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Niantic initially rejected Bell's pitch, so he emailed the company's CEO once per week for three months — ultimately securing $150,000 in startup funds, Bell said. "That's brilliant, and I hate you, because now everybody out there is going to send us 600 emails a week," investor judge Mark Cuban told Bell in response. His Austin-based app, Card.io, is a social game where users compete for turf in their city by walking, running or biking. The app is free, with individual and group subscription tiers that remove ads and offer social media-type functions for members. "I told my mom, 'We're going to be on this show one day, Mom, and I'm going to bring you,'" he said.
Persons: Destin Bell, Bell, Niantic, Mark Cuban, Austin, Card.io Organizations: Developers Initiative, CNBC
CNN —A new CNN investigation documents how political campaigns have deceived the elderly and people with dementia with badgering, personalized text messages and prechecking boxes for recurring donations. Read the report, which illustrates the aggressive text messaging and charts how recurring donations can add up to hundreds of thousands of dollars drained from retirement savings. The team spent a significant chunk of that time gathering and reviewing the stories of elderly donors from a variety of sources: public records, complaints filed with government agencies, lawsuits and cold-calling donors. RAPPARD: Experts we spoke to told us that elderly donors are the backbone of grassroots fundraising efforts. It became clear to us throughout our reporting process the kind of effect these tactics were having on elderly donors.
Persons: Blake Ellis, Melanie Hicken, Yahya Abou, Ghazala, Audrey Ash, Anna, Maja Rappard, ELLIS, WinRed, Donald, Trump, , ABOU, Casey Tolan, , Donald Trump, Don Jr, Karen, Gabe Ramirez, Democratic Sens, Amy Klobuchar, Dick Durbin, WOLF, TRUMP, Marjorie Taylor Greene Organizations: CNN, Republican, New York Times, Republican Party, Golden Eagles, Netflix, Democratic, Federal, Commission, Republicans, Trump Locations: WinRed, inboxes
"We aren't flashy with our wealth because money isn't our ultimate goal," one said. Gary said they had an "incredibly average" path to wealth, emphasizing prudent investments and modest living. Some stories of people striking it rich and retiring early include unrelatable circumstances, such as family wealth, entrepreneurship, or a superstar career at the top of the corporate ladder. Lawrence Delva-Gonzalez and his wife grew their net worth from $150,000 in debt in 2012 to $1.3 million in 2024. AdvertisementJustin Hall and his wife now live a nomadic lifestyle after retiring early.
Persons: , Anthony Drew Gary, Gary, could've, Xiao Yu, Xiao Yu Yu, It's, Yu, they're, it's, Lawrence Delva, Gonzalez, Delva, Justin Hall Organizations: Service, Indiana, Aldi, Federal, Federal Reserve, Marine Corps, Justin Hall Hall, Air Force Locations: Indianapolis, China, Washington, DC, Port, Prince, Haiti, Tallahassee, Virginia
Activist hedge fund Starboard has taken a stake in drug giant Pfizer. AdvertisementActivist hedge fund manager Jeff Smith outlined his concerns about drugmaker Pfizer on Tuesday but stopped short of offering a solution — saying that's a job for the board of directors. He also shared a version of the presentation his hedge fund Starboard presented to Pfizer officials at a meeting last week. "We all get measured by our track record," Smith told the crowd. The track record is not great during this period of time in the pharma industry."
Persons: execs, , Jeff Smith, Smith, Pfizer, It's, I'm Organizations: Pfizer, Service, 13D, pharma Locations: Manhattan, Central, Olive Garden
I'm married and have three kids, and I recently became an American citizen so I could vote. AdvertisementI became an American citizen at the end of 2021My three kids were born in the US and are American citizens. So, after being on a green card for four years, I decided to apply for American citizenship. This is the first year I will vote for presidentSince becoming a citizen, I have participated in all local elections. I want to be able to cast my vote for their future since they can't vote yet.
