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#94: AI 双面圆桌派 02 ~ AI 时代的理财之道
你有没有试过,让 AI 帮你解释 ETF、看一只股票、算退休,或者判断该不该提前还房贷?
它说得很快。
也很像那么回事。
但理财最难的,常常不是看懂一个产品。
而是看清自己的约束:收入、家庭、税务、房贷、风险承受力,还有你晚上能不能睡得着。
这一场,我们继续用「AI 双面圆桌派」的方式,聊 AI + 理财。
我们会聊几个普通人真的会遇到的问题:
* AI 能帮我们省下哪些查资料、做比较、读文件的时间?
* 为什么同样收入、同样资产的两个家庭,答案可能完全不同?
* AI 给出的投资观点,普通人可以怎么验证,而不是直接相信?
* 金融平台越来越智能之后,效率、推荐和用户保护之间怎么平衡?
* 当金融骗局从群发话术变成个性化关系,我们该如何提高警觉?
这不是一场投资课。
也不会给个股推荐。
我们更想聊的是:
AI 可以帮我们更快看懂信息,但它不能替我们承担后果。
***嘉宾介绍***
**Melinda Hu, CFP**
加拿大 CFP 注册财务规划师,拥有 20 年中加税务与财富规划经验,专注小企业与家庭的税务及退休规划。她长期关注 AI 对财务规划行业的影响,也关注在技术快速变化的时代,人们如何重新理解财富、风险与安全感。
**Alex Luo**
资深 IT 软件架构师,15 年深耕云技术、AI 人工智能与科技金融行业。金融创业 5 年,致力于中产阶级财商教育和理财服务,关注 AI 在金融行业的应用和发展。
***About Startup4Chinese***
Started in August 2017, Startup4Chinese's mission is to INSPIRE, EMPOWER, and CONNECT entrepreneurial minds not only among Chinese but beyond. We want to inspire your passionate entrepreneurship spirit, empower your brilliant startup idea, and connect you with your future reliable partner. We value Openness. We provide Pragmatic topics. We want to help you succeed!
***关于OneHub***
OneHub商业咨询是一家领先的加拿大咨询公司,提供商业咨询和顾问服务,帮助中小企业增长和成功。该公司以其战略咨询方面的专业知识而闻名,包括商业计划、市场研究、财务建模和数字化转型。创始人Eddie Lee有30多年企业实务经验,他注意到创业者常常面临相同的问题。OneHub团队,就是要为为初创企业或中小型企业遇到的问题提供全面解决方案。
***About OneHub***
OneHub Business Consulting is a leading Canadian consulting company that provides business consulting and advisory services to help small and medium-sized enterprises grow and succeed. The company is known for its expertise in strategic consulting, including business planning, market research, financial modeling, and digital transformation. Founder Eddie Lee has over 30 years of practical experience in the corporate world and noticed that entrepreneurs often face similar problems. The OneHub team aims to provide comprehensive solutions for the issues encountered by startups or small to medium-sized businesses.
Sunday Night with Friends! (Dinner, Cocktails and Conversations)
Hello everyone,
I'd like to invite you out to our **Sunday Night with Friends-Dinner, Cocktails and Conversations** get together.
-Reserved seating, friendly people, good conversation and great food awaits!
So please plan to join us if you can :)
\*Joined by my other groups too; so we can anticipate a fantastic evening
**Time: 6:30 p.m. -9:30 p.m.**
**Location:** La Carnita - Good Fortune Bar (Main Floor)
**Address:** 130 Eglinton Ave. Toronto, ON M4P 2X9
Free Paring on Eglinton on Sundays on the North Side (Just East of the Restaurant)
Event Details Bellow:
Sincerely,
Steve Flemming
(Organizer/Host)
Event Details:
**Sunday Night with Friends! (Dinner, Cocktails and Conversations)**
-The great thing about this dinner party is you're free to move around to different tables and meet the other members too throughout the evening
**Dinner Party Topics** may include but not limited too: Travel, Culture, Spirituality, Relationships, Modern Dating, Life after Marriage, Work/Life balance, Art, Technology, Economy, Music, Movies, Sports, Fashion, Hobbies, Books, Psychology, Philosophy, the Future, History, Pop Culture, Theatre, Living the Good life etc.)
