Podcasts about diversified

What if you could have SIX Chase Sapphire Reserve cards—each with zero annual fees—while maxing your TSP and living an incredible life of travel? Air Force Captain Jared Mataitusi reveals exactly how he and his wife stack premium credit cards, earn elite status, fly family to Europe for free, and still save aggressively toward financial independence. This is the ultimate military financial strategy you've been waiting for. Jared shares how he went from credit card float in college to managing 32 cards with his wife, earning six-figure travel benefits annually while maintaining a high savings rate. The conversation covers upgrading Freedom cards to multiple Sapphire Reserves, using deployment sprints to accelerate wealth, flying family overseas on points, TSP automation strategies, and how military service is a "cheat code" to financial independence when approached intentionally. Key Topics & Questions Covered Credit Card Strategy Building Wealth on Active Duty Travel & Lifestyle Military Life & Financial Independence Philosophy & Mindset Resources & Links Mentioned Jared's Content: The Military Miler Podcast https://militarymiler.com/ Military Travel Rewards  https://militarytravelrewards.com/ Instagram: https://www.instagram.com/military_miler Credit Card Tools: Chase Sapphire Reserve & Freedom card upgrade strategy Amex Platinum multiple card strategy United Travel Bank for airline credits StubHub credit usage internationally Budgeting & Tracking: YNAB (You Need A Budget) https://www.ynab.com/ Monarch Money https://www.monarch.com/ Net worth tracking tools (Kubera, Google Sheets) https://www.kubera.com/ Books & Concepts: The Motivation Myth by Darren Hardy Die With Zero by Bill Perkins The Second Mountain by David Brooks Dave Ramsey's debt snowball method Morgan Housel on moving goalposts TSP & Investing: Military Money Manual TSP Course https://militarymoneymanual.com/tsp LADS Method: Low-cost, Automated, Diversified, Simple Financial Order of Operations (Military Version) Other Resources: Reddit Military Finance community https://www.reddit.com/r/MilitaryFinance/ Jesse Mecham (YNAB founder) on lifestyle creep Ramit Sethi: "No prize for living a smaller life" Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

In questo podcast ci poniamo una domanda che molti investitori si stanno facendo: è arrivato il momento di dire addio ai famosi Vanguard LifeStrategy?I nuovi ETF multiasset lanciati da Xtrackers possono davvero rappresentare un'alternativa più interessante?Analizziamo nel dettaglio cosa cambia tra questi strumenti, come sono costruiti, quali differenze ci sono nell'allocazione tra azioni, obbligazioni e oro e perché il lancio dei nuovi Xtrackers Diversified Portfolio potrebbe cambiare gli equilibri nel mondo degli ETF multiasset.Partendo da una simulazione realizzata dal nostro Ufficio Studi, confrontiamo il comportamento dell'Xtrackers Diversified Portfolio 80% Equity (LU3116008775) con il Vanguard LifeStrategy 80% Equity (IE00BMVB5R75), cercando di capire cosa ha inciso sulle performance recenti e quali elementi potrebbero fare la differenza nel futuro.Parliamo di costi, composizione, esposizione geografica, ruolo dell'oro, presenza delle small cap, copertura valutaria e logiche di ribilanciamento. Approfondiamo anche i vantaggi fiscali degli ETF multiasset e per quali tipologie di investitori possono avere senso all'interno di un portafoglio.

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

Is Europe's defense investment wave real, or is it simply venture capital wrapped in a Ukrainian flag?The debate featured Nicholas Nelson, General Partner at Archangel Ventures, and Sebastian von Ribbentrop, Founding Partner at Join Capital.At stake is more than narrative. It is about capability, returns, sovereignty — and the structural future of European capital markets.Until recently, defense investing in Europe was controversial. Many institutional LPs avoided the sector. ESG mandates were interpreted narrowly. Defense was often softened under the label “dual-use.” Russia's invasion of Ukraine changed the landscape. Defense budgets rose. Political rhetoric shifted. Venture capital began flowing into the sector at unprecedented levels.But the central question remains:Is this a structural capital reallocation — or a short-term momentum trade?The debate crystallizes around one fault line: defense-first vs dual-use.Nicholas argues Europe's hesitation to embrace defense-first investing is both strategically and financially misguided. Defense-only startups, he contends, have historically outperformed. Dual-use often dilutes focus by forcing two distinct go-to-market motions. Real capability requires designing directly for the warfighter — not adapting commercial products later. In his view, dual-use in Europe often functions as a reputational hedge rather than a strategy.Sebastian counters that dual-use is not compromise — it is risk management. Advanced technologies can serve both industrial and defense customers without duplicating entire teams. Diversified revenue reduces concentration risk. Non-dilutive defense contracts can substitute late-stage equity rounds in a region where growth capital remains thin. And Europe's comparative advantage may lie less in building vertically integrated primes — and more in dominating high-precision subsystems.As the conversation escalates, it moves beyond product strategy into a deeper structural issue: scale capital. Even where early-stage defense investment has improved, later-stage funding remains limited. Several leading European defense startups have relied heavily on US or Middle Eastern growth capital.Which raises uncomfortable questions:Can Europe build independent defense champions without foreign growth capital?Will its strongest companies inevitably “pick a flag” as they scale?Is fragmentation across 30+ procurement regimes Europe's structural disadvantage?Without coordination at scale, even strong early-stage ecosystems struggle to produce global champions.What's covered:00:30 Framing the question — structural shift or narrative trade?02:00 From taboo to trend — ESG optics and the Ukraine inflection point04:15 Defense-first vs dual-use — the core strategic divide07:30 The defense-first case — focus, procurement alignment, and capability building11:00 The dual-use counterargument — diversification and risk management14:30 Subsystems vs primes — where Europe's advantage may lie18:00 The growth capital gap — reliance on US and Middle Eastern funding21:00 “Picking a flag” — sovereignty vs scale23:30 Procurement fragmentation — 30+ regimes and scaling friction26:00 Final takeaway — Europe's defense future depends on capital conviction and coordination

Author Daisy Verduzco Reyes discusses the article, "How the Student Loan Repayment Pause Increased Latinx Borrowers' Agency and Diversified Their Spectrum of Emotions" published in Socius: Sociological Research for a Dynamic World.

