Minority Money
189 episodes - English - Latest episode: 11 months ago - ★★★★★ - 72 ratingsThe Minority Money Podcast is about finance, family, fitness/health, and education and how all of these things affect your overall wealth.
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Episodes
Celebrating the Legacy of the Minority Money Podcast
June 12, 2023 04:00 - 9 minutes - 16.6 MBWelcome back to the Minority Money Podcast! I'm your host, Emlen Miles-Mattingly, and it's been an incredible four-year journey. We've reached listeners worldwide, and I want to express my heartfelt gratitude for your support. Recently, I took the opportunity to revisit our very first episode, and it struck me how much has changed since then. Reflecting on the growth and transformations that have occurred, both personally and professionally, I am overwhelmed with gratitude. Throughout the ...
The Difference Between Price and Cost
April 10, 2023 08:00 - 11 minutes - 16.6 MBWe often get caught up in the idea of making big purchases without fully considering the costs associated with them. In this episode we will explore the difference between price and cost through a conversation with my 15-year-old daughter about buying a car. While my daughter was focused on the price of the car and how to pay for it, I wanted to highlight the additional costs associated with owning a car, such as insurance, maintenance, and the cost of time spent away from other important a...
Building Healthy Financial Habits & Principles for Future Generations
April 03, 2023 08:00 - 13 minutes - 20.1 MBWhat financial advice would you give to your younger self or your children? In this episode, I’ll discuss principles for teaching young people about money. These include paying oneself first, not spending more than one makes, investing early and frequently, never stop learning, and managing debt effectively. It is very important to have open conversations with family members about money and building a healthy relationship with it. Build healthy financial habits and ensure that future gener...
Removing Obstacles and Distractions for Financial Success
March 27, 2023 08:00 - 15 minutes - 28.7 MBAs we near the end of the year's first quarter, let’s reflect on the goals we have accomplished and those we still aim to achieve. In this episode, we’ll talk about removing obstacles and distractions in our lives that prevent us from reaching our financial goals. We will also explore the concept of body budgeting and how it ties into the brain's function in the body's ability to budget. Plus, don't forget to sign up for our six-month Spring Cleaning Your Finances Boot Camp Program with ...
Spring Cleaning Your Finances: Tips for a Financial Fresh Start
March 20, 2023 08:00 - 15 minutes - 22.7 MBSpring has arrived, and it's time to freshen up more than just your home! Why not give your finances a much-needed clean-up? Join me in this episode as we dive into the benefits of spring cleaning your finances and discover how Gen X Wealth's Jumpstart Your Finances Bootcamp can help you reach your financial goals. Let's make this season the start of a new, financially savvy you! Key Points: [1:45] #1 Jumpstart Your Finances Bootcamp by Gen X Wealth [2:14] #2 Key areas covered in Gen ...
The Ripple Effect of Silicon Valley Bank's Collapse
March 14, 2023 08:00 - 9 minutes - 14.7 MBBusinesses beware: The collapse of Silicon Valley Bank sends a stark reminder of the impact a bank failure can have. In this episode, we explore the far-reaching consequences of the bank run that caused its downfall and the importance of FDIC insurance for both individuals and businesses. Listen to learn more about the impact of Silicon Valley Bank's collapse on businesses and the importance of FDIC insurance for depositors. Key Points: [1:16] #1 The collapse of Silicon Valley Bank [3...
Is Indexed Universal Life Insurance right for me?
March 08, 2023 04:00 - 17 minutes - 34 MBThe power of insurance should never be underestimated. But how about we dig deeper into what insurances do and realign them with your financial goals? Today’s episode is about Indexed Universal Life insurance. We talk about how it can be a good investment while serving as your life insurance. We’ll also discuss how to understand policies so you can strategize investing for it. We’ll also debunk insurance misconceptions so you can utilize it according to your financial intentions and outcome...
Life is More Than Just Financial Goals
February 27, 2023 04:00 - 11 minutes - 19.2 MBWe are already in the final days of Black History Month! As we set our goals, we cannot help but strive for wealth. But how about we recalibrate them and aim for your well-being? Today’s episode is about setting your goals. We talk about how focusing on the things that speak longevity and genuine happiness as your goal brings you flexibility, clearer perspectives, and better relationships with the people around you. Make your goal specifically yours. Reclaim your power to strive for lif...
