Podcasts about Concentration

Ahead of BC Budget 2026, the provincial government was already laying the groundwork to defend austerity measures by arguing that there is not enough wealth to redistribute. Economist Alex Hemingway disagrees. He and fellow economist Silas Xuareb at Canadians for Tax Fairness say that there is wealth in BC and Canada, and claiming otherwise is a way to distract us from the massive concentration of wealth in this country. Alex Hemingway is Senior Economist and Public Finance Policy Analyst with BC Policy Solutions. He joins me today to talk about the report published last week, The New Robber Barons.

In this episode of Lead-Lag Live, I sit down with Kai Wu, Founder and CIO of Sparkline Capital, to break down why the AI boom may be entering a new phase and why investors concentrated in infrastructure stocks could be taking more risk than they realize.With nearly half of the S&P 500 tied directly or indirectly to AI infrastructure buildout, Kai explains the dangers of crowded positioning, excessive capital spending, and valuation expansion. Drawing on historical technology cycles from railroads to the internet, he outlines why the biggest long-term winners often aren't the builders, but the early adopters who use new technology to gain efficiency and market share.We also dive into enterprise adoption rates, proof-of-ROI versus hype-driven AI mentions on earnings calls, and how to distinguish companies generating measurable productivity gains from those simply telling the story.In this episode:– Why the AI cycle may be shifting from buildout to adoption– How only about 10 percent of firms are currently using AI in production– The valuation risk embedded in infrastructure-heavy portfolios– Why early adopters may outperform the AI builders– How advisors can rethink AI exposure without abandoning the themeLead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.#AI #StockMarket #SP500 #NVDA #TechStocks #TeslaSupport the show

Get AudioBooks for Free Best Self-improvement Motivation Master Concentration with Dandapani & Focus Discover powerful focus and mindfulness strategies from Dandapani and Jim Kwik. Learn how to train your mind for deep concentration and peak performance. Get AudioBooks for Free ⁠We Need Your Love & Support ❤️ https://buymeacoffee.com/myinspiration #Motivational_Speech #motivation #inspirational_quotes #motivationalspeech Get AudioBooks for Free Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Lead-Lag Live, I sit down with Michael Germano, Founder and Wealth Manager at Key Sage Wealth, to discuss whether markets are entering a major rotation after years of mega-cap tech dominance.From signs of mean reversion and passive-driven distortions to the case for a commodity supercycle and a weakening U.S. dollar, Germano explains why investors may want to rethink concentration risk and reassess exposure to AI-driven valuations.In this episode:– Why mega-cap tech may be “long in the tooth”– How passive flows have created market inefficiencies– The case for a structural commodity supercycle– What a weaker dollar means for portfolios– How wealthy investors compound capital using lending strategiesLead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.#MarketRotation #Commodities #AI #AssetAllocation #WealthManagementSupport the show

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

Apprendre à investir en bourse ➡️ https://www.rachelfinance.com/weinvest/youtube (We Invest)

Dans ce podcast, je partage 5 décisions à prendre pour protéger votre énergie dans un contexte morose d'overdose d'information et de toxicité.Rejoignez Energy Flow : https://www.flowtasking.fr/energy-flowMes accompagnements: https://jyangting.com/consulting/Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Pour télécharger mes notes de lecture : https://robintyonnel.com/notes-de-lecture-feel-good-productivity/

Resource sector investor Erik Wetterling (a.k.a. The Hedgeless Horseman) shares insights about current conditions in gold and silver equities, market corrections, jurisdictional risk, and how he sizes positions. Erik shares his perspective of risk/reward set-ups and when he bets big on undervalued junior mining stocks. Furthermore, Erik discusses market psychology, volatility, some stock picks and what he looks for in a quality junior mining stock opportunity. 0:00 Intro 1:04 Market Correction After VRIC: Staying Fully Invested & Value Shuffling 2:46 Why Juniors Still Look Cheap: Patience, Boredom, and the ‘Wall of Worry' 4:23 Sentiment Whiplash: Buying Misery vs. Hot Metals Markets 7:21 Beyond Gold & Silver: Copper, Nickel, and Macro Uncertainty (AI, Economy) 9:39 How to Play Base Metals: Producers vs. Developers + The Importance of Teams 12:29 Conference Circuit: First Vancouver Trip, PDAC Plans, and Why Events Matter Again 15:11 PDAC Talk Preview: Psychology, Volatility, and Being Comfortable Looking Stupid 18:03 Filtering the Noise: Social Media, Discipline, and Holding a 2-Year Thesis 22:12 Technicals vs. Fundamentals: Charts as Entertainment, Position Size as the Real Tool 25:58 People Matter: Evaluating CEOs, Communication, and Execution Ability 27:03 Why ‘Good People' Beat ‘Hidden Gems' in Mining Investing 28:50 Due Diligence Shortcuts: Third-Party Validation & Knowing What Success Looks Like 29:43 Vision Matters: 1–3 Year Roadmaps and 10-Year Mine Plans 31:19 People vs. Project: When the Asset Speaks for Itself 33:32 Low-Maintenance, Long-Term Portfolios (and Why People Matter More Over Time) 34:42 Jurisdictional Risk Spotlight: Mexico After the Tragedy 38:22 Positioning Through Metal Cycles: Invest Like It's a Perpetual Bear Market 41:34 Concentration & Conviction: No Hard Rules on Position Size 45:01 Qualitative vs Quantitative Conviction: Choosing the Right Team Over ‘Cheap' Numbers 49:06 Top Pick Breakdown 51:32 Wrap-Up, Where to Follow Erik's website: https://www.thehedgelesshorseman.com/ Sign up for our free newsletter and receive interview transcripts, stock profiles and investment ideas: http://eepurl.com/cHxJ39 Mining Stock Education (MSE) offers informational content based on available data but it does not constitute investment, tax, or legal advice. It may not be appropriate for all situations or objectives. Readers and listeners should seek professional advice, make independent investigations and assessments before investing. MSE does not guarantee the accuracy or completeness of its content and should not be solely relied upon for investment decisions. MSE and its owner may hold financial interests in the companies discussed and can trade such securities without notice. If you buy stock in a company featured on MSE, for your own protection, you should assume that it is MSE's owner personally selling you that stock. MSE is biased towards its advertising sponsors which make this platform possible. MSE is not liable for representations, warranties, or omissions in its content. By accessing MSE content, users agree that MSE and its affiliates bear no liability related to the information provided or the investment decisions you make. Full disclaimer: https://www.miningstockeducation.com/disclaimer/

