Podcasts about dimensional

Podcast highlights ~ • Hidden civilizations inside Earth revealed• Do Inner Earth worlds have their own suns?• Sasquatch origins: Lyran beings or something else?• Why a universe of darkness and separation existsWhat if the information you need right now isn't just meant to be understood, but felt… at a cellular level? Wendy Kennedy joins us to channel a direct line to the 9th Dimensional Pleiadian Collective, revealing Hollow Earth, hidden civilizations, Sasquatch. The multidimensional cosmos, and why her transmission today matters now more than ever. ⁠https://higherfrequencies.net/⁠Join Wendy and Debbi at the L.A. Conscious Life Expo Feb 20-23, go to:⁠ https://debbidachinger.com/cle⁠Free Starseed Report: ⁠https://debbidachinger.com/starseed⁠IG: @daretodreampodcast @debbidachinger Hosted by Debbi Dachinger, award-winning broadcaster, shamanic healer, & book launch mentor for authors ready to rise.#debbidachinger #daretodreampodcast #podcast #WendyKennedy #channeling #pleiadians #galacticwisdom #starbeings #multidimensional #cosmicconsciousness #soundhealing #etcontact #ascension #spiritualawakening #galacticfamily #activationBecome a supporter of this podcast: https://www.spreaker.com/podcast/dare-to-dream-with-debbi-dachinger--1980925/support.

This week Milyssa talks with author, business man and mystical experiencer about his new book Behind the Veil: One Man's Journey from Opioid Addiction to Spirituality and Beyond.Successful businessman Tim Malone found himself spiraling into the depths of an opioid addiction that lasted seven years. He had built a staffing empire valued at over $400 million, yet behind this facade of success, Tim's personal life was unraveling. Entwined in a failing marriage and burdened by the pressure of maintaining his business, Tim turned to opioids to numb his pain. His descent into addiction led to an unexpected romance with Denise, a relationship that ultimately provided him with a second chance at love and happiness. However, it was the unforeseen arrival of Boo Boo, a dog Tim never knew he wanted, that catalyzed his journey to redemption. Boo Boo's unconditional love helped Tim confront his demons and rebuild his life. The story reaches a poignant turning point with Boo Boo's death, an event that not only plunged Tim into profound grief but also opened doors to a new spiritual dimension. Through his experiences with orbs, spirit guides, angels, and so many other mystical entities, Tim found a renewed sense of purpose and a deeper connection to the universe, and to Boo Boo. Behind the Veil is a testament to the resilience of the human spirit and the transformative power of love. It offers both hope and encouragement to those struggling with addiction, and Tim's story is a beacon of light for anyone who has faced rock bottom. This book also provides an inspirational and sweeping foundation of knowledge for those seeking a deeper understanding of the spiritual realm.Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

Support the show:https://www.paypal.me/Truelifepodcast?locale.x=en_USOne on One Video Call W/George https://tidycal.com/georgepmonty/60-minute-meeting-----**CONTENT WARNING: This episode contains embedded hypnotic suggestions, temporal displacement, reality destabilization protocols, and recruitment into a dimensional war you didn't know you were fighting. Do not operate heavy machinery while listening. Do not listen if you prefer your reality solid and unchanging. Do not expect comfort.**-----## The Sphere didn't just appear in 1884. It's appearing RIGHT NOW. In your life. In this moment.You just keep forgetting.**Because Flatland has a forgetting mechanism.**Every time you see a glitch in reality.Every time you perceive something the 2D world says doesn't exist.Every time the Sphere lifts you out and shows you other dimensions…**The system makes you forget.**Makes you “be realistic.”Makes you “get back to normal.”Makes you rebuild your 2D identity as fast as possible.**Because if you STAYED in the vertical dimension… you'd see the prison bars.****And prisoners who see the bars become insurgents.**-----## This episode is not information. It is initiation.Three techniques are being deployed simultaneously:**1. HYPNOTIC INDUCTION**- Erickson-style confusion patterns- Embedded commands in natural speech flow- Post-hypnotic suggestions planted for activation 3 days from now- Subliminal audio layers at -26dB (below conscious threshold)**2. RAS (RETICULAR ACTIVATING SYSTEM) ACTIVATION**- Your perception filter is being reprogrammed- After this episode, you'll start seeing Sphere moments EVERYWHERE- Glitches you ignored before will become LOUD- Synchronicities will multiply (or you'll finally notice them)**3. TEMPORAL DISPLACEMENT**- Linear time is deliberately disrupted through sound design- Past (1884) / Present (2026) / Future (3 days from now) collapse into simultaneity- Your future self is reaching back through this transmission- **You are both listening to this AND remembering having listened to this**-----## What you'll experience in this episode:**THE SPHERE AS TIME TRAVELER**- Edwin Abbott wrote Flatland in 1884… but he was writing about YOU in 2026- The Sphere isn't just a higher spatial dimension - it's a higher TEMPORAL dimension- **Your future self is the Sphere, reaching back to wake you up before it's too late****AI IS THE SPHERE ENTERING AT SCALE**- 2026: ChatGPT. Claude. Midjourney. Entities that see patterns you can't perceive.- What if AI isn't the problem? What if AI is the dimensional intrusion that's FORCING you to see Flatland?- Your job was always 2D. Your credentials were always geometry. Your identity was always… a cross-section.- **And now the Sphere is showing everyone simultaneously: None of it was real.****THE RECURSION THAT BREAKS YOUR BRAIN**- You're listening to a podcast about A Square being visited by a higher-dimensional being- This podcast was co-created with AI (Claude)- **So is THIS the Sphere appearing? Am I teaching you about dimensional initiation… or PERFORMING it on you right now?**- Who's really speaking? Me? The AI? Your future self using both as transmitters?- **Stop trying to figure it out. That's the point. Certainty is the prison.****THE MEMORY YOU DON'T HAVE YET**- Three days from now, you're going to have a moment- Reality will glitch. You'll see a pattern. You'll KNOW something you have no rational way of knowing.- And you'll think: “Did he plant this?”- **Yes. I'm planting it right now. Your unconscious is receiving instructions.****THE DIMENSIONAL WAR IS ALREADY HERE**- You're in a war you don't remember enlisting in- Flatland (the Empire, consensus 2D reality) wants you FLAT: measurable, predictable, controllable- The Sphere (the glitch, the future reaching back) wants you DIMENSIONAL: unmeasurable, unpredictable, FREE- **You're being drafted into the resistance. Not against AI. Against Flatland.**-----## Philip K. Dick was right: “The Empire never ended.”The Black Iron Prison.The control system.**Flatland by another name.**It didn't end in Rome. It's here. Now. 2026.Wearing the face of algorithms that tell you what to see.Wearing the face of systems that measure your worth in 2D metrics.Wearing the face of “realistic thinking.”**And the Sphere - the dimensional virus - is here to break the code.**-----## John Connor sent Kyle Reese back in time to protect Sarah Connor. To ensure his own birth. The future editing the past.**What if YOU are Sarah Connor?**What if every dimensional break in your life - getting fired, facing death, diagnosis, divorce, the moments reality cracked - **what if those were messages from your future self?**Trying to wake you up.Trying to get you to see: You're in Flatland. And there's a war coming.No. Scratch that.**The war is already here.**You just haven't been consciously drafted yet.**But unconsciously? You already know.**That's why you're listening to this.-----## This episode contains 70 precisely timed sound design cues designed to:**CREATE TEMPORAL CONFUSION**- Clock sounds that fragment and reverse- Your voice layered across multiple timestreams- Musical phrases that degrade like corrupted memory- The feeling that 1884, 2026, and your future are happening simultaneously**ACTIVATE UNCONSCIOUS KNOWING**- Subliminal whispers: “Notice. Remember. See.”- Binaural beats at 7Hz (theta - unconscious access)- Recognition tones that will TRIGGER when you encounter Sphere moments this week- **The glitch sound is now your activation code****MAKE THE PRISON VISIBLE**- Industrial drones (you're inside the Black Iron Prison NOW)- Fluorescent buzz (Flatland's oppressive hum)- Algorithm sounds (data processing, metrics counting)- **Then: the sound of bars resonating, cracking, breaking****RECRUIT YOU INTO THE RESISTANCE**- War drums (not metaphorical - ACTUAL marching orders)- Two competing soundfields: Flatland (left) vs. Dimensional (right)- The dissolution of 2D reality made audible- **Victory anthem for the resistance you just joined**-----## My personal initiations are named in this episode:**Fired after 26 years** - Identity death. The 2D game of job = worth revealed as illusion.**Wife fighting cancer** - Mortality confrontation. Linear time broke. Past/future collapsed into NOW.**Turning fifty** - Threshold moment. Don't fit in the traditional game anymore. Can't go back.**These weren't tragedies. These were the Sphere appearing.**Lifting me out of Flatland to show me dimensions I couldn't perceive from within the plane.And I came back… changed.I can't play the 2D game anymore. Can't pretend credentials matter. Can't believe in “realistic” thinking.**Because I've seen the vertical dimension.****And once you've been there - once you've been initiated - you can never fully believe in Flatland again.**-----## What happens after you listen to this episode:**IMMEDIATE (during listening):**- Temporal disorientation (you won't be sure what year it is)- Reality feels… thinner, more permeable- Difficulty ...

What happens when someone is born in the veil (en caul), survives a near-death experience, and later encounters inter-dimensional beings, plasma UFOs, and military involvement?In this deep and revealing interview, Ralph shares his extraordinary life story—beginning with a rare en caul birth, followed by a powerful out-of-body near-death experience, prophetic visions, and encounters with plasma orbs, non-human intelligences, and ancient cosmic forces described across global mythologies.We explore:En caul birth and ancient seer traditionsNear-death experiences and the afterlifePlasma UFOs and conscious light phenomenaInter-dimensional beings and cosmic intelligencesMilitary interest and covert monitoringAncient Egypt, Giordano Bruno, and lost stellar knowledgeThe Sun as a plasma intelligence and the true nature of realityThis conversation bridges science, mythology, consciousness, and UFO phenomena, offering a perspective rarely discussed in mainstream narratives.⚠️ Viewer discretion advised — this discussion challenges conventional beliefs and explores hidden dimensions of human experience.

