Podcasts about diversified

Are you building a sound portfolio or simply investing in whatever is hot right now? It's tempting to chase the stocks and sectors delivering the highest returns, but today's winners rarely remain on top forever. By the time an investment attracts widespread attention, much of its growth may have already happened. Today I'm discussing why there is no single “best” portfolio, how diversification can reduce volatility and costly emotional decisions, and why investors should aim for reasonable long-term results instead of constantly chasing top performers. To learn why a reasonable portfolio may be the smarter path to long-term investing success, tune in. ________________________________________________________________ SOCIAL LINKS: Facebook: https://www.facebook.com/AaronKatsmanLC/ LinkedIn: https://www.linkedin.com/in/aaron-katsman-6550441/ ________________________________________________________________ SUBSCRIBE TO THE PODCAST: iTunes: https://podcasts.apple.com/us/podcast/the-aaron-katsman-show/id1192234142 Stitcher: https://www.stitcher.com/podcast/the-aaron-katsman-show Spotify: https://open.spotify.com/show/1lePc1pC0giBFV1nzCGsQR ________________________________________________________________ VISIT MY WEBSITE: Website: https://www.aaronkatsman.com/ ________________________________________________________________ CONTACT ME: Email me: aaron@lighthousecapital.co.il ________________________________________________________________ DISCLAIMER: Aaron Katsman is a licensed financial professional both in the U.S. and Israel. Call 02-624-0995 for a consultation on how to handle U.S. brokerage accounts from Israel. This video is for education purposes only and is not intended to give investment, legal or tax advice. If such advice is needed, contact a licensed professional who can help you. Securities offered through Portfolio Resources Group Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not of Portfolio Resources Group Inc., or its affiliates. Neither PRG nor its affiliates give tax or legal advice.

In this episode of Wake Up, Look Up, Pastor Zach explores the idea of whether your life portfolio is diversified enough, using a New York Times article about runners who are forced to stop running. He unpacks how easily people can build identity around temporary things like hobbies, careers, or achievements, and what happens when those things are taken away. He then points to Jesus' teaching in Matthew 6, showing how true security comes from investing in eternal things rather than over-attaching our lives to what won't last.Have an article you'd like Pastor Zach to discuss? Email us at wakeup@ccchapel.com!

With interest rates at a pivotal point, staying diversified in fixed income has never been more important. Join us for a timely discussion on the Canadian fixed income landscape as we head into Q3. Portfolio manager Lee Ormiston will break down the latest Bank of Canada rate decision, what it signals for markets and how investors can position portfolios in a shifting environment. From duration and credit to opportunities across the yield curve, we'll explore where value may be emerging and where risks remain. Recorded on June 18, 2026. At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For a fifth year in a row, FidelityConnects by Fidelity Investments Canada was ranked #1 podcast by Canadian financial advisors in the 2025 Environics' Advisor Digital Experience Study. - Vos placements sont-ils diversifiés? Stratégies de titres à revenu fixe canadiens pour le troisième trimestre – Lee Ormiston Dans un contexte où les taux d'intérêt atteignent un point charnière, la diversification parmi les titres à revenu fixe n'a jamais été aussi importante. Joignez-vous à nous pour une discussion pertinente sur le contexte des titres à revenu fixe canadiens à l'aube du troisième trimestre. Lee Ormiston, gestionnaire de portefeuille, expliquera la plus récente décision de la Banque du Canada en matière de taux, ce qu'elle signifie pour les marchés et la façon de positionner ses portefeuilles dans un contexte en évolution. De la duration au crédit, en passant par les occasions sur l'ensemble de la courbe des taux, nous examinerons où la valeur pourrait émerger et où les risques subsistent. Pour une version avec des sous-titres français, veuillez consulter https://youtu.be/9kqlaoBPArw Date : 18 juin 2026 Chez Fidelity, notre mission consiste à aider le public investisseur canadien à se bâtir un meilleur avenir et à rester à l'avant-garde. Nous offrons aux particuliers et aux institutions une gamme de portefeuilles de placement innovants et fiables pour les aider à atteindre leurs objectifs financiers et personnels. Les fonds communs de placement et les FNB de Fidelity sont offerts par l'intermédiaire des conseillers et conseillères en placements et de comptes de courtage en ligne. Pour de plus amples renseignements, visitez fidelity.ca/commentinvestir. Les baladodiffusions DialoguesFidelity se sont classées au premier rang pour une cinquième année consécutive lors du sondage 2025 d'Environics sur l'expérience numérique des conseillers et conseillères en placements au Canada.

