POPULARITY
Categories
Over the last few years, in addition to teaching young single adults a temple prep class she calls “Temple Plus,” Melinda Brown has traveled from her home in Utah to Durham, North Carolina to pursue a degree from Duke Divinity School. In the process, she has found her love and appreciation for the temple deepen. On this week's episode, she shares why she believes the gifts God intends to endow us with within His holy house are intended to bless our lives in the present. She now recognizes that eternity is now. 2:50- Divinity School 11:25- Liturgy and Temple Worship 16:15- The Giver and the Receiver 22:51- Teaching Children About the Temple 31:21- Seeking a Positive Temple Experience 38:19- Temple Garments 43:25- Practice 48:09- What Does It Mean To Be All In the Gospel of Jesus Christ? “Every day is a new starting point and we just get to keep trying. It's all practice.” Links: An Endowment of Love- https://bit.ly/3S2OqVu Eve and Adam- https://bit.ly/4kahyGe Instagram Live with Mindy Brown- https://www.instagram.com/tv/Ch0wfgLpIGl/?igsh=cXl1MWozdmo4aTNv Previous All In episode with Mindy Brown- https://podcasts.apple.com/us/podcast/all-in/id1439975046?i=1000467433196 YouTube mini-class on the Temple with Mindy- https://youtu.be/dw1CkaFJp_w Other recent interviews with Mindy about “An Endowment of Love”- Out of the Best Books: https://podcasts.apple.com/us/podcast/out-of-the-best-books/id1779601020?i=1000704289819 Magnify- https://podcasts.apple.com/us/podcast/a-fresh-perspective-on-our-temple-experience/id1643211858?i=1000702502616
MERZ. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1772 POTSDAM
EU: JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1914 BRUSSELS
How can we apply the same emergency measures that Harvard and other universities are using to navigate a financial crisis? Also, how universities invest their endowments and what their performance has been.Topics covered include:What has led to the financial crisis at HarvardWhat actions has the university takenHow do endowments invest and spend their fundsHow endowments maintain intergenerational equityHow we can apply the principles universities use in our own investingSponsorsNetSuite LinkedIn Jobs – Use this link to post your job for free on LinkedIn JobsInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesLetter Sent to Harvard 2025-04-11—HarvardHarvard Response 2025-04-14—HarvardTrump Administration Will Freeze $2 Billion After Harvard Refuses Demands by Vimal Patel—The New York TimesShould Harvard Be Tax Exempt? by The Editorial Board—The Wall Street JournalFact Sheet: President Donald J. Trump Reforms Accreditation to Strengthen Higher Education—The White HouseAt Grim Town Hall, Harvard Medical School Leaders Tell Staff to Expect Layoffs and Far-Reaching Cuts by Avani B. Rai and Saketh Sundar—The Harvard CrimsonCan Harvard Use Its Endowment To Make Up For Federal Cuts? It's Possible, but Not That Simple. by Avani B. Rai and Saketh Sundar—The Harvard CrimsonYale Weighs $850 Million Bond Sale Amid Trump's Higher Education Attack by Elizabeth Rembert and Amanda Albright—BloombergYale seeks to sell billions in private equity investments as political pressures from Trump mount by Liese Klein—CT Insider2024 NACUBO-Commonfund Study of Endowments—NACUBOEndowments Face Liquidity Crunch Amid Market Pullback, Funding Cuts by Matt Toledo—Chief Investment OfficerBig investors borrow against private equity holdings amid cash crunch by Amelia Pollard and Antoine Gara—The Financial TimesRelated Episodes402: Why Student Debt Is So High and Forgiving It Doesn't Fix the Problem245: Is College Worth It?180: Can You Outperform Harvard's Endowment?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The National Endowment for the Arts has withdrawn more than half a million dollars worth of grants that arts organizations all over Oregon were relying on. Portland Playhouse got a letter that said it would not get $25,000 meant for its production of August Wilson’s and Joe Turner’s "Come and Gone" that was to open the next day. Other organizations that saw their funding pulled include All Classical Portland, Oregon Children’s Theatre, NW Children’s Theatre, Passinart: A Theatre Company, and Profile Theatre. Portland Playhouse donors quickly made up the theatre’s lost $25,000 grant, but future federal funding is looking bleak to many Oregon arts organizations. Many of them met this week with Rep. Suzanne Bonamici, who vowed to do everything in her power to get federal funding restored. Claire Willett is a Portland-based playwright, artist and grant writer. She’s been following the NEA funding cuts for Oregon Arts Watch and joins us to share the latest developments.