Ce 17 février 2026, nous sommes entrés dans l'Année du Cheval de Feu

Learn how concentration risk can affect index funds and how 2026 catch-up contributions work. Senior news writer Anna Helhoski and Ryan Sterling, a wealth advisor with NerdWallet Wealth Partners, break down stock market concentration risk and what it means for index fund diversification. Then, hosts Sean Pyles and Elizabeth Ayoola answer a listener's question about 2026 catch-up contributions, including FICA wages, Roth 401(k) rules for some high earners, and other ways to boost retirement savings. NerdWallet Wealth Partners, LLC is an affiliate of NerdWallet Inc. NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management. Learn more at https://nerdwalletwealthpartners.com/  Use NerdWallet's free investment return calculator to estimate how much your money can grow. Enter your planned contributions, timeline, rate of return and compounding frequency to get started: https://www.nerdwallet.com/investing/calculators/investment-calculator  Backdoor Roth IRA: What It Is and How to Set It Up https://www.nerdwallet.com/retirement/learn/backdoor-roth-ira  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Retrouvez l'échange complet entre Ronan Le Moal et Arnaud Naudan sur toutes les plateformes d'écoute !Coulisses de CEO est un podcast de BDO France Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

8 - The wealth concentration engine - Rethinking America's financial plumbing by Australian Citizens Party

#268Are you looking for a way to buy UK property and add value but without the headache of refurbishment and with minimal expense? Today's episode tackles Title Splits.You buy a freehold block of flats under one title.You then split the titles up so that the aggregate value of each individual flat creates an uplift in the overall total value. Max Scott has been doing this for many years.Our WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupIn this episode, we discuss:What is Title Splitting in UK Property InvestingHow Title Splitting Adds Value to UK Real EstateFreehold vs Leasehold Explained for UK PropertyFinding Blocks of Flats on Rightmove and OnTheMarketStep-by-Step Guide to Title Splitting PropertyChecking Utilities and Metering for UK FlatsMinimum Flat Size for UK Mortgage LendingUsing Lease Plans for UK Title SplitsStructuring Limited Companies for UK Property SplitsStamp Duty Rules for Related Entity TransfersLending Challenges with UK Title SplitsConcentration Risk for Multiple UK FlatsValue Uplift from Title Splitting in the UKWhen Title Splitting Works Best in Affluent AreasTitle Splitting in High vs Low Yield UK AreasCommercial Valuation for Freehold Blocks in UKImpact of Multi-Dwellings Relief Removal in UKImportance of Mortgage Broker with UK Title SplitAvoiding Double Stamp Duty in UK Property DealsTips for Sourcing Title Split Opportunities in UK PropertyKeywordsUK property podcast, Expat property investment, Title splitting UK property, Buying blocks of flats UK, Leasehold and freehold explained, UK property strategies for expats, Remote property investing UK, Auction property UK, Mortgage advice UK property, Limited company property investing, Group structure property investment, Property lending and financing UK, Stamp duty UK property, Commercial valuation UK, Investment blocks of flats, Adding value without refurbishment, Finding blocks of flats UK, Metered flats UK, Property portfolio management UK, Minimum flat size for lenders UK, Property due diligence checklist, Multi-dwellings relief UK, Concentration risk property lending, Buy-to-let investment UK, Selling leasehold flats UK, Property Engine UK, OnTheMarket blocks of flats, WhatsApp groups for expat investors, Podcast for UK property investors, Maximizing value UK property

This is my second conversation with Josh Kushner, founder and managing partner of Thrive Capital. I recorded this conversation in October after publishing the Colossus cover story about him and Thrive. Given the overwhelming response, we created some breathing room before releasing it. Josh started Thrive in 2011. The firm now manages approximately $50 billion with a very small investment team. What makes Thrive different is how concentrated they are and how involved they get with their portfolio companies. We cover the iconic investments that defined Thrive: Instagram, Stripe, GitHub, and spend a lot of time on OpenAI. Josh explains how Thrive thinks about investing today and the three categories they're currently focused on. Josh also talks about building the firm, why they keep the team small, and what he's learned from A24 about enabling artists to do their best work. He shares personal stories that shaped him, including his grandmother's experience surviving the Holocaust, and lessons from Stan Druckenmiller, Jon Winkelried, and others at formative moments in Thrive's history. Please enjoy my great conversation with Josh Kushner. For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠.  ----- Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at ⁠colossus.com/subscribe⁠. ----- ⁠Ramp's⁠ mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠ramp.com/invest⁠⁠ to sign up for free and get a $250 welcome bonus. ----- Trusted by thousands of businesses, ⁠Vanta⁠ continuously monitors your security posture and streamlines audits so you can win enterprise deals and build customer trust without the traditional overhead. Visit ⁠vanta.com/invest⁠.  ----- ⁠WorkOS⁠ is a developer platform that enables SaaS companies to quickly add enterprise features to their applications. Visit⁠⁠ ⁠WorkOS.com⁠⁠⁠ to transform your application into an enterprise-ready solution in minutes, not months. ----- ⁠Rogo⁠ is an AI-powered platform that automates accounts payable workflows, enabling finance teams to process invoices faster and with greater accuracy. Learn more at ⁠Rogo.ai/invest⁠. ----- ⁠Ridgeline⁠ has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Visit⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ridgelineapps.com⁠. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Timestamps: (00:00:00) Welcome to Invest Like the Best (00:02:43) Intro: Josh Kushner (00:03:46) How Thrive Has Changed Since 2023 (00:05:18) Thrive's Entrepreneurial Culture (00:12:22) The Power of Small Teams (00:13:35) Sponsors (00:14:35) Concentration as Differentiation (00:16:16) The Github Deal (00:18:08) Lesson from Stan Druckenmiller (00:20:37) Leading Stripe's $50 Billion Round (00:23:16) Instagram: Doubling an Investment in Days (00:25:43) Isomorphic: Thrive as an Enabling Technology (00:27:04) Thrive & A24 (00:28:19) OpenAI: The Product Josh Couldn't Unsee (00:32:09) Pricing the OpenAI Investment (00:33:40) OpenAI and Power (00:35:26) Finding Joy in Hard Work (00:39:15) Inside View of the Tech & AI Landscape (00:42:28) Three Investment Categories Thrive is Focused On (00:44:37) Thrive Holdings: Inside-Out Disruption (00:48:54) Competition in Venture (00:50:49) Sponsors (00:51:48) Thrive's Immutable Values (00:54:21) A Family Story of Survival (00:56:43) The American Dream (00:58:03) What Artists Can Teach Investors (01:00:26) Never Compromise Your Values (01:01:33) The Story Behind Josh's Forever Watch

