds, and other securities. When you choose a broker, you open a <a href="https://www.businessinsider.com/what-is-a-brokerage-account" target="_blank" rel="noopener">brokerage account</a>, which is a fundamental step to becoming an investor. Securities are bought and sold on stock exchanges, like the <a href="https://www.businessinsider.com/new-york-stock-exchange" target="_blank" rel="noopener">New York Stock Exchange </a>and <a href="https://www.businessinsider.com/what-is-nasdaq" target="_blank" rel="noopener">Nasdaq</a>. Because these exchanges require special access or membership to trade, investors need brokers to facilitate transactions. Broker firms and individuals become members of specific exchanges by meeting certain regulatory standards set by the Financial Industry Regulatory Authority (FINRA). In addition to executing orders, brokers also provide a range of educational resources and investing advice. There are three main types of brokers:<ul><li>Full-service brokers: Traditional full-service brokers offer managed accounts that are overseen by a professional advisor. With a managed account, you agree to give the broker authority to make decisions on your behalf. Full-service brokers also offer a variety of perks including specialized market research and personalized advice. All of that, however, comes with fees, which is why they typically cater to well-heeled individuals. </li><li>Discount brokers: Discount brokers execute trades on your behalf but do not offer tailored advice. While they once were the exception, they're now the norm, preferred by investors because they're more affordable and charge zero commission fees. What they lack in specialized advice, they usually make up with a vast array of tools and educational resources. </li><li>Robo-advisors: <a href="https://www.businessinsider.com/what-is-a-robo-advisor" target="_blank" rel="noopener">Robo-advisors</a> are automated investing platforms that select and manage investments on your behalf, typically in the form of <a href="https://www.businessinsider.com/personal-finance/what-is-an-etf-exchange-traded-fund" target="_blank" rel="noopener">ETFs</a> or <a href="https://www.businessinsider.com/what-is-an-index-fund" target="_blank" rel="noopener">index funds</a>. Robo-advisors appeal to those new to investing or those who prefer to be hands-off. </li></ul>"In my experience, everybody wants full-service advice, but they just don't want to pay for it," says Winnie Sun, managing director at Sun Group Wealth Partners. "If all things were equal, if both costs were the same, without a doubt, people prefer full-service."<h2>A brief history of brokers</h2>What do you picture when you think of an investment broker? Chances are, you might imagine a person in a suit, making frantic phone calls on the floor of a bustling stock exchange - which isn't too far off from how things used to be.In the past, only <a href="https://www.businessinsider.com/accredited-investor" target="_blank" rel="noopener">affluent investors</a> could afford access to stock exchanges. Why? Because only high-net worth individuals - people with at least $1 million in liquid assets - were able to afford the service.But with advancements in technology and the growth of the internet came the rise of online brokerages, which paved the way for a new kind of investor: the self-directed investor, or those who are willing to manage their own investing portfolios.Today, the brokers most people are familiar with are discount brokers, which include names like <a href="https://www.businessinsider.com/personal-finance/robinhood-investing-review" target="_blank" rel="noopener">Robinhood</a>, <a href="https://www.businessinsider.com/personal-finance/sofi-invest-review" target="_blank" rel="noopener">SoFi</a>, and <a href="https://www.businessinsider.com/personal-finance/webull-investing-review" target="_blank" rel="noopener">WeBull</a>. Many of these smaller firms offer online platforms that have made investing and trading more accessible than ever before.The overall shift has led to larger <keyword id="173013" type="PERSON" weightage="60" keywordseo="brokerage-firms">brokerage firms</keyword> - including <a href="https://www.businessinsider.com/personal-finance/charles-schwab-brokerage-account-review" target="_blank" rel="noopener">Charles Schwab</a>, <a href="https://www.businessinsider.com/personal-finance/etrade-investing-review" target="_blank" rel="noopener">E-Trade</a>, <a href="https://www.businessinsider.com/personal-finance/td-ameritrade-brokerage-review" target="_blank" rel="noopener">TD Ameritrade</a>, and <a href="https://www.businessinsider.com/personal-finance/fidelity-investments-review" target="_blank" rel="noopener">Fidelity </a>- to slash commission fees in recent years in the hopes of capturing a greater market share of self-directed investors.