Podcasts about Concentration

Episode Title: Rain Soundscapes Enhancing Concentration by Blocking Noise EffectivelyDescription:In this episode, we dive into the soothing world of rain soundscapes and how they can significantly boost your focus by masking distracting noises. Discover the science behind why rain sounds help sharpen concentration and create a peaceful atmosphere for work, study, or relaxation. We also share tips on incorporating these natural rhythms into your daily routine to enhance productivity and mental clarity.Take a moment to breathe, listen, and let the gentle patter of rain guide you to a calmer, more focused state of mind.Stay tuned for more calming insights in our next episode!DISCLAIMER

Episode Title: Rain Soundscapes Supporting Concentration Through Long Study HoursDescription:In this episode, we explore how rain soundscapes can enhance focus and support concentration during extended study sessions. Discover why the steady, gentle patter of rain helps drown out distractions and creates a soothing environment that boosts productivity. We also share tips on incorporating these natural sound backgrounds into your study routine to maintain calm and mental clarity for longer periods.Remember, taking breaks with calming sounds like rain can refresh your mind and improve your overall study effectiveness. Embrace these moments of peace to power through your tasks with ease.Join us next time as we continue to bring you simple ways to stay calm and relaxed in everyday life.DISCLAIMER

Is America ready for a woman president? Andrea and independent journalist Terrell Starr debate, and we want to hear where you stand. Let us know in the comments. Consider this: the two times Trump was elected president, he ran against a woman–but both of those women faced highly unusual, unprecedented elections for any candidate. In 2016, Hillary Clinton ran against a hostile foreign intelligence operation and an FBI director, James Comey, with a misogynistic track record. The FBI was successfully sued by 34 women who faced sexual descrimination as recruits, their complaints dismissed by Comey. The 2016 election wasn't politics as usual: it was an act of war–by the Kremlin and criminal negligence by Comey's abuse of power.  In 2024, Kamala Harris had a few short months to save global democracy. Again, a woman was handed a political grenade.  Will America's first woman president be Ivanka Trump?  Republicans elevate three types of women: Concentration camp Barbies like Kristi Noem, pedofile-defending child-looking brides like Karoline Leavitt, and Trump's personal favorite: the blond bombshell–like his daughter Ivanka. Trump once said he would date Ivanka if she wasn't his daughter. He told the porn star Stormy Daniels, who he had an affair with when Melania had just given birth to Barron, that Stormy reminded him of Ivanka. With Jared Kushner back in the White House, grifting and running Trump's shadow foreign policy, does that mean Ivanka is the likely candidate to break the glass ceiling by being a patriarchal blow-up doll? And how do we stop that?  Studies have shown countries led by women are more prosperous, resilient and environmentally friendly. A 2022 U.S. News Survey found that 70% of respondents believe women are better at leading countries than men. So why can't America have nice things? What will it take for us to finally elect a progressive woman president?  Want to hear Gaslit Nation ad-free? Join our community of listeners for bonus shows, exclusive Q&A sessions, our group chats, invites to live events like our Monday political salons at 4pm ET over Zoom, and more! Sign up at Patreon.com/Gaslit! Show Notes: FBI to pay $22 million to women who alleged sexual discrimination at training academy https://www.pbs.org/newshour/nation/fbi-to-pay-22-million-to-women-who-alleged-sexual-discrimination-at-training-academy Women Are Better at Leading Countries Than Men, Survey Respondents Say https://www.usnews.com/news/articles/2022-10-05/women-are-better-at-leading-countries-than-men-survey-respondents-say How Women in Power Foster National Happiness https://esthinktank.com/2025/02/10/how-womens-leadership-shapes-happier-nations/ Women and girls around the world are leading the fight against climate change https://unsdg.un.org/latest/stories/women-and-girls-leading-fight-against-climate-change Countries with more female politicians pass more ambitious climate policies, study suggests https://yaleclimateconnections.org/2019/09/countries-with-more-female-politicians-pass-more-ambitious-climate-policies-study-suggests/ Terrell Starr Substack: https://terrellstarr.substack.com/

Atul kumar Mehra was born in New Delhi, India. From early childhood he showed much interest in the power of the mind, especially after his father Mr. Raghu Nath Mehra taught him the techniques of Concentration, Yoga and Meditation. He realized he was able to perceive future events, which led him to study Numerology and Palmistry. In college he developed different talents like Poetry and Creative writing; he worked professionally in the theatre. He was also awarded as best athlete for 100 meters Sprint and Long Jump. He completed his Masters Degree in India and placed special interest in learning different languages, which would later serve him to communicate while living abroad. He worked as a model and professional actor in television commercials and series' in Venezuela. He was initiated as a Grand Master Reiki and Master Karuna Reiki. Currently, he works with Color Therapy, Holistic Healing and has extensive knowledge in Swedish and Thai therapeutic massages, Aromatherapy and Manual Lymphatic Drainage among other techniques. - www.atulnet.netBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-x-zone-radio-tv-show--1078348/support.Please note that all XZBN radio and/or television shows are Copyright © REL-MAR McConnell Meda Company, Niagara, Ontario, Canada – www.rel-mar.com. For more Episodes of this show and all shows produced, broadcasted and syndicated from REL-MAR McConell Media Company and The 'X' Zone Broadcast Network and the 'X' Zone TV Channell, visit www.xzbn.net. For programming, distribution, and syndication inquiries, email programming@xzbn.net.We are proud to announce the we have launched TWATNews.com, launched in August 2025.TWATNews.com is an independent online news platform dedicated to uncovering the truth about Donald Trump and his ongoing influence in politics, business, and society. Unlike mainstream outlets that often sanitize, soften, or ignore stories that challenge Trump and his allies, TWATNews digs deeper to deliver hard-hitting articles, investigative features, and sharp commentary that mainstream media won't touch.These are stories and articles that you will not read anywhere else.Our mission is simple: to expose corruption, lies, and authoritarian tendencies while giving voice to the perspectives and evidence that are often marginalized or buried by corporate-controlled media

Concentration is critical in the journey toward greater life success – here are three ways to improve your level of concentrating and taking steps in the right direction.  ---------- JOIN THE AOS ACADEMY – top-tier, high-impact online courses designed to catalyze your success and satisfaction in life – learn more at https://aos.academy Join host Steve Wohlenhaus on the ANATOMY OF SUCCESS podcast and dig deep into what actions you can take to find success in health, work, and relationships. Expect transparent candor and challenges that require action, all to help you define success on your own terms. CONNECT ON SOCIAL LinkedIn: https://www.linkedin.com/in/steve-wohlenhaus/ Instagram: @stevewohlenhaus / https://www.instagram.com/stevewohlenhaus/ Facebook: stevewohlenhaus / https://www.facebook.com/stevewohlenhaus TikTok: @stevewohlenhaus / https://www.tiktok.com/@stevewohlenhaus More about Steve: https://weatherology.com/steve/ Steve's real-time audio weather company: https://weatherology.com/ Catch the latest episodes or binge the podcast on Spotify, Apple Podcasts, or Amazon.

In this episode, spiritual director John Bruna talks about how bodhicitta is the foundation of the Mahayana path of Buddhism. He spends time during this teaching speaking about the benefits of great compassion that engages in actions to free all sentient beings from samsara. This episode was recorded on October 1st, 2025.Welcome to the Way of Compassion Dharma Center Podcast. Located in Carbondale, Colorado, the Way of Compassion Dharma center's primary objective is to provide programs of Buddhist studies and practices that are practical, accessible, and meet the needs of the communities we serve.  As a traditional Buddhist center, all of our teachings are offered freely. If you would like to make a donation to support the center, please visit www.wocdc.org.  May you flourish in your practice and may all beings swiftly be free of suffering.

On vit un contexte :d'instabilité politique,d'incertitude économique,de contraction du marché,et d'une saturation émotionnelle liée aux médias, aux réseaux, aux événements globaux.Et au milieu de tout ça… il y a VOUS.Vos projets.Votre énergie.Votre vision pour 2026.L'objectif de cet épisode :

Episode Title: Rain Soundscapes Improve My Concentration and Reduce Distractions at WorkDescription:In this episode, we dive into how rain soundscapes can boost focus and minimize distractions during work hours. Discover why many find the gentle patter of rain to be the perfect backdrop for productivity and mental clarity. We'll share tips on using rain sounds effectively to create a calming work environment, helping you stay on task and reduce stress throughout your day.Take a moment to breathe and let the soothing rhythm of rain guide you toward better concentration and peace at work.Join us next time for more ways to bring calm and relaxation into your daily life.DISCLAIMER

Depuis quelques années, on entend régulièrement que TikTok a un impact négatif sur les gens qui l'utilisent. Au début, je pensais que tout ce que l'on entendait était vrai parce que cela semblait logique. Puis j'ai commencé mes recherches et je me suis finalement rendu compte que TikTok avait un impact sur nous, mais pas ceux que nous croyons. Si tu as aimé cet épisode, tu peux t'abonner pour ne pas louper les prochains et laisser 5 étoiles pour me soutenir ⭐Si tu veux m'écrire à propos du podcast : robin.tyonnel@gmail.com

For many owners, private equity feels like a black box: a buyer shows up with a multiple, some debt, and a term sheet, and it is hard to tell whether you are getting a fair shake or being set up for a painful re-trade later.  In this Inside the Mind of an Acquirer episode of Built to Sell Radio, John Warrillow sits down with Speyside Equity managing director Eric Wiklendt.