In this episode of EisnerAmper's Engaging Alternative Spotlight, Elana Margulies-Snyderman, Director, Publications, EisnerAmper, speaks with Wendy Li, Co-Founder and Chief Investment Officer, Ivy Invest, an endowment-style interval fund comprised of alternative and traditional investments, which is available to everyone. Wendy shares her outlook for endowment-style investing, including the greatest opportunities and challenges, her experience being a woman in the industry and more.
#BERLIN. DISAPPOINTING MERZ. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1772 POTSDAM
#BERLIN: EU DISTRUSTS PRC. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1884 BRUSSSELS
#BERLIN: WHAT DOES CARNEY MEAN TO THE EU? JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1855 CRIMEA
#BERLIN: GERMANY MUST LEAD THE EU. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. `855 CRIMEA
In this episode, Bill welcomes Roger Vincent, founder of Summation Capital, to explore the evolving private equity landscape. Roger shares insights from his 30-year career, including his pivotal role at Cornell's Endowment and his motivation for creating Summation to deliver institutional-quality private equity access to high-net-worth investors. They address private equity's shift from an exclusive asset class to a complex industry, the challenges of democratization, the critical role of manager selection, and the importance of fee structures. Roger also discusses the future impact of AI in investment strategies and portfolio construction.
Evan Horowitz of the Center for State Policy Analysis at Tufts University says it won't be easy for the school to offset the loss of roughly $2 billion in federal funds frozen by the Trump administration.
Should you invest in gold for the long term? Gold has been a great asset to hold over the last year, but I remain a skeptic of investing in gold long term. I personally don't own any gold nor would I recommend buying gold at this point in time. While the recent gains in the price of gold look attractive, given the fact it is up over 20% so far this year in a difficult market, the long-term results aren't enticing. There are periods of time where gold has been a strong performer, but trying to guess those periods is extremely difficult. If we look at January 1980 gold reached $850 per ounce, but the important number here is that the inflation adjusted price was $3,486 per ounce. This means it was not until recently when gold hit $3,500 per ounce, we see an all-time high on an inflation adjusted basis and essentially you made no real gain for over 45 years. At the end of the day gold is just a piece of metal worth only what the next person will pay for it. It has no earnings, no interest, no rents. This makes it extremely difficult to value and given the added expenses for trading and holding gold, it just does not make sense to me. I will continue to invest in good strong businesses at fair prices as I believe that is the best strategy for long term wealth creation. Why is the government supporting universities with large endowments? I've never really thought about this before. I have known that some big universities have multibillion dollar endowment funds, but I did not realize that 658 institutions have approximately $874 billion, which is nearly $1trillion in endowment funds. When I dug a little bit deeper, I discovered that in addition to these universities receiving money from the federal government via grants, some pay little or no income tax and also get a waiver on property taxes. If you're starting to get a little bit irritated at this point because your hard-working dollars are going to universities like Harvard that has a $53 billion endowment or Yale with a $41 billion endowment, you might be like me and think it's time that things change. The cost of tuition at Harvard is $57,000 per year and the President makes about $1.3 million a year. The president of San Diego State University has a salary of $531,000 and the cost for one year of tuition is about $8700. I'm sure the students at Harvard do receive a more prestigious education than at San Diego State University, but is it 6 1/2 times better? Do the students that graduate from Harvard make a salary that's 600% more than a graduate from San Diego State University? I don't think so. I wondered where money from these endowments goes and basically 48.1% of endowment distributions go to fund student financial aid, 17.7% goes to academic programs and research, 10.8% is used for endowment faculty positions and nearly 17% of the endowment funds are used for other purposes. Wouldn't it be nice to know what those purposes are? I think we need to take a hard look at what universities have in their endowment funds, their tax benefits and grants, and let's have more students here in the United States benefit from those billions of dollars to get a good education as opposed to the fat cats in the Ivy League towers of the universities. One other point I found interesting was the investing philosophy for these endowment funds. The goal is to earn around 8% per year and pay out 4.5% to 5% to fund those various expenses. This should then allow the endowment fund to continue