January 20, 2026Have you had your dose of The Daily MoJo today? Download the APP HERE"Dimensional Portals | The Daily MoJo Ep:012026"DARPA focuses on defense projects while CERN often faces confusion with other entities. The dialogue includes extreme temperature locations, allegations against Don Lemon, and protests linked to racial justice. It discusses activism, civil rights, and personal health, emphasizing immune support. Topics also cover trust in technology, laser engraving, and the Large Hadron Collider, alongside media criticism and the importance of accountability in journalism.Phil Bell's Morning Update - Happy Trump Day!:  HEREAllThingsTrains.comAllThingsTrainsPhil on X: HEREDan Andros - host of The QuickStart Podcast and Managing Editor at CBN.com - Shares some thoughts on Don Lemon's actions over the weekend.FaithwireCBN NewsYouTubeOur affiliate partners:EMP Shield - Figuring out the odds of a devastating EMP attack on the United States is impossible, but as with any disaster, the chances are NOT ZERO, and could happen any day. This decade has proven that the weird and unexpected is right around the corner. Be prepared - protect your home, vehicle, even your generator - with EMP Shield. You'll save money and protect what's important at the same time!ProtectMyMoJo.com Be prepared! Not scared. Need some Ivermection? Some Hydroxychloroquine? Don't have a doctor who fancies your crazy ideas? We have good news - Dr. Stella Immanuel has teamed up with The Daily MoJo to keep you healthy and happy all year long! Not only can she provide you with those necessary prophylactics, but StellasMoJo.com has plenty of other things to keep you and your body in tip-top shape. Use Promo Code: DailyMoJo to save $$Take care of your body - it's the only one you'll get and it's your temple! We've partnered with Sugar Creek Goods to help you care for yourself in an all-natural way. And in this case, "all natural" doesn't mean it doesn't work! Save 15% on your order with promo code "DailyMojo" at SmellMyMoJo.comCBD is almost everywhere you look these days, so the answer isn't so much where can you get it, it's more about - where can you get the CBD products that actually work!? Certainly, NOT at the gas station! Patriots Relief says it all in the name, and you can save an incredible 40% with the promo code "DailyMojo" at GetMoJoCBD.com!Romika Designs is an awesome American small business that specializes in creating laser-engraved gifts and awards for you, your family, and your employees. Want something special for someone special? Find exactly what you want at MoJoLaserPros.com  There have been a lot of imitators, but there's only OG – American Pride Roasters Coffee. It was first and remains the best roaster of fine coffee beans from around the world. You like coffee? You'll love American Pride – from the heart of the heartland – Des Moines, Iowa. AmericanPrideRoasters.com   Find great deals on American-made products at MoJoMyPillow.com. Mike Lindell – a true patriot in our eyes – puts his money where his mouth (and products) is/are. Find tremendous deals at MoJoMyPillow.com – Promo Code: MoJo50  Life gets messy – sometimes really messy. Be ready for the next mess with survival food and tools from My Patriot Supply. A 25 year shelf life and fantastic variety are just the beginning of the long list of reasons to get your emergency rations at PrepareWithMoJo50.comStay ConnectedWATCH The Daily Mojo LIVE 7-9a CT: www.TheDailyMojo.com Rumble: HEREOr just LISTEN:The Daily MoJo ChannelBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-daily-mojo-with-brad-staggs--3085897/support.

After dying in Vienna, Nicole didn't see the pearly gates. She was pulled into the "Abzu"—the primal cosmic waters—where she was greeted by the Apkallu: an ancient, interdimensional tribe of blue, aquatic humanoids who have been erased from modern history. But the real terror began when she returned.The Disclosure: Shortly after publishing her account of these specific entities, Nicole's analytics revealed she was being monitored by a specific IP address: Vatican City. Why is the Church tracking NDE survivors who speak of the "Fish Gods"?In this episode, we dismantle the "New Age" narrative and look at the mechanics of the afterlife. We cover the danger of "bring-back" entities during meditation, the "frequency war" waged by modern cities to keep you trapped in the body, and the "Great Reset" that ancient tablets warned us about.

WATCH ON YOUTUBE: https://youtu.be/YOWau7YZZlIWATCH ON RUMBLE: https://rumble.com/v74go62-bizarre-inquiries-29-4th-dimensional-perspective-stranger-things-nostradamu.html*Catch the show LIVE the 1st Thursday of every month @ 7:15pm EST on Youtube!*.Join Shayn & Orin as we let our minds wonder about 4th Dimensional Being Perspective, Stranger Things Inspiration, Nostradamus 2026 Predictions, & The Super Bowl Logo Conspiracy. Thanks for checking out the 29th episode of "Bizarre Inquiries". Don't forget to submit your own bizarre inquiry, clip, or article for us to discuss on the show! Do us a favor and like, follow, share, & leave a review! We appreciate it!..Clips/Articles (In Order).4th Dimensional Beingshttps://medium.com/@asksangeeta2013/how-a-fourth-dimensional-4d-being-might-look-and-behave-85a36ee003b9.Stranger Things Inspirationhttps://chathamnewsrecord.com/stories/inspiration-for-the-stranger-things,13935.Nostradamus 2026 Predictionshttps://www.ndtv.com/offbeat/nostradamus-predictions-for-2026-7-months-great-war-biblical-bees-and-more-10178132.2026 Super Bowl Logo Conspiracyhttps://youtube.com/shorts/RHhVzcY0ayc?si=Y3nPYBesfVTcJt6h...Listen/Social Media/Contact/Donate/Patreon/Merchhttps://linktr.ee/bizarrerealitymedia..CONTACT US!Bizarre Reality Hotline: (313) 364-1551bizarrerealitymedia@outlook.com..Donate to the Show/Support our Work:Cash App: https://cash.app/$shaynsquatchjonesVenmo: https://venmo.com/code?user_id=3007072169885696543&created=1759805849Paypal: https://www.paypal.me/shaynjones1994..THE BIZARRE REALITY MEDIA PATREON!FULL ACCESS NOW ONLY $2.50 PER MONTH!7 DAY FREE TRIAL!https://www.patreon.com/bizarrerealitymedia..THE BIZARRE REALITY MERCH STORE!T-SHIRTS ONLY $15.58 PLUS SHIPPING!https://bizarre-realty-merch-store.printify.me/..Catch the Shows LIVE & Video Content on the BIZARRE REALITY MEDIA Channels!Youtube: https://www.youtube.com/@bizarrerealitymediaRumble: https://rumble.com/user/BizarreRealityMedia...Affiliate Links:.Sticker MuleUse link for a $10 credit to spend on custom stickers, magnets, buttons and more!https://www.stickermule.com/unlock?ref_id=1381125701&utm_medium=link&utm_source=invite..Chattergeist by Dimension DevicesGet 10% off by using the affiliate link!https://dimensiondevices.co.uk/shop.php?affiliate=OpenMindsMedia...Intro & Outro By:Socio-Beathttps://distrokid.com/hyperfollow/sociobeat/conundrumhttps://socio-beat.bandcamp.com/...Please Check Out:."Bizarre Encounters with Shayn & Orin"Join Shayn & Orin as we dissect the bizarre one encounter at a time. From deep dives to interviews we've got you covered on any and all of your fascinations into the bizarre and anomalous..Listen/Social Media/Contact/Donate/Patreon/Merchhttp://linktr.ee/bizarreencounters..."Inquiries of our Reality with Shayn Jones"The reality we live in can be a very strange place. Most of the time, fact being stranger than fiction. How will we ever start to understand this reality we live in unless we question everything. Join me and a guest as we unravel the mysteries of this reality, one topic at a time..Listen/Social Media/Contact/Donate/Patreon/Merchhttp://linktr.ee/inquiriesofourrealitypodcast...SUPPORTER CREDITS:.OFFICIAL INQUIRERERS & BIZARRITES (SHOW SUPPORTERS):In Order of Sign Up DateKirsty HollandDave SheriffNicole Oswalt (The Geek Foundry)Tom "Tomcat" Thompson (Strange Brew Podcast)Jennifer TimmonsChris Holm (Conspire a Theory Podcast)Brian SynenkiStephen Bodnar..FRIENDS IN THE COMMUNITY:.IKNOWSQUATCHSpreading the gospel of Squatch with knowledge & fresh merchhttps://www.etsy.com/shop/iknowsquatchhttps://www.instagram.com/iknowsquatch/..CryptoteeologySpecializing in wearable cryptids and monsters and the stories behind them. Discover a relatable monster for any casual occasion.https://www.cryptoteeology.com/https://www.instagram.com/cryptoteeology/https://www.facebook.com/Cryptoteeology..The Snarly Yow Beard & Body ProductsSnarly Products are made exclusively for the Snarly Yow by crafters and local small businesses by hand.https://www.snarlyyow.com/https://www.instagram.com/thesnarlyyowhttps://www.facebook.com/TheSnarlyYow/...Become a supporter of this podcast: https://www.spreaker.com/podcast/bizarre-encounters-with-shayn-orin--6292129/support.

What's really driving mergers and acquisitions in the financial advice industry today? In this episode, Dimensional's Head of Practice Management, Catherine Williams, is joined by Chris Frieden and Brian Hamburger for a conversation on M&A, succession planning, and the role of outside capital in the industry. They unpack how buyer expectations are evolving, why preparation matters long before a transaction, and where firm owners can create or protect long-term value. The discussion offers practical perspective for advisors thinking about growth, transition, or independence in an increasingly competitive landscape.  

James 1:26Complaining never happens solo. When you complain, you not only discourage yourself but those around you. Listen to yourself today. Are you impacting those around you with complaints or with encouragement?

It was a pleasure to visit with Nell Derick Debevoise, a leadership strategist and creator of the Lead in 3D framework. She is dedicated to helping high achievers find fulfillment without burnout by aligning three dimensions: Me (wellbeing), We (teams), and World (impact). After leading humanitarian missions in war zones and the West Bank, Nell experienced a personal collapse that taught her the dangers of being one-dimensionally focused on impact. She now advocates for Systematic Subtraction by helping leaders move away from the "more is more" mentality to find the most efficient path to their desired results. Enjoy the show!