Episode Title: Rain Sounds for Working: Create My Perfect Concentration SpaceDescription:In this episode, we dive into how the gentle sound of rain can help build an ideal environment for focus and productivity. Discover why rain sounds are a popular choice for creating a distraction-free workspace and how they can improve your concentration. We also share tips on incorporating these soothing sounds into your daily work routine to stay calm, centered, and efficient.Take a moment to surround yourself with the peaceful ambiance of rainfall, and transform your work time into a refreshing, focused experience.Join us next time as we continue exploring simple ways to bring calm and relaxation into everyday life.DISCLAIMER

Il reste un mois avant la fin de 2025, et tout peut se passer maintenant.Je sais que beaucoup se projettent déjà en 2026, mais il est essentiel de "surfer le flow" de ce mois de transition et de célébration pour bien terminer l'année.

Robyn Rix, President of the Pilates Association Australia, joins Daniela DeFabio to trace Pilates back to Joseph Pilates and his early work in “Contrology,” then translates that history into clear, usable principles for listeners. Robyn explains the six commonly taught Pilates principles — Concentration, Control, Centering (the “powerhouse”), Precision, Breath and Flow — and shows how they interrelate: control and precision enable flow, while breath underpins stability and movement quality. Her framing helps demystify the method, positioning Pilates as a holistic system that trains muscular control, spinal mobility and mindful movement rather than a single “core” exercise or trendy workout. The conversation then moves through practical studio realities: the difference between Mat, Reformer and full studio apparatus, the distinctions between Classical and Contemporary approaches, and why mat work is often best earned later in a progression. Robyn emphasises the value of hands-on teaching, the 3D view instructors use when coaching clients, and the subtleties of tactile cueing and breath coaching that simply don't translate well to low-quality online or large-group formats. She also outlines what a proper Pilates qualification entails (extensive contact hours, observed teaching and progression/regression skills) and why collaboration with allied health professionals strengthens client outcomes. Finally, Robyn offers a listener's checklist for choosing the right Pilates experience: start with an initial health assessment, prioritise studios where instructors circulate and individualise cueing, expect breath to be cued and safety to be explained, and favour small or private formats for those with pathology. She warns of red flags — loud, dominant music, no initial assessment, scripted front-of-room demonstration without individual correction — and closes with an encouraging message: commit to consistent, well-guided practice, seek qualified teachers, and view Pilates as a progressive pathway toward better movement and long-term resilience. PAA Course Competency Criteria standardsVisit the PAA website Find us on Facebook Join the PAA Member Forum (Members only)Find us on InstagramEmail us at support@pilates.org.au

Le fondateur de la start-up industrielle française nous explique le fonctionnement de sa technologie qui permet de stocker du carbone pendant une très longue période. Mention légales : Vos données de connexion, dont votre adresse IP, sont traités par Radio Classique, responsable de traitement, sur la base de son intérêt légitime, par l'intermédiaire de son sous-traitant Ausha, à des fins de réalisation de statistiques agréées et de lutte contre la fraude. Ces données sont supprimées en temps réel pour la finalité statistique et sous cinq mois à compter de la collecte à des fins de lutte contre la fraude. Pour plus d'informations sur les traitements réalisés par Radio Classique et exercer vos droits, consultez notre Politique de confidentialité.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Welcome to the first episode of the Why Pilates Podcast — a clear, practical introduction to the Pilates method with Lisa Jackson (PAA Education Officer). Learn what Pilates really is (and isn't), discover the six core principles that make it powerful, and get simple, real-world tips to start moving smarter — not harder. In this introductory episode Lisa Jackson explains the true spirit of Pilates — a century-old movement system created by Joseph Pilates that combines breath, alignment and mindful control to restore resilient, functional movement. Lisa busts common myths (social-media Pilates vs the method), walks listeners through the six core principles — concentration, control, centering, precision, breath and flow — and gives practical guidance for getting the best results: work with a qualified teacher, start small, be consistent, and listen to your body. This episode closes with what to expect from the series and a preview that Robyn Rix, PAA President, will join in the next episode. Key takeawaysPilates is a whole-body movement method rooted in breath, alignment and control — not just flashy Reformer moves or fitness trends. The six core Pilates principles: Concentration, Control, Centering, Precision, Breath, Flow — master these and the exercises deliver real, lasting results. Quality over quantity: precision and intent trump speed and repetition — “start small and start smart.”Recovery and variety matter — training every day at high intensity is not the answer; listen to your body.PAA Course Competency Criteria standardsVisit the PAA website Find us on Facebook Join the PAA Member Forum (Members only)Find us on InstagramEmail us at support@pilates.org.au

Settle into a long, distraction-free study session with 3 hours of brown noise. This steady, low-frequency sound creates a warm audio blanket that helps you stay focused, block out background noise, and stay locked in while reading, studying, or getting into your work flow. Stream Calming White Noise on your TV!

What if narrowing your attention could make your daily life feel wider, calmer, and more vivid? We dive into the practical craft of concentration and show how a single, steady focus becomes the quiet engine behind reliable mindfulness. Rather than forcing the mind, we build a friendly runway—gladdening the mind with gratitude and warmth—so attention settles without strain and the nervous system knows it is safe to rest.We walk through concrete anchors that meet different temperaments: counting exhales in simple cycles, sensing breath at the belly or nostrils, receiving whatever sound arrives, or repeating short phrases of loving kindness. You'll hear why long stretches of silence matter during counting, how to restart at one without self-judgment, and what “relaxed steadiness” feels like when you're doing it right. Along the way, we unpack clear metaphors: the adjustable flashlight that moves from wide-open awareness to a narrow beam, the body scan as a midpoint on the spectrum, and breath mindfulness as a flexible practice that can widen for strong emotions before returning to the anchor.By the end, you'll understand when to choose pure concentration, when to lean into broader mindfulness, and how both interlock to create durable presence. Expect grounded tips on posture, effort, and self-talk, plus a compassionate take on distraction that turns each lapse into a cue to return. If you've struggled to keep attention from slipping, this conversation offers a simple blueprint you can use today to stabilize focus and carry that clarity into work, relationships, and rest.If this resonates, follow the show, share it with a friend who's building a practice, and leave a quick review—tell us which anchor worked best for you and why.Support the showCoupon code and the link are down below, but that will expire shortlyFeel free to text me at 415-939-1126 Certify To Teach Mindfulness & Meditation Since 2015, we've trained over 2,000 people to teach mindfulness in healthcare, business, education, yoga, sports teams, and the U.S. Government. ⁠⁠⁠⁠MindfulnessExercises.com/certify⁠⁠⁠⁠ Certify At Your Own Pace: Just complete 40 hours of self-paced meditation + online workbook completion with lifetime access to personalized support. Deepen Your Own Mindful Presence: Whatever your starting place is, we will help you deepen your own embodied, experiential understanding. Teach With Integrity & Authenticity: We help you find your unique voice to make mindfulness relevant and practical for your own students or clients. Receive International Accreditation: Trusted by Fortune 500 companies, international healthcare centers, coaching schools, and the U.S. Government. Boost Your Career: Use our templates to quickly form your own paid mindfulness courses, workshops, keynotes or coaching packages. 20% BLACK FRIDAY COUPON CODE: PODCAST