growing. A big problem is many have not been able to achieve that goal with only 25% of 152 schools that were surveyed being able to meet the 8% return over the last 10 years. The other concern is if they can't cut expenses if there is a lack of grants, many endowments are not liquid. Harvard for example had 39% in private equity, 32% in hedge funds, 5% in real estate, 3% in real assets, and just 3% in cash. With all this said I really believe this system should be reviewed to better the entire country, rather than just the Ivy League system. Could the trade wars hurt home prices? We are starting to see some cracks in the housing market, such as the delinquency rate on FHA mortgages, which cater to the high-risk borrowers who can't qualify for a conventional mortgage because they either have a small down payment or weak credit. The delinquency rate for FHA currently stands at 11% according to the Mortgage Bankers Association, it has not been at this level for 12 years. Unfortunately, and we warned against it, but many people have stretched themselves too far financially to get into a home over the last few years. Because it's only been two or three years since they bought their home, after fees and commissions they may not have much if any equity built up in that home. Another area of weakness that is being seen is with the homebuilders who have really increased their incentives because they have more completed but unsold homes. The builders are getting a little bit worried because they have not seen this many homes sitting on their lots with no buyers since 2009. The average incentives for homebuilders is usually around 5% of the total value of the home, but we are starting to see some incentives around 13% from big builders like Lennar. The volatility of the 10-year treasury, which mortgages generally trade off of, has not been helpful because it has had a wide trading range lately. This then makes it difficult for homebuyers to lock in a good rate. At this point in time, I think I would be waiting to buy a home until maybe late summer. I think there should be some good deals at that point in time as the tariff war should continue to progress and we should have a clearer picture of the economy by that time. Financial Planning: Why converting 100% of pretax is bad Roth conversions can be a powerful tax planning tool, but like any tool, using it the wrong way can do more harm than good. One of the most common mistakes we see is the idea that you should convert all of your pre-tax retirement savings, like a traditional IRA or 401(k), to a Roth account. Everyone loves the idea of a tax-free retirement. When you convert money from a traditional IRA to a Roth IRA, you're moving it from a pre-tax account to a tax-free account, but there's a price, the converted amount is considered income and you must pay ordinary income tax in the year of the conversion. Once converted funds grow tax-free. The best way to think about money in a pre-tax account is that it is deferred income. It will be taxed, it's just a matter of when. When you make contributions to a pre-tax account, you are not receiving a tax deduction, you are deferring income to a future year. When performing a Roth conversion, you are voluntarily deciding to pay tax on that income, even though you don't have to yet. This only makes sense if you are able to convert at a lower tax rate than you would otherwise be subject to if you did not convert. This most commonly happens between the beginning of retirement, typically in your 60's, and the beginning of your required distributions at age 75. During that period taxable income is generally lower which means conversions may be done at a lower tax rate than when required distributions begin at 75. Required distributions can be a problem because if you have too much in pre-tax accounts, your required taxable distributions may push you into a higher tax bracket and trigger IRMAA. Roth conversions help this by shifting funds from pre-tax to tax-free, therefore reducing the level of taxable distributions beginning at 75. However there is an efficient amount that should be converted for every person. Converting 100% of pre-tax funds means you will likely be in a lower tax bracket after the conversions, and will potentially not have any tax liability at all. This doesn't sound bad, but it means you likely paid too much in tax to convert the funds in the first place. Again, money in a pre-tax account is deferred income that will be taxed. The goal is to have that income taxed at the lowest rate possible. If you convert too aggressively you may be settling for a higher tax rate on the money coming out and not receive enough tax-free income from the Roth to justify it. Instead, structuring withdrawals and conversions to keep your taxable income consistently low all through retirement will result in a higher level of after-tax income. Companies Discussed: Netflix (NFLX), The Walt Disney Company (DIS), Albertsons Companies, Inc. (ACI) & UnitedHealth Group Inc (UNH)
#BERLIN: SAXONY AND GROWTH. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1890 SAXONY
#NATO: IF THE US LEAVES. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN.