Grow Your Wealth with Dollar-Cost Averaging
February 20, 2023 16:12 - 10 minutes - 15 MBIf you've ever missed out on a big sale in the stock market because of fear or uncertainty, you're not alone. But don't let that fear keep you from taking advantage of potential gains. In this episode, we'll introduce the concept of dollar-cost averaging (DCA) - a practical investment method for those just starting. DCA allows you to control the frequency of your investments and can help reduce your overall risk. This strategy can also be used in your retirement accounts, where a portion o...
Express Your Love Through Estate Planning
February 13, 2023 21:52 - 15 minutes - 23.2 MBEnsure your love lasts a lifetime. Plan your estate to secure your loved one's future and bring them peace of mind. In this episode, I will discuss the importance of estate planning and share a personal experience to highlight its benefits. I will also cover the documents that go into an estate plan, such as wills, trusts, and medical health care directives. Estate planning will help you distribute your assets, and medical health care directives can ensure that one's wishes are respected i...
Ask these Three Magic Questions to Succeed in Life
February 06, 2023 08:00 - 13 minutes - 19.9 MBHave you ever experienced being so good at something and then suddenly just stopped doing it? Like having the discipline for months to save money, but totally lose it on a random day at a shopping center. In today’s episode, I discuss the three magic questions that can help you discern what you need to give your time, energy, and focus on. You can only see results when you learn how to say no to things that rob you of your resources, when you start doing things you should be doing, and if d...
That’s Okay! When you you go off track and don't hit your goals
January 30, 2023 20:00 - 10 minutes - 15.1 MBWe are at the end of the first month of the year! It’s safe to say that everyone is enthusiastic about meeting the beginning of the year. Everyone has their New Year’s resolution, commitment, and/or goal. Everything was planned out, yet things get in the way; life happens. Today’s episode is about being okay when you do not reach your goals and what to do instead. When you don’t lose the weight that you want to, that’s okay. If you didn’t meet the saving goals you set for the month, that’s...
How to Deal with Financial Anxiety
January 23, 2023 07:00 - 14 minutes - 16.8 MBFinancial anxiety is one of the common issues among adults worldwide. Everybody worries about money from time to time, but financial anxiety is different. It can be a product of trauma and a serious mental health issue that you should resolve as soon as possible. In this episode, we will talk about these key points that will help you understand the cause and how to deal with financial anxiety: Signs of Financial Anxiety How Financial Anxiety Affects You How To Handle Financial Anxiety ...
The Value of a Financial Advisor
January 17, 2023 07:15 - 17 minutes - 25.8 MBPartnering with a financial advisor can help you develop confidence and commitment to achieving your financial goals. But, when and why do you need a financial advisor? In this episode, I will talk about four things that a financial advisor can bring value to you: Behavioral side of the financial advisor Customized client experience Tax Rebalancing if you're investing Tune in now as I discuss what things could help you build your net worth! Highlights and Resources: Behavioral Financ...
Getting Ready For Retirement
January 09, 2023 21:31 - 15 minutes - 22.5 MBIn a person’s working life, retirement planning is a must. You are never too young or too old to get started with it. It’s an important part of life as you grow older. After all, who would want to work at a very old age? Today we’re going to answer a few simple questions like "What should I do with my retirement account?”, “What retirement account suits my needs and income?”, “How much money should I put in my retirement account?” Hop in now, as I answer all of your questions, so you can ...
Staying Committed To Accumulating Wealth In Year 2023
January 03, 2023 22:12 - 14 minutes - 21 MBStop writing your new year’s resolution, it’s time to stay committed to accumulating your wealth this 2023. Today’s episode is about how to continue to grow wealth and how to stay on track with your goals. Set your goals right, don’t list more than three goals because you will only lose focus of what you really want to do. 2023 is not the year for excuses. Don’t be afraid to invest this 2023! Listen now! No excuses! Any excuse for non performance however valid softens the character...
Best of 2022 Mash-Up!
December 26, 2022 08:00 - 22 minutes - 31.5 MBWe are back on the podcast after a short break with a mash-up of some of the best moments from 2022! 2022 has been an amazing year! As always, we've continued to highlight fellow minorities who are making waves in the financial planning space, shared their stories and tactics on how you can create generational wealth for your family. We also highlighted stories from strong independent women and the LGBTQ community. Get ready, as 2023 will only get better! Enjoy! Episode Highlights: Be...