Persons: I'm, , I'd, I've, It's, Weeks Organizations: Service, Columbia Journalism's, New York City Locations: New York City, Argentina, American, New York
Gary Stevenson, the author of "The Trading Game," spent his early 20s trading trillions of dollars for Citibank in London and Tokyo. He talks to Business Insider about office culture in Canary Wharf, London; the bosses; and the bonuses. He covers the mindset of profitable bankers, their daily routine, and what leaving the job was like. Now, Gary teaches economics through his YouTube channel, Garyseconomics. For more:"The Trading Game" — US publication"The Trading Game" — UK publicationGary's YouTube channel
Persons: Gary Stevenson, Gary, Gary's Organizations: Citibank, Business, YouTube, BI Locations: London, Tokyo, Canary Wharf , London
Here are some of the ways Bank of America analysts think the upcoming election results could affect the stock market. Harris presidency, split government A victory for Democratic candidate Kamala Harris in the White House, plus a Republican-controlled Congress, could be "the best outcome" for online media companies, according to Bank of America analyst Justin Post. He noted that Harris is likely to enforce a potential ban on TikTok — which could boost Meta Platforms and Snapchat . Trump president, split government A win for Republican candidate Donald Trump and a split government would be the best-case scenario for bank stocks, per analyst Ebrahim Poonawala. On the other hand, a Trump presidency would be viewed positively by gig-economy companies, including Uber and Lyft, according to analyst Post.
Persons: , Harris, Kamala Harris, Justin Post, Lorraine Hutchinson, Donald Trump's, , Athletica, Joanna Gajuk, Gajuk, Jessica Reif Ehrlich, Ehrlich, Jason Kupferberg, Kupferberg, Dick Durbin's, Donald Trump, Ebrahim Poonawala, Poonawala, Republicans —, Dimple, Trump, Uber, Craig Siegenthaler, Siegenthaler, Rafe Jadrosich, Trump's, — CNBC's Michael Bloom Organizations: White, Bank of America, of America, Democratic, Republican, Democrat, Department of Justice, Eagle Outfitters, Urban Outfitters ., Health, Tenet Healthcare, Universal Health Services, Democrats, Agilon, Humana, Big Tech, House, Trump, Republicans, Oscar Health, Centene, GOP, Securities, Exchange, Entertainment, Packaging Corporation of America, American Eagle Outfitters Locations: Hutchinson, U.S, China, Washington
Messi came on as a substitute in the second half and stole the show with a rapid-fire hat-trick, netting three goals between the 78th and 89th minute. This made the 37-year-old the all-time leading goal scorer in the club’s short history – his 33 goals take him past teammate Leonardo Campana’s current total of 32, according to the team. The win – the squad’s 22nd of the season – pushed Miami’s point total to 74, breaking the MLS record of 73 set by the Revolution in 2021, per the club. “For the team, it’s a boost of confidence, more confidence,” said head coach Gerardo Martino postgame, via Inter Miami. Carmen Mandato/Getty ImagesAnother excellent team goal, assisted by Suárez, gave Messi his hat-trick to cap off the scoring frenzy.
Persons: Lionel Messi, Messi, Leonardo Campana’s, , , Gerardo Martino, it’s, ” Miami, Sam Navarro, Gianni Infantino, Luca Langoni, Dylan Borrero, Luis Suárez, Jordi Alba –, Benjamin Cremaschi, Messi dribbles, Carmen Mandato, Suárez Organizations: CNN, Inter Miami, Major League Soccer, England, Miami, Chase Stadium, MLS, , Inter, USA, Reuters, FIFA, US, Eastern Conference, Eastern, CF Montréal, Atlanta United Locations: Inter Miami, New England, Miami
Our writers preview a World Series matchup between two of baseball’s most storied franchises, with no shortage of star power and storylines. He hit the go-ahead home run in the 10th inning of Game 5 of the ALCS to send the Yankees to the World Series. — KirschnerCheck back later for World Series predictions from The Athletic’s MLB staff. Now he’ll play in his first World Series against a franchise he grew up rooting for while living in Los Angeles as a child. AdvertisementBigger picture for Stanton: A possible World Series title (and perhaps an MVP award) would add to his growing Hall of Fame case.