Reflections from host Sarah Olivieri ... $20 Million in Grants, Suddenly Gone: How One Nonprofit Survived A year ago, a single nonprofit had $20 million in federal grants on the books. Three awards from three different agencies. By every conventional measure, the funding base looked strong. Then federal priorities shifted. All three grants were eliminated. The organization went from 30 staff to 18 in a matter of months, but they are still standing. That nonprofit is From Prison Cells to PhD, and its founder, Dr. Stanley Andrisse, is the guest on this week's episode of Inspired Nonprofit Leadership. The story has stayed with me, and this article is where I want to go deeper on the part of it that most fundraising conversations skip. The part most people focus on is the funding loss itself. That is the dramatic surface. The part that actually explains why this organization is still standing, and rebuilding faster than most would, sits one layer underneath. Their grant portfolio was huge, but every single dollar of it was aligned to their core mission. There was no program built to chase money that drifted from what they exist to do. When the grants disappeared, what was left was a smaller version of the same organization, not the wreckage of a stretched and confused one. That is the lesson I want to draw out here. Diversified funding gets the headlines in nonprofit strategy conversations. Mission alignment gets less airtime. The truth is, neither one works without the other. An organization with five revenue streams and a sprawl of mission-drifted programs is just as fragile as an organization with one revenue stream and a tight mission. The combination matters, and the combination is what makes a nonprofit shock-resistant. Mission Creep Is The Hidden Cost Of Grants Most leaders I work with know about mission creep in the abstract. They have heard the warning. Where it actually shows up is in the language of a grant application. A funder wants outcomes the organization does not currently produce. A funder wants a population the organization does not currently serve. A funder wants a program design the organization does not currently run. The grant is large. The deadline is short. The board is anxious. The cash flow is tight. The leader makes a small adjustment to fit the application. The grant lands. A program gets built around the requirements. Six months in, the staff is running a workstream that no one in the organization is particularly proud of, but the money is keeping the lights on, so it stays. Multiply that pattern by three or four grants over five years, and the organization no longer looks like itself. The mission statement on the website has not changed, but the actual portfolio of work has drifted significantly. From the inside, leaders rarely notice. They are too close to it. The drift only becomes visible when something forces them to subtract. This is the trap. Grants do not just bring in money. They bring in shape. Every restricted grant is a small set of constraints applied to the organization. A few of those constraints, aligned to the mission, sharpen the work. A lot of them, applied without discipline, distort the work into something else. What Mission Alignment Actually Protects When From Prison Cells to PhD lost $20 million in a single year, the organization did not face the second crisis that usually follows a funding crisis. The second crisis is the realization that half of what you have been doing was never really the work you wanted to do, and now you have to dismantle programs that staff and stakeholders are emotionally attached to in addition to surviving the revenue gap. Because every grant had been mission-aligned, the response was straightforward. Smaller staff. Same work. Same scholars. Same outcomes at a smaller scale. The organization could be honest about what it was paring back without having to defend choices made to chase prior funders. There were no orphaned programs to wind down. There was no donor narrative to untangle. The proportional scale-back was clean. This is what mission alignment actually protects. It protects the speed of your response in a crisis. It protects the morale of your team. It protects your credibility with the funders you still have, because the work that survives is recognizable as the work you have always done. And it protects your ability to rebuild, because the case for support stays consistent. You are not selling a new version of yourself to new donors. You are inviting them into the version that has always been there. Diversification Is The Other Half Of The Equation A mission-aligned organization that has built only one funding pipeline is still fragile. When that pipeline cuts off, the response is still hard. The work stays clear, but the resources to do it disappear. This is where the funding cake framework comes in. I use this language with clients all the time. Major donors are the base layer of the cake. They give unrestricted. They stay for life. They refer their friends. They are insulated from political swings because their decision is personal, not policy-driven. Individual donors at lower giving levels are the next layer. Corporate sponsorships, where they fit, are another layer. Planned giving sits with the major donor layer. Grants are the icing. Icing is wonderful in the right proportion. It is also the most exposed layer of the cake. It melts under the wrong heat. Organizations that treat grants as the foundation are running a cake made of icing, and the first political shift becomes an existential event. Organizations that treat grants as one accelerant among several can lose a major grant and stay upright. From Prison Cells to PhD did not have only grants. They had foundation relationships. They had city and state partnerships. They had philanthropic supporters who had given before and gave again. The grants were significant, but they were one layer in a stack. When that layer disappeared, the stack got shorter, not flat. Why The Two Pieces Have To Move Together This is the part I want every nonprofit leader reading this to take away. Mission alignment without diversified funding is admirable but exposed. Diversified funding without mission alignment is broad but distorted. The combination is what produces an organization that can take a hit and keep going. Picture the inverse of From Prison Cells to PhD's experience. Imagine an organization that took the same $20 million in grants, but each grant required a slight pivot, a new population, a new methodology, a new geography. When the grants disappear, that organization does not just lose revenue. It loses the programs the grants were funding, programs that were never quite the work the organization exists to do, programs that other funders will not back because they do not fit the brand of the organization either. The rebuild from that position takes years. The rebuild from From Prison Cells to PhD's position takes months, because the foundation underneath was always intact. Mentorship was another thread that came up in the conversation, and it deserves a mention here. Dr. Andrisse's own story turns on a mentor who saw a capacity in him that nothing in his environment was reinforcing. That same posture, applied at the program level, is part of what makes the organization's work effective. It is not separate from the funding story. The organizations that hold their mission tight enough to attract long-term funders tend to be the same organizations that hold their participants tight enough to produce real outcomes. Identity discipline at the leader level shows up as program discipline at the participant level and as funding discipline at the development level. It is the same muscle. What This Means For Your Next Grant Decision The practical implication is uncomfortable, because it asks leaders to leave money on the table sometimes. When a grant application asks you to describe work you do not actually do, the right answer is usually no. When a grant requires a population shift or a methodology shift that pulls you off your core, the right answer is usually no. When a grant requires you to invent a program to fit the funder's interests, the right answer is almost always no. The leaders who get this right tend to share a habit. Before applying for any significant grant, they ask one question. If this funder disappeared tomorrow, would this program still belong inside our organization? If the answer is yes, the grant is aligned. The work compounds. The grant lands and strengthens the organization. If the answer is no, the grant is a trap dressed up as a windfall. The work distorts. The grant lands and weakens the organization's center. This discipline is hard in the moment. The deadline is short. The cash flow is tight. The board wants the win. The discipline is also what produces the From Prison Cells to PhD outcome instead of the cautionary tale outcome. What Becomes Possible When mission is the filter and funding is the stack, the leader stops running the organization in reactive mode. There is room to say no to grants that distort the program. There is room to build the slower, deeper donor relationships that produce unrestricted gifts. There is room to develop staff into leadership rather than burning them out chasing the next application. There is room to take a $20 million loss and still be standing, smaller, but recognizable, and ready to rebuild on the same foundation that has always been there. The work is still hard. The mission is still complex. The world is still unpredictable. What changes is that the organization is no longer fragile. It can take a hit. It can take three hits. It can keep going. This isn't about doing less work. It's about doing work that compounds. Nonprofits can survive losses that would close other organizations. They can rebuild faster than seems possible. They can stay recognizable to themselves through hard seasons. Not by pushing harder, but by holding the mission steady and building the stack underneath it. About the Guest Dr. Stanley Andrisse is an endocrinologist, scientist and assistant professor at Howard University College of Medicine is researching type 2 diabetes and insulin resistance. Dr. Andrisse is a visiting faculty at Georgetown University Medical Center, held a visiting faculty position at Imperial College London, and held an adjunct professorship at Johns Hopkins Medicine after completing his postdoctoral training. Dr. Andrisse completed his PhD at Saint Louis University and his MBA and bachelor's degree at Lindenwood University, where he played three years of collegiate football. Dr. Andrisse's service commitments include: Executive Director and Founder of From Prison Cells to PhD, Vice President of the board for the Formerly Incarcerated College Graduates Network, board member on The Endocrine Society, past president of the Johns Hopkins Postdoctoral Association, founder of the Diversity Postdoctoral Alliance, member of several local and national committees, motivational speaker, and community activist. Connect with Stanley: Breaking Chains, Building Futures: Pathways to Redemption, Education, and Excellence — Amazon link Facebook: @Prof.Andrisse Instagram: @dr_andrisse LinkedIn: Dr. Stanley Andrisse X (Twitter): @Dr_Andrisse From Prison Cells to PhD (P2P) Website: www.fromprisoncellstophd.org Facebook: @fromprisoncellstophd Instagram: @prison2pro LinkedIn: From Prison Cells to PhD X (Twitter): @prison2pro TikTok: @prison2pro YouTube: From Prison Cells to PhD Be sure to subscribe to Inspired Nonprofit Leadership so that you don't miss a single episode, and while you're at it, won't you take a moment to write a short review and rate our show? It would be greatly appreciated! Let us know the topics or questions you would like to hear about in a future episode. You can do that and follow us on LinkedIn.

Thursday 2 July 2026 Diversified miner South32 sells its aluminium and alumina business for $10 billion, as it focuses on copper. House prices across the nation fall for the third month in a row Coles under fire from the ACCC over a Kalgoorlie supermarket Prime Minister Anthony Albanese says it’s appropriate that the people who accessed his bank accounts are charged US President Donald Trump makes more than $US1bn from business dealings in cryptocurrency Hit follow on the podcast so you don’t miss the latest news, and join our free daily newsletter here And don’t miss the latest episode of How Do They Afford That? - six goals for the new financial year. Get the episode from Apple, Spotify or anywhere you listen to podcasts.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

This week's show gives a primer on corporate bonds, talks sequence of returns risk and diversification, and answers lots of questions as always!

Fritz Folts, chief investment strategist at 3EDGE Asset Management, says he has pulled back slightly on equity exposure but gone deeper into a diversified approach because the market has been crazy, driven by investors' fear of missing out, sky-high expectations and more, to the point where the key is to participate and not be wrong because you are taking chances on what amounts to a wild guess. If Folts had to guess, he'd expect the stock market to have a bumpy ride in the second half of the year, finishing roughly flat from current levels. Michael Monaghan, founder and portfolio manager of the Founder ETFs makes his debut in the Market Call, talking about his firm's methodology, which focuses on companies where the original founder remains in the driver seat. Research shows that founder-led companies tend to outperform for several reasons, notably that the entrepreneurs behind them have a long-term vision and are not swayed by short-term market noise or pressured to produce a quarterly profit. Monaghan, who runs the Founders 100 ETF, discusses how founder-CEOs influence giants like Nvidia and Meta Platforms and how a portfolio of these stocks can expect more stable long-term performance.  In the ETF of the Week segment, Todd Rosenbluth, head of research at VettaFi, focuses on a value fund from T. Rowe Price that just hit its third anniversary, gaining roughly 30 percent over the last 12 months

