Is Now the Time to Invest in Bitcoin?

In this enlightening clip of Market Mondays, hosts Ian Dunlap and Rashad Bilal tackle the sensitive subject of investment scams with a focus on SPACs, subpar fundraising, and the perilous allure of ego in financial decisions. The discussion kicks off with Ian identifying SPACs and questionable funds as significant investment scams, especially pointing out those lacking solid backing and credibility which pose risks to the community. Rashad expands on personal experiences and emphasizes the critical importance of caution when managing others' money or deciding where to invest.The conversation gets deeper with references to specific controversial figures and real-world consequences of leading with ego, underlining the long-term damages these actions can cause to reputation and financial states. They also deliberate on the responsibilities of financial advisors and the safety measures potential investors should always consider to avoid falling into the traps of attractive yet risky investments.Moreover, Rashad and Ian shed light on the broader implications of financial deceit, including legal retributions and societal repercussions. They conclude with essential advice on accountability and the non-negotiable need to conduct diligent research before making investment decisions. This episode isn't just a talk; it's a stark reminder of the persistent presence of financial scams and the ongoing need for vigilance in the investment world.Tune in to gain valuable insights and learn how to protect yourself from the biggest scams in the investing industry.#MarketMondays #InvestmentScams #FinancialWisdom #SPACs #FinancialEducation #InvestorAwareness #EgoInInvesting #RashadBilal #IanDunlap #AvoidingScams #FinancialAdviceOur Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join Don Peebles, a billionaire, seasoned real estate developer, as he shares his invaluable insights on navigating the dynamic landscape of 2024. From emerging trends to tried-and-true strategies, this video delves deep into the most promising markets and investment opportunities. Peebles talks bout why cities like Boston, New York, Washington DC, Atlanta, Charlotte, Miami, San Francisco, and Los Angeles are on his radar for potential growth and profitability. Whether you're a seasoned investor or new to the game, this video offers a wealth of knowledge to help you make informed decisions in the ever-changing world of real estate. 🔍 Key Topics Covered:00:00 Introduction and Overview 0:57 Insights on Boston and New York Markets 1:22 The Importance of Timing in Real Estate Investment 1:41 Opportunities in Washington DC and Atlanta 2:05 Atlanta's Growing Influence and Economic Potential 2:32 The Rise of Charlotte as a Financial Hub 3:00 Evaluating Investment Opportunities in San Francisco and Los Angeles 3:29 Miami's Ascendancy and Investment Strategies 3:49 Addressing Concerns and Timing in the Miami Market 4:24 Analyzing Anomalies and Opportunities in Miami Beach 5:57 Conclusion and Key TakeawaysWatch this full video and many more at https://eyluniversity.com/ the Number #1 Financial Educational PlatformOur Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this insightful clip of Market Mondays, our hosts delve into the intensifying AI race and the implications for tech giants like Google. As artificial intelligence reshapes industries, Rashad Bilal uncovers the shifts in Google's strategy and the growing preference for platforms like Chat GPT over traditional search engines. Ian Dunlap and Troy Millings analyze Google's partnership with Meta and the consequential layoffs that underscore the tech industry's focus on AI dominance.Join us as we navigate the complexities of investing in individual tech companies versus the stability offered by ETFs and index funds. Rashad Bilal offers invaluable investment advice, highlighting the eventual decline even titans of the industry can face, akin to the historical fall of Kodak. Ian Dunlap contributes to this discussion with historical perspectives on investment safety and efficiency.Troy Millings further elaborates on creating a solid investment base, outlining the "two techs to index" strategy and its variations for robust investment portfolios. Together, they reveal critical insights about company dynamics, market changes, and strategic exits, including Google's acquisition of YouTube and Meta's acquisition of Instagram.As Market Mondays always bridges current events with practical investment wisdom, this episode is a must-watch for both seasoned investors and new market entrants. Learn how to safeguard your investments and understand the forces at play in the rapidly evolving tech landscape.Don't forget to subscribe for more weekly insights and hit the notification bell to stay updated on all things finance and investment. Share with us your thoughts on this AI transition and whether you would opt for individual tech companies or a diversified ETF approach.