Persons: Fabian Ardaya, Chris Kirschner, Eno, It’s, ‘ Nuff, weren’t, Gerrit Cole, Carlos Rodón, Andy Pettitte, Clarke Schmidt, Luis Gil, Tommy Kahnle’s, Clay Holmes, Luke Weaver, Jake Cousins, Daniel Hudson, Anthony Banda, Michael Kopech, Evan Phillips, Blake Treinen, Alex Vesia, Yoshinobu Yamamoto, Walker Buehler, Mookie Betts, Max Muncy, Will Smith, Tommy Edman, Tyler Glasnow, Gavin Stone, Clayton Kershaw, Dustin May, they’ve, Freddie Freeman, , Kahnle, Weaver, Tim Hill, , Nestor Cortes, Juan Soto, Soto, Aaron Judge hasn’t, Gleyber Torres, Giancarlo Stanton, Shohei, Ohtani, couldn’t, DH Stanton, He’s, Stanton, Giancarlo Stanton isn't, Aaron Judge, Gerrit Cole RHP, Luke Weaver RHP, Fielding Austin Wells, Jack Flaherty RHP, Fielding Tommy Edman, Dave Roberts, Shohei Ohtani, John Sterling, Yankees Giancarlo Stanton isn’t, Aaron, Luis Gil GO, Maddie Meyer, Daniel Shirey Organizations: It’s Yankees, Dodgers, Yankees, Fox, Yankees ’, Dodger, Mets, MLB, . Dodgers, savor Dodgers, Rosenthal, Guardians, of Fame, Aaron, Fielding, NL Locations: pinstripes, Ohtani, barreling, Los Angeles, Cooperstown,
"American Express had tremendous success at winning over lots of younger customers, who will likely stick with the company for decades to come," he said. American Express saw its stock slip last week after reporting a slight revenue miss and trimming its full-year forecast for the metric. To Cramer, Wall Street isn't paying enough attention to American Express's earnings strength. "If you believe the big story, then, like me, you know that this regularly quarterly pullback is your chance to buy American Express hand over fist," Cramer said. American Express did not immediately respond to a request for comment.
Persons: CNBC's Jim Cramer, wasn't, Monday's, Cramer, cardholders, Gen, Christophe Le Caillec Organizations: American Express, Express, Federal Reserve
Kirat Assi shares her story of being catfished for eight years in Netflix's "Sweet Bobby: My Catfish Nightmare." The catfisher, Simran Bhogal, seems to have no online presence now. AdvertisementWarning: Spoilers ahead for Netflix's "Sweet Bobby: My Catfish Nightmare" and Tortoise's podcast "Sweet Bobby." AdvertisementSimran Bhogal seems to have scrubbed her online presenceThe real Bobby Jandu and Kirat Assi in "Sweet Bobby: My Catfish Nightmare." Tortoise's 2021 podcast series "Sweet Bobby," also about Assi's catfishing case, provides the most information about Bhogal's life.
Persons: Kirat Assi, Bobby, Bobby Jandu, Simran Bhogal, , Kirat, Assi, Jandu, Sanj, Bhogal, Assi's, catfishing Assi, Alexi Mostrous, Mostrous Organizations: Service, Tortoise Media, Facebook, Netflix, Barclays, Finance, London's Locations: Netflix's, London, Brighton, Assi's, West London
Bring on the most anticipated World Series in recent memory. The bullpens could decide the World SeriesThe Yankees’ series victory over the Guardians offered two gifts for Yankee fans:The club’s first World Series appearance since 2009. Not bad for an outfielder who will turn 26 on Friday — on the opening day of the World Series. This is not the roster that Los Angeles thought would carry them to the World Series way back in March. Can Freddie Freeman get back on the field for the World Series?
Persons: Mariano Rivera, Cleveland’s Emmanuel Clase, Clase, Rivera, Nobody, Aaron Judge, Giancarlo Stanton, Juan Soto, Soto, Alex Gordon, Jayson Werth, Shin, Soo Choo, salivating, Cleveland’s Hunter Gaddis — Soto, It’s, He’s, Ted Williams, you’re, Tyler Glasnow, Clayton Kershaw, Alex Vesia, River Ryan, Gavin Stone, Bobby Miller, James Paxton, Tommy Edman, Walker Buehler, Freddie Freeman’s, Teoscar Hernández, Will Smith, they’d, they’re, Freddie Freeman, Harry, Freeman, Max Muncy, Dave Roberts, Luke Hales Organizations: Major League Baseball, Dodgers – Yankees, Phillies, Diamondbacks, Rangers, Dodgers, Yankees, League, Yankee, Yankees ’, Guardians, Washington Nationals, Baseball, Astros, Padres, Mets, Dodger, Atlanta Braves Locations: Angeles
(CNN) — What would you do if your best friend (or sister, aunt, daughter) told you she had breast cancer? One in eight women in the United States will be diagnosed with breast cancer in her lifetime, according to the National Breast Cancer Foundation. Every breast cancer story is personalWhile the individual tales of each person with breast cancer share some of the same contours, the details and the story arcs can be vastly different. There are different types of breast cancer, and people are diagnosed at different stages (both Sidner and Lewis were stage III). “I don’t know of breast cancer in my family,” Sidner told Elam during their conversation.