**Arrival Time:**
\*Join us any time between 6:30 pm and 7:15 pm (if you can) for a fun and highly interactive evening as we get to know the members over dinner and great conversations (of your choice)
Event goes until roughly 9:30 pm (stay later if you like)
**Event Fee:**
5 dollars (cash only please) (HST included)
or in advance by e transfer to **[steveflemming11@gmail.com](http://steveflemming11@gmail.com/)**
\-\-\-\-\-\-\-\-\-\-\-\-
**Friendly Reminder:**
\*One beverage or appetizer minimum to support the venue- this is greatly appreciated :)
\-\-\-\-\-\-\-\-\-\-\-\-
**Parking Available:**
\*Plenty of free street parking on Eglinton and (Residential area south/east of venue for free)
**Close to Subway Station:**
\*Also right beside the Yonge/Eglinton subway station
\-\-\-\-\-\-\-\-
IPL WATCH PARTY
🏏 RCB HAS REACHED THE IPL FINALS! ❤️💛
We’re hosting an IPL Finals Watch Party and would love for everyone to join us for an exciting evening of cricket, cheering, and fun! 🎉
📍 Venue: [https://maps.app.goo.gl/hF5bPKB7qmwjskGm8?g_st=ic](https://maps.app.goo.gl/hF5bPKB7qmwjskGm8?g_st=ic)
💵 Entry: $5
Please e-transfer to: [krishnaswamyswathi@gmail.com](mailto:krishnaswamyswathi@gmail.com)
Let’s come together and support RCB in the finals! 🔥🏆
Beach Volleyball All level Learn and Play
Join our WhatsApp group
[https://chat.whatsapp.com/F7838OJWfkiAlMEyNffVfZ](https://chat.whatsapp.com/F7838OJWfkiAlMEyNffVfZ)
Welcome to beach volleyball All Level Learn and Play Event in Spanish Banks. If you never play before but want to, no worry, you can learn basic skills over here. All the equipment is prepared. This event is for come to meet new friends, improve your volleyball skill and build your team. **Only 20 spots**
**If you can HOST our volleyball event, peope learn basic Skills from you. Reserve as HOST, get paid**
* People will **learn basic skills and rules from** **Our Host Leon** in the first hour.
* In the next hour, we will be divided into the different teams to play on the court.
* People who purchase the summer pass will be put into the same team, play with your same team players and build your team.
**Drop In $10**
**Flash Sale 2026 All summer Pass $69**
and May 17 2026 - Sep 6 2026 Sunday (No Events in Holiday or Raining)
[https://www.extremelyshy.com/toronto&RAP1VF](https://www.extremelyshy.com/toronto&RAP1VF)
**Book online only**, you will receive details and contact information in your confirmation email. Show your QR code to our host Natalie to verify.
Legal Stuff - Liabilities, Obligations, and Responsibilities
We are a group composed of volunteers. We are NOT a professional organization or pro trail guides and/or pro event organizers. However, as a group of friends and acquaintances, we will look out for each other. The organizer and any/all assistant organizers and other attendees are in no way responsible and liable for your personal safety and health state, before, during, and at any time after this event. By RSVPing "Yes", for this event, You acknowledge that you fully understand and accept the aforementioned conditions and following event attendance conditions and, you are solely responsible for your health, safety, and well-being before, during, and at any time after the event as stated previously. All attendees shall forever hold harmless the organizers and other attendees and unconditionally waive any liabilities resulting from attending and/or participating in this event
Moll Flanders by Daniel Defoe
For May, we'll read Moll Flanders by Daniel Defoe
313 pages
First published in 1722
About the book:
Born and abandoned in Newgate Prison, Moll Flanders is forced to make her own way in life. She duly embarks on a career that includes husband-hunting, incest, bigamy, prostitution and pick-pocketing, until her crimes eventually catch up with her. One of the earliest and most vivid female narrators in the history of the English novel, Moll recounts her adventures with irresistible wit and candour-and enough guile that the reader is left uncertain whether she is ultimately a redeemed sinner or a successful opportunist.
Watermelon friends Riverdale Park hangout
Grab your tea, matcha or coffee and meet us at riverdale park for a chat and new friendships :)
Information Retrieval Events This Week
Discover what is happening in the next few days
Badminton Enthusiast
This group is for badminton enthusiasts who are passionate about exploring the connections between metabolism, energy, and exercise. We are welcome beginner plus, intermediate and advance level players looking to improve your skill or a seasoned player seeking to optimize your performance on the court, this group is for you! Join us for friendly games. This badminton session is a weekly event and it is followed with dinner together but it is optional.
Birdies: Please bring one birdie with you. However, if you are intermediate plus or advanced level, bring two birdies with you.
Court fee: It will be informed at the comment section by 4pm. Cost per person is either
$216 (for 4 courts), $162 (for 3 courts) or $108 (for 2 courts) divided by the number of players attended. My email address for etransfer is: lingseilau@yahoo.com
Sunday Night with Friends! (Dinner, Cocktails and Conversations)
Hello everyone,
I'd like to invite you out to our **Sunday Night with Friends-Dinner, Cocktails and Conversations** get together.
-Reserved seating, friendly people, good conversation and great food awaits!
So please plan to join us if you can :)
\*Joined by my other groups too; so we can anticipate a fantastic evening
**Time: 6:30 p.m. -9:30 p.m.**
**Location:** La Carnita - Good Fortune Bar (Main Floor)
**Address:** 130 Eglinton Ave. Toronto, ON M4P 2X9
Free Paring on Eglinton on Sundays on the North Side (Just East of the Restaurant)
Event Details Bellow:
Sincerely,
Steve Flemming
(Organizer/Host)
Event Details:
**Sunday Night with Friends! (Dinner, Cocktails and Conversations)**
-The great thing about this dinner party is you're free to move around to different tables and meet the other members too throughout the evening
**Dinner Party Topics** may include but not limited too: Travel, Culture, Spirituality, Relationships, Modern Dating, Life after Marriage, Work/Life balance, Art, Technology, Economy, Music, Movies, Sports, Fashion, Hobbies, Books, Psychology, Philosophy, the Future, History, Pop Culture, Theatre, Living the Good life etc.)
**Arrival Time:**
\*Join us any time between 6:30 pm and 7:15 pm (if you can) for a fun and highly interactive evening as we get to know the members over dinner and great conversations (of your choice)
Event goes until roughly 9:30 pm (stay later if you like)
**Event Fee:**
5 dollars (cash only please) (HST included)
or in advance by e transfer to **[steveflemming11@gmail.com](http://steveflemming11@gmail.com/)**
\-\-\-\-\-\-\-\-\-\-\-\-
**Friendly Reminder:**
\*One beverage or appetizer minimum to support the venue- this is greatly appreciated :)
\-\-\-\-\-\-\-\-\-\-\-\-
**Parking Available:**
\*Plenty of free street parking on Eglinton and (Residential area south/east of venue for free)
**Close to Subway Station:**
\*Also right beside the Yonge/Eglinton subway station
\-\-\-\-\-\-\-\-
💘 May Dragon Boat Experience & Singles Social
**Paddle, Laugh & Meet New People 🚣♀️**
Looking for a more active, outdoorsy way to meet singles this spring?
**Celebrate Asian Heritage Month with an outdoor singles social featuring dragon boating, teamwork, and new connections. Beginner-friendly!**
**When:** Sunday\, May 31\, 2026 \| 10:00am – 1:00pm
**Where:** Sunnyside Pavilion (1755 Lake Shore Boulevard West)
**Tickets:**[ ](https://www.eventbrite.ca/e/toronto-dating-hub-may-dragon-boat-experience-singles-social-tickets-1988492050251?aff=meetup)[\[Buy Here\]](https://www.eventbrite.ca/e/toronto-dating-hub-may-dragon-boat-experience-singles-social-tickets-1988492050251?aff=meetup)
**(must buy ticket from website - RSVP from Meetup doesn't count)**
#### **What to Expect 🚣♀️💬☀️**
* Beginner-friendly dragon boat experience — no experience needed
* Intro to paddling, teamwork & safety from experienced coaches
* Time on the water paddling together as a team (with rotations) 🌊
* Shore-side mingling before, between & after boat sessions 🍹
* Light refreshments included
* Fun, social, active atmosphere with a healthy-lifestyle crowd
* Great for solo attendees — many people come on their own 😊
Can’t make it? Follow **[Toronto Dating Hub](https://www.torontodatinghub.com/)** for upcoming mixers & events!
The Music Factory
Please join us and support our Legion #82 this coming Saturday night and make plans to dance the night away!
Toronto Climate Film Festival: Emergence: Women In The Storm (TORONTO PREMIERE)
[Toronto Climate Film Festival](https://www.tcff.ca/) and [ClimateFast](https://www.climatefast.ca/) present:
**Emergence: Women In The Storm**
**Sunday May 31, 2026 – 6:30-9pm**
Doors open @ 6:30 pm.
Screening starts @ 7 pm.
Join acclaimed directors Nova Ami and Velcrow Ripper at the Toronto premiere for a Q&A to discuss ‘wisdom from the storm’ — how finding your community is one of the best ways to prepare for emergencies. Presented by The Toronto Climate Film Festival and Climate Fast. Doors at 6:30pm, screening at 7:00; Q & A to follow moderated by legendary feminist activist Judy Rebick.
Trailer: [https://www.youtube.com/watch?v=6ytX_0KiQnM](https://www.youtube.com/watch?v=6ytX_0KiQnM)
Tickets: [https://cool.world/event/emergence-toronto-premiere/](https://cool.world/event/emergence-toronto-premiere/)
(Your Meetup RSVP will not get you a ticket!)
About the film:
Climate change is here. As heat domes, atmospheric rivers, and wildfires reshape our world, how do we protect what matters most? EMERGENCE: Women in the Storm goes beyond the headlines to explore how women are navigating climate emergencies.
Recent disasters, including the wildfire that burned the town of Lytton to the ground and the devastating floods in the Fraser Valley, are seen through the eyes of survivors, while emergency responders and community organizers provide perspectives on preparing for – and moving beyond – the worst. Meghan Fandrich’s reflective readings from Burning Sage: Poems from the Lytton Fire, written after losing her town to the blaze, are woven together with stories of healing, resilience and hope in the face of an uncertain future.
Intimate and beautifully crafted, the film offers insights on how to live in this new reality, finding ways to carry on without giving up.
Website: [https://emergence.film/](https://emergence.film/)
Information Retrieval Events Near You
Connect with your local Information Retrieval community
Data & Analytics Wednesday - Finding Product Insights
**The Behavior Gap: Where Products Win or Lose**
Teams today have more data than ever, and yet many still struggle to understand why customers adopt, engage with, or abandon their products. Teams sprint, ship faster, and chase more signals… all while metrics stall and confidence drops. The missing piece isn’t more data. It’s often the behavioral insight between the metrics, explaining why the numbers move in the first place. Dashboards can tell you what customers did, but understanding why they did it (and how to influence what they do next) requires a deeper blend of insights. This session is about closing that gap.
Drawing from real-world experience designing and scaling products as [ZoCo Design](https://zocodesign.com/)’s CEO, [Lacey](https://www.linkedin.com/in/laceypicazo/) will share how to cut through the noise and identify the insights that actually change behavior—moving people, and moving metrics. You’ll learn:
* Why understanding customer behavior is a quant and qual challenge
* How to spot the signals that actually predict behavior change
* Where AI accelerates insight, and where it creates distraction
* How to get meaningfully closer to customers, without adding more tools
This talk reframes how to evaluate performance and identify what levers actually improve it, helping your team to make smarter bets with greater confidence. Every meaningful outcome is driven by behavior change. And when you know how to design for behavior, you stop guessing, and start building things that work.
**About Our Speaker**
[Lacey Picazo](https://www.linkedin.com/in/laceypicazo/) is the Founder and CEO of ZoCo, a healthcare product studio that turns complex, high-stakes ideas into products that drive real-world adoption. She partners with healthcare organizations to uncover critical care delivery insights, focus product strategy through behavior design, and build solutions that patients and providers actually use.
Thanks to our 2026 sponsors:
[Clarivoy](https://www.clarivoy.com), [What Box Consulting Group](https://www.whatboxconsultinggroup.com), [Conductrics](https://www.conductrics.com), and [Piwik PRO](https://piwik.pro)
More info at [cbusdaw.com](https://cbusdaw.com)
ServiceNow Knowledge 26 Recap + Topgolf Happy Hour
Couldn't make Knowledge? Or want to debrief the dancing robots or Autonomous Workforce? Join us for a Knowledge '26 recap, insights sharing, a couple rounds of golf, and fun at Topgolf. As always, drinks and food will be provided. More details to come — mark your calendar, RSVP, and save your spot today!
June 2026 AWS Columbus - Topic to be announced
Topic to be announced.
**THANK YOU** *Franklin University* for hosting our meetup! To learn more about *Franklin University*, please visit their website: https://www.franklin.edu/
**DIRECTIONS**
Franklin University
Fisher Hall
300 E. Main St, Columbus, OH 43215
Map: https://maps.app.goo.gl/jxjBA2hUmS5qrvhq8
Parking is FREE! Please park in Lot C in front of Fisher Hall. See attached map.
NOTE: Map the address only. When mapping with Google Maps it may use the Fisher Hall at OSU, which is NOT correct.
**Want to sponsor the pizza and/or bar tab?**
Please contact me if you would like to sponsor this meetup's pizza and/or bar tab: angelo@mandato.com
DoJo (Informal Python Meeting)
**Latest Dojo Location!**
**Knotty Pine Brewing**
1765 W 3rd Ave,
Columbus, OH 43212
We're going to try a new dojo location for a few weeks and see how it works
Dojos are informal Python group study sessions where everyone interested in Python gathers to learn about Python, help others with Python, or just hang out. Everyone is welcome from Python beginners to experts. Bringing a laptop is encouraged (we'll have extension cords and power strips). If there's something you want to learn leave a comment on this invite so we can plan ahead.
We're looking for speakers for our Monthly Meetups! Fill out the form if you are interested in presenting to the Python Community.
https://forms.gle/ehSfUAC2WgR34Crq9
QA or The Highway 2026
QA or the Highway is a one-day, affordable, regional, professional conference featuring real-world experience and thought leadership in the QA and testing industry.
This is a ticketed event please register here:
https://www.qaorthehwy.com/
Featured Keynote Speakers:
**Matthew-Hope Eland** **(Wizard at Leading EDJE)** \- An AI Specialist and Wizard at Leading EDJE who is known to teach software engineering\, AI\, and data science concepts in the most ridiculous ways possible\. Matt has used machine learning to settle debates over whether Die Hard is a Christmas movie\, reinforcement learning to drive the behavior of digital squirrels\, data analytics to suggest improvements to his favorite TV show\, and AI agents to play board games and create an AI agent with the personality of a dog\. Matt is the author of "Data Science in \.NET with Polyglot Notebooks" and "Refactoring with C\#" as well as several LinkedIn Learning courses\. Matt helps organize the Central Ohio \.NET Developer Group\, runs several blogs and a YouTube channel\, has a Master’s of Science in Data Analytics\, and is a current Microsoft MVP in AI and \.NET\.
**Tatyana Arbouzova** **(CEO at Innovate QA)** \- Tatyana Arbouzova is an engineering and business leader with a strong background in Quality Engineering across multiple industries\, including Big Tech\, Healthcare\, and Entertainment\. She has held leadership roles at world\-class companies such as Microsoft\, VMware\, Disney\, and The Pokémon Company International\, where she focused on building quality\-driven cultures and scaling teams to deliver high\-impact products\. With decades of experience\, Tatyana has helped organizations transform their quality practices so teams can deliver software efficiently\, confidently\, and with measurable business outcomes\. Today\, Tatyana advises software companies on adopting AI to optimize quality practices and improve how software is delivered at scale\. She is also a passionate community builder and the founder of Innovate QA\, a thriving Seattle\-based community and conference for quality professionals\.
Stop Guessing: A Product Person's Guide to AI Adoption
## 🤝 Host Information
A co-hosted event by ProductTank Columbus & Women in Product Columbus
💡 About the Workshop
AI adoption is stalling across organizations — not because of a lack of motivation or tools, but because it's fundamentally a behavior design challenge.
This hands-on workshop applies proven Behavior Design models and methods to help you move from a vague organizational wish to boost AI adoption to 3-5 concrete, testable interventions you can act on starting tomorrow.
Whether you're a product manager, on a product team, or just someone trying to get AI to actually stick at work, you'll leave with a clear picture of what's worth focusing on, what to ignore, and how to drive real, sustained adoption — no guesswork required.
🛠️ What to Bring
Laptop: Fully charged and ready to go.
AI Assistant: Have your favorite AI assistant pulled up. (Dom will be using Claude, but feel free to use whichever assistant you prefer!)
🍕 Logistics & Perks
Food & Drink: Pizza and drinks provided!
Parking: Plenty of free spaces available on-site.
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