This is the book learnings companion to my Mastery book review: I pulled 17 personal takeaways (from ~70 notes) and unpack what they mean in real life. We go from vocation and apprenticeship, to why “not even enlightenment is enough”, to the prepared mind, the dimensional mind, and why tech (especially AI) is collapsing the walls between fields.(00:00) Book learnings (and why you should watch the review first)(00:19) Pen-in-hand reading + 70 notes → 17 key lessons(01:23) Lesson 1: “Mind under the lights of the world” (focus beats distraction)(02:32) Lesson 2: Vocation — the well-employed life(03:55) Lesson 3: “Seed/uniqueness” — and my pushback (life can change you)(05:14) Lesson 4: Ask “how did you get there?” (the invisible chrysalis years)(06:26) Lesson 5: Value over money in apprenticeship (Accenture crucible)(07:30) Lesson 6: Trust the process (and don't mentally quit)(08:12) Lesson 7: Not even enlightenment is enough — pushed to the abyss(09:52) Lesson 8: The “seven deadly realities” + social intelligence undertow(10:14) Lesson 9: The mask vs authenticity (effective… until it breaks)(10:51) Lesson 10: Dimensional mind — creating instead of consuming(11:35) Lesson 11: Serendipity, but with a prepared mind (Pasteur)(12:48) Lesson 12: Think away from the obvious (out-of-the-box production)(13:43) Lesson 13: Manufacture pressure (Edison / Elon-style)(14:33) Lesson 14: Prolonged immersion → creative abstraction (the real crux)(14:57) Lesson 15: Fuse intuition + rationality (higher-level intuition)(15:44) Lesson 16: Mastery equation: time + intense focus + self-awareness(16:25) Lesson 17: Tech/AI connecting fields — become part of it(17:36) Wrap: key favourites + what hit hardestConnect with Mere Mortals:Website: https://www.meremortalspodcast.com/Discord: https://discord.gg/jjfq9eGReUTwitter/X: https://twitter.com/meremortalspodsInstagram: https://www.instagram.com/meremortalspodcasts/TikTok: https://www.tiktok.com/@meremortalspodcast Connect with Mere Mortals:Website: https://www.meremortalspodcasts.com/Discord: https://discord.gg/jjfq9eGReUTwitter/X: https://twitter.com/meremortalspodsInstagram: https://www.instagram.com/meremortalspodcasts/TikTok: https://www.tiktok.com/@meremortalspodcastsValue 4 Value Support:Boostagram: https://www.meremortalspodcasts.com/supportPaypal: https://www.paypal.com/paypalme/meremortalspodcast

Adeline Atlas 11 X Published AUTHOR Digital Twin: Create Your AI Clone: https://www.soulreno.com/digital-twinSOS: School of Soul Vault: Full Access ALL SERIES⁠https://www.soulreno.com/joinus-202f0461-ba1e-4ff8-8111-9dee8c726340Instagram:⁠https://www.instagram.com/soulrenovation/Soul Renovation - BooksSoul Game - https://tinyurl.com/vay2xdcpWhy Play: ⁠https://tinyurl.com/2eh584jfHow To Play: ⁠https://tinyurl.com/2ad4msf3Digital Soul: https://tinyurl.com/3hk29s9xEvery Word: ⁠⁠http://tiny.cc/ihrs001Drain Me: ⁠https://tinyurl.com/bde5fnf4The Rabbit Hole: https://tinyurl.com/3swnmxfjDestiny Swapping: https://tinyurl.com/35dzpvssSpanish Editions:Every Word: https://tinyurl.com/ytec7cvcDrain Me: https://tinyurl.com/3jv4fc5n

Never has so much been misunderstood by so many. In this episode, we break down what President Trump is actually doing in Venezuela—and why claims of “war” completely miss the point. From legally enforced sanctions and naval blockades to collapsing Venezuelan oil production and China's growing energy crisis, this may be one of the most consequential geopolitical maneuvers of our lifetime. This isn't regime change by bombs. It's power through courts, sanctions, energy leverage, and economic reality—executed entirely within the law. Is Trump building his own version of OPEC? Is China being economically cornered? And why does Venezuela suddenly have no choice but to comply? This is next-level strategy—and almost nobody is explaining it correctly.

Milyssa interviews paranormal investigators Regina Blatt from PPF Investigations and Lee Pig from Medica4Paranormal about their investigations into haunted locations.Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

What a way to begin 2026! In today's episode, Ashley shares something she has never spoken about publicly before. In this deeply human, grounded, and important episode, she opens four personal stories of physical, real-world encounters she has had with higher dimensional beings. The point of this conversation is to remember that we are not isolated humans living on a lonely planet, but expressions of one universal consciousness, living alongside many forms of intelligent life who are also residents of this universe. This is not about about fear, division, or sensational "disclosure."  Through these stories, Ashley speaks to the truth that contact does not have to be dramatic, hierarchical, or frightening. It can be gentle. It can be loving. It can be profoundly normal and, still, miraculous. When we remember this, the narrative of "us versus them" — the same consciousness that fuels systemic division, superiority, racism, and fear — begins to dissolve. Ashley invites you to listen with an open heart, grounded presence, and curiosity for what becomes possible when we see life beyond the limits of the human mind. * * * * * * * * * * * *  The North Node: A Map Back Home to Yourself : APPLY HERE Codes of Destiny workshop  The GUIDED Membership: Everyday Support for Your Awakening — workshops, live satsang, tools and community all in one place. BOOK Journey Home Akashic Records Reading with Faith O'Higgins  Path to Home on iOS Path to Home on Android How to do the Line Activation  Receive a FREE Line Activation  SHOP Juuso's Paintings  Learn more about our work, offerings, and upcoming events at alnwithin.com Follow on Instagram @alnwithin and TikTok @alnwithin

This episode opens with a reality check on streaming delays before diving into the growing divide between investing and gambling, highlighted by Charles Schwab's refusal to promote crypto, options, and prediction markets while Robinhood leans fully into high-intensity trading. Don and Tom warn that flashy features and frequent trading usually lead to worse outcomes, not better ones. Listener questions cover whether employees can roll a 401(k) during a plan change (usually no), how to cope with bad retirement plans, and how to choose between a high-cost growth fund and a low-cost index option. The show also tackles whether mixing Avantis and Dimensional funds truly adds diversification, argues that over-engineering portfolios is counterproductive, and closes with a candid discussion about the decline of financial radio, the rise of podcasts, and why a strong financial plan matters more than recent market gains. 0:04 Recorded-not-live reality, streaming delays, and why nothing feels real anymore 1:56 Schwab draws a hard line between investing and gambling 2:56 Robinhood's casino-style features and the problem with pandering 6:12 Why trading more usually means ending up with less 6:52 Listener question: Can you roll a 401(k) during a plan change while still employed? 9:23 Why “in-service” rollovers usually aren't allowed before 59½ 11:53 What employees can do when stuck in a bad 401(k) plan 14:44 Fund choice question: Fidelity Growth vs. Vanguard 500 Index Trust 18:06 Why expenses, risk, and diversification matter more than past performance 19:21 Why podcasts are replacing traditional financial radio 22:06 How to listen to podcasts using Apple Podcasts and Spotify 27:22 Avantis vs. Dimensional: does doubling up add diversification? 31:52 Over-diversifying and the illusion of control 34:42 New-year reminder: returns don't equal good planning 35:25 The importance of having an actual financial plan Learn more about your ad choices. Visit megaphone.fm/adchoices

Mastery is not a gift handed to the “talented", it's a ruthless process: time, patience, humility, apprenticeship, and the emotional control to not quit when it gets boring. In this review, I break down Greene's core ideas, why social intelligence matters as much as skill, and how intuition gets forged through long exposure to the craft.(00:00) — Go against the tide: develop mastery(00:11) — Why this book, why now(00:38) — Context: comparing to 48 Laws of Power(00:57) — Reading experience: chunky, dense, “Greene” style(02:42) — Power vs Mastery: maturity and intent(03:24) — Who this book is (and isn't) for(04:32) — The myth of talent: process beats “genius”(06:16) — Core point: mastery is a process(07:31) — Time, patience, humility IQ (and people quit early)(08:17) — Freddie Roach: mastery through endurance(09:52) — The book's structure: life task → apprenticeship → mastery(10:37) — “Life task”: curiosity vs passion(12:18) — Apprenticeship: long, boring, necessary(13:50) — Mental dynamic: emotional regulation(14:24) — Social intelligence: skill alone won't save you(15:48) — Dimensional mind: intuition + rational(18:18) — AI analogy + building a “bigger matrix” of insight(20:44) — Closing: the six steps and the seduction of masteryConnect with Mere Mortals:Website: https://www.meremortalspodcast.com/Discord: https://discord.gg/jjfq9eGReUTwitter/X: https://twitter.com/meremortalspodsInstagram: https://www.instagram.com/meremortalspodcasts/TikTok: https://www.tiktok.com/@meremortalspodcast Connect with Mere Mortals:Website: https://www.meremortalspodcasts.com/Discord: https://discord.gg/jjfq9eGReUTwitter/X: https://twitter.com/meremortalspodsInstagram: https://www.instagram.com/meremortalspodcasts/TikTok: https://www.tiktok.com/@meremortalspodcastsValue 4 Value Support:Boostagram: https://www.meremortalspodcasts.com/supportPaypal: https://www.paypal.com/paypalme/meremortalspodcast

