Podcasts about dividends

Twenty-seven years after returning to democratic rule, many Nigerians say the promise of a better life remains unfulfilled as rising food prices, transport costs, rent, and other living expenses continue to outpace incomes. Despite periods of economic growth and democratic stability, millions of citizens say they are yet to feel the benefits in their daily lives. According to the World Bank, more than 60 percent of Nigerians were estimated to be living below the national poverty line in 2025, with an additional seven million people falling into poverty that year alone despite economic reforms and moderating inflation.Join us on Nigeria Daily as we examine why economic growth has not translated into better living standards for many Nigerians and what can be done to reverse the trend.

The topics, stocks and shares mentions / discussed include:Ai Investing Opportunities For Non-Tech InvestorsMAREX via Winterflood Retail Access Platform (WRAP) provides access to Space X IPOAi essential infrastructureAi BottlenecksEnergy / DatacentersSpace X / SPCXConstellation Energy Group / CEGSiemens Energy / ENRNextEra Energy / NEE + Dominion Energy / DCentrica / CNANational Grid / NG.Sage / SGEComputacenter / CCCRaspberry PI / RPI ChatGPTNvidia / Anthropic / OpenAi / Gemini / Claude AiArtificial Intelligence / AiSoftware as a Service / SaaSDividendsDividend yieldsCash / Debt / GrowthStocks / Investing Winning supporters of the Twin Petes Investing podcastFinancial EducationInvestor Summit Early Bird Tickets  are on sale nowThe Twin Petes Investing 2026 Charity Just Giving Fundraising page in honour of Mark Bentley. PLEASE donate whatever you can to support The Financial Times, Financial Literacy & Inclusion Campaign via the link TWINPETES INVESTING PODCAST / PETER HIGGINS is fundraising for FT FINANCIAL LITERACY AND INCLUSION CAMPAIGN& moreShareScope special discount offer code ShareScope : TwinPetesInvestors' Chronicle sponsor Special Trial Offers (investorschronicle.co.uk)Henry Viola-Heir's blog Home – The Ethical EntrepreneurPowder Monkey Brewing Co All Products – Powder Monkey Brewing Co 10% discount code : TWINPETESThe Twin Petes Investing podcasts will be linked to and written about on the Conkers3 website , on the ShareScope website and also on available via your favourite podcast and social media platforms. Thank you for reading this article and listening to this podcast, we hope you enjoyed it. Please share this article with others that you know will find it of interest.

Most investors lose to the market because they're trying to pick winners in a game where only 4% of stocks have created 100% of market wealth over the past century. The math isn't in your favor—but there's a simpler path that is. Key Topics Discussed Introduction to FI 201 (00:00:00) Jonathan introduces the concept of Financial Independence 201, explaining how it builds on FI 101 to help individuals progress from control to optimization and independence on their FI journey. The Genesis of FI 201 (00:05:30) Allen and Kristen explain how they identified the need for a 201-level presentation based on questions emerging from their St. Louis FI 101 sessions, particularly around investing concepts. Asset Allocation Fundamentals (00:15:00) Allen breaks down asset allocation as 'your money pie,' discussing how to balance growth, safety, and emergency funds while considering time horizons and diversification strategies. Risk Tolerance vs Risk Capacity (00:22:00) The team explores the critical difference between emotional risk tolerance and actual risk capacity, using examples from 2008 and 2020 market crashes to illustrate real-world application. Tax-Advantaged Account Strategies (00:35:00) Allen and Brad discuss the various tax treatments of investment accounts including 401(k)s, 457(b)s, Roth IRAs, HSAs, and taxable brokerage accounts, emphasizing lifetime tax optimization. Individual Stocks vs Index Funds (00:48:00) The hosts examine the data on individual stock picking, revealing that only 4% of stocks have contributed to 100% of market wealth over the past century, making a strong case for index investing. Dividends and Tax Control (00:55:00) Brad and Allen discuss why the FI community often prefers capital gains over dividend income, focusing on the importance of maintaining control over when and how you realize taxable events. Notable Quotes "You can't save your way to FI, you have to invest." — Allen Hansen "When there's a dip, you essentially get to buy the market on sale. If you love a bargain, this is it." — Brad Barrett "Why in the world do we not think that way when it comes to the market? Our brain completely flips. We're like, ah, we're scared." — Kristen Knapp "It's not what's my tax this year. It is what is going to be my tax burden over my lifetime." — Brad Barrett "The best investing lesson: stand there and do nothing. If you're invested, just don't do anything and you're going to be rewarded." — Allen Hansen Key Takeaways Assess your own risk tolerance and risk capacity honestly by considering how you would react to a 30% portfolio drop Review your current asset allocation across all accounts and determine if it aligns with your time horizon and financial goals Calculate the difference between your marginal and effective tax rates to understand your true tax burden Identify which tax-advantaged accounts you have access to (401k, 457b, 403b, HSA, IRA) and ensure you're maximizing employer matches Track every dollar of taxable income if you're on ACA subsidies or approaching any subsidy cliffs to avoid losing benefits Consider whether you have the right balance between taxable, tax-deferred, and tax-free accounts for maximum flexibility in retirement Join or start a local FI group to benefit from community wisdom and learn from others at different stages of the journey Review your portfolio for dividend-heavy investments and consider whether you'd prefer more control over when you realize taxable events Resources & Links FI Friends Travel The Simple Path to Wealth by J.L. Collins Tax Planning to and Through Early Retirement by Sean Mullaney and Cody Garrett ChooseFI Community App St. Louis FI Group BlackBerry Documentary (Netflix) Arizona State University Stock Market Wealth Study Brian Feroldi (individual stock investing advocate) Investopedia

If a whole life illustration shows a year-30 internal rate of return near 5 percent, you might wonder what happens if the dividend scale falls. Lowering the dividend assumption by 50 basis points is easy to model. The harder question is whether that reduction is actually likely, and what would have to happen in the wider economy to cause it. This is the difference between a sensitivity test and a forecast. A sensitivity test tells you how one unit of movement affects your projected return. It says nothing about whether the change is likely, what would drive it, or how long it would last. Timing matters as much as the size of any reduction. A dividend cut early in a policy, when cash value is still small, has far less impact than the same cut decades later, when it compounds on a much larger balance. The same average reduction can produce very different outcomes depending on when it arrives. Dividend changes also never happen in isolation. The same conditions that pressure a whole life dividend tend to pressure bonds, bond funds, and CDs at the same time. Comparing a stressed policy against unstressed alternatives is not a fair comparison. Whole life is not simply a bond in disguise. Its values draw on the insurer's general account, mortality experience, expense results, and overall company profitability. That mix of drivers can smooth your experience relative to managing fixed income on your own. The honest takeaway is that whole life does not eliminate negative surprise. It limits how severe and how sudden that surprise can be. The guarantees create a floor, but the non-guaranteed elements still respond to real-world conditions. ____________________________________________ If you want help thinking through how dividend assumptions affect a policy you own or are considering, send us a message or schedule a call, and we can walk through it together.

