Podcasts about allocations

Bloomberg reported that SpaceX drew more than $100 billion in retail orders for its planned IPO, signaling unusually strong Main Street demand. The company, led by CEO Elon Musk, operates reusable launch services and the consumer-facing Starlink satellite broadband business. The scale of retail interest raises allocation and pricing questions, including whether underwriters lift the price range, upsize shares, or rely on a 15 percent overallotment. Investors will study SpaceX's S-1 for revenue mix, Starlink unit economics, margins, launch cadence, capital expenditure plans, and government contract exposure. The response could influence peers such as Rocket Lab USA, Iridium Communications, AST SpaceMobile, and Viasat, and may pull other deep tech issuers toward the IPO market.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

The SpaceX IPO may be one of the most anticipated market events of the year, but does that mean investors should rush to participate? In this episode of Off The Wall, David B. Armstrong, CFA and Nate Tonsager, CIPM, CFA challenge some of the biggest assumptions surrounding IPOs, including the belief that buying on day one means getting in early. They explore what history says about IPO performance, why patience can be an advantage, and how investors can gain exposure without getting caught up in the news headlines. They also unpack the market's recent volatility, the surprising sector shifts happening beneath the surface, and why they believe that adaptability is the key to long-term investment success.   Episode Timeline/Key Highlights: 00:00 - Cold Open And Disclosures 00:27 - AMA Format And Today's Two Questions 01:30 - SpaceX IPO Hype Vs Reality 04:35 - IPO Returns Stats And Lockup Pressure 1255 - Institutions, Allocations, And Retail FOMO 17:35 - Index Funds, ETFs, And Long-Term Exposure 23:53 - Market Volatility And Sector Whiplash 26:52 - Earnings Strength And A Data Process 30:47 - REIT Trivia, Listener Questions, And Subscribe     Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures       Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   Check out our Between Sips Podcast: Where Money Meets Meaning Because money without meaning never feels like wealth. https://monumentwealthmanagement.com/between-sips-podcast/   About "Off the Wall":    Markets are noisy. Your time is limited. Off The Wall cuts through the clutter. Hosts David B. Armstrong, CFA and Nate Tonsager, CFA, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com 

In this episode of the Wealth Management Invest podcast, host David Bodamer speaks with Mark Sutterlin, head of alternative investments at Bank of America Merrill Lynch, about the increasing role of private markets within client portfolios. Mark outlines how demand for alternative investments is evolving, particularly among ultra-high-net-worth investors, and explains how firms are expanding access through new platform offerings and structures. Mark also explores the role of evergreen funds in making private markets more accessible, while emphasizing the importance of long-term thinking, diversification, and consistent allocation. In addition, he shares perspectives on how technology is improving the investment experience, along with key themes shaping opportunities across areas such as artificial intelligence, infrastructure, and hedge strategies. Key takeaways: Why ultra-high-net-worth investors are increasing allocations to private markets for diversification How evergreen funds help simplify access but still require long-term discipline from investors The role of advisor education in helping clients understand illiquidity and portfolio fit How technology is improving reporting, execution and the overall investor experience Key investment themes including AI, infrastructure growth and renewed interest in hedge strategies Connect With David Bodamer: david.bodamer@informa.com  Wealth Management LinkedIn: David Bodamer LinkedIn: Wealth Management Connect With Mark Sutterlin: LinkedIn: Mark Sutterlin LinkedIn: Bank of America Merrill Lynch LinkedIn: Bank of America Business Website: Bank of America Business Resources: Listen to the Wealth Management Invest Podcast on Wealth Management Listen and Subscribe to the Wealth Management Invest on Apple Podcasts Listen and Subscribe to the Wealth Management Invest on Spotify

Hashdex U.S. CEO Mick McLaughlin breaks down the recent pressure on Bitcoin, pointing to institutional selling, ETF outflows, and geopolitical tensions. He says regulatory clarity from the CLARITY Act could help bring more institutional capital into crypto. McLaughlin also highlights the Hashdex Nasdaq CME Crypto Index (NCIQ) ETF as a way to gain broad exposure.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Thanks to Southern States Hardin Co-op for sponsoring this week's show! Go visit them at their Hodgenville and Elizabethtown locations. Thanks also to our studio sponsor Biotech Innovations.  Learn more about them at www.biotechinnovationsag.com.