NEWS: Cebu emerges as a diversified economic powerhouse | June 24, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Joe Schmitz, CEO of Peak Retirement Planning, urges investors to stay disciplined in volatile markets and avoid emotional decisions. He calls the SpaceX (SPCX) IPO overpriced and warns against chasing hype. Schmitz emphasizes long-term diversification and managing sequence-of-returns risk, especially for retirees.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Investing has never felt more personal. Canadians today have more access to markets, investing tools and financial information than ever before, but with constant headlines, social media advice and investing trends competing for attention, staying engaged can quickly turn into reacting to short term noise.How do you stay informed without getting caught up in investment FOMO? And how do you build a portfolio shaped by discipline rather than drift or personal bias?In this episode of CIBC Smart Advice, host Carissa Lucreziano sits down with David Wong, Group Chief Investment Officer at CIBC Global Asset Management, to discuss DIY investing, portfolio drift and the blind spots that can quietly undermine diversification.3 Reasons to Listen to This EpisodeLearn how portfolio drift can quietly change your investment strategy over timeDiscover why investment FOMO and overtrading can hurt long-term returnsUnderstand how diversification and discipline help investors navigate market uncertaintyResources Mentioned / Links List ● CIBC's "Smart Advice" Podcast and Website - Website | Apple Podcasts | Spotify | Amazon Music● Visit CIBC for more Smart AdviceAbout David WongDavid Wong is Group Chief Investment Officer, CIBC Global Asset Management. He is responsible for CIBC Global Asset Management's managed solutions investment process and portfolio management. His Total Investment Solutions team helps determine asset allocations and portfolio construction, researches and evaluates managers, and monitors investments across the firm's roughly $80 billion managed solutions programs. The team is also responsible for trading execution, beta management, and performance and risk oversight across all of CIBC Global Asset Management.In addition, David is a member of the CIBC Family Office Leadership Team and provides institutional asset allocation advice to ultra-high net worth individuals and families.David joined CIBC Global Asset Management in July 2011 and previously served as Managing Director, Investment Management Research until June 2021. He has more than 26 years of industry experience in New York and Toronto.Connect with David Wong on LinkedIn. Episode Highlights[01:40] Why DIY Investing Feels More Personal Than EverCarissa and David discuss why more Canadians are taking a hands-on approach to investing, and how greater access to information, markets and investing tools has fundamentally changed the way people think about building wealth.[04:11] The Rise of “Finfluencers” and Investment FOMODavid breaks down new OSC research on social media investing behaviours, emotional decision-making and why online investing culture can encourage overtrading and unnecessary risk.[05:51] The Hidden Risk of OveractivityThe conversation explores how emotional investing, poor timing and frequent trading can create “behaviour gaps” that negatively impact long-term portfolio performance.[07:30] Building a Portfolio Around Discipline, Not HeadlinesDavid explains why successful investing is less about chasing shortcuts and more about creating a long-term plan built around savings discipline, diversification and compounding.[13:53] What Portfolio Drift Actually Looks LikeUsing the Canadian and U.S. markets during the 1990s and early 2000s as an example, David explains how portfolios can quietly become unbalanced over time and why rebalancing matters.[17:28] AI, Market Noise and the Danger of PredictionThe discussion turns to artificial intelligence, market headlines and investing trends, and why preparation and diversification matter more than trying to predict what happens next.[21:58] The Investing Habits That Matter Most“You're never fully diversified until there's something in the portfolio that you don't like.”David shares the investing philosophies and mindset shifts that have shaped his approach after nearly three decades in the industry.Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends! Hosted on Acast. See acast.com/privacy for more information.