There's a story about of our past that you know well. It goes like this: At some point earlier in human evolution, we started to hunt. Men in particular—perhaps channeling some deep-seated aggressive impulses—began to seek out big game. This new food source, this bonanza of calories, was what allowed our brains to expand. It changed our bodies and our societies and sent our species off on a whole new track. In short, Man the Hunter made us human. This story—told in different versions, with different points of emphasis—has circulated for decades. It's been debunked and revived, rejected and reimagined. What is the history behind the Man the Hunter idea? How does it square with our current understandings of evolution? Is it, in fact, pure fiction? My guest today is Dr. Vivek Venkataraman. Vivek is an evolutionary anthropologist at the University of Calgary, and an editor-in-chief of the journal Hunter Gatherer Research. He and his collaborators recently published an article on the different layers and meanings of the Man the Hunter idea. Here, Vivek and I lay out those meanings. We talk about how the phrase refers, first, to that popular myth about our evolution, but also to a landmark scientific conference in the 1960s, and to a major finding of research on contemporary hunter-gatherer groups—namely, that men generally do do most of the hunting. We do a little crash-course on the field of hunter-gatherer research, including the kinds of questions it asks and frameworks it uses. We dig into some of the key ingredients of the Man the Hunter myth: the idea that we have aggressive tendencies, the idea that only men hunt, and the idea that hunting played a transformative role in our evolution. We walk through three recent, high-profile studies challenging Man the Hunter ideas in various ways. And we talk about the ever-present danger of projecting our current norms and ideals back in time. Along the way, Vivek and I touch on 2001: A Space Odyssey; reasons why contemporary hunter-gatherers may differ from the hunter-gatherers of long ago; giant sloths; extractive foraging; the case of the Agta, a society in which women do engage in big-game hunting; the forest people and the fierce people; risk and cooperation in sexual divisions of labor; persistence hunting and endurance activities; caregiving and cognition; and honey. Alright friends, I think you'll enjoy this one. On to my conversation with Dr. Vivek Venkataraman.   Notes 3:30 – The article by Dr. Venkataraman and colleagues, 'The Meaning and Dividends of Man the Hunter.' Commentaries on the article can be read here. A recent popular essay by Dr. Venkataraman on the same ideas. 5:00 – Raymond Dart's "killer ape" was originally laid out in a 1953 article 'The Predatory Transition from Ape to Man' (unavailable online) and then developed in Robert Ardrey's book, African Genesis.  8:30 – The "dawn of man" scene from 2001: A Space Odyssey. 16:00 – The 1966 conference titled 'Man the Hunter' resulted in a 1968 volume of the same name. 27:00 – A philosophical discussion of the use of the "ethnographic analogy" in reconstructions of the past. The paper describing the "tyranny of the ethnographic record." 33:00 – The classic ethnography, The Forest People; the classic ethnography, Yanomamö: The Fierce People. 36:00 – The article by Chris Boehm on the concept of "reverse dominance hierarchy." See also his book Hierarchy in the Forest. 37:00 – Our earlier episode with Brian Hare.  38:00 – Steven Pinker's widely read and contested book, The Better Angels of our Nature.  44:00 – A study of the Agta, a society in which women hunt for big game.  48:00 – The paper by Judith Brown about childcare and subsistence. A paper by Haneul Jang and colleagues about how young girls help mothers during foraging.  55:00 – For a book-length treatment of hunting in evolution and history, see Matt Cartmill's A View to a Death in the Morning. 1:01:00 – For the 2023 paper by Anderson and colleagues on the prevalence of women's hunting across cultures, see here. For Dr. Venkataraman and colleagues' commentary on the paper, see here. For the related study by Dr. Venkataraman and colleagues about women's hunting, see here. 1:05:00 – For the 2020 paper by Haas and colleagues about female hunters of the Americas, see here. 1:13:00 – For the academic 'Woman the Hunter' papers by Lacy and Ocobock, see here (for the physiology paper) and here (for the archaeology paper). For their article in Scientific American, see here. For an interview on the podcast On Humans with Cara Ocobock, see here. 1:14:00 – For the recent study on persistence hunting in the ethnographic record, see here. 1:20:00 – The authors of the three critiques discussed here have all written commentaries on Dr. Venkataraman and colleagues' paper. These commentaries and others can be read here.  1:24:30 – For the commentary emphasizing the links between popularization and science, by Nadine Weidman, see here. 1:28:00 – For our earlier episode with Alison Gopnik, in which we discuss the overlooked cognitive capacities involved in caregiving, see here. 1:29:00 – For papers on the importance of honey in human evolution, see here and here. For one of Dr. Venkataraman's own honey-related studies, see here.   Recommendations Creatures of Cain, by Erika Lorraine Milam The Killer Instinct, by Nadine Weidman   Many Minds is a project of the Diverse Intelligences Summer Institute, which is made possible by a generous grant from the John Templeton Foundation to Indiana University. The show is hosted and produced by Kensy Cooperrider, with help from Assistant Producer Urte Laukaityte and with creative support from DISI Directors Erica Cartmill and Jacob Foster. Our artwork is by Ben Oldroyd. Subscribe to Many Minds on Apple, Stitcher, Spotify, Pocket Casts, Google Play, or wherever you listen to podcasts. You can also now subscribe to the Many Minds newsletter here! We welcome your comments, questions, and suggestions. Feel free to email us at: manymindspodcast@gmail.com. For updates about the show, visit our website or follow us on Bluesky (@manymindspod.bsky.social).

CNBC doesn't want you thinking about cash flow. Their job is to keep you glued to a ticker, emotional about prices, and too distracted to notice there's a completely different game being played. Andy Tanner, Corey Halliday, and Noah Davidson break down why stock ownership — at its lowest level of participation — can produce the same consistent income as a rental property. Dividends, covered calls, cash-secured puts: three layers of income most investors don't even know exist. You'll hear why buying a stock on sale has nothing to do with hoping it goes higher, why falling prices can actually accelerate your returns, and why a 1% dividend yield isn't the end of the story — it's just the beginning. The only thing standing between you and a monthly cash flow from stocks is the knowledge nobody bothered to teach you. Want to Learn More? – Explore free education and tools at cashflowbonus.com to strengthen your investing foundation

Ahead in Dividends and Capital Growth | WMX One Year Update by Wilson Asset Management

Rui Morais – CEO, Dischem SAfm Market Update - Podcasts and live stream

In this episode, I'll respond to an article that was just published in the Wall Street Journal about the death of dividends. Join the world's largest free Dividend Discord ➜ https://discord.gg/kkSr5FY Join my channel membership as a GenEx Partner to access new perks: https://www.youtube.com/channel/UCuOS-UH_s4KGhArN6HdRB0Q/join Seeking Alpha Affiliate Referral Link ➜ https://link.seekingalpha.com/2352ZCK/4G6SHH/ Click my FAST Graphs Link (Use coupon code AFFILIATE25 to get 25% off your 1st payment) ➜ https://fastgraphs.com/?ref=GenExDividendInvestor Please use my Amazon Affiliates Link ➜ https://amzn.to/2YLxsiW Thanks! As an Amazon Associate I earn from qualifying purchases. Support me & get Patreon perks ➜ https://www.patreon.com/join/genexdividendinvestor Use my Financial Modeling Prep affiliate link for awesome stock API data (up to a 25% discount) ➡️ https://site.financialmodelingprep.com/pricing-plans?couponCode=genex25

Small vineyard decisions made early in the season can create major ripple effects later in the year, and in this episode, Fritz breaks down three vineyard management tasks that are frequently skipped, delayed, or underestimated despite their outsized impact on vine health, fruit quality, and long-term vineyard performance. Fritz focuses first on shoot thinning and explains why timing is everything. He walks through the economic and practical advantages of thinning early, including improved spray penetration, better airflow, easier hand harvesting, and even reduced pruning labor during dormancy.  He then explains why bloom and veraison sampling windows are critical for understanding nutrient status and preventing deficiencies before they become costly problems. Lastly, he tackles water stress monitoring and the common misconceptions surrounding vineyard stress.  Listen in for practical ways growers can monitor irrigation effectiveness, evaluate soil moisture, and avoid relying solely on visual assumptions about vine stress levels. Remember, better data leads to better vineyard decisions. In this episode, you will hear: Early shoot thinning can improve fruit quality, airflow, spray coverage, and long-term pruning efficiency Delayed shoot thinning increases labor costs and creates more winter pruning wounds susceptible to trunk disease Tissue sampling at bloom and veraison helps growers identify nutrient deficiencies before productivity suffers Leaf blade sampling may provide more reliable nutrient data than petiole sampling for many nutrients Water stress should be monitored with both field observation and measurable soil moisture data Excess vigor, nutrient imbalance, weather extremes, fungal disease, and insects can all contribute to flower browning during bloom Follow and Review: If you enjoyed this episode, be sure to follow the podcast and leave a 5-star review on Apple Podcasts! Your support helps us reach more listeners.