#MarketMondays #TechInvesting #AITransformation #Google #Meta #InvestmentStrategies #IndexFunds #ETFs #FinancialWisdom #MarketInsights #TechIndustry #ArtificialIntelligence #InvestmentAdviceRemember to check out the master class featured in the video for a deeper dive into building a durable investment portfolio. Stay tuned for our next episode as we continue to dissect the market trends that matter to you.Thanks for watching Market Mondays, where market news meets expert investment analysis. Let's make informed decisions and grow our portfolios together.---Is there anything specific you'd like to hear about in our next video? Drop your suggestions in the comments below, or reach out to us on our social media platforms. We're here to help you navigate the investment terrain of the 21st century.Disclosure: The information contained in this video is for educational and informational purposes only and should not be considered as professional financial advice. Always consult with a financial advisor before making any investment decisions.Our Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this riveting discussion, EYL hosts Rashad Bilal and Troy Millings delve into the transformative landscape of college sports alongside well-known sports analyst Stephen A. Smith. They tackle the emergence of the transfer portal, likening it to a form of free agency with the added intrigue of no binding contracts allowing athletes to switch teams freely. The conversation also covers the nuanced dynamics behind NIL (Name, Image, and Likeness) collectives where wealthy boosters band together to financially support players, fundamentally altering the collegiate athletics ecosystem.Stephen A. Smith passionately voices his stance on the decades-long exploitation of college athletes and the disparity between universities' profits versus what the athletes actually receive. He highlights past grievances, such as the controversies involving Chris Webber and the Fab Five Michigan team, to underscore the rigid and often unfair constraints placed upon student-athletes concerning compensation and benefits.Further, Smith points to coaching legends like Nick Saban and their retirement decisions being influenced by the growing complexities and control shifts induced by NIL rules and the transfer portal. As the hosts and Smith dissect the impact on prominent coaches and storied programs, they debate the definition of a "blue blood" program and ponder the future of college basketball's traditional powerhouses in light of these sweeping changes.The EYL Medium #1 - Smith.mp4 episode doesn't hold back in dissecting the contemporary challenges faced in college sports, as well as the groundbreaking shifts in revenue, recruitment, and the rise of modern-day coaching strategies that embrace these changes. It's an enlightening conversation that speaks volumes to sports and business enthusiasts alike, providing insights into the ongoing evolution of the NCAA's athletic and financial landscapes.Tune in to this compelling episode of EYL with the expertise of Stephen A. Smith, as the hosts uncover the intricacies of college sports and what it means for the future of programs, players, and coaches in this dynamic era.Don't forget to like, subscribe, and leave your comments below. We'd love to hear your thoughts on the current state of college sports and NIL collectives. Have you noticed the shifts in your favorite collegiate programs? How do you feel about the payment and treatment of college athletes? Join the conversation.#EYL #StephenASmith #CollegeSports #NIL #NCAA #TransferPortal #AthleteCompensation #Basketball #Recruitment #CoachingChanges #KentuckyBasketball #NickSaban #FabFive #ChrisWebber #NameImageLikeness #SportsBusiness #AthleticsEvolution #PowerhousePrograms #BlueBloods #UniversitySports ---Stay connected for more intriguing discussions like this one:- Instagram: @EarnYourLeisure- Twitter: @EarnYourLeisure- Website: www.earnyourleisure.comFor more sports analysis and insights from Stephen A. Smith, follow him across his platforms. If you're enjoying the content, consider supporting the channel on Patreon for exclusive content and behind-the-scenes access!00:00 Introduction to College Sports Evolution00:55 Stephen A. Smith on NIL and Transfer Portal04:03 The Effect on Coaches like Nick Saban05:43 Defining Success in College Programs07:31 What Constitutes a "Blue Blood" ProgramMake sure to turn on post notifications to stay updated with all the latest from EYL! #EarnYourLeisure #StephenASmith #CollegeAthletics #BusinessOfSports #SportsTalk #FinancialEducationOur Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome to today's episode of Earn Your Leisure! In this powerful session, we explore the transformative journeys individuals embark on after incarceration, the vital role of nonprofits in society, and practical guidance for those looking to make a meaningful impact through charitable work with Jonathan Alvarez. Topics covered include:- Essential steps to rebuild your life after prison.