Chuck Todd walks through a primary night that was, in his words, a really good night for Democrats — and one that may have just answered whether 2026 is shaping up as a genuine blue wave. The night's biggest single story came out of Iowa, where Zach Lahn pulled off a stunning upset of Randy Feenstra in what Chuck characterizes as a "MAHA vs. MAGA" race — Trump endorsed the establishment Feenstra and lost, which Chuck predicts will drive the president absolutely nuts. Iowa Democrats also got a substantial ticket boost when Josh Turek blew out Zach Wahls in the Senate primary, and combined with the surprisingly strong gubernatorial candidacy of Rob Sand, Iowa is now the cleanest test case in the country for whether the political wind has truly shifted — a right-leaning state where the politics are visibly in flux. Chuck flags that Lahn can probably be painted as too far right in a general, that having "congressman" as your first name has become a real disadvantage in 2026, and that the night was an unambiguous positive for Democrats nationally. He also walks through results elsewhere: New Jersey's seventh district will see Tom Keane (still mysteriously MIA from his own campaign) face Rebecca Bennett; South Dakota's gubernatorial race is headed to its first-ever runoff after four candidates each cleared 20%, and Deb Haaland is on track to become the first Native American woman governor in U.S. history. The conversation then turns to California, where Chuck warns it will be days before we have full primary results but where turnout is already on pace to exceed 2022. He cautions viewers about the inevitable early "red mirage" from the mail-vote curve, predicts Hilton has enough of a lead over Steyer that he likely survives, and argues Xavier Becerra would much rather face Hilton than Steyer in a general — though a potential scandal is looming over Becerra that could reshape the whole race. Chuck argues a Becerra-Hilton race would be a conventional Democrat-versus-Republican contest, that Steyer has spent $500 million across his last two campaigns and still has a low ceiling because he's created a genuine sense of voter exhaustion, and that the single most fascinating race in the state right now is CA-06 and Kevin Kiley. The Los Angeles mayoral picture is clarifying too: Karen Bass and Spencer Pratt appear set to advance, which Todd argues is exactly what Bass wanted — it will be far easier to turn Pratt into a Trump acolyte in a general election than to face the formidable Nithya Raman. He notes that Matt Mahan became known as "big tech's candidate" in ways that genuinely hurt him, and closes with one to watch in Montana, where independent Seth Bodner is quietly hoping the Democratic candidate eventually bows out so he can consolidate the anti-incumbent vote into a real challenge. Then, Orange County Mayor Jerry Demings — the former Orlando police chief turned local executive who is now running for governor of Florida — joins the Chuck Toddcast for a candid conversation about the challenges of being a Democrat in modern Florida and the lessons his unusual career path (accountant, then cop, then mayor) brings to executive leadership. Demings reveals that Governor Ron DeSantis personally threatened to remove him from office over his opposition to ICE operations in Orange County, and uses that experience as the entry point to a broader discussion about what's gone wrong with American law enforcement. He argues you cannot solve police shortages by lowering recruiting standards — exactly what he says ICE did when it ramped up so quickly that screening and training went out the window, with the predictable consequence that ICE has now begun poaching trained officers from state and local departments. Demings makes the case that we have to get criminals off the streets but it has to be done lawfully, that state law enforcement should not be doing immigration work, and that being elected sheriff as a partisan position creates real tensions because the actual responsibilities of the job aren't partisan at all. He pushes back on the idea that he's running to be a "performance politician" and frames his candidacy as wanting to bring competent local-government experience to a state level that he says is suffering from leaders chasing viral moments rather than delivering services. The conversation turns to the structural challenges facing Florida and the deeper question of why Democrats can't win statewide in a state that's growing more diverse by the year. Demings argues Florida's underpaid state legislators simply don't attract quality talent, that many longtime Florida Democrats have left the party out of pure frustration, and that the party's central task is to restore basic public belief in government's capacity to function. He's willing to give DeSantis credit for diversifying and growing Florida's economy, but argues the state needs to find efficiencies rather than continually burdening local governments with expenses it should be covering itself — and points to slashed state mental health funding as a direct driver of the violent crime he sees in his community. Demings is sharp on Florida's climate exposure, arguing the state is building in places it absolutely should not be building, and that hurricane-hardened construction standards need a major overhaul, He flags the NAACP's call for athletes to avoid schools in remapping states as the kind of extreme response that extreme government actions inevitably provoke, and warns that the politics of division are starting to genuinely threaten Florida's tourism economy — meaning the state's longtime economic engine may finally be running into the consequences of the culture wars its leaders have spent the past decade fueling. Finally, Chuck presents his ToddCast Top 5 list of instances that Republicans have rebuked Donald Trump in his second term, and answers listeners’ questions in the “Ask Chuck” segment. Predict the action all the way through the finals. Sign up now for your twenty-five dollar bonus on https://fanduel.com/predicts Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Timeline: 00:00 Chuck Todd’s introduction 01:00 Tuesday was a REALLY good night for Democrats nationally 01:30 Tom Keane still MIA, will face Rebecca Bennett in NJ-07 04:00 Iowa results made Democratic ticket substantially stronger 04:30 Josh Turek blew out Zach Wahls in Iowa 05:30 Biggest upset of the night was Zach Lahn beating Randy Feenstra 08:15 Lahn vs. Feenstra was a MAHA vs. MAGA race 08:45 Iowa is a right leaning state, but the state’s politics are in flux 09:45 Having a first name of “congressman” is a major disadvantage 11:30 Rob Sand is a very strong Democratic candidate for governor in Iowa 13:15 It’s possible Lahn can be painted as too far to the right 14:15 Iowa will be the test of whether 2026 is a blue wave election 15:30 Iowa was a huge positive development for team blue 16:45 Trump endorsing Feenstra then losing will drive Trump nuts 19:00 South Dakota governor’s race headed to runoff for first time 20:45 Four candidates in SD gubernatorial race received 20% of vote 23:00 Voters keep rewarding political bomb throwers 24:00 Trump endorsed the least Trump-like candidate, voters chose the Trumpy one 25:00 Deb Haaland on track to be the first Native American woman governor 25:30 It will be days before we know the full results of California primaries 27:30 California turnout will exceed turnout in 2022 28:30 Early on there will be a red mirage in California due to early vote 31:00 Hilton has enough of a lead over Steyer that he likely hangs on 32:15 Becerra would rather run against Hilton than Steyer 32:45 Steyer has created a sense of exhaustion 33:45 A Becerra v Hilton race would be a conventional D vs. R race 34:15 Potential scandal looms over Becerra 35:45 Most fascinating race is CA-06 and Kevin Kiley 38:15 It looks like Karen Bass & Spencer Pratt will move on in LA mayoral 40:30 It will be easier for Bass to turn Pratt into a Trump acolyte than face Raman 41:45 Steyer has a low ceiling, and has spent $500M in last two campaigns 43:30 Matt Mahan became known as “big tech’s candidate” and that hurt him 46:00 Independent Seth Bodner hoping Democratic candidate bows out in Montana 54:30 Jerry Demings joins the Chuck ToddCast 55:30 How did you go from accountant to police to mayor? 56:45 Accounting background helped with managing the city budget 58:00 How has Orlando changed since the time you were a police officer in the 80s? 59:30 Working on police reform both locally and nationally 1:00:45 Should the focus for police be better recruiting or better training? 1:01:30 Lowering recruiting standards can’t be the answer to police shortages 1:02:15 ICE was forced to ramp up so fast they didn’t screen or train recruits properly 1:03:45 We have to get criminals off the street, but it has be done lawfully 1:04:30 What were the unintended consequences of ICE’s questionable recruitment? 1:05:45 ICE began poaching state and local police officers 1:07:45 Should county sheriff be an elected position? 1:09:00 Political considerations do enter the equation when you’re elected 1:10:30 Size of jurisdiction does matter when it comes to appointed vs. elected 1:11:30 Sheriff is elected as a partisan position, but the responsibilities aren’t partisan 1:12:30 Why did you want to run for governor? 1:15:00 Want to take experience at local level government to a larger level 1:15:45 Ron DeSantis threatened to remove him over opposition to ICE 1:18:30 How would you work with the Republican dominated legislature? 1:20:30 Republicans have a large voter registration advantage in Florida 1:21:45 Not interested in being a performance politician 1:23:00 Why have Democrats been unable to elect a governor in Florida? 1:23:30 Florida’s legislators are underpaid, don’t attract quality talent 1:25:15 Many Florida Democrats left the party due to their frustration 1:27:00 Democrats need to restore belief in government 1:28:30 What has Ron DeSantis done right? Diversified & grown the economy 1:30:45 Does Florida need more tax revenue and how do you acquire it? 1:32:30 Government should always look to find inefficiencies & fix them 1:33:30 The state keeps burdening local governments with expenses 1:35:00 State has slashed funding for mental health, leading to violent crime 1:38:00 There is a lot of fraudulent claims made in Florida, state bad at investigating 1:39:00 State law enforcement shouldn’t be doing immigration enforcement 1:39:45 Florida is building in places they shouldn’t be, not factoring climate change 1:40:45 Florida should be hardening their building and infrastructure 1:42:00 Should Florida ban manufactured housing? 1:43:15 Florida needs housing construction standards that make sense 1:44:30 NAACP calling on athletes to not attend schools in remapping states 1:45:30 Extreme actions by the government elicit extreme responses 1:47:30 Tourism in Florida is being threatened by politics 1:49:45 Politics is dividing people by racial lines 1:51:45 Chuck’s thoughts on interview with Jerry Demings 1:53:45 DeSantis trying to ram through property tax cut before November 1:55:45 Trump replacing Tulsi Gabbard with Bill Pulte for DNI 1:56:45 Republicans immediately starting pushing back on Pulte as nominee 1:58:15 No need for NDI. CIA has won the intel agency turf battle 1:59:00 Bill Pulte makes Tulsi Gabbard look qualified for DNI role 2:01:15 ToddCast Top 5 instances Republicans successfully rebuked Trump 2:01:30 #5 The Epstein files 2:03:00 #4 Trump’s threat to take over Greenland 2:04:00 #3 Fed chair Jay Powell 2:05:15 #2 Matt Gaetz nomination for AG 2:07:15 #1 Death of Trump’s anti-weaponization slush fund 2:13:00 Ask Chuck 2:13:15 Thoughts on potential reforms, how realistic are they? 2:20:30 Why do you call Democrats the party that’s held to a higher standard? 2:24:15 Do you see Wes Moore as a top Democratic contender in ‘28? 2:29:15 Is Mike Johnson’s speakership at risk? Would he be the minority leader? 2:31:30 Can Keir Starmer survive as PM? Will Nigel Farage be PM? 2:36:30 Do you think a more virtual governance model rather than in-person would work? See omnystudio.com/listener for privacy information.