High Yield Landlord's Jussi Askola joins us to discuss mispriced opportunities in the REIT space (0:30) Look beyond dividends, think of REITs as total return investments (3:20) Self storage and healthcare - 2 attractive REITs (5:00) Tenants a major factor (9:25) Cannabis rescheduling good for NLCP and IIPR (10:30) REITs becoming more independent from interest rates (17:30) AI immunity trade (19:10)Episode transcriptsFor full access to analyst ratings, stock quant scores and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

Which tech giant will kick off the next IPO boom? And why weren't investors impressed by Nvidia's blowout quarter? Plus, how is the AI frenzy changing the way investors get paid? Host Imani Moise discusses the biggest stock moves of the week and the news that drove them.Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Which tech giant will kick off the next IPO boom? And why weren't investors impressed by Nvidia's blowout quarter? Plus, how is the AI frenzy changing the way investors get paid? Host Imani Moise discusses the biggest stock moves of the week and the news that drove them.Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

European dividend markets have long offered a different approach to income, yield, and shareholder returns compared to the U.S. But how do these markets behave when volatility spikes and global uncertainty hits? On this episode of The European Market Brief, Mark Longo is joined by Dr. Russell Rhoads, Stuart Heath (Eurex), and Kevin Soyer (S&P Global) for an in-depth look at European dividend markets during periods of market stress. The panel explores how European companies manage dividends differently from their U.S. counterparts, why dividend yields tend to be higher across the pond, and how dividend futures and options can provide unique insight into market expectations and future cash flows. The discussion also dives into: How European dividend policies differ from U.S. buyback-heavy strategies Dividend resilience during market turmoil and geopolitical shocks High-yield sectors in Europe including banks, utilities, insurers, and energy Dividend futures and options use cases for hedging and speculation Midcurve dividend options and evolving liquidity trends Relative value opportunities between U.S. and European markets The impact of inflation, rates, and market stress on dividend expectations Key takeaways from the recent Eurex conference including European 0DTE growth and volatility trends Plus, listener questions and Russell's recap of the latest developments shaping European derivatives markets. Brought to you by Eurex. Learn more at Eurex.com.

Will Barton from High Dividend Opportunities talks long-term income investing (0:30) Liking commodities and Dorchester Minerals (4:15) Interest rates and municipal bonds (7:00) REITs and real estate (19:50) High yield preferreds (26:05)Show Notes:Will Barton Talks High Dividend OpportunitiesEpisode transcriptsFor full access to analyst ratings, stock quant scores and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

Book a 1|1 Bitcoin Consulting call with mehttps://pathtobitcoin.xyz/Join my Bitcoin Learning Community & and access Free Courseshttps://www.skool.com/the-bitcoin-masters-4115/Where I buy Bitcoin (Free BTC & Non-KYC options)https://bitcoinwell.com/referral/bitcoinnotcrypto15% Stampseed Titanium Seed plates (BEST WAY TO STORE BTC PRIVATE KEYS)https://www.stampseed.com/USE CODE : BTCNOTCRYPTO15Get a Coldcard Hardware wallet herehttps://store.coinkite.com/promo/169FA71FECC4928F725D5% off Start9 servers for plug & play Bitcoin NodesCODE: BNC5https://store.start9.com/Umbrel home for a Bitcoin node and home serverhttps://a.umbrel.com/hodl/umbrel-homeAffordable Privacy Phones & deviceshttps://www.mark37.com/ref/BNC/5% off using code : BNCBuy a Bitforge or Bitaxe here!https://dtvelectronics.com/store/?aff=22Use code hodl for 10% offFree Open Source Bitcoin and Investment tracking toolshttps://plebtools.com/Become a Member of the Channel, Get exclusive content, and livestream playbackhttps://www.youtube.com/channel/UC2aM2gVVEHTu0pfE1ZyA0BQ/joinFollow Rajat, Jor, and I's new show togetherhttps://www.youtube.com/@MapleBitcoinJoin our Communityhttps://www.skool.com/maplebitcoinListen to this as a podcasthttps://podcasters.spotify.com/pod/show/bitcoinnotcryptoFollow me on Nostrnpub1zqm9zant0rxf49wfgw8pt5h0j50cetfes6hwa73u7sxstlzcsz8qh6x9fsFollow on Twitter/Xhttps://x.com/forrestHODLDonate to the show herehttps://coinos.io/BNCVFVSome of the above links may be Affiliate links that support this show at no extra cost to you. None of the links are Sponsored links. This allows me to only promote products and services I personally use and believe in.

It's one of the most overlooked settings in your investment account and most people set it once and never think about it again. Quint and Logan dig into the reinvest-or-not question, who should be doing what, and why the answer might be different for different life stages. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

As this is written, the US and Iran are at WAR.When peace is made, DIVIDENDS are enjoyed.  For my silly example, the stock market goes up.He had made PEACE WITH ME. The least I can do is act like it.There should be a PEACE DIVIDEND that is seen and demonstrable.Spend 6 minutes with me to see if your life demonstrate a PEACE DIVIDEND.Subscribe and Like and share.  Perhaps that can be such a dividend.https://youtu.be/WJ1iaEAkWXk

In this week's episode of the Coin Stories News Block powered exclusively by Ledn, we cover these major headlines related to Bitcoin, macroeconomics, and global finance: Strategy wipes $1.5 billion in debt off its books, moves to pay semi-monthly dividends for STRC Strive becomes the first stock in U.S. history to pay daily dividends New Fed Chair calls Bitcoin "the new gold" for anyone under 40 Senator Lummis makes the most powerful case for Bitcoin ever heard in the Senate ---- The News Block is powered exclusively by Ledn – the global leader in Bitcoin-backed loans, issuing over $10 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. My followers get .25% off their first loan. Learn more at www.ledn.io/natalie  ---- Order my simple guide to Bitcoin and broken money, "Bitcoin is For Everyone": https://amzn.to/3WzFzfU  ---- Read every story in the News Block with visuals and charts! Join our mailing list and subscribe to our free Bitcoin newsletter: https://thenewsblock.substack.com  ---- References mentioned in the episode: Strategy to Repurchase $1.5 Billion of Convertible Bonds Using Cash or BTC Sales Strategy to Retire $1.5 Billion in Convertible Notes, May Sell Bitcoin to Fund Buyback S&P Global: Strategy Inc Assigned 'B-' Issuer Credit Rating; Outlook Stable Strive's SATA to Become First U.S.-Listed Security to Pay Daily Cash Dividends Strive Shares Jump on 'Daily Dividend Company' Strategy as Firm Goes Debt-Free Treasury Yields Hit a 12-Month High; Bitcoin Still Stuck Below Its 200-Day Average Bond Traders See Tipping Point Toward a New Era of Higher Yields Treasuries Lead Global Bond Yields Higher on Inflation Angst G-7 to Discuss Bond Selloff Sending Yields to Multi-Decade Highs Mounting Inflation Pressures Deepen Global Bond Slide Senate Confirms Bitcoin-Friendly Warsh as Federal Reserve Chair Senate Confirms Warsh to Lead Fed as Trump Tests Its Autonomy Kevin Warsh Wins Senate Confirmation as the Next Fed Chair Kevin Warsh Comes Into the Fed Facing a Big Family Fight Over Cutting Interest Rates Senate Confirms Trump's Federal Reserve Chair Pick Kevin Warsh "If You're Under 40, Bitcoin Is Your New Gold" — Kevin Warsh Everything Kevin Warsh Thinks About Bitcoin River: "The Most Pro-Bitcoin Fed in History" Senate Banking Committee Advances Landmark Crypto Market Structure Bill CLARITY Act Clears U.S. Senate Committee on Its Way to a Final Test in Congress Crypto Industry Cheers CLARITY Act Progress as Ethics Questions Linger ----  