- Understanding the rehabilitative aim of incarceration.- Starting a nonprofit: A step-by-step guide.- Revenue models for nonprofit organizations.- Addressing and overcoming post-incarceration trauma.- Jonathan Alvarez's inspiring story of founding a nonprofit focused on combatting mass incarceration after his 13-year sentence.- Rehabilitation programs within prisons aimed at preparing inmates for reintegration.- The psychological impacts of time spent in prison.- Why working in a nonprofit can be invaluable experience before starting your own.- Effective strategies for securing funding for your nonprofit initiatives.- The importance of mission over money in nonprofit work.- Tips for recruiting the right board members for your nonprofit.- Understanding state funding regulations for nonprofits.- How achieving a higher Guidestar seal can enhance your nonprofit's appeal to donors.- Exploring the lasting impact of trauma as symbolic baggage.Tune in as we delve into these topics, providing insights and advice to empower you and help pave the way for success in the nonprofit sector.#EarnYourLeisure #Nonprofits #PostIncarceration #Rehabilitation #NonprofitFunding #SocialImpact #Guidestar #TraumaAwarenessDon't forget to like, subscribe, and hit the notification bell to stay updated with all our latest content!Our Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this compelling clip of Market Mondays, our dedicated hosts, Rashad Bilal and Troy Millings, along with investment expert Ian Dunlap, delve into the latest shakeup in the global smartphone market. Samsung has claimed the top spot as the world's leading smartphone provider, surpassing tech giant Apple. Amidst intense competition, two Chinese companies, Huawei and Xiaomi, are quickly emerging as significant players, securing the third and fourth largest market shares, respectively.The hosts explore the multilayered reasons behind this shift, from potential complacency on Apple's part to the innovative strategies adopted by their competitors, such as Samsung’s release of the S24 and its focus on AI. The discussion also touches on the geopolitical climate influencing consumer choices, particularly the increasing preference for national brands in China and the impact this has had on Apple's sales.Ian Dunlap emphasizes the importance of innovation for staying ahead in the tech industry and signals concern for Apple's future if it doesn’t adapt swiftly. The conversation takes a broader look at the tech economy's health, hinting at the dire consequences that a lack of innovation can spell for industry leaders, drawing parallels with historical market shifts.Troy Millings highlights the geopolitical aspect, discussing the impact of nationalism on purchasing habits and the policies that are influencing the global smartphone landscape. The hosts also candidly discuss the future of Apple and its importance to the economy, insisting on the urgency for the tech behemoth to introduce groundbreaking changes to its smartphone lineup or risk further decline in market share.Tune into Market Mondays for an insightful analysis that combines financial expertise, market trends, and geopolitical insights to provide a comprehensive look at the dynamics within the smartphone industry. Whether you're an investor, tech enthusiast, or someone interested in the global economic landscape, this episode is a must-watch. Remember to like, comment, and subscribe for more updates on the latest market trends and investment insights from Market Mondays.