<h3>Full-service brokers vs. discount brokers</h3>Keep in mind that just because you can manage your own portfolio, doesn't necessarily mean you should. There remain instances in which an investor, specifically a high-net worth individual or one with advanced financial needs (who doesn't mind paying for the extra perks), may still wish to work directly with a full-service broker. Deciding whether to work with a discount or full-service broker depends on factors like an individual's investment knowledge and financial status. Most discount brokers who specialize in the stock market are able to charge low commission fees by operating through online platforms with low overhead costs. "I don't think one [strategy] is necessarily better than another, it's just where you are in your life," says Sun.Though the lower cost is the major lure to working with a discount broker, it should be noted that they don't offer investment advice, tax planning, or personal consultations on their clients' behalf. Discount brokers simply execute orders for clients, offering lower fees by sidestepping the money otherwise spent closing deals for clients with a high <a href="https://www.businessinsider.com/what-is-net-worth">net worth</a>. <h2>Broker regulation: What you need to know</h2>Entrusting another individual or firm with your investment proceedings is a major responsibility, so it's important that your broker meets certain criteria. If you ultimately decide on an individual broker, be sure the professional you work with is a <a href="https://www.businessinsider.com/what-is-a-registered-investment-advisor-ria" target="_blank" rel="noopener">registered investment advisor </a>(RIA). RIAs are bound by SEC regulations and are held to a <a href="https://www.businessinsider.com/fiduciary" target="_blank" rel="noopener">fiduciary standard</a>. Sun advises those seeking to work with an investment professional to work with someone with this fiduciary designation. "It's so important because you know that when someone's giving you advice, they're doing [with] your best interest [in mind], and they're required to based on the licenses that they have," she says.In the US, registered brokers are required by the FINRA to pass the General Securities Representative Exam, a 125-question, multiple-choice test which comes with FINRA Series 7 certification when completed. The Series 7 gives a broker the authority to buy and sell most securities, but it doesn't necessarily end there.The Series 63 and Series 66 exams are also required by the FINRA to become a registered broker in various states, and the Series 53 exam permits brokers to buy and sell <a href="https://www.businessinsider.com/municipal-bonds" target="_blank" rel="noopener">municipal bonds</a>.Quick tip: If you're deciding between different professionals or want to make sure an individual is properly certified, <a href="https://brokercheck.finra.org/" target="_blank" rel="nofollow noopener sponsored">FINRA BrokerCheck</a> is a tool that shows you a broker's full license and employment history.<h2>The financial takeaway</h2>A broker is an individual or firm that buys and sells stocks on behalf of clients. Stockbrokers, in particular, have evolved considerably with time, and now most commonly come in the form of online discount brokers.<a data-type="5fc809a6f45c2344c12b9ab6">Trading and investing are two approaches to playing the stock market that bring their own benefits and risks</a><a data-type="6001ce12c645d70cca75252c">A growth stock is a company expected to rise faster than the overall market, offering bigger gains for investors who don't mind risk</a><a data-type="60011bbb0a996d3d50754f25">Where to invest when interest rates are low - 6 fixed-rate vehicles that offer the best returns</a><a data-type="5fda2ac936173573b4327052">Capital gains tax rates: How to calculate them and tips on how to minimize what you owe</a>

What is a broker? What to know about the intermediary that helps investors buy stocks

<ul class="summary-list"><li>Hurricane Helene caused catastrophic flooding in Asheville, leaving many without necessities.</li><li>Previously, Asheville attracted Gen Z for its climate, business scene, and community.</li></ul>Sierra Isley was still unpacking boxes when the storm hit. The 24-year-old and her partner moved to <a target="_blank" class="" href="https://www.businessinsider.com/hurricane-helene-asheville-furniture-business-founders-lost-everything-2024-10">Asheville</a>, North Carolina from Philadelphia a few weeks ago and signed a lease on their new apartment. The couple was thrilled. They're recent college graduates beginning their careers and loved browsing the shops and art galleries in downtown's <a target="_blank" class="" href="https://www.citizen-times.com/story/news/local/2024/10/01/rad-businesses-in-shambles-we-definitely-underestimated-everything/75457465007/">River Arts District</a>."We wanted to go somewhere that was newer to both of us, and Asheville had what we were looking for," she told Business