Last time we spoke about the Changkufeng Incident. In a frost-bitten dawn along the Chaun and Tumen rivers, a border notched with memory becomes the stage for a quiet duel of will. On one side, Japanese officers led by Inada Masazum study maps, mud, and the hill known as Changkufeng, weighing ground it offers and the risk of war. They glimpse a prize, high ground that could shield lines to Korea—yet they sense peril in every ridge, every scent of winter wind. Across the line, Soviet forces tighten their grip on the crest, their eyes fixed on the same hill, their tents and vehicles creeping closer to the border. The air hums with cautious diplomacy: Moscow's orders pulse through Seoul and Harbin, urging restraint, probing, deterring, but never inviting full-scale conflict. Yet every patrol, every reconnaissance, seems to tilt the balance toward escalation.   #177 The point of no return for the USSR and Japan Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. Days passed and the local emissaries had not been released by the Russians. Domei reported from Seoul that the authorities were growing worried; the "brazen" actions of Soviet front-line forces infuriated the Manchurians and Japanese. From Seoul, too, came ominous news that villagers were preparing to evacuate because they feared fighting would soon begin in the Changkufeng area. While diplomatic activity continued in Moscow without effect, the Tokyo press continued to report intense military activity throughout the Soviet Far East—the greatest massing of troops in months, with planes, armored cars, and motorized equipment choking the Trans-Siberian railway. The press was dominated by commentary about the danger of war. One enterprising Tokyo publisher ran advertisements under the heading: "The Manchukuo-Soviet Border Situation Is Urgent—Ours Is the Only Detailed Map of the Soviet Far East: Newspaper-size, in seven clear colors, offset printed, only 50 sen." Although the Manchukuoan foreign office issued a statement on 20 July about the dire consequences the Soviets were inviting, it is probable that the next Russian actions, of a conciliatory nature, were reached independently. Either Moscow had taken almost a week to make the decision, or the diplomatic conversations there had had an effect. Local Japanese authorities reported inactivity on the Changkufeng front from the morning of 23 July. On the next day, word was received that the USSR proposed to return the two emissaries as "trespassers." At midday on 26 July, the Russians released the blindfolded agents at a border site along the Novokievsk road. After completing the formalities, the Japanese asked the Russians for a reply concerning local settlement of the incident. According to Japanese sources, the "flustered" Colonel Grebennik answered: "My assignment today was merely to turn over the envoys. As for any request about the Changkufeng Incident, our guard commander must have asked for instructions from the central government. I think this is the type of matter which must be answered by the authorities at Moscow through diplomatic channels." Grebennik's postwar recollection does not differ appreciably from the Japanese version. Soviet sources mention a second effort by the Japanese military to deliver a message under more forceful circumstances. On 23 July a Soviet border unit drove off a four-man party. Russian cavalry, sent to investigate, discovered that the Japanese had pulled down a telegraph pole, severed lines 100–150 meters inside Soviet territory, absconded with wire, and left behind a white flag and a letter. Undated, unsigned, and written in Korean, the message struck Grebennik as being substantively the same as the communication delivered formally by the emissaries on 18 July. Japanese materials make no reference to a second, informal effort by local forces, but there is little reason to doubt that such an attempt, perhaps unauthorized, was made. Although Japanese efforts at low-level negotiations came to naught, two observations emerged from the local authorities and the press. First, on-the-spot negotiations had broken down; it had been difficult even to reclaim the emissaries, and the Russians in the Posyet region were using various pretexts to refer matters to diplomatic echelons. Second, the Russians had released the men. Some interpreted this as the first evidence of Soviet sincerity; possibly, the USSR would even return Matsushima's body as a step toward settlement. Other Japanese observers on the scene warned the public that it was imperative to stay on guard: "All depends on how diplomacy proceeds and how the front-line troops behave." Yet the excitement in the Japanese press began to abate. It is difficult to ascertain the nature of the decision-making process on the Russian side after the Japanese attempted local negotiations. The Soviets contend that nothing special had been undertaken before the Japanese provoked matters at the end of July. Grebennik, however, admits that after receiving the two Japanese communications, "we started to prepare against an attack on us in the Lake Khasan area." He and a group of officers went to Changkufeng Hill and sent as many border guards there as possible. Although he personally observed Japanese troops and instructed his officers to do the same, he denied categorically that the Russians constructed trenches and fortifications. Only the observation of Manchurian territory was intensified while instructions were awaited from higher headquarters. For its part, the Korea Army was carrying out Imperial general headquarters first instructions while pursuing a wait-and-see policy. On 16 July, Korea Army Headquarters wired an important operations order to Suetaka. With a view toward a possible attack against intruders in the Khasan area, the army planned to make preparations. The division commander was to alert stipulated units for emergency dispatch and send key personnel to the Kyonghun sector to undertake preparations for an attack. Lt. Col. Senda Sadasue, BGU commander of the 76th Infantry Regiment, was to reconnoiter, reinforce nearby districts, and be ready for emergencies. Particular care was enjoined not to irritate the Soviet side. Maj. Gen. Yokoyama Shinpei, the Hunchun garrison commander, was to maintain close contact with the BGU and take every precaution in guarding the frontiers. Like Senda, Yokoyama was warned against irritating the Russians. Korea Army Headquarters also dispatched staff to the front and had them begin preparations, envisaging an offensive. Upon receipt of the army order, Suetaka issued implementing instructions from his Nanam headquarters at 4:30 A.M. on the 17th. The following units were to prepare for immediate alert: the 38th Infantry Brigade Headquarters, 75th Infantry Regiment, 27th Cavalry Regiment, 5th Antiaircraft Regiment, and 19th Engineer Regiment. The same instructions applied to the next units, except that elements organic to the division were designated: the 76th Infantry Regiment, 25th Mountain Artillery Regiment, and 15th Heavy Field Artillery Regiment. Another order enjoined utmost care not to irritate the Russians; Japanese actions were to be masked. Next came a directive to the forces of Senda and K. Sato. The former comprised mainly the 76th Infantry BGU and a cavalry platoon. The latter was built around the 75th Infantry Regiment, the Kucheng garrison unit, another cavalry platoon, two mountain artillery and one heavy field artillery battalion, and the 19th Engineers. Suetaka's idea about a solution to the border troubles had become concrete and aggressive. From the night of July 17, concentration would be accomplished gradually. The exact timing of the attack would be determined by subsequent orders; in Senda's area, there was no such restriction regarding "counteraction brought on by enemy attack." Division signal and intendant officers would conduct reconnaissance related to communications, billeting, food, and supplies. Sato and his subordinates were to reconnoiter personally. Having ordered the division to begin concentration and to stand by, Korea Army Headquarters was prepared the next morning, July 17, to direct the movement. Nevertheless, there was concern in Seoul that Suetaka's advance elements might cross the Tumen River into Manchurian territory, which could result in a clash with Soviet troops. Such an outcome might run counter to the principle established by Imperial general headquarters. Consequently, it was decided that "movement east of the river would therefore have to be forbidden in the Korea Army's implementing order." Nakamura transmitted his operational instructions to Suetaka at 6:00 on July 17: "No great change in latest situation around Lake Khasan. Soviet forces are still occupying Changkufeng area. Diplomaticlevel negotiations on part of central authorities and Manchukuoan government do not appear to have progressed. Considering various circumstances and with view to preparations, this army will concentrate elements of 19th Division between Shikai, Kyonghun, Agochi." Restrictions stipulated that the division commander would transport the units by rail and motor vehicle and concentrate them in the waiting zone in secret. Movement was to begin on the night of July 17 and to be completed the next day. Further orders, however, must govern unit advance east of the Tumen as well as use of force. The remainder of the division was to stay ready to move out. Troops were to carry rations for about two weeks.   Late that day, Suetaka received an order by phone for his subordinates in line with Seoul's instructions. Senda would handle the concentration of elements assembling at Kyonghun, and Sato would do the same for the main units arriving at Agochi. A communications net was to be set up quickly. Caution was to be exercised not to undertake provocative actions against the opposite bank of the Tumen, even for reconnaissance. The division would dispatch two trains from Hoeryong and four from Nanam. At 11:58 pm on 18 July, the first train left Hoeryong for Agochi. Concentration of units was completed by dawn. By that time, the Japanese had dispatched to the border 3,236 men and 743 horses. Past midnight on 20 July, Division Chief of Staff Nakamura wired headquarters that the division was ready to take any action required, having completed the alert process by 11 pm. Japanese scouting of the Changkufeng sector began in earnest after mid-July. Although the affair had seemed amenable to settlement, Sato took steps for an emergency from around the 14th. His thoughts centered on readiness for an attack against Changkufeng, which simultaneously required reconnaissance for the assault and preparation to pull the regiment back quickly to Hoeryong if a withdrawal was ordered. After arriving at Haigan on 18 July, Sato set out with several engineers. At Kucheng, the officers donned white Korean clothing, presumably the disguise directed by the division—and boarded native oxcarts for a leisurely journey southward along the Korean bank of the Tumen across from Changkufeng. The seemingly innocent "farmers" studied the river for crossing sites and Changkufeng Hill for the extent of enemy activity. On the hill's western slope, in Manchurian territory, three rows of Russian entanglements could be observed 300 feet below the crest. Only a handful of soldiers were visible, probably a platoon, certainly not more than a company. Infantry Captain Yamada Teizo conducted secret reconnaissance of the entire Changkufeng-Hill 52 sector for 314 hours in the afternoon of 18 July. Even after intense scanning through powerful binoculars, he could detect no more than 19 lookouts and six horsemen; camouflage work had been completed that day, and there were ten separate covered trench or base points. Barbed wire, under camouflage, extended about four meters in depth, yet even Yamada's trained eye could not determine whether there was one line of stakes or two. He jotted down what he could see and compared his information with that learned from local police. Artillery Colonel R. Tanaka shared the view that the Soviets had intruded. When he went reconnoitering along the Korean bank, he observed Russian soldiers entrenched around the hilltop, easily visible through binoculars at a range of two kilometers. Trenches had been dug 20 to 30 meters below the crest on the western slope. Eventually, there were three rows of barbed wire, the first just below the trenches and the lowest 100 meters under the summit. Tanaka estimated Soviet strength at two companies (about 200 men). Suetaka's intelligence officer, Sasai, recalls seeing barbed wire after Japanese units deployed to the front on 18–19 July; he had surmised then that the entanglements were being prepared out of fear of a Japanese assault.   To obtain first-hand information, the Gaimusho ordered a section chief, Miura Kazu'ichi, to the spot. Between 23 July and the cease-fire in August, Miura collected data at Kyonghun and transmitted reports from the consulate at Hunchun. On 28 July he visited Sozan on the Korean bank. He observed Soviet soldiers on the western slopes of Changkufeng, digging trenches and driving stakes. These actions were clearly on Manchukuoan territory even according to Soviet maps. Miura insisted that he saw no friendly troops on territory claimed by the Russians and observed no provocative actions by the Japanese. These statements are supported by a map drawn for him in early August by Division Staff Officer Saito Toshio, a sketch Miura retained as late as 1947. Miura's testimony is tempered by his assertion that he saw a red flag flying near the top of Changkufeng Hill. This contention conflicts with all evidence, as Russian lawyers at the International Military Tribunal for the Far East argued, it is improbable that a Soviet frontier post, highly interested in camouflage, would have hoisted a pennon so large that it could be seen from Sozan. Russian sources are unanimous in stating that no flag was put up until 6 August and that no trenches or entanglements were established by Soviet border guards in July, at least prior to the 29th. The two Army General staff consultants, Arisue and Kotani, arrived in Seoul on 16 July, the day Korea Army Headquarters was ordering an alert for the 19th Division "with a view toward a possible attack against enemy intruders." Inada dispatched them mainly to inspect the frontline situation; but he had not fully decided on reconnaissance in force. At Shikai, Arisue and Kotani donned Korean garb and traveled by oxcart on the Korean side of the Tumen, reconnoitering opposite the Shachaofeng sector. Kotani was convinced that hostile possession of Changkufeng posed a serious threat to the Korean railway. He agreed with the division's estimate that, if the Japanese did decide to seize Changkufeng, it ought not to be too difficult. Arisue, as senior observer, dispatched messages from Kyonghun to Tokyo detailing their analysis and recommendations. Meanwhile, in Tokyo, on 17 July the central military authorities received a cable from the Japanese envoy in Moscow, Colonel Doi Akio, reporting that prospects for a diplomatic settlement were nil. The USSR was taking a hard line because Japan was deeply involved in China, though there were domestic considerations as well. The Russians, however, showed no intention of using the border incident to provoke war. It would be best for Japan to seize Changkufeng quickly and then press forward with parleys. Meanwhile, Japan should conduct an intensive domestic and external propaganda campaign. There was mounting pressure in the high command that negotiations, conducted "unaided," would miss an opportunity. Based on reports from Arisue and Kotani, that army seemed to be contemplating an unimaginative, ponderous plan: an infantry battalion would cross the Tumen west of Changkufeng and attack frontally, while two more battalions would cross south of Kyonghun to drive along the river and assault Changkufeng from the north. Inada sent a telegram on 17 July to Arisue for "reference." Prospects had diminished that Soviet troops would withdraw as a result of negotiation. As for the attack ideas Arisue mentioned, Inada believed it necessary to prepare to retake Changkufeng with a night attack using small forces. To avoid widening the crisis, the best plan was a limited, surprise attack using ground units. The notion of a surprise attack drew on the Kwantung Army's extensive combat experience in Manchuria since 1931.  