In today's Banking With Life Q&A, James answers questions about adverse selection in life insurance, whether life insurance companies hold gold and silver, the differences between direct and non-direct recognition, and using policy loans to fund additional policies. He also discusses Nelson Nash's grocery store example and the importance of velocity within the Infinite Banking Concept®. As always, we hope you enjoy and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Mike Clarfeld Talks Dividends and Hard Assets on WealthTrack by ClearBridge Investments

President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa discuss IRA distribution and timing strategies, and how thoughtful planning around withdrawals and contributions can improve long-term tax outcomes. With tax brackets, retirement rules, and distribution requirements constantly evolving, understanding when and how to take distributions has become increasingly important for investors and retirees alike.Paul and Jordan explain how strategic timing decisions can help investors better manage taxable income, maintain bracket control, and reduce lifetime tax liability. The conversation covers Roth conversions, pre-age-59½ withdrawal rules, Net Unrealized Appreciation strategies for concentrated stock positions, and the importance of selecting the right retirement account structure for business owners and entrepreneurs.This episode provides practical insight into how coordinated retirement planning can create greater flexibility, tax efficiency, and long-term financial confidence.In this episode: ● Why timing IRA and Roth IRA distributions matters ● How bracket control can reduce lifetime taxes ● Roth conversion strategies and tax planning opportunities ● Rule 72(t) and Rule of 55 withdrawal considerations ● Net Unrealized Appreciation strategies for employer stock ● Differences between retirement account types and plan structures ● Why reviewing retirement plans and distribution rules is essentialThe opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

Interview with Mike Hodgson, CEO, Serabi Gold Our previous interview: https://www.cruxinvestor.com/posts/serabi-gold-lsesrb-the-playbook-for-growing-to-70000100000oz-while-returning-capital-9197Recording date: 11th May 2026Serabi Gold has entered a new phase of growth, transitioning from operational recovery to a financially strong, expansion-focused gold producer. In 2025, the company increased production to 44,000 ounces, up from 38,000 ounces in 2024, while maintaining an all-in sustaining cost of $1,816 per ounce. Supported by a strong gold price environment, this performance generated approximately $30 million in cash, ending the year with $50 million on hand. By the first quarter of 2026, Serabi had eliminated nearly $20 million in debt and grown its cash position to $65 million.Looking ahead, the company expects to produce 53,000–55,000 ounces in 2026 and generate $60–100 million in free cash flow, depending on gold prices. This outlook is underpinned by a debt-free balance sheet and strong operating margins, even as Serabi invests $15 million annually in exploration and development.A central pillar of its strategy is resource expansion. The company increased its resource base from 1 million to 1.4 million ounces in 2025 and is targeting 1.8–2 million ounces by the end of 2026 through extensive drilling. The Coringa project offers particularly strong upside, with significant unexplored potential along its mineralized strike.A major milestone was the unanimous approval of environmental and indigenous studies for Coringa, significantly de-risking the permitting process. Final approval is expected by late 2026 or early 2027, paving the way for a potential doubling of annual production capacity to 100,000 ounces.Serabi is also prioritizing shareholder returns through a dividend policy distributing 20% of cash flow, while evaluating disciplined acquisition opportunities. With strong cash generation, expanding resources, and a clear growth pathway, the company is well-positioned to scale production and enhance long-term value.Learn more: https://www.cruxinvestor.com/companies/serabi-goldSign up for Crux Investor: https://cruxinvestor.com

When many investors approach retirement, one of their most pressing questions is how their portfolio will generate the income needed to fund their lifestyle. It's a common belief, often repeated by financial pundits and well-meaning friends, that you should simply "live off the dividends" from your investments. It sounds appealing: a steady stream of payments, without having to sell any shares. Relying solely on dividend-paying stocks in retirement can create hidden risks and may not be the optimal path to financial security. I explore what it actually means to live off dividends in retirement, the benefits and risks of relying on high-dividend-paying stocks or funds, and why diversification might be a smarter approach for long-term financial security.    You will want to hear this episode if you are interested in... [00:00] Living on dividends in retirement [06:31] Dividend stocks vs market returns [09:04] How call options work [10:50] Considerations for income-focused funds [15:15] Discussing withdrawal strategy options   The Allure (and Limits) of Dividend Strategies The appeal of a dividend-driven retirement portfolio is easy to see: pick companies with high yields, collect regular income, and (hopefully) never touch the principal. Using free tools such as Fidelity's stock screener, you can quickly assemble a list of stocks yielding 4% or more. But look closer, and several challenges arise. High dividend-paying stocks tend to be clustered in a few sectors: real estate, consumer staples, healthcare, and energy. This concentration means your portfolio lacks diversification—the single most important factor in managing risk and smoothing returns over time. If these sectors hit hard times, both income and capital could suffer.   An Overlooked Consequence of Dividends and Taxes Interest, dividends, and capital gains are all taxable (sometimes at favorable rates), but in a taxable (non-retirement) account, high dividend income can bump up your annual tax bill regardless of whether you need the cash. With a focus on capital appreciation, you retain more control: you sell as needed, and only pay tax on realized gains.   The Smarter Alternative is Total Return Investing In my opinion, the better approach is a "total return" portfolio: broad diversification across stocks and bonds, targeting growth and income together, while managing risk. Bonds provide stability and income during volatile periods, allowing for stable withdrawals even if stocks temporarily decline. Withdrawal strategies like the Guyton-Klinger guardrails model adjust withdrawals based on market conditions and keep your portfolio aligned with your longevity and inflation risks. Index investing, with its low costs and full market exposure, helps retirees avoid the sector pitfalls of dividend chasing while participating in overall economic growth. Dividends can be a useful piece of your retirement income puzzle—but making them the sole focus of your portfolio can expose you to unnecessary risk, tax drag, and potential underperformance. Instead, construct a balanced total-return strategy. That way, you'll generate income, growth, and peace of mind—not just in bull markets, but in any market environment.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Stock Screener Tools Schwab US Dividend ETF (SCHD) Schwab Total Stock Market Index Fund (SWTSX) JP Morgan Equity Income ETF (JEPI) Berkshire Hathaway AT&T Frontier Communications How To Get More Retirement Income Using Retirement Guardrails    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Jordan Rusche, Founder of Mining Stock Monkey, joins us for an in-depth and nuanced discussion around key metrics and trends in Q1 earnings reports from the gold and silver producers and PM royalty companies; along with which companies he is actively trading in his portfolio.    We start out getting Jordan's perspectives from this Q1 earnings season in the PM producers, touching upon initiatives around paying down debt, share buybacks, and dividends.  We counterbalance those trends with how companies are also investing in growth through mergers and acquisitions. We discuss some general takeaways in the earnings reports from how the majors are managing increasing costs from higher fuel costs to labor to sustaining capital in Newmont Corporation (NYSE: NEM, ASX: NEM, PNGX: NEM), Barrick Mining Corporation (NYSE:B)(TSX:ABX), and Agnico Eagle Mines Limited (NYSE: AEM) (TSX: AEM) . We check in on the positive market reaction in the Q1 report from B2Gold Corp. (TSX: BTO, NYSE AMERICAN: BTG, NSX: B2G), but Jordan also couches the enthusiasm with the fundamental factors pointing to the potential for rising AISC figures for the balance of this year. Jordan breaks down why Agnico Eagle paid a premium for Rupert Resources Ltd (TSX: RUP) (OTCQX: RUPRF) (FSE:R05), in the recent acquisition of their project in Finland. Next we shifted over to the record revenues witnessed in Q1 earnings reports from the royalty and streaming companies.  While revenues are up in a big way, that is not typically been from growing gold equivalent ounces (GEOs).  Jordan highlights the longer-term investing thesis required to realize the growth potential in production metrics in a company like Royal Gold, Inc. (NASDAQ: RGLD). Sticking with royalty companies, Jordan highlights the strong copper exposure and future growth on tap across multiple commodities in Elemental Royalty Corporation (TSXV: ELE) (NASDAQ: ELE).      Get 25% off Mining Stock Monkey VIP. {Limited to 10 sign ups}: https://miningstockmonkey.com/products/vip?promo=KE25MAY     Sign up for Jordan's free “Silverback Letter” here: https://miningstockmonkey.substack.com     For more market commentary & interview summaries, subscribe to our Substacks:   The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/     Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned, and companies profiled may be sponsors of the KE Report.