FREE RESOURCE: Check out the Collective Creator Academy: https://michelle-peris.mykajabi.com/cca-evergreen FREE RESOURCE: Send your question into the speakpipe: https://www.speakpipe.com/drmichelleperis In this engaging conversation, Dr. Michelle and Dr. Tara discuss the evolving landscape of health care, emphasizing the importance of community, niche selection, and diversified offerings in practice.  They share personal experiences and insights on building in-person and online communities, the value of contribution and networking, and the necessity of patience and action in entrepreneurship.  The discussion highlights the significance of failure as a learning tool and the need for business education for clinicians.  Ultimately, they inspire listeners to take action, embrace their unique paths, and invest in their growth as health care professionals.   Takeaways Community is essential for healing and growth. Choosing a niche can help focus your practice. Diversified offerings can prevent scatter in your business. Networking and contributing value are key to success. Patience is crucial when building an audience. Failure is a part of the learning process. Investing in business education is vital for success. Taking action is more important than overthinking. Building trust takes time and consistency. You can create a successful practice by being of service.   Chapters 00:00 Introduction to the Podcast's Focus Areas 01:46 Building Community: In-Person vs. Online 05:18 Niche Selection and Its Importance 09:11 The Value of Adding and Sharing Value 13:07 The Journey of Building Trust and Community 16:53 The Power of Diversified Offerings 20:32 Creating Impact Through Online Presence 25:54 Understanding the Market Needs 27:27 The Importance of Niche Specialization 29:18 Building Community and Trust 32:28 Embracing Failure as a Learning Tool 37:54 The Entrepreneurial Mindset in Healthcare 41:43 Finding the Right Clinic Environment 45:58 Taking Action and Overcoming Fear   Stay Wild. Connect with Dr. Tara Rawana on INSTAGRAM Connect with Dr. Michelle Peris on INSTAGRAM FREE RESOURCE:  Click the link and see if the SHED METABOLIC RESET PROGRAM is a good fit for you!  FREE RESOURCE: Check out the group health calculator! https://www.michelleperis.com/lm-group-program-calculator-opt-in This episode is brought to you by: www.MichellePeris.com Ready to reclaim your Wild? JOIN THE WAITLIST Learn more about The Poppy Clinic: www.poppyclinic.com Is Naturopathic Medicine for you: LEARN MORE HERE Take our HORMONE QUIZ Are you a clinician looking for more impact? START HERE

For several years, Lugano Diamonds was considered a jewel in Compass' investment portfolio. Then came lawsuits, allegations of fraud and theft, restated financials, a bankruptcy filing and a hurried sale. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Do you invest in what you know - the brands you recognise, the markets you’ve followed for years, the sectors that feel safe? You’re not alone. But today, we’re asking: does familiarity actually make your portfolio safer… or riskier? And how can investors tell when diversification is only superficial? On Wealth Tracker, Hongbin Jeong speaks to Jason Tan, Portfolio Manager at PhillipCapital, for the latest.See omnystudio.com/listener for privacy information.

Your investments may look diversified.But are they exposed to the same country, currency, and cycle?In this new cross-border series, Anil Kothari, Financial Coach at MFA, unpacks what true diversification really means when your financial life spans borders.Should your money be invested in more than one country? Watch the latest episode of the Personal Finance Podcast to find out.

Jay Truitt is deeply involved the entire restructuring the meat packing system. In addition the games being played by a supposed government shut down what is the real story?

How do you build an investment portfolio you can actually stick with—when markets get volatile and when they're ripping higher? In this episode of The Market Moment, Matt, John, and Isaac break down what it really means to build a diversified portfolio that fits your true risk tolerance, not just the one you think you have during a bull market. From fear and greed to rebalancing discipline, the conversation digs into why portfolio construction is harder today than ever—even though access to investing has never been easier. The team shares real-world examples of market drawdowns, investor behavior, and why knowing why you own each investment matters more than chasing performance. They also explore how diversification goes far beyond “stocks vs. bonds,” touching on annuities, international equities, alternatives, commodities, and the recent volatility in gold and silver—and what those moves mean (and don't mean) for long-term investors. Key topics include: ➡️ How to assess your real risk tolerance (and why most investors overestimate it) ➡️ Fear vs. greed and how emotions derail long-term plans ➡️ Why timing the market means being wrong twice ➡️ Rebalancing strategies—and how often is too often ➡️ Stocks vs. bonds vs. annuities: what role each can play ➡️ U.S. vs. international investing and sector diversification ➡️ Alternatives, private markets, and what to watch out for ➡️ Gold and silver volatility—and why perspective matters ➡️ Building a portfolio you can stick with in good times and bad   The episode wraps with a timely discussion on recent moves in precious metals, why big price swings can test investor discipline, and how having a clear investment plan helps cut through the noise. Enjoyed the episode? Don't forget to:

Feeling curious about how to make money outside of photography? Maybe you love your role as a photographer, but you're curious about diversifying your income and creating endless revenue potential. In today's episode, I'm sharing my story of growing my business to become a business coach with diversified income. This episode originally aired on February 17, 2025.In This Episode You'll:Get my story of adding additional streams of income to my businessHear about the three distinct shifts that needed to happen in my businessLearn how affiliate marketing has changed the game for me as a business ownerToday's episode is brought to you by my Affiliate Marketing Jumpstart Guide. I've developed an affiliate marketing strategy that has brought me freedom in my business and I'm sharing this strategy in my free guide! Find it quickly:3:16 - The shift in my heart and mind5:17 - The books that helped me to shift5:57 - The shift in my content 9:43 - The shift in my offers16:45 - The power of affiliate marketing Mentioned in this Episode: Ep 121: Why Every Photographer Should Have Multiple Income Streams + How to Get StartedThe Affiliate Marketing Jumpstart Guide: joymichellephotography.com/affiliate-marketingRead the full show notes from today's episode HERE.More ways to connect:Joy Michelle Website: joymichelle.coJoy Michelle Instagram: instagram.com/joyymichelleJoy Michelle Facebook: facebook.com/joymichellephotographyJoy Michelle Coaching: joymichelle.co/coachingIf you're enjoying the content we're creating on the podcast and want to connect with others who are called to both, make sure you come join us in the PhotoBoss® with Joy Michelle Facebook Group! Join Now >>

30 Jan 2026 - A listed trust offers diversified corporate loans with regular income*

You think you’re diversified… but what if you’re just betting on the same seven tech stocks again and again? The so-called Magnificent Seven now dominate both US and global indices, quietly shaping returns for anyone holding “broad” ETFs. We examine whether global diversification is becoming important again as big institutional players like Vanguard cut back on UK exposure and also talk about the rise and rise of gold. Has one of our best known commentators changed his long-standing tactical view on the metal? Michelle Martin speaks with Arun Pai, Associate Partner at Monk’s Hill Ventures, about how to spot unintended exposure and what a smarter diversification strategy really looks like, hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

Dr. Preston D. Cherry warns the week could go either way for markets with a lot of information coming our way. He previews Fed Chair Powell's comments after the FOMC meeting and how it could impact stocks. If uncertainty stays persistent, it could push markets down. Dr. Cherry covers commodity markets, including the convergent reasons behind the rally in gold. His stock picks include EOG Resources (EOG) in the energy sector.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

 Christine McDonald discusses her family-run beekeeping operation based in Terrace, British Columbia. Living in a remote area, Christine emphasizes the importance of in-person gatherings for bee education despite the proliferation of online resources. She explains how her family has turned geographical challenges into strengths, mentioning their diverse range of products, including honey and candles, and their reliance on wild forage like fireweed. Christine highlights the seasonal challenges they face, such as preparing colonies for winter and managing a short beekeeping season. She also elaborates on their approach to raising queens and maintaining their operation's sustainability. Additionally, Christine's Instagram presence has become a pivotal part of connecting with the wider beekeeping community. Rushing River Apiaries: https://www.rushingriverapiaries.com Instagram: https://www.instagram.com/rushingriverapiaries/