Today on AirTalk: L.A. mayoral race (0:30) Update on the Colorado River (18:23) New book on Stanford's cultural dominance (33:53) Standardized testing in college admissions (51:33) Regional dialects in the Internet age (1:10:26) TV Talk (1:25:37) Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency.

This is the AHRMM Updates Podcast with Mike Schiller and hosted by Justin Poulin. Tune in every month as we highlight trends, strategies and solutions from the field to advance the healthcare supply chain. And now, Mike and Justin… May ‘26 Update - Compensation Survey ‘26 - Upcoming Events * Information Systems - Data Management Academy * Finance Academy * Spring Summit - On Demand - AHRMM Conference Awards - Welcome Reception * Patient First - Clinically Integrated Supply Chain * Supply Chain Advancement * Federal Sector Supply Chain Performance - On the Fringe * Neuro Sponge Shortage - extends through 2026 * Medline Angiographic Rotating adapter control syringes * Nitrile Gloves and Allocations

Ce mercredi 13 mai, Antoine Larigaudrie vous présente le placement à suivre dans l'émission Tout pour investir sur BFM Business. Retrouvez l'émission du lundi au vendredi et réécoutez la en podcast.

Send us Fan MailWhat does it actually take to earn the trust of billion-dollar allocators, build an institutional-quality platform, and operate at a level where top-tier capital wants to back you?In this fireside chat, Richard C. Wilson sits down with Marcus Ridgway of F6 Partners to break down the real architecture behind scaling with institutional capital.Marcus has helped build and lead businesses at the highest levels of real estate, including co-founding Invitation Homes, the first and largest institutional single-family rental platform in the U.S., backed by Blackstone and scaled to more than 80,000 homes. In this conversation, he shares what founders, operators, and investors must understand if they want to move from hustle-driven growth to true institutional credibility.This episode goes deep on what sophisticated investors actually care about: downside protection, repeatability, controls, transparency, optionality, and long-term thinking.In this episode, we cover:How Marcus and his team earned the trust of BlackstoneWhat institutional investors really look for before deploying serious capitalWhy downside risk matters more than pitch decks, stories, or headline IRRsHow to design a company to look and operate at institutional quality from day oneWhy architecture beats hustle when building a scalable platformThe importance of repeatability, exactness, and clean reportingHow to think about optionality as protection against volatilityWhy many founders get stuck because too much depends on them personallyThe difference between tactical thinking and strategic thinkingWhat separates centimillionaires and institutional heavy hitters from everyone elseMarcus also shares practical insights on:Building frameworks and investment committees earlyCreating systems that can absorb large capital allocationsWhy trust is earned through precision and consistencyHow to identify fragility before it breaks a businessWhat types of student housing and senior housing opportunities he is focused on nowWhy long-term thinking is one of the biggest competitive advantages in business and investingBottom line:If you want to raise larger checks, build investor trust, improve your platform, or think more like an institutional allocator, this is a conversation worth studying closely.Subscribe for more interviews with centimillionaires, billionaires, family offices, and elite operators sharing practical strategies on capital, deal flow, investing, and building at the highest levels.https://familyoffices.com/

In this episode we answer emails from Michael, Jim, and Optimus Bill.  We start with a 67-year-old investor who is all-in on equities and cannot sleep, and how changing portfolio allocations can lead to better rest. We share a framework of "the three H's" for determining whether you are Hustling, Hoarding, or Harvesting your way through retirement, and how that may impact your well-being over time. We also dig into why people chase bond ladders and bucketeering.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:Testfolio Analysis with Sleep-Better-At-Night Metrics:  Portfolio Backtester for ETFs and Asset Allocation | testfolioOptimus Bill's Bond Ladder Extravaganza Article:  Building a Bond Ladder with Individual Bonds and ETFsBen Carlson's Explanation As To Why Bond Ladders and Bond Funds are Functionally the Same:  Owning Individual Bonds vs. Owning a Bond Fund - A Wealth of Common SenseBreathless Unedited AI-Bot Summary:Your portfolio should not be a nightly stress test. We start with a listener who is 67, 100% in equity funds, and staring down retirement in the next one to three years while worrying about an extended downturn. From there we get practical about “sleep-at-night” portfolio design, comparing volatility, maximum drawdown, and even the Ulcer Index across common setups like an S&P 500 heavy approach, a Bogleheads-style three-fund portfolio, a classic 60 40 mix, and a risk parity style Golden Ratio portfolio.Then we zoom out to the bigger question of what money is actually for. I share a simple framework I call the three H's: hustling, hoarding, and harvesting. We talk through how each approach affects real life outcomes like relationships, experiences, buying back your time, and giving, and why a portfolio that supports harvesting can matter more than a portfolio that simply wins a return contest.We also tackle a timely question about bond ladder ETFs and why so many ladder, bucket, and time-segmentation products keep popping up. The blunt take: a lot of it solves a fear problem more than a finance problem, and the difference between ladders and bond funds is often smaller than people think. We close with our weekly review of the eight sample portfolios, covering stocks, treasury bonds, gold, commodities, managed futures, and more.If this helped you think more clearly about retirement investing and diversified asset allocation, subscribe, share the show with a friend, and leave a review so more DIY investors can find it.Support the show

Ahead of the Ryder Cup at Adare Manor in Limerick next September, some local residents are up in arms after the allocation of tickets...1,500 complimentary passes have been handed out, but these are only for people living in the postcode, rather than the Parish of Adare.Andrea is joined by Bridie Collins, Fianna Fáil Councillor for the area and listeners to discuss this.

Et si votre habitation privée était saisie pour rembourser une dette fiscale? C’est désormais une possibilité pour les indépendants en personne physique, à la lumière d’un récent arrêt de la Cour de cassation de Belgique. Par ailleurs, les marchés financiers se projettent déjà au-delà du conflit au Moyen-Orient. Malgré une situation toujours incertaine sur le terrain, les investisseurs misent sur un rebond, avec un regain d’intérêt marqué pour les actions américaines. Enfin, en Belgique, le gouvernement fédéral envisage de réduire les moyens alloués aux syndicats pour le paiement des allocations de chômage. Une proposition portée par la N-VA lance le débat dans un contexte de recherche d’économies pour assainir les finances publiques. Présentation: Ondine Werres Le Brief, le podcast matinal de L'Echo Ce que vous devez savoir avant de démarrer la journée, on vous le sert au creux de l’oreille, chaque matin, en 7 infos, dès 7h. Le Brief, un podcast éclairant, avec l’essentiel de l’info business, entreprendre, investir et politique. Signé L’Echo. Abonnez-vous sur votre plateforme d'écoute favorite Apple Podcast | Spotify | Podcast Addict l Castbox | Deezer | Google PodcastsSee omnystudio.com/listener for privacy information.

Towns and villages across Clare are being urged to apply for Community Safety Grants. Allocations of between €20,000 and €150,000 are available for local initiatives promoting crime prevention. The Department of Justice is accepting applications until May 18th. Ardnacrusha Fianna Fáil Councillor Rachel Hartigan says communities need to make the most of it.

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Mauritius Fire and Rescue Service : mécontentement grandissant face à des allocations impayées depuis des mois by TOPFM MAURITIUS

Dans un contexte marqué par la guerre au Moyen-Orient, certains politiciens posent des gestes concrets au nom de la solidarité. Le député Eshan Juman a ainsi demandé au département des finances de l'Assemblée nationale de prélever 20 % de son salaire de base pendant six mois, à compter d'avril. Dans la même dynamique, Atish Aubeeluck a sollicité une réduction de 50 % de ses allocations en tant que conseiller municipal. Ishmal Sumboo a également emboîté le pas en adoptant une démarche similaire. Ces initiatives ont été saluées par de nombreux Mauriciens, qui y voient un geste fort en période de crise internationale, et espèrent que d'autres ministres, députés et acteurs politiques suivront cet exemple. Interrogé, Eshan Juman affirme que certains de ses collègues posent peut-être déjà des actions similaires, chacun étant libre d'agir selon ses convictions. Il souligne que son salaire provenant de fonds publics, il lui paraît légitime de le réinjecter au service de la population, tout en se disant confiant que ces contributions seront utilisées à bon escient.

If your indirect costs aren't tracked—they're hiding. And what they're hiding is your true profit margin.   In this episode of Construction Genius, Eric sits down with Kathe Barrington, CPA and fractional Controller/CFO with 20 years of construction experience, to break down one of the most misunderstood areas of construction accounting: indirect cost allocations, equipment costing, and overhead structure.   Kathe explains the difference between indirect costs and G&A, how to think about owned equipment usage rates, what a clean chart of accounts should look like, and why your bank and bonding company will notice if you're burying job costs in overhead. She also shares her favorite phrase that every construction leader should internalize: every dollar needs a home and a purpose.   In this episode, you'll learn: The difference between indirect costs, overhead, and G&A—and why it matters How to cost and track owned equipment using market usage rates Why inaccurate chart of accounts structure distorts job profitability How misallocated costs affect banking, bonding, and strategic decisions Why your estimators and accounting team need to speak the same language The two biggest areas of indirect cost leakage to look for first Why you should review indirect allocations monthly, not annually   This is Part 4 of the Construction Accounting Series with Kathe Barrington. Previous Episodes in This Series Ep. 357 - WIP Reports Made Simple: The Key to Stopping Hidden Job Losses Ep. 359 - How to Use Your WIP to Protect Cash and Grow Profitability Ep. 364 - Why the Field and Accounting Are Both Right  

Episode 594: Charlie Eisenhood and Keith Raynor discuss the USAU College Nationals bid allocations and their contenders for most likely upsets at Regionals! They then look at results from the Western Ultimate League and Premier Ultimate League and make their Semi-Pro Pick of the Week. Donovan Nominations are open! Make sure to join the Ultiworld Discord for weekly Live Deep Look Subscriber-only bonus segments.

The Moneywise Radio Show and Podcast Friday, March 27th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.  

Some foreign airlines say they may reduce long-haul flights to New Zealand, as jet fuel supplies come under pressure from the war in the Middle East.

This week's show covers mistakes investors are making right now, asset allocation (rate agnostic bond allocations), rules-based rebalancing, and lots of emails!

Allocating on the Stack by Keith Randall//go:fix inline and the source-level inliner by Alan DonovanAnnouncing TypeScript 6.0 RC by Daniel Rosenwasser ★ Support this podcast on Patreon ★

Gordon Duncan, Brian Graham and Gordon Dalziel are here for night two of Old Firm fallout following Celtic's Scottish Cup win on Sunday.A Rangers fan fears he will never return to Ibrox after his daughter was almost hit by a bottle, with Brian sharing an anecdote about the trouble he witnessed.Meanwhile, a Celtic fan is full of praise for "character" Julián Araujo, and a St Mirren fan talks their progression to the semi-finals.

WHAT A WEEKEND! Today on Basch & The Brain, we are recapping Day 3 of Conference Championships including the Big Ten Finals!TIMESTAMPS:0:00 - Intro & Start of Show01:00 - Allocations & Wild Card Small Talk06:45 - IVY League & Teams Qualifying 1011:55 - ACC Championships18:45 - Big Ten Finals & Consis23:50 - 133 NCAA Seeds at Big Tens30:00 - Ohio State Sweeping Big Ten Awards40:50 - 149lbs - 174lbs53:40 - 184lbs and Rocco vs Max01:08:20 - 197lbs and Heavyweight01:18:50 - Big Ten Team Scores01:27:00 - After ShowRokfin.com/MatScouts for all of Willie's Content!Be sure to SUBSCRIBE to the podcast. NEW EPISODES WEEKLY! 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, a digital marketing agency specializing in custom websites, content creation, and digital strategy, at BaschSolutions.com.

Jacqueline Cordova and Ben Visser recap Iowa State's final dual of the season, which featured an unconventional start at 197 pounds and carried plenty of storylines from start to finish. They break down the highlights from the night, the emotion surrounding Yonger Bastida's final home dual, and what his impact has meant to this program. Plus, a deep dive into Big 12 allocations, coaches' rankings, and RPI. Presented by Fareway Meat & Grocery. Learn more about your ad choices. Visit megaphone.fm/adchoices

Si la population mondiale devrait continuer d'augmenter au cours des 50 à 60 prochaines années, pour atteindre 10,3 milliards d'habitants, cette croissance est bientôt révolue, selon les prévisions des Nations unies. Au rythme actuel de baisse de la fécondité, nous ne serions plus qu'environ 4 milliards à la fin du siècle. Bien sûr, dans certains pays en Afrique et en Asie notamment le taux de fécondité reste élevé, la dénatalité est devenue un phénomène mondial. Partout autour du globe, en Chine, en Corée du Sud, au Japon, en France, en Italie, on s'inquiète du vieillissement de sa population et de la baisse des naissances. Le spectre de la surpopulation a laissé place à l'angoisse du déclin démographique. Allocations au premier enfant, allongement des congés de naissance, baisse ou gratuité des frais de garde, ... Les pays s'arment de politiques publiques pour tenter d'enrayer la chute de la natalité avec, semble-t-il, des résultats en-deçà de leurs espérances. Ces changements démographiques ne sont pas sans conséquence pour nos sociétés et nos économies, mais sont-elles forcément négatives ? Faut-il chercher à enrayer la baisse de natalité ? Ou repenser l'organisation de sociétés sans enfant ?   Avec : • Pauline Rossi, professeure d'Économie à l'École polytechnique et au Centre de recherche en économie et statistique (CREST). Autrice du livre Le déclin démographique, une urgence économique ? (PUF, 2026) • Jacques Veron, démographe et directeur de recherche à l'Institut national d'Études démographiques (Ined) pour son livre La Démographie de l'extrême (Éditions de La Découverte (2025). Un entretien avec Cléa Broadhust, correspondante de RFI à Pékin en Chine. Après avoir laissé le titre de « pays le plus peuplé » à l'Inde, la Chine voit la baisse de sa population s'accélérer.   Programmation musicale :  ► Dans quelques mois - Orelsan ► Shikishiki - Gazza, Nally.  

Si la population mondiale devrait continuer d'augmenter au cours des 50 à 60 prochaines années, pour atteindre 10,3 milliards d'habitants, cette croissance est bientôt révolue, selon les prévisions des Nations unies. Au rythme actuel de baisse de la fécondité, nous ne serions plus qu'environ 4 milliards à la fin du siècle. Bien sûr, dans certains pays en Afrique et en Asie notamment le taux de fécondité reste élevé, la dénatalité est devenue un phénomène mondial. Partout autour du globe, en Chine, en Corée du Sud, au Japon, en France, en Italie, on s'inquiète du vieillissement de sa population et de la baisse des naissances. Le spectre de la surpopulation a laissé place à l'angoisse du déclin démographique. Allocations au premier enfant, allongement des congés de naissance, baisse ou gratuité des frais de garde, ... Les pays s'arment de politiques publiques pour tenter d'enrayer la chute de la natalité avec, semble-t-il, des résultats en-deçà de leurs espérances. Ces changements démographiques ne sont pas sans conséquence pour nos sociétés et nos économies, mais sont-elles forcément négatives ? Faut-il chercher à enrayer la baisse de natalité ? Ou repenser l'organisation de sociétés sans enfant ?   Avec : • Pauline Rossi, professeure d'Économie à l'École polytechnique et au Centre de recherche en économie et statistique (CREST). Autrice du livre Le déclin démographique, une urgence économique ? (PUF, 2026) • Jacques Veron, démographe et directeur de recherche à l'Institut national d'Études démographiques (Ined) pour son livre La Démographie de l'extrême (Éditions de La Découverte (2025). Un entretien avec Cléa Broadhust, correspondante de RFI à Pékin en Chine. Après avoir laissé le titre de « pays le plus peuplé » à l'Inde, la Chine voit la baisse de sa population s'accélérer.   Programmation musicale :  ► Dans quelques mois - Orelsan ► Shikishiki - Gazza, Nally.  

Report from Una Kelly

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

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.

#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.

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

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.

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

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?

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