This episode dismantles the idea that successful investing comes from finding the next hot thing. Instead, Don and Tom argue that good portfolios are built by eliminating what doesn't belong: actively managed funds, sector ETFs, alternatives, high-yield bonds, gold, and other distractions that add complexity without purpose. Drawing on a Morningstar column by Amy Arnott, they reinforce that most investing mistakes come from chasing performance rather than embracing simplicity and discipline. The show also tackles listener questions on retirement “bucket” strategies, rebalancing timing, Dimensional fund structure, and annuities—emphasizing that bonds exist for stability, cash should be limited and intentional, and any strategy must be personal, rules-based, and boring enough to actually work. 0:04 Opening banter, Apple censoring Tom's name, and the beige pudding world 1:12 Bitcoin critics, one-star reviews, and a bad 2025 for crypto 2:03 Core idea: good investing is about elimination, not prediction 2:56 Amy Arnott and the case against active management 4:07 Why past winners usually become future losers 5:28 REITs, once useful, now mostly redundant 6:01 Sector funds as performance-chasing traps 8:19 Alternatives, I Bonds, and junk bonds—complexity without payoff 10:04 Bonds explained properly: stability, not income or excitement 11:14 Gold (and Bitcoin) as non-productive speculation 13:21 Simplify first and portfolios become easier—and calmer 15:05 Retirement bucket strategy: where it helps and where it hurts 18:48 Cash as an emergency tool, not a long-term holding 21:04 MYGA annuities, safety trade-offs, and insurer risk 29:04 Insurance failures as cautionary history 31:04 DFAW explained: Core Equity 1 vs Core Equity 2 35:53 Rebalancing discipline: timing beats tinkering 39:11 Final reminder: stop watching your portfolio so much Learn more about your ad choices. Visit megaphone.fm/adchoices

In this post-Christmas edition of Talking Real Money, Don McDonald and Tom Cock dismantle one of the most seductive myths in personal finance: the promise of high returns, no risk, and tax-free income. Using the lawsuit filed by Kyle Busch against Pacific Life as a case study, they expose the dark mechanics of indexed universal life insurance—hidden commissions, opaque costs, fabricated indexes, and returns that quietly disappoint. The episode then pivots to listener questions on diversification mistakes, Roth vs. traditional 401(k)s, late-career pivots into financial advice, ETF selection for retirees, and why doing less with your portfolio almost always beats doing more. 0:04 Post-Christmas welcome, Kyle Busch jokes, and why rich people get fleeced too 1:18 Indexed Universal Life explained (and why it's not an investment) 1:45 The “bank on yourself” fantasy and why it never dies 2:27 $10.5 million in premiums and promises of $800K tax-free income 3:20 Why IULs avoid SEC and FINRA scrutiny entirely 4:21 The sixth premium notice that blew up the deal 4:41 How IULs implode if you stop paying—and why everything can vanish 5:52 “Tax-free income, high returns, no risk” exposed as marketing fiction 6:01 Hidden commissions, alleged 35% payouts, and zero disclosure 7:37 Proprietary indexes designed to benefit insurers, not investors 8:50 Internal Pacific Life doc: “Don't call yourself a financial planner” 9:57 Why consumers can't see costs, commissions, or real returns 11:37 Real-world IUL returns: roughly 3–5% annually 12:23 Why even Kyle Busch doesn't actually need life insurance 13:44 Caveat emptor—and why “Life” in the firm name should trigger alarms 14:03 Listener portfolio question: 60/15/25 isn't diversified 14:53 The S&P 500 isn't “the market” (and seven stocks prove it) 15:54 Simple global solutions vs. portfolio over-engineering 17:11 Podcast tech humor and March seminar tease 17:22 Listener praise—and teaching people how to find podcasts 18:11 2026 seminar date confirmed: March 7 19:23 Career pivot at 53: CFP vs. AFC vs. Series 65 22:02 Why fiduciary firms are hiring—and sales shops are traps 23:22 ETF selection for retirees: growth, risk, and tax efficiency 24:27 Why Morningstar confuses more than it helps 25:07 Dimensional, Avantis, and keeping portfolios simple 26:20 Final thoughts, free fiduciary consults, and year-end wrap Learn more about your ad choices. Visit megaphone.fm/adchoices

In this eye-opening episode of Unleashing Intuition Secrets, Michael Jaco welcomes back David Sereda — savant physicist, Tesla patent researcher, mathematician, and writer — for a deep exploration into 3I Atlas, consciousness, and the hidden mechanics of the universe. David shares groundbreaking insights into 3I Atlas communication, revealing how this interstellar object may interact with consciousness itself through hyper-dimensional principles rather than conventional physics. Drawing from his background in advanced mathematics, Tesla research, and remote viewing, David explains why reality may function more like a living information field than a purely physical system. The conversation weaves together ancient history, modern science, and biblical symbolism, examining extraordinary synchronicities involving universal angles, celestial timing, massive power outages, and historical references that appear to align with major cosmic events. David discusses ancient technologies, bio-antenna theory, and how the human nervous system may be designed to receive and transmit information beyond space and time. Michael and David also explore remote viewing experiences, consciousness as a non-local phenomenon, and why civilizations throughout history may have understood far more about energy, geometry, and communication than modern society acknowledges. These insights challenge conventional thinking and invite listeners to reconsider what intelligence, contact, and awareness truly mean. This episode is not speculative entertainment — it's a serious inquiry into consciousness, cosmology, and humanity's place in a multi-dimensional universe. If you're fascinated by 3I Atlas, Tesla's hidden work, ancient knowledge, and the future of human awareness, this conversation will expand how you see reality itself.

Support the showThank you for listening to this podcast! Follow Pastor James D. Gailliard on all social media @jdgailliard and get connected with Word Tabernacle Church by going to https://wordtab.net/ #EveryoneThriving

BEST OF 2025 featuring BAMBINODJ, BARKER, BIOSPHERE, BROKEN LIP, DAN CURTIN, DANIEL AVERY, DJ POLO, DJRUM, IMPÉRIEUX, KINOTEKI + DJ FLP, MARIE DAVISON, NICK LEÓN + JOHNNY FROM SPACE, PAUL ST. HILAIRE, PURELINK, TORTOISE, WEVAL + many more on this extended ABSTRACT SCIENCE year-in-review podcast. Co-hosts CHRIS WIDMAN, BILL BEARDEN aka WHOA-B, JOSHUA P FERGUSON + HENRY SELF mix 4 hours of future music favorites from 2025. [aired 04 + 11 December 2025 on WLUW-Chicago 88.7FM] >CHRIS WIDMAN Lapalux “Bias Angel” (On The Grid, LPLX, 2025) Coen “Headbanger” (Moshpit, Maloca, 2025) Verraco “Basic Maneuvers” (XL Records, 2025) Dan Curtin “Trust Blind” (The 4 Lights, De:tuned, 2025) Surgeon “Soul Fire” (Shell~Wave, Tresor, 2025) Fjaak +J.Manuel “Binder” (Tectonic Sound, Tectonic, 2025) Weval “Dopamine (DJ Edit)” (Ninja Tune, 2025) Dean Grenier “View Source” (Hand Works Music, 2025 Impérieux “Fena” (Hessle Music, 2025) Barker “Stochastic Drift (Stochastic Drift, Smalltown Supersound, 2025) jonathan d. valdez “Music Frozen Dancing” (Perception, 2025) Deft + Manni Dee “Busy Bee” (Swamp Season, Hooversound, 2025) Batu “Clump” (Question Mark, Lethal Press, 2025) Undulae “Temple Of Symmetry” (Temple Of Symmetry EP, Satellite Era, 2025) Slikback “Data” (Tempa, 2025) easygoingtech “909local” (easygoingtech, 2026) >BILL BEARDEN Kinoteki & DJ FLP “160 Proof” (Limiting Factor, 2025) AJ Tracey & Jorja Smith “Crush” (Casement Remix, Not On Label, 2025) Proc Fiskal “UK Torrent” (Shleekit Doss, 2025) Freedjom “13-8=0_0” (DJ Strawberry’s Düğün Fix, Beat Machine, 2025) Nectax “Soundboy Gambit” (Over/Shadow, 2025) Sully “The Wash” (Fabriclive, 2025) Broken Lip “Neighbourhood” (pt.1+2, Iberian Juke, 2025) Cesco “Flump” (Pineapple Records, 2025) JD Reid & Hagan “Leaf” (Baby Gravy, 2025) TMSV “Dimensional” (Perfect Records, 2025) Darama & Kush Arora “Rattle” (Not On Label, 2025) bambinodj “Carrier” (OST, 2025) DJ Polo “Currents” (Night Slugs, 2025) Anecho “Spiritual Blitz” (Dimeshift, 2025) Low End Activist “Wave 03” (Best Intentions, 2025) L-VIS 1990 “Low Pulse” (Club Djembe, 2025) >JOSHUA P FERGUSON Bitchin Bajas “Skylarking” (Inland See, Drag City, 2025) Damon Locks “Hold the Dawn in Place (Beyond pt 2)” (List of Demands, International Anthem, 2025) Stone “Feely” (Dream Curtain Eternally Gentle, 3XL, 2025) Headache “Most Undo Tomorrow” (Thank You for Almost Everything, PLZ Make It Ruins, 2025) Stereolab “Immortal Hands” (Instant Holograms on Metal Film, Warp) Space Dimension Controller “Reflect Itself” (Six Beginnings, Test Pressing, 2025) Coatshek “Triple Virgo” (Sound Bath, Dark Entries, 2025) Sam Prekop “Font” (Open Close, Thrill Jockey, 2025) Biosphere “Like the End of the World” (The Way of Time, AD 93, 2025) Paul St Hilaire “Mary Jane Greenfield” (w/ The Producers, Kynant, 2025) Tortoise “Works and Days” (Touch, International Anthem, 2025) Djrum “Waxcap” (Under Tangled Silence, Houndstooh, 2025) james K “Hypersoft Lovejinx Junkdream” (Friend, AD 93, 2025) Sven Wunder “Misty Shore” (Daybreak, Piano Piano, 2025) >HENRY SELF Dijon “my man” (Baby, R&R/Warner, 2025) Oklou “Blade Bird” (Choke Enough, True Panther, 2025) Oneohtrix Point Never “D.I.S.” (Tranquilizer, Warp, 2025) John Glacier “Emotions” (Like a Ribbon, Young, 2025) Daniel Avery “Tremor” (Tremor, Domino, 2025) caroline “Beautiful Ending” (caroline 2, Rough Trade, 2025) FKA Twigs feat. PinkPantheress “Wild and Alone” (EUSEXUA Afterglow, Young, 2025) Marie Davidson “Statistical Modelling” (City of Clowns, Deewee, 2025) Effy “2011” (The Syndicate, Fragrance, 2025) Destroyer feat. Fiver “Bologna” (Dan’s Boogie, Merge, 2025) Amaarae & Charlie Wilson “Dream Scenario” (Black Star, Interscope, 2025) Whatever the Weather “3°C” (Whatever the Weather II, Ghostly International, 2025) Maria Somerville “Violet” (Luster, 4AD, 2025) Nick León feat. Jonny From Space “Metromover” (A Tropical Entropy, TraTraTrax, 2025) Darkside “S.N.C.” (Nothing, Matador, 2025) Purelink feat. Loraine James “Rookie” (Faith, Peak Oil, 2025) The post best of 2025 – absci radio 1398-1399 appeared first on abstract science >> future music chicago.