Insider. "We wanted to be somewhere with more nature."The morning the power went out, Isley knew something was wrong. The wind was rattling the windows, as broken power lines and tree branches began to litter the sidewalks. The flooding and sirens came next, as Category 4 <a target="_blank" class="" href="https://www.businessinsider.com/before-after-satellite-photos-hurricane-helene-destruction-florida-2024-10">Hurricane Helene</a> made its way up from the Gulf Coast.Helene's damage in western North Carolina has been catastrophic. Asheville and its surrounding small towns are almost completely flooded — despite their location near the Blue Ridge mountains, about 300 miles inland. Residents and local businesses have been left without electricity, running water, cell service, and access to essentials. As of October 3, Buncombe County reported that 72 people have died, and hundreds more are missing. And, across the Southeastern US, the death toll is <a target="_blank" class="" href="https://www.nbclosangeles.com/news/national-international/helene-death-toll-remote-areas-hit-by-storm/3527054/?os=io__&amp;ref=app">above 200</a>.<div type="image" title="A picture of debris and flooding in western North Carolina after Hurricane Helene." height="683" width="1024" msid="113961510" hostid="261" sizebytes="36620"></div>Before the storm, Asheville was experiencing a renaissance with young people, especially Gen Z. Many, like Isley, relocated to the city because of its temperate climate, thriving business scene, and cozy neighborhoods. Others who grew up in the area returned from their college towns to work and buy homes.With a long road to recovery on the horizon, these Gen Zers are wondering if they will stay.Isley has temporarily relocated to Atlanta, where her sister lives. Her Asheville apartment sits empty: kitchen utensils, clothes, and decorations are still taped in cardboard boxes. She isn't sure when it will be safe to return."I want to help as much as I can," she said. "But I feel like, right now, it's best that I don't go back immediately so that the people who are there have the water and food they need."<h2 id="519d7f98-c9db-48c5-8a84-850f6eb1bced">Gen Zers moved to Asheville for work opportunities and community</h2>Over the past decade, Gen Z has been flocking to the Asheville area. Most loved the amenities of living in a city, while still being a short drive from a camping trip or mountain hike. The local brewery and tech industries offered plenty of jobs, and young people were attracted to the affordable (<a target="_blank" class="" href="https://www.bpr.org/bpr-news/2024-07-02/asheville-will-need-14-000-new-homes-by-2050-to-keep-pace-with-population-growth-affordable-housing-draft-projects">but rising</a>) housing market.The US Census Bureau estimated in 2023 that <a target="_blank" rel="noopener noreferrer" class="c-link c-link--focus-visible" href="https://data.census.gov/table/ACSST1Y2023.S0701?q=Residential%20Mobility&amp;g=310XX00US11700">31,218</a> young people ages 18 to 24 moved to the Asheville metro area — a figure similar to a city like <a target="_blank" rel="noopener noreferrer" class="c-link c-link--focus-visible" href="https://data.census.gov/table/ACSST5Y2020.S0701?q=Residential%20Mobility%20durham&amp;g=310XX00US11700">Durham</a>, which is more than twice the size of Asheville's population.<div type="image" title="a young man standing in front of a christmas tree" height="4032" width="3024" msid="113961511" hostid="261" sizebytes="1456176"></div>Hector Hernandez-Arroyo, 24, grew up in an Asheville suburb called Weaverville. He moved a few hours away to Greensboro for college but decided to return after graduation. The city is "very inclusive, very welcoming," he said.He ran downtown while training for his half-marathon and is settling into his project manager role at a construction company. He's currently living at his parents' house but is saving for a down payment on his own home.Hernandez-Arroyo's life was hurt by Helene: He has to boil the limited water he has access to if he needs a drink or shower. And, for the past few days, he's been clearing out debris from various yards and city streets with his coworkers. Even so, he's still hoping to buy a home in Asheville someday.Iliana Villatoro's family moved to the area when she was young. But, no matter where she traveled, the now-28-year-old always wanted to go back. She and her husband bought a house, run a local fencing business, and have found a group of friends to join for dinners and weekend activities.Villatoro said it means a lot that the community is coming together to care for one other: Collecting donations and organizing help for the under-resourced <a target="_blank" class="" href="https://www.newsobserver.com/news/state/north-carolina/article293248659.html">rural areas</a> surrounding the city."We own a business in Asheville, and we just want to support the community that's given so much to us, and we're not leaving," she said. "We're going to stay for the rebuild."