This week on The Data Minute, Peter sits down with Arian Ghashghai, Founding Partner at Earthling VC, to discuss his thesis of investing in "weird stuff early."Arian explains why he bets on robotic oyster farms, virtual reality, and ocean exploration when other investors are chasing the latest consensus trends. He breaks down his "pirate ship" approach to venture capital and why being the first check is often more valuable to a founder than being the "most helpful."They also discuss the current state of the VC market and why Arian believes many funds have shifted from true long-term investing to short-term trading. Plus, Arian shares his unfiltered advice on raising from LPs, why he ignores "signaling risk" from big funds, and why Zurich might have a higher talent density than San Francisco.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/Chapters:00:00 – Intro: Investing in weird stuff02:07 – Intro to Earthling VC02:47 – The "weird stuff early" thesis03:57 – Who are the LPs backing weird tech?05:47 – Why VR is a polarizing investment08:55 – The value of transparency with LPs10:49 – Case study: Robotic oyster farms14:36 – Do LPs push back on style drift?16:06 – Why keep the fund size small?18:50 – Portfolio construction: Diversified vs. Concentrated19:56 – Fundraising advice: Find alignment, don't convince25:46 – Can a solo GP really support 50 companies?28:42 – The three types of investors: Biggest, First, Helpful30:50 – Speed as a competitive advantage33:03 – Why Safe caps are just demand-driven prices34:11 – The cynicism of modern venture capital38:02 – Are VCs investing or just trading?41:31 – Do we need more VCs?46:41 – Avoiding consensus deal flow48:17 – Why Zurich is an underrated tech hub50:50 – Why founders love explicit investorsThis 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. © 2026 eShares, Inc., dba Carta, Inc. All rights reserved.

Spencer and Jamie break down the 10 core principles of Bogleheads investing and show how military service members can apply this simple, low-cost approach to build wealth through the TSP and other accounts. If you're overwhelmed by investing advice or tempted by day trading and crypto, this episode cuts through the noise with a proven strategy that's worked for decades. Hosts: Spencer Reese (former Air Force pilot, 12 years active duty) and Jamie (active duty officer) The 10 Bogleheads Principles Develop a workable plan - Create an investment policy statement (even informal) to guide decisions during market volatility Invest early and often - Automate contributions to remove decision fatigue; increase TSP allocation today Never bear too much or too little risk - Age-appropriate asset allocation; avoid the old G Fund default trap Diversify - Don't put all eggs in one basket; TSP funds cover entire US market plus international exposure Never try to time the market - Time IN the market beats timing the market; market dropped 19% in April 2025, now up 38% from that low Use index funds when possible - TSP offers five low-cost index funds; 90% of active managers can't beat index funds over 20 years Keep costs low - TSP expense ratios under 0.1%; avoid predatory companies charging 1-2%+ fees Minimize taxes - Leverage Roth TSP and Roth IRA; military tax advantages (BAH, BAS, combat zone exclusion) Invest with simplicity - LADS approach (Low-cost, Automated, Diversified, Simple); Warren Buffett's S&P 500 bet crushed hedge funds Stay the course - Measure performance in decades, not days/weeks; don't panic sell during downturns Key Takeaways Why Bogleheads Philosophy Works for Military: Takes power back from financial advisors and complex products Simple enough anyone can succeed with minimal effort Perfect match for TSP's low-cost index fund structure Removes emotion from investing decisions TSP Advantages: Five index funds (C, S, I, G, F) cover nearly entire investable market Lifecycle funds automatically balance risk by retirement year Expense ratios under 0.1% (incredibly low) Now defaults to lifecycle funds instead of G Fund (huge improvement with Blended Retirement System) Common Military Investing Mistakes: Old G Fund default trap - cost retirees millions in missed gains Trying to time the market or day trade Paying high fees to predatory companies Not automating contributions Measuring performance over days/weeks instead of decades The Math That Matters: First $100K took Spencer 4+ years; second $100K took 2 years (compound growth accelerates) Market will drop 30% in next 10 years (guaranteed) - but timing it is impossible S&P 500 gained 125% over 10 years vs. best hedge fund's 87% in Warren Buffett's famous bet April 2025 market drop: 19% down, then 38% up from that low within months Diversification Made Easy: C Fund: 500 largest US companies (S&P 500) S Fund: ~2,000 smaller US companies I Fund: 5,000+ international companies (20+ developed + emerging markets, excludes China/Hong Kong) Combined: Total US and international market exposure Add VXUS in Roth IRA for China/Hong Kong exposure if desired Automation is Your Friend: Log into MyPay once, increase TSP allocation, never think about it again Every promotion or time-in-grade raise = bump allocation by 1% One decision removes 100 future decisions Eliminate decision fatigue and emotional reactions Fee Impact Example: Predatory companies charge 1-2%+ fees TSP: Under 0.1% Fidelity FZROX: 0% expense ratio Vanguard funds: 0.03% Rule of thumb: Stay under 0.25%, ideally under 0.10% Resources Mentioned Books: "The Little Book of Common Sense Investing" by Jack Bogle "The Military Money Manual" by Spencer Reese (available at MWR Library, Libby app, Amazon) Investment Accounts: TSP (Thrift Savings Plan) - Military 401k Roth TSP and Roth IRA (tax-advantaged accounts) Recommended brokerages: Fidelity, Vanguard, Schwab Key Terms: LADS: Low-cost, Automated, Diversified, Simple Index fund vs. active management Expense ratio and basis points Asset location strategy Investment Policy Statement Previous Episodes Referenced: TSP deep dives (search podcast) Roth TSP vs. Roth IRA explanations "Do Better" episode on predatory companies Real-World Examples Lieutenant with $50K in checking account - proves military pay allows saving, just need to invest it Service member paid off all auto and student loans in 3 months of deployment Retirees with $250-500K in G Fund who missed out on millions Enron, WorldCom, Lehman Brothers - why diversification matters MicroStrategy (MSTR) - current example of concentrated risk Who This Episode Is For Military service members at any rank TSP participants unsure how to invest Anyone tempted by day trading, crypto, or "get rich quick" schemes New investors overwhelmed by options Service members paying high fees to financial advisors Anyone who wants a simple, proven wealth-building strategy Quick Action Steps Log into MyPay and increase TSP allocation (even 1% helps) Verify you're in appropriate Lifecycle Fund (birth year + 60-65 years) NOT in G Fund unless near retirement Set automatic annual increases (1% per year) Open Roth IRA at Fidelity, Vanguard, or Schwab Read "The Military Money Manual" (free at base library) Stop checking account daily - check quarterly at most Contact Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Book: "The Military Money Manual" (Amazon, $3 Kindle, free at MWR libraries) The Bogleheads philosophy has helped millions become millionaires through simple, low-cost index fund investing. As a military service member, you have access to one of the best low-cost investment vehicles in the world - the TSP. Stop overthinking it, automate your investments, and stay the course.  