The next morning, after the forward concentration of troops was completed, Suetaka went to the front. From Kucheng, he observed the Changkufeng district and decided on concrete plans for use of force. Meanwhile, Nakamura was curbing any hawkish courses at the front. As high-command sources privately conceded later, the younger officers in Tokyo sometimes seemed to think the commander was doing too good a job; there was covert sentiment that it might be preferable if someone in the chain of command acted independently before the opportunity slipped away. This is significant in light of the usual complaints by responsible central authorities about gekokujo—insubordination—by local commands. An important report influencing the high command's view arrived from Kwantung Army Intelligence on 19 July: according to agents in Khabarovsk, the USSR would not let the Changkufeng incident develop into war; Russians also believed there would be no large-scale Soviet intrusion into their territory. By 19 July, the Tokyo operations staff was considering the best method to restore control of the lost hill by force, since Seoul appeared to maintain its laissez-faire stance. On 18 July, Arisue and Kotani were instructed by Imperial General headquarters to assist the Korea Army and the 19th Division regarding the Changkufeng Incident. What the Army general staff operations officers sought was an Imperial General headquarters order, requiring Imperial sanction, that would instruct the Korea Army to evict the Russian troops from Changkufeng the way the Kwantung Army would, using units already under Nakamura's command. The sense was that the affair could be handled locally, but if the USSR sought to escalate the incident, it might be prudent for that to occur before the Hankow operation began. The IGHQ and War Ministry coordinated the drafting of an IGHQ order on 19–20 July: "We deem it advisable to eradicate Soviet challenges . . . by promptly delivering blow on this occasion against unit which crossed border at Changkufeng. That unit is in disadvantageous spot strategically and tactically; thus, probability is scant that dispute would enlarge, and we are investigating countermeasures in any case. Careless expansion of situation is definitely not desired. We would like you people also to conduct studies concerning mode of assault employing smallest strength possible for surprise attack against limited objective. Kindly learn general atmosphere here [Tokyo] from [Operations] Major Arao Okikatsu." The 20th of July proved to be a hectic day in Korea, and even more so in Tokyo. The division had informed the Korea Army that it was finally "ready to go," a message received in Seoul in the early hours. Then Arisue received a wire from Inada presenting limited-attack plans and noting that Arao was on the way. By that day, Japanese intelligence judged there were 400 Soviet troops and two or three mountain guns south of Paksikori. Russian positions at Changkufeng had been reinforced, but no aggressive intentions could be detected. Soviet ground elements, as well as materiel, appeared to be moving from Vladivostok and Slavyanka toward Posyet. Suetaka headed back to the front. Sato told him that it was absolutely necessary to occupy Chiangchunfeng Hill across the Tumen in Manchurian territory. Upon reaching the Wuchiatzu sector and inspecting the situation, Suetaka agreed to send a small unit to Chiangchunfeng on his own authority.  Colonel Sato Kotoku had ordered one company to move across the Tumen toward Chiangchunfeng on 21 July, a maneuver that did not escape the Russians' notice. On 24 July, the same day another Japanese unit occupied Shangchiaoshan Hill, Marshal Blyukher ordered the 40th Rifle Division, stationed in the Posyet area to be placed on combat readiness, with a force of regulars assigned to back the Soviet border guards; two reinforced rifle battalions were detached as a reserve. According to Japanese records, Russian border patrols began appearing around Huichungyuan, Yangkuanping, and Shachaofeng from 26 July, but no serious incidents were reported at that stage. At about 9:30 am on 29 July, Captain Kanda, the 2nd Company commander of Lieutenant Colonel Senda's 76th Border Garrison Unit, was observing the Shachaofeng area from his Kucheng cantonments. Through his glasses, Kanda observed four or five Soviet soldiers engaged in construction on high ground on the west side of Shachaofeng. Kanda notified Senda, who was at BGU Headquarters inspecting the forward areas. Senda transmitted the information to Suetaka. Deciding to cross the Tumen for a closer look, Senda set off with Kanda. A little after 11 am, they reached Chiangchunfeng Hill, where the men from Captain Noguchi's company were already located. Senda verified, to his own satisfaction, that as many as 10 enemy infantrymen had "violated the border" to a depth of 350 meters, "even by the Soviets' contention", and were starting construction 1,000 meters south of Shachaofeng. Senda decided to oust the Russian force "promptly and resolutely," in light of the basic mission assigned his unit. He telephoned Suetaka, who was in Kyonghun, and supplied the intelligence and the recommendation. Subordinates recalled Suetaka's initial reaction when the BGU reported a Soviet intrusion about a mile and a half north of Changkufeng. "The arrogant Russians were making fools of the Japanese, or were trying to. At stake was not a trifling hill and a few invaders, but the honor of the Imperial Army. In the face of this insult, the general became furious. He insisted upon smashing the enemy right away."  Kanda phoned 2nd Lieutenant Sakuma, who was still at Kucheng, and told him to bring his 25-man platoon across the river by 2 pm Sakuma crossed by boat and arrived at 1:30. Kanda set out from Chiangchunfeng at 2:20, took over Sakuma's unit, bore east, and approached within 700 meters of the enemy. He ordered the men not to fire unless fired upon, and to withdraw quickly after routing the Russians. It is said that the Japanese troops were fired upon as they advanced in deployed formation but did not respond at first. In a valley, casualties were incurred and the Japanese finally returned fire. Sakuma's 1st Squad leader took a light machine gun and pinned down the Russians facing him. Sakuma himself pressed forward with his other two squads, taking advantage of the slope to envelop the enemy from the right. At the same time, he sent a patrol to the high ground on the left to cover the platoon's flank. Thanks to the 1st Squad's frontal assault, the Russians had no chance to worry about their wings, and Sakuma moved forward to a point only 30 meters from the foe's rear. Kanda was now 50 meters from the Russians. When the enemy light machine gun let up, he ordered a charge and, in the lead, personally cut down one of the foe. Sakuma also rushed the Soviets, but when about to bring down his saber he was stabbed in the face while another Russian struck him in the shoulder. Grappling with this assailant, Sakuma felled him. Other Japanese attackers sabered two more Russians and shot the rest. By 3:10 pm the eight enemy "trespassers" had been annihilated. The covering patrol reported that five Soviet horsemen, with a light machine gun, were galloping up from Khasan. Sakuma had his platoon fire grenade dischargers, which smashed the enemy. Seventy more Russian soldiers now came, attacking from northwest of the lake and supported by fire from the east side. Using light machine guns and grenade dischargers, Sakuma checked them. Meanwhile, Miyashita's platoon, part of Noguchi's company, had departed from Chiangchunfeng at 2:20 pm and swung right until it reached the crestline between Changkufeng and Kanda's company. One squad faced 200 Russians on Changkufeng; the other faced the enemy south of Shachaofeng. Soviet forces opened intense machine-gun fire from Changkufeng and from the high ground east of the lake. After 20 minutes, Kanda's unit charged, two or three Russians fled, and Miyashita's platoon shot one down. Senda, who had gone with Miyashita, directed the platoon's movements and proceeded north, under fire, to Kanda's unit. Once the Russians had been cleared out, Senda forbade pursuit across the boundary and gradually withdrew his forces to the heights line 800 meters southwest. It was 4:30 then. By 5 pm Soviet reinforcements, apparently brought up from the Changkufeng and Paksikori sectors, advanced anew. With 80 men in the front lines, the enemy pushed across the border to a depth of at least 500 meters, according to the Japanese, and began to establish positions. Several tanks and many troops could be observed in the rear. Senda had Noguchi's company hold Chiangchunfeng. Kanda's unit, reinforced by 33 men from Kucheng, was to occupy the heights southwest of Shachaofeng, while Imagawa's company of the 76th Regiment was to occupy other high ground to the west. Senda then reported the situation to Suetaka in Kyonghun and asked for reinforcements. In Seoul, Army headquarters understood the developments reported by Suetaka as a response to the hostile border violation, and about 20 men of the Kucheng BGU under Lt. Sakuma drove the enemy out between 2:30 and 3 pm. Afterward, Sakuma pulled back to high ground two kilometers south of Yangkuanping to avoid trouble and was now observing the foe. Although Seoul had heard nothing about Japanese losses, Corp. Akaishizawa Kunihiko personally observed that Kanda had been wounded in the face by a grenade and bandaged, that Sakuma had been bayoneted twice and also bandaged, and that the dead lay on the grass, covered with raincoats. According to Suetaka "the enemy who had crossed the border south of Shachaofeng suffered losses and pulled back once as a result of our attack at about 2:30 pm". By about 4:30, Suetaka continued, the Russians had built up their strength and attacked the platoon on the heights southwest of Shachaofeng. Behind the Russian counterattack, there were now several tanks. Earlier, Suetaka noted ominously that several rounds of artillery had been fired from the Changkufeng area; "therefore, we reinforced our units too, between 5 and 6 pm., and both sides are confronting each other." Details as to the fate of Sakuma's platoon are not given, but it is now admitted that casualties were incurred on both sides. The Korea Army Headquarters consequently reported to Tokyo in the evening that, according to information from the division, 20 Japanese had driven out the Russians near Shachaofeng; 25 men from Senda's unit were occupying the heights 600 meters west of Changkufeng; and another 16 men were deployed in ambush at Yangkuanping. Such an enumeration would have tended to suggest that only a few dozen Japanese were across the Tumen on the 29th. But a review of the numbers of combat troops committed and the reinforcements sent by Senda reveals that Japanese strength across the river was in the hundreds by nightfall. In Moscow, Tass reported that on 29 July detachments of Japanese-Manchukuoan intruders had attempted to seize high ground apparently located 0.5 miles north of a Russian position. The assailants had been "completely repelled from Soviet territory, as a result of measures taken by Russian frontier guards," and instructions had been sent to the embassy in Tokyo to protest strongly. Walter Duranty, the veteran American correspondent in Moscow, heard that the Japanese press had published reports, likely intended for internal consumption, that hours of furious fighting had occurred at the points in question. Since the dispatches were unsubstantiated and "failed to gain credence anywhere outside Japan," Duranty claimed this may have forced the Japanese to translate into action their boast of "applying force" unless their demands were satisfied. "Now, it appears, they have applied force, unsuccessfully." The Soviet communiqué on the Shachaofeng affair, despite its firm tone, appeared unostentatiously in the following day's Pravda and Izvestiya under the headline, "Japanese Militarists Continue Their Provocation." The Japanese Embassy in Moscow heard nothing about the Shachaofeng affray until the morning of the 30th, when a wire was received from the Gaimusho that ten Russian soldiers had occupied a position northwest of Changkufeng and had begun trench work until ejected by frontier guards. Since the Russian communiqué spoke of afternoon fighting, American correspondents concluded that Soviet troops must have counterattacked and driven off the Japanese. No additional information was available to the public in Moscow on the 30th, perhaps because it was a holiday. Nevertheless, in the afternoon, Stalin's colleague Kaganovich addressed an immense crowd in Moscow on "Railroad Day" and at the conclusion of a long, vigorous speech said:  "The Soviet Union is prepared to meet all enemies, east or west." It certainly was not a fighting speech and there is no reason to suppose the Soviet will abandon its firm peace policy unless Japan deliberately forced the issue. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. Diplomacy flickered as Moscow pressed restraint and Tokyo whispered calculated bravado. As July wore on, both sides massed troops, built trenches, and sent scouts across the river. A tense, hidden war unfolded, skirmishes, patrols, and small advances, until a fleeting moment when force collided with restraint, and the hill's future hung in the frost.