Orange County Mayor Jerry Demings — the former Orlando police chief turned local executive who is now running for governor of Florida — joins the Chuck Toddcast for a candid conversation about the challenges of being a Democrat in modern Florida and the lessons his unusual career path (accountant, then cop, then mayor) brings to executive leadership. Demings reveals that Governor Ron DeSantis personally threatened to remove him from office over his opposition to ICE operations in Orange County, and uses that experience as the entry point to a broader discussion about what's gone wrong with American law enforcement. He argues you cannot solve police shortages by lowering recruiting standards — exactly what he says ICE did when it ramped up so quickly that screening and training went out the window, with the predictable consequence that ICE has now begun poaching trained officers from state and local departments. Demings makes the case that we have to get criminals off the streets but it has to be done lawfully, that state law enforcement should not be doing immigration work, and that being elected sheriff as a partisan position creates real tensions because the actual responsibilities of the job aren't partisan at all. He pushes back on the idea that he's running to be a "performance politician" and frames his candidacy as wanting to bring competent local-government experience to a state level that he says is suffering from leaders chasing viral moments rather than delivering services. The conversation turns to the structural challenges facing Florida and the deeper question of why Democrats can't win statewide in a state that's growing more diverse by the year. Demings argues Florida's underpaid state legislators simply don't attract quality talent, that many longtime Florida Democrats have left the party out of pure frustration, and that the party's central task is to restore basic public belief in government's capacity to function. He's willing to give DeSantis credit for diversifying and growing Florida's economy, but argues the state needs to find efficiencies rather than continually burdening local governments with expenses it should be covering itself — and points to slashed state mental health funding as a direct driver of the violent crime he sees in his community. Demings is sharp on Florida's climate exposure, arguing the state is building in places it absolutely should not be building, and that hurricane-hardened construction standards need a major overhaul, He flags the NAACP's call for athletes to avoid schools in remapping states as the kind of extreme response that extreme government actions inevitably provoke, and warns that the politics of division are starting to genuinely threaten Florida's tourism economy — meaning the state's longtime economic engine may finally be running into the consequences of the culture wars its leaders have spent the past decade fueling. Predict the action all the way through the finals. Sign up now for your twenty-five dollar bonus on https://fanduel.com/predicts Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Timeline: (Timestamps may vary based on advertisements) 00:00 Jerry Demings joins the Chuck ToddCast 01:00 How did you go from accountant to police to mayor? 02:15 Accounting background helped with managing the city budget 03:30 How has Orlando changed since the time you were a police officer in the 80s? 05:00 Working on police reform both locally and nationally 06:15 Should the focus for police be better recruiting or better training? 07:00 Lowering recruiting standards can’t be the answer to police shortages 07:45 ICE was forced to ramp up so fast they didn’t screen or train recruits properly 09:15 We have to get criminals off the street, but it has be done lawfully 10:00 What were the unintended consequences of ICE’s questionable recruitment? 11:15 ICE began poaching state and local police officers 13:15 Should county sheriff be an elected position? 14:30 Political considerations do enter the equation when you’re elected 16:00 Size of jurisdiction does matter when it comes to appointed vs. elected 17:00 Sheriff is elected as a partisan position, but the responsibilities aren’t partisan 18:00 Why did you want to run for governor? 20:30 Want to take experience at local level government to a larger level 21:15 Ron DeSantis threatened to remove him over opposition to ICE 24:00 How would you work with the Republican dominated legislature? 26:00 Republicans have a large voter registration advantage in Florida 27:15 Not interested in being a performance politician 28:30 Why have Democrats been unable to elect a governor in Florida? 29:00 Florida’s legislators are underpaid, don’t attract quality talent 30:45 Many Florida Democrats left the party due to their frustration 32:30 Democrats need to restore belief in government 34:00 What has Ron DeSantis done right? Diversified & grown the economy 36:15 Does Florida need more tax revenue and how do you acquire it? 38:00 Government should always look to find inefficiencies & fix them 39:00 The state keeps burdening local governments with expenses 40:30 State has slashed funding for mental health, leading to violent crime 43:30 There is a lot of fraudulent claims made in Florida, state bad at investigating 44:30 State law enforcement shouldn’t be doing immigration enforcement 45:15 Florida is building in places they shouldn’t be, not factoring climate change 46:15 Florida should be hardening their building and infrastructure 47:30 Should Florida ban manufactured housing? 48:45 Florida needs housing construction standards that make sense 50:00 NAACP calling on athletes to not attend schools in remapping states 51:00 Extreme actions by the government elicit extreme responses 53:00 Tourism in Florida is being threatened by politics 55:15 Politics is dividing people by racial linesSee omnystudio.com/listener for privacy information.

Michael Howell, CEO of CrossBorder Capital, an investment advisory firm, and author of Capital Wars, returns to The Julia La Roche Show for an in-studio episode. In this episode, Howell reveals money is flowing out of financial markets into the real economy, marking the end of Wall Street's era and the beginning of Main Street's turn. He warns the market is in a "speculation phase" with low quality returns built on narrow foundations—only AI and semiconductors are racing while most securities stagnate—and the next phase will be "turbulence" as liquidity slows and the bearish flattening yield curve continues. Howell details how the system has monetized with the Treasury refinancing $600 billion per week in short-term bills, notes there is "unquestionably way too much debt," and makes the contrarian call that the Fed will raise rates in the next 12 months because the economy is too strong at 7-8% nominal GDP growth. He positions commodities and energy as the place to be, argues gold is a hedge against monetary inflation (not CPI), and suggests the gold-oil ratio could imply oil prices of $200 per barrel.Thank you to our sponsor Monetary Metals. https://monetary-metals.com/julia Links:  Website: http://www.crossbordercapital.com/ Twitter/X https://x.com/crossbordercapSubstack: https://capitalwars.substack.com/ Book: https://www.amazon.com/Capital-Wars-Rise-Global-Liquidity/dp/30303929020:00 Opening - Money leaving financial markets for real economy1:29 Speculation phase - Low quality returns on narrow foundations6:49 Liquidity rolling over - Rate of change critical7:38 Money flowing from financial sector to real economy13:23 Debt refinancing phenomenon - 4 out of 5 transactions15:25 Way too much debt, only monetization is the way out16:40 China monetizing like Japan did with Abenomics19:32 US monetization already happening - $600B weekly debt refinancing24:28 MOVE index suppressed through treasury buybacks30:12 Kevin Warsh expectations for new Fed chair32:01 Inflation no longer transitory - Now illusionary35:48 Monetary inflation hurdle 7-8% per year37:26 What to own - Diversified into commodities, energy, gold40:10 Gold-oil ratio could mean oil $200 per barrel40:50 Contrarian call - Fed must raise rates in 12 months43:15 Find him at Capital Wars Substack

Get ad-free listening and exclusive shows by becoming a Supporter of The Real Science of Sport!In our Spotlight this week:The heat wave in Paris is making life very difficult at Roland Garros, with Casper Ruud describing himself as "walking around like a zombie" during his first round match. We explore the physiology of heat regulation in tennis, how safety policies are developed to protect players, explain why heat changes the tactical and technical nature of play, and what can be done to help players without handing out free passes to those less well preparedSean Ingle joined us recently to talk about the Enhanced Games. We share our thoughts as the dust settles, with more reflection on why the premise of trustworthiness was never really delivered, the money that is turning athlete's heads, and Gareth walks back a few things he said in the heat of the momentWe explain the deliberate logic behind World Athletics' new qualification standards, and what it means for athletes without a good agent or a seat at the Diamond League tableRugby and concussion are in the Spotlight again with two research developments. First, a group of researchers is promising a new evidence-backed head impact assessment protocol for women's players. Ross doesn't know exactly what that means, and we discuss what is already known about women's susceptibility to concussion. Then, a new study out of Ireland provides the first published evidence that lowering the legal tackle height in rugby has reduced concussion and overall injury rates at community level. Ross, who has been directly involved in the process, explains what we now know, what still needs work, and why a 20% drop, scaled across tens of thousands of players, is a genuinely meaningful public health winCan an athlete still compete professionally in multiple sports at the highest level? A great question from listener Robert to our Discourse community (another reason to join our supporters club for more!) sparks a wide-ranging conversation, from Bo Jackson and Deion Sanders to Rebecca Romero and Elise Perry — and why early specialisation has made the whole idea increasingly impossibleForbes has released its top 10 highest-paid athletes of 2026. Ross and Gareth play a guessing game, reflect on what the list says about the business of sport, money and sex, and note that no woman made the top 50. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Massive Passive Cash Flow Podcast, Gary Wilson sits down with alternative investment expert Patrick Grimes to discuss how real estate agents and investors can build more resilient portfolios through diversification, alternative investments, and non-correlated assets. Patrick shares his journey from mechanical engineering and real estate investing to becoming a leader in alternative investments after experiencing major losses during the 2009 subprime mortgage collapse. He explains how setbacks shaped his philosophy around diversification, recession resilience, and long-term wealth protection. The conversation dives deep into: Litigation finance investing Medical receivables investing Diversified investment portfolios Syndications and passive investing Tax-efficient investment strategies Asset protection and wealth preservation Recession-resistant industries Non-correlated investments Risk management for real estate investors Patrick also explains why many investors become overexposed to a single asset class and how alternative investments can help stabilize wealth during uncertain economic conditions. He shares practical insights on building true financial resilience while avoiding common mistakes investors make when scaling too quickly. Whether you're a real estate agent, investor, entrepreneur, or business owner looking to diversify beyond traditional real estate and stocks, this episode provides valuable strategies for creating a stronger and more recession-resistant financial future.