Persons: Sanjay Gupta, , Stephanie Elam, Ananda Lewis, Elam’s, Sara Sidner, Sidner, Lewis, Elam, they’ve, ” Sidner, , it’s, Lewis –, , you’re, Don’t, ” Elam, Sara, Ananda, Organizations: Cancer, CNN, MTV, Senior, National Breast Cancer Foundation Locations: United States, Elam,
UBS sells its 50% stake in Swisscard to American Express
  + stars: | 2024-10-21 | by ( ) www.cnbc.com   time to read: +1 min
UBS is offloading part of the Credit Suisse business it acquired last year with a deal to sell the fallen bank's 50% stake in credit card provider Swisscard. UBS will sell its 50% holding in the company to its joint venture partner American Express , Swisscard said in a statement. After the deal, Amex will become the sole owner of Swisscard, with Credit Suisse customers transferring to the existing UBS credit card platform. Swisscard said it would continue to issue all other cards it issues under the American Express, Mastercard and Visa licenses and will continue to operate the American Express business in Switzerland. Following its emergency takeover last year, UBS is now divesting parts of the Credit Suisse business.
Persons: Swisscard, Amex Organizations: UBS, Credit Suisse, American Express, Mastercard, Visa, Credit Suisse Securities Locations: Krakow, Poland, Switzerland, China, Swisscard
American consumers and businesses are having a hard time paying off credit card, auto, and commercial real estate debt. Bank CEOs said on recent earnings calls that elevated prices and interest rates continue to weigh on Americans. According to Federal Reserve data, the past-due debt share for credit card, auto, and commercial real estate has recently risen to above pre-pandemic levels. That's because some loans are coming due — forcing businesses to refinance at much higher interest rates. The financial roller coaster of pandemic payments, whipsawing inflation, and high interest rates are especially affecting lower-income Americans.
Persons: , Wells Fargo's, haven't, Bruce McClary, David Schiff, Schiff, Edmunds, Stephen Biggar, Biggar, Jane Fraser, Brian Moynihan, Charles Scharf, Wells, Jeremy Barnum, There's, I'm Organizations: Bank, Service, Federal Reserve, Business, Bank of America, JPMorgan, Citigroup, Bank of, New, Fed, National Foundation, Credit, Argus Research, Bank of America's Locations: Wells Fargo, delinquencies
For some shoppers, the upcoming holiday season may lead to significant credit card debt. "Between buying gifts and booking peak-season travel, the holidays are an expensive time of year," said Sara Rathner, NerdWallet's credit cards expert. "Not only are consumers at risk of getting into credit card debt, but that debt can stick around long after the decorations come down." More from Personal Finance:2 in 5 cardholders have maxed out a credit card or come close2.5% adjustment to Social Security benefits coming in 2025'Fantastic time' to revisit bonds as interest rates fallThe stakes are higher in 2024 with credit card debt already at $1.14 trillion. The average credit card charges more than 20% — near an all-time high.
Persons: Sara Rathner Organizations: Finance, Security, National Retail Federation, Shoppers
They worry that the expanded tax credit would reduce incentives to find a job, hurting the economy. The child tax credit “is a costly transfer program for taxpayers with kids who do not need government handouts,” the Cato Institute, a libertarian think tank, has said. In 2022, after one year, Congress allowed the expanded child tax credit to expire. While it was in effect, the expanded child tax credit reduced child poverty in the U.S. by nearly half, studies have found. JD Vance, Donald Trump’s running mate, has said he favors expanding the child tax credit as well, though he is vague on details.