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What if generating income wasn't about chasing yield, but about getting your money back first? At our 2025 Investor Symposium, Michael Grosslight sat down with Brad Allen, Managing Partner of Keystone National Group, to unpack what it really means to build durable income through asset-backed lending. Brad explains how Keystone focuses on tangible collateral—like equipment, real estate, and financial assets—to generate consistent income while prioritizing downside protection in uncertain markets. Tune in if you're interested in…How asset-backed lending differs from traditional private creditWhy collateral quality matters more than borrower projectionsReal examples of how downside scenarios are handledHow shorter-duration, unlevered loans can reduce volatilityWhat makes Keystone's approach distinct in a crowded private credit market

This week's throwback episode features a guest who served as a top sales rep, to Founding companies in Digital Advertising, to working his way through the ranks at rapidly growing companies like HireVue, Lucid, and Workstream. Now, he has taken his talents back to his founder and small business routes which we will get into today.Blake Harber is this week's guest on the 20% Podcast. In this week's episode, we discussed:Entrepreneurial Parents Blake's Tractor ServiceFinding A Gap$75K/Year Selling CandyDiversifying IncomeKids Learning The Family BusinessMuch More!Please enjoy this week's episode with Blake Harber. ____________________________________________________________________________I am now in the early stages of writing my first book! In this book, I will be telling my story of getting into sales and the lessons I have learned so far, and intertwine stories, tips, and advice from the Top Sales Professionals In The World! As a first time author, I want to share these interviews with you all, and take you on this book writing journey with me! Like the show? Subscribe to the email: https://mailchi.mp/a71e58dacffb/welcome-to-the-20-podcast-communityI want your feedback.Reach out to 20percentpodcastquestions@gmail.com, or find me on LinkedIn https://www.linkedin.com/in/tylermeckes/

Send us a textA trusted favorite doesn't always hit the same—and that's exactly why we poured Elijah Craig Barrel Proof C925 and talked through what's changing in bourbon right now. We start with the big headline: Jim Beam plans to halt production at its main distillery for 2026. Instead of doom, we see a rational move in a market correcting after years of explosive demand. Tariffs, softer export lanes, and a small but real drop in U.S. alcohol consumption—especially among younger adults—are nudging distillers to manage inventory, not abandon bourbon.From there, we get curious about how supply cycles and consumer trends shape what's in your glass. Bourbon survived the mid-century slump, roared back in the 90s, and now sits firmly in the premium spirits tier alongside vodka, tequila, gin and rum. That foundation matters. Diversified portfolios, global distribution, and deeper brand equity make a collapse unlikely. What's more probable? Easier finds on the shelf, more balanced pricing, and a steady stream of aged releases as warehouses remain full.Then we taste. C925 arrives at 129 proof with a rare single-digit age statement for the line— 9 yrs, 1 month. On the nose we find vanilla-forward sweetness with a touch of apple and restrained oak. The palate is syrupy with raisin and cinnamon heat, more punch than depth, and a finish that reads younger than past batches. It's not a bad pour—just a reminder that proof and age need balance. At $70 to $90, it's still a solid value, but if you're new to Elijah Craig Barrel Proof, consider waiting for the next A-batch, which often brings a bit more age and complexity.We wrap with practical buying advice, some banter about Dry January, and a preview of our top whiskies list. If you love bourbon's craft and culture, this conversation gives you a clear lens on market shifts and a grounded take on a hyped bottle. Enjoy the listen, then tell us your C925 rating and whether you're seeing fuller shelves where you shop. If you're into honest reviews and smart insights, follow, share, and leave a quick rating so more whiskey fans can find the show.

Is 2026 the year you finally take control of your military finances? With a 3.8% pay raise, new TSP contribution limits of $24,500, and proven strategies that helped one E-7 reach $600,000 in net worth by year 14, Spencer and Jamie break down exactly how to build wealth while serving, even if you're starting from scratch or recovering from financial setbacks. In this episode, we provide a comprehensive 2026 financial reset for military families, covering everything from emergency funds and debt payoff to maxing tax-advantaged accounts and avoiding lifestyle creep. Perfect for anyone wanting to turn the new year into a fresh financial start. Main Discussion Points Know Where You Are Before You Start Track your spending using apps like Monarch Money, YNAB, Rocket Money, or simple spreadsheet Face your financial reality- write down all debt and net worth even if it's negative Government shutdown proved why emergency funds matter: 3-6 months of expenses minimum Example: $500 car repair covered by emergency fund eliminated stress entirely Unique Military Financial Advantages Tax-free income: BAH, BAS, COLA not subject to federal income tax or payroll taxes (7%+ savings) State tax residency: Change to tax-free state (Texas, Florida, etc.) when stationed there! Spouse can too under Military Spouse Residency Relief Act TSP match: 5% automatic match after 2 years for BRS members. Don't leave free money on table Healthcare and housing covered through Tricare and BAH/base housing Example: Saving $300/month by changing state residency adds up to thousands annually 2026 Numbers to Know TSP contribution limit: $24,500 (up from previous year) TSP annual additions limit: $72,000 (includes match and combat zone contributions) Roth IRA limit: $7,000 per person ($14,000 for married couples, even if spouse doesn't work) Military pay raise: 3.8% coming. Automate at least 1% of increase into TSP E6 with 8+ years gets roughly $150-180/month extra income from pay raise Priority Order for Tax-Advantaged Accounts Contribute 5% to TSP (get full government match for BRS members) Max Roth IRA: $7,000 for you, $7,000 for spouse Go back and max TSP at $24,500 Only then consider taxable brokerage accounts Total to max everything: $48,500 for married couples Don't stress if you can't max—contributing 10-20% is still excellent and beats average American 5% savings rate Invest Simply Using LADS Method Low-cost, Automated, Diversified, Simple TSP Lifecycle 2075 fund: 60% US stocks, 40% international, minimal bonds—perfect set-it-and-forget-it option Alternative: 80% C Fund, 10% S Fund, 10% I Fund Don't performance chase because last year's winner often becomes next year's loser Boring is beautiful in investing. Let it compound for 20 years Path to Military Millionaire Status E7 example: $500/month starting as E3, by age 45 = $1 million at 7% return Real example from Reddit: E7 with 14 years, $600,000 saved, contributing $20-25k/year In 10 years that E7 will have $1.2 million just from money already contributed (before new contributions) Add military pension: $30k/year plus $40k from 4% rule = $70k annual income in retirement Time is your biggest asset. US stock market doubles roughly every 7-10 years Common Mistakes to Avoid in 2026 Not contributing to TSP at all (minimum 5%, goal 15%+) TSP loans for non-emergencies...change behavior instead New car trap: 7-year car loans becoming standard, shooting yourself in financial foot Lifestyle creep: Give half of pay raise to savings, half to lifestyle improvements Waiting for "perfect time." Spoiler: there's never a perfect time. Start this weekend Capture Free Money Review LES monthly for accuracy File paperwork for CZTE, hostile fire pay, family separation allowance Follow up with finance multiple times if needed. Don't give up on money you're owed Request corrected W2s if aircrew touching tax-free zones in Nov/Dec Spencer recovered $20,000+ over career by being persistent with finance Take Action Now Schedule family money meeting. Make it a priority! Hire babysitter if needed, dedicate one hour Write down all debt on paper: credit cards, student loans, auto loans Acknowledge it's overwhelming but necessary to move forward Resources: Dave Ramsey's Total Money Makeover or Ramit Sethi's I Will Teach You to Be Rich Resources & Links Budgetting and tracking: Monarch Money, YNAB (You Need A Budget), Rocket Money, Every Dollar Credit card offers: Card Pointers Chrome plugin Free books: Libby app + MWR library on base Military Money Manual by Spencer Reese Selected as US Air Force Academy Class of 2023 graduating gift Dave Ramsey's Total Money Makeover Ramit Sethi's I Will Teach You to Be Rich and Money for Couples TSP match/max charts by rank The Money Guy Show: Financial Order of Operations   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Subscribe to DTC Newsletter - https://dtcnews.link/signupIn this BFCM 2025 breakdown, Eric chats with Pilothouse's Head of Ecom Grayson Rudzki and Lead Strategist Abby to unpack what actually worked, what flopped, and how smarter strategy beat brute-force ad spend.For DTC marketers running paid, creative, or lifecycle retentionHow Pilothouse beat Meta's creative fatigue warningsWhat "targeting with creative" really means in 2025Why retention—not acquisition—won this yearTactics for using AI without generating slopReal BFCM ads that moved the needle (with examples)Who this is for: Founders, brand-side marketers, and media buyers looking to de-risk spend and boost lifetime valueWhat to steal:The "persona-led Christmas card ad" concept that crushedHow to diversify creative for open targeting without burning outSimple Rebuy tweaks that doubled items per orderTimestamps00:00 AI reshaping BFCM strategy and creative testing02:00 Record BFCM performance numbers and key takeaways04:00 Why retention, baseline revenue, and loyalty mattered most06:00 Real examples of AI workflows that saved teams time08:00 Outdated playbooks vs the need for real strategists10:00 Meta Andromeda, creative fatigue, and targeting with creative12:00 Persona-driven creative example that drove conversions14:00 Humor, culture, and relevance in winning ad creative16:00 Diversified creative performance and lowered CPMs18:00 The new state of UGC and authenticity on Meta20:00 Post-click strategy, bundles, and conversion wins22:00 2026 resolutions: intuition, creativity, and human strategy24:00 Hero apps of the year: Rebuy, Triple Whale, and resultsHashtags#BFCM #Ecommerce #EcommerceMarketing #DTC #MetaAds #FacebookAds #PerformanceMarketing #AIinMarketing #BlackFriday #CyberMonday #MarketingStrategy #CreativeStrategy #AdBuying #TripleWhale #Rebuy Subscribe to DTC Newsletter - https://dtcnews.link/signupAdvertise on DTC - https://dtcnews.link/advertiseWork with Pilothouse - https://www.pilothouse.co/?utm_source=AKNF571Follow us on Instagram & Twitter - @dtcnewsletterWatch this interview on YouTube - https://dtcnews.link/video