A Better Alternative in Investing with Shana Sissel, CAIA
October 03, 2022 04:00 - 44 minutes - 60.9 MBThere comes a season in life where you’ve planned everything out and your course seems to be going in a straight line and suddenly, everything goes wayward. Challenges begin to pile up and you don’t know which one to deal with first. When all the doors are being shut, it might be a sign for you to take an alternate course. Today we are joined by Shana Sissel, Founder, President, & CEO of Banríon Capital Management, the Queen of Alternatives, Mrs. Illinois Intl 2020, and Co-Host of The Blac...
Bucket Days to Wealth & Financial Freedom with Andre Albritton
September 26, 2022 04:00 - 30 minutes - 56.6 MBTo be able to build wealth, you need to begin with a holistic approach to financial planning that is simple enough so you’ll stick with it through up and down times. In this episode, Andre Albritton of The Millennials Next Door will share the Bucket Days Approach to building wealth. People, especially millennials, are intimidated by financial planning and budgeting. Andre makes this less intimidating by breaking down the process of financial planning and budgeting into 3 Buckets. This metho...
Planning Your Life & Finances - a 2022 Mashup!
September 19, 2022 04:00 - 26 minutes - 36.3 MBWe’re about to enter the 4th quarter of 2022! How have you been doing so far? We have curated some of the episode highlights from the earlier part of the year. These episodes are foundational in planning and building towards a life of wealth for you and your family. Take a look back on these episodes and let’s finish the year strong! Enjoy this episode! Links to the full episodes and show notes: Life Planning: Looking Beyond Finances with George Kinder https://minority-money.captivate.fm/...
Successful Career Shifting in your 40’s with Tamara White Hutchinson
September 12, 2022 04:00 - 45 minutes - 62.8 MBIt doesn't matter how old you are, if you want to make a change and uplevel your skills, you can do it! Tamara White Hutchinson is a public relations and communications practitioner of more than 20 years and recently began the process of transitioning into the financial industry, with her money coaching company, The Cash Class. Tamara and I talk about how anyone can successfully change careers in their 40’s. She also shares the change she went through when she started suddenly making six f...
Keeping Up & Taking Advantage of the Economic Inflation with Maricela Miles-Mattingly
September 05, 2022 04:00 - 25 minutes - 34.8 MBFor the first time ever, we have a global pandemic that shut the world down. This fueled the annual economic inflation rate in the US to slow down more than expected. Being on the receiving end of all these circumstances, how will you cope? In this episode, I'll be joined by my wife Maricela Miles-Mattingly, as we celebrate our fifth wedding anniversary. Aside from economic inflation, we'll also talk about student loans, the economy, and banking updates. People want to be more secure at an...
Advancing Financial Technology Through Equal Representation with Nicole Casperson
August 29, 2022 04:00 - 40 minutes - 55.3 MBSo much has been said about equality of representation and its influence, not just within the financial technology industry, but the society as a whole. However, looking at statistics, reality clearly does not complement expectation. In this episode, journalist Nicole Casperson, discusses her role as the founder of WTFintech in calling out clear inequities in the finance industry and the media. As a woman who had been faced with a representational dilemma, Nicole continuously voices out he...
In Pursuit of Financial Freedom with Antoinette Munroe
August 22, 2022 04:00 - 29 minutes - 40.3 MBAs children, we’ve seen our parents struggle financially and become chained to debt. Fast-forward to the present, we’ve grown into people who desire the opposite; to become financially stable and independent. My guest for today was able to do exactly just that! I am joined by Real Estate Investor and Financial Independence Coach, Antoinette Munroe. At just 36 years old, she was able to achieve her retirement goal! In this episode, Antoinette shares her journey of pursuit towards financial...
Own Your Home and Grow Your Mental Wealth with Carlese Laurent
August 15, 2022 04:00 - 28 minutes - 39.7 MBFrom account executive to radio intern to furniture and limousine dealer, Carlese Laurent believed his resume was akin to a Rolodex. Refocusing however on his top two interests - numbers and people - he finally found fulfillment and mission in helping people own their homes. Carlese Laurent joins us today to share his ragged path of paving for the life he always dreamed of. He also teaches us on how mortgage loans work and gives some advice on owning your own homes. On top of dealing with p...