Persons: Kaleena Daugherty, Kamala Harris, Daugherty, , , , She’s, Harris, JD Vance, Donald Trump’s Organizations: Cato Institute, Poverty, Columbia University, Ms, Budget Locations: Milwaukee, U.S
Tech investor Ray Wang — who owns all Magnificent Seven stocks — laid out his rankings of favored tech plays on Monday. Wang equated the AI expansion to the Amazon 's early e-commerce buildout. Amazon is Wang's second favorite Magnificent Seven pick, followed by pure-play AI beneficiaries Microsoft and Alphabet . Wang also expects the company — along with Alphabet — to benefit from the political advertising season underway. Here's how each Magnificent Seven member is doing year to date: Nvidia: up 182% Amazon: up 22.8% Microsoft: up 10% Alphabet: up 17% Apple: up 22% Tesla: Down 12.4% Meta Platforms: up 61%
Persons: Ray Wang —, CNBC's, Wang, Tesla, Elon Organizations: Constellation Research, Nvidia, Microsoft, Apple
For the first time in 43 years, two of baseball’s bluebloods are squaring off in the World Series. Finally, it will happen with Aaron Judge and Shohei Ohtani making their respective World Series debuts against one another. Of course, baseball’s postseason is often defined by upsets, and not since 2013 has the World Series featured a matchup of each league’s top team. The Juan Soto ShowcaseThe World Series begins Friday, which is Juan Soto’s 26th birthday. When the Yankees eliminated the Guardians on Saturday night, the last three clubs standing — the Dodgers, Yankees and Mets — were also one-two-three in payroll when the season began.
Persons: Shohei Ohtani, Aaron Judge, Shohei, Nick Cammett, Ohtani, Judge, he’s, Aaron Boone, Dave Roberts, Roberts ’, Roberts, Boone, Clay Holmes, Jason Miller, , Anthony Volpe, Jazz Chisholm, Giancarlo Stanton, Juan Soto, Juan Soto’s, Soto, Tim Britton, there’s, Steve Cohen, Rustin Dodd, Sean M Organizations: Los Angeles Dodgers, New York Mets, National League, American League, New York Yankees, Los Angeles Angels, Dodgers, Yankees, Baseball, NL, Mets, MLB, Kansas City Royals, East Locations: Los Angeles, pinstripes, Los Angeles and New York, Ohtani
Employers might not ask if you have a degree, but many still care, a labor market expert told BI. AdvertisementDeming said many employers look upon a worker with a four-year degree as an investment — one that can be molded into what the firm wants. "What people are looking for, because it's the easiest and laziest filter, is a four-year degree from a 'good school,'" he said. "He's been the finalist for five different positions where they said, 'You're actually the best candidate we interviewed, but we require a four-year degree,'" Hyams said. Often, that might mean a four-year degree.
Persons: , Ranji McMillan, that's, McMillan, She's, what's, McMillan David Deming, Deming, Mona Mourshed, Mourshed, Chris Hyams, Hyams, He's, Forsa, Gartner, Jon Lester, Lester, they've Organizations: Service, Ranji, McMillan, Harvard's Kennedy School, Glass, Harvard Business School, Census, McKinsey & Company, Boston Consulting Group, Employers, Workers, US Department of, Georgetown University Center, Education, Savvas Learning Company, IBM, BI, Research, McKinsey Locations: Northridge, Los Angeles, America
The relievers stitched together 27 outs against a Mets team that had appeared allergic to cardiac arrest this month. AdvertisementWhen Dodgers officials thought about Ohtani, they conjured fantasies about endless streams of revenue and a decade of contending for the World Series. For a few hours after the story broke, Dodgers team president Stan Kasten wondered if the team had built its future around a fraud. The Dodgers hung nine runs on the Mets in Game 1, eight in Game 3 and 10 in Game 4. In Game 6, Mets manager Carlos Mendoza turned to Sean Manaea, his best starter, who had quieted the Dodgers in Game 2.