When most people hear "dividend," their brain goes straight to stocks. That's understandable. And completely wrong when applied to whole life insurance. https://www.youtube.com/live/HPXaTnOOU4U That one assumption causes real problems. People chase companies with the highest declared dividend rate. They compare illustrations side by side and pick the bigger number. They make decisions based on a metric that, on its own, tells them almost nothing about how their policy will actually perform. This article gives you a clear picture of what whole life dividends actually are, what they're not, and what really determines whether your policy works for you over the long run. The conclusion is probably not what you'd expect: the most important factor isn't the dividend rate, the company, or even the policy design. It's your own behavior.For a deep dive into how dividends are calculated and the four biggest myths about dividend rates, see our earlier conversation with Perry Miller here. Table of ContentsKey TakeawaysWhat Whole Life Dividends Actually AreHow the Money Actually MovesNot Guaranteed, but Highly ProbableThe Coca-Cola AnalogyWhat Whole Life Dividends Are NotNot Stock DividendsNot a Simple Interest Rate on Your Cash ValueNot in Addition to the Guaranteed Interest RateHow Dividends Are Actually Allocated to Your PolicyThe Endowment RequirementWhy Younger Policyholders Get a Smaller ShareWhy Base Premium Gets Higher Crediting Than PUAsThe Direct vs. Non-Direct Recognition DistinctionWhy the Dividend Rate Is the Wrong Thing to CompareThe Factor That Matters More Than Any of This: Your Own BehaviorWhy Premium Consistency MattersWhy Loan Repayment Matters Just as MuchThe Bottom Line on BehaviorHow to Use Your Dividends StrategicallyStop Chasing the Rate. Start Building the SystemBook a Strategy CallFrequently Asked QuestionsWhat are whole life insurance dividends?Are whole life dividends guaranteed?How are whole life dividends different from stock dividends?Does a higher dividend rate mean a better whole life policy?What is the best way to use whole life dividends?What is direct vs. non-direct recognition in whole life insurance? Key Takeaways Dividends are return of excess premium. What happens between your payment and your dividend is capital management, not a refund. A 6% declared rate does not mean 6% cash value growth. Actual growth depends on Age, base-to-PUA ratio, and other policy design options. Loan activity can also affect results with direct recognition companies. The guaranteed interest rate is not separate but makes up part of the declared dividend. 2% guarantee plus 6% dividend does not equal 8%. Younger policyholders get less of the dividend pool. Older policyholders get more. Endowment math. Base premium gets higher crediting than PUAs because the company can count on it. Never compare direct and non-direct recognition illustrations without modeling loan activity in both. Your behavior matters more than the rate, the company, or the design. What Whole Life Dividends Actually Are For tax purposes, the IRS classifies whole life dividends as a return of excess premium. That label gets used against whole life all the time. "See? They're just giving your money back." It's not. If you paid $500,000 into a policy over twenty years and now you have $1.7 million in cash value, nobody just gave your money back. You have far more than you paid in. How the Money Actually Moves Insurance companies are extremely conservative in their projections. They overestimate mortality costs, overestimate expenses, and lowball what their investment portfolio will return. That's deliberate. It protects your money for the long run. The CIO deploys premiums into a portfolio that's roughly 75 to 85 percent fixed income: bonds, mortgage-backed securities, and some real estate. A small sliver sits in equities. The company pays death benefit claims, pays operating expenses, and sets aside money into reserves. Then the board declares how much of the remaining surplus goes back to policyholders. Three factors drive that surplus: investment performance against projections, operating expenses against budget, and actual mortality experience against actuarial estimates. Beat expectations on any of those, and policyholders share in it. Not Guaranteed, but Highly Probable Dividends sit outside the contractual promises; unlike the death benefit, the cash value growth, and the level premium, they're not guaranteed. But mutual companies have paid them consistently for over 100 years. Through recessions. World wars. The 2008 crisis. A decade of near-zero rates. They adjusted downward. They didn't vanish. The Coca-Cola Analogy Coca-Cola has excess profits because they charge more per can than they need to. That's how they fund dividends to shareholders. A mutual insurance company works the same way. It prices conservatively, manages capital, and returns the surplus. But here's the difference. As a policyholder of a mutual company, you're not just a customer. You're a part-owner. You participate in your company's profits. What Whole Life Dividends Are Not Not Stock Dividends Stock dividends are volatile, taxable in the year received, and are subject to cuts or elimination in a bad year based on economic factors that swing wildly.  Whole life dividends from mutual companies are non-taxable (classified as return of premium), built on actuarial science rather than market speculation, and backed by a stability track record that equity dividends simply can't match. Even during the financial crisis of 2008, when bond rates dropped and stayed down for over a decade, mutual companies adjusted their dividend rates. They didn't collapse. They didn't plummet to near zero. They adjusted. Not a Simple Interest Rate on Your Cash Value This is the misconception that causes the most confusion. If a company declares a 6% dividend, that does not mean your cash value grows by 6% that year. You can't just take 6% and apply it to your current cash value. There's a list of reasons why. That declared rate is gross, before administrative fees, before mortality costs, and before the actuarial mechanics that make your policy endow at age 120 or 121. The actual impact on any individual policy depends on the policyholder's age, the ratio of base premium to PUAs, other policy design options.  Additionally, if with a direct recongnition company, whether there are outstanding loans. Same rate but very different outcome depending on who you are and what you're doing with the policy. Not in Addition to the Guaranteed Interest Rate This trips people up constantly. They see a guaranteed interest rate of 2% and a declared dividend of 6% and assume they're getting 8% growth. That's not how it works. The guaranteed rate is already inside the dividend. The company guarantees it can make at least 2%. If it earns enough to support a 6% crediting rate, the additional performance above the 2% floor is what generates the dividend.  So the real outperformance is 4 percentage points and not 6 stacked on top of two. How Dividends Are Actually Allocated to Your Policy This is the part that goes beyond what most dividend conversations cover. And it matters if you want to understand what your dividend actually means for your specific policy. The Endowment Requirement Every whole life policy is contractually engineered to endow at age 120 or 121. That means your cash value and your death benefit will be equal at that point. This isn't a footnote buried in the contract.  It's the mathematical engine driving how dividends get allocated. The company has to make sure every policy's cash value reaches the death benefit by that endowment date, regardless of what the markets do along the way. Why Younger Policyholders Get a Smaller Share Contrast a 20-year-old and a 60-year-old. Both paying $10,000 per year into a whole life policy.  The same premium and the same declared dividend rate. They receive very different dividend credits. The 20-year-old has 100 years until endowment. That cash value has an enormous runway to compound. Less dividend is needed today because time does the heavy lifting.  The 60-year-old has only 60 years. Their cash value needs a bigger share of the dividend pool to close the gap between cash value and death benefit faster. Same rate but a very different allocation. And it's not unfair. It's contractual. The policy promises to endow at a specific age, and the actuarial math allocates accordingly. Why Base Premium Gets Higher Crediting Than PUAs Base premium is the portion you're contractually obligated to pay every year. The company knows it's coming. The CIO can plan investment decisions around that certainty and deploy capital with confidence. Paid-up additions are optional. You don't have to pay them. The Chief Investment Officer can't rely on PUA contributions the same way when making long-term decisions. There's a second factor too, with base premium, the death benefit relative to the premium amount is much higher.  A policyholder paying $100,000 in base premium might carry a death benefit of $800,000 or $1 million. That cash value has to close a gap of $700,000 to $900,000 by endowment.  But $100,000 of PUA premium might only buy $200,000 of death benefit, because it's already paid up. It only needs to grow by $100,000 over the same period. So the dividend has to work harder on the base side. More crediting goes there, especially in the first 20 to 30 years. If someone funds PUAs religiously for three decades and the PUA's death benefit grows to exceed the base death benefit, the crediting can equalize. But until then, base drives the dividend engine. The Direct vs. Non-Direct Recognition Distinction A non-direct recognition company credits the same dividend whether you've borrowe