Learn the mindset and moves that lead to real results. Please visit my website to get more information: http://diversifiedgame.com/Jeff Purnell picked a boring business on purpose, and it is quietly becoming one of the smartest moves in Palm Beach County. On this episode of Diversified Game, Kellen Coleman sits down with the principal owner of Purnell Group Contractors, a commercial and post construction cleaning company he built from scratch in under a year, to break down how he found a recession resistant lane, why he refuses to compete on price, and how he and his wife Dominique run it as a husband and wife team.Jeff takes us from the University of Delaware to an HVAC apprenticeship in DC, into tech recruitment, into real estate, and finally into the cleaning industry that most people sleep on. We get into pricing jobs without going broke, vetting clients because all money is not good money, getting SBE certified with your DUNS and CAGE in hand, the ICE audit ready plans that big contracts now require, and where the next contract actually comes from.This is not a burn your life down podcast and there are no quick fixes here. This is real game on ownership, attention to detail, network, and following all the way through.CONNECT WITH JEFF PURNELLWebsite: https://purnell-group.comEmail: jeff@purnell-group.comLinkedIn: Jeff Purnell, Purnell Group ContractorsMENTIONED IN THIS EPISODEE2C cohort, Bruce Lewis, and the team that opened the doorThe Go-GiverSBA, Apex Accelerators (formerly PTAC), and SCORE for free small business helpCHAPTERS0:00 Meet Jeff Purnell and Purnell Group Contractors2:09 Welcome to the show3:22 Delaware to HVAC to recruitment to real estate5:50 How E2C and Bruce Lewis opened the door8:19 Why he picked a boring business on purposeABOUT THE SHOWDiversified Game Podcast is hosted by Kellen Coleman. We bring you real game on business, ownership, wealth, and self determination from people who have actually been in the rooms they describe. Subscribe, like, comment wherever you are watching or listening, and most importantly, share this game with somebody who needs it.

Running out of money is a top fear in retirement, and it almost always traces back to one question: where will your monthly income actually come from? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through how Decker Retirement Planning builds a diversified retirement income plan. The same math-based, fiduciary process they use with clients every day. What this episode covers: • The bucket strategy: structuring emergency cash, principal-guaranteed income accounts, and a separate growth "risk bucket" so every dollar in your portfolio has a job • Annuities, demystified: why Decker steers clear of income and variable annuities, and where fixed indexed annuities (FIAs) and MIGAs actually fit • Social Security timing: spousal benefits, the 8% delayed-retirement credit, and how to coordinate two spouses for the most lifetime income • Pension decisions: lump sum vs. income stream, the real break-even math, and counterparty risk • Tax-smart withdrawals: Roth conversions, account placement, and keeping more of your money out of Uncle Sam's hands If you're within 5–10 years of retirement and you want a clear, structured plan that balances safety and growth, this episode is for you. Schedule a no-cost retirement review: 833-707-3030 Free resources, including The Decker Approach book and a sample income plan: DeckerRetirementPlanning.com Serving families in Salt Lake City, Seattle/Bellevue, the Bay Area, and virtually nationwide. Investing involves risk, including the potential loss of principal. Decker Retirement Planning, Inc. is a registered investment advisor. This show is for informational purposes only and is not tax or legal advice.

PREVIEW for Later Today: Sadanand Dhume discusses India's efforts to attract supply chains from China. While Apple has successfully diversified iPhone production there, India struggles to compete with more nimble nations like Vietnam in other various economic sectors.

Want to sell more life insurance policies as a new agent? In this episode, Cody Askins sits down with Andrew Rowen to break down powerful advice for new insurance agents looking to grow faster, close more sales, and make more money in the insurance industry.We're also joined by Dan Rose from Diversified as we talk about what actually works for new agents today. Want to connect with Andrew Rowen?Book a call here:https://calendly.com/arowen-thediv/30min?month=2026-05

We talk to Perry Freifeld, Regional Vice President at Diversified for an activation on the show floor they are calling "The Pitch." in the North Hall. Specifically, sports entertainment and how AV is elevating the fan experience. We look at how attendees will see these solutions in action and how they can be utilized for a unique AV outing.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What does it actually take to write 1,000 insurance apps in 12 months?

Ntobeko Nyawo – CFO, Redefine Properties SAfm Market Update - Podcasts and live stream

Keeping the same investment strategy in retirement that worked during your working years can quietly increase risk and costs. In this episode, Brandon Bowen breaks down what diversification really means as retirement approaches—and why owning multiple funds doesn’t always equal balance. He discusses common mistakes he sees, including overlapping investments, high fees, and income strategies that don’t align with long-term needs. Using a real-world second‑opinion scenario, the conversation highlights how portfolio structure, expenses, and income planning can impact retirees as they transition from growth to income. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Preview for Later: Guest: Lance Gatling Summary: Lance Gatling discusses Japan's response to the Hormuz crisis, highlighting its reliance on imported energy and the strategic petroleum reserve. He explores how Japan diversified energy sources after previous conflicts and nuclear accidents.1920 TOKYO

In paid partnership with Bybit Nordic - We are so happy to share our new podcast episode with Bybit Nordic.We are proud to partner with Bybit, one of the world's largest cryptocurrency exchanges and sponsor of Stockholm Open.We have been interested in cryptocurrencies since 2017 and one of our very first podcast episodes was actually about crypto and blockchain so this feels like a full circle moment.In this episode, we speak with Gustav Buder from Bybit Nordic to talk about what crypto actually is, how it has developed over time and how you can start thinking about it as part of your portfolio.Here are some of our takeaways: - Buying assets can feel risky, but over time not doing it at all can be riskier since inflation slowly reduces the value of money - Time in the market matters more than timing the market. Staying consistent matters more than waiting for the perfect moment - Emotions can lead to buying and selling too often, while thinking long-term is what usually builds results - A good comparison is real estate. Prices go up and down but people who have held long-term are often in a strong position today Gustav's advice for anyone curious about crypto is to choose an amount you can stay consistent with, buy regularly and stay consistent. Hope you'll enjoy this episode and we would love to hear your thoughts!*Buying crypto-assets is associated with risks. This content constitutes a marketing communication from Bybit EU GmbH. It does not constitute investment advice.

In this episode of The Responsive Lab, Carly and Scott sit down with Audrey Cooper, Associate Director of Philanthropy at Evidence Action. Audrey brings 10 years of nonprofit development experience across social services and international development, and has helped Evidence Action scale from its 2013 founding to raising over $60 million annually. You'll hear about:Why donor portfolio concentration becomes dangerous and what the moment of recognition usually looks likeHow to make strategic first moves when diversifying revenue streams without spreading your team too thinBuilding the case for unrestricted giving in ways that build trust rather than create donor hesitationEvidence Action's four-category framework for deploying unrestricted donor investmentsWhy data and story are mutually reinforcing rather than competing approaches to donor communicationThe power of "fundraising sprints" to focus on just a few priorities and follow them through completelyHow boldness in sharing impact creates collaborative donor relationships that feel more like partnershipsLinks from the episode:* Connect with Audrey on LinkedIn: https://www.linkedin.com/in/audreymcooper/* Learn more about Evidence Action: https://www.evidenceaction.org/Looking for technology that helps you build deeper donor relationships with less work from your team? Learn more at virtuous.org.