Concentration is an important thing to maintain even in our modern world. Could you imagine taking cane strike after mace blow, while keeping a fundamental spell up for your entire parties survival?!? Pretend not, for it happens within. We decide to forego a long rest or any rest whatsoever in episode 84.   Thank you all for your hard work, previewing, and understanding. We cant D untill the IY works out. Because, to be honest, who else understands Y and I without D'ing. DIY   Have a magical adventure!

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. 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 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.

✨ A Rhythm for Slowing DownMindfulness, sound healing, and ritual — woven into every frequency. This is a sensory journey curated by interdisciplinary artist and creative calm strategist Sya Warfield.Calm isn't something you wait for. It's something you create.Ritual Era Meditation is a 12-week digital experience designed to restore your nervous system, soften your edges, and bring clarity to your inner world. Each week, you'll explore sound frequencies, gentle practices, and grounding rituals — all from the comfort of your own rhythm.Your soft place to return to, anytime:https://studio.com/apps/sya/calm

Episode Title: Soft Rain Sounds for Studying and ConcentrationDescription:In this episode of Thunderstorm: Sleep and Relax in the Rain, we bring you gentle, soft rain sounds designed to help you focus and boost your concentration. Whether you're studying for exams, working on a project, or simply need a calm background to enhance your productivity, the soothing rhythm of rain creates the perfect environment to keep your mind clear and attentive.Imagine yourself in a quiet place where the steady patter of raindrops blends seamlessly with peaceful ambience, washing away distractions and stress. This natural soundscape helps maintain your flow, making long study sessions or focused work feel easier and more enjoyable.Tune in, relax your mind, and let the calming rain sounds guide you into a state of deep focus and concentration.DISCLAIMER

Sebastian Bates is a British entrepreneur, author, and martial artist best known as the founder of the Warrior Academy, a Dubai-based organisation dedicated to developing children's confidence, focus, and resilience through martial arts. With over 25 years of experience and a background in professional martial arts and extreme sports. He is the best-selling author of The Warrior Method and Not a Victim, host of the Warrior Academy Podcast, and founder of the Bates Foundation and the "Not A Victim" anti-bullying campaign, initiatives that reflect his commitment to empowering young people and fostering positive character growth worldwide. In this episode, Sebastian dives deep into the journey behind founding the Warrior Academy and the powerful mission driving its global impact. He discusses how early life challenges and experiences with bullying shaped his vision for empowering children through character development and martial arts. Listeners will hear insights on transforming victim mentality into resilience, the psychology behind bullying, and how celebrating a child as a victim can unintentionally disempower them. Sebastian also explains the Warrior Academy's unique approach to measuring the "3Cs"— Confidence, Conduct, and Concentration and why focusing on the lowest "C" drives transformational growth. The episode highlights inspiring testimonials from over 50,000 children who've been through the academy, explores the impact of the Bates Foundation across Eastern Africa, and reflects on how charity work and purpose-driven entrepreneurship can redefine personal and professional success.     02:53 – Sebastian's backstory and why he founded the Warrior Academy 10:20 – Turning testing times into success: using challenges as motivation for growth 14:46 – Symptoms of a victim mentality and practical steps to overcome it 20:56 – Building the Warrior Academy 40:08 – Understanding why bullying occurs and how to support bullies 42:34 – The Bates Foundation: the purpose behind it 56:50 – What drives Sebastian: finding purpose through meaningful impact 59:10 – The role of Dubai in accelerating the commercial growth of the business   Show Sponsors:  AYS Developers: A design-focused company dedicated to crafting exceptional homes, vibrant communities, and inspiring lifestyle experiences. https://bit.ly/AYS-Developers       Socials:  Follow Spencer Lodge on Social Media https://www.instagram.com/spencer.lodge/?hl=en  https://www.tiktok.com/@spencer.lodge  https://www.linkedin.com/in/spencerlodge/  https://www.youtube.com/c/SpencerLodgeTV  https://www.facebook.com/spencerlodgeofficial/    Follow Sebastian Bates on Social Media https://www.instagram.com/seb.bates/ https://www.linkedin.com/in/sebastian-bates-4b70412b/ https://www.facebook.com/sebastianbates https://www.youtube.com/channel/UCV4Ow_9hgRWxW0LvQhwbbtA https://open.spotify.com/show/1Z6jdkn6vUMIh2agYRddk5

Ajahn Dhammasiha provides advice to a newcomer to meditation. Although it was his first time visiting Dhammagiri, and only the second attempt in his life to practice formal meditation, he had sat through a full our of guided meditation forehand, and had also joined the almsfood offering earlier in the day. Ajahn Dhammasiha gives a broad outline of the development of the two main aspects of Buddhist meditation:Samatha / Samādhi / 'Concentration' Vipassana / Wisdom / Insight. Ajahn also gives some general encouragement helpful to establish a regular meditation practice.Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Our Spotify Playlists⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dhammagiri Youtube Channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pics#meditation #buddhistmeditation #introtomeditation #samatha #vipassana #insight

In this episode, spiritual director John Bruna continues his commentary on the text “How to Meditate on the Stages of the Path.” He discusses how renunciation is a gateway to great compassion, also known as "bodhicitta" in the Tibetan Buddhist tradition. This episode was recorded on September 24th, 2025.Welcome to the Way of Compassion Dharma Center Podcast. Located in Carbondale, Colorado, the Way of Compassion Dharma center's primary objective is to provide programs of Buddhist studies and practices that are practical, accessible, and meet the needs of the communities we serve.  As a traditional Buddhist center, all of our teachings are offered freely. If you would like to make a donation to support the center, please visit www.wocdc.org.  May you flourish in your practice and may all beings swiftly be free of suffering.