Persons: Shohei Ohtani, Tommy Edman, Will Smith, Ohtani, Dave Roberts, Andrew Friedman, hobbled, It’s, ” Roberts, Yoshinobu Yamamoto, Yamamoto, Friedman, Tyler Glasnow, Mookie Betts, Freddie Freeman, Ippei, Stan Kasten, Mizuhara, ” Ohtani, Will Ireton, Betts, Clayton Kershaw, Glasnow, Freeman, Ken Rosenthal, Rosenthal, Hernández, ” Hernández, , ” Rosenthal, Carlos Mendoza, Sean Manaea, Michael Kopech, Teoscar, Edman, Max Muncy, Phil Maton, Smith, SMITH, HOMER 💪, odgers, ake Organizations: ANGELES, National League pennant, Los Angeles Dodgers, National League Division, Dodgers, The Dodgers, New York Mets, National League, Mets, New York Yankees, Dodger, San Diego, Tampa Bay Rays, National League West, Padres, The Athletic, Milwaukee Brewers, Philadelphia Phillies, Manaea Locations: San, Los Angeles, Ohtani, tatters, San Diego, Queens
Featured High Interest Checking Account Offers Compare checking accounts that offer high APYs, rewards on debit card purchases, or both. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. A savings account often limits the number of monthly transfers, while a checking account doesn't. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.
Persons: APYs, , Cash, we've Organizations: Federal Reserve, Cash Locations:
LONDON — King Charles III has expressed “deep love and affection” for Australia, a former part of the British Empire. Charles, 75, is Britain’s first reigning monarch to visit Australia in 13 years. The royal visit to Australia includes a Monday reception at Parliament House in Canberra, the capital, where the king will meet with Albanese. King Charles and Queen Camilla are greeted upon their arrival at Sydney International Airport on Friday. King Charles is projected on the Sydney Opera House ahead of his official visit on Friday.
Persons: Charles III, , Charles, Queen Camilla, Queen Elizabeth II, Charles ’, Anthony Albanese, Albanese, King Charles, Saeed Khan, Queensland Premier Steven Miles, Western Australia Premier Roger Cook, South Australia Premier Peter Malinauskas, Chris Minns, Jeremy Rockliff, Bev McArthur, , , ” Nathan Hansford, Nathan Ross, Queen Camilla “, ” Charles, Daisy McAndrew, David Gray, Eric Abetz, ” McArthur Organizations: Commonwealth, House, Tasmania —, Sydney International Airport, Getty, Queensland Premier, Western Australia Premier, South Australia Premier, New South Wales, Tasmania, Australian Monarchist League, Australian Republic Movement, ARM, NBC News, Sydney Opera House, Sydney Opera Locations: Australia, British, Sydney, Samoa, Britain, Canada, Canberra, South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania, AFP, New, U.S, Commonwealth, Tasmanian, Caribbean, Barbados
Inflation is not deadDaly began her talk with an anecdote of a recent encounter she had while walking near her home. But the conversation encapsulated a dilemma for the Fed: If inflation is on the run, why are interest rates still so high? As evidenced by the young man's question, convincing people that inflation is easing is a tough sell. watch nowThe annual rate of CPI inflation was 2.4% in September, a vast improvement over the 9.1% top in June 2022. However, year-over-year spending increased just 1.7%, below the 2.4% CPI inflation rate.
Persons: Brandon Bell, Goldman Sachs, Mary Daly, Daly, Goldman, Jerome Powell, , hasn't, haven't Organizations: Walmart, Federal Reserve, San Francisco Fed, New York University Stern School of Business, Commerce Department, Fed, York Fed, Bank of America, National Federation of Independent Business Locations: Austin , Texas, U.S, , Wyoming, Atlanta, York
I was charged $2,500 for damages on my rental car, and I didn't have insurance — just my credit card reimbursement. Luckily, I had rental car insurance through my Chase Freedom credit card. I make it a point to book rental cars on a credit card with a rental car insurance benefit so I can decline the rental car company's collision insurance and save money while still being covered. I saved $250 on my rental car reservation this time by declining the collision damage waiver. I missed one essential documentWhen I got home from Costa Rica, I started the claims process with my credit card immediately so I could be reimbursed for the $2,500 charge before my credit card bill was due.
Persons: , I'd, takeout, Chase, they're, I've, I'm, I, That's Organizations: Business, Service, Enterprise, Chase, Chase Travel, Spanish, Costa Rica —, Costa Rican Enterprise, U.S . Enterprise Locations: Costa Rica, San, Puerto Viejo, Costa Rican
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