Scott Wapner and the Investment Committee debate whether Big Tech stocks are turning around and how you should trade them. Plus, the Committee shares their latest portfolio moves. And later, we hit the latest Calls of the Day.  Investment Committee Disclosures Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

 In this talk, we explore Vedana (feeling) as a key mental factor in Buddhist meditation and daily life. The teacher explains how feelings arise as pleasant, unpleasant, neutral, and how they are classified in different ways in the teachings of the Buddha. By learning to observe feelings with mindfulness, listeners discover how to prevent craving and aversion, understand impermanence, and break the cycle of suffering through Satipatthana Vipassana practice. YouTube Video LinkYouTube Channel Link Website:www.satipatthana.caDonations and Memberships

Vous manquez d'énergie ?Votre motivation fait le yoyo ?Vous vous sentez drainé par la charge mentale, les relations ou l'overdose d'informations ?Je vous partage une approche concrète pour protéger, gérer et amplifier votre énergie dans un monde qui en demande toujours plus.On parle souvent de gestion du temps. Mais la vraie ressource rare, ce n'est pas le temps. C'est l'état dans lequel vous l'utilisez.Vous allez découvrir :✔️ Pourquoi votre problème n'est pas la discipline ni la volonté✔️ Les 3 jauges essentielles pour bien gérer son énergie✔️ Comment gérer votre énergie selon votre profil de personnalité✔️ Comment éviter les fuites d'énergie au quotidien✔️ Mes habitudes, routines, règles et protocole pour gérer mon énergieJe vous explique aussi comment je gère mon énergie personnelle (Flow périodique + Tasker Métal), mes cycles de travail, mes sprints, mes phases de récupération et mes règles non négociables.Si vous êtes entrepreneur, multipotentiel, atypique ou simplement fatigué de vous forcer contre votre nature… ça peut changer votre manière de travailler.• Diagnostic Flowtasking (identifier votre profil énergétique) : https://www.flowtasking.fr/diagnostic6m95temj• Programme Energy Flow : https://www.flowtasking.fr/energy-flow• Comment vous protéger des vampires énergétiques : https://www.youtube.com/watch?v=kXGPmKO-yB0

When equity markets grow concentrated and expensive, the real risk isn't volatility — it's failing to diversify before the cycle turns. For years, global real estate has sat in what Pierre Daillie calls “the penalty box” — weighed down by rising rates, skepticism, and falling valuations. Yet beneath the headlines, fundamentals never broke. In this episode of Insight Is Capital, Pierre sits down with Dennis Mitchell, CEO and CIO of Starlight Capital, to unpack why global real estate may be one of the most misunderstood — and potentially asymmetric — opportunities in today's market. Mitchell argues that the most important change in global real estate “has nothing to do with global real estate.” Instead, it's about opportunity cost. With the S&P 500 trading north of 24x earnings and the “Mag 7” representing more than 30% of the index, investors face rising concentration risk — amplified by passive flows. Meanwhile, publicly traded REITs in North America have traded at discounts of up to 30% to net asset value, even as supply-demand fundamentals strengthen across key sectors like seniors housing, data centers, industrial, and cell towers. Mitchell breaks down real estate returns into three drivers — yield, growth, and multiple expansion — and explains why today's combination of 4–6% yields, 3–7% internal growth, and potential mean reversion creates a compelling setup. From demographic tailwinds in seniors housing to AI-driven infrastructure demand for data centers and towers, this conversation reframes real estate not as a rate-sensitive trade — but as a disciplined, supply-demand story hiding in plain sight.

You've been told index funds are safe — and they are. But what if your “diversified” portfolio is more concentrated than you realize? In this episode, Certified Financial Planner Mike Morton and Five Minute Finance host Matt Robison unpack how market-cap weighting has quietly increased risk inside popular index funds, why mega-cap stocks dominate your portfolio, and what simple adjustments (not panic moves) can strengthen your diversification.Find out more about Mike at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/

 In this talk, we explore the Buddhist teaching of Anattā (non-self) as it appears in everyday life. Through simple examples like eating, seeing, aging, and thinking, the speaker explains how mind and body function through cause and effect rather than a permanent “self” or soul. Listeners are encouraged to observe daily experiences mindfully to develop a direct, experiential understanding of non-self and deepen their meditation practice. YouTube Video LinkYouTube Channel Link Website:www.satipatthana.caDonations and Memberships

Une vibration. Un son. Un petit signal lumineux sur ton écran.Et hop… ton système nerveux se met en alerte.Dans cette Minute Marine, je te parle de notifications, de stress et de ce fameux “tigre à dents de sabre” qui se cache parfois derrière un simple signal.Pas sous l'angle de la concentration cette fois, mais sous celui de l'état d'alerte permanent dans lequel on vit quand on est entrepreneur.Et toi, est-ce que tes notifications nourrissent ton stress… ou est-ce que tu as réussi à les apprivoiser ?(Pour me répondre, envoie-moi un mp sur Linkedin

Stay Connected With UsWebsite: anchorfaith.comAnchor Faith Church Facebook: www.facebook.com/anchorfaithAnchor Faith Church Instagram: www.instagram.com/anchorfaithPastor Earl Glisson Facebook: www.facebook.com/earlwglissonPastor Earl Glisson Instagram: www.instagram.com/earlglisson

A screencast from Chapter 11 in CH 222 entitled “Colligative Concentration Units”