Episode Title: Soothing Rain Sounds for ConcentrationDescription: In this episode, we dive into the calming effects of rain sounds and how they can boost your focus and concentration. Discover the science behind why gentle rain can help drown out distractions and create a peaceful environment for working, studying, or meditating. We also share tips on how to incorporate these natural sounds into your daily routine to enhance productivity and maintain mental clarity.Take a moment to tune in, breathe deeply, and let the steady rhythm of rain guide you to a more focused state of mind. Remember, small pauses like these can make your day more balanced and productive.Stay with us as we continue exploring ways to bring calm and relaxation into your everyday life.DISCLAIMER

In his 2024 state-of-the-nation address, Vladimir Putin declared that the word “elite” had lost much of its credibility. Russia's “real elite,” he said, are those who serve their country: “the workers and warriors, reliable, trustworthy people who have proven their loyalty to Russia through their deeds.”  It's safe to assume that these words sent a chill through Russia's elite circles, where top officials, business leaders, and military figures have been jockeying to hold on to their positions for nearly four years of wartime.  With Putin laser-focused on winning the war against Ukraine, anyone who impedes that goal is at risk of finding themselves on the chopping block. Long-serving officials have fallen out of favor, while ultra-patriotic hardliners are rising to the top, leaving Putin surrounded by sycophants. But concentrating so much power in one 73-year-old man poses some obvious risks for Russia's political system. For more insight into how Putin's war effort has changed the rules for Russia's “old elites” and made them fear the prospect of peace, The Naked Pravda spoke to Farida Rustamova, an independent journalist who covers politics and power in Russia and writes the Substack newsletter Faridaily. Time stamps for this episode: (2:42 The Shift in Russian Political Dynamics04:54 Meduza's Daily Newsletter Plug05:41 Medvedev's Transformation and Elite Adaptation07:11 Fear and Repression Among Russian Officials11:59 High-Level Shakeups and Political Loyalty19:50 Concerns Over War's End and Future Chaos25:32 Skepticism About Peace Talks and Putin's Image27:56 Putin's Concentration of Power and Future of PutinismКак поддержать нашу редакцию — даже если вы в России и вам очень страшно

In this episode, spiritual director John Bruna continues to give his commentary on the text “How to Meditate on the Stages of the Path.” John discusses the subject of Bodhicitta, also known as Great Compassion in the Tibetan Buddhist tradition.  He takes us step by step along the journey of generating an aspiration for Bodhicitta, which is the underlying motivation for enlightenment. This episode was recorded on September 17th, 2025.Welcome to the Way of Compassion Dharma Center Podcast. Located in Carbondale, Colorado, the Way of Compassion Dharma center's primary objective is to provide programs of Buddhist studies and practices that are practical, accessible, and meet the needs of the communities we serve.  As a traditional Buddhist center, all of our teachings are offered freely. If you would like to make a donation to support the center, please visit www.wocdc.org.  May you flourish in your practice and may all beings swiftly be free of suffering.

Episode Title: Light Rain Soundscape for Concentration BoostDescription:In this episode, we immerse ourselves in the soothing sound of light rain, a natural backdrop known to enhance focus and productivity. Discover how gentle rain sounds can create a peaceful environment that helps clear your mind, reduce distractions, and improve concentration during work or study sessions. We'll also share tips on how to integrate this calming soundscape into your daily routine to boost mental clarity and maintain a steady workflow.Take a moment to breathe, listen, and let the soft patter of rain guide you to a more focused and relaxed state.Stay tuned for more ways to bring calm and balance into your busy days.DISCLAIMER

Dans cet épisode du podcast La Pause Fitness nous allons parler de retrouver de la concentration, de la marche comme seul sport, faire de la place dans son garage pour s'entrainer. NOUVEAU : Le secret des hommes calmes, forts et concentrés : maîtriser le duo testostérone-cortisol Au programme : Comment le cerveau “tourne” pour retrouver […] The post Concentration XXL, le sport le plus simple, home gym dans un garage appeared first on Fitnessmith.

Criminal law sits at the crossroads of fairness, accountability, and reform. From questions of who gets prosecuted to how victims are heard, Stetson Law pushes students to see beyond the verdict and into the systems that shape it. In this episode of Real Cases, we sit down with Professors of Law Susan D. Rozelle, Roberta Flowers, and Judith A. M. Scully, along with the Gary R. Trombley Family White-Collar Crime Research Professor of Law Ellen S. Podgor, to discuss the new Criminal Law Concentration at Stetson. We explore what draws students to prosecutorial work versus defense work, the moral and procedural complexities of plea bargaining, and the role of criminal lawyers in addressing corruption, white-collar crime, and social justice reform.

10 Minute POWER NAP Guided Meditation for Energy & Focus | Quick Recharge Before Work to Beat the Afternoon SlumpFeeling the midday drag or pre-work jitters? This 10-minute guided power nap meditation is your perfect, scientifically-backed quick recharge for a massive boost in energy and focus. Designed to be a mental reset before work or to beat the afternoon slump, this session on calming anxiety will leave you feeling refreshed and sharp.⚡️ Instant Energy Boost: Quickly drop into a deep state of relaxation using a body scan and visualization of a golden energy waterfall to wash away brain fog and lingering tiredness.

L'Impact Incroyable de la Musique sur le Travail

A talk by Thanissaro Bhikkhu entitled "The Precepts of Concentration"

Episode Title: Concentration-Boosting Rain SoundsDescription:In this episode, we dive into the soothing world of rain sounds and their powerful effect on concentration and focus. Learn how the gentle rhythm of rainfall can help drown out distractions, enhance productivity, and create a peaceful environment for studying or working. We'll also share tips on incorporating rain sounds into your daily routine to maximize mental clarity and calm.Take a moment to breathe deeply and let the steady patter of rain guide you to a place of quiet focus and relaxation. These simple moments can greatly improve your workflow and mental well-being.Join us next time as we continue exploring ways to bring calm and balance into everyday life.DISCLAIMER

In this episode of Jane's LME Addiction, our head of LME coverage Jane Komsky brings in Davis Polk partners Brian Resnick and Hilary Dengel to discuss voting cap and lender concentration cap language in credit agreements and how they may affect creditor organization and liability management exercises. They discuss the goals of these provisions, whether these provisions are “anti-co-op”, and whether they are more effective than DQ lists for sponsors trying to decide who buys into their debt.Find all our coverage on concentration caps, voting caps, and DQ lists at 9fin.com.Have any feedback on the podcast? Send us a note at podcast@9fin.com — thanks for listening!

On Day 4, we create an automatic, zero-friction anchor for focus. The moment you feel the urge to procrastinate, you need an instant counter-move. By integrating the Hakini Mudra—the Gesture of Concentration—you give your body a simple, non-verbal command to 'Lock in.' This physical cue significantly shortens the transition time from a distracted state to a powerful Deep Work block, making attention a predictable reflex. This is day 4 of a 7-day meditation series, "Rewiring Your Attention Span for Laser Focus & Deep Work," episodes 3409-3419. YOUR WEEKLY CHALLENGE: The 10-minute Friction Fighter When the craving hits, do not touch the device. Immediately perform The Neural Navigator Breath and assume the Hakini Mudra for 60 seconds. Set a mental or physical timer for 10 minutes. This challenge uses behavioral conditioning to increase your brain's craving tolerance. By intentionally delaying the dopamine hit, you weaken the immediate reward circuit, making high-value, sustained tasks (like Deep Work) feel less effortful and more naturally rewarding over time. THIS WEEK'S MEDITATION JOURNEY  Welcome to Dopamine Detox: Rewiring Your Attention Span for Laser Focus & Deep Work! If you feel like your attention is constantly being held hostage—pulled between notifications, endless tabs, and the relentless urge to scroll—you are not alone. In our hyper-stimulated world, distraction isn't a moral failing; it's a chemical problem. Your brain has been systematically trained by technology to seek out the tiny, instant gratification hits of dopamine that low-value tasks provide. This constant craving leaves you exhausted, scattered, and stuck in the restless loop of the Default Mode Network (DMN), making true, high-quality concentration feel impossible. This week, we are fighting fire with Neuroplasticity. This 7-day series isn't just about trying harder; it's about giving your brain a complete reboot. We will introduce targeted, science-backed meditation tools that strategically decrease your brain's dependence on instant hits and build the myelin sheaths required for Deep Work. By the end of this journey, you will have moved from reacting to distraction to proactively commanding your focus. You will build an unbreakable internal system that allows you to bypass analysis paralysis, overcome the resistance of starting difficult tasks, and enter the elusive Flow State on demand. Get ready to transform your attention span from a liability into your most powerful competitive advantage. Day 1:  Release Fear Visualization Day 2:  Affirmation: "I am present, focused, and my attention is my superpower." Day 3:  Neural Navigator Breath Day 4:  Hakini mudra for focus Day 5:  Third Chakra for Clarity Day 6:  Mental Focus Flow meditation, combining the week's techniques Day 7:  Weekly review meditation and closure SHARE YOUR MEDITATION JOURNEY WITH YOUR FELLOW MEDITATORS Let's connect and inspire each other! Please share a little about how meditation has helped you by reaching out to me at Mary@SipandOm.com or better yet -- direct message me on https://www.instagram.com/sip.and.om. We'd love to hear about your meditation ritual!  WAYS TO SUPPORT THE DAILY MEDITATION PODCAST SUBSCRIBE so you don't miss a single episode. Consistency is the KEY to a successful meditation ritual. SHARE the podcast with someone who could use a little extra support. I'd be honored if you left me a podcast review. If you do, please email me at Mary@sipandom.com and let me know a little about yourself and how meditation has helped you. I'd love to share your journey to inspire fellow meditators on the podcast! All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com. FOR DAILY EXTRA SUPPORT OUTSIDE THE PODCAST Each day's meditation techniques are shared at: sip.and.om Instagram https://www.instagram.com/sip.and.om/ sip and om Facebook https://www.facebook.com/SipandOm/ SIP AND OM MEDITATION APP Looking for a little more support? If you're ready for a more in-depth meditation experience, allow Mary to guide you in daily 30-minute guided meditations on the Sip and Om meditation app. Give it a whirl for 7-days free! Receive access to 2,000+ 30-minute guided meditations customized around a weekly theme to help you manage emotions. Receive a Clarity Journal and a Slow Down Guide customized for each weekly theme.  2-Week's Free Access on iOS https://itunes.apple.com/us/app/sip-and-om/id1216664612?platform=iphone&preserveScrollPosition=true#platform/iphone All meditations are created by Mary Meckley and are her original content. Please request permission to use any of Mary's content by sending an email to Mary@sipandom.com.Let go of repetitive negative thoughts. The beach waves were composed by Mike Koenig. Music composed by Christopher Lloyd Clark licensed by RoyaltyFreeMusic.com, and also by musician Greg Keller.