Dividends are one of the biggest reasons people are drawn to whole life insurance - yet they're often the least understood. Hannah sits down with Chris Brown from OneAmerica to break down how dividends actually work, where they come from, and what determines how much you receive. From company expenses to investment performance and policy design, this conversation digs deep into dividends to help you understand what's really happening inside your policy. Watch our 90-minute presentation here: https://bit.ly/tmm-podcast-ppt Send us an email at podcast@themoneymultiplier.com Check out our resources at: https://linktr.ee/themoneymultiplier

In this episode, we dive deep into the mechanics of policy loans and the Infinite Banking Concept. You'll learn how to leverage whole life insurance for total financial control, discover how to use your capital more effectively than a traditional consumer, and start thinking like a bank owner while avoiding the common pitfalls of the financial mainstream.Primary: TheWealthWarehousePodcast.com — Watch the video course (see what maximum-efficiency design actually looks like)Secondary: Free 30-minute consultation AFTER READING "Becoming Your Own Banker" By R. Nelson Nash — Bring your illustration or premium budget, and we'll show you how to engineer your own system

In this video, I sit down with investor Jonah Weingarten, who ditched traditional dividend growth investing for what he calls his "High Yield Fever Dream" — a high-income strategy built around covered call ETFs, a daily buying schedule, and a plan to eventually live off his distributions in retirement.Jonah breaks down his full system: which ETFs he buys bi-weekly (QQQI, SPYI, IYRI, MLPI, GPIQ, TSPY and more), which ones he buys on specific days of the week (QDTE, XDTE, NVDY, PLTY, KURV and more), and how he splits everything 50/50 between his core ETF bucket and his daily income plays.He also shares his end game — right now, he reinvests 50% of all distributions. Once he retires, 50% covers living expenses, and the other 50% keeps compounding, so his income never stops growing. [⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Link to YouTube Video⁠⁠⁠⁠⁠⁠⁠]Follow Jonah on Blossom, Instagram or Facebook.Dividend Channel DRIP Returns Calculator: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dapper Dividends Recommendation Tracker Spreadsheet⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out my current portfolio on

Jack speaks with a top Wall Street strategist about quarterly results. Plus, two industries to view cautiously. Learn more about your ad choices. Visit megaphone.fm/adchoices

Greetings & welcome back to the podcast. This episode we are joined by Mr. Ryan Bushell - CEO of Newhaven Asset Management - an investment firm with ~$500 million under management. Ryan Bushell joined Newhaven in 2018 from one of Canada's longest tenured Investment Managers, where he was co-head of the investment team responsible for meeting investment objectives for private and institutional clients. Mr. Bushell holds the Chartered Financial Analyst (CFA) and Canadian Investment Manager (CIM) designations. Mr. Bushell has a Bachelor of Management and Organizational Studies specializing in Finance from the University of Western Ontario, and is a member of the CFA Society Toronto. Among other things we learned about Capital Preservation – Dividend Investing & Energy Infrastructure. Enjoy.Thank you to our sponsors.Without their support this episode would not be possible:Connate Water SolutionsATB Capital MarketsBunch ProjectsWarren ValveKinsted WealthSupport the show

In this episode I'm joined by Marc Lichtenfeld, Chief Income Strategist at The Oxford Club and bestselling author of Get Rich with Dividends. Marc shares his practical, beginner‑friendly approach to dividend investing and his well‑known 10‑11‑12 System, which combines starting yield and dividend growth to aim for double‑digit long‑term returns.We discuss:What boxing can teach us about investingWhy dividend growth is a powerful signal of company strengthHow to understand payout ratios and cash flowDividend traps and the danger of chasing high yieldsREITs, emerging markets, and global dividend opportunitiesThe power of reinvesting dividendsEpisode Blog Post: https://www.sharesforbeginners.com/blog/oxford-lichtenfeld

In this episode I'm joined by Marc Lichtenfeld, Chief Income Strategist at The Oxford Club and bestselling author of Get Rich with Dividends. Marc shares his practical, beginner‑friendly approach to dividend investing and his well‑known 10‑11‑12 System, which combines starting yield and dividend growth to aim for double‑digit long‑term returns.We discuss:What boxing can teach us about investingWhy dividend growth is a powerful signal of company strengthHow to understand payout ratios and cash flowDividend traps and the danger of chasing high yieldsREITs, emerging markets, and global dividend opportunitiesThe power of reinvesting dividendsEpisode Blog Post: https://www.sharesforbeginners.com/blog/oxford-lichtenfeld

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans walks through the mechanics of whole life insurance the same way he walks through it on a first call with every client. If you've ever been confused about premium structure, cash value, or why IBC practitioners pay what they pay, this episode is designed to make it finally click.Chapters: 00:00 – Opening segment 02:10 – What cash value actually is (the $10,000 bond analogy) 06:40 – How time changes the present value of money 10:45 – Adding required payments and how they drag value down 14:20 – The job of an actuary and why term insurance is "cheap" 19:15 – Introducing the $20,000 at 20/80 premium structure 21:00 – Base premium explained (the 20% / $4,000 portion) 26:30 – Why base premium alone doesn't build cash value fast 30:15 – The Dave Ramsey critique and why it falls apart 35:40 – PUA premium explained (the 80% / $16,000 portion) 40:20 – How PUA generates immediate cash value (no future drag) 45:10 – Stacking dividends and the "wedding cake" effect 50:05 – Base vs PUA: which to lean on and when 53:20 – Reframing premium as savings, not an expense 56:15 – Closing segment Key Takeaways:Cash value is not a checking account. It's the net present value of a future death benefit, discounted by time and required premium obligations. Understand that and the rest of whole life insurance starts to make sense.Time and required payments are the two forces that drag down cash value. Shorten the timeframe or remove required future payments, and the present value rises. This is the mechanical reason PUA premium converts to cash value almost immediately.Term insurance is cheap because it's statistically unlikely to pay out. Only one to two percent of term policies ever pay a death benefit. You're buying a narrow, inexpensive slice of the actuarial curve, which is why it costs less than whole life.Base premium is required and primarily buys protection. In a $20,000 at 20/80 structure, the $4,000 base premium puts a large death benefit in force but generates very little cash value in the early years.PUA premium is optional and primarily buys cash value. That same structure directs $16,000 toward paid-up additions, which converts to cash value almost dollar-for-dollar immediately and also increases the death benefit.Dividends compound the structure over time. Using dividends to purchase more PUA grows your pro-rata share of the company, which grows future dividends, which grows the policy further. This is why properly structured policies accelerate with age.You have to understand the asset before you structure it. This is why the first call is about concepts, not your personal situation. The right premium structure can only be chosen after you understand what each dollar is actually doing.