Roger Whitney breaks down how to create a diversified portfolio by explaining the core principles of diversification and asset allocation, then answers listener questions on topics like using allocation funds, shifting from the S&P 500 to total market funds, and strategies like buy, borrow, die. He emphasizes that while diversification reduces unnecessary risk, asset allocation is the most important decision—especially in retirement, where portfolios should be structured into three buckets: contingency, liquidity, and growth—to balance stability, income needs, and long-term growth.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(0:00) Building wealth for retirement and investment strategies.RETIREMENT TOOLKIT(01:27) Basics of asset allocation and diversification.(02:38) Explanation of unsystematic and systematic risks.(06:26) Risk management and modern portfolio theory.(09:08) Key components and decisions in portfolio construction.(13:12) Key takeaways and practical advice.(16:10) Importance of contingency, liquidity, and growth funds.LISTENER QUESTIONS(18:20) T-Bone asks a question about asset allocation funds (26:55) An audio question about portfolio diversification(33:44) Michael asks about the ‘buy, borrow, die' strategy (39:55) Listener shares a suggestion for what to do with a t-shirt collectionROCKING RETIREMENT IN THE WILD(40:55) Dennis shares that two years into retirement, he's happy without a defined “purpose,” pushing back on the idea that retirement needs one.(43:22) Tim and Tammy embrace a flexible “pre-tirement” lifestyle, teaching remotely while traveling, volunteering, and exploring all 63 U.S. national parks.SMART SPRINT(45:22) Review your asset allocation and clearly define your contingency, liquidity, and growth buckets.CONCLUSION(46:09) Roger ends with a heartfelt reflection on loss and gratitude, reminding listeners to cherish meaningful moments.REFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Step 7 in our 10-part series: open a Roth IRA at Vanguard, Fidelity, or Schwab and max out your contribution into a total stock market index fund. Spencer and Jamie break down why the LADS method (Low-cost, Automated, Diversified, Simple) beats stock picking and why Roth almost always wins for military pay. Topics covered: Why to open a Roth IRA at one of the big three: Vanguard, Fidelity, or Schwab Total stock market index fund options: VTI, SCHB, FZROX, VTSAX, VT Spencer's LADS method: Low-cost, Automated, Diversified, Simple How low fees compound — 3 cents per $100 vs. high-load funds from military-targeted advisors Buying the haystack instead of hunting for the needle (you already owned Nvidia a decade ago) Mutual funds vs. ETFs — why the difference doesn't matter for most investors Recreating a total US stock market in the TSP with 80% C Fund / 20% S Fund How the Roth IRA is a separate bucket from the Roth TSP — both have their own contribution limits Why Roth (pay taxes now) beats Traditional for most military families with low effective tax rates The narrow edge cases where Traditional might make sense (O-5+ doctors, some dual-military couples) Spencer's effective tax rate as a pilot and major was under 10% — often under 5% Resources mentioned: Vanguard, Fidelity, Schwab (Roth IRA providers) VTI — Vanguard Total Stock Market Index Fund SCHB — Schwab Total Stock Market Index Fund FZROX — Fidelity Total Stock Market Index Fund VTSAX — Vanguard Total Stock Market mutual fund tsp.gov (for current contribution limits) Bogleheads forum (for the mutual fund vs. ETF deep dive) 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 at militarymoneymanual.com/mentor. Over 22,000 military servicemembers and military spouses have graduated from the 100% free Ultimate Military Credit Cards Course, available at militarymoneymanual.com/umc3. In the 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 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. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain.

Pulkit Sharma, head of J.P. Morgan Asset Management's Alternatives Investment Strategy and Solutions (AISS) business, joined the REIT Report podcast to review the evolving landscape of real estate investing, emphasizing the benefits of diversified portfolios that combine public and private strategies. “When it comes to alternatives today, we believe more is better in client portfolios, broader is better, as well as active is better,” Sharma said. Real estate, and REITs in particular, play an important part of that alternative investment landscape, he added.Sharma noted that the increased availability of data today has resulted in a more science, less art-based approach to designing outcome-oriented portfolios that target various client priorities such as income orientation, growth orientation, or a combination of both.  A research piece, coauthored with GIC Singapore, shares insights into a framework for building multi-alternatives portfolios, integrating strategic sizing of positions with active marginal capital allocation  to improve portfolio outcomes.

In this engaging interview, Senate Eskridge shares his journey from Idaho to becoming an expert in multifamily real estate and private equity investments. Discover his insights on diversification, servant leadership, and building meaningful relationships in the investment world.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Given the current uncertain environment, the co-chief investment officer of Evoke Advisors advises investors to maintain a long-term horizon and reduce asset correlation. Host: Greg Bartalos. Learn more about your ad choices. Visit megaphone.fm/adchoices