#MarketMondays #Samsung #Apple #Huawei #Xiaomi #SmartphoneMarket #TechNews #InvestmentAnalysis #Innovation #GlobalEconomy #Geopolitics #ConsumerTrends #AppleVsSamsung #SmartphoneCompetition #TechGiants #InvestmentTips #EconomicInsights #FinancialExpertise #TechIndustry #MarketShare #InvestfestDon't miss the captivating conversation that uncovers the strategic maneuvers and market dynamics that define the new landscape of smartphone dominance. Discover how these changes might impact your investment strategies and what the future might hold for Apple and other key players in the market.Our Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Dive into Market Mondays' latest clip as hosts Rashad Bilal and Ian Dunlap drop heavyweight advice for traders aiming to conquer the futures market. Gain invaluable insights on mastering short targets, leveraging moving averages, and the perils of overtrading. This episode, recorded on April 15th, is an absolute must-watch for anyone keen on transitioning from knowledgeable trader to market money-maker. 🎯 *Key Highlights:*1️⃣ Master One Short Target: Rashad emphasizes the importance of honing in on one target when trading futures or options. By committing to this strategy for an extended period, traders can enhance their ability to extract monetary gains from the market.2️⃣ Moving Averages Insight: Discover why observing key moving averages (20-day, 50-day, 72-day, 100-day) on a Monday can aid in determining the market's trajectory and inform decisions on when to exit trades.3️⃣ Overtrading Is a Trap: The discussion delves into the hidden dangers of overtrading, likening it to high-interest credit card debt, and touches on the psychological aspects that can block a trader's path to remarkable profits.4️⃣ Strategic Target Splitting: Learn about the tactic of splitting targets for futures trading, with concrete examples of tick strategies for Nasdaq and how this can enhance your average earnings without the fear of missing out on lucrative moves.5️⃣ Execution Over Information: Rashad encourages traders to focus less on accumulating information and more on executing trades effectively to consistently pull profits from the market.🔄 *Trading Philosophy:*- Rashad and Ian discuss the necessity of mastering multiple skills in today's fast-paced world. They also explore the challenges posed by potential interest rate increases and the impact on trading strategies.- The conversation highlights the importance of time allocation and decision-making when actually buying or selling in the investment process.✨ *Takeaway Message:*The episode drives home the point that mastering your trade, whether it's futures, options, or other financial instruments, is not just about knowing the techniques but also applying them with discipline and confidence.🚀 *Join Market Mondays for More:*Subscribe to the Market Mondays YouTube channel for more enlightening discussions that empower your trading journey. Whether you're a budding enthusiast or a seasoned investor, our content is tailored to provide you with the tools you need for financial growth.#TradingSecrets #FuturesTrading #InvestingTips #TradingDiscipline #MarketMondays #FinancialEducation #TradingStrategies #InvestmentWisdom➡️ *Got Questions? Drop a Comment Below*The Market Mondays community thrives on interactive discussions and shared learning. If you've got questions or experiences related to today's topic, we'd love to hear from you. Leave a comment, and let's nurture a space where all traders can grow together!✍️ *Your Market Mastery Awaits*As always, we're committed to providing you with insightful content that propels your trading expertise. Stay locked in with us every Monday for fresh episodes packed with market analysis and trading tips to help you achieve your aspirations.📈 *Rise Above the Noise*Futures trading is filled with hurdles, but with Market Mondays' sage advice, you're more than equipped to rise above and write your success story. Master your craft, stack those wins, and join us as we navigate the vast world of financial markets. Together, let's turn wisdom into wealth!Our Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome to another eye-opening edition of EYL, join hosts Rashad Bilal, Troy Millings, and special guest Aisha Bowe as they delve into the often unseen struggles and unique strategies employed by minority and women founders in the entrepreneurial landscape. Aisha, a former NASA engineer turned entrepreneur, shares her journey of securing funding against the odds and her passion for enhancing STEM education through her company. Discover how she bypassed traditional venture capitalists by targeting family offices, de-risking her initial funding round, and mobilizing traditional capital in an ingenious founder-led seed round.She also outlines her ongoing mission to raise an additional million dollars. Dive into the conversation about the importance of 'friendly patient capital', and how cultivating strategic investors has not only fueled her business growth but allowed her to make significant social impact, particularly in education.Listen