The GFC exposed a harsh reality: for investors in or near retirement, large drawdowns aren't just uncomfortable — they can be permanent. Aaron Binsted from Lazard Asset Management saw this firsthand. It shaped the thinking behind a strategy designed to deliver equity returns with lower volatility and a focus on growing income. In this episode, we cover how markets are navigating today's macro backdrop, why “economic diversification” matters more than ever, and the under-appreciated dividend growers Binsted is backing on the ASX.

David Alton Clark, who runs Retirement Income Warrior, shares how he's taking advantage of the volatility by taking profits and getting into a dividend name (0:35) Past performance (16:15) Top income pick (23:20)Show Notes:Commanding Retirement Income: A Disciplined Framework for Retirement Income Generation, Wealth Creation, and Capital PreservationInvesting Experts transcriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions.

Real estate investors don't think of themselves as dividend investors. Neither do venture capitalists or business owners collecting profit distributions. But strip away the labels, and every one of them is doing the same thing: buying a stream of income and betting it grows. The wrapper is different. The logic is identical.To prove it, Greg walks through three real investments, all made in 2013, with the same $535 million starting point: Republic Plaza (one of Denver's premier office towers), Sysco ($SYY), and DCM's own Model Portfolio. In year one, the building won on income. Today, thirteen years later, it's generating the least of the three, and the building itself has lost nearly half its value. The model portfolio, which started with the lowest income, now generates the most. The difference wasn't asset class. It was whether the income grew.That compounding gap is what Greg calls the "second decade effect"—the point where a growing income stream laps a higher but stagnant one. It's also why income focus gives investors something price-chasing never can: control, predictability, and a reason to stay put when markets get uncomfortable. Topics Covered:[00:00] Introduction & the "income mailbox" reframe[01:34] Why the word "dividend" misleads investors[04:26] The foundation: every investment is a bet on cash flow[06:09] Three investments, same $535 million starting point, 2013[09:17] Thirteen years later: how each one performed[13:59] The "second decade effect" — why growing income wins over time[17:48] Two mindsets: growing income vs. speculating on price[20:11] What the NYSE closing bell taught Greg about how investors think[24:38] Dividends vs. buybacks: why income creates capital discipline[28:42] Three takeaways and final thoughts________ Dividend Growth: The Quiet Engine of Wealth Dividend growth investing sounds simple, but doing it well for decades is not. That's why we wrote Dividend Growth: The Quiet Engine of Wealth—a practical guide to building a framework you can stick with when things get uncomfortable. You can get a free copy here. Plus, join our market newsletter for more on dividend growth investing. ________ Send us Fan Mail________ Disclaimer: Past performance does not guarantee future results. This episode is for educational purposes only and is not investment advice.________ RESOURCES:Schedule a meeting with us: Financial Planning & Portfolio Management Getting into the weeds: DCM Investment Reports & ModelsIf you enjoy the show, we'd greatly appreciate it if you subscribe and leave a reviewFollow us on:Instagram | Facebook | LinkedIn | X

After years of declining dividend rates during the low-interest-rate era, every major mutual life insurance company in our latest analysis is trending upward. This is the first update to our flagship whole life dividend analysis since 2020, and the shift is hard to miss. We walk through 10 years of dividend interest rate data for Guardian, MassMutual, Northwestern Mutual, New York Life, Penn Mutual, and Lafayette Life. You'll hear why you can't directly compare one company's rate to another's, and why the intra-company trend is what actually matters. We talk through what's driving the recovery, including the higher interest rate environment that's letting insurers reinvest at meaningfully better yields. You'll also hear which carriers are recovering fastest, which are lagging, and where the warning signs would appear if a company's next announcement fell outside its normal range. A few things we cover along the way: why standard deviation tells a different story than average change, why Penn Mutual's famous flat streak ended the way it did, and why Lafayette Life's recent acceleration puts them in a category of their own. Just remember, dividend performance is one data point among several. Product design, policy structure, and how the contract is used matter just as much, and often more, for cash value outcomes. ______________________________________ If you want to talk through how any of this applies to a specific situation, you can schedule a call or if you prefer to write us first, just click right here.  

High Yield Investor's Samuel Smith shares his thoughts on energy, gold and silver (0:40) Context on yield (11:00) Context on dividend cuts (16:20) Updated thoughts on private credit and Blue Owl (18:30)Show Notes:Blue Owl Capital: The Market Thinks Disaster Is Coming, I Think It Is WrongInvesting Experts Live: Steven Bavaria And Samuel Smith's Top Income Picks For 2026Investing Experts' transcriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions.

This week on the podcast, our guest is Rich Kruger, President and Chief Executive Officer of Suncor Energy Inc. Rich explains key messages from the company's recent Investor Day presentation, including its transformation in safety, operations, and financial metrics over the past three years.   Here are some of the questions that Peter and Jackie asked Rich: What is Suncor's production now, and what is your 3-year growth plan?  How do oil sands costs stack up against U.S. shale? How much capital are you returning to shareholders, and how do you respond to criticism that Suncor should be investing more capital in Canada versus sending it to investors? What are the reserves of Suncor, and how do these compare to those of other companies?   With pipeline proposals advancing west to tidewater and south to the United States, where should Canada focus its efforts?  Are you concerned about Venezuela creating competition for Canadian oil in the United States? What are your thoughts on US shale oil? Do you expect the growth to slow?   With active discussions underway on carbon pricing and the Pathways Carbon Capture project, what is your perspective on Canada's future carbon policy and competitiveness?  How does the federal government's shift in tone affect your investment outlook, and does it meaningfully reduce greenfield project risk?  Content referenced in this podcast: Suncor Investor Day replay and transcript (March 31, 2026) Please review our disclaimer at: https://www.arcenergyinstitute.com/disclaimer/ Check us out on social media: X (Twitter): @arcenergyinstLinkedIn: @ARC Energy Research Institute Subscribe to ARC Energy Ideas PodcastApple PodcastsAmazon MusicSpotify 

April 13, 2026 – Discover how dividend-paying stocks can add income and stability to your portfolio. Jim Puplava shares insights on dividends, inflation, tax benefits, and strategies for every stage of investing on Financial Sense Newshour...

Starting with tax season, the Trump cash & growth policies are starting to reap rewards for people. Now if we can only solve the Iran/gas problem. Steve Moore is host of Moore Money.