Building Generational Family Wealth with Mitch Brooks
August 08, 2022 04:00 - 38 minutes - 52.7 MBThe hard work we put in today are all for the same dream that one day, our children, the next generation, will live a life far better off than where we stand today. In order to get to that future vision, we have to focus on our present direction. In this episode I am joined by Angel Investor and General Partner of High Street Equity Partners, Mitch Brooks. We will talk about closing the equity gap and building family wealth for the future generations. Mitch shares detailed steps on how yo...
REAL Financial Planning with Carl Richards, CFP®
August 01, 2022 04:00 - 48 minutes - 55.3 MBWhat is your Why? In school, we are taught that math is all about numbers. Would you believe that it's also about love? In this episode, Carl Richards, certified financial planner and author of The Behavior Gap, talks about Real Financial Planning. It’s not just about math but also about emotions. Figuring out your emotional problems and life direction is the solution to your financial problems. Carl talks about how getting to the root of what you truly love and want to do in life, sets...
Stripper Financial Planning with Lindsey Swanson, CFP®
July 25, 2022 04:00 - 34 minutes - 48.6 MBAdult entertainment is one of the oldest industries in history. Whether we recognize it as a part of society or not, it exists, and so do the sex workers who earn income through this. Being in this profession raises stigma, discrimination, and disrespect. And this is why there are very few who cater to their financial planning needs. In this episode, we go back to California and its stigmatized ecosystem, with Lindsey Swanson who made it her mission to create an incredible financial support...
Forging Your Personal Financial Journey with Anthony J. Zhang
July 18, 2022 04:00 - 26 minutes - 37.9 MBWelcome back to another episode of the Minority Money Podcast! There comes a time in everyone’s lives when you need to make a choice so huge that it can change how your life goes. In the case of my guest today, Anthony J. Zhang, it was the decision between being a full-time student, or dropping out and becoming an entrepreneur backed up by a VC. When Anthony set out on his financial journey, he had to think with the end in mind and really plan out the kind of lifestyle he wanted– because he...
We Need to Talk… About Wealth For All Families
July 11, 2022 04:00 - 48 minutes - 68.5 MBWelcome back to another episode of the Minority Money Podcast! Usually, it’d just be me and another guest– but for today, we’ll be having a “We Need to Talk” episode where we air out and talk about building generational wealth for all families. In a country where the color of your skin has a say in how you achieve wealth and stability, this topic is meant to address the great divide and inequalities in both our societies and institutions. While the fight to make financial education more acc...
Emlen & Dasarte Going Independent
July 04, 2022 04:00 - 32 minutes - 46 MBJust as we’re celebrating our independence as a nation– maybe it’s also time for you to consider becoming an independent financial advisor! As we progress in the industry, there’s always going to be a part of us that wants independence in some way, shape, or form to create our own individual journeys. In this episode, long-time recurring guest Dasarte and I talk about how you can achieve this independence, and you need to avoid making the same common mistakes among all financial advisors. ...
Aligning Values and Investments with Laura LaTourette, CFP® and Ramona Maior, CFP®
June 27, 2022 04:00 - 41 minutes - 59.3 MBWelcome back to the Minority Money Podcast! Continuing our celebration of Pride Month, I’ve invited over Laura LaTourette(she/her) and Ramona Maior(she/her) of Family Wealth Management Group. In this episode, we’ll dive right into how companies like the Rainbow Network and Onyx try to make sure that the industry remains progressive as they cater to clients who align their values with their investments! While Pride Month comes to an end, the fight for diversity, equality, and inclusion is st...
Aligning Values and Investments with Laura LaTourette, CFP and Ramona Maior, CFP
June 27, 2022 04:00 - 41 minutes - 59.3 MBWelcome back to the Minority Money Podcast! Continuing our celebration of Pride Month, I’ve invited over Laura LaTourette and Ramona Maior of Family Wealth Management Group. In this episode, we’ll dive right into how companies like the Rainbow Network and Onyx try to make sure that the industry remains progressive as they cater to clients who align their values with their investments! While Pride Month comes to an end, the fight for diversity, equality, and inclusion is still far from over. A...
Happy Juneteenth and Father's Day 2022!