to Aisha recount her company's success in partnering with major corporations like Siemens and Microsoft, and how these partnerships are changing the game for STEM education. Discover the custom content being developed, from climate satellite kits to moon rover buggies, and understand why this innovative approach to education is crucial for shaping a brighter future.Learn about the challenges she faces in reaching school districts and the extensive marketing efforts required to bring her vision to fruition. Through her determination and creativity, Aisha is keen on showcasing how STEM education, coupled with entrepreneurship, can equip the younger generation with the tools for success, irrespective of their academic backgrounds.With a clear and ambitious vision, Aisha envisions her company as a global provider of immersive STEM experiences that incorporate cutting-edge technology like augmented reality. She emphasizes the power of nurturing entrepreneurship skills from a young age, advocating for early business experiences to build confidence and capability in tomorrow's leaders.Join us in this compelling discussion that merges the worlds of entrepreneurship, education, and technology, and be inspired by Aisha Bowe's dedication to paving the way for more inclusive and impactful practices in the business world.If you're a school district, an investor, or simply keen on supporting a transformative approach to STEM education, watch this episode to learn how you can be a part of this exciting journey.*Don't forget to hit the like button, subscribe, and click the notification bell to stay updated with EYL's latest content.**Connect with us:*- Instagram: @EYL- Twitter: @EYL- Facebook: /EYL- Website: www.eyl.com*Contact Aisha Bowe for partnerships and investments or to learn more about her STEM kits and programs.**Hashtags:*#EYL #AishaBowe #STEMEducation #VentureCapital #Entrepreneurship #Innovation #MinorityFounders #WomenInBusiness #Tech #Education #Investing #StartupFunding #CapitalRaise #STEM #MinoritiesInTech #InclusiveEducation #DisruptTheNorm #EntrepreneurMindset #ImpactInvesting #FutureLeaders #TechEd #VCfunding #FamilyOfficeInvestment #StrategicInvesting #SuccessAgainstOdds #EducationalImpact #STEMKits #EarlyEntrepreneurship #GlobalSTEM*Remember to share this video and spread the message of educational empowerment and innovative funding!*Our Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome back to Market Mondays, your weekly dose of real estate insights and financial literacy! In this highlight from our latest clip, hosts Ian Dunlap and Rashad Bilal reveal and discuss a hot topic that affects many Americans today: affordability in the housing market.If you're earning less than $75,000 a year, and thinking it's impossible to own a home—you might want to reconsider. The duo dives into a list of ten states where home ownership is still within reach for those earning under the 75K threshold. From Mississippi's $63,000 affordability marker to Louisiana's $67,000 benchmark, they cover the full spectrum.Beyond just listing these affordable states, Ian and Rashad critically examine what this means for the average American, including the potential drawbacks and implications of living in these areas. They explore the state economies, political climates, and opportunities for upward mobility.As they dig deeper, Ian proposes innovative ideas for leveraging the benefits of these states, such as running online businesses remotely to create financial arbitrage opportunities. Targeting the heart of entrepreneurial spirit, they emphasize the pressing need to adapt and seek out consistent revenue streams, no matter where you reside.Later in the conversation, the question of investing in these states is raised. Ian and Rashad share their personal views on whether states like Michigan or Indiana have investment potential. They also touch on the future of bigger markets like Los Angeles and New York, offering their bullish or bearish sentiments in light of recent economic shifts and trends.Is renting a better option for those in the sub-75K income range? Are some states a wiser investment choice than others? What strategies can you employ to maximize your financial possibilities? Join Ian and Rashad as they tackle these pressing questions, always keeping it real with their expert insights and actionable advice.Remember to share your thoughts in the comments below! Are you considering a move or investment in any of these states? Do you agree or disagree with the points discussed?Don't forget to like, share, and subscribe to Market Mondays for more finance and investment content every week. Hit that notification bell so you never miss an opportunity to stay ahead of the market!