IN this episode Dr's J and Santhosh dive into studies on the effects of AI on the medical world. Along the way they cover AI and its need to be liked, AI psychosis, advantages and disadvantages of ai in mental health treatment, health disinformation safeguards, manipulating AI, nutritional miscalculations, speedy fluid cultures, drug development and more. So sit back and relax as we learn how AI language models are having an effect on your health!Further Readinghttps://www.frontiersin.org/journals/nutrition/articles/10.3389/fnut.2026.1765598/fullhttps://pubmed.ncbi.nlm.nih.gov/41273266/https://pubs.acs.org/doi/10.1021/acs.nanolett.2c03015https://www.biorxiv.org/content/10.1101/2025.01.17.633620v1Support Us spiritually, emotionally or financially here! or on ACAST+travelmedicinepodcast.comBlueSky/Mastodon/X/Instagram: @doctorjcomedy @toshyfroTikotok: DrjtoksmedicineGmail: travelmedicinepodcast@gmail.comSpotify: https://open.spotify.com/show/28uQe3cYGrTLhP6X0zyEhTPatreon: https://www.patreon.com/travelmedicinepodcast Hosted on Acast. See acast.com/privacy for more information.

If the financial headlines feel overwhelming, Wes Moss and Christa DiBiase help bring things back into focus. This episode of the Retire Sooner Podcast ties real listener questions to long-term investing principles, offering context to support more informed decision-making. • Examine why many Americans feel financially behind while weighing the risks often associated with higher-risk areas such as crypto, meme stocks, options trading, and sports betting—and the behavioral pull of comparison-driven investing. • Evaluate pension choices by comparing lump sum payouts versus lifetime income streams in the context of longevity, income needs, and personal financial goals. • Understand how dividends may factor into total return and how reinvestment has historically contributed to long-term investment outcomes. • Assess how to use proceeds from a home sale by balancing debt reduction, investment opportunities, and liquidity for future flexibility. • Explore investment options often considered more conservative, such as Treasury money markets and short-term bond ETFs, while recognizing trade-offs between stability, income, and interest rate risk. • Differentiate between fixed annuities and CDs by reviewing guarantees, liquidity considerations, and how each may fit within a broader retirement income strategy. • Take a fresh look at your portfolio by balancing different time horizons, being mindful of taxes, and thoughtfully managing RSU stock (Restricted Stock Units) with an emphasis on diversification. Listen and subscribe to the Retire Sooner Podcast for more educational conversations about financial decisions and the world around them. Learn more about your ad choices. Visit megaphone.fm/adchoices

Interview with Gavin Ferrar, CEO of Central Asia Metals Our previous interview: https://www.cruxinvestor.com/posts/central-asia-metals-lsecaml-kazakhstan-copper-producer-reports-solid-financial-performance-6938Recording date: 31st March 2026Central Asia Metals PLC, an AIM-listed base metals producer with a $400 million market capitalization, delivered robust 2025 financial results while navigating a critical transition from mature assets to new growth opportunities.The company reported $230 million in revenue and $103 million in EBITDA, generating $56 million in free cash flow. This enabled a 12 pence per share dividend representing a 7% yield—paid at the maximum end of its 30-50% free cash flow distribution policy. The company also completed a $10 million share buyback before market weakness reduced valuations by 20-30% across the mining sector.Central Asia Metals' financial backbone remains the Kounrad copper operation in Kazakhstan, which operates at exceptional 75% EBITDA margins. The facility processes 600 million tons of Soviet-era waste dumps through heap leaching, producing 13,300 tons of copper cathode in 2025. While production guidance moderates to 12,000-13,000 tons for 2026 as leach curves naturally decline after 14 years of operation, the site has consistently outperformed expectations with 13-14% higher copper recovery than forecast. This track record supports management's pursuit of license extension beyond the current 2034 expiration date.The company's SASA lead-zinc mine in North Macedonia faced significant challenges in 2024 due to unexpected geological complexity at depth. Management implemented comprehensive restructuring including an 11% workforce reduction, enhanced geological monitoring, new mining methods, and strategic hedging of 50% of zinc production. Fourth quarter 2025 showed marked improvement, enabling raised guidance for 2026.Looking forward, Central Asia Metals pursues dual-track growth through early-stage exploration across six Kazakhstan licenses and acquisition of pre-feasibility stage development assets trading at 0.25x net asset value. CEO Gavin Ferrar emphasized the company's proven construction and operational expertise as competitive advantages in advancing acquired projects while maintaining financial flexibility through a clean balance sheet and disciplined capital allocation.Learn more: https://www.cruxinvestor.com/companies/central-asia-metalsSign up for Crux Investor: https://cruxinvestor.com

Andy and Randy get in to the Braves early successes, and how they are getting it done while stars are yet to get going.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3509: Robert Farrington distills Warren Buffett's timeless investing philosophy into practical lessons that emphasize patience, discipline, and strategic thinking. From holding cash for opportunity to focusing on undervalued companies with strong fundamentals, these principles reveal how long-term wealth is built. Listening through offers a clear roadmap for making smarter, more confident investment decisions. Read along with the original article(s) here: https://thecollegeinvestor.com/3395/warren-buffetts-top-5-tips-investing/ Quotes to ponder: "I have known a great many people who at some time or another have suffered in various ways simply because they did not have ready cash, I hope it never happens to you." "Be fearful when others are greedy, and greedy when others are fearful." "Dividends are a great perk to buying a company, as it usually shows that the company's finances are in good enough shape to support paying out its hard-earned money." Episode references: CNBC Berkshire Hathaway Portfolio Tracker: https://www.cnbc.com/berkshire-hathaway-portfolio/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Dr. Christopher Wolfe discusses the Vision Source D25 program with Mick Kling, exploring its origins, benefits, and how it fosters community and value among independent optometrists. Discover how the program reinvests in practices and strengthens the independent optometry community.   Chapters 00:00 Weather Talk and Introduction 01:11 Unpacking the D25 Program 02:04 The Origin Story of Vision Source 05:10 The Value of Community in Vision Source 09:30 Understanding the D25 Program 11:06 Member Dividends Explained 17:42 The Mechanics of D25 Participation 28:49 Future Opportunities and Closing Thoughts  resources Vision Source Official Website - https://visionsource.com Insight Member Platform - https://visionsource.com/insight Mick Kling on LinkedIn - https://www.linkedin.com/in/mickkling/ Amir Kashnevis on LinkedIn - https://www.linkedin.com/in/amirkashnevis/  guest links LinkedIn - https://www.linkedin.com/in/mickkling/   ---------------------- For our listeners, use the code 'EYECODEMEDIA22' for 10% off at check out for our Premiere Billing & Coding bundle or our EyeCode Billing & Coding course. Sharpen your billing and coding skills today and leave no money on the table! questions@eyecode-education.com https://coopervision.com/our-company/news-center/press-release/coopervision-and-aoa-join-forces-launch-myopia-collective Go to MacuHealth.com and use the coupon code PODCAST2024 at checkout for special discounts  Show Sponsors: CooperVision MacuHealth

“Only live off the dividends. Never touch the principal.”It sounds responsible. It feels safe. It may be one of the riskiest retirement strategies out there. In this episode, James breaks down why building a retirement plan around dividend income alone can quietly distort your portfolio. Chasing high yields often means concentrating in a narrow group of sectors while ignoring total return. The result can be more volatility, more sequence risk, and less long term growth than you expected.The math is simple. A higher dividend yield lowers the amount of capital needed to generate income. That is tempting. But yield does not equal safety. Dividends come from the same underlying value as price appreciation. Whether you receive cash from a payout or by selling shares, the economics are nearly identical. What matters is total return and how your portfolio is structured to withstand downturns.James walks through why diversification and growth potential matter more than headline yield. He also explains a more durable framework. Identify how much income you truly need from your portfolio. Set aside a multi year reserve to protect against downturns. Invest the remainder for long term growth rather than maximizing current income at the expense of flexibility.Your portfolio is not a museum piece. It is a tool. Retirement is not about preserving principal at all costs. It is about using your assets intentionally to support the life you actually want.Learn the tips & strategies to get the most out of life with your money.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️Get Started Here.Join the new Root Collective HERE!