Markets have rocketed higher for six straight months — but how long can it last? Hedgefund Telemetry founder, Tom Thornton joins Lance Roberts to unpack the forces driving this “Rocket of a Stock Market.” From AI euphoria and sector rotation to passive indexing risks and the Fed's impact on valuations, we dig into what's really happening under the surface. 0:18 - INTRO 2:50 - The Rocket of a Stock Market 5:37 - Market Volatility & Opportunity in AI I7:14 - Interning During the Crash of '87 8:21 - Forward Earnings Expectations 9:35 - The Broadening in the Market - Energy, Materials, Consumer Staples 11:42 - Sector Rotation is a Real Thing - What if AI comes under pressure? 13:26 - Market Cap Concentration Concerns 16:02 - The Y2K Panic Buying pulling forward consumption - Similar in AI? 17:50 - Tracking Investor Sentiment (Bullish Sentiment chart) 20:36 - Tom DeMark Indicators - S&P and NASDAQ 100 PE Multiples (Chart) 23:03 - When S&P is Within 5% of ATH... (chart) 24:30 - Most-shorted Baskets (chart) - showing what speculators are buying 27:30 - Mag 7 daily & Weekly (chart) 31:35 - What Technicals Tell Us about Managing Risk 33:18 - Valuations at Elevated Levels: Apple & Nvidia (chart) 36:01 - Multiples that make no sense - Palantir & Tesla (chart) 36:55 - Waymo vs Tesla 39:15 - This Level of Concentration is New (chart) 41:23 - US Households are "All In" and Leveraged (chart) 42:40 - Leveraged ETF Data 43:56 - Short Term Options trading is Gambling (chart) 45:43 - % of Stocks About the 20, 50, & 200-DMA (chart) 49:18 - 6-straight months of market upside: When do you run out of buyers? 50:30 - Expectations for EOY? Bubbles don't deflate; they pop. 52:17 - 2026 will be difficult to continue strong momentum without a decent correction 52:44 - Where's the risk? 56:18 - Levered Obesity Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=42moSAfvL10&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketAnalysis #AIBubble #InvestorSentiment #MarketVolatility #TomThornton

Markets have rocketed higher for six straight months — but how long can it last? Hedgefund Telemetry founder, Tom Thornton joins Lance Roberts to unpack the forces driving this "Rocket of a Stock Market." From AI euphoria and sector rotation to passive indexing risks and the Fed's impact on valuations, we dig into what's really happening under the surface. 0:18 - INTRO 2:50 - The Rocket of a Stock Market 5:37 - Market Volatility & Opportunity in AI I7:14 - Interning During the Crash of '87 8:21 - Forward Earnings Expectations 9:35 - The Broadening in the Market - Energy, Materials, Consumer Staples 11:42 - Sector Rotation is a Real Thing - What if AI comes under pressure? 13:26 - Market Cap Concentration Concerns 16:02 - The Y2K Panic Buying pulling forward consumption - Similar in AI? 17:50 - Tracking Investor Sentiment (Bullish Sentiment chart) 20:36 - Tom DeMark Indicators - S&P and NASDAQ 100 PE Multiples (Chart) 23:03 - When S&P is Within 5% of ATH... (chart) 24:30 - Most-shorted Baskets (chart) - showing what speculators are buying 27:30 - Mag 7 daily & Weekly (chart) 31:35 - What Technicals Tell Us about Managing Risk 33:18 - Valuations at Elevated Levels: Apple & Nvidia (chart) 36:01 - Multiples that make no sense - Palantir & Tesla (chart) 36:55 - Waymo vs Tesla 39:15 - This Level of Concentration is New (chart) 41:23 - US Households are "All In" and Leveraged (chart) 42:40 - Leveraged ETF Data 43:56 - Short Term Options trading is Gambling (chart) 45:43 - % of Stocks About the 20, 50, & 200-DMA (chart) 49:18 - 6-straight months of market upside: When do you run out of buyers? 50:30 - Expectations for EOY? Bubbles don't deflate; they pop. 52:17 - 2026 will be difficult to continue strong momentum without a decent correction 52:44 - Where's the risk? 56:18 - Levered Obesity Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketAnalysis #AIBubble #InvestorSentiment #MarketVolatility #TomThornton

Binaural Beat Meditation — A Rhythm for Slowing Down.Mindfulness, sound healing, and ritual — woven into every frequency — a sensory journey from Upward Together, curated by Sya Warfield.Calm isn't something you wait for; it's something you create.Episode Ritual: Sensory Pairing• Vibe – Flameless Flickering Wax Pillar Candles • Smell – doTERRA Serenity Essential Oil Blend • Taste – Tulsi Sweet Rose TeaShop the Deep Rest Ritual Kit:https://amzn.to/3UkVlu5Affiliate link — thank you for supporting the show!

durée : 00:05:33 - Le Journal de l'éco - par : Anne-Laure Chouin - Les plus pauvres subissent 74% des pertes relatives au climat quand les riches sont responsables de plus de 50% des émissions. Au lieu de se focaliser sur les modes de consommation, les politiques climatiques devraient agir sur la propriété et les investissements.

Don Gentile believes in the long-term thesis for CoreWeave (CRWV) but sees Monday's after-hours earnings report as a volatile one. He urges investors watch the company's handling of power contracts and how it balances capacity constraints. Concentration risk is another concern Don has for the A.I. infrastructure company, though he sees CoreWeave diversifying its portfolio long-term. Tom White takes investors through the options front for CoreWeave.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

In this episode of ThimbleberryU, we reset the conversation around RSUs—restricted stock units—and bring it back to the basics while adding context relevant to 2025. We start by defining what RSUs are: a form of equity compensation that incentivizes employees to remain at a company and contribute to its long-term success. These units don't hold any value until they vest, which typically happens over a period of years. Amy compares this to being promised jelly beans in the future—enticing but only valuable once they're actually in your hands.We walk through vesting schedules, with one-year cliffs and subsequent payouts over several years being the norm. The concept of “golden handcuffs” comes into play, where employees lose unvested RSUs if they leave a company, adding a layer of retention-driven strategy from employers. We also dig into the tax implications, emphasizing that there's no tax when RSUs are granted—but they are taxed as ordinary income once they vest. Many people mistakenly assume the company's withholding covers the full tax liability, but that's often not the case, especially for high earners.The conversation gets technical but clear, explaining how the timing of selling RSUs affects how gains are taxed—short-term gains being taxed as ordinary income and long-term gains benefitting from lower capital gains rates. We debunk the myth of “double taxation” with a simple timeline that separates the grant date, vesting date, and eventual sale date, highlighting how only the gain beyond vesting is taxed again.We then explore the decision of whether to hold or sell RSUs. It depends on individual circumstances, but key factors include overall exposure to the company through salary, stock, and other equity compensation. Concentration risk becomes a big deal, especially if both partners in a household have RSUs at the same company.Common mistakes include underestimating tax obligations, overconcentration in employer stock, and failing to plan for tax bracket changes due to RSU income. On the opportunity side, we point to strategic uses of appreciated RSUs—such as charitable donations and goal-based selling. With RSUs becoming more common outside of tech and market volatility remaining high, understanding your vesting schedule and strategy has never been more important.We wrap up by encouraging listeners to treat RSUs as part of a broader financial plan, not just as a bonus or windfall. Intentionality is key, and professional planning can help manage risk and make the most of these powerful compensation tools.00:00 – Intro & RSU Basics01:23 – What Are RSUs and Why Do Companies Offer Them?02:43 – Vesting Schedules Explained04:11 – Tax Implications at Vesting07:29 – Capital Gains on RSUs09:10 – Myth Busting: Are RSUs Double-Taxed?10:00 – Should You Hold or Sell RSUs?11:12 – Risk Exposure and Concentration13:20 – Common Mistakes with RSUs14:06 – RSU Opportunities and Strategic Planning14:52 – Why RSUs Matter in 202515:39 – Final Takeaways on RSU Strategy16:31 – How to Contact Thimbleberry Financial To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Episode Title: Peaceful Rain Sounds for Studying and ConcentrationDescription:In this episode, we invite you to immerse yourself in the gentle and steady sounds of rain, perfect for boosting focus and creating a peaceful study environment. Discover how the soothing rhythm of rainfall can help drown out distractions, improve concentration, and support a calm mind during your work or study sessions. We also share tips on how to use rain sounds effectively to enhance productivity and relaxation.Take a moment to breathe deeply and let the calming patter of rain guide you to a more centered and focused state of mind. Remember, small pauses like these can make a big difference in your daily routine.Stay tuned for more episodes designed to help you find balance and serenity in everyday life.DISCLAIMER