The Twenty Minute VC: Venture Capital | Startup Funding | The Pitch
In Today's Show We Discuss: 04:49 Breaking Down the $3BN Windsurf Acquisition 06:18 Why Sam Altman is Playing a Master Game 12:40 Why Multi-Stage Funds are Destroying Seed Managers 21:52 Are Endowment Funds F****** 27:38 What Would Rory Do If He Was CFO of an Ivy League Endowment Fund 43:38 The Denominator Effect and It's Impact on Venture Allocations 49:36 Why Revenue Multiple is BS & What You Need to Know 51:34 The Rise of AI Rollup Plays & Are They Good Businesses 55:29 Competitive Markets: How to Make Money in Them? 01:02:58 Why If You Can Guarantee 5x, You Should Always Do the Deal 01:11:56 Is SF The Only Place to Be Building Today
A new dawn brings new questions. Bo meets an old friend, Duff hits the weights, Archie solves a crossword. Join our Discord Support us on Patreon City of Mist by Son of Oak Games Primary editing by Lucas & Michelle. Additional editing by Kyle Levien. "Arborealis" and other music by Kyle Levien Season 3 Logo by Rachael Uyeno ft. Ian Mauldin as ██ ██████ ███████
Send us a textThis week, we break down the tension between Jerome Powell and Donald Trump—and what it actually means for monetary policy. If you listened to Powell's latest remarks at the Economic Club of Chicago, you may not have thought much of it, but anyone knows how to decode the Fed's deliberately vague words noticed unmistakably hawkish tone. We explain how to read between the lines of Fed speak, what it really means when the Fed prioritizes price stability over growth. We also get into why Trumps remarks on Truth Social led some to be concerned he's considering firing the Fed Chair... we discuss what that would mean for the credibility of U.S. markets.We dive into the economics of elite universities and the real impact of pulling federal research funding. We explain how endowments actually work, where that money goes, and why cutting research dollars isn't just about punishing a school—it risks gutting innovation across biotech, national defense, and the U.S. economy more broadly. Finally, we unpack the return of the Big Tech breakup debate. With Meta and Google back in court over antitrust issues, we explain what a corporate spinoff actually is, how it works, and why breaking up a giant like Meta might help your portfolio. From conglomerate discounts to split-offs and subsidiary IPOs, we walk through the corporate finance mechanics that could drive the next big move in tech.Sign up for our Talent Accelerator HERE today! Visit Vanta.com/wallstreet for $1,000 off Start your FREE TRIAL of Training The Street's Turbo Macros HEREOur Investment Banking and Private Equity Foundations course is LIVE: Or for our "Express Workout", our one hour top 5 technicals you must know for investment banking Masterclass, purchase for $49 HEREOur content is for informational purposes only. You should not construe any such information or other material as legal, tax, investment, financial, or other advice.Public Disclosure: All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS... See full disclos...
Learn more about your ad choices. Visit megaphone.fm/adchoices
9:15 - Middlebury Professor and poet Jay Parini on what the Trump attack on high educations means for the classroom and the campus. 10 am - Vermont Humanities Council executive director Christopher Kaufman Illstrup on the proposed cuts to the National Endowment for the Humanities and what it means for Vermont. 10:30 - Discussion of the Bernie Sanders events around the country.