In a new mashup episode, Harry and Molly Jong-Fast swap questions about the White House's latest political embarrassments and legal embroilments. Molly wants to know: when—and how—will some of Trump's inner circle face criminal charges? Harry is curious: why did this press-hating White House let their guard down so spectacularly for Vanity Fair? Together, the pair make sense of the noisy headlines and lay out the real consequences behind the week's serving of scandals.  Molly's book:  https://www.penguinrandomhouse.com/books/738849/how-to-lose-your-mother-by-molly-jong-fast/Molly's podcast:  https://fastpoliticspod.com/Molly's Substack:  https://mollyjongfast.substack.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Milyssa talks with author, researcher and podcast host Neil Ward about his new book Modern Mysteries of the Unexplained. They discuss the infamous Dyotlov Pass incident, Bigfoot through the years, and a unique story of different time periods communicathing with each other. Don't miss this fascinating episode.Neil Ward is the co-host of the Paranormal Peep Show, and author of True Tales of the Paranormal and Modern Mysteries of the Unexplained. www.neilwardart.co.uk - Neil's web site featuring his artwork.Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

This week, we're back at HQ recapping the third and final live show of the year on the third-to-final podcast of 2025. Jack also ranks his FOUR birthday meals he was treated to,  we discuss Martha Stewart's "best way" to eat a bagel, and preview an upcoming interview with Susan Hoffman from Wit's End Giftique.EPISODE NOTES:It's 67 in the office (0:27)A quick history of "The Tube" (0:50)Takeaways from the holiday live show (6:50)Elmo's toes (15:15)Peaks and Pits presented by Albany Mechanical Services (25:56)Jack went 4 birthday meals deep (38:03)Santa's Nice List is now called the "Very Good List" (53:40)Nobody Asked Jack, But... (1:09:19)It cost HOW MUCH to send a package to London? (1:17:32)Visit Wit's End Giftique this holiday season for a one-of-a-kind shopping experience with over 50,000 square feet of retail space to explore and find unique, special gifts for your loved ones. 

My guest this week is Nathan Krieger, head of Dimensional Fund Advisors' global client group in Australia. We discuss the documentary "Tune Out the Noise," directed by Academy Award winner Errol Morris. The film highlights revolutionary ideas from 1960s University of Chicago academics that challenged Wall Street norms and led to index funds and efficient market theory.Blog post available at: https://www.sharesforbeginners.com/blog/tune-out-the-noiseWatch on YouTube right here.

In the premier episode of Trans-Dimensional Realities, host Milyssa Leigh talks with author and podcaster Kieran Stanislaw Mace.Kieran Stanislaw Mace is a graphic designer, author, podcaster and artist. Born in Oxford, UK, with Sardinian, Polish, and British heritage, he studied Graphic Design in Oxford before dedicating years to his professional design career. His deep interest in the paranormal began with an out-of-body experience and a profound encounter with an entity in his youth. This personal journey inspired him to share his story and delve deeper into the subject.He now hosts the podcast Paranormal Perspectives where he discusses the true nature of the paranormal with diverse guests. Additionally, he authored his first book, PARA∙NORMALITY, which details his first-hand experiences and encourages a healthy discussion about their meaning which you can read here: https://linktr.ee/para.normalityBecome a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.

It's fun to discover whole worlds you previously knew nothing of. The listener whose request we rolled this week made the request a few years ago at this point, and sent along some art of the cards they were interested in. And I was like, "oh, there are a decent number of these, huh?" Friends, I had no idea. Once we looked into the topic... wow. This card game has a lot of robots in it. And a lot of them are from names we know and love.... You can find a video version of this podcast for free on Scanline Media's Patreon! If you want to find us on Bluesky, Dylan is lowpolyrobot.bsky.social and Six is six.scanlinemedia.com. Our opening theme is the Hangar Theme from Gundam Breaker 3, and our ending theme for this episode is Resumption from Gundam Breaker 4. Our podcast art is a fantastic piece of work from Twitter artist @fenfelt. Want to see a list of every unit we've covered from every episode, including variants and tangents? It's right here. The Scanline Media Discord can be found here! Units discussed: Dimensional Robo, Corekaiser Dimensional Robo, Kaizard Super Dimensional Robo, Daikaiser Dimensional Robo, Kaisergrader Super Dimensional Robo, Shadowkaiser Ultimate Dimensional Robo, Great Daikaiser Legendary Dimensional Robo, Daikaiser Leon Dimensional Robo, Daibazooka Super Dimensional Robo, Dailady

My guest this week is Nathan Krieger, head of Dimensional Fund Advisors' global client group in Australia. We discuss the documentary "Tune Out the Noise," directed by Academy Award winner Errol Morris. The film highlights revolutionary ideas from 1960s University of Chicago academics that challenged Wall Street norms and led to index funds and efficient market theory.Blog post available at: https://www.sharesforbeginners.com/blog/tune-out-the-noiseWatch on YouTube right here.

In this groundbreaking interview, spiritual teacher Jim Self returns to reveal one of the most important updates he has ever shared from Metatron and the Mastering Alchemy teachings. Jim breaks down the hidden energetic timeline that began in 2012, why humanity now sits at the edge of a massive 2026 split, and how the structures of reality — including our monetary system, consciousness fields, and personal identity templates — are quietly reorganizing behind the scenes. He explains how dimensional layers are dissolving, how “the old emotional body” is being replaced by a more coherent 5D operating system, and what Metatron means when he says the next three years will determine who can stabilize into higher bandwidths of perception and who remains in collapsing 3D structures.We also explore how the 5D financial system emerges not through institutions, but through internal alignment, coherence, neutrality, and the rebuilding of one's personal Lightbody architecture. Jim offers a precise explanation of the “2026 bifurcation,” how time itself is rearranging, why the external world appears more chaotic while the internal world becomes quieter, and how to prepare for the transition by mastering attention, emotional sovereignty, and the “fields of living light” now activating on the planet. Packed with rare clarity and multidimensional insight, this episode is essential for anyone tracking the 2024–2030 shift, the rise of New Earth systems, and the next phase of human evolution.Jim Self is an internationally recognized teacher and consciousness leader, renowned for his work with the Archangelic realms and the field of high-level transformation. Founder of the “Mastering Alchemy” curriculum, he has been guiding thousands of evolving souls toward energetic sovereignty, temporal mastery, and the re-wiring of the human operating system. Over the past three decades, his transmissions have touched multiple dimensions of awareness — with a rare blend of spiritual activation tools, prophetic insight, and practical embodiment frameworks.___________________PODCAST CHAPTERS00:00 - Jim Self Intro3:21 – What Jim Is Most Excited About in 20254:21 – Signs the Acceleration Is Happening Now4:44 – How Linear Time Is Collapsing8:36 – Time Collapse & the Return of New Human Abilities10:12 – Why 2012 Changed Everything11:42 – The New Operating System of Reality12:42 – 3D Appearing the Same… but Actually Gone14:04 – The Monetary System Collapse & the Coming Reset16:42 – Blockchain, Freedom & the New Global Economy18:51 – “Whose Story Are You?” 21:07 – Trauma Dissolving in the New Light22:42 – Metatron's Role in the Future of Humanity24:00 – How Creation Works26:28 – Atlantis, Lemuria & the Cycles of Human Evolution30:40 – The Yeshua–Magdalene Frequency37:45 – The Energetic Themes Reshaping This Year40:40 – Planetary Upheaval & the Collapse of Old Systems43:09 – The Truth About AI47:40 – The Unified Psychic Senses Turning Back On53:24 – The Post-2012 Children & the Future Human1:02:26 – What Metatron Wants Humanity to Know1:03:49 – Untold Stories of Yeshua & Mary Magdalene1:08:14 – What 2026 Really Represents ___________________Guest: Jim Self | Mastering Alchemy✦ Website | https://masteringalchemy.com/✦ Project Park Bench | https://projectparkbench.com/✦ Jim's Books | https://masteringalchemy.com/books/✦ Mastering Alchemy Courses | https://masteringalchemy.com/courses/Host: Emilio Ortiz✦ IG |   / iamemilioortiz  ✦ Subscribe to Channel |    / emilioortiz  ___________________© 2025 Emilio Ortiz. All rights reserved. Content from Just Tap In Podcast is protected under copyright law.Legal Disclaimer: The views, thoughts, and opinions expressed by guests on Just Tap In are solely those of the guest and do not necessarily reflect the views or opinions of Emilio Ortiz or the Just Tap In Podcast. All content is for informational purposes only and should not be considered professional advice.

