Podcasts about allocations

In this episode of If I were the Minister for Education, I break down what happened after projected SNA allocations for the 2026/27 school year showed roughly 200 schools set to lose at least one Special Needs Assistant: not due to cuts or clerical error, but because of how the national redistribution model works under a capped total. I explain the background to the current situation, including the long period where schools largely held on to allocations since around 2017, the return of NCSE-led reviews from 2023 onward, and how this year's broader round of reviews led to some schools being told they had more SNAs than the model allowed. I talk through the predictable political cycle that followed: schools and parents mobilised, pressure built, the Minister “paused” the process, additional funding was announced (€19 million), and the government confirmed no school would lose an SNA this year. While I'm relieved for schools, principals and SNAs facing uncertainty, I argue that pausing-and-funding responses don't fix the underlying pattern and that we're likely to repeat the same crisis again. I also say I feel sorry for the NCSE in this instance because they became the visible face of a policy they were implementing, and I argue the real issue sits higher up the chain. I then outline what I see as the structural problem: Ireland's primary schools are publicly funded but privately managed individual entities competing for enrolment, staff and survival, while staffing supports (SNA posts and SET hours) are allocated through a national, projection-based redistribution model. I describe how redistribution creates concentrated losers and dispersed winners, making it politically fragile, and I connect this to the annual “cluster games” around SET allocations. Finally, I set out the kind of structural change I think is needed: moving away from competition as the organising principle by exploring regional employment and local coordination through education authorities, because I don't believe repeated annual firefighting counts as planning. I also reference additional writing and commentary, including an Irish Independent piece by Fionnan Sheahan and analysis by Ciara Reilly, and I point listeners toward my Substack articles for more.00:00 Welcome and Subscribe00:47 SNA Allocations Fallout02:30 How the SNA Model Works04:28 From Freeze to Reviews07:59 Backlash and the Pause09:11 Predictable Crisis Cycle10:03 Relief and Real Stakes12:19 Why NCSE Took the Heat14:06 Schools Compete to Survive17:09 Redistribution vs Competition18:25 SET Cluster Games Parallel22:42 Politics and Concentrated Anger29:29 What Would Actually Change33:16 Final Thoughts and Goodbye This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit simonmlewis.substack.com/subscribe

In this episode of If I were the Minister for Education, I break down what happened after projected SNA allocations for the 2026/27 school year showed roughly 200 schools set to lose at least one Special Needs Assistant: not due to cuts or clerical error, but because of how the national redistribution model works under a capped total. I explain the background to the current situation, including the long period where schools largely held on to allocations since around 2017, the return of NCSE-led reviews from 2023 onward, and how this year's broader round of reviews led to some schools being told they had more SNAs than the model allowed. I talk through the predictable political cycle that followed: schools and parents mobilised, pressure built, the Minister “paused” the process, additional funding was announced (€19 million), and the government confirmed no school would lose an SNA this year. While I'm relieved for schools, principals and SNAs facing uncertainty, I argue that pausing-and-funding responses don't fix the underlying pattern and that we're likely to repeat the same crisis again. I also say I feel sorry for the NCSE in this instance because they became the visible face of a policy they were implementing, and I argue the real issue sits higher up the chain. I then outline what I see as the structural problem: Ireland's primary schools are publicly funded but privately managed individual entities competing for enrolment, staff and survival, while staffing supports (SNA posts and SET hours) are allocated through a national, projection-based redistribution model. I describe how redistribution creates concentrated losers and dispersed winners, making it politically fragile, and I connect this to the annual “cluster games” around SET allocations. Finally, I set out the kind of structural change I think is needed: moving away from competition as the organising principle by exploring regional employment and local coordination through education authorities, because I don't believe repeated annual firefighting counts as planning. I also reference additional writing and commentary, including an Irish Independent piece by Fionnan Sheahan and analysis by Ciara Reilly, and I point listeners toward my Substack articles for more.00:00 Welcome and Subscribe00:47 SNA Allocations Fallout02:30 How the SNA Model Works04:28 From Freeze to Reviews07:59 Backlash and the Pause09:11 Predictable Crisis Cycle10:03 Relief and Real Stakes12:19 Why NCSE Took the Heat14:06 Schools Compete to Survive17:09 Redistribution vs Competition18:25 SET Cluster Games Parallel22:42 Politics and Concentrated Anger29:29 What Would Actually Change33:16 Final Thoughts and Goodbye This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit simonmlewis.substack.com/subscribe