<div type="image" title="a young woman smiles in a sunflower field" height="3112" width="4668" msid="113961513" hostid="261" sizebytes="1266646"></div>Outside of boomerang residents like Hernandez-Arroyo and Villatoro, Asheville has welcomed a crop of movers from all over the country. Scott Pridemore of Pridemore Properties at Compass, a real-estate brokerage in North Carolina, told BI that many people go to nearby universities like Appalachian State University or University of North Carolina Asheville and never leave."Post Covid, we definitely saw a lot of people opting for life in the North Carolina Mountains," Pridemore said. "And they moved from places like California, the Northeast, Texas, or Florida."Seventh-generation western North Carolina resident and Asheville real-estate agent Marilyn Wright sees Asheville as a special city that doesn't take much to fall in love with."We're such a unique place," Wright told BI. "I have a lot of clients who just drive through one time and move here."Wright was worried that after the storm, homebuyers already in contract would get cold feet and back out. But, she said, every one of her clients who were in contract before Helene still has plans to go forward with their purchases."Right now, we sort of have a black eye, but we're still the same place," she said. "We just got to get back up."<h2 id="9b22365b-8ba1-4c11-9085-549b245308bd">Natural disasters could shape where Gen Z settles</h2>For locals, the hurricane's damage came as a shock. And, for some Gen Zers building their lives in Asheville, it's making them reevaluate the future. The impacts of natural disasters could continue shaping where people move and live. Asheville had previously been dubbed a climate "<a target="_blank" href="https://www.theassemblync.com/environment/climate-haven-wildfire-western-nc/">safe haven</a>.""If this becomes a normality, where any tropical storm that hits the Gulf makes its way up here and causes the same sort of damage," Hernandez-Arroyo said, "then maybe there's room for conversation as to where else I could go."Makenzie Rink, 23, was raised in an Asheville suburb and moved back after attending college in Raleigh, a nearly four-hour drive away. She's been working for her family's consulting business, and started a <a target="_blank" class="" href="https://www.tiktok.com/@the.realistic.runner">TikTok page</a> to document her running and nature adventures in the area. This week, she's been posting videos of the floods to raise awareness and connect residents with resources.<div type="image" title="A young woman yells excitedly into a megaphone" height="2048" width="1365" msid="113961509" hostid="261" sizebytes="395884"></div>Even prior to Helene, Rink knew she wouldn't stay in Asheville forever. She's in her early 20s, and wants to "experience a different part of the world," she said. Her next stop might be Lexington, Kentucky, but she's staying in the city right now to help collect food, water, and clean clothes for her fellow residents. Once she moves away, Rink is confident she'll come back to visit."For those that were born here, have generations of their family here, or have moved here from somewhere else, Asheville — and western North Carolina as a whole — is such a special place," she said, adding, "that's why so many people visit, right?"Isley also hasn't given up on Asheville, even though she has barely moved in. She and her partner might even settle there for the long-run."It's a different city than it was two months ago," Isley said. "The people that I met during the two or three days that I was there without cell service — having other people around to talk to made it a lot less scary. It made me feel like this deep connection to the city."Is climate change impacting where you choose to live? Have natural disasters impacted your finances or small business? If you're open to sharing your story, reach out to <a target="_blank" class="" href="mailto:allisonkelly@businessinsider.com">allisonkelly@businessinsider.com</a>.<h3 id="e7da498f-1140-4fe6-8b92-dfb933d8fd7c">Related stories</h3><a target="_blank" class="" href="https://www.businessinsider.com/hurricane-helene-hits-asheville-beer-microbreweries-north-carolina-floods-2024-9">Hurricane Helene devastates Asheville's small beer breweries: 'It's quite heartbreaking.'</a><a target="_blank" class="" href="https://www.businessinsider.com/mom-didnt-hear-from-daughter-asheville-for-days-2024-9">My daughter lives in Asheville, and I lost contact with her for 3 days as the hurricane hit. I imagined the worst.</a><a target="_blank" class="" href="https://www.businessinsider.com/hurricane-helene-north-carolina-flood-insurance-2024-10">A majority of North Carolina homeowners didn't have flood insurance. Then Helene hit.</a>

Gen Z found a home in Asheville. Hurricane Helene swept it away.