Jamie Leverton, CEO of ReserveOne, joined me to discuss how the firm is taking a unique approach to their digital asset treasury which includes Bitcoin, Ethereum, Solana, Cardano, and XRP. Topics:- Crypto asset diversification- Yield generation - Staking, Lending, & Venture allocation- Staking rewards strategy- Tokenization market- Crypto needs the Clarity Act to pass- Crypto market outlook

Welcome to The Cashflow Project podcast! In this episode, we sit down with Mark Khuri, co-founder of SMK Capital Management and a real estate investor with over 20 years of experience. Mark shares his journey from managing his father's apartment buildings to building a diversified portfolio that includes single-family homes, multifamily, mobile home parks, and self-storage. We dive into key lessons from multiple market cycles, the transition from residential to commercial real estate, and why diversification and strong partnerships matter more than ever. Mark also breaks down current market trends, bonus depreciation, and how interest rates and supply-and-demand shifts are creating new opportunities. Whether you're just getting started or scaling your portfolio, this episode delivers practical insights on managing risk, growing wealth, and navigating today's evolving real estate landscape. [00:00] "From W2 to Real Estate" [04:10] From Rental to Investment Scaling [08:07] "Investing in Passive Real Estate" [10:38] "Focused Investment for Lower Risk" [15:14] Challenges in Building Mobile Home Parks [17:20] Investing in Mobile Home Parks [22:43] Restoration of 100% Bonus Depreciation [24:35] "Tax Incentives Fuel Private Investment" [26:58] "Commercial Real Estate Prices Rebound" [30:51] "Market Trends Amid Uncertainty" [36:05] "Clear Communication is Critical" [38:33] "Start Investing: Visit SMKCap" [40:36] "Investing & Networking Opportunities" Connect with Mark Khuri! Website LinkedIn Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram

When buyers evaluate a software or tech company, they don't just look at top-line growth or EBITDA. Buyers dig into the quality of your revenue. Is it recurring? Diversified? Sustainable? These factors play a critical role in determining valuation and can mean the difference between an average and extraordinary outcome. In this webcast, we break down what acquirers really look for in revenue streams, how quality impacts valuation and what CEOs and founders can do now to strengthen their company's long-term value. Webcast Agenda:  CEO Desk: 10 AI Traps to Avoid with M&A Presentations Special Report: Quality of Revenue—The Key to Your Value Review of key deals in September 2025 Valuation trends across the six technology sectors --------------------------------------------------------------- Corum's Tech M&A Monthly is a regular podcast series for software company owners, executives and CEOs. Each month, Corum Group, the world's leading M&A firm for software and related technology companies, examines the world of Tech M&A. In addition, Tech M&A Monthly includes special reports on buyers, markets and the M&A process itself. This thirty-minute podcast is a must for owners and CEOs considering Tech M&A, whether now or in the future.

107 Breaking Stagnation: Smarter Decisions & Diversified Income | Rodney Black   The Entreprenudist Podcast https://entreprenudist.com Stagnation doesn't happen overnight, it's the result of repeated decisions that feel safe but limit growth. In this episode, we break down: -Why individuals and business owners get stuck in stagnant decision-making -The importance of risk diversification and why relying on one income stream is dangerous -The real truth about direct sales and network marketing — beyond the stereotypes -How smarter decision-making creates long-term growth and financial resilience If you're ready to challenge outdated thinking and make more intentional, informed choices in business and life, this conversation is for you. ------------------------- About Rodney Rodney Black is a husband, father of three, and a leader driven by purpose. Born in Atlanta, GA, and raised in a small town with a farm and ranch background, Rodney learned early the value of hard work, discipline, and faith — lessons that became the foundation for everything he's built today. As cofounder of The Riser Crew and owner of Your Service Store, Inc., Rodney has made it his mission to help people and businesses rise from the ashes and become the best version of themselves. With more than 32 years of experience in the specialty protein industry through The Meat Brokerage, he has built a trusted reputation for excellence, integrity, and long-term partnerships. Through Your Service Store, Rodney also leads initiatives in Systems Management, helping businesses and individuals improve their operations and efficiency, and The Blue Firm, a marketing and strategy group focused on helping small businesses strengthen their brand and expand their reach.  ----------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.  He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.  As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny. Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world.

Actor. singer, inventor and horseman extraordinaire. Riley Smith is riding quite the wave of success. We'll catch up with the multi-talented star, and then we go live with our cat correspondent, Deborah Cribbs!EPISODE NOTES: IHome on the Very Diversified Range with Actor and Horse Lover, Riley SmithBecome a supporter of this podcast: https://www.spreaker.com/podcast/rappaport-to-the-rescue-on-pet-life-radio-petliferadio-com--6667849/support.

Buying a business is one of the biggest financial decisions most entrepreneurs will ever make. For many first-time buyers, it's terrifying. You're putting a meaningful chunk of your net worth on the line and hoping you've chosen wisely. So what actually makes a business safe to buy? In this episode, Greg Elfrink breaks down the realities of business risk and shares practical criteria buyers can use to separate stable, reliable businesses from the ones that keep you up at night.Greg starts by reminding us that there's no such thing as a risk-free business. But some businesses are undeniably safer than others, and the patterns are surprisingly consistent. One of the strongest signals of safety is age. An older business has weathered economic cycles, algorithm changes, and industry shifts. If it has survived for years, there's usually a reason. Diversified revenue and diversified traffic are non-negotiables. If the business relies on one product, one client, or one traffic source, it only takes one disruption to put everything at risk. We also dig into how risk levels differ between online businesses and brick-and-mortar operations, and why size matters more than most buyers expect. Bigger businesses often come with stronger systems, cleaner financials, and teams that keep things running, even when the owner steps away. Finally, Greg outlines the advantages of working with a business broker, especially for first-time buyers navigating due diligence, negotiations, and valuation questions. If you want a clearer picture of what a safe acquisition really looks like, and how to confidently choose your next business, this episode is for you. Topics Discussed in this episode: There's no such thing as a risk-free business (01:35) The older the business is, the safer it tends to be (04:20) Diversification of revenue (07:49) Look for multiple sources of traffic (10:27) Online businesses vs brick and mortar businesses (12:23) Size of the business (15:30) Benefits of using a business broker (17:50) The bigger the business, the less risky it becomes (21:55) Mentions:  Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our newsletter Sit back, grab a coffee, and learn how to separate safe businesses from risky ones.  