In this wide-ranging conversation, Jeff Malec sits down with Dave Morehead, CIO of Baylor University's $2.2 billion endowment, to explore the unique challenges and strategies of institutional portfolio management. The discussion covers Baylor's innovative approach to portfolio construction, including their successful deployment of volatility strategies during the 2020 market crash, their current cautious stance on equity exposure, and their philosophy on private investments. Morehead explains why they're shifting away from cyclical assets in private markets and focusing on secular growth trends in healthcare, technology, and consumer sectors.Particularly timely is their analysis of recent market volatility, bond market dynamics, and the broader implications of trade policies on institutional investment strategies. The conversation provides a rare glimpse into how a major university endowment navigates market uncertainty while maintaining its core mission of supporting education and student scholarships.Whether you're an institutional investor, family office manager, or investment professional, this episode offers valuable perspectives on long-term portfolio management and the evolving landscape of institutional investing. Learn how one of the industry's thoughtful practitioners approaches risk and return in today's complex markets.You want to learn how institutional portfolios really work? You want to understand how endowments think about risk? You want to hear from someone who's traded it all and now manages billions? SEND IT!Chapters:00:00-00:55 = Intro00:56-09:33 = Hedge Fund Executive Transitions to Higher Education: Exploring Dave Morehead's Career Pivot09:34-26:18 = Baylor University's Strategic Endowment Investment Philosophy Revealed26:19-36:20 = Beyond the S&P 500: Discovering Unique Investment Opportunities in Helium and Niche Markets36:21-46:30 = Hedging Strategies and Volatility Management: Navigating Market Uncertainty with Strategic Risk Mitigation46:29-53:51 = Trust Issues and Geopolitical Challenges: Overcoming Uncertainty in Modern Investing53:52-01:00:32 = The Long-Term Perspective: Endowment Investing Beyond Quarterly Returns01:00:33-01:09:39 = An 80s Rock Music Nostalgia Trip: Revisiting the Iconic Sounds of the DecadeFollow along with Dave on LinkedIn and X and also be sure to check out Baylor's endowment for more information!Don't forget to subscribe toThe Derivative, follow us on Twitter at@rcmAlts and our host Jeff at@AttainCap2, orLinkedIn , andFacebook, andsign-up for our blog digest.Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visitwww.rcmalternatives.com/disclaimer
Harvard is taking on the Trump admin for $2B… so we looked at the Economics of Endowments.60% of Coachella ticket sales were payment plans… it's not buy-now-pay-later, it's pay-now-party-later.Netflix thinks it's recession-proof… So its new internal goal? Hit $1 trillion Dollars.Plus, what's the most forgetful day of the year?... Uber's Lost & Found data just told us$NFLX $SPOT $UBERWant more business storytelling from us? Check out the latest episode of our new weekly deepdive show: The untold origin story of Subscribe to The Best Idea Yet: Wondery.fm/TheBestIdeaYetLinks to listen.“The Best Idea Yet”: The untold origin stories of the products you're obsessed with — From the McDonald's Happy Meal to Birkenstock's sandal to Nintendo's Susper Mario Brothers to Sriracha. New 45-minute episodes drop weekly.—-----------------------------------------------------Subscribe to our new (2nd) show… The Best Idea Yet: Wondery.fm/TheBestIdeaYetLinksEpisodes drop weekly. It's The Best Idea Yet.GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts FOR MORE NICK & JACK: Newsletter: https://tboypod.com/newsletter Connect with Nick: https://www.linkedin.com/in/nicolas-martell/ Connect with Jack: https://www.linkedin.com/in/jack-crivici-kramer/ SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Anything else: https://tboypod.com/ Subscribe to our new (2nd) show… The Best Idea Yet: Wondery.fm/TheBestIdeaYetLinksEpisodes drop weekly. It's The Best Idea Yet.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
#BERLIN: ALMOST MERZ. Judy Dempsey, Senior Scholar, Carnegie Endowment for International Peace in Berlin. 1879 PARIS UNDER PRUSSIAN BOMBARDMENT
#EU: VS POTUS. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. BRUSSELS
Gloucester Cathedral, St Peter's Abbey before the dissolution in 1540, was founded in 1541. The ‘Deed of Endowment', one of three documents created for the occasion features in this video complete with flattering portrait of King Henry VIII, a Garter Badge, badge of the Prince of Wales and the original green and white (the Tudor colours) silk cord which once held the great seal. The oldest items in the archive are pages from Aelfric's The Lives of Saints which had been reused as decorative pages in a later book binding. They are around 1000 years old and look as fresh as the day they were written!The most significant item to the Cathedral is its ‘Historia,' created by monks at the Abbey in the 1390s and recording as much of the Abbey's history as they were able to. Archivist Rebecca Phillips is fairly confident that they didn't have written records from which to source information and so this is the first time the oral history of the abbey had been written down. It would then have been copied and distributed to daughter houses of the Abbey to share their story and engender a sense of belonging. British History is a reader-supported publication. To support my work, please consider becoming a free or paid subscriber.We get to see these items up close in this video plus an exquisitely embroidered King James Bible, the first Chapter Book of the Cathedral containing the signature of William Laud, and an ironic reliquary. The reliquary is thought to contain a fragment of the stake on which Bishop Hooper, Bishop of Gloucester, was burned during Mary I's reign. It's a beautifully carved and decorated box, the irony being in that Hopper was opposed to the use of relics. I hope you enjoy this video. If you do please consider subscribing to my Youtube channel and, if you can afford it, becoming a paid subscriber here as it helps me continue creating informative and fun content like this.Wishing you a fabulous day!Philippa
In this episode of the AIA podcast, host Alex Perny welcomes Scott Langham and Patrick Lynch, two co-founders of Whitestone Financial Group to discuss the concept of endowment investing.Subscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com.Learn more about our guest Scott Langham: https://whitestonewm.com/about/scott-j-langham/Learn more about our guest Patrick Lynch:https://whitestonewm.com/about/patrick-j-lynch-iii/Learn more about Advanta IRA: https://www.AdvantaIRA.com/ The Alternative Investing Advantage is brought to you by Advanta IRA.Advanta IRA does not offer investment, tax, or legal advice, nor do we endorse any products, investments, or companies that provide such advice and/or investments. This includes any investments promoted or discussed during the podcast as neither Advanta IRA nor its employees, have reviewed or vetted any investments, persons, or companies that may discuss their services during this podcast. All parties are strongly encouraged to perform their own due diligence and consult with the appropriate professional(s) before entering into any type of investment.