 In this talk, we explore the forty types of supramundane (lokuttara) consciousness and how they arise through insight meditation. The teacher explains the relationship between jhāna, path consciousness, and fruition consciousness, showing how different meditation approaches can lead to the same stages of awakening. By understanding these mental processes, listeners gain insight into non-self (anattā) and learn how Buddhist psychology supports deep mindfulness and spiritual development. YouTube Video LinkYouTube Channel Link Website:www.satipatthana.caDonations and Memberships

In this expansive episode of Hidden Wisdom, Meghan Farner is joined by returning guest Phil McLemore for a deep, practical teaching on meditation as the highest form of prayer. Phil presents meditation as an ancient practice of awareness, union with God, and transformation.Together, they explore the difference between mindfulness and transcendental (yoga) meditation, why stillness is essential for spiritual perception, and how meditation aligns with Jesus' own teachings on prayer, the inner kingdom, and becoming “one” with God. Phil offers step-by-step guidance on posture, breath, mantra, handling distractions, and receiving meditation as a feminine, receptive flow of grace rather than a forced effort.This episode also addresses common fears around meditation, ego resistance, spiritual ego, emotional release, and discernment—grounding the practice firmly in Christ-centered theology, embodiment, and character transformation. For anyone seeking a deeper experience of God, inner healing, and true at-one-ment, this episode serves as both teaching and invitation.00:00 | Introduction & why meditation matters for spiritual growth03:00 | Phil's background & discovering meditation through pain06:10 | Meditation as prayer, not self-improvement07:20 | God in the present moment & spiritual awareness09:00 | Mindfulness vs transcendental (God-centered) meditation12:50 | Jesus' model of prayer & the Aramaic meaning of “pray”16:30 | Awareness of awareness & inner stillness19:00 | Yoga, atonement, and union with God23:00 | Still mind, pure heart, and scriptural foundations29:40 | Preparing for meditation: time, place, posture34:00 | Harmonizing the body & devotional intent43:10 | “Don't pray to God—pray in God”46:20 | Breath as the gateway to Spirit52:35 | Diaphragmatic breathing & nervous system safety56:00 | Mantra meditation & examples (“Be Still,” “Peace, Be Still”)01:05:30 | Handling intrusive thoughts & ego resistance01:11:50 | Concentration vs meditation: receiving grace01:15:40 | Oneness, transformation, and Christ-consciousness01:23:30 | Obstacles, emotional release, and patience01:31:30 | Discernment, symbolism, and avoiding spiritual ego01:33:30 | Character transformation as the true fruit01:37:15 | Closing reflections & invitation to practice Join the Contemplative Prayer + Meditation Q&A with Meghan and Phil McLemore, on February 16th at 7pm MT. Register here! Hidden Wisdom initiates truth-seekers into the Mysteries, guiding listeners toward a lived experience of the Divine that awakens and transforms faith—without dismantling family or community. Pursue your Journey: ✨ Hidden Wisdom App – Coming Spring 2026! Pathway programs, community, library, events and more! Join the waitlist for updates, sneak peeks, and discounts!

In this special archive episode of With Flying Colors, Mark Treichel is joined by Steve Farr and Todd Miller — both former NCUA leaders — to revisit a foundational topic that continues to shape credit union supervision today: risk appetite, risk culture, and concentration risk.While regulators often emphasize capital levels, history shows that capital alone cannot offset poor risk governance. This conversation explores why concentration risk continues to challenge institutions — even those that appear well capitalized.Drawing on decades of regulatory experience, the team walks through the core components of a modern risk management framework and discusses how boards should think about oversight in today's environment.What We Cover

In this episode of Excess Returns, we sit down with Bloomberg Opinion columnist Nir Kaissar for a wide-ranging conversation on markets, AI, interest rates, private credit, small caps, and the risks investors may be underestimating. Nir shares his unexpected predictions for 2026, challenges the consensus on Fed rate cuts, explains why high profitability may be putting a floor under valuations, and offers a thoughtful framework for thinking about AI, concentration risk, and the future of public versus private markets. This is a deep dive into today's most important investing debates, grounded in history and focused on what may come next.Topics CoveredNir's unexpected predictions for 2026 and why mass adoption of autonomous vehicles may arrive faster than investors expectWhy the consensus on lower interest rates in 2026 may be wrong and what the two year Treasury yield is signalingThe impact of tariffs, affordability pressures, and corporate margins on inflationWhy high corporate profitability may support elevated stock market valuations even if returns slowThe role of earnings growth in driving S&P 500 returns and why 2015 to 2024 may not repeatIs AI more like 1995 or 1999 in the internet cycle and what that means for long term investorsThe convergence of big tech companies around AI and the risks of a more zero sum competitive landscapeWhy companies staying private longer could hurt retail investors and distort public market indicesConcentration risk in the S&P 500 and what it means for long term portfolio constructionOpportunities and risks in small cap stocks, including the importance of quality screensThe growth of private credit markets and the hidden risks investors may not seeWhy Treasuries may still be the cleanest shirt in the laundry during a crisisLessons from 20 years of running strategies and what Nir has changed his mind aboutTimestamps00:00 Nir's 2026 predictions and the rise of Waymo05:00 Interest rates, Trump, and the outlook for Fed policy08:40 Tariffs, inflation, and corporate margins12:00 Valuations, profitability, and future S&P 500 returns16:00 AI compared to the internet era and long term investing lessons19:00 Public versus private markets and regulatory concerns32:00 Concentration risk and the Magnificent Seven39:00 Small caps, quality screens, and value opportunities47:00 Private credit risks and default cycles54:30 Nir's investment philosophy and 20 year lessons

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

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Delaney Nolan on the town of Modeste and a new giant industrial park planned for the area. [...] Read More... from A town on the brink of extinction: Modeste is facing an acute concentration of industry as a proposed new development threatens to engulf it The post A town on the brink of extinction: Modeste is facing an acute concentration of industry as a proposed new development threatens to engulf it appeared first on The Lens.