Buying a business is one of the biggest financial decisions most entrepreneurs will ever make. For many first-time buyers, it's terrifying. You're putting a meaningful chunk of your net worth on the line and hoping you've chosen wisely. So what actually makes a business safe to buy? In this episode, Greg Elfrink breaks down the realities of business risk and shares practical criteria buyers can use to separate stable, reliable businesses from the ones that keep you up at night.Greg starts by reminding us that there's no such thing as a risk-free business. But some businesses are undeniably safer than others, and the patterns are surprisingly consistent. One of the strongest signals of safety is age. An older business has weathered economic cycles, algorithm changes, and industry shifts. If it has survived for years, there's usually a reason.Diversified revenue and diversified traffic are non-negotiables. If the business relies on one product, one client, or one traffic source, it only takes one disruption to put everything at risk. We also dig into how risk levels differ between online businesses and brick-and-mortar operations, and why size matters more than most buyers expect. Bigger businesses often come with stronger systems, cleaner financials, and teams that keep things running, even when the owner steps away. Finally, Greg outlines the advantages of working with a business broker, especially for first-time buyers navigating due diligence, negotiations, and valuation questions. If you want a clearer picture of what a safe acquisition really looks like, and how to confidently choose your next business, this episode is for you. Topics Discussed in this episode: There's no such thing as a risk-free business (01:35) The older the business is, the safer it tends to be (04:20) Diversification of revenue (07:49) Look for multiple sources of traffic (10:27) Online businesses vs brick and mortar businesses (12:23) Size of the business (15:30) Benefits of using a business broker (17:50) The bigger the business, the less risky it becomes (21:55) Mentions:  Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our newsletter Sit back, grab a coffee, and learn how to separate safe businesses from risky ones.  

Andreas Munk Holm opens the episode by introducing Charles Dunn, Principal at SV Health Investors, and Ruth McKernan, CBE and Operating Partner at SV Health, former CEO of Innovate UK. SV Health is a transatlantic healthcare specialist with a focus on company creation and full-spectrum biotech investing. Notable wins include the exit of SV-created EyeBio to Merck & Co for up to $3bn including $1.3bn upfront, and the recent launch of SV's newest company creation Driag Therapeutics, a UK-based neuropsychiatry company, which recently announced its $140m Series A financing.SV Health's approach blends early-stage company creation with later-stage venture investment. Charles emphasizes that this structure allows:Diversified risk for LPs: Early-stage opportunities carry higher risk but higher upside; later-stage investments provide more stability.Learning across stages: Experience in late-stage investing informs early-stage decision-making, and vice versa.Flexible company formation: SV Health creates companies across different development stages, sometimes even after Phase 1 data exists, as with Draig Therapeutics.

Detailed write-up on all of the concepts discussed here: https://www.algoadvantage.io/podcast/045-rob-hannaRob Hanna has been trading since the mid 90's and has slowly progressed from discretionary swing trading to a systematic, research driven approach, while still carrying some of those qualitative features into his quant trading. He trades a diversified set of strategies in equities and ETFs, with a focus on the shorter term (and particularly mean-reversion) models. Of particular interest to me was his VIX trading strategies due to their usefulness as a hedge in times of crises, and because they employ more than just price data (they look to the VIX futures curve - whether in backwardation or contango as a critical filter to his models). Trading volatility (through the futures, options or ETFs) can be extremely risky, but given the strong edges that are present in trading a consistent down-trending market, it's always of interest to me how traders find a way to profit while minimizing the risks inherent in these models. Rob has been trading the VIX long enough to share some invaluable insights. Enjoy!The only reliable source for trading COURSES, COMMUNITY & more: https://algoadvantage.io

In Episode 44 of Chain Reactions, we're joined by Sebastian Bea, Olympic medalist, former BlackRock and Coinbase exec, and now Chief Investment Officer at Reserve One, a soon-to-launch Digital Asset Treasury (DAT) designed to give institutions diversified, long-term exposure to the crypto ecosystem.**We go deep on:**- How digital asset treasuries differ from ETFs and traditional funds- Why Reserve One is betting on a multi-asset strategy across BTC, ETH, SOL, and more- What institutions *really* need before entering crypto- Why stablecoins are the Trojan horse for mass adoption- The role of tokenized assets, onchain capital markets, and how sovereign funds are already enteringSebastian also shares what he learned from his time at BlackRock, the moment he got orange-pilled on a Thanksgiving dog walk, and why “time is not linear in markets.”**

In this episode, Brad and Elizabeth of Otter Creek Farm share their journey transitioning a multi-generation New York farm from a conventional model to a diversified, regenerative, fully grassfed operation. The episode explores how they rebuilt their systems around animal welfare, soil health, transparency, and community connection, and why direct marketing became the heartbeat of their business. Brad and Elizabeth walk through the decisions that shaped their operation — from abandoning commodity markets to developing a robust meat share program, pursuing Animal Welfare Approved and Certified Grassfed certifications, and introducing farm stays to deepen customer relationships. Their story highlights the practical realities, challenges, and rewards of regenerative farming in a cold-weather climate.

Guest Ilya Zlotnik, Partner, Wealth Adviser, Vivaldi Capital ManagementWebsite www.vivaldicap.comAUM ~$6bn BioIlya is a Wealth Advisor and Partner at Vivaldi Capital Management in Chicago. For over a decade, he has guided high-net-worth individuals and families through every aspect of their financial life—from strategic asset allocation and portfolio management to complex tax and generational planning. His client-centric approach and deep expertise have earned him recognition as a Forbes Best-In-State Wealth Advisor for two consecutive years. Prior to joining Vivaldi, Ilya served as an Investment Consultant at TD Ameritrade and was a member of the Private Wealth Group at RMB Capital Management. He holds a BS in Finance from the Kelley School of Business at Indiana University and an MBA with concentrations in Finance and Entrepreneurship from the Booth School of Business at the University of Chicago.Disclaimer: This is one Advisor's perspective and not reflective of VCM.Read the full disclaimer and learn more here: https://www.vivaldicap.com/