June 20, 2022 04:00 - 9 minutes - 14.4 MBOn the Minority Money Podcast, we talk a lot about equality and representation and why they’re such an important factor in human empowerment. This week, we’re taking a step back from our regularly scheduled program for a special episode dedicated to celebrating Juneteenth and Father’s Day. With this being the first federal holiday of Juneteenth, I want to shed more light on the historical context of the day and what it means to many Americans, especially African-Americans such as myself. I...
Real Estate with Intention and Community with Alex Salazar
June 13, 2022 04:00 - 36 minutes - 52 MBBuying a home is one of the most stressful choices that we can go through. Many of us usually ask if it’s a good or bad time to buy, and these questions can put us off from taking that first step. But here’s the thing: When it comes to building generational wealth, we cannot underestimate the power of owning property. To continue our celebration of Pride Month 2022, I am very happy to be joined by my good friend Alex Salazar of The Salazar Group. With over 18 years of experience as a real e...
From Broke to Badass with Cally Ingebritson
June 06, 2022 04:00 - 43 minutes - 60.7 MBA lot of people have very heavy emotions around money - from anxiety about their financial state to shame from past mistakes. Many of these emotions stem from a lack of financial education and entry points. But when you’re a minority in the United States and access to this information is held by certain privileged groups it can be difficult to break past these barriers. But if we come together as a community and uplift one another we can shake things up and create a more equitable system AND...
Some Life and Business Updates with Maricela Miles-Mattingly
May 30, 2022 04:00 - 19 minutes - 27.7 MBAfter just launching our business, moving to a new house, traveling by plane to Chiacago, and recently celebrating our son’s birthday– it’s been one crazy ride! With a bit of a whirlwind of so many different things happening recently, Maricela and I decided that we wanted to come on here and talk about what we have planned for the next few months! Highlights >> Our son’s birthday! >> The conference in Chicago. >> Quick market updates! >> Stay tuned for Pride Month! If you loved this e...
Banking the Unbanked with Jontae James
May 23, 2022 04:00 - 42 minutes - 59.5 MBThe cannabis industry has been riddled with stigma; both for its place in society, and how black and brown minorities have become the face of it in the war on drugs. While it’s now legal in the state of California, it is still very much federally illegal. Because of this, so many people from the traditional markets that run on cash, are unable to be financed or backed up by banks or are getting taxed incredibly high. In this episode, I’m joined by Jontae James, an entrepreneur who started y...
The Impact of Money with Anjali Jariwala
May 16, 2022 04:00 - 29 minutes - 41.5 MBThere are many iterations of the immigrant story of coming to America with a limited amount of money– or if any at all. Growing up with parents that had to go through this can leave deep impressions on younger generations– where money is scarce and it must be saved. While saving and budgeting is a great way to future-proof, it might not be the best way to make that money work for itself; which is why financial education is so important. For this episode, I’ve invited over Anjali Jariwala, a...
Overwhelming Gratitude, Updates, and Mother’s Day Thoughts
May 09, 2022 08:00 - 15 minutes - 22.8 MBJoin me in this solo episode where I’ll be sharing my overwhelming gratitude for what God has done in our lives and to give you an update on what’s going on behind the scenes. I’d also like to take this time to thank all of you who have been supporting us through the four years of the podcast. This episode is a reflection on life. If you look at things that you've gone through, obstacles you’ve faced, things you've overcome. Look at your life and look at everything that's happened, there's ...
Behavioral Finance: How We Think About Money with Brian Portnoy
May 02, 2022 04:00 - 46 minutes - 65.1 MBWith behavioral finance only formally discovered as early as 50 years ago, there’s been almost a lack of conversation around it. At the end of the day, after people invest, the question that’s asked runs more along the lines of “Is this enough?” and, “Am I going to be okay?” In this episode, I’m joined by Brian Portnoy, the founder of Shaping Wealth, and the author of books that discuss and talk about behavioral finance. With over 15 years of experience, Brian coined the term funding conten...
Building a Financial Planning Firm with Valerie Rivera
April 25, 2022 04:00 - 32 minutes - 46.4 MBGrowing up, we often looked up to those that have achieved what we aspire to be– but for minorities, it can be hard to progress in a world where we don’t see people of color succeed, or we find that they have much bigger hurdles to overcome. It can be intimidating, but that is exactly why we need to face these issues and create the space for change to take place. For this week, I'm joined by Valerie Rivera, a certified financial planner who risked everything to start her own firm. As first-...