(Spirit Rock Meditation Center)

The Gemara in Masechet Shabbat (119) teaches that responding "Yeheh Shemeh Rabba" to Kaddish "with all one's strength" has the power to annul harsh decrees. According to some versions of this passage, even if a decree of seventy years of suffering was issued against a person, he can have the decree repealed by answering "Yeheh Shemeh Rabba" with all his "strength." The common understanding of this expression – "with all one's strength" – is that it refers to full Kavana (concentration). Answering to Kaddish with concentration, focusing on the meaning of the words, has the power to annul harsh decrees. People often look for effective "Segulot," especially when they are dealing with some kind of problem or crisis, or when they have an important court case or business deal. Unfortunately, they generally overlook what might be the most obvious and most well-documented "Segula" of all – responding to Kaddish with full concentration. No matter what harsh punishment has been decreed against a person, he has the opportunity to have it annulled by responding to Kaddish properly. People who talk during Kaddish need to remember that they can gain far more by concentrating during Kaddish than they do with any conversation they have with their fellow. The "return on investment" for properly concentrating during Kaddish is far greater than we could ever imagine. The Yeser Ha'ra (evil inclination), knowing the great benefits of concentrating on Kaddish, lures a person to disregard Kaddish, and to engage in conversation instead of listening and responding properly. But speaking during Kaddish – even words of Torah! – is strictly forbidden by Halacha, and by doing so, one forfeits the immense rewards that this special prayer offers, and becomes liable to punishment, Heaven forbid. The Bet Yosef brings the story of Rabbi Hama who saw Eliyahu Ha'nabi leading thousands of camels loaded with "anger and wrath," and Eliyahu said that all this anger is for those who engage in conversation during the recitation of Kaddish. And the Kaf Ha'haim (Rav Yaakob Haim Sofer, Baghdad-Jerusalem, 1870-1939) cites the Mateh Moshe as relating that a certain Torah scholar had a student who died young, and the student appeared to him in a dream, with an unseemly mark on his forehead. The student explained that this mark was his punishment for speaking during Kaddish. One should not fold his Tallit or Tefillin, or engage in other activity, during the recitation of Kaddish, so that he can fully concentrate on the words. This applies to all the Kaddish recitations – the Kaddishim recited during the prayer service, the Kaddish recited after Torah learning, the Kaddish recited at an Arayat, and so on. Rav Yisrael Bitan cites an opinion that this applies only when one responds, "Yeheh Shemeh Rabba," though Rav Bitan disagrees, and maintains that this is forbidden even while listening to Kaddish. He adds, however, that this is forbidden only through "Da'amiran Be'alma," which is the essential Kaddish. During the remainder of Kaddish, which is a later addition to Kaddish, it is permissible to engage in other activities. If someone fell behind during the prayers, and needs to complete the previous prayer during Kaddish, he should do so only after "Da'amiran Be'alma." Until that point, he should remain silent and respond to the Kaddish. Rav Bitan cites this ruling from the Mishna Berura.

(Spirit Rock Meditation Center)

(Spirit Rock Meditation Center)

In this episode of Talking Real Money, Don and Tom dig into the Washington State pension system's heavy exposure to private equity, sparked by Jason Zweig's Wall Street Journal reporting and a Seattle Times investigation. They explain why high fees, opaque valuations, and lack of liquidity make private equity especially dangerous for public retirement funds—and why Washington leads the nation in risk. The conversation expands to compare pension strategies across states, question governance and oversight, and warn retirees about the real-world consequences of excessive risk. Later, the hosts respond to a listener trapped in a high-fee, actively managed portfolio and variable annuity, illustrating how costs and complexity quietly erode wealth. The show wraps with practical retirement guidance inspired by Warren Buffett—simplify and protect—plus a discussion of converting mutual funds to ETFs for greater efficiency. 0:04 Show open, call-in invitation, and setup on private equity 0:32 Jason Zweig's WSJ reporting on private equity fees and markups 1:25 Washington State pension's heavy private equity exposure 3:23 Valuation and liquidity problems in private equity 4:35 Breakdown of WA pension assets (private equity + real estate) 5:18 Risks of market downturns and illiquidity 6:25 Who's overseeing the pension fund and their qualifications 7:06 Concerns for Washington retirees and contributors 8:28 Board “experts” and potential conflicts of interest 9:55 Difficulty exiting private equity investments 11:06 Questioning reported 12.3% returns vs public markets 11:59 Call for political accountability and reform 12:50 Comparison to states using mostly public index funds 13:35 Why private equity suffers most in downturns 14:22 Comparison of pension private equity exposure by state 15:58 Rebalancing and “emperor's clothes” concern 17:07 Caller Luke reacts to pension risks 18:11 Promotion of RetireMeet and retirement education 19:22 Warren Buffett's retirement advice: simplify and protect 20:28 Risk reduction and advisor role in retirement 21:26 Fiduciary standards and conflicts of interest 22:55 Emphasis on simple, protective portfolios 23:07 Caller Jane asks about high advisory fees 24:40 Discussion of “active management” risks 26:12 Review of proposed funds and red flags 29:57 Analysis of high-fee, high-turnover portfolio 30:57 Concentration and volatility concerns 32:16 Variable annuity warning signs 33:37 Commission conflicts and surrender charges 33:57 Recommendation to change advisors 34:56 Recap of excessive fees and risks 36:33 Importance of honest warnings vs future losses 37:48 Question on converting Vanguard mutual funds to ETFs 38:52 Advantages of ETFs: cost, tax efficiency, liquidity Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Read Montague, PhD, is a professor and director of the Center for Human Neuroscience Research at Virginia Tech and an expert in how dopamine and serotonin shape human learning, motivation and decision-making. We discuss how they impact focused effort in the context of short- and long-term goals of all kinds. Also, how SSRIs and low-effort, high-engagement activities reduce the rewarding properties of dopamine, and how AI algorithms are revolutionizing understanding of the brain. Episode show notes are available at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman David: https://davidprotein.com/huberman Joovv: https://joovv.com/huberman Function: https://functionhealth.com/huberman LMNT: https://drinklmnt.com/huberman Timestamps (00:00:00) Read Montague (00:02:54) Dopamine, Motivation & Learning (00:08:49) Reward Prediction Error, Expectations (00:12:24) Sponsors: David & Joovv (00:14:54) Foraging, Dating, Expectations vs Outcomes; AI (00:23:36) Dopamine, Expectation, Motivation; Forward Drive; Dopamine "Hits" (00:29:58) Baseline Dopamine & Fluctuations; Parkinson's Disease (00:34:36) Movement, Urgency; ADHD, Bee's Dance, Explorer vs Focus Mode (00:42:29) Sponsor: AG1 (00:43:40) Social Media, ADHD; Explorers vs Task-Based, Combat (00:50:54) Effort, Learning; Social Media & Phones, Resisting Behaviors (01:01:36) Serotonin & Dopamine, Opponency, SSRIs (01:11:21) Hunger, Dopamine; Negative Feedback, Learning, Trauma; Torture (01:18:34) Drugs of Abuse & High Dopamine (01:19:48) Sponsor: Function (01:21:35) Trauma & Dopamine Adaptation (01:27:34) SSRIs, Dopamine, Positive Experiences (01:29:50) Deep Brain Stimulation; Measuring Dopamine & Serotonin in Humans (01:36:16) Sleep; Divorce; Science is a Contact Sport (01:45:14) Long-Term Motivation, Learning How to Fail, Tool: Kids & Sports (01:54:14) Sponsor: LMNT (01:55:34) Meditation, Breathing, Learning; Dopamine as a Currency (02:04:38) Function of Sleep, Motivation; Time Perception & Dopamine, Tracking Time (02:13:18) LLMs, AI, Uses & Problem Solving (02:18:33) Future Projects, Commercial Brain-Machine Interfaces; Concentration (02:25:57) Dopamine "Hits"?; Depression & Schizophrenia; Quitting (02:30:17) Dopamine & Serotonin Misunderstandings; Internal Satisfaction; Motivation (02:35:58) Serotonin Syndrome; Acknowledgements (02:38:31) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

Dharma talk given Sunday, January 25, 2026.

At level 11, the Cleric stops being "the healer" and starts being "the department of cosmic corrections." Need a miracle? You've got it. Need a battlefield reorganized? Also you. Need the DM to quietly reconsider every encounter they prepped? Congratulations: you just prepared Heroes' Feast and learned that your god's job description includes "professional problem solver, part-time artillery, full-time vibe check." Welcome to Cleric 11–20, where your faith is strong, your spell list is irresponsible, and your party suddenly thinks every plan can be solved by "ask the Cleric." Show Notes Episode Overview In this episode of RPGBOT.Podcast, we break down how to build and play a D&D 5e Cleric from levels 11–20, where your character graduates from "durable support" to "divine Swiss Army catastrophe." We cover late-tier class features, high-level spell priorities, feat and gear considerations, and how to stay impactful when the game gets weird (and the monsters start having resumes). What Changes at Levels 11–20 Your spell slots get absurd: 6th–9th level spells aren't just stronger—they change what "a problem" even means. Channel Divinity becomes a resource-management minigame: It's no longer "use it when you remember." It's "use it to control the pace of encounters." Your role expands: You're still support… but also control, emergency reset button, and occasionally the party's primary win condition. Late-Tier Cleric Priorities (The "Don't Waste Your Turn" Checklist) Action economy matters more than ever: high-level combats punish "I guess I cast Cure Wounds." Concentration discipline: pick the concentration spell that wins the fight, then protect it like it owes you money. Defenses scale or you get deleted: AC, saves, and positioning keep your miracles online. High-Level Spell Picks That Define Your Cleric Rather than listing everything, we focus on categories of "spells that win sessions," and how to choose within them: Battlefield control & tempo (deny actions, reshape positioning, force bad choices) Pre-fight power (buffs that make the party feel like they're cheating) Hard counters & problem solvers (condition removal, anti-magic, planar nonsense) Clutch buttons (resets, revives, "nope" spells for when the DM smiles too confidently) Feats, Ability Scores, and "High-Level Practicality" When to cap Wisdom, when to take resilience/defensive feats, and when a utility feat is secretly the MVP. War Caster vs. Resilient (Con) (and why your table's encounter style decides this). The "I'm level 15 and still miss" problem: improving reliability via positioning, spell choice, and save targeting. Gear and Magic Items (What You Want and Why) We talk about item functions instead of shopping lists: Concentration protection Mobility and positioning Defensive layers (AC, saves, resistances) Spellcasting flexibility (extra casts, broadened options, panic buttons) Playing Cleric at Tier 4 Without Becoming a Solo Game High-level Clerics can accidentally steal the spotlight. We discuss: How to enable party hero moments while still being decisive When to solve the plot and when to support the plot How to coordinate with the DM so divine power feels epic, not adversarial Key Takeaways Tier 4 Clerics are not "healers," they're strategists. Healing keeps the party alive; control and prevention win fights. Your best turns usually aren't reactive. Preempt threats with positioning, concentration, and proactive tempo spells. Protect concentration like it's your hit points. You can lose the fight without losing HP if you drop the spell that mattered. Pick one job per encounter and do it violently well. Control, buff, counter, rescue—trying to do all of it in one round leads to "meh" turns. Your spell list is a toolbox—prep is gameplay. The difference between "good Cleric" and "legendary Cleric" is often made at dawn. Don't build only for peak moments. Tier 4 is swingy; build for reliability so you're useful even when the boss is immune to your favorite trick. You can be the party's win condition without being the party's main character. Enable your allies' big turns, then drop the miracle when it counts.  

Kevin Frazier analyzes how AI can fail like Western Union, warning that excessive concentration and lack of innovation could doom today's artificial intelligence giants just as the telegraph company declined.1955

Episode Summary: Today we are diving into a topic that affects millions of people who feel stretched too thin and overwhelmed by life. We are talking about real world tools for managing chronic stress and mental fatigue so you can regain clarity, rebuild your strength, and restore your hope. Chronic stress is not simply an inconvenience. It quietly infiltrates every area of life and disrupts sleep, relationships, thought patterns, mood, and even your sense of spiritual connection. Our goal today is to equip you with proven strategies that help you move from exhaustion to renewal so you can thrive again. When mental fatigue sets in and stress feels unending, many people assume that feeling overwhelmed is their new normal. But God offers a better way. You can experience renewed strength, restored clarity, and a calm mind even in the middle of challenging seasons. If you long for sustainable emotional wellness, Christ centered stress management tools, and practical ways to quiet your mind, this episode is for you. We want to help you step out of survival mode and experience the peace that God promises. Today we’re going to be talking about Tools for Managing Chronic Stress and Mental Fatigue. Quotables from the episode: Chronic stress affects the whole person. It impacts the body, mind, emotions, and even our sense of spiritual grounding. As a neuropsychologist, I see how the stress response system affects the brain. When people experience stress for long periods of time, the brain becomes over activated. Concentration decreases. Memory becomes foggy. Emotional regulation becomes harder. We feel more reactive and less resilient. The good news is that the brain is both adaptable and changeable. With consistent tools, we can retrain the mind and restore mental clarity. It is critical to remember that God did not design our bodies to live in chronic stress. Chronic stress is the type of ongoing stress that does not resolve quickly. It comes from situations that continue to require emotional or physical energy without enough recovery time. Chronic stress and mental fatigue are not signs of weakness. They are signs that your body and mind need care. With intentional tools and God’s help, your mind can heal, your body can recover, and your spirit can strengthen. Scripture References: Nahum 1:7 “The Lord is good, a refuge in times of trouble. He cares for those who trust in Him.” Recommended Resources: Reframing Rejection: How Looking Through a Different Lens Changes Everything By Jessica Van Roekel Sacred Scars: Resting in God’s Promise That Your Past Is Not Wasted by Dr. Michelle Bengtson The Hem of His Garment: Reaching Out To God When Pain Overwhelms by Dr. Michelle Bengtson, winner AWSA 2024 Golden Scroll Christian Living Book of the Year and the 2024 Christian Literary Awards Reader’s Choice Award in the Christian Living and Non-Fiction categories Today is Going to be a Good Day: 90 Promises from God to Start Your Day Off Right by Dr. Michelle Bengtson, AWSA Member of the Year, winner of the AWSA 2023 Inspirational Gift Book of the Year Award, the 2024 Christian Literary Awards Reader’s Choice Award in the Devotional category, the 2023 Christian Literary Awards Reader’s Choice Award in four categories, and the Christian Literary Awards Henri Award for Devotionals Breaking Anxiety’s Grip: How to Reclaim the Peace God Promises by Dr. Michelle Bengtson, winner of the AWSA 2020 Best Christian Living Book First Place, the first place winner for the Best Christian Living Book, the 2020 Carolina Christian Writer’s Conference Contest winner for nonfiction, and winner of the 2021 Christian Literary Award’s Reader’s Choice Award in all four categories for which it was nominated (Non-Fiction Victorious Living, Christian Living Day By Day, Inspirational Breaking Free and Testimonial Justified by Grace categories.) Breaking Anxiety’s Grip Free Study Guide Free PDF Resource: How to Fight Fearful/Anxious Thoughts and Win Hope Prevails: Insights from a Doctor’s Personal Journey Through Depression by Dr. Michelle Bengtson, winner of the Christian Literary Award Henri and Reader’s Choice Award Hope Prevails Bible Study by Dr. Michelle Bengtson, winner of the Christian Literary Award Reader’s Choice Award Free Webinar: Help for When You’re Feeling Blue Social Media Links for Host and Guest: Connect with Rev. Jessica Van Roekel: Website / Instagram / Facebook For more hope, stay connected with Dr. Bengtson at: Order Book Sacred Scars / Order Book The Hem of His Garment / Order Book Today is Going to be a Good Day / Order Book Breaking Anxiety’s Grip / Order Book Hope Prevails / Website / Blog / Facebook / Twitter (@DrMBengtson) / LinkedIn / Instagram / Pinterest / YouTube / Podcast on Apple Co-Host: Jessica Van Roekel is a worship leader, speaker, and writer who believes that through Jesus, personal histories don’t need to define the present or determine the future. She inspires, encourages, and equips others to look at life through the lenses of hope, trust, and God’s transforming grace. Jessica lives in rural Iowa surrounded by wide open spaces which remind her of God’s expansive love. She loves fun earrings, good coffee, and connecting with others. Hosted By: Dr. Michelle Bengtson Audio Technical Support: Ashton Bengtson Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

(Spirit Rock Meditation Center)

(Spirit Rock Meditation Center)

Welcome to Overtime with the Sports Docs. On each of these mini episodes, we chat about a new article or new surgical technique in the field of sports medicine. We'll give you our quick take on the most recent data and howthis data will impact our practice.Today, we're talking about one of the hottest topics in sports medicine — platelet rich plasma for lateral epicondylitis. If you've ever wondered why PRP seems to work great for some patients… and not at all for others — this paper gives us a compelling answer.We're reviewing an article from the January 2025 issue of AJSM titled “Platelet Concentration Explains Variability in Outcomes of Platelet-Rich Plasma for Lateral Epicondylitis.” The key takeaway from the systematic review and meta-analysis is that PRP isn't one standard treatment. The dose matters and platelet concentration may explain most of the conflicting data we've seen over the years.

Somewhere in the multiverse, a cleric just whispered "I prepared Bless," and three dice immediately rolled higher out of pure fear. Because clerics aren't "the healbot," they're the divine Swiss Army knife: buffer, debuffer, front-liner, artillery, investigator, walking lie detector, and occasionally the person who politely asks a demon to leave and the demon actually does. Today we're building clerics from levels 1–10: how to pick your domain, what to prepare, how to stop wasting actions, and how to make your table say, "Wait… clerics can do that?" Show notes Cleric identity at levels 1–10: You're a full caster with armor, a strong action economy toolkit, and some of the best "party-wide value per spell slot" in the game. Choosing a Domain (Subclass) with intent What each domain wants to do in combat (frontline, blaster, controller, support, utility). How domain spells shape your "default prep list." The hidden question: "Do I want to solve problems with my action, my bonus action, or my reaction?" Ability scores and build priorities Wisdom as your engine (save DCs, prepared spells, key features). Constitution for concentration survivability. Strength vs Dexterity depending on armor and weapon plans. Armor, weapons, and "being accidentally hard to kill" Light/medium/heavy armor considerations. Shield math and when it's worth it. Weapon use: when it's a trap, when it's correct, and how cantrips change the calculus. Cantrips that actually matter Core combat cantrips (and why "I guess I'll swing my mace" is usually a cry for help). Utility cantrips that quietly win sessions. Spell preparation that doesn't make you cry Your "always-good" staples (buffs, heals, control, utility). How to prep for unknown adventuring days without over-prepping niche tools. Concentration discipline: the real cleric skill. Channel Divinity: use it early, use it often Turning Undead and its situational dominance. Domain Channel Divinity options as mid-tier power spikes. How Channel Divinity changes your "resource rhythm" between short rests. Level-by-level power spikes (1–10) L1: Domain + armor + Bless = "party performance enhancement plan" L2: Channel Divinity arrives (and suddenly your subclass has teeth) L3: 2nd-level spells broaden your problem-solving L5: 3rd-level spells are the "cleric becomes a headline" moment L6–8: subclass features + improved survivability + cantrip/weapon upgrades L9–10: 5th-level spells and consistent encounter impact Table role: how to be a cleric without becoming the babysitter Healing as a tool, not a lifestyle. Preventing damage and ending fights faster as the "real healing." Coordinating with your party so your buffs land where they matter. Key Takeaways  Start with your cleric job description Pick one primary role and one secondary role: Support/Buffer (primary) + Controller (secondary) Frontline (primary) + Support (secondary) Blaster (primary) + Utility/Support (secondary) Most clerics get in trouble when they try to be all of these every round. Concentration is your true hit point total A cleric who keeps concentration up is a force multiplier. A cleric who drops it every other round is a very polite person wearing armor. Practical habits: Don't stack concentration spells in your head like a wishlist—pick one plan per fight. Invest in Con saves/survivability decisions early. Position like you're important (because you are). Your "default fight plan" should fit on an index card Example templates: Support opener: Concentration buff → sustain/position → emergency heal only when it flips the encounter. Control opener: Concentration control → maintain distance/cover → punish clustering. Frontline opener: Concentration buff/control → stand where enemies hate it → force bad choices. Healing is strongest when it changes the math right now In-combat healing shines when it: Prevents an ally from going down before they lose their next turn, Buys a crucial round of actions, Keeps a key damage dealer online, Or pairs with control/positioning to stop the "down-up-down" cycle. Otherwise, healing between fights (and prevention during fights) is often more efficient. Domain spells and Channel Divinity are your build's "signature moves" If you're not using your domain's unique tools regularly, you may have picked a domain whose play pattern you don't actually enjoy. Levels 1–10 clerics win by being the most consistent person at the table You don't need perfect optimization to be great—clerics reward: Reliable concentration, Smart positioning, Prepared spells that solve common problems, And knowing when to spend resources to swing an encounter. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

A measles outbreak in South Carolina is sparking intense debate over vaccination policies, religious exemptions, and vaccine efficacy.

Phil Koller studied the concentration and key man risks in a distribution business well-suited to him — and went for it.Register for the webinar:From W2 to Owner Mindset: How to Think About Your Take-Home Pay - TODAY!! - https://bit.ly/4r5RsI3Topics in Philip's interview:Preferred working in a small companyHis friend talked him into real estate, then ETAInspired by Rich Dad, Poor DadImportance of having his wife on boardPaused search due to upcoming second childBought Roman Enterprises, an automotive paint distributorInherited exactly 1 employeeDid door-to-door sales to learn marketManaged customer and supplier concentration riskDrew perseverance from grandfather's Holocaust survivalReferences and how to contact Philip:LinkedInRoman EnterprisesBen Jasper on Acquiring Minds: How to Buy a Manufacturer with $1m in Cash FlowJerod Pierce on Acquiring Minds: From SBA Loan to High 8-Figure Exit Download the New CEO's Guide to Human Resources from Aspen HR:From this page or contact jenny@aspenhr.comWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

In this feed drop from Uncapped, Jack Altman sits down with a16z co-founder Ben Horowitz to unpack the founding bet behind Andreessen Horowitz. VC should be a better product for entrepreneurs, built on real operating experience, real networks, and real support.Ben shares how he and Marc Andreessen have worked together for 30 years, how they make decisions, and what it takes to scale a venture firm without losing the edge that actually helps founders. They also dig into why boards matter, how platform teams can change what partners do day-to-day, and the difference between “heat-seeking” investing and conviction-driven company building, especially in sectors like AI and crypto.Timecodes:00:00 Introduction 01:05 Ben Horowitz & Marc Andreessen's Partnership  04:05 Building & Leading a16z  07:16 Managing High-Powered VCs  11:01 Boards, Governance & Founder Support  15:36 Platform Services & Recruiting  17:43 Scale vs. Concentration in Venture  20:57 Why Venture Can Scale  24:27 Platform Services: What Works and What Doesn't  27:50 The Real Value of Board Membership  35:38 Media, Brand & Marketing Evolution  41:32 The Future of Media & Journalism  45:30 Limits on Venture Firm Size  49:13 Winning vs. Picking Deals  53:16 The Case Against Venture Scale  55:49 Hiring Operators & Rethinking the VC ProductResources:Follow Ben on X: https://twitter.com/bhorowitzFollow Jack on X: https://twitter.com/jaltmaWatch more from Uncapped: https://www.altcap.com/ Stay Updated:If you enjoyed this episode, be sure to like, subscribe, and share with your friends!Find a16z on X: https://twitter.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zListen to the a16z Podcast on Spotify: https://open.spotify.com/show/5bC65RDvs3oxnLyqqvkUYXListen to the a16z Podcast on Apple Podcasts: https://podcasts.apple.com/us/podcast/a16z-podcast/id842818711Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Stay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover the limitless potential of The Healthy Mindset Application (App) with our exclusive Application Assess, Educate, Coach approach. Begin your journey of personal transformation through The Healthy Mindset App Podcast, featuring meditations, breathing exercises, and invaluable coaching insights. Our methodologies cultivate a growth mindset, empowering you to adopt self-coaching practices while engaging in mindfulness and resilience building. Delve into personalized 1-on-1 coaching sessions with Mike Hartman through The Healthy Mindset Coaching On Demand, focusing on goal setting and confidence enhancement. Each participant receives a tailored Audio MP3 Debriefing based on their assessment, ensuring personalized guidance every step of the way. For inquiries about 1:1 coaching or speaking engagements, please email Mike@Hartman.AcademyBook A Session https://calendly.com/coachingondemand/performancemindsetcoaching?month=2024-05Healthy Mindset For Athletes & Workplace Athletes Workbook https://www.amazon.com/Healthy-Mindset-Athletes-Workplace-Everything-ebook/dp/B0B55CFSCJ