#HousingAffordability #RealEstateInvesting #MarketMondays #FinancialLiteracy #EntrepreneurialMindset #EconomicTrends #StateEconomies #HomeOwnership #InvestingStrategies #CostOfLiving #FinancialFreedomTimestamps:00:00 - Intro & List of Affordable States for Home Buying01:28 - Analyzing the Average American Income and Home Buying02:17 - The Economic States of the Listed Affordable States03:08 - Strategies for Living and Investing in These States05:23 - The Role of Entrepreneurship in Today's Economy06:20 - Housing Market Challenges for Sub-75K Income Earners08:34 - Discussing the Housing Affordability Threshold10:02 - Why Investing in Winning States Like Florida and Texas Matters14:14 - The Future Prospects of States Not on the Affordable List17:27 - New York's Long-Term Outlook and Possible Decline21:15 - The Most Bullish States from the Affordable List24:45 - Closing Thoughts & Call to ActionThank you for tuning in to this edition of Market Mondays. Always invest wisely and we look forward to bringing you more content to equip and inspire your financial journey.---Remember, this is just a snapshot of the lengthy discussion. Access the full video for an in-depth analysis and compelling conversation about real estate opportunities across the United States and the evolving landscape of our economy. Stay informed, stay empowered, and let's build wealth together with Market Mondays!Our Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Market Mondays takes a deep dive into the value of gold, the trajectory of interest rates, and a preview of the upcoming earnings season. In this clip, our hosts Rashad Bilal, Troy Millings, and the insightful Ian Dunlap break down why gold may be a good hedge against the falling dollar and discuss the potential of zero rate cuts in the current year, disputing the predicted number of cuts. They analyze the probability of rate adjustments affecting the upcoming elections and reminisce on the financial impacts of COVID-19 and its mismanagement.Ian voices his bullish stance on Goldman Sachs while expressing mixed feelings toward Bank of America and Morgan Stanley. Conversation flows into expectations for Netflix's earnings report, applauding their resilience and strategical adaptation post-2022 challenges. Health care sector investments are also scrutinized, with a special nod to United Health and Lilly, contrasted with a skeptical view on airline stocks, particularly United Airlines, considering Boeing's ongoing issues.#MarketMondays #GoldInvestment #InterestRates #EarningsSeason #Netflix #BankingStocks #UnitedHealthcare #Lilly #AirlineStocks #UnitedAirlines #FinancialAnalysis #InvestmentStrategies #GoldmanSachs #BankofAmerica #MorganStanley #YoutubeFinance #EconomicInsights #COVID19FinancialImpact #FederalReserve #Inflation #FinancialMarkets #Tradingview #DXY #CharlotteFinancialHub #JermaineCole #Dreamville #MichaelJordan #InvestorWisdom #FinancialDiscussion #RateCutsPredictionWelcome to another insightful episode of Market Mondays! In today's discussion:📈 Gold Spike - Is it time to invest in gold? Hear Ian Dunlap's perspective on why gold and bitcoin might be smart picks as stores of value against a depreciating dollar.💵 Rate Cuts Debate - Are rate cuts on the horizon? Our hosts tackle the predictions and the political and economic implications.🏠 Investment Ideas - Discover the top things that could potentially go up in value as inverse dollar trades, including the S&P 500 and Ethereum.📊 Earnings Preview - We dive into upcoming earnings reports from heavy hitters like Netflix, Goldman Sachs, Bank of America, and more. 💉 Health Sector Check - Get Ian's take on United Health, Lilly, and why he's not too thrilled about airline stocks at the moment.If you're searching for knowledge on where to park your money or curious about the future of financial markets, this episode is brimming with analysis and predictions. Don't forget to leave your thoughts in the comments, like, and subscribe for more financial wisdom every Monday. 🌟#MarketMondays #GoldInvestment #InterestRates #EarningsSeason #Netflix #BankingStocks #UnitedHealthcare #Lilly #AirlineStocks #UnitedAirlines #FinancialAnalysis #InvestmentStrategies #GoldmanSachs #BankofAmerica #MorganStanley #YoutubeFinance #EconomicInsights #COVID19FinancialImpact #FederalReserve #Inflation #FinancialMarkets #Tradingview #DXY #CharlotteFinancialHub #JermaineCole #Dreamville #MichaelJordan #InvestorWisdom #FinancialDiscussion #RateCutsPredictionOur Sponsors:* Check out Yahoo Finance: finance.yahoo.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy