Nos sumergimos en el intrigante mundo del ASMR, un fenómeno que ha cautivado a millones con sus susurros suaves y sonidos reconfortantes. ¿Qué es y cómo puede impactar nuestra salud mental? Para mas detalles nos acompaña la experta en salud mental y ASMR, Carolina Baldner.
Conversaremos con Sophia Muller, vicepresidenta del equipo de clientes estratégicos de BlackRock, cuyo enfoque es proporcionar acceso a cotizados a gestores de activos como los ETFs.
Conversaremos con Sophia Muller, vicepresidenta del equipo de clientes estratégicos de BlackRock, cuyo enfoque es proporcionar acceso a cotizados a gestores de activos como los ETFs.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Hey Bennis Turmos with you. Welcometo this episode of us being with you,
I am Claudia Mendoza, and todaywe dive into the intriguing world of
is Mar, a phenomenon that hascaptivated millions with its soft whispers and recommended
sounds, which is exactly Le andSmar and how it can impact our mental
health. To guide us in thisexploration we are accompanied by the expert in
(00:24):
mental health and they to sea CarolinaPaultnrd. In addition, we discussed with
Sophia Miller, vice president of BlackCrock' s strategic customer team, whose
focus is to provide access to listedfunds to asset managers worldwide. A conversation
you don' t want to miss, so get ready to relax and discover
more about the world of loving lawsand the financial world. Begin we are
(00:48):
with you hor latino presents, weare saintly a weekly program full of information,
segments and interviews to empower our mind. Now it begins we are today.
We are going to explore a phenomenonthat has captured the attention of millions
around the world. I' mtalking about exactly what sea is and why
(01:11):
it has the power to induce adeep sense of relaxation and well- being.
To tell us more about this heaccompanies us in the expert in Carolina
Bodner. Thank you for joining ushi how you are. Thanks to you
for having me right, okay?I love this because I spend it in
Tiktok and I see it and itsays and listen then tell me what exactly
(01:34):
that sea is and how it worksto induce relaxation this good look at the
sea. I' m going totalk to you today as a mental health
specialist, which is my practice,not what it does in the brain.
Many people use it without really knowingwhat technology is needed and what the effects
(01:57):
are on the brain. Elf Marmeans a meridian sensory response, autonomous and
what it is about. This isa sensation that is characterized by a pleasant
tingling that usually begins in the scalpmoves in the back other parts of the
body and is a physical response tocertain visual and sonorous stimuli. It can
(02:25):
induce relaxation, well- being,and good. What we have discovered in
the area of psychology is that ithelps reduce stress and often focus and also
helps to fall asleep ok perfect thenthis because to me the sea does come
out. I go back and repeat, in the tik Toko, on social
(02:47):
media I get out and I getmore than all the live ones in the
night. Now I understand more orless, because if it comes to that
moment of relaxation of everything, thenthose who work on it go out at
night. Like this. That's right, that' s right,
and the truth is, you don' t know why it' s happening.
(03:07):
I mean, people use it clearlyto relax. It is not known
why it is believed to be relatedto I don' t know release of
endorphins, activation of certain parts ofthe brain that are related to pleasure relaxation,
but we still don' t knowbecause it' s something quite recent,
quite new and what can be doneto find a little more information on
this. I nominate myself as avolunteer to know what can happen. Well,
(03:30):
this is what we' re doing. In other words, research is
being done in the scientific field.Logically, no, but talking about this
and trying, trying to see howit affects us personally, because law is
not affecting everyone in the same way. That' s the truth. Let
(03:51):
' s see how it affects you. There are people who generate him just
the opposite. No. How canthat be clear? Well, it'
s called misophonic, which is exactlythe opposite of the sense of pleasure that
some people feel with sounds and visualeffects. Then it gives them on the
contrary an irritation rejection of certain sounds, so it is not really that this
(04:13):
applies to everyone. Some people doexperience pleasure and others experience nothing and others
experience rejection. So, well,it' s very personal. I love
all that. I love all thisinformation. We' re talking to Carolina
Baudner. She' s a mentalhealth expert. And it' s now
(04:36):
Carolina how the SR can benefit people' s mental and emotional health, because
it' s not just one orthe one or the other or both.
Sure, of course, well,sea law can help reduce anxiety stress levels.
As we said earlier, many casesimprove the mood of individuals when they
(04:59):
are saddened, when they are throwninto smar law. It has this effect
sometimes of pleasure, because well,because of the topic of dopamine and endorphins
that rise many times with sensations,it helps as we said, to promote
(05:19):
a better sleep, which also benefitsthe mental and emotional health of people,
because if we do not sleep well, we know that the next day we
are irritated, we cannot concentrate.We are perhaps a little physically pulled out
of energy and the feeling of deeprelaxation can also contribute to a better concentration.
(05:39):
This also helps children. That's why there are a lot of
kids who are in Tiktok, withlaws you love, guys with tt they
find that helps them focus more.So yes. It' s very interesting.
Very interesting, as all that is, is the amount of information that
(06:00):
we have and that we lack toacquire Carolina. There are differences in how
he is. That has affected medifferent people. We were already talking about
it a little earlier, but itcaught my attention right now that you said
it could affect children differently as well. You can, or we know,
a little more information, if it' s for older, younger people,
whether it' s female men,depends on your background, if you'
(06:23):
re Hispanic, if you' renot Hispanic. What can we find of
this kind of information that we nowhave scientifically. The truth is this is
something so new, so new thatwe don' t have any information.
What we do know is that thereare people who react better than others,
basically, and there are people whodon' t react at all. I
believe that it will continue to growin terms of popularity and will be an
(06:46):
object of many scientific research to betterunderstand the benefits and effects. No,
but you don' t know muchyet. I think that in the area
of mental health more is going tobe used, as mindfulness is being used
a lot, for example, forrelaxation effects in ok therapies. But,
(07:11):
well, it' s still beinginvestigated, because clearly, this has to
do with neurological aspects, that is, that science has to do its part
here and give us a little bitclearer picture of what the actual effects are
on the brain and why in somepeople they work and because in others they
don' t. We haven't got it yet. Wow yeah,
and that one we' re gonnastart seeing then moms in daddies, in
(07:35):
men women. Starting to have allthat kind of information would help a lot
to find solutions and help us tomental health. We' re talking to
the mental health expert and she's marking Carolina Boultner. Well, Carolina,
what role the videos of them seaplay in the experience of people looking
for this kind of relaxation and stressrelief. And if you can give us
(07:58):
as a small example of what isgood asamor, first, that videos,
as you said earlier, for example, Tiktop is plagued by that great sta
are also fundamental, because what thevideo does is provide an accessible and controllable
way. I mean you can learnit and turn it off when you literally
(08:22):
want to reach your hand to accessstimuli that induce relaxation, so is Mars
videos are fundamental in this case andare very useful for people looking for a
way to calm their minds, beforethey sleep, after a stressful day,
before an exam. It is atool of self- management of stress video.
(08:43):
It is not very important to haveheadphones, for example, want to
try the is love, because muchof the effect of these videos and sounds
is the quality of the video andthe sound. So the people who produce
that move have special microphones. It' s not a common microsony. And
(09:07):
for the stimulus to reach us theway it' s intended to arrive,
it' s ideal to have headphones. And we have examples that are,
for example, people chewing or somethinga little gossip, a chip, not
the crunch. It' s notor people who start whispering and talk to
(09:31):
you in this tone. Well thewhisper taping these taps, for example,
people who are kyping on a typewriteror on a table with long nails.
All these are examples of that moruses a lot and is combined with many
(09:56):
times images of lips that move den. It is also a combination of sensory
stimuli. OK and what advice youwould give to a person who wants to
try ler that mark for the firsttime, because I have seen him and
there are some or I don't know if there are different categories,
(10:16):
as there are genres of music,there are genres of s sea, because
there are ones that draw my attention, like that of yours, the chapping
the that seems to me cheere,but there are others that, for example,
to eat a chep a papita.I don' t get much attention.
Then how can we start to findsomething we like for people who want
(10:37):
to try the is sea. Well, first, people have to experience different
types of videos, not exactly.We really don' t know how this
kind of stimulus is going to affectus. So first you have to go
with an open mind, with anopen mind. Let' s see,
I' m gonna try this thingout that' s new and see how
(10:58):
it affects me. If it affectsme, then try to get rid of
our prejudices. That first, thenbe in a quiet environment without other stimuli
that will make noise to the stimulusthat it proposes. Then be quiet alone
with headphones to have an experience thatis more immersive, be physically comfortable,
(11:22):
because if we are sitting comfortably ina quiet environment, we will have distractions,
we will not have contractures. Andwell and that and give it some
time, maybe at first it doesn' t affect you, but at ten
twenty seconds you start oh yeah,it' s giving me a snoop what
(11:46):
crazy this and good to go withan open mind. Basically that' s
not clear. Yeah, we're talking to the mental health expert and
s Mar Carolina Boultner. Now,Carolina, there are risks or concerns associated
with this of what the ho isand how the future of the law is
that good mort with respect to therisks, it is generally something that is
(12:09):
considered very safe. There are nophysical interventions where I' m grabbing a
product. I' m eating it. It' s safe. However,
if we are a little squabble onthe subject. Dependence on these stimuli may
develop to stop sleeping. That couldbe a negative effect. So, like
(12:31):
everything related to technology, we haveto give ourselves some time for use and
then put it aside and look forother alternatives, other relaxation mechanisms, such
as walking, breathing, mindfulness,catharsis, in therapy, talking to a
friend or whatever. But also prolongedexposure to headphones that are at a high
(12:56):
volume, could damage hearing. Sothere' s also a physical cution that
we have to keep in mind thatyou can become harmful. And with regard
to the future of laws more,I think it will continue to grow.
It will continue to grow and thisthanks to the networks we see it daily
in as we said before, Tiktok, Instagram, even Snuphat is everywhere.
(13:18):
So good. I believe that aswe continue to move forward based on scientific
research to understand how it benefits usor the potential effects that mental and even
physical health have with relaxation, thiswill continue to grow. I love all
that information. Thank you so muchfor joining us, Carolina. We were
(13:39):
talking more about loving laws and mentalhealth, how this plays us in the
mind in relaxation, where it caneven relieve stress. Thank you for joining
us, Carolina. You' rewelcome, thanks to you good. Now
Sophia Moller is with us as vicepresident and is part of the team of
strategic clients from Black Crock, whichfocuses on providing access to listed funds to
(14:03):
asset managers around the world. He' s not going to talk a little
more about et FE and how theyare. The last few weeks the funds
have been listed here in the UnitedStates. Thank you for joining us sophia.
Yes, thank you. Of courseit' s a pleasure to be
here with you talking. I lovethose themes, especially the financial issues,
because I feel that many times wedon' t have all the photo,
(14:28):
the whole image, as it saysin English of intrp pathion. Then we
can suddenly talk to people like youwho have all the information, who can
educate us a little bit more forlisteners who are not familiar with this type
of financial product, which is anETF. If I' m going to
explain it to you first in away that' s a little bit more
(14:48):
technical, and then I' mgoing to explain it to you how I
explain it to my grandmother, becauseI' m fascinated by explaining concepts like
ETF or mutual funds to people whodon' t understand them perfectly, but
I start with a very basic TFE. It' s an investment fund that
' s traded on the stock exchange. It' s just like an action.
He thinks a Google or a goallike that is in stock exchanges.
(15:11):
An ETF is like a product,but has a goal of replicating the performance
of a specific index. Think ofthem as epifyn Hunter, which is an
index that replicates the whole market.Tfes also offer investors an easy way to
diversify their portfolio. Just like stockscan be bought and sold during the day
(15:35):
at market prices and I can alsoexplain it to you. I' ll
explain it to you a little bit, like my grandmother. I' ll
explain, please. Okay, asmy grandmother is told, et F is
like a chocolate cake. There aretwo ways. There are two ways to
enjoy your chocolate cake. The firstthing is that you can go to the
(15:56):
market and cook your cake at home. Think of the flour, the blue,
chocolate milk. That' s youringredients. And if your ingredients think
of them as market shares, that' s your apple of is flour,
milk is your google and then athome you can make your cake. It
' s your briefcase and there's your chocolate slice. You do everything
(16:18):
at home. But compared to aTF you can go to the market and
already buy that slice of chocolate cakealready made and avoid buying all the stocks
or ingredients on your own, butyou have access to the chocolate slice,
that' s a TF. Theyhave the flavors of flour, chocolate,
(16:38):
lexe, sugar, all together andyou have the slice, but it is
already made and shopping in the marketas shopping. You can buy thousands of
flavors of pie slices, that's a TF. In the most basic
form of what it is. Thisis how my grandmother explains it and how
we can acquire TF for people whoare interested in learning, acquiring ETF,
(17:04):
acquiring how to learn more or buy, buying, because if you buy a
stock in the market, just likewith your electronic account to the Internet,
it is the same with a TF. It' s the best thing about
ETF you can get into your account, which is similar to buying a stock
and having an account. Opening abag mail account is a direct way that
(17:26):
you can get into the Internet andbuy the TF. But also many people
like a financial advisor who can alsohelp you choose your ETF, but it
' s very easy. Everyone cando it, and there are no minimums.
It is something that is available toall people and to people who want
a little more information, and especiallyin Spanish, because I feel that there
(17:48):
is often so much information and becausewe are obviously in the United States,
the information is in English, wherewe can suddenly acquire a little more information
about TFS. And, as Iwas explaining to you with those cakes.
The cakes are created many times bycompanies that make the cakes and the context
of all that have it in Spanishmany times if you go to Google and
(18:10):
there are many sites that explain toyou how TTS are, how they are
handled, how they are, howthey are formed and have it in Spanish.
It is and it is very popular, right now, but yes.
There' s a lot of informationon the Internet, on the Google and
you can get in there to chooseinformation from the TFS. Perfect. We
' re talking to Sophia and Moder. She is vice president and part of
Black Rock' s team of strategicclients with which she focuses on providing access
(18:36):
to listed funds to asset managers aroundthe world. He' s telling us
a little more about the TFs thatare How we can buy them now how
to compare an ETF sophie to amutual fund. Yes, and that'
s a very good question, becausethey get very confused, because they have
things that are very similar, butalso little different. TFS and mutual funds
(18:57):
are two types of investment funds thatallow investors to diversify their portfolio. However,
the difference is a few, butthey are remarkable. The first is
the way they are bought and sold. I explained before that it is very
easy to buy a TF because itis purchased through the stock exchange, just
(19:18):
like the stock and price changes duringthe day. On the other hand,
mutual funds are purchased and sold atthe end of the day at a price
determined by the value of the fund. It is also in mutual funds you
have to mess with a financial advisorlittle more than the TF, which is
something that makes tfes very easy toget and buy something else also if we
(19:40):
compare it the cake from before theslice of the cake. The price determined
for the cake is different for anETF to a mutual fund. The TF
is the price of the demand forthat slice of cake. If you call
me clau I' ll pay tendollars for the cake, because it'
s the new price the cake.Compared to the mutual photo. You have
(20:03):
to say that the cake is costingyou ten dollars, but those because the
ingredients are five ingredients and cost youtwo dollars. Every one ten dollars.
If you raise the flour two dollars. The cake is now at twelve dollars
compared to the DTF that if youtell me, then no, now I
want to pay nine dollars. That' s the new price ok and so
(20:25):
it' s like more market demandcompared to the price of the product.
And for people who are suddenly startingto get a little bit more interested in
mutual funds among CTFs, what's the best option for someone who'
s starting out. The truth isthat I think you' re talking about
it because if you' re startingwith your investments, with your portfolio,
(20:48):
the TCS also adds a touch oftransfer. If you don' t know
what you have in your portfolio,ts are required to share stock information every
day. It gives you a touchof how Gary heandn and investors can see
exactly what mutual funds have in theirportfolio. On the other hand, not
(21:10):
so much, both are great waysto have a product that is professionally managed.
But for me I think that thectstes no more because of the way
you can buy them throughout the day. You get into your computer, you
say I want to choose a TFof x. It' s very easy
compared to having to call your financialadvisor. So, I want to buy
(21:30):
a perfect mutual fund. Yeah,it' s like you say. Well,
if the pie cost me ten dollars, it' s ten dollars that
I can go learning with ten dollarsto pay a person suddenly a little more
and obviously have to invest a littlemore to be able to learn. On
that side, then, suddenly ltfas you say if it is the side
for those who want to learn Andtotally key also if you think that someone
(21:53):
who is starting, if they haveten dollars, risk going to buy five
shares of two hours each to saythat you buy Ford or Boing or Google
or all. There is a riskof each action choosing that action with a
TS. You don' t haveto choose that gives you a little more
(22:15):
access than the whole market and youdon' t have the weight of having
the decision of an action you said. Oh, well, I have to
know all that market to choose thataction. The TS TE gives a little
taste of the whole market in away to be involved when the market goes
up or when it goes down andyou feel that you have little more if
(22:37):
you don' t have exactly galleand not to be able to understand the
starting steps, that is, tobe able to understand what soon ok If
in the same TDF I have fiveindustries, as you said, you suddenly
in that being learning about each oneand knowing that, because neither the risk
itself is not that so great.Hopefully, it depends on what the person
invests. That' s right,well, as we can see, he
(23:02):
argued, a tf is composed ofa portfolio of instruments. What kind of
investments can you choose through an ETFpeople who are interested. Yeah, well,
with a TF TE it gives ataste of everything. Through an TE,
you can choose from a wide varietyof financial instruments. And if we
tell you the basics, stocks andbonds are the first thing people think,
(23:22):
but no more. It' slimited to those two. You can buy
raw materials like gold and silver.You can also buy coins. It has
to be said that you feel verygood about the Mexican currency, the Mexican
peso. You can buy a TSthat is invested in the Mexican peso market
and also international markets. It givesyou a taste of everything, and that
(23:45):
' s through You feel it nolonger buying your TF, but you can
access all these things. No more. To give you an example, as
there is TFS the country Brazil,in which you Claudia will not go to
buy shares of Brazil. Everything youcan buy a TFT, which gives you
the tracking of the Brazilian market index. In the United States there are three
(24:08):
thousand TS in the world, thereare ten zero no more to give you
as a little taste of how manythere are that you can buy and one
in the TF can choose, forexample, what you were saying, some
stocks, some bonds and suddenly followingup with the example of a ten dollar
slice, five shares, gold,silver, coin And those are your five
(24:30):
options or le o. When onebuys the TF that alone, one chooses
what is chosen because they are professionallymanaged those who are choosing tions or the
coin, the gold, the arina. I say it' s a team
that' s trained their profession tohandle etf They decide what to say chocolate
(24:52):
cake. They want to replicate,because how a chocolate cake comes out.
I think what it' s liketo do is the recipe. Let'
s follow the recipe and they doall that. You just get a scrambled
little present like the cake that alreadygives you access without making the decisions of
the flour you' re going touse or the letter you have to buy.
(25:15):
Okay, we' re talking toSophia Moore, Vice President. She
is part of Blackroug' s teamof strategic clients, which focuses on providing
access to listed funds to asset managersaround the world. He' s talking
to us a little bit more aboutthe TTFS, its structure, its features
and now recently he' s suffocating. We have heard a lot about TFS
(25:37):
that are actively managed. You cantell us a little more about the difference
between active management and passive management,because this is the first time I'
ve heard this. You have tostart with a traditional tf, which is
the SOTS follow the strategy of buyingand maintaining to follow a specific index.
(25:59):
They want to be following the market. They want to expose the whole market.
On the other hand, active tfesare funds in which they want to
believe value on the market. Orif you think that epi PIPEHANDR that we
' re talking about, which islike the whole market, the vassive,
(26:21):
wants to follow exactly the exposure ofthat EMPIFI sinking doesn' t want you
if you buy it is six ten. He wants to know if the market
goes up a point this and piecegoes up a point is the goal of
tf the asset. What you wantto do is make investment decisions to overcome
that index and give more as theplace it is to just follow them.
(26:42):
I mean, the market goes upone and you' ve got someone running
the actibo. They want to overcomethat, I mean, you have to
say two, go up by two, because they have the decisions to overcome
the market, instead of no morefollowing it in a passive way. And
that' s called if I cango on a little bit longer, call
(27:06):
you alpha and it' s alittle more technical. But alpha refers to
those gains that exist in the market. Or if you have the liability.
The liability must not have alpha,but the asset yes, because you are,
you are paying someone who makes faireven to the market, to the
bottom forgiveness to take little more profits. Perfect then it' s how passive
(27:27):
it is. There' s still. Nobody' s touching him, nobody
' s helping him. If hegot on his own, if he went
down under the asset, it's more about a person who' s
suddenly actively watching. It' syour low güey and if you need to
go up a little bit more tohelp him, go up another little bit
more. That' s the moment, like basically having a person there taking
(27:49):
care. Yeah, no. Theyboth have professional teams that no longer handle
them with passive form. You haveto say if we go back to the
slice of cake, the set everyday will give the recipe for the cake
with that every day to CLTS orthe passel slice, but that recipe can
change. What is quegnifica is thatno more than the market changes and the
(28:12):
one that is managing the TS professionallyhas to follow the market or make changes.
Every day they' re reviewing youraccount, they' re checking on
TS. On the other hand,the asset is no longer saying, because
it is five and redeeming for chocolatecake, but I want to add subtractions
that are not the recipe. ButI think it' s gonna get richer.
(28:33):
And a little while ago we're talking about being able to buy
ETFS. There is a minimum orwe should have for this kind of investment.
Or it can be what you canminimum and even when you want the
exact maximum. It' s theamazing thing about CTS is that it doesn
' t. The truth is,there' s no minimum. There are
(28:55):
ets They were explaining that there areabout ten thousand in the world market.
There' s five ten dollars thatgive you that market access and there'
s four hundred and five hundred thousanddollars worth of ETFS. But that'
s the amazing thing is that withthose five dollars you have five dollars that
you have as access to that marketthat you won' t have with them.
(29:18):
If you buy it all individually,but it gives you a little taste.
One slice is very thin, butit gives you the slice of the
cake and gives you access to themarket. They' re the least,
which is the incredible. Perfect.That really helps me a lot, especially
as we said, for people whowant to start understanding a little bit more.
But you don' t suddenly havethat budget to invest or you don
(29:41):
' t want to invest much incase you lose so you don' t
lose much either. Thanks for joiningus. We were talking to Sophia Mothr,
Vice President. She is part ofBlack Crock' s team of strategic
clients and focuses on providing access tolisted funds to asset managers around the world.
(30:03):
Thank you so much for all thisinformation about the TFCs that we helped
more than one person, because Ialready understood a little bit more. They
always teach me something. When we' re with someone from Blackras, they
always teach me a little bit moreof something that we suddenly had half touched
on. But when we already focuson a single topic, I already say
ah ah, yes, I alreadydiscover that the water nun and the fence
(30:25):
say clear exactly that we want tohelp explain something that in a term that
is not technical, because everyone hasto understand this is very popular, it
is in soxo media and it isvery easy to explain in a way that
is active help or one more personunderstand for their investments, their portfolio,
how they can be involved. Thankyou for joining us in this episode Are
we with you? We hope youhave enjoyed learning more about the fascinating world
(30:49):
of e Sea and the impact itcan have on our mental health. A
special thanks to our expert, CarolinaBulder, for sharing your knowledge with us.
We also thank Sophia Muller of BlackCrap for providing us with a unique
perspective on the financial world and howwe can apply this kind of investment to
(31:10):
our lives. Remember that we arehere for you bringing you interesting topics and
meaningful conversations. Thank you for joiningme in this episode of We' re
With You. This is Claudia Mendozaand remember that you can listen to this
episode or other episodes of We're With You by dropping the app to
that radio and looking for we're with you. I' ll wait
for you next week for this LatinHeard station. Thank you for being our
(31:33):
special guest in this edition of weare with you. Tune in next week
at this station and remember we're with you any minute now. We
' re so a Latin ihard production.
Hey Bennis Turmos with you. Welcometo this episode of us being with you,
I am Claudia Mendoza, and todaywe dive into the intriguing world of
is Mar, a phenomenon that hascaptivated millions with its soft whispers and recommended
sounds, which is exactly Le andSmar and how it can impact our mental
health. To guide us in thisexploration we are accompanied by the expert in
(00:24):
mental health and they to sea CarolinaPaultnrd. In addition, we discussed with
Sophia Miller, vice president of BlackCrock' s strategic customer team, whose
focus is to provide access to listedfunds to asset managers worldwide. A conversation
you don' t want to miss, so get ready to relax and discover
more about the world of loving lawsand the financial world. Begin we are
(00:48):
with you hor latino presents, weare saintly a weekly program full of information,
segments and interviews to empower our mind. Now it begins we are today.
We are going to explore a phenomenonthat has captured the attention of millions
around the world. I' mtalking about exactly what sea is and why
(01:11):
it has the power to induce adeep sense of relaxation and well- being.
To tell us more about this heaccompanies us in the expert in Carolina
Bodner. Thank you for joining ushi how you are. Thanks to you
for having me right, okay?I love this because I spend it in
Tiktok and I see it and itsays and listen then tell me what exactly
(01:34):
that sea is and how it worksto induce relaxation this good look at the
sea. I' m going totalk to you today as a mental health
specialist, which is my practice,not what it does in the brain.
Many people use it without really knowingwhat technology is needed and what the effects
(01:57):
are on the brain. Elf Marmeans a meridian sensory response, autonomous and
what it is about. This isa sensation that is characterized by a pleasant
tingling that usually begins in the scalpmoves in the back other parts of the
body and is a physical response tocertain visual and sonorous stimuli. It can
(02:25):
induce relaxation, well- being,and good. What we have discovered in
the area of psychology is that ithelps reduce stress and often focus and also
helps to fall asleep ok perfect thenthis because to me the sea does come
out. I go back and repeat, in the tik Toko, on social
(02:47):
media I get out and I getmore than all the live ones in the
night. Now I understand more orless, because if it comes to that
moment of relaxation of everything, thenthose who work on it go out at
night. Like this. That's right, that' s right,
and the truth is, you don' t know why it' s happening.
(03:07):
I mean, people use it clearlyto relax. It is not known
why it is believed to be relatedto I don' t know release of
endorphins, activation of certain parts ofthe brain that are related to pleasure relaxation,
but we still don' t knowbecause it' s something quite recent,
quite new and what can be doneto find a little more information on
this. I nominate myself as avolunteer to know what can happen. Well,
(03:30):
this is what we' re doing. In other words, research is
being done in the scientific field.Logically, no, but talking about this
and trying, trying to see howit affects us personally, because law is
not affecting everyone in the same way. That' s the truth. Let
(03:51):
' s see how it affects you. There are people who generate him just
the opposite. No. How canthat be clear? Well, it'
s called misophonic, which is exactlythe opposite of the sense of pleasure that
some people feel with sounds and visualeffects. Then it gives them on the
contrary an irritation rejection of certain sounds, so it is not really that this
(04:13):
applies to everyone. Some people doexperience pleasure and others experience nothing and others
experience rejection. So, well,it' s very personal. I love
all that. I love all thisinformation. We' re talking to Carolina
Baudner. She' s a mentalhealth expert. And it' s now
(04:36):
Carolina how the SR can benefit people' s mental and emotional health, because
it' s not just one orthe one or the other or both.
Sure, of course, well,sea law can help reduce anxiety stress levels.
As we said earlier, many casesimprove the mood of individuals when they
(04:59):
are saddened, when they are throwninto smar law. It has this effect
sometimes of pleasure, because well,because of the topic of dopamine and endorphins
that rise many times with sensations,it helps as we said, to promote
(05:19):
a better sleep, which also benefitsthe mental and emotional health of people,
because if we do not sleep well, we know that the next day we
are irritated, we cannot concentrate.We are perhaps a little physically pulled out
of energy and the feeling of deeprelaxation can also contribute to a better concentration.
(05:39):
This also helps children. That's why there are a lot of
kids who are in Tiktok, withlaws you love, guys with tt they
find that helps them focus more.So yes. It' s very interesting.
Very interesting, as all that is, is the amount of information that
(06:00):
we have and that we lack toacquire Carolina. There are differences in how
he is. That has affected medifferent people. We were already talking about
it a little earlier, but itcaught my attention right now that you said
it could affect children differently as well. You can, or we know,
a little more information, if it' s for older, younger people,
whether it' s female men,depends on your background, if you'
(06:23):
re Hispanic, if you' renot Hispanic. What can we find of
this kind of information that we nowhave scientifically. The truth is this is
something so new, so new thatwe don' t have any information.
What we do know is that thereare people who react better than others,
basically, and there are people whodon' t react at all. I
believe that it will continue to growin terms of popularity and will be an
(06:46):
object of many scientific research to betterunderstand the benefits and effects. No,
but you don' t know muchyet. I think that in the area
of mental health more is going tobe used, as mindfulness is being used
a lot, for example, forrelaxation effects in ok therapies. But,
(07:11):
well, it' s still beinginvestigated, because clearly, this has to
do with neurological aspects, that is, that science has to do its part
here and give us a little bitclearer picture of what the actual effects are
on the brain and why in somepeople they work and because in others they
don' t. We haven't got it yet. Wow yeah,
and that one we' re gonnastart seeing then moms in daddies, in
(07:35):
men women. Starting to have allthat kind of information would help a lot
to find solutions and help us tomental health. We' re talking to
the mental health expert and she's marking Carolina Boultner. Well, Carolina,
what role the videos of them seaplay in the experience of people looking
for this kind of relaxation and stressrelief. And if you can give us
(07:58):
as a small example of what isgood asamor, first, that videos,
as you said earlier, for example, Tiktop is plagued by that great sta
are also fundamental, because what thevideo does is provide an accessible and controllable
way. I mean you can learnit and turn it off when you literally
(08:22):
want to reach your hand to accessstimuli that induce relaxation, so is Mars
videos are fundamental in this case andare very useful for people looking for a
way to calm their minds, beforethey sleep, after a stressful day,
before an exam. It is atool of self- management of stress video.
(08:43):
It is not very important to haveheadphones, for example, want to
try the is love, because muchof the effect of these videos and sounds
is the quality of the video andthe sound. So the people who produce
that move have special microphones. It' s not a common microsony. And
(09:07):
for the stimulus to reach us theway it' s intended to arrive,
it' s ideal to have headphones. And we have examples that are,
for example, people chewing or somethinga little gossip, a chip, not
the crunch. It' s notor people who start whispering and talk to
(09:31):
you in this tone. Well thewhisper taping these taps, for example,
people who are kyping on a typewriteror on a table with long nails.
All these are examples of that moruses a lot and is combined with many
(09:56):
times images of lips that move den. It is also a combination of sensory
stimuli. OK and what advice youwould give to a person who wants to
try ler that mark for the firsttime, because I have seen him and
there are some or I don't know if there are different categories,
(10:16):
as there are genres of music,there are genres of s sea, because
there are ones that draw my attention, like that of yours, the chapping
the that seems to me cheere,but there are others that, for example,
to eat a chep a papita.I don' t get much attention.
Then how can we start to findsomething we like for people who want
(10:37):
to try the is sea. Well, first, people have to experience different
types of videos, not exactly.We really don' t know how this
kind of stimulus is going to affectus. So first you have to go
with an open mind, with anopen mind. Let' s see,
I' m gonna try this thingout that' s new and see how
(10:58):
it affects me. If it affectsme, then try to get rid of
our prejudices. That first, thenbe in a quiet environment without other stimuli
that will make noise to the stimulusthat it proposes. Then be quiet alone
with headphones to have an experience thatis more immersive, be physically comfortable,
(11:22):
because if we are sitting comfortably ina quiet environment, we will have distractions,
we will not have contractures. Andwell and that and give it some
time, maybe at first it doesn' t affect you, but at ten
twenty seconds you start oh yeah,it' s giving me a snoop what
(11:46):
crazy this and good to go withan open mind. Basically that' s
not clear. Yeah, we're talking to the mental health expert and
s Mar Carolina Boultner. Now,Carolina, there are risks or concerns associated
with this of what the ho isand how the future of the law is
that good mort with respect to therisks, it is generally something that is
(12:09):
considered very safe. There are nophysical interventions where I' m grabbing a
product. I' m eating it. It' s safe. However,
if we are a little squabble onthe subject. Dependence on these stimuli may
develop to stop sleeping. That couldbe a negative effect. So, like
(12:31):
everything related to technology, we haveto give ourselves some time for use and
then put it aside and look forother alternatives, other relaxation mechanisms, such
as walking, breathing, mindfulness,catharsis, in therapy, talking to a
friend or whatever. But also prolongedexposure to headphones that are at a high
(12:56):
volume, could damage hearing. Sothere' s also a physical cution that
we have to keep in mind thatyou can become harmful. And with regard
to the future of laws more,I think it will continue to grow.
It will continue to grow and thisthanks to the networks we see it daily
in as we said before, Tiktok, Instagram, even Snuphat is everywhere.
(13:18):
So good. I believe that aswe continue to move forward based on scientific
research to understand how it benefits usor the potential effects that mental and even
physical health have with relaxation, thiswill continue to grow. I love all
that information. Thank you so muchfor joining us, Carolina. We were
(13:39):
talking more about loving laws and mentalhealth, how this plays us in the
mind in relaxation, where it caneven relieve stress. Thank you for joining
us, Carolina. You' rewelcome, thanks to you good. Now
Sophia Moller is with us as vicepresident and is part of the team of
strategic clients from Black Crock, whichfocuses on providing access to listed funds to
(14:03):
asset managers around the world. He' s not going to talk a little
more about et FE and how theyare. The last few weeks the funds
have been listed here in the UnitedStates. Thank you for joining us sophia.
Yes, thank you. Of courseit' s a pleasure to be
here with you talking. I lovethose themes, especially the financial issues,
because I feel that many times wedon' t have all the photo,
(14:28):
the whole image, as it saysin English of intrp pathion. Then we
can suddenly talk to people like youwho have all the information, who can
educate us a little bit more forlisteners who are not familiar with this type
of financial product, which is anETF. If I' m going to
explain it to you first in away that' s a little bit more
(14:48):
technical, and then I' mgoing to explain it to you how I
explain it to my grandmother, becauseI' m fascinated by explaining concepts like
ETF or mutual funds to people whodon' t understand them perfectly, but
I start with a very basic TFE. It' s an investment fund that
' s traded on the stock exchange. It' s just like an action.
He thinks a Google or a goallike that is in stock exchanges.
(15:11):
An ETF is like a product,but has a goal of replicating the performance
of a specific index. Think ofthem as epifyn Hunter, which is an
index that replicates the whole market.Tfes also offer investors an easy way to
diversify their portfolio. Just like stockscan be bought and sold during the day
(15:35):
at market prices and I can alsoexplain it to you. I' ll
explain it to you a little bit, like my grandmother. I' ll
explain, please. Okay, asmy grandmother is told, et F is
like a chocolate cake. There aretwo ways. There are two ways to
enjoy your chocolate cake. The firstthing is that you can go to the
(15:56):
market and cook your cake at home. Think of the flour, the blue,
chocolate milk. That' s youringredients. And if your ingredients think
of them as market shares, that' s your apple of is flour,
milk is your google and then athome you can make your cake. It
' s your briefcase and there's your chocolate slice. You do everything
(16:18):
at home. But compared to aTF you can go to the market and
already buy that slice of chocolate cakealready made and avoid buying all the stocks
or ingredients on your own, butyou have access to the chocolate slice,
that' s a TF. Theyhave the flavors of flour, chocolate,
(16:38):
lexe, sugar, all together andyou have the slice, but it is
already made and shopping in the marketas shopping. You can buy thousands of
flavors of pie slices, that's a TF. In the most basic
form of what it is. Thisis how my grandmother explains it and how
we can acquire TF for people whoare interested in learning, acquiring ETF,
(17:04):
acquiring how to learn more or buy, buying, because if you buy a
stock in the market, just likewith your electronic account to the Internet,
it is the same with a TF. It' s the best thing about
ETF you can get into your account, which is similar to buying a stock
and having an account. Opening abag mail account is a direct way that
(17:26):
you can get into the Internet andbuy the TF. But also many people
like a financial advisor who can alsohelp you choose your ETF, but it
' s very easy. Everyone cando it, and there are no minimums.
It is something that is available toall people and to people who want
a little more information, and especiallyin Spanish, because I feel that there
(17:48):
is often so much information and becausewe are obviously in the United States,
the information is in English, wherewe can suddenly acquire a little more information
about TFS. And, as Iwas explaining to you with those cakes.
The cakes are created many times bycompanies that make the cakes and the context
of all that have it in Spanishmany times if you go to Google and
(18:10):
there are many sites that explain toyou how TTS are, how they are
handled, how they are, howthey are formed and have it in Spanish.
It is and it is very popular, right now, but yes.
There' s a lot of informationon the Internet, on the Google and
you can get in there to chooseinformation from the TFS. Perfect. We
' re talking to Sophia and Moder. She is vice president and part of
Black Rock' s team of strategicclients with which she focuses on providing access
(18:36):
to listed funds to asset managers aroundthe world. He' s telling us
a little more about the TFs thatare How we can buy them now how
to compare an ETF sophie to amutual fund. Yes, and that'
s a very good question, becausethey get very confused, because they have
things that are very similar, butalso little different. TFS and mutual funds
(18:57):
are two types of investment funds thatallow investors to diversify their portfolio. However,
the difference is a few, butthey are remarkable. The first is
the way they are bought and sold. I explained before that it is very
easy to buy a TF because itis purchased through the stock exchange, just
(19:18):
like the stock and price changes duringthe day. On the other hand,
mutual funds are purchased and sold atthe end of the day at a price
determined by the value of the fund. It is also in mutual funds you
have to mess with a financial advisorlittle more than the TF, which is
something that makes tfes very easy toget and buy something else also if we
(19:40):
compare it the cake from before theslice of the cake. The price determined
for the cake is different for anETF to a mutual fund. The TF
is the price of the demand forthat slice of cake. If you call
me clau I' ll pay tendollars for the cake, because it'
s the new price the cake.Compared to the mutual photo. You have
(20:03):
to say that the cake is costingyou ten dollars, but those because the
ingredients are five ingredients and cost youtwo dollars. Every one ten dollars.
If you raise the flour two dollars. The cake is now at twelve dollars
compared to the DTF that if youtell me, then no, now I
want to pay nine dollars. That' s the new price ok and so
(20:25):
it' s like more market demandcompared to the price of the product.
And for people who are suddenly startingto get a little bit more interested in
mutual funds among CTFs, what's the best option for someone who'
s starting out. The truth isthat I think you' re talking about
it because if you' re startingwith your investments, with your portfolio,
(20:48):
the TCS also adds a touch oftransfer. If you don' t know
what you have in your portfolio,ts are required to share stock information every
day. It gives you a touchof how Gary heandn and investors can see
exactly what mutual funds have in theirportfolio. On the other hand, not
(21:10):
so much, both are great waysto have a product that is professionally managed.
But for me I think that thectstes no more because of the way
you can buy them throughout the day. You get into your computer, you
say I want to choose a TFof x. It' s very easy
compared to having to call your financialadvisor. So, I want to buy
(21:30):
a perfect mutual fund. Yeah,it' s like you say. Well,
if the pie cost me ten dollars, it' s ten dollars that
I can go learning with ten dollarsto pay a person suddenly a little more
and obviously have to invest a littlemore to be able to learn. On
that side, then, suddenly ltfas you say if it is the side
for those who want to learn Andtotally key also if you think that someone
(21:53):
who is starting, if they haveten dollars, risk going to buy five
shares of two hours each to saythat you buy Ford or Boing or Google
or all. There is a riskof each action choosing that action with a
TS. You don' t haveto choose that gives you a little more
(22:15):
access than the whole market and youdon' t have the weight of having
the decision of an action you said. Oh, well, I have to
know all that market to choose thataction. The TS TE gives a little
taste of the whole market in away to be involved when the market goes
up or when it goes down andyou feel that you have little more if
(22:37):
you don' t have exactly galleand not to be able to understand the
starting steps, that is, tobe able to understand what soon ok If
in the same TDF I have fiveindustries, as you said, you suddenly
in that being learning about each oneand knowing that, because neither the risk
itself is not that so great.Hopefully, it depends on what the person
invests. That' s right,well, as we can see, he
(23:02):
argued, a tf is composed ofa portfolio of instruments. What kind of
investments can you choose through an ETFpeople who are interested. Yeah, well,
with a TF TE it gives ataste of everything. Through an TE,
you can choose from a wide varietyof financial instruments. And if we
tell you the basics, stocks andbonds are the first thing people think,
(23:22):
but no more. It' slimited to those two. You can buy
raw materials like gold and silver.You can also buy coins. It has
to be said that you feel verygood about the Mexican currency, the Mexican
peso. You can buy a TSthat is invested in the Mexican peso market
and also international markets. It givesyou a taste of everything, and that
(23:45):
' s through You feel it nolonger buying your TF, but you can
access all these things. No more. To give you an example, as
there is TFS the country Brazil,in which you Claudia will not go to
buy shares of Brazil. Everything youcan buy a TFT, which gives you
the tracking of the Brazilian market index. In the United States there are three
(24:08):
thousand TS in the world, thereare ten zero no more to give you
as a little taste of how manythere are that you can buy and one
in the TF can choose, forexample, what you were saying, some
stocks, some bonds and suddenly followingup with the example of a ten dollar
slice, five shares, gold,silver, coin And those are your five
(24:30):
options or le o. When onebuys the TF that alone, one chooses
what is chosen because they are professionallymanaged those who are choosing tions or the
coin, the gold, the arina. I say it' s a team
that' s trained their profession tohandle etf They decide what to say chocolate
(24:52):
cake. They want to replicate,because how a chocolate cake comes out.
I think what it' s liketo do is the recipe. Let'
s follow the recipe and they doall that. You just get a scrambled
little present like the cake that alreadygives you access without making the decisions of
the flour you' re going touse or the letter you have to buy.
(25:15):
Okay, we' re talking toSophia Moore, Vice President. She
is part of Blackroug' s teamof strategic clients, which focuses on providing
access to listed funds to asset managersaround the world. He' s talking
to us a little bit more aboutthe TTFS, its structure, its features
and now recently he' s suffocating. We have heard a lot about TFS
(25:37):
that are actively managed. You cantell us a little more about the difference
between active management and passive management,because this is the first time I'
ve heard this. You have tostart with a traditional tf, which is
the SOTS follow the strategy of buyingand maintaining to follow a specific index.
(25:59):
They want to be following the market. They want to expose the whole market.
On the other hand, active tfesare funds in which they want to
believe value on the market. Orif you think that epi PIPEHANDR that we
' re talking about, which islike the whole market, the vassive,
(26:21):
wants to follow exactly the exposure ofthat EMPIFI sinking doesn' t want you
if you buy it is six ten. He wants to know if the market
goes up a point this and piecegoes up a point is the goal of
tf the asset. What you wantto do is make investment decisions to overcome
that index and give more as theplace it is to just follow them.
(26:42):
I mean, the market goes upone and you' ve got someone running
the actibo. They want to overcomethat, I mean, you have to
say two, go up by two, because they have the decisions to overcome
the market, instead of no morefollowing it in a passive way. And
that' s called if I cango on a little bit longer, call
(27:06):
you alpha and it' s alittle more technical. But alpha refers to
those gains that exist in the market. Or if you have the liability.
The liability must not have alpha,but the asset yes, because you are,
you are paying someone who makes faireven to the market, to the
bottom forgiveness to take little more profits. Perfect then it' s how passive
(27:27):
it is. There' s still. Nobody' s touching him, nobody
' s helping him. If hegot on his own, if he went
down under the asset, it's more about a person who' s
suddenly actively watching. It' syour low güey and if you need to
go up a little bit more tohelp him, go up another little bit
more. That' s the moment, like basically having a person there taking
(27:49):
care. Yeah, no. Theyboth have professional teams that no longer handle
them with passive form. You haveto say if we go back to the
slice of cake, the set everyday will give the recipe for the cake
with that every day to CLTS orthe passel slice, but that recipe can
change. What is quegnifica is thatno more than the market changes and the
(28:12):
one that is managing the TS professionallyhas to follow the market or make changes.
Every day they' re reviewing youraccount, they' re checking on
TS. On the other hand,the asset is no longer saying, because
it is five and redeeming for chocolatecake, but I want to add subtractions
that are not the recipe. ButI think it' s gonna get richer.
(28:33):
And a little while ago we're talking about being able to buy
ETFS. There is a minimum orwe should have for this kind of investment.
Or it can be what you canminimum and even when you want the
exact maximum. It' s theamazing thing about CTS is that it doesn
' t. The truth is,there' s no minimum. There are
(28:55):
ets They were explaining that there areabout ten thousand in the world market.
There' s five ten dollars thatgive you that market access and there'
s four hundred and five hundred thousanddollars worth of ETFS. But that'
s the amazing thing is that withthose five dollars you have five dollars that
you have as access to that marketthat you won' t have with them.
(29:18):
If you buy it all individually,but it gives you a little taste.
One slice is very thin, butit gives you the slice of the
cake and gives you access to themarket. They' re the least,
which is the incredible. Perfect.That really helps me a lot, especially
as we said, for people whowant to start understanding a little bit more.
But you don' t suddenly havethat budget to invest or you don
(29:41):
' t want to invest much incase you lose so you don' t
lose much either. Thanks for joiningus. We were talking to Sophia Mothr,
Vice President. She is part ofBlack Crock' s team of strategic
clients and focuses on providing access tolisted funds to asset managers around the world.
(30:03):
Thank you so much for all thisinformation about the TFCs that we helped
more than one person, because Ialready understood a little bit more. They
always teach me something. When we' re with someone from Blackras, they
always teach me a little bit moreof something that we suddenly had half touched
on. But when we already focuson a single topic, I already say
ah ah, yes, I alreadydiscover that the water nun and the fence
(30:25):
say clear exactly that we want tohelp explain something that in a term that
is not technical, because everyone hasto understand this is very popular, it
is in soxo media and it isvery easy to explain in a way that
is active help or one more personunderstand for their investments, their portfolio,
how they can be involved. Thankyou for joining us in this episode Are
we with you? We hope youhave enjoyed learning more about the fascinating world
(30:49):
of e Sea and the impact itcan have on our mental health. A
special thanks to our expert, CarolinaBulder, for sharing your knowledge with us.
We also thank Sophia Muller of BlackCrap for providing us with a unique
perspective on the financial world and howwe can apply this kind of investment to
(31:10):
our lives. Remember that we arehere for you bringing you interesting topics and
meaningful conversations. Thank you for joiningme in this episode of We' re
With You. This is Claudia Mendozaand remember that you can listen to this
episode or other episodes of We're With You by dropping the app to
that radio and looking for we're with you. I' ll wait
for you next week for this LatinHeard station. Thank you for being our
(31:33):
special guest in this edition of weare with you. Tune in next week
at this station and remember we're with you any minute now. We
' re so a Latin ihard production.
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