Ed Grefenstette is the CIO of The Dietrich Foundation, which supports charitable organizations in Western Pennsylvania through a truly unique investment strategy that seeks to first, last, and always grow the assets. Bill Dietrich, a successful industrialist, published historian, international investor, and innovative philanthropist, formed the foundation after selling his business for $170 million in 1997. Since then, the pool has grown 11.5x to $1.5 billion after distributing $400 million to supported charities, including contributions that make it among the largest donors every year to Carnegie Mellon University and the University of Pittsburgh. Over the last twenty years, the Dietrich Foundation's performance sits at the very top of all endowments and foundations.   Our conversation covers Ed's journey to investing and mentorship by Bill Dietrich, which led to him taking the helm at the Foundation in 2007. We discuss the Foundation's bold approach to illiquid investments, with 90% of assets invested in venture capital and private equity, its governance structure, and its thematic focus on innovation and emerging markets. Along the way, Ed shares insights into managing liquidity, constructing the portfolio, selecting managers, and navigating geopolitical risk to maintain conviction in an uncomfortably different strategy.   Ed's approach and results will open your aperture to what's possible in an institutional portfolio with the right goals, structure, and governance in place.   Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Welcome to Building Passive Income with CREI Collin Most passive investors never read the operating agreement—and that's a mistake. The operating agreement is the rulebook for how the syndication operates. It defines your rights, the sponsor's powers, how profits are distributed, when you get paid, and what happens if things go wrong. In this episode, CREI Collin decodes the operating agreement, breaking down the 10 key sections every investor must understand. You'll learn what rights you have as a limited partner or non-managing member, what red flags to watch for, and what questions to ask before you sign. Learn how to read an operating agreement with confidence. CREI Collin decodes the 10 key sections that define your rights as a passive investor. Key Topics Covered: What is an operating agreement (and limited partnership agreement)? The 10 key sections of an operating agreement Your rights as a limited partner or non-managing member What you can and can't do as a passive investor Red flags to watch for in an operating agreement Questions to ask sponsors about the operating agreement How to protect yourself when reviewing an operating agreement Timestamps: [00:00] Introduction: Why most investors don't read the operating agreement [02:30] What is an operating agreement and why it matters [04:45] Section 1: Definitions [05:30] Section 2: Capital Contributions [06:15] Section 3: Allocations of Profits and Losses [07:00] Section 4: Distributions [08:15] Section 5: Management and Control [09:30] Section 6: Voting Rights [10:45] Section 7: Transfer Restrictions [11:45] Section 8: Capital Calls [12:45] Section 9: Sponsor Removal [13:45] Section 10: Dissolution and Liquidation [14:45] Your rights as a limited partner or non-managing member [16:30] Red flags to watch for [18:15] Questions to ask sponsors [20:00] Recap and action steps Key Takeaways: The operating agreement (for LLCs) or limited partnership agreement (for LPs) is the governing document that defines your rights, the sponsor's powers, and the rules for how the deal operates. Focus on 10 key sections: Definitions, Capital Contributions, Allocations, Distributions, Management and Control, Voting Rights, Transfer Restrictions, Capital Calls, Sponsor Removal, and Dissolution. As a limited partner or non-managing member, you have the right to receive distributions, financial information, and a K-1, and you may have limited voting or consent rights. You generally don't have day-to-day control or the right to easily exit. Red flags include unclear governance, broad discretion without guardrails, mandatory capital calls with severe penalties (dilution, loss of rights, reduced distributions, or forfeiture), vague distribution language, difficult or impossible sponsor removal, severe transfer restrictions, and overly broad indemnification clauses. Ask detailed questions about control, distributions, capital calls, voting or consent rights, transfers, and exit strategy. Read the operating agreement carefully, consult with an attorney if investing significant capital, and evaluate calmly if something feels off. Resources Mentioned: Chapters (00:00:01) - Building Passive Income(00:01:46) - What Am I Signing?(00:02:44) - Subscription Agreement and Investor Questionnaire(00:05:21) - Representations and Warranties(00:07:43) - Accredited Investors: Final Checks and Red flags(00:12:53) - The subscription agreement and investor questionnaire are the final legal documents you sign

durée : 00:15:54 - Journal de 12h30 - Une réforme du travail historique, et destructrice : nous serons en Belgique, dans ce journal, à la rencontre de travailleurs au chômage et qui pourraient perdre leur indemnités.

durée : 00:15:54 - Journal de 12h30 - Une réforme du travail historique, et destructrice : nous serons en Belgique, dans ce journal, à la rencontre de travailleurs au chômage et qui pourraient perdre leur indemnités.

The Education Minister Hildegarde Naughton is to face an Oireachtas grilling next week while the Opposition is to put the controversy towards the top of the Dail agenda. Barry Lenihan reports.

The debate over Special Needs Assistant allocations has been back in the spotlight after the Government paused its review following widespread concern from parents, teachers, and unions. Many schools had been told they could see reductions in SNA support next September, leaving families and staff anxious about what this could mean for children who rely on these vital supports. Joining Alan Morrissey on Thursday's Morning Focus was Renee Hayes, a primary school teacher with twenty years' experience across mainstream and special education settings, a former SNA tutor, and a parent of a child with complex needs. Photo (c) Sebastian Moldoveanu Images via Canva

Au sommaire de l'émission : Le patronat propose des mesures pour réduire le déficit de l'assurance chômage de 1 milliard d'euros, notamment en réduisant la durée d'indemnisation et en élargissant la dégressivité des allocations.Le nombre de dossiers de surendettement déposés à la Banque de France a augmenté de 36% chez les moins de 30 ans, en raison notamment du développement du paiement fractionné.Le trafic de drogue représente un marché de 7 milliards d'euros en France et a un coût social estimé à 7,7 milliards d'euros.L'Inde a décidé d'acheter 114 avions de combat Rafale à la France, un contrat qui s'inscrit dans le renforcement du partenariat stratégique entre les deux pays.Les géants de la tech dépensent massivement pour influencer les élections au poste de gouverneur de Californie afin de préserver leurs intérêts.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Education supports for children with additional needs have been thrust back into the spotlight after Education Minister Hildegarde Naughton announced a pause to the review of Special Needs Assistant allocations. The decision follows widespread concern from parents, schools and unions after a number of schools were informed they could lose SNA posts from next September, despite Government assurances that there are no overall cuts and that SNA numbers will rise to 25,000 by 2026. The review, carried out by the National Council for Special Education, had prompted protests and calls for greater clarity around how allocations are decided. So, what does this pause really mean for families, for SNAs working on the ground, and most importantly, for the children who rely on that vital support every day? Alan Morrissey spoke with Whitegate mother Anne Malone and SNA and Tubber native Liz O'Donoghue on Clare FM's Morning Focus Photo (c) JasonDoiy from Getty Images Signature via Canva.com

In this episode of Stonewater's On the Air podcast, host Paula Palmer explores who social housing is really for in today's pressured housing landscape. Holly Edwards, Stonewater's Customer Experience Director, explains how lettings and allocations work, why fairness is so difficult to achieve, and how shortages shape both decision‑making and community sustainability.Tim Brown from De Montfort University offers a policy and historical lens, discussing the ongoing challenge of fairness for vulnerable applicants and what the UK can — cautiously — learn from European systems.Mark Kent, Deputy CEO at Local Space, provides insight from the frontline, describing councils operating in “permanent emergency mode,” the rise in temporary accommodation, and how intermediate rent has become a safety valve for a system under strain. Journalist Peter Apps rounds out the conversation with reflections on the long-term impact of needs‑based lettings, the misconceptions driving public debate, and the importance of reframing social housing as a mainstream public service rather than a last‑resort option.

The Minister for Education has announced a pause to the review of Special Needs Assistant allocations following concerns raised by parents and schools.Joining Shane to discuss this is Michelle Cotterill, Principal of Our Lady of Good Counsel Boys National School in Glenageary.

Avec : Baptiste des Monstiers, grand reporter. Benjamin Amar, professeur d'histoire-géographie. Et Juliette Briens, journaliste à l'Incorrect. - Accompagnée de Charles Magnien et sa bande, Estelle Denis s'invite à la table des français pour traiter des sujets qui font leur quotidien. Société, conso, actualité, débats, coup de gueule, coups de cœurs… En simultané sur RMC Story.

Rattrapez l'actualité économique du jour avec notre podcast 120 secondes. Hébergé par Audion. Visitez https://www.audion.fm/fr/privacy-policy pour plus d'informations.

#ThisMorning | #Crypto Allocations by #Financial #Advisors Hit All-Time High in #2025 | Matthew Hougan, Bitwise Asset Management | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

In this episode, Scott Becker reflects on how market swings test investor discipline and the temptation to shift asset allocations after strong runs or sudden drops.

In this episode, Scott Becker reflects on how market swings test investor discipline and the temptation to shift asset allocations after strong runs or sudden drops.

On May 29, 1999, Nigeria witnessed a historic transfer of power as General Abdulsalami Abubakar formally handed over leadership to Chief Olusegun Obasanjo, ending more than 15 years of continuous military rule.The moment marked the return of civilian government and the birth of the Fourth Republic, raising widespread hopes for democracy, freedom, and better governance.On Nigeria Daily, we revisit that defining day, hear from Nigerians who witnessed the transition firsthand, and examine how far the country has come since power moved from the barracks to the ballot box.

In the coming year, renewed attention should be made to explore how governments can shift from simply spending more to spending smarter. Drawing on new insights from the International Monetary Fund and fresh empirical work from OMFIF and EY, we examine why productive public investment remains elusive, what distinguishes high-performing public institutions and how fiscal policies can better support high-productive investment.   Mark MacDonald, global public finance management leader at EY, and Galen Sheer, senior economist, fiscal affairs at the IMF, join Andrea Correa, senior economist at OMFIF, to unpack the practical reforms finance ministries can take, from improving allocative and technical efficiency to building credible evaluation systems, and offer next steps that policy-makers can act on immediately to drive better long-term outcomes.

Markets are hitting all-time highs, earnings expectations are rising, and investors are navigating everything from oil prices to Roth conversions. Lance Roberts & Danny Ratliff take live viewer questions and explore the themes investors are most focused on right now. Topics discussed include why earnings may be the primary market driver this year, what recent all-time highs signal for forward returns, and how capital flows are shifting across sectors and asset classes. We also examine oil markets—WTI pricing, energy stocks, Venezuela supply dynamics—and what the "sweet spot" for oil prices means for the broader economy. On the planning side, we address Roth IRA advantages and drawbacks, Roth conversions, RMD considerations, and asset allocation questions across different life stages, including retirement-focused portfolios. Additional discussion covers the growing disconnect between GDP and unemployment data, hidden consumer leverage through buy-now-pay-later programs, and how diversification differs from simply owning non-correlated assets. We also touch on factor rotation, bond ETF structure, metals like gold and silver, and whether certain defensive or out-of-favor sectors may eventually regain investor interest. 0:00 - INTRO 0:18 - Earnings to be The Big Driver this Year 5:45 - Markets Hit All-time Highs 9:23 - Economic Summit Preview & Danny's Holiday Recap 12:25 - WTI, XLE, and Venezuela Oil 17:51 - What is the "Sweet Spot" for Oil Pricing? 21:23 - Tax Advantages - Disadvantages of Roth IRA 24:38 - Where to Look for Capital Flows 27:08 - Roth Conversions & RMD's 28:27 - Commentary - Divergence Between Unemployment & GDP 31:10 - Unrecognized Debt - Buy Now - Pay Later is a Black Box 31:53 - Recommendations for 60-40 Allocations 35:03 - Example of Bond ETF's in SimpleVisor 38:57 - Factor Rotation Portfolio 41:54 - Diversification vs Non-Correlated Assets 44:46 - Silver, Gold, & Other Metals 45:51 - Back Door Roth Conversions 47:30 - Asset Allocations for Septuagenarians 50:18 - Are Packaged Food stocks Ever Coming Back? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=EGgxAtaZIOI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=R8z27km9G1M&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Financial Nihilism vs. Financial Planning," here: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #StockMarketToday #MarketRisk #VIX #PortfolioManagement

European Space Agency Increases Budget and Shifts Toward Commercial Model — Bob Zimmerman — The European Space Agency approved record budget allocations, increasing funding by approximately one-third to facilitate systematic transition toward commercial space operations. Zimmerman documents that the ESA has established a "launcher challenge" incentivizing startup rocket companies, and transferred operational control of the Vega C rocket from centralized Arianespace to manufacturer Avio, enabling independent launch commercialization while the global commercial space sector expands with new entrants including Australianstartup At Space successfully conducting suborbital test flights. 1963

US Space Force Budget Cuts and the "Golden Dome" Missile Defense — Rick Fisher — Fisher analyzes fluctuating U.S. Space Force budget allocations, highlighting Congressional appropriations for the classified "Golden Dome" missile defense system designed to intercept intercontinental ballistic warheads aimed at the U.S. and allied territories. Fisher criticizes persisting policy prohibitions against American space-based weapons development, arguing these restrictions increasingly represent obsolete Cold War-era constraints preventing necessary technological advancement as China advances anti-satellite capabilities originally developed during the 1990s.

In this podcast, we explore what's changed with Victoria's skilled visa allocation and how other Australian states are planning their skilled migration programs. Registered migration agent Pallavi Arora shares insights on which occupations are in high demand, the common EOI mistakes Indian applicants still make, and the impact of anti-immigration sentiment. We also cover updates on regional visa pathways.

This week on Swimming with Allocators, Apurva Mehta, Co-Founder and Managing Partner at Summit Peak Investments, joins Earnest and Alexa to share his unique journey from institutional portfolio management to building a venture fund of funds. The discussion covers building strong networks and communities for allocators and GPs, adapting to the evolving and increasingly crowded venture landscape, and maintaining discipline in fund size and valuations. Key takeaways include the importance of deep relationships and responsiveness, rigorous diligence in a noisy market, and the advantages of staying nimble to deliver consistent returns and foster long-term partnerships. Also, don't miss Shane Goudey of Sidley as he discusses venture funds practice, building a robust, full-service legal team for venture capital clients and the current surge in fund formation and liquidity as the venture market heats up at the end of 2025. Highlights from this week's conversation include: The Journey of Apurva Mehta in Allocations and Investing (0:32) How Apurva Built A Network-First Allocator Community (3:54) The Inception of Summit Peak and Entrepreneurial Spirit (7:46) The Importance of Being the Central Node in Venture (11:09) Identifying New GPs and Evolving Venture Networks (15:13) On The Challenges of Filtering and Iterating for Success (19:20) The Legal and Fund Formation Landscape with Shane Goudey (22:57) Fund Manager Trends and What Surprises Apurva (27:53) Concerns About Market Valuations and Fund Size Discipline (30:39) Impact of Market Dynamics on Growth Deal Approaches (34:18) Being Proactive Versus Passive in Co-Investing (38:28) Trends and Predictions for the Next 10 Years in Allocations (41:49) Summit Peak's Vision For Success and Staying Nimble (44:57) Summit Peak Investments is a venture-focused investment platform backing the next generation of exceptional managers. With a dual strategy of investing in top-performing pre-seed and seed-stage funds alongside targeted Series B+ co-investments, Summit Peak partners with GPs and founders to generate long-term, outsized returns. Learn more at summitpeakinv.com.  Sidley Austin LLP is a premier global law firm with a dedicated Venture Funds practice, advising top venture capital firms, institutional investors, and private equity sponsors on fund formation, investment structuring, and regulatory compliance. With deep expertise across private markets, Sidley provides strategic legal counsel to help funds scale effectively. Learn more at sidley.com. Swimming with Allocators is a podcast that dives into the intriguing world of Venture Capital from an LP (Limited Partner) perspective. Hosts Alexa Binns and Earnest Sweat are seasoned professionals who have donned various hats in the VC ecosystem. Each episode, we explore where the future opportunities lie in the VC landscape with insights from top LPs on their investment strategies and industry experts shedding light on emerging trends and technologies.  The information provided on this podcast does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this podcast are for general informational purposes only. Learn more about your ad choices. Visit megaphone.fm/adchoices

Why the Indexed Universal Life lawsuit is a wake-up call The headlines about the Kyle Busch vs Pacific Life indexed universal life lawsuit sparked the same question I hear from thoughtful families: is my policy designed to serve me, or to serve a sales incentive? This isn't tabloid noise. It's a real-world reminder that choices around products, product design, and behavior determine outcomes. When insurance gets framed like an investment, confusion wins—and families pay for the confusion later. https://www.youtube.com/live/3aLnzmv2dlc Behind the headlines is a deeper issue many families face: when insurance starts getting pitched as an investment, people get hurt. This indexed universal life lawsuit isn't just celebrity drama. It's a cautionary tale about design choices, incentives, and behavior—three ingredients that make or break outcomes. Why the Indexed Universal Life lawsuit is a wake-up callWhy this Indexed Universal Life lawsuit matters to you1) What actually happened in the Kyle Busch vs Pacific Life case2) What Indexed Universal Life is designed to do (and why the moving parts matter)3) Why Indexed Universal Life is usually a poor fit for Infinite Banking4) The commission conversation: what really matters5) Red flags to spot in any IUL illustration6) The behavior factor: decisions drive outcomes7) Where IUL can make sense—and where it doesn't8) How to review your current policy or a proposal in 20 minutesWhat this Indexed Universal Life lawsuit teaches usListen to the full episode on the Indexed Universal Life lawsuitBook A Strategy CallFAQWhat is the Kyle Busch vs Pacific Life indexed universal life lawsuit about?Is an indexed universal life policy a good fit for Infinite Banking?Are whole life policies safer than IUL for building cash value?How do agent commissions affect IUL performance?What red flags should I look for in an IUL illustration?Can IUL still make sense for estate planning?What's the simplest way to protect myself before buying?Is life insurance an investment?What should I do if I already own an IUL? Why this Indexed Universal Life lawsuit matters to you Here's the premise: The Kyle Busch vs Pacific Life indexed universal life lawsuit is shining a bright light on how certain policy designs and sales incentives can set people up for disappointment. Our goal in this article is to unpack what happened at a practical level, explain why it happened, and give you a simple framework to evaluate your own policy or a policy you're considering. What you'll get: A clear understanding of indexed universal life (IUL) mechanics—caps, participation rates, floors, and charges Why IUL is often a poor fit for Infinite Banking, and where it can make sense How agent compensation and death benefit decisions impact performance The difference between marketing hype and durable guarantees A short checklist of questions to ask before you sign anything We'll speak plainly. We'll respect your intelligence. And we'll give you steps to protect your family and your capital. 1) What actually happened in the Kyle Busch vs Pacific Life case Bruce here. Based on the widely discussed analysis from respected product designer Bobby Samuelson, the policy at the center of this story was a complex indexed universal life contract. The pitch focused on future “income.” The design featured a very high death benefit, which increases internal charges and agent compensation. It also appears the early-year cash value was constrained by both high expenses and allocation choices, and that funding didn't match the schedule the clients initially expected. The result: heavy costs, lower-than-expected performance, and ultimately a policy lapse after substantial premiums were paid. Rachel again. Two principles jump out. First, when life insurance is positioned as an investment promising tax-free income, the conversation gets blurry fast. Second, the higher the initial death benefit, the higher the internal costs—especially for a client with added risk factors. Costs matter most in the early years. If they consume the lion's share of premiums, policy cash value will suffer, and a lapse risk can rise. Takeaway: A policy can look good on a spreadsheet and still be fragile in real life if the design incentives and assumptions don't align with your actual goals. 2) What Indexed Universal Life is designed to do (and why the moving parts matter) Bruce here. IUL ties crediting to an index such as the S&P 500 with caps and participation rates. You don't get the full index return. You get a portion, limited by the carrier's rules. You also don't take index losses; there's usually a 0% floor for crediting. But there's a critical nuance: while the index credit can't go below zero, charges—cost of insurance, policy expenses, riders—still come out. A zero-crediting year can still set you back if expenses outpace gains. That's why illustrations are tricky. They show a hypothetical average crediting rate over time. Real markets don't move in averages, and caps, participation rates, and expenses can change. If early-year charges are high, the policy needs time, consistent funding, and sufficiently strong credited returns to catch up. Rachel here. I love simplicity and transparency. That's why, for Infinite Banking, I prefer whole life. You get contractual guarantees on cash value and death benefit, plus the long history of dividends. Is it flashy? No. Is it dependable? Yes. 3) Why Indexed Universal Life is usually a poor fit for Infinite Banking The Infinite Banking Concept relies on stable, accessible cash value, simple mechanics, and predictable loan behavior. Here's where IUL struggles for banking use: Volatility in crediting. Caps and participation rates can shift. Policy loans can stress the design. Loan interest plus uneven crediting can turn small missteps into big problems. Moving parts multiply complexity. If you want banking simplicity, fewer moving parts beat more every time. Could IUL fit some estate-planning use cases? Sure, for certain objectives where the focus is death benefit and there's no plan to rely on policy loans or income. But for banking—using policy cash value as your family's capital base—whole life's guarantees create the clarity and control most people actually want. 4) The commission conversation: what really matters Bruce here. Let's talk compensation without the drama. In any life insurance policy, there are upfront costs. Over long horizons, those upfront costs spread out and matter less if the policy is designed and funded well. But design still matters a lot in the early years. A very high base death benefit can push up the target premium and the commission. It can also raise internal charges precisely when you need cash value efficiency. Rachel again. Ask this one question: How does this design minimize commissions and early-year drag while keeping the policy MEC-safe? In and IUL, like the one mentioned in the lawsuit, that means using a blend structure and, when appropriate, term riders like ART to support premium without bloating long-term costs. If an agent can't explain—in plain English—how they're minimizing commissions and internal drag, press pause. 5) Red flags to spot in any IUL illustration A few practical signals you can use immediately: The illustration calls life insurance an “investment” or implies market-like returns with no meaningful discussion of costs and moving parts. Year-1 cash value is tiny relative to premium with no clear rationale. The design amps the death benefit far above what's needed to keep the contract non-MEC, without using low-cost term blending when available. Income projections look aggressive while early-year charges eat most premiums. Allocations default to a fixed account for years while the pitch centers on index crediting. The plan depends on perfect behavior—no missed funding, no changes, no down years—for it to work. 6) The behavior factor: decisions drive outcomes Bruce here. Nelson Nash reminded us: your behavior matters more than the policy. If the plan assumes consistent premium funding, or specific timing for loan repayment, those behaviors must be realistic for your family. A design that only works in a perfect world isn't a plan; it's a hope. Rachel again. Behavior plus guarantees is where confidence grows. I want you to be able to look at your numbers, understand them, and know what to do next—especially when life happens. 7) Where IUL can make sense—and where it doesn't We're not absolutists. IUL can be used intentionally in estate planning when: The primary goal is death benefit, not banking or policy loans Funding is reliable and stress-tested You're comfortable with moving parts and the absence of whole life guarantees You've pressure-tested outcomes under lower caps and participation rates For Infinite Banking—where the priority is guaranteed, steadily compounding cash value with simple loan mechanics—whole life wins on clarity, control, and durability. 8) How to review your current policy or a proposal in 20 minutes Use this mini-checklist: Purpose: Is this for death benefit, banking, income, or estate planning? Guarantees: What's guaranteed vs projected? Look at guaranteed cash value and death benefit. Early cash value: What percentage of the premium shows as cash value in years 1–3? Does it make sense? MEC safety: How is MEC testing handled? Is an ART or blend used to control costs? Commission drag: How is the design minimizing commission and internal charges while meeting your goal? IUL Allocation: Where is the premium allocated in years 1–3? Fixed vs indexed? Why? IUL Stress tests: What happens if caps/participation rates fall or a funding year is missed? Loan modeling: If banking or income is the goal, are loan assumptions conservative and clearly explained?

In this episode of the Global Thinking Podcast Rob Duncan sits down with Lead Portfolio Manager, David Kletz, to explore the powerful shift in global market leadership that has defined the year. Since "Liberation Day," momentum has moved decisively toward International and Emerging Markets, with Europe and Asia driving much of the advance.   While U.S. equities have staged a recovery, they face mounting challenges — weakening dollar, government shutdowns, and a softening labor market. In contrast, International markets are showing renewed strength, supported by attractive valuations, capital inflows, and central banks that appear poised to maintain accommodative policies.   The discussion also highlights recent developments in Japan, where corporate reforms and currency dynamics are shaping investment opportunities, and the ASEAN summit, where U.S.–China engagement has helped ease trade tensions. Together, these global factors could lay the groundwork for a year-end "Santa Claus rally" and signal a more durable rotation toward global equities.   It's a timely, data-driven look at how government policy, geopolitics, and investor psychology are shifting the investment landscape — and where the next leg of leadership may emerge.   Chapters: 01:05 Introduction and Welcome 03:26 Investment Summary: A Tale of Two Years 05:20 Government Shut Down and Patchy Data 09:00 OpenAI Tour of Asia Powering Returns 10:01 ASEAN Summit Highlights 16:03 Interest Rate Cuts and Expectations 17:58 Why Japan is Setting New Record Highs 24:33 Investment Implications and Allocations 28:25 US Financials Outlook   Disclosures: https://forstrong.com/disclosures/    Global Thinking Podcast Series - https://forstrong.com/podcast/    Global Thinking Insights - https://forstrong.com/insights/    Who is Forstrong Global - https://forstrong.com/who-we-are/    Ask Forstrong - https://forstrong.com/category/ask-forstrong/    Invest With Us - https://forstrong.com/invest-with-us/     Thank for you listening, please considering leaving a review and subscribing for future episodes.   For any questions, comments or suggested topics please reach out to Rob Duncan, rduncan@forstrong.com    

Au menu de la troisième heure des GG du mercredi 5 novembre 2025 : "Stop à la politique des chèques ?", avec Antoine Diers, consultant, Didier Giraud, agriculteur, et Joëlle Dago-Serry, coach de vie.

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This week's episode features Canaccord Genuity senior investment advisor Cam Currie in conversation with host Adrian Pocobelli on gold and silver stocks, the bond market, the dollar, and industrial metals. Currie explains why he believes gold stocks are set to continue performing, and why equities offer better opportunities than the metals themselves. He also shares his outlook on silver, copper, and lithium, and highlights why some of the greatest opportunities often lie in overlooked markets. All this and more with host Adrian Pocobelli. This week's Spotlight features Major Drilling Chief Technology Officer Marc Landry and GeoSolutions Services Manager Patricia Frisch, who discuss the company's latest developments, including the Rock5 real-time data platform for senior mining clients, as well as collaborations with DGI Geoscience and KORE Geosystems. To learn more, visit: majordrilling.com. “Rattlesnake Railroad”, “Big Western Sky”, “Western Adventure” and “Battle on the Western Frontier” by Brett Van Donsel (⁠www.incompetech.com⁠). Licensed under Creative Commons: By Attribution 4.0 License ⁠creativecommons.org/licenses/by/4.0⁠ Apple Podcasts:⁠ https://podcasts.apple.com/ca/podcast/the-northern-miner-podcast/id1099281201⁠ Spotify:⁠ https://open.spotify.com/show/78lyjMTRlRwZxQwz2fwQ4K⁠ YouTube:⁠ https://www.youtube.com/@NorthernMiner⁠ Soundcloud:⁠ https://soundcloud.com/northern-miner

On this week's episode of Passive Income Playbook, Pascal Wagner interviews Fred Hubler. Fred shares why he built a retainer-based advisory model that helps entrepreneurs and high-net-worth families allocate beyond stocks into private credit, real estate and other alternatives, and he explains his 50-10-20-20 portfolio framework for traditional assets, cash, alts and hard assets. He digs into his due-diligence rubric of legal, ethical and moral unfair advantages, plus concrete playbooks like franchise roll-ups, optioning underused retail land for townhouse developments, and partnering with institutional-grade sponsors to protect downside. You'll also hear how to vet operators, get closer to the underlying asset, and set break-even thresholds in volatile areas like oil and gas. Fred HublerCurrent role: Founder and CEO, Creative Capital Wealth Management GroupBased in: Chester Springs, PennsylvaniaSay hi to them at: https://ccwmg.com | mailto:frederickhubler@ccwmg.com | Instagram This is a limited time offer, so head over to aspenfunds.us/bestever to download the investor deck—or grab their quick-start guide if you're brand new to oil and gas investing. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 565: Charlie Eisenhood and Keith Raynor discuss the thrilling final weekend of the Club Regular Season! They then discuss the final regional bid allocations for the 2025 Club National Championships!Make sure to join the Ultiworld Discord for the Live Deep Look subscribers-only segments which start directly after each show.

Markets closed down a bit on Friday ahead of a long, holiday weekend, but still maintained its bullish trend. The 20-DMA is continuing to act as running trend support, and bullishly-speaking, the market is doing just fine. The trend line support is very important because trading algorithms and systematic traders have all moved their stops up to that 20-DMA; if we DO get a confirmed violation of the 20-Day, we could see more selling pressure come into play. Just below that is the 50-DMA, which will become much more critical for support: If the market takes out the 50-DMA, a LOT of programmatic selling will kick in, followed by a quicker drop to the 100- and 200-DMA's...which have all converged around 6,000. We don't think we'll see 6,000 by the end of the month, before we get set up for an end-of-year rally, but there is the potential for a pullback this month. There is a lot of speculative activity that could be quickly unwound if we get a bit of a correction. The divergences in relative strength and momentum we've been watching are precursors for larger than normally expected corrections. Re-balancing portfolios and storing up a little cash this month would be wise.  Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO  Produced by Brent Clanton, Executive Producer ------- Watch the Video version of this report on our YouTube channel: https://www.youtube.com/watch?v=__3NfLfuGNQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1  ------- Articles mentioned in this report: "Meme Markets: Investing vs. Entertainment" https://realinvestmentadvice.com/resources/blog/meme-markets-investing-vs-entertainment/ ------- Get more info & commentary:  https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Register for our next RIA Dynamic Learning Series event, "Savvy Medicare Planning," September 18, 2025: https://realinvestmentadvice.com/resources/events/savvy-medicare-planning-what-baby-boomers-need-to-know-about-medicare/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BullishTrend #NegativeDivergence #MarketCorrection #PortfolioAllocation #20DMA #50DMA #100DMA #200DMA #InvestingAdvice #Money #Investing

The Yukon receives additional allocations under the Yukon Nominee Program, released on 21 August 2025The Government of Yukon has received an additional 67 allocations for the Yukon Nominee Program (YNP) in 2025 from IRCC, bringing the total number of allocations to 282 for this year.Key highlights:Additional allocations received: 67Total allocations for 2025: 282Reason: Ongoing advocacy on behalf of Yukon employersImpact: More employers from the Expression of Interest (EOI) pool can be invitedReissued invitations: 13 (due to earlier withdrawals)Priority areas: Candidates in specific fields as of April 22, 2025Healthcare allocations: 10 spots for regulated health care positions (until September 30, 2025)Yukon news archive: https://myar.me/tag/nt/ Learn about Canadian PR programs: https://myar.me/c Free weekly Zoom resource meetings: https://myar.me/zoom Choosing an immigration representative: https://ircnews.ca/consultant

HEADLINES: Rep. Tiangco reveals P17B flood control allocations linked to former appropriations chairman Rep. Zaldy Co | Sept. 3, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Dynamic Allocations in OneStream: From Pain Points to Strategic Advantage In this episode of the CPM Customer Success Podcast, host Andy Smetana dives into the power of dynamic allocations in OneStream — and how they can transform accuracy, efficiency, and transparency in resource planning. Discover how to move beyond fragile, error-prone spreadsheets to a fully integrated, real-time allocation process based on true business drivers. You'll hear about a top U.S. insurance broker that slashed its month-end allocation process from days to minutes while building trust across the organization. Andy unpacks common allocation challenges, the benefits of OneStream's dynamic allocation capabilities, and practical tips to kickstart your own transformation!

In this episode of Mining Stock Daily, host Trevor Hall sits down with Jon Goodman, President and CEO of Dundee Corp, to explore the intricate dynamics of today's gold market. They delve into the current trends influencing gold prices, the strategic decisions behind investments in precious metals, and the evolving landscape of the Toronto Stock Exchange. With insights into the challenges and opportunities within the industry, this conversation offers a comprehensive look at the factors driving gold market dynamics today. The two also share some insights into the business of Dundee Corp and how the firm approaches investment ideas, due diligence, and collaborate decision making on capital allocations. This episode of Mining Stock Daily is brought to you by... Revival Gold is one of the largest pure gold mine developer operating in the United States. The Company is advancing the Mercur Gold Project in Utah and mine permitting preparations and ongoing exploration at the Beartrack-Arnett Gold Project located in Idaho. Revival Gold is listed on the TSX Venture Exchange under the ticker symbol “RVG” and trades on the OTCQX Market under the ticker symbol “RVLGF”. Learn more about the company at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠revival-dash-gold.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vizsla Silver is focused on becoming one of the world's largest single-asset silver producers through the exploration and development of the 100% owned Panuco-Copala silver-gold district in Sinaloa, Mexico. The company consolidated this historic district in 2019 and has now completed over 325,000 meters of drilling. The company has the world's largest, undeveloped high-grade silver resource. Learn more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://vizslasilvercorp.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Equinox has recently completed the business combination with Calibre Mining to create an Americas-focused diversified gold producer with a portfolio of mines in five countries, anchored by two high-profile, long-life Canadian gold mines, Greenstone and Valentine. Learn more about the business and its operations at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equinoxgold.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Integra is a growing precious metals producer in the Great Basin of the Western United States. Integra is focused on demonstrating profitability and operational excellence at its principal operating asset, the Florida Canyon Mine, located in Nevada. In addition, Integra is committed to advancing its flagship development-stage heap leach projects: the past producing DeLamar Project located in southwestern Idaho, and the Nevada North Project located in western Nevada. Learn more about the business and their high industry standards over at integraresources.com

Welcome to another edition of Planning for Retirement (PFR) with Kevin Lao. And welcome to all the newbies here! If you are new, you might want to hit that “Follow” button if you are over 50 and have saved a minimum of 7 figures for retirement. You're approaching the phase of life where you want to be able to fire your boss at any time, maximize your retirement impact, minimize your lifetime tax bill, and worry less about money! This is your podcast!And don't forget to “Subscribe” to our YouTube Channel, where we put out weekly retirement-related content designed for YOU (PFR Nation).Today, we'll revisit another Q&A session with some GREAT questions we've curated over the last few months. Reminder, if you have a question for a future Q&A episode, or simply want to send me an email, you can at: kevin@imaginefinancialsecurity.comWe have questions related to Roth IRAs, Inherited Roth IRAs, stock allocations for retirees, IRA to Health Savings Account rollover, and more! I hope you enjoy this one!Kevin  Resources Mentioned:Don't miss your Roth Conversion Window (video)Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

Nigeria's FAAC funds are soaring to new heights, with a staggering ₦4.95 trillion allocated in the first quarter of 2025 alone. By June, monthly allocations had skyrocketed to ₦1.818 trillion. But amidst this unprecedented bonanza, Nigerians are scratching their heads, wondering: where's the impact? Despite the record-breaking funds, citizens are still grappling with crumbling infrastructure, inadequate social services, and economic hardship. What's going wrong? In this episode of Nigeria Daily, we dive into the disconnect between fattening FAAC coffers and the harsh realities on the ground. We'll explore the root causes of this paradox and ask the tough questions: what's holding back development? And what needs to change for Nigerians to reap the benefits of these record allocations?

In this episode we break rules and have guests!  Dennis and Ben from the Father McKenna Center.  We review the fabulous results of the Top of the T-Shirt Campaign and reflect on the generosity engagement of our listeners. Then we answer emails from Jamie, Camille and Jon.  We discuss Jamie's portfolio experiments, bond allocations in a 403b, musing about changes in the reserve currency status of the US Dollar and transitioning issues.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Jamie's Portfolio Analyses:  https://testfol.io/?s=jusQGGadC9PBreathless Unedited AI-Bot Summary:What happens when a finance podcast community rallies around a worthy cause? Something extraordinary. In this special episode, we break our "no guests" rule to welcome Dennis D and Ben Hoffschneider from the Father McKenna Center, where they share the remarkable story behind our recent fundraising campaign.Dennis's journey will stop you in your tracks – from arriving at the center homeless after a 24-hour bus ride from Florida to eventually becoming its Executive Director. His powerful testimony shows how organizations like the McKenna Center transform lives daily. When our listener "Matthew63" stepped forward with a $15,000 matching challenge, none of us expected what would follow.The results left everyone speechless: $60,969.83 raised (yes, down to the penny) from approximately 100 donors across the country. This campaign now represents 4% of the center's annual budget and has become their leading donor source for the fiscal year. As we reflect on Theodore Roosevelt's famous "Man in the Arena" speech, it becomes clear who the true warriors are – those doing the daily work with limited resources to address homelessness and food insecurity.After our interview, we tackle several listener questions about portfolio construction. Jamie wonders about using VXX and SCO as bond replacements, Camille seeks guidance on holding treasury bonds in retirement accounts, and John asks about transitioning from target date funds to a more diversified approach. We close with our weekly portfolio review, noting gold's continued strong performance up 27.83% year-to-date.Want to support the Father McKenna Center's work? Register for their Walk for McKenna on September 27th or follow them on social media to see your donations in action. The t-shirts featuring our logo will be available mid-September – a small reminder of what we can accomplish together.Support the show

Barossa water users warned to prepare for allocation cuts as water resources reach critical thresholds, South Australia's winter crop revised back down by around half a million tonnes, and a new public information campaign promotes SA seafood as the algae bloom impacts consumer demand.

In this episode of the Wealth Management Invest Podcast, host David Bodamer interviews Tom Cohn, partner and chief solutions officer at Cerity Partners. They explore the significance of private markets in client portfolios and discuss asset allocation strategies.  Tom shares insights on the evolution of private markets, the rise of evergreen structures and the impact … Read More Read More

On this TCAF Tuesday, Josh Brown sits down with Ric Edelman, Founder of Edelman Financial Engines to discuss: how far Bitcoin has come, the correct Bitcoin allocation, Tokenization, Stablecoins, and much more! Then at 01:03:40 hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠Downtown Josh Brown⁠⁠⁠ and ⁠⁠⁠Michael Batnick⁠⁠⁠! This episode is sponsored by Public. Find out more at: http://public.com/WAYT   Sign up for ⁠⁠⁠The Compound Newsletter⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠ Twitter: ⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠ LinkedIn: ⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠ TikTok: ⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠ All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. *Rate as of 3/5/25. APY is variable and subject to change. **Terms and Conditions apply. Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Kevin and Kieran discuss the reasons why away ticket allocations aren't higher at grounds where the home end rarely sells out, and find out the financial impact for the club that wins the FA Trophy. Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow The Price of Football on X - @pof_pod Send in a question: ⁠⁠⁠⁠⁠⁠⁠questions@priceoffootball.com⁠⁠⁠⁠⁠⁠⁠ Join The Price of Football CLUB: ⁠⁠⁠⁠⁠⁠⁠https://priceoffootball.supportingcast.fm/⁠⁠⁠⁠⁠⁠⁠ Check out the Price of Football merchandise store: ⁠⁠⁠⁠⁠⁠⁠https://the-price-of-football.backstreetmerch.com/⁠⁠⁠⁠⁠⁠⁠ Visit the website: ⁠⁠⁠⁠⁠⁠⁠https://priceoffootball.com/⁠⁠⁠⁠⁠⁠⁠ For sponsorship email - ⁠⁠⁠⁠⁠⁠⁠info@adelicious.fm⁠⁠⁠⁠⁠⁠⁠ The Price of Football is a Dap Dip production: ⁠⁠⁠⁠⁠⁠⁠https://dapdip.co.uk/⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠contact@dapdip.co.uk⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Aujourd'hui, Charles Consigny, Didier Giraud et Flora Ghebali débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Ed Grefenstette is the CIO of The Dietrich Foundation, which supports charitable organizations in Western Pennsylvania through a truly unique investment strategy that seeks to first, last, and always grow the assets. Bill Dietrich, a successful industrialist, published historian, international investor, and innovative philanthropist, formed the foundation after selling his business for $170 million in 1997. Since then, the pool has grown 11.5x to $1.5 billion after distributing $400 million to supported charities, including contributions that make it among the largest donors every year to Carnegie Mellon University and the University of Pittsburgh. Over the last twenty years, the Dietrich Foundation's performance sits at the very top of all endowments and foundations.   Our conversation covers Ed's journey to investing and mentorship by Bill Dietrich, which led to him taking the helm at the Foundation in 2007. We discuss the Foundation's bold approach to illiquid investments, with 90% of assets invested in venture capital and private equity, its governance structure, and its thematic focus on innovation and emerging markets. Along the way, Ed shares insights into managing liquidity, constructing the portfolio, selecting managers, and navigating geopolitical risk to maintain conviction in an uncomfortably different strategy.   Ed's approach and results will open your aperture to what's possible in an institutional portfolio with the right goals, structure, and governance in place.   Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership

Business groups challenge the Climate Disclosure Rule.Federal money for more fire prevention work, pleases a northern California lawmaker We'll visit an Ag Day event that introduces thousands of students to farming and ranching.Reactions to certain federal water allocations. We'll check the egg market for the Easter holiday.

Budget Allocations for Sponsored Products vs. Sponsored Brands vs. Sponsored Display - What's the Right Mix?

The Postseason is officially upon us & today's show with Willie "The Brain" had a bit of everything, from High School States Drama and Senior Level Updates to NCAA Allocations & Coaches Rankings!0:31 - Housekeeping03:45 - There's a Big Ten Curveball This Year 08:00 - Anthony Knox OUT for Postseason18:45 - Snyder Wrestled at Multiple Events This Week28:05 - FloWrestling Card38:48 - Spencer vs Ono51:30 - Coaches Rankings = Pure Comedy55:50 - Allocations are Out - What It Means1:04:00 - Who Needs an Allocation1:05:35 - Ryan Crookham/Matty Lopes Situation at 13301:09:15 - Returning All-Americans Need an At-Large01:24:57 - Will Iowa Send All 10?Tweet us and send us messages with questions and general thoughts! Be sure to SUBSCRIBE to the podcast and go through the archives to hear more great stories.Support the show & leave a 5-star rating and review on Apple Podcasts, and shop some apparel on BASCHAMANIA.com! For all partnership and sponsorship inquiries, email info@baschamania.com.BASCHAMANIA is a Basch Solutions Production. Learn more about Basch Solutions at BaschSolutions.com.SUBSCRIBEON YOUTUBE! https://bit.ly/2QrKFXfCONNECT ON X/TWITTER:TWITTER: http://www.twitter.com/justinjbaschINSTAGRAM: http://www.instagram.com/jbaschWILLIE ON TWITTER/X https://twitter.com/MatScouts1BASCHAMANIA AUDIO FEEDS:Apple Podcasts: https://podcasts.apple.com/us/podcast/baschamania/id1475498491Spotify: https://open.spotify.com/show/7LBgpWGohZxuHHYGgJF9Mu

Slappin' Glass sits down this week with the Founder and CEO of Elite Cognition, Brittany Loney. In this highly interesting conversation the trio dive into all things about improving group excellence and decision making, and discusses coaching through volatility and uncertainty, and optimizing the planner during the always fun "Start, Sub, or Sit?!"To join coaches and championship winning staffs from the NBA to High School from over 60 different countries taking advantage of an SG Plus membership, visit HERE!