Transforming Human Capital with Lazetta Braxton
April 18, 2022 04:00 - 35 minutes - 51.7 MBWhile a lot of companies talk the talk, only a handful ever walk the walk and stand by their promises to be inclusive towards minorities. While indeed the world is changing, the fight is far from over to have financial education and opportunities available to our people. For this episode, I’ve invited Lazetta Braxton, co-CEO of 2050 Wealth Partners, and a social entrepreneur that aims to amplify diversity, inclusion, and equality in the financial planning profession. It is through her own c...
Paying Profits First with CPA Susanne Mariga
April 11, 2022 04:00 - 35 minutes - 51.3 MBFor a lot of minority business owners, building wealth is much more than just the glitters and gold of the entrepreneur title. Business profit can mean the difference between going hungry and keeping your family fed. As an advocate for financial education, I really wanted to bring someone onto the show that can showcase how a different system of cash management can improve the family business profit over time. In this episode, I’m joined by Susanne Mariga, a CPA with a passion to put an end...
Life Planning: Looking Beyond Finances with George Kinder
April 04, 2022 04:00 - 34 minutes - 49.6 MBWe’ve talked so much about financial planning on this podcast, but there’s a much bigger picture we also need to consider when we lay down our finances. And that’s life planning– where we aim our financial goals based on what we want to achieve in our lifetime and how we can support our dreams. In this episode, I’m joined by George Kinder, founder of the Kinder Institute of Life Planning. Harvard-educated, George spent his life revolutionizing financial planning advice for 35 years by train...
Life Planning with George Kinder
April 04, 2022 04:00 - 34 minutes - 49.6 MBWe’ve talked so much about financial planning on this podcast, but there’s a much bigger picture we also need to consider when we lay down our finances. And that’s life planning– where we aim our financial goals based on what we want to achieve in our lifetime and how we can support our dreams. In this episode, I’m joined by George Kinder, founder of the Kinder Institute of Life Planning. Harvard-educated, George spent his life revolutionizing financial planning advice for 35 years by traini...
All The Colors: Changing the Complexion of Wealth with Diana G. Yanez
March 28, 2022 04:00 - 34 minutes - 49.5 MBFinancial literacy is not something that comes easy for a lot of people– oftentimes people are ashamed and shy away from complicated terms. This is especially true for those that speak another language as their mother tongue. In this episode, I’m joined by Diana G. Yanez, founder of All The Colors. Her company aims to teach holistic financial education through workshops, one-on-ones, and shareable educational content. While a whiz with money and numbers, Diana is passionate about her work a...
Financial Planning and the Racial Wealth Gap with Dr. Miranda Reiter, Ph.D.
March 21, 2022 04:00 - 30 minutes - 43.5 MBFor a long time, gender and racial equality stood far from ever being recognized and addressed. It’s only in recent years that we as a society have progressed to be much more inclusive and representative of minorities in the financial planning field. In this episode to celebrate women’s month, I’m joined by Dr. Miranda Reiter, Ph.D., an accomplished individual that has well over 20 years of experience in the field of financial planning. With her credible studies into the racial differences ...
Breaking Glass Ceilings in Finance with Rosa Chalekian and Mari Miles-Mattingly
March 14, 2022 04:00 - 34 minutes - 49 MBWelcome to the second episode of the Minority Money Podcast for Women’s History Month! This episode will be guest-hosted by Mari Miles-Mattingly, featuring Rosa Chalekian– previously a guest for Episode 102 alongside her husband, Alex. In this episode, Mari and Rosa dive into their experience as women still actively fighting for basic respect in different parts of society. From the home to the workplace, it’s only recently that people have grown comfortable having a woman in power or allowi...
Kicking off Women’s History Month with Sonya Dreizler and Liv Gagnon
March 07, 2022 04:00 - 40 minutes - 57.2 MBWelcome to the first Minority Money episode for Women’s History Month! While the fight for equality has made bounds and milestones in our society, women; especially women of color, are still fighting for their space in many aspects of said society. In this episode, I’m joined by Sonya Dreizler and Liv Gagnon, some of the most driven people I’ve met in my life. Striving to empower women and people of color, these two are co-founders of Choir, a new firm that aims to certify and verify that c...