In another special solo episode, Peter Walker dives deep into Carta's Q2 Fund Performance Report to unpack the data on what's really happening inside venture capital today.Peter walks through the critical benchmarks every GP and LP needs to know, from median and top-decile Net IRR, TVPI, and DPI across different vintages and fund sizes. He explains why the 2021 vintage is struggling, why small funds have higher performance dispersion, and how liquidity pressure is (or isn't) impacting GP behavior.He also introduces the single biggest theme defining venture in 2025: Concentration. Peter breaks down how this theme is affecting AI funding, geography, lead investor ownership, and even bridge rounds. Plus, he answers pre-submitted questions on follow-on strategy, liquidation preferences, and how to stand out to LPs in a crowded market.Q2 2025 VC Fund Performance Report:https://carta.com/data/vc-fund-performance-q2-2025/Subscribe to Carta's weekly Data Minute newsletter: https://carta.com/subscribe/data-newsletter-sign-up/Explore interactive startup and VC data, with Carta's Data Desk: https://carta.com/data-desk/02:03 – Chart 1: The VC fund universe (Fund sizes) 02:47 – Chart 2: Dry powder by fund size03:12 – Chart 3: Dry powder by vintage year04:14 – Chart 4: The hollowing middle of venture05:08 – Chart 5: LP count by fund size06:09 – Why are there fewer LPs in recent vintages?07:07 – Chart 6: The rise of the anchor LP07:51 – Digging into fund performance08:11 – What LPs really want to see (Net performance)09:03 – Chart 7: Net IRR by vintage year10:21 – Chart 8: IRR J-Curve (Why 2021 is struggling)11:59 – Chart 9 & 10: Top Quartile & Top Decile IRR13:05 – Chart 11: Do smaller funds outperform larger funds?14:55 – Chart 12: TVPI benchmarks (Median vs. Top Decile)15:34 – Chart 13-15: TVPI over time (Median, Top Quartile, Top Decile)16:50 – Why 3x net is a Top 10% goal, not Top Quartile17:15 – Chart 17: DPI (Money back to investors)18:26 – Chart 18: The psychology of liquidity (DPI > $1)20:01 – The broad venture context: Fundraising improves20:48 – Chart 20: The persistence of bridge rounds21:48 – Chart 21: Down rounds are decreasing23:04 – Are fund marks based on SAFEs? (No)23:55 – Chart 22: Time between rounds24:49 – Chart 23 & 24: Seed-to-A & A-to-B graduation rates27:39 – The 2025 Theme: Concentration28:05 – Concentration 1: The AI Boom29:31 – Concentration 2: More cash, fewer startups31:33 – Concentration 3: Lead investors are taking more32:52 – Concentration 4: "Preemptive" bridge rounds34:47 – Concentration 5: Geography (The Bay Area)37:46 – Start: Pre-submitted Q&A38:57 – Q1: Do mega-funds add value at seed?40:42 – Q2: How much should small funds reserve for follow-ons?42:47 – Q3: How common is investor-friendly structure? (Liquidation prefs)44:32 – On signaling risk45:35 – On LP pushback on fees & carry46:50 – On the state of exits (M&A vs. IPO)49:01 – On extended fund lifetimes (10 vs. 15 years)50:08 – On "no fee, carry only" funds53:10 – Key takeaways for fundraising GPs: Distinctiveness is keyThis presentation contains general information only and eShares, Inc. dba Carta, Inc. (“Carta”) is not, by means of this publication, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services, and is for informational purposes only.  This presentation is not a substitute for such professional advice or services nor should it be used as a basis for any decision or action that may affect your business or interests. © 2025 eShares, 

In this episode, we sit down with Victor Haghani, founder of Elm Wealth and one of the original partners at LTCM, to explore his journey from running complex hedge fund strategies to adopting a simplified, evidence-based investment approach. We discuss how investors should think about expected returns, portfolio construction, dynamic asset allocation, valuation signals, buybacks, managed futures, and the dangers of extrapolating past returns into the future.Topics covered:• Victor's journey from LTCM to simple, systematic investing• Why position sizing is as important as what you own• How to think about expected returns and valuation frameworks like CAPE and P-CAPE• The role of risk, risk premia, and personal utility in portfolio decisions• Why 60/40 and the permanent portfolio ignore expected returns• Buybacks, market elasticity, and capital flows• Indexing misconceptions and asset allocation discipline• The ETF structure and tax efficiency in asset allocation strategies• Concentration in large tech stocks and long-term equity returns• The importance of dynamic asset allocation vs static allocation• Key lessons for individual investors and avoiding “too good to be true” opportunities Timestamps:00:00 Intro and Victor's investing journey03:00 Lessons from LTCM and shift to simplicity09:00 Position sizing vs asset selection13:00 Risk as a cost and thinking in expected returns18:00 CAPE and the P-CAPE framework26:00 How to use expected return estimates34:00 The impact of buybacks on equity markets39:00 Indexing vs poor asset allocation habits43:00 Portfolio construction and global diversification46:00 Why the permanent portfolio falls short47:00 Managed futures and factors beyond stocks and bonds50:00 Inside Elm's dynamic allocation ETF55:00 Market concentration and equity issuance risks01:01:00 The case for dynamic allocation01:02:50 Victor's one investing lesson

My guest is Steven Pressfield, author of The War of Art and expert in how to overcome the inner force of "resistance"—the self-sabotaging tendency to procrastinate on your life's most important work that keeps you from realizing your professional and creative potential. Steven shares actionable tools for defeating inner resistance that work. His approach is concrete, not based on slogans or inspirational messages. As the author of numerous best-selling books and screenplays, Steven's routines for cultivating discipline and focus, including his physical training regimen (he is incredibly mentally and physically vigorous at 82), are applicable by anyone. He gives you effective practical strategies for how to structure your day, overcome procrastination and self-doubt and do your best, most meaningful work. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AGZ by AG1: https://drinkagz.com/huberman Helix Sleep: https://helixsleep.com/huberman BetterHelp: https://betterhelp.com/huberman Rorra: https://rorra.com/huberman Function: https://functionhealth.com/huberman David: https://davidprotein.com/huberman Timestamps (00:00:00) Steven Pressfield (00:04:55) Ideas & Resistance, Tree & Shadow Analogy (00:08:45) Military, Pushing Through Resistance, War of Art (00:10:14) Physical Training, Tools: Capturing Ideas, Little Successes (00:16:11) Sponsors: Helix Sleep & BetterHelp (00:18:36) Ideas, Invocation of the Muse, Goddess (00:23:19) Writing, Focus, Inner Critic, Perfectionism, Tool: Think in Multiple Drafts (00:28:21) Writing Session; Workout Analogy & Concentration (00:32:28) Aspiring Writers & Focused Hours; Work Session Timing; Phones (00:35:31) Inner Voice; Storytelling, Advertising (00:39:45) Soul & Growth, Creativity, Your Calling & Voices of Resistance, Suppression (00:48:10) Loved Ones: Projection, Resistance & Sabotage (00:51:04) Sponsors: AGZ by AG1 & Rorra (00:53:52) Angry & Numbing Out, Resistance, Internet; Following Your Calling (00:59:00) Mentors: Lessons on Focus & Quitting (01:06:46) Perfectionism (01:10:42) Contemplating Your Mortality, Family Honor (01:16:49) Proving Yourself & Competition (01:22:01) First Movie, Failure, Analyze Feedback?, Tool: Self-Evaluation (01:28:28) Book Success, One-Hit Wonders; Book Titles (01:34:22) Sponsor: Function (01:36:09) Personal Sacrifice; High Achievers & Unbalanced Life; Social Media (01:44:44) Tool: Turning Pro, Amateur vs Professional Habits, Failure, Feelings (01:49:32) Cost of Turning Pro, Tool: Taking Oneself Seriously & Others' Reactions (01:56:42) Creativity: Practical Advice & Muse; Acts of Faith; Surrender (02:04:00) Sponsor: David (02:05:17) Workspace, Uncomfortable Chair, Physical Labor, Complaining (02:08:13) Forthcoming Book, Book Recommendations (02:13:46) 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