Carl, Zac, and Hayden roll into Episode 72 with a caffeine-fueled catch-up on the week: Mansfield’s push to hike penalties for truckers who skip designated routes, an Election Day pep talk and progress at the reborn Mansfield Speedway. It’s the usual mix of local headlines, sports overreactions and newsroom banter — best paired with a cup from Relax, It’s Just Coffee. Then Mansfield entrepreneur Dan Lew grabs the mic for a wide-ranging conversation. He traces his path from early gigs and China Club to DLX on the Square and Axe Social Lounge, unpacks what it really takes to build (and rebuild) in a downtown under construction, and shares lessons on resilience from the COVID era. Plus: the spark behind Gravity Ohio, the “Orange Cone Festival,” and why he’s bullish on Mansfield’s future. Related links: Election Eve: Just 1 in 5 registered Richland County voters expected to cast ballots Read all of our election coverage Penalties may get stiffer for trucking on non-truck routes in Mansfield Let’s go more than racing, boys! … Diversified plans progressing at revived Mansfield Speedway Intro song credit: Smoke And Drink, by Luke Watson. Be a Source Member for unlimited access to local, independent journalism.Support the show: https://richlandsource.com/membersSee omnystudio.com/listener for privacy information.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how today's market update ties directly into smarter portfolio management and building a Tax Efficient Portfolio for your non-IRA accounts. From headlines about new highs to rate cuts and tariffs, they translate noise into strategy—focusing on tax planning, tax strategy, and tax efficiency so you can secure your retirement with confidence.Listen in to learn about using Direct indexing with Tax loss harvesting to mirror an index while managing investment taxes, handling concentrated stock positions, and customizing holdings (think: Index replication without the positions you don't want). You'll also hear practical retirement planning strategies to stay diversified, manage risk, and plan for retirement so you're retiring comfortably with a clear retirement checklist and a resilient approach to Retirement Investing and Investment risk management.In this episode, find out:· How recent Fed moves and headlines factor into a pragmatic market update and what that means for Retirement Planning and risk management.· The core–tactical–bonds/alternatives blend that creates a Diversified portfolio beyond just stocks to smooth volatility.· What Direct indexing is, how Index replication works with 50–75 stocks, and why Tax loss harvesting can add meaningful tax alpha.· Ways to unwind a concentrated position (e.g., long-held company stock) using harvested losses and a phased Capital gains strategy.· How to tailor portfolios (even in IRAs) to exclude specific stocks while still tracking an index—supporting your personalized planning retirement goals.Tweetable Quotes:· “We're not stock-picking heroes—we're replicating the index and using tax efficiency to your advantage.” — Radon Stancil· “With Direct indexing, you can make money and harvest losses at the same time—powerful for investment taxes in non-IRA accounts.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!"To access the course, simply visit POMWealth.net/podcast.

A Layered Life Gladys H. DeClouet on Breaking Barriers in Corporate America | Diversified GameWebsitehttps://gladysdeclouet.com/

It is no secret technology stocks have been a driving force in domestic stocks. However, their continued rally has led to the overall sector becoming a huge chunk of the market, and therefore the market's return. How has the happened? Is the concentration to tech stocks truly indicative of the overall diversification of the US economy? Has this sort of lack of diversification ever happened previously? What might this mean for the future of the domestic stock market? In this week's Trading Perspectives, Sam Clement and John Norris discuss how so-called tech stocks have become the dominant force behind the US markets. It has been a wild, and mostly fun, ride. But will it continue?     

SummaryIn this conversation, Peter discusses the current state of the crypto markets, focusing on the rise of ETFs and their implications for institutional investors and retail users. He explores the potential of Bitcoin DeFi through Cardano, the integration of decentralized domains, and the role of AI in trading. The conversation also touches on the importance of stablecoins in the ecosystem, user onboarding experiences, and the customization of NFTs, concluding with a call for community support.Chapters00:00 Current State of Crypto Markets and ETFs02:50 Institutional Interest and Market Manipulation05:59 Bitcoin DeFi and Cardano's Role09:08 Decentralized Domains and Web3 Integration12:02 AI in Trading and Automation14:54 Gaming and Crypto: Cornucopius to Infinity Rising17:48 Stablecoins and Cardano's Sovereign Wealth Fund21:07 Onboarding Users in Crypto23:54 NFT Customization and Community Engagement27:08 Closing Thoughts and Community SupportTakeawaysCrypto markets are currently struggling but show potential with new ETFs.ETFs can simplify entry into crypto for institutional investors.Diversified crypto baskets can reduce individual asset risk.The rise of ETFs may centralize access to decentralized systems.Bitcoin lacks smart contracts, limiting its DeFi capabilities.Cardano aims to enhance Bitcoin's utility through DeFi.Decentralized domains could bridge traditional web and blockchain.AI trading bots can automate and improve trading efficiency.User onboarding experiences are crucial for attracting new crypto users.NFT customization fosters community engagement and creativity.DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

Did you know your financial advisor can actually help you invest in ways that reflect your faith?Advisors do more than just help you hit financial targets—they can also guide you in making a lasting impact with your investments. Today, Josh Bean joins us to share how to start the conversation about faith-based investing.Josh Bean is the National Sales Manager for Praxis Investment Management, an underwriter of Faith & Finance.25 Years of Change in Faith-Based InvestingAbout 25 years ago, Praxis conducted its first major study on faith-based investing. This year, they decided to revisit that research and see how investor attitudes have evolved.Partnering with Bellomy Market Research, the Praxis team surveyed over 1,000 individual investors and 400 financial advisors to explore the motivations, opportunities, and concerns surrounding faith-aligned portfolios.The exciting part is that the results confirmed what they've believed all along: people genuinely want to align their investments with what matters most to them. You can explore the full report at PraxisInvests.com/FaithBasedInvesting.According to the study, nearly half of all investors—48%—have already aligned their portfolios with their faith or are interested in doing so. What's striking is that this number encompasses all investors, not just those with a religious background.People see investing as more than performance—it's about purpose. They want their portfolios to reflect their convictions.The Advisor Gap: 78% Want Guidance, But Only 9% Are AskedPerhaps the most surprising finding is the communication gap between clients and advisors.78% of investors said it's important for their advisor to discuss faith-aligned options, but only 9% of advisors say they actually bring it up.That gap is one of the biggest barriers to growth. Investors are eager. Advisors often just don't know how to start the conversation. That's where firms like Praxis can help bridge the gap.One reason some advisors hesitate? The lingering myth that values-driven investing means sacrificing returns.That's just not the case anymore. At Praxis, they aim for benchmark-like returns through diversified, optimized portfolios. They screen out approximately 15% of companies that don't align with their values and incorporate positive impact strategies—all while closely tracking performance.This approach isn't just about numbers—it's about stewardship. In the Parable of the Talents, Jesus commends the faithful servants who wisely managed what they were given. That's our model—faithful stewardship with Kingdom impact.An Expanding Landscape of Faith-Based OptionsFaith-based investing has come a long way. What once seemed niche now includes mutual funds, ETFs, and multi-fund portfolios that reflect a range of Christian values and causes.Investors today can build diversified, competitive portfolios entirely within the faith-based space. There are more options—and better tools—than ever before.Among those tools are screening systems that allow investors to exclude companies that conflict with biblical values or to include those that make a positive social or environmental impact.Taking the First Step: Talk With Your AdvisorFor those new to this space, start the conversation. Ask your advisor, Can my faith be reflected in my investment strategy? That one question could open the door to an entirely new way of stewarding your money.To help, Praxis has created a free Faith-Based Investing brochure, available at PraxisInvests.com/FaithBasedInvesting. It provides practical guidance on initiating faith-aligned conversations with your financial advisor.And if you'd like to find a Certified Kingdom Advisor who specializes in Faith-Based Investing, you can visit FindACKA.com. On Today's Program, Rob Answers Listener Questions:I'm 82 years old and recently got a cold call from someone asking if I'd like to sell my house for cash. I don't owe anything on it—just pay for homeowners' insurance and utilities. Since God has blessed me to live mortgage-free, should I even consider their offer?I'm considering taking out a $20,000 loan, but I'd rather not use a home equity loan, even though my credit is good. I was thinking of a personal loan through Bank of America instead. My husband is retired, and I'm the only one working—so which option would be more cost-effective for us?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Praxis Investment ManagementReport on Faith-Based Investing from PraxisWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This lecture discusses key ideas from the modern philosopher Thomas Hobbes' work Leviathan It focuses specifically on on the second part of chapter 6, where Hobbes tells us that the basic passions are diversified into a number of other passions in four main manners. 1. called from the opinion men have of the likelihood of attaining what they desire 2. from the object loved or hated 3. from the consideration of many of them together 4. from the alteration or succession itself He also discusses how passions figure into what he calls "deliberation" and makes the claim that a person's "will" is simply the last passion in the succession that determines their action. H finishes by discusses different modes of language by which people signify what their passions are. To support my ongoing work, go to my Patreon site - www.patreon.com/sadler If you'd like to make a direct contribution, you can do so here - www.paypal.me/ReasonIO - or at BuyMeACoffee - www.buymeacoffee.com/A4quYdWoM You can find over 3500 philosophy videos in my main YouTube channel - www.youtube.com/user/gbisadler Purchase Thomas Hobbes' Leviathan - amzn.to/3uhKmDE