Managing your own investments can feel empowering — and for many people, it genuinely works well. But for those thinking about retirement or already living in it, DIY investing carries hidden risks that don’t always show up on your monthly statement. In a special Evergreen edition of The Tom Dupree Show, host Tom Dupree and portfolio manager Mike Johnson break down what the FINRA Investor Education Foundation and decades of real-world experience confirm: the biggest costs of doing it yourself are rarely the ones you can see. Whether you’ve been successfully picking your own stocks for years or you’re simply rolling over old 401(k)s and hoping for the best, this conversation is worth your time — especially if no one has ever looked at the full picture of your retirement income strategy. What the Data Says About DIY Investor Returns Tom Dupree opened the episode with a statistic that catches most self-directed investors off guard. Research from DALBAR’s Quantitative Analysis of Investor Behavior shows that the average DIY investor significantly underperforms the S&P 500 over a 20-year period — not because of bad stock picks, but because of behavior. “People aren’t gonna get it right all the time,” Tom said. “And when you’re doing all your own thinking, there may be times when you have to bounce it off of somebody else — and you may or may not have that person to do it with.” The culprit isn’t ignorance. It’s the “committee of one” problem — making every buy, sell, and hold decision alone, without an outside perspective to catch emotional blind spots or structural weaknesses in the portfolio. The Real Price of One Bad Decision To make the math concrete, Tom walked through a straightforward example. If a retiree sold $300,000 at a market bottom and sat in cash for just 60 days, missing approximately 15% in recovery, that’s $45,000 in lost growth — not from a market crash, but from one reactive decision made at the worst possible moment. The SEC’s Office of Investor Education has long cautioned against market timing for this exact reason. As Tom put it, “Fear or hope — neither one is a strategy.” Miss the five largest single-day market gains in any given decade, and your annualized return drops from roughly 10% toward the 6–7% range. Miss the 20 largest moves, and your returns are barely better than bonds. That’s the cost of being reactive in a market that rewards patience and discipline. The Concentration Trap: Why “Diversified” Portfolios Aren’t Always Diversified Mike Johnson pointed to one of the most common patterns he sees when new clients come in from the DIY world: heavy concentration in a small number of stocks — often in a single sector. “A lot of them have been concentrated in tech,” Mike said. “And that served them well, for the most part. But they’re heavily concentrated — not just in number of names, more specifically heavily concentrated in a particular sector. And when things turn in that sector, it’s painful.” This matters more than most people realize. Even investors who believe they’re diversified by owning an S&P 500 index fund may be surprised to learn that the index is market-cap weighted — meaning the largest (and often most expensive) companies make up a disproportionate share of every dollar invested. Tom made a point worth sitting with: a single well-managed conglomerate like Berkshire Hathaway may actually offer more true diversification than an S&P 500 index fund, simply because of what it owns across unrelated industries. The question isn’t how many stocks you hold. It’s how those holdings interact with each other — and whether your exposure is calibrated to your actual retirement income needs, not just the structure of an index. Learn more about how Dupree Financial Group approaches this differently on our Investment Philosophy page. What “Monitoring” Really Means — and What Most DIY Investors Miss There’s a big difference between watching your account balance go up and down and actually monitoring a portfolio. Mike broke this down clearly. “In their mind, monitoring is looking at the market value on a monthly basis,” he said. “Real portfolio monitoring is trying not to be reactive — but proactive.” Proactive monitoring means tracking individual holdings, understanding why you own what you own, making calls to investor relations departments, and asking forward-looking questions about how a company will respond to interest rate changes, sector shifts, or earnings surprises. It means asking not just “what happened?” but “what might happen — and are we positioned for it?” That level of ongoing research is what separates passive account-watching from actual portfolio management. It’s also what the team at Dupree Financial Group does every day on behalf of clients — including regular investor relations calls that the average individual investor simply doesn’t have the time, access, or framework to conduct. You can follow their ongoing market insights in the Market Commentary archive. The Spouse Problem Nobody Talks About One of the most powerful — and most overlooked — conversations in this episode centers on what happens to a portfolio when the person managing it is no longer around. Tom shared a real example from his career: a widow living in genuinely difficult financial circumstances, not because she lacked assets, but because her late husband had left her strict instructions never to sell their stock holdings — two positions that weren’t generating nearly enough income for her to live on. She had $300,000 in principle and was struggling to get by on dividend income that wasn’t meeting her basic needs. “I thought it was kind of sad,” Tom said. “She had $300,000 in principle and was almost eating dog food. And it was because those stocks did not throw off enough income.” It’s a story that repeats itself in different forms. The DIY investor — typically the husband — manages the portfolio with skill and care, but the spouse has little to no familiarity with what they own or why. When something happens, the surviving spouse inherits not just grief, but financial complexity they weren’t prepared for. The solution Mike and Tom described isn’t complicated: bring your spouse to the meetings. Let them hear the explanations. Let them ask questions. Build the relationship with an advisor while both of you are still healthy and engaged, so that if and when the transition comes, it’s one less source of pain. “The spouse being educated on what’s going on with their money makes that transition less painful,” Mike said. “It’s one less thing they have to worry about.” The U.S. Department of Labor’s retirement planning resources emphasize shared financial literacy for exactly this reason. Key Takeaways from This Episode The committee of one is a structural risk. Without a second perspective, emotional decisions — selling at the bottom, holding too long, missing a shift — are much harder to avoid. Concentration is the hidden risk in most DIY portfolios. Being heavily weighted in one sector, no matter how well it has performed, leaves a retirement portfolio exposed when that sector turns. Real monitoring is proactive, not reactive. Watching a balance go up or down is not portfolio management. Proactive management means understanding each holding and making decisions before the market forces your hand. Fees exist whether you see them or not. Mutual fund expense ratios, ETF fees, and most importantly — the cost of avoidable mistakes — are real costs even when they don’t appear as line items. The surviving spouse deserves a plan. A DIY portfolio has no continuity plan built in. A trusted advisor relationship creates one. A portfolio review costs you nothing but your time. Dupree Financial Group is fee-based with no commissions, which means an honest, impartial look at what you have — with no pressure and no sales pitch. Frequently Asked Questions What are the hidden costs of DIY investing in retirement? The most significant hidden costs of DIY investing in retirement include emotional decision-making at market extremes, portfolio concentration in a single sector, missed recovery gains from reactive selling, and the absence of a continuity plan for a surviving spouse. Research from DALBAR shows that average DIY investors underperform the S&P 500 over 20-year periods, largely due to behavior rather than stock selection. When should a DIY investor consider working with a financial advisor? The right time to consider working with a financial advisor is when the stakes are higher — when your portfolio is larger, your timeline to retirement is shorter, and bad decisions have less time to recover. Other key triggers include approaching retirement, the death or illness of a spouse who handles finances, significant market volatility, or a portfolio that has grown heavily concentrated in one area. What is portfolio concentration risk and why does it matter for retirees? Portfolio concentration risk occurs when a significant portion of your investments is held in one stock, sector, or asset type. For retirees, this is especially dangerous because there is less time to recover from a downturn. A tech-heavy portfolio that performed well during a bull market can suffer severe losses when that sector rotates — and unlike younger investors, retirees may not be able to wait for a recovery. Is a fee-based financial advisor different from a commission-based broker? Yes — significantly. A fee-based, fiduciary advisor like Dupree Financial Group charges a management fee and earns no commissions from products sold. This eliminates the conflict of interest that exists when an advisor profits from recommending certain funds or products. The SEC’s guide to investment advisers explains the fiduciary standard and how it differs from the suitability standard applied to brokers. Can a financial advisor help manage my 401(k)? Yes. Dupree Financial Group can help clients evaluate and manage 401(k) accounts, not just personal brokerage or IRA accounts. If you have retirement accounts from multiple employers or are evaluating rollover options, a Personalized Portfolio Analysis can help clarify what you have, what it’s costing you, and whether it’s structured to generate the income you’ll need. Ready to See What Might Be Missing? If you’ve been managing your own portfolio and it’s working, that’s worth acknowledging. But if no one has ever looked at the complete picture — the structure, the income potential, the concentration risk, the plan for your spouse — you owe it to yourself to find out what you might be missing. A complimentary portfolio review at Dupree Financial Group costs you nothing but your time. There are no products to sell, no commissions, and no pressure. Just 47 years of investment management experience applied honestly to your situation. Call us at (859) 233-0400 or schedule your complimentary consultation online — and start knowing exactly what your money is doing and why. Listen to more episodes and access the full Market Commentary archive at dupreefinancial.com/podcast. Disclosure: Dupree Financial Group is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. The information contained in this blog post is for informational purposes only and should not be construed as personalized investment advice. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. All examples and statistics referenced are for illustrative purposes only and do not represent actual client results. Please consult with a qualified financial professional before making any investment decisions. To learn more about Dupree Financial Group’s services, fee structure, and investment approach, visit dupreefinancial.com/about-us or contact our office directly. The post The Hidden Cost of DIY Investing: What You Don’t Know You’re Losing appeared first on Dupree Financial.

In this episode, Krisztian Varsa from the Conservation Fund and Marc Bernard of Rustic Road Farm talk about how having many different enterprises in a farm business can minimize waste and spoilage.   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.

We discuss how decentralised finance is evolving from a crypto-native experiment into an infrastructure layer for institutional finance—and why the convergence between DeFi and traditional finance is accelerating. - Why investors see DeFi as an uncorrelated portfolio strategy - The massive liquidity opportunity created by thousands of new DeFi protocols - Why liquidity providers are becoming the "banks" of the DeFi ecosystem - The biggest challenge for new protocols: distribution and market access - How institutions evaluate DeFi risk similarly to credit risk in traditional finance - Why tokenized funds, real-world assets, and blockchain settlement are accelerating institutional adoption - How traditional asset managers and banks are entering DeFi - Why the future may involve two parallel systems: regulated blockchain finance and open DeFi innovation Powered by Phoenix Group

VettaFi's Head of Research Todd Rosenbluth discussed the American Century Quality Diversified International ETF (QINT) on this week's “ETF of the Week” podcast with Chuck Jaffe of “Money Life.” 

Pastor Micah Klutinoty preaches from 1 Corinthians 12:12-31. Because spiritual gifts are Spirit-given expressions of grace, every believer has a meaningful role in strengthening the body of Christ. In the church, no member is unnecessary and no member is superior, each person is intentionally placed by God and called to actively contribute to the unity, health, and mission of the church. Rather than living independently, believers are arranged together so that through their diverse gifts the whole body is built up.

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.

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

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

Questions? Comments?0:04 Dow hits 50,000 while most stocks lag—why it's a meaningless headline0:59 Robinhood and Palantir slide—speculators start getting nervous1:39 Jason Zweig on low-volatility funds—and why timing them is a trap1:55 Why the Dow is a terrible “index” built on 1890s math3:22 Diversified portfolios quietly up nearly 6% YTD in early 20263:32 Small-cap value up 13%—the payoff of long-term discipline4:05 “We didn't predict this”—why diversification beats market bragging4:54 Portfolios should already be built for downturns5:10 The danger of reacting after markets “stumble”7:09 Average vs. median net worth—why averages mislead8:26 How billionaires distort financial statistics9:09 “Lies, damned lies, and statistics” origins10:06 AI-enhanced listener call audio and Friday Q&A podcast10:37 DFFVX vs. AVUV—Dimensional vs. Avantis small-cap value13:33 Why track records don't matter for similar funds13:53 Super Bowl sirloin cooking advice15:17 Whole life insurance review—why to cash out in retirement17:08 When cash-value insurance makes sense (rarely)19:22 Surprise downloads of Christmas stories in February20:57 Caller asks about “set-it-and-forget-it” investing24:26 Risk tolerance when retiring soon26:08 Using AVGE for global diversification27:48 Why near-retirees should get professional reviews30:28 Emergency funds—never use a Roth31:37 High-yield savings accounts around 4%+34:11 Portfolio balance and realistic expectationsLearn more about your ad choices. Visit megaphone.fm/adchoices

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?

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 >>

 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/

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.