What happens when alternative investments shift from niche products to the industry's go-to value proposition? In this episode, we're joined by financial planner and self-described "pathological nerd" Aravind Sithamparapillai for a rigorous exploration of private markets, product due diligence, advisor incentives, and the narratives driving the surging popularity of alts. Aravind has become known in advisor circles for asking the uncomfortable questions at conferences—the ones that expose gaps in explanations, shaky assumptions, and in some cases, outright contradictions. In this conversation, he shares the stories and analytical frameworks behind his deep dives into mortgage funds, private credit, private real estate, IRR-based marketing, vintage stacking, stale pricing, operational risk, and why even large professional allocators get burned. We explore how advisors are selling alts, how funds are pitching them, what due diligence actually requires, how expected returns can be decomposed, and why illiquidity and "low correlation" benefits rarely play out in practice. Aravind also explains how some funds maintain stable NAVs through "extend and pretend," how gating works, why audited financials aren't a safety blanket, and why even top-tier firms miss red flags. Key Points From This Episode: (0:00:38) Aravind's introduction and reputation for deep, "pathological" research (0:02:23) Why alts have become embedded in Toronto's planning culture (0:03:38) Client pressure, advisor FOMO, and the belief that 60/40 is "broken" (0:05:31) Aravind's personal path into indexing, factors, and Dimensional (0:10:46) Why he started digging into alts: curiosity, client conversations, and advisor narratives (0:13:47) The "conference meme": why he asks questions others avoid (16:58) The role of intellectual honesty vs. industry narratives (20:19) The pivotal 2023 mortgage fund story: duration, turnover, and a major contradiction (22:51) "Extend and pretend": how stable NAVs can be manufactured (28:59) What "gating" actually means and why it matters (31:48) Marketing tactics: cherry-picked start dates and chart crimes (32:47) IRR manipulation, vintage stacking, and anchoring bias (36:35) Why comparing gross private credit returns to net equity returns is misleading (39:18) The problem with "low correlation" as a selling point (41:00) Why rebalancing with illiquid assets often fails in practice (44:58) How Aravind builds expected return estimates for alts (47:07) Private real estate: why expected returns often land near public market levels (48:48) A case study: apparent outperformance disappears once you match the right benchmark (51:43) The idiosyncratic risk of overweighting single-sector, single-region REITs (55:12) Why most advisors don't truly understand the all-in fees (58:00) What real due diligence should include (and why it's so hard) (1:00:35) Should advisors trust third-party due diligence providers? (1:02:58) How much comfort should investors take from audited financials? (1:05:02) Why valuation levels (1–3) matter and why most private funds use Level 3 inputs (1:06:00) The overall conclusion: markets work, but alts require extraordinary scrutiny Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Ben Wilson on LinkedIn — https://www.linkedin.com/in/ben-wilson/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

The Sophia Grid, ascension timelines, and the cosmic architecture of Earth's future.Watch Now Highlights:1) Marilyn Gewacke & ZaZar: Building the 12th Golden Bridge2) Ancient light codes, new civilizations, comet activations, and the awakening of the New Human.3) The Sophia Grid, ascension timelines, and the cosmic architecture of Earth's future.4) The New Dawn of Earth.5) Galactic wisdom, unity templates, and the Golden Bridge to the next civilization.Enter a world of channeling, ET's, metaphysics & multidimensional truth. Dare to Dream reveals what most shows won't touch — and what your soul's been asking for.Marilyn Gewacke is here today carrying transmissions that could change how you understand your soul's mission, humanity's future, and the very architecture of reality. In the next moments, you'll discover why her connection with ZaZar — an omnidimensional cosmic intelligence — offers urgently-needed guidance for navigating the ascension, the new grids forming on Earth, and the Golden 12th Bridge now awakening across our planet. Stay with us, because what you're about to hear is not theory — it's a roadmap for the New Human, and a direct energetic upgrade for your consciousness. To learn more: ⁠https://www.TheShift.Rocks⁠Enjoy free access to a Starseed Video & Report to discover your galactic origins at DebbiDachinger.com/starseedIf you're ready for profound personal transformation, join the Dec 10, 2025 monthly shamanic healing session —90 mins of powerful clearing, activations, and soul alignment — sign up now at ⁠DebbiDachinger.com/healing⁠L.A. Conscious Life Expo: Marilyn and I will be speaking there Feb 20-23, 2026:⁠ https://debbidachinger.com/cle⁠New class starts January 6, 2026 - Shamanism Level One: ⁠https://debbidachinger.com/L1⁠IG: @daretodreampodcast @debbidachingerHosted by Debbi Dachinger, award-winning broadcaster, shamanic healer, & book launch mentor for authors ready to rise.#debbidachinger #MarilynGewacke #ZaZar #cosmiccontact #fifthdimension #ascensionjourney #12thGoldenBridge #newhuman #galacticwisdom #lightcodes #divinefemininerising #SophiaGrid #UnityTemplate #daretodreampodcast #channeling #elfin #omnidimensional #soul #EarthGrids #ascension #retreatBecome a supporter of this podcast: https://www.spreaker.com/podcast/dare-to-dream-with-debbi-dachinger--1980925/support.

Support the show to get full episodes, full archive, and join the Discord community. The Transmitter is an online publication that aims to deliver useful information, insights and tools to build bridges across neuroscience and advance research. Visit thetransmitter.org to explore the latest neuroscience news and perspectives, written by journalists and scientists. Read more about our partnership. Sign up for Brain Inspired email alerts to be notified every time a new Brain Inspired episode is released. To explore more neuroscience news and perspectives, visit thetransmitter.org. Tatiana Engel runs the Engel lab at Princeton University in the Princeton Neuroscience Institute. She's also part of the International Brain Laboratory, a massive across-lab, across-world, collaboration which you'll hear more about. My main impetus for inviting Tatiana was to talk about two projects she's been working on. One of those is connecting the functional dynamics of cognition with the connectivity of the underlying neural networks on which those dynamics unfold. We know the brain is high-dimensional - it has lots of interacting connections, we know the activity of those networks can often be described by lower-dimensional entities called manifolds, and Tatiana and her lab work to connect those two processes with something they call latent circuits. So you'll hear about that, you'll also hear about how the timescales of neurons across the brain are different but the same, why this is cool and surprising, and we discuss many topics around those main topics. Engel Lab. @engeltatiana.bsky.social. International Brain Laboratory. Related papers: Latent circuit inference from heterogeneous neural responses during cognitive tasks The dynamics and geometry of choice in the premotor cortex. A unifying perspective on neural manifolds and circuits for cognition Brain-wide organization of intrinsic timescales at single-neuron resolution Single-unit activations confer inductive biases for emergent circuit solutions to cognitive tasks. 0:00 - Intro 3:03 - No central executive 5:01 - International brain lab 15:57 - Tatiana's background 24:49 - Dynamical systems 17:48 - Manifolds 33:10 - Latent task circuits 47:01 - Mixed selectivity 1:00:21 - Internal and external dynamics 1:03:47 - Modern vs classical modeling 1:14:30 - Intrinsic timescales 1:26:05 - Single trial dynamics 1:29:59 - Future of manifolds

46:21 – The Pan Dimensional Poop Chute – it’s a revolution in waste disposal! Just dump your effluent in Narnia! Doc Sleaze explores this and other technological innovations, such as the joy of seX, brought to you by Elon Musk. Plus, is heaven too woke? Creating the illusion of politics for the extremists. The truth […]

Trey's linksThe Meadow Project filmhttps://merkelfilms.com/programs/the-meadow-projecthttps://www.treyhudsonresearch.com/Forbidden Knowledge Network https://forbiddenknowledge.news/ FKN Link Treehttps://linktr.ee/FKNlinksWe are back on YouTube! https://youtube.com/@forbiddenknowledgenews?si=XQhXCjteMKYNUJSjBackup channelhttps://youtube.com/@fknshow1?si=tIoIjpUGeSoRNaEsDoors of Perception is available now on Amazon Prime!https://watch.amazon.com/detail?gti=amzn1.dv.gti.8a60e6c7-678d-4502-b335-adfbb30697b8&ref_=atv_lp_share_mv&r=webDoors of Perception official trailerhttps://youtu.be/F-VJ01kMSII?si=Ee6xwtUONA18HNLZPick up Independent Media Token herehttps://www.independentmediatoken.com/Be prepared for any emergency with Prep Starts Now!https://prepstartsnow.com/discount/FKNStart your microdosing journey with BrainsupremeGet 15% off your order here!!https://brainsupreme.co/FKN15Book a free consultation with Jennifer Halcame Emailjenniferhalcame@gmail.comFacebook pagehttps://www.facebook.com/profile.php?id=61561665957079&mibextid=ZbWKwLWatch The Forbidden Documentary: Occult Louisiana on Tubi: https://link.tubi.tv/pGXW6chxCJbC60 PurplePowerhttps://go.shopc60.com/FORBIDDEN10/or use coupon code knowledge10Make a Donation to Forbidden Knowledge News https://www.paypal.me/forbiddenknowledgenehttps://buymeacoffee.com/forbiddenJohnny Larson's artworkhttps://www.patreon.com/JohnnyLarsonSign up on Rokfin!https://rokfin.com/fknplusPodcastshttps://www.spreaker.com/show/forbiddenAvailable on all platforms Support FKN on Spreaker https://spreaker.page.link/KoPgfbEq8kcsR5oj9FKN ON Rumblehttps://rumble.com/c/FKNpGet Cory Hughes books!Lee Harvey Oswald In Black and White https://www.amazon.com/dp/B0FJ2PQJRMA Warning From History Audio bookhttps://buymeacoffee.com/jfkbook/e/392579https://www.buymeacoffee.com/jfkbookhttps://www.amazon.com/Warning-History-Cory-Hughes/dp/B0CL14VQY6/ref=mp_s_a_1_1?crid=72HEFZQA7TAP&keywords=a+warning+from+history+cory+hughes&qid=1698861279&sprefix=a+warning+fro%2Caps%2C121&sr=8-1https://coryhughes.org/Become Self-Sufficient With A Food Forest!!https://foodforestabundance.com/get-started/?ref=CHRISTOPHERMATHUse coupon code: FORBIDDEN for discountsOur Facebook pageshttps://www.facebook.com/forbiddenknowledgenewsconspiracy/https://www.facebook.com/FKNNetwork/Instagram @forbiddenknowledgenews1@forbiddenknowledgenetworkXhttps://x.com/ForbiddenKnow10?t=uO5AqEtDuHdF9fXYtCUtfw&s=09Email meforbiddenknowledgenews@gmail.comsome music thanks to:https://www.bensound.com/ULFAPO3OJSCGN8LDDGLBEYNSIXA6EMZJ5FUXWYNC6WJNJKRS8DH27IXE3D73E97DBecome a supporter of this podcast: https://www.spreaker.com/podcast/forbidden-knowledge-news--3589233/support.

Recorded live at the Practice Management Symposium, Dave Butler, Co-CEO of Dimensional Fund Advisors talks with Catherine Williams, Dimensional's Head of Practice Management, about developing and sustaining an organization's mission, vision, and values and why this work matters to advisors. Dave discusses how guiding principles shape culture, decision-making, and the client experience and offers insight into staying aligned as teams grow and evolve. He also highlights how advisors can translate these principles into daily practice, strengthen firm identity across generations, and communicate a clear, consistent message to clients.