Cash PT Trends 2025: What We Learned in Dallas + The New Industry Report In this episode, Doc Danny Matta and Yves Gege unpack takeaways from their Dallas live event and preview PT Biz's new Cash PT Industry Report. They cover what's working now across pure cash, hybrid, and out-of-network models; why continuity and small-group training are surging; and how the talent market is shifting as more solo owners choose to join established cash clinics. Quick Ask Help us move toward the mission of adding $1B in cash-based services to our profession: share this episode with a clinician friend or post it to your IG stories and tag Danny—he'll reshare it. Episode Summary From beginners to builders: PT Biz events now draw ~200 owners focused on scaling, not just getting started. No single “right” model: Cash-only, hybrid, out-of-network, Medicare-focused, and gym-like setups can all work—business principles drive success. Continuity is up: Many clinics now get 20–40%+ of monthly visits from recurring performance/wellness work—stabilizing revenue. Small-group training wins: Huge LTV and stick rate; still underused (only ~¼ of clinics are doing it). Talent trend: More solo owners are approaching larger cash clinics for roles with culture, mentorship, and intrapreneurship tracks. Reality check on pay: Compensation must tie to the revenue a provider can generate; entitlement ≠ value creation. Macro shift: Rising deductibles & wellness demand push all clinics to add self-pay services—cash PT is no longer fringe. Live Event Takeaways Owner mindset: Conversations have matured—hiring, leadership, profitability, systems, and scaling to $100k–$200k/month per site. Market fit varies: Geography, payer mix, and demographics dictate whether to stay pure cash, add OON, or blend Medicare. Community compounding: Member-to-member playbooks (what worked, what didn't) are often the most valuable part of events. The Industry Report: What to Watch Continuity growth: Bigger clinics show higher % of recurring visits, needing fewer new evals to fill schedules. Underutilized small groups: High demand among “post-injury but not gym-ready” clients; strong margins and retention. Diversified offers: Performance, strength, and longevity programs de-risk revenue and increase lifetime value. Small-Group Training: Why It Works Checks the boxes: Strength, mobility, accountability, and community—with clinicians nearby if issues arise. Cost-effective for clients: Often similar to PT weekly or personal training—but with better adherence and social glue. Team friendly: Therapists enjoy variety and fewer notes; can be delivered by PTs or trained coaches under clinical oversight. Career Pathways & The “Unemployable” Test Two good options: Go all-in on ownership or join a high-performing cash clinic as an intrapreneur (clinic director, partner track). Value first, then ask: Promotions/partnerships follow demonstrated impact, not tenure. Reputation compounds. Pro Tips You Can Use This Month Launch continuity now: Create 1–2 simple monthly options (e.g., strength + mobility; return-to-sport). Pilot a small group: 4–8 clients, 2x/week, 8 weeks. Price for value, track retention, collect testimonials. Map your model: List your market realities (Medicare, Tricare, local payer rates, boomer density) before choosing cash/hybrid. Hire from the doers: Prioritize applicants who've tried solo—“batteries included,” better respect for business realities. Benchmark & iterate: Compare your prices, packages, and continuity % to the industry report; fix one lever each month. Notable Quotes “There isn't one right model—principles win. Leads in, lifetime value up, recruit well, lead well.” “Continuity compacts the snowball. When 30–40% of your visits are recurring, everything gets easier.” “If you want stability without owning every problem, be an intrapreneur—create value, then opportunities chase you.” Action Items Download the Cash PT Industry Report and benchmark your prices, packages, and continuity %. Sketch a small-group pilot (who it's for, schedule, price, progression) and pre-sell 6–8 spots. Define two continuity offers with clear outcomes and a simple monthly cadence. Write a one-page model map for your area (payers, demographics, demand) and choose cash-only vs hybrid accordingly. Programs Mentioned Clinical Rainmaker: Systems to get you full-time in your clinic. Mastermind: Scale space, team, and operations. PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Expenses, visit targets, pricing, 3 paths to go full-time, and a one-page plan. Resources & Links PT Biz Website Free 5-Day PT Biz Challenge Cash PT Industry Report: Download on the PT Biz site. About the Hosts: Doc Danny Matta—staff PT, active-duty military PT, cash-practice founder & exit; now helping 1,000+ clinicians start, grow, and scale with PT Biz. Yves Gege—cash-practice owner and PT Biz co-founder focused on systems, leadership, and scaling.

In this episode, farmer Dustin LaBat of Specklebelly Farms shares what it's like running a diversified you-pick farm that began with just blackberries.   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Owning too many overlapping investments can water down returns, so we will explain how spreading your portfolio too thin may create more risk than protection. Today's Stocks & Topics: XPO, Inc. (XPO), Market Wrap, Tax Lost Harvesting, Infosys Limited (INFY), Palo Alto Networks, Inc. (PANW), Top 4 Signs You've Over-Diversified Your Portfolio, Newmont Corporation (NEM), Barrick Mining Corporation (B), Dollar Cost Average, Invesco S&P SmallCap Energy ETF (PSCE), Vanguard Total World Stock Index Fund ETF Shares (VT), Rates and Inflation.Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out Gusto: https://gusto.com/investtalk* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Unveiling ReserveOne and a new era of bitcoin DeFi with CEO Jaime Leverton at Korea Blockchain Week. To get the show every week, follow the podcast ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠. In today's Markets Outlook, CoinDesk's Jennifer Sanasie and Sam Ewen sit down with Jaime Leverton, CEO of ReserveOne, at Korea Blockchain Week 2025 to discuss the critical role of transaction fees in bitcoin halving and the potential for a new era of bitcoin DeFi. Plus, she gives us an exclusive look at ReserveOne, a new public company aiming to be a one-stop-shop for crypto investors, with a management team she calls the "Avengers of Crypto." This content should not be construed or relied upon as investment advice. It is for entertainment and general information purposes. - This episode was hosted by Jennifer Sanasie and Sam Ewen.