<a href="https://www.businessinsider.com/master-your-money"></a><div type="image" title="investing app" height="1414" width="2121" msid="85574203" hostid="261"></div><ul class="summary-list"><li><keyword id="11896289" type="UNKNOWN" weightage="60" keywordseo="investing" source="Orion">Investing</keyword> pros Ashley Tran and Kenneth Chavis IV joined Insider's <keyword id="11931400" type="UNKNOWN" weightage="100" keywordseo="master-your-money" source="Orion">Master Your Money</keyword> Clubhouse event.</li><li>They discussed DIY investing and offered advice for beginners using online <keyword id="11931403" type="UNKNOWN" weightage="60" keywordseo="brokerages" source="Orion">brokerages</keyword>.</li><li>Both experts recommended being confident in your "why" and your goals before investing.</li></ul>If you're thinking of taking investing into your own hands, you're not alone. The year 2020 was a big one for first-time DIY investors (also known as "retail investors"). Of the investors who opened brokerage accounts in 2020, 66% had never had a taxable investment account before, <a href="https://www.finrafoundation.org/sites/finrafoundation/files/investing-2020-new-accounts-and-the-people-who-opened-them_1_0.pdf" target="_blank" rel="noopener">according to a study</a> by the FINRA Foundation and NORC at the University of Chicago.But DIY, or self-directed, investing through online brokerages differs from other options you could use, like full-service financial firms or automated advisors.At a recent Insider Clubhouse event, "DIY Investing for Beginners" - part of our Master Your Money series presented by Fidelity - speakers Ashley Tran, team leader of Investment Solutions at Fidelity, and Kenneth Chavis IV, certified financial planner at LourdMurray, emphasized why it's important to start with a goal or an objective before you begin DIY investing through an <a href="https://www.businessinsider.com/personal-finance/best-online-brokerage" target="_blank" rel="noopener">online brokerage account</a>. <h2>Choose an objective before you choose a security to invest in</h2>"It can feel really overwhelming when you start diving into investments," Tran said during the event. "The first piece of advice that I would give is: Make sure that you feel really educated and confident about what you're investing in and why."She recommends starting with a goal first for your account and money. Goals, Tran added, might include retirement, saving up for a home, or <a href="https://www.businessinsider.com/how-much-money-to-save-in-emergency-fund-rules" target="_blank" rel="noopener">establishing an emergency fund</a>. When it comes to investments, you'll have several options."There's a lot of different things you can purchase in the market," Tran said. There are stocks, she continued, which are like a piece of equity in a company, as well as mutual funds and <a href="https://www.businessinsider.com/personal-finance/what-is-an-etf-exchange-traded-fund" target="_blank" rel="noopener">exchange-traded funds</a>, which she described as baskets of securities that give you exposure to a lot of different companies with a shared commonality.Chavis added that your investment portfolio may change depending on your intended time horizon, meaning you might invest in more- or less-risky securities depending on when you think you'll need access to your money.<h2>Investment taxes can vary depending on how long you hold an asset</h2>Once you have your "why" - or the reason you're investing - you'll want to consider the tax implications of trading."For folks that are really wanting to play the stock game [or] maybe get their feet wet and do a good amount of trading, both with buying securities and then selling them, there are tax implications for that," Chavis said.He made the distinction between two different types of taxes retail traders may face:<ol><li>Short-term capital gains taxes: "If you buy a position and hold it for less than one year, you'd be subject to what's known as short-term capital gains," Chavis said. That essentially means you'd pay the same tax rates as any other ordinary income.</li><li>Long-term capital gains taxes: "For any position that somebody's held for over a year, you get preferential tax treatment, known as long-term capital gains," Chavis said. "Those rates depend on your income level."</li></ol>For most everyday investors, <a href="https://www.businessinsider.com/what-is-buy-and-hold-investing-strategy" target="_blank" rel="noopener">buy-and-hold investing</a> is the best way to build wealth for the long term - and that doesn't involve frequent trading.<h2>The best time to start investing is today</h2>If you're new to self-directed investing, it can be a daunting feat. But Tran and Chavis both stressed two sentiments: (1) The best time to start is now, and (2) There are several resources you can take advantage of to learn more."If you're feeling overwhelmed or unsure, just find one place to start learning more about how to manage your money and how to start investing," Tran said. "Pick up a <a href="https://www.businessinsider.com/personal-finance/best-personal-finance-books" target="_blank" rel="noopener">personal finance book,</a>" she added, or find a blog or <a href="https://www.businessinsider.com/personal-finance/best-personal-finance-podcasts" target="_blank" rel="noopener">money podcast</a> that you feel resonates with you."The best time to start investing is always today," Chavis said.Ready to take control of your money? Join our #MasterYourMoney Bootcamps!Master Your Money Bootcamps are month-long challenges broken into simple one-week exercises to help you take control of your money. So far this year, we're working on <a href="https://www.businessinsider.com/master-your-money-bootcamp-demystify-your-finances-exercise-1-2021-4" target="_blank" rel="noopener">organizing our finances</a> and <a href="https://www.businessinsider.com/master-your-money-bootcamp-decide-what-you-want-2021-5" target="_blank" rel="noopener">putting price tags on our dreams</a>.Use hashtags #MasterYourMoney and #MasterYourMoneyBootcamp to share your thoughts, progress, and connect with others across our <a href="https://twitter.com/BusinessInsider" target="_blank" rel="noopener">Twitter</a>, <a href="https://www.facebook.com/businessinsider/" target="_blank" rel="noopener">Facebook</a>, <a href="https://www.linkedin.com/company/businessinsider/" target="_blank" rel="noopener">LinkedIn</a>, and <a href="https://www.instagram.com/businessinsider/" target="_blank" rel="noopener">Instagram</a> as you make your way through each exercise.Over the course of 2021, we'll conduct four Bootcamps, each culminating in a free, live, virtual discussion among experts about how to make the most of the tasks you've already accomplished. You can take all four Bootcamps this year, or pick and choose.

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