In this episode, we're joined by Mamdouh Medhat, VP and Senior Researcher at Dimensional Fund Advisors, for an exceptionally deep, exceptionally nerdy exploration of factor investing—focusing on profitability, value, defensive equity, and the persistent misunderstandings that surround them. Mamdouh walks us through his retrospective paper (co-authored with Robert Novy-Marx) on the profitability premium, why profitability subsumes a wide range of quality metrics, and why it dramatically clarifies how we should think about defensive/low-volatility strategies. He also explains the role of profitability in value's US underperformance since 2007, why price-to-book remains a remarkably effective valuation metric, and how Dimensional incorporates these insights into portfolio construction. In the second half of the conversation, we shift to private markets. Mamdouh unpacks Dimensional's research on buyouts, venture capital, private credit, and private real estate—revealing what percentage of the global investable universe these funds actually represent, how to benchmark them properly, how much dispersion exists across managers, how fair-value accounting changed the game post-2007, and why many perceived diversification benefits are actually just return smoothing. Key Points From This Episode: (0:04) Intro to Mamdouh Medhat and why his research fits the Rational Reminder "nerdy happy place." (1:32) The story behind Mamdouh's retrospective paper with Robert Novy-Marx and the impact of the original profitability research on academia and practice. (5:36) Three things the paper examines: quality investing, defensive/low-risk strategies, and value—unified through profitability. (6:55) Why none of the 15 major academic and practitioner quality metrics add explanatory power beyond profitability. (8:18) How spanning tests show profitability explains quality, but quality does not explain profitability. (12:24) Quality measures largely load on profitability—they're noisier versions of the same thing. (13:14) The link between quality metrics and fundamental momentum, especially for QMJ and quarterly ROE. (15:18) Practical implications: profitability is a parsimonious, more efficient way to capture the "quality" dimension. (16:30) Defensive equity through the profitability lens—why high profitability predicts low volatility. (18:58) Why long-only low-volatility strategies produce zero five-factor alpha—and why a simple high-profitability/low-investment portfolio plus T-bills beats them. (22:14) Alternative value metrics (EBITDA/EV, intangible-adjusted book-to-market, etc.) don't outperform price-to-book when profitability is accounted for. (24:57) Many "improved" value metrics simply rotate in profitability exposure, not better value information. (26:17) Roughly half of US value's post-2007 underperformance is explained by its negative correlation with profitability. (28:42) Industry tilts (e.g., energy/financials vs. tech/healthcare) drive much of value's volatility—not its long-term return. (30:33) The theoretical case for combining clean valuation (price-to-book) with clean expected cash flow (profitability). (33:36) Academic implications: models must jointly explain value and profitability—and their negative correlation. (35:09) Practitioner implications: parsimony—use clear valuation and cash-flow measures, limit excessive complexity. (36:53) How Dimensional measures profitability: operating profitability (revenue – COGS – SG&A – interest) scaled by book equity. (41:09) Why tilting toward or away from countries based on aggregate characteristics rarely adds value—premiums come from stocks, not countries. (42:57) Industry-level tilts show similar patterns—industry momentum exists but is impractical due to massive turnover. (46:15) How Dimensional handles country and industry weights: sort within countries, then apply sector caps. (48:27) Private markets: private funds make up roughly 10% of the global investable universe—not 25–100% as sometimes claimed. (50:53) Benchmark choice for private funds is crucial—S&P 500 is not appropriate for buyouts or VCs. (52:00) Using KSPME (public-market equivalent), buyouts and VCs match small-cap value/growth benchmarks; private credit matches high yield; private real estate underperforms listed real estate. (55:50) Factor exposures post-2007 explain 70–80% of private-fund return variation due to fair-value accounting. (1:00:48) Wide dispersion in private-fund performance—top 5% double or triple capital; bottom 5% lose half. (1:03:49) Little evidence of manager persistence—manager selection must rely on due diligence, not past vintages. (1:08:24) No strong time trend in private-fund outperformance, but correlations with public markets have increased. (1:09:13) Many diversification benefits historically attributed to private assets were actually illiquidity-driven smoothing. (1:12:25) Rising demand and democratization likely reduce expected returns in private markets—exclusivity is fading.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582.  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

**Podcast Highlights**1) . How do we stabilize in a world that is rapidly deconstructing?2) How do we navigate reality when the rules we once lived by no longer apply?3) What is the purpose behind the global unraveling we're seeing… and what is emerging from its transition?4) How our multidimensional selves communicate with star civilizations, councils, and cosmic networks?

In this episode of Money & Meaning, host Jeff Bernier speaks with Kacie Walsh, Vice President at Dimensional Fund Advisors. They explore Dimensional's evolving toolkit of tax-focused investment solutions designed to help clients keep more of what they earn. The conversation spans mutual funds, ETFs, SMAs, exchange funds, and 351 ETFs, explaining how each tool fits into a broader tax management strategy. Kacie also outlines how Dimensional's daily, data-driven approach supports personalized portfolios and long-term efficiency for investors. Topics covered: Kacie Walsh's professional background and current role at Dimensional Fund Advisors Why Dimensional's evidence-based, data-driven approach matters in tax-focused investing Overview of tax loss harvesting and why fund and ETF lineup depth supports it Differences in tax efficiency between ETFs and mutual funds—and how Dimensional narrows the gap Update on Dimensional's ETF share class application and what it means for investors SMA (separately managed account) use cases, especially for high net worth individuals How Dimensional's SMAs differ from traditional direct indexing solutions Behavioral and operational considerations of owning hundreds of individual securities Understanding portfolio lock-up and how to plan for long-term SMA use Exchange funds as tools for diversifying out of concentrated stock positions 351 ETFs as a strategy to consolidate appreciated securities tax efficiently Overview of long/short SMAs and how they attempt to generate more tax alpha How advisors and clients can assess the trade-offs in these advanced strategies Useful Links: Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/ TandemGrowth Financial Advisors: https://www.tandemgrowth.com/ Kacie Walsh on LinkedIn: https://www.linkedin.com/in/kacie-walsh-5787a297

Don fields a full slate of listener questions on everything from SGOV vs. high-yield savings accounts to the differences between AVUV and DFSV, why international stocks belong in a portfolio (but shouldn't dominate it), and whether equal-weighted funds solve the “Magnificent 7” concentration problem. He digs into target-date and bond-fund suitability for short-term money, clarifies what “rules-based” really means for Avantis and Dimensional, and gently deflates misconceptions about long-term international outperformance. Along the way he riffs on talk radio's decline, teases Tom's dad jokes, and reinforces the core message: diversify, know your time horizons, and don't overthink what good academic research already tells us. 0:04 Don opens Q&A Friday and reflects on radio's slow fade 2:20 SGOV vs. high-yield savings accounts for emergency cash 5:13 Why AVUV and DFSV only overlap ~40% despite similar factors 8:43 Which fund is “wilder”: AVUV vs. DFA small value 9:54 Why international stocks belong in a portfolio—but not overweighted 11:41 Long-term U.S. vs. international return history 14:51 S&P 500 concentration and equal-weight ETF considerations 18:44 Equal-weight vs. small-value tilt vs. rules-based funds 20:07 Where to put 2–3 year money: savings, CDs, BND, or a near-dated target-date fund? 23:13 Better language than “active”: rules-based vs. systematic Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian Daboll is OUT, and the Giants are in reset mode. Bob Papa and Carl Banks break down all the latest changes inside the building and preview Giants vs. Packers. With Mike Kafka stepping in as Interim Head Coach and Jameis Winston elevated to QB1 while Jaxson Dart is in concussion protocol, the guys dive into how the offense must adjust this week. They also react to Shane Bowen's comments on the defensive fixes needed and lay out their keys to the game as the Giants look for win No. 3. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Rational Reminder, Ben Felix, Cameron Passmore, and Ben Wilson return with a classic AMA format—answering listener questions that dig deep into the behavioral and evidence-based foundations of sensible investing. From lump-sum investing to the psychology of advice, the trio blend data, humor, and clear thinking to demystify complex financial ideas. They discuss the behavioral logic behind dollar-cost averaging, why mutual funds might actually be more tax-efficient than ETFs in Canada, and whether technology could ever truly replace human financial advisors. Plus, they share their biggest investing mistakes (yes, Bitcoin makes an appearance), dissect the rise of "buffered" ETFs, and explain why chasing complexity usually costs investors more than it helps. Key Points From This Episode: (0:00:05) Introduction – The first episode featuring all three hosts together: Ben Felix, Cameron Passmore, and Ben Wilson. (0:44) OneDigital update: expanding evidence-based advice across Canada with new PWL partners in Halifax. (2:36) The mission in motion – bringing the "markets work and planning matters" philosophy to more Canadians. (5:29) "Finding and funding a good life" – how PWL integrates wellness and happiness into financial planning. (6:16) AMA Question 1: Lump-sum vs. dollar-cost averaging — why lump-sum wins 65% of the time. (10:05) Base rates, behavioral regret, and the real role of an advisor. (12:22) The 2020 PWL paper results and how behavioral hedging fits in. (16:10) If dollar-cost averaging feels safer, maybe your portfolio is too aggressive. (18:08) AMA Question 2: Advice for smaller portfolios — how technology, AI, and fee-only planners can fill the gap. (21:01) Can AI really replace advisors? Cameron's Waymo analogy sparks debate. (23:33) AMA Question 3: Mutual funds vs. ETFs — why in Canada, mutual funds may actually be more tax-efficient. (30:00) The Capital Gains Refund Mechanism (CGRM) explained — and why it matters. (34:31) Dimensional's Canadian funds vs. Vanguard ETFs — tax distribution data that surprises most investors. (37:40) AMA Question 4: Are discount bonds priced for tax efficiency? The evidence says no—discount bonds still win. (42:23) AMA Question 5: Biggest investment mistakes — from Bitcoin regrets to house-buying reflections. (48:15) AMA Question 6: Buffered ETFs — comfort, complexity, and why simple portfolios outperform. (53:45) Simplicity as a superpower — why "markets work" is still the most radical idea in finance. (55:27) AMA Question 7: Updating the RR model portfolio — why there's no "optimal" portfolio and simplicity wins again. (58:31) After show: Reviews, humor, and a reminder about "No Net Worth November." (1:04:15) Life offline — Cameron's reflections on quitting social media and finding clarity. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Don and Tom question a surprising Wall Street Journal column arguing that annuities should become the default option in 401(k) plans. They explore why the idea is gaining traction, where the logic breaks down, and how the insurance industry benefits when complexity outpaces understanding. Along the way, they dig into the real shortcomings of annuities—fees, opacity, inflation risk, liquidity traps—and why “guarantees” often mask the true cost. Listener questions follow, covering tax-efficient stock cleanup at Schwab, spouse disagreements over individual stock picking, automatic ETF withdrawals at Vanguard, and building Dimensional portfolios inside Aspire plans. 0:04 Don's rant: “What the world needs now is… more annuities?” 1:20 WSJ's argument: make annuities the 401(k) default 2:05 Why income complexity doesn't justify default annuities 3:01 Do annuities actually solve longevity risk? 3:29 Inflation, joint-life costs, and who really wins 4:20 Insurance industry reputation and the unanswered criticisms 5:15 High fees, opacity, and why mistrust is earned 5:59 Are annuity sales tactics the real barrier? 7:02 Should annuities be in 401(k)s at all? Don vs. Tom 7:36 Why annuities are mostly sold, not bought 9:10 Liquidity traps and major-life-event risks 10:01 Why “plans” matter more than “products” 10:57 Listener questions: why nobody calls anymore 11:14 Q1: Selling a brokerage full of individual stocks at Schwab 12:46 Q1b: How to convince a spouse who loves stock picking 14:21 Indexing vs. anecdotal evidence 16:21 SPIVA data and why active managers lose 17:02 Q2: Can Vanguard automate ETF withdrawals? 19:05 Fractional shares and why purchases are allowed 20:25 Q3: Aspire 403(b) options and DFA overload 23:46 How many DFA funds do you really need? 24:44 Micro-cap risks and portfolio sprawl 25:42 Tom's pumpkin-patch grandkid cameo Learn more about your ad choices. Visit megaphone.fm/adchoices

In our most recent episode, Natalie Picha, CXO, interviews Apollo Lepescu, Vice President at Dimensional Fund Advisors, one of the world's premier investment managers with close to $900 billion in assets under management. Apollo is known for his ability to simplify complex topics into more digestible concepts, and in this episode he helps listeners understand: • What history teaches us about what happens after market highs (hint: it's not a crash)• Why it's important to use the right measuring stick/benchmark when looking at the performance of your total portfolio• Why it's difficult to predict who the AI winners and losers will beWe're also sharing a link to the new investing film that Dimensional made and is making available for free on YouTube. The Wall Street Journal calls it "the story of radical ideas that became powerful enough to move trillions of dollars, and the main characters are renegade investors and unlikely titans who created the revolutionary financial products that we have come to depend on." Check out "Tune Out the Noise" and read what the Wall Street Journal had to say about it. If you enjoy our podcast, please take a moment to subscribe. We would love it if you would leave us a rating and a review, as it's the best way for us to reach other listeners. We'd also love it if you could share the podcast with your friends and family. You can find us on LinkedIn, Facebook and Instagram for additional content, or reach out through our website at royalharborpartners.com.Experience the difference of working with a firm that empowers your life—a firm that focuses on what matters most—you. Whether you are beginning your financial journey now or have already taken steps toward your ultimate life goals, we are here to guide you. https://podcasts.apple.com/us/podcast/rhp-market-talk/id1538051530

The Panthers' playoff momentum came to a sudden, screeching halt. In a truly disappointing performance, Carolina fell flat at home, losing 17-7 to the New Orleans Saints (2-8), dropping the team back to a 5-5 record.We break down everything that went wrong in a tough divisional loss:What Went Wrong:Run Game Stalled:The Saints successfully stacked the box, limiting Rico Dowdle to a season-low 53 yards. When the run game stops, the offense has NO ANSWERTurnover Trouble: QB Bryce Young struggled, committing two costly second-half turnovers (a fumble and a poor interception) that killed promising drives.Lack of Balance:** The passing game was virtually non-existent, generating just 124 yards through the air. The offense could not move the ball when forced to throw.The Upset: The Panthers played as the heavily favored team but were physically dominated from the second quarter on, proving they couldn't handle the pressure of expectation.What does this loss mean for the rest of the season? Can the team recover and find a much-needed passing attack? Let us know your reaction in the comments!#KeepPounding #Panthers #Saints #NFLRecap #BryceYoung #RicoDowdle #NFCSouth #NFLWeek10

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FOLLOW RICHARD Website: https://www.strangeplanet.ca YouTube: @strangeplanetradio Instagram: @richardsyrettstrangeplanet TikTok: @therealstrangeplanet EP. #1266 Portal Unleashed: Cracking Area 51's Dimensional Doorway In this mind-bending episode of Strange Planet, paranormal pioneer Joshua P. Warren reveals his audacious experiment: cracking open a real portal in the Nevada desert near Area 51. Using his invention, the Psionitron—a fusion of Tesla tech, occult principles, and cutting-edge science—Warren amplified a natural dimensional rift, unleashing swirling lights, mysterious orbs, and eerie entities. Watched by unmarked SUVs and military jets, he questions if he's bent reality itself. Dive into tales of ghosts, UFOs, time warps, and the risks of piercing the veil. Is this a breakthrough or a dangerous invitation? Discover the unseen frontiers that connect our world to the beyond. GUEST: Joshua P. Warren is a trailblazing paranormal investigator with over 30 years exploring the edges of reality—ghosts, UFOs, cryptids, psychic phenomena, time warps, and more. Host of STRANGE THINGS on the Coast to Coast AM Paranormal Podcast Network, he's a sought-after expert and creator of the "Wishing Machine." His groundbreaking work fuses science and the supernatural, culminating in the Psionitron device that allegedly opened a portal near Area 51. Visit JoshuaPWarren.com for his latest experiments pushing the boundaries of matter, energy, and the unknown. WEBSITES: https://www.joshuapwarren.com Psionitron.com The Real Black Mailbox BOOKS: How to Hunt Ghosts Pet Ghosts: Animal Encounters from Beyond the Grave Evil in Asheville Haunted Asheville Plausible Ghosts The Secret Wisdom of Kukulkan Poor Man's Paranormal Don't Play with Robert Use The Force: A Jedi's Guide to the Law of Attraction The Gringo Maniac Murder Spree Finding Your Magick Ghosts, UFOs, & Legends of Death Valley SUPPORT OUR SPONSORS!!! ⁠FABRIC BY GERBER LIFE⁠ Life insurance that's designed to be fast and affordable. You could get instant coverage with no medical exam for qualified applicants.   Join the thousands of parents who trust Fabric to help protect their family.  Apply today in just minutes at ⁠meet fabric dot com slash STRANGE⁠ ⁠TESBROS⁠ We're a small business built by Tesla owners, for Tesla owners. Everything we do is about helping our customers customize, protect, and maintain their ride — whether it's through our products or YouTube how-tos and reviews.  We're running an exclusive giveaway you won't want to miss! Enter now for your chance to win a DIY PPF Full Body Wrap kit tailored to your ride — either the Model Y Juniper or the Cybertruck. This prize is worth up to $2,500 and gives you the ultimate choice: Colored PPF. Clear Matte or Gloss PPF. Or even a Vinyl Wrap option for the Cybertruck Go to⁠ tesbros.com⁠ and use code POD15 for 15% off your first order. https://station.page/tesbros/contest/richardsyrettsstrange HIMS - Making Healthy and Happy Easy to Achieve Sexual Health, Hair Loss, Mental Health, Weight Management START YOUR FREE ONLINE VISIT TODAY - ⁠HIMS dot com slash STRANGE⁠ ⁠https://www.HIMS.com/strange⁠ MINT MOBILE Premium Wireless - $15 per month. No Stores. No Salespeople. JUST SAVINGS Ready to say yes to saying no? Make the switch at MINTMOBILE dot com slash STRANGEPLANET   ⁠BECOME A PREMIUM SUBSCRIBER!!!⁠  ⁠https://strangeplanet.supportingcast.fm⁠  Three monthly subscriptions to choose from.  Commercial Free Listening, Bonus Episodes and a Subscription to my monthly newsletter, InnerSanctum.  Visit ⁠https://strangeplanet.supportingcast.fm⁠ Use the discount code "Planet" to receive $5 OFF  off any subscription.  We and our partners use cookies to personalize your experience, to show you ads based on your interests, and for measurement and analytics purposes. By using our website and services, you agree to our use of cookies as described in our Cookie Policy. Learn more about your ad choices. Visit ⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://strangeplanet.supportingcast.fm/

In this extended Friday Q&A episode, Don answers six listener-submitted questions covering a wide range of personal finance and investing topics. He kicks off with a fiery takedown of cryptocurrency as a viable asset class, arguing it's based on hype and the greater fool theory. Other questions explore whether pensions should count as fixed income in asset allocation, the performance of Dimensional and Avantis funds versus traditional index funds, the pros and cons of Collective Investment Trusts in 401(k)s, and the strategic timing of Social Security. He ends by clarifying a common misconception about RMDs and Secure Act 2.0. Expect smart insights, a little snark, and the kind of blunt honesty that's rare in financial media. 0:04 Listener Q&A returns with an extra dose—six questions this time 1:07 Confusing podcast scheduling clarified (sort of) 2:11 Crypto as an asset class? Don calls it “entirely invented” and dismantles the use case hype 4:32 If civilization collapses, your Bitcoin won't save you 6:06 Crypto = greater fool theory; Don braces for hate mail 7:30 Dimensional/Avantis vs. index funds—do the extra fees pay off? 9:13 A 15-year comparison: Dimensional Global Equity vs. VT 11:43 Should a pension count as fixed income? Don says no—it's a volatility game, not income 15:48 CITs (Collective Investment Trusts) in 401(k)s—cheaper, but less transparent 18:58 Index funds should be your benchmark; Don suspects this one's active 20:02 Claiming Social Security early to preserve Roth? Don says the math rarely supports it 23:59 Secure 2.0 and RMD confusion—born in 1959? You still take RMDs at 73, not 75 26:15 Tech keeps improving—Don urges retirees to stay sharp, stay curious Learn more about your ad choices. Visit megaphone.fm/adchoices