In this episode Warren Ingram and Pieter de Villiers discuss the intricacies of retirement fund contributions, tax benefits, and investment strategies for individuals nearing retirement answering your questions. They speak to the importance of understanding contribution limits, maximizing tax benefits, and the need for liquidity in retirement. Question: "Hello Honest Money team, I have a question regarding which in your opinion is the better long term (15 years or more) approach: Contributing more than R350k per year to your provident fund or only contributing up to R350k and putting the rest in to a tax free savings account? From my own research there seems to be merit in both, but I'm still unclear on what the optimal solution could be. I would appreciate your opinion on this. Thank you and regards, Gert Kruger."TakeawaysYou can contribute up to 27.5% of your taxable income to retirement funds.Over-contributions to retirement funds can be rolled over for tax benefits.Tax-free savings accounts have strict contribution limits and penalties for over-contribution.Maximizing contributions to retirement funds is generally advisable for tax benefits.Liquidity is crucial in retirement for unexpected expenses and lifestyle choices.Flexibility in accessing funds is more valuable than strict tax efficiency.Diversification helps mitigate concentration risk in retirement planning.Endowments can be beneficial for high-income earners due to tax advantages.It's important to balance tax planning with overall investment strategy.Life events can impact financial decisions, so having accessible capital is essential.Learn more about Prescient Investment Management here.Send us a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
#BERLIN: AFD (ALTERNATIVE FOR DEUTSCHLAND) OUTPOLLS THE CDU. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1936 OLYMPICS
BERLIN: COALITION OF THE WILLING, JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1933 BERLIN
STATE SEN. LAURA SMITH (D-HELENA, MINORITY WHIP) TRT: 11:21 EARLY CHILDHOOD ENDOWMENT/CHLDCARE WORKERS PAY/ELLSWORTH CENSURE
This week, Melinda Brown's new book An Endowment of Love was dropped on Deseret Book shelves. In it, she offers a fresh and unique approach to the temple, helping us see the connection between our temple covenants and principles of eternal, loving relationships. So in this episode, Director of Content for Deseret Book Michelle Torsak sits down with Melinda to discuss how we can take a fresh look and see the temple with new lenses. They discuss how we can better understand covenantal relationships, and Mindy shares walks us through a few parts of her new book that will help us better see our covenants as manifestations of our love for God. You can order Melinda's book now at deseretbook.com or at your local Deseret Book store. Head to magnifythegood.com/events to register now for “Learning Together: Transform Your Temple Experience” happening on May 6 at 7pm in Studio Draper. We will also have a Zoom link for those who are not local.
BERLIN: MERZ DISAPPOINTING. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1850 BECHTESGADEN
EU: TALK TALK RE UKRAINE: JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1860 BECHTESGADEN
PREVIEW: Colleague Judy Dempsey of the Carnegie Endowment comments on the kind of support that EU members offer Ukraine. More later. 1871 PRUSSIANS AT PARIS
On today's EXTRA episode Warren Smith explains why he thinks Christian ministries should not have endowments. He says the Internal Revenue Service recognizes 1.9 million organizations as tax-exempt. Of these, more than a million of them are “religious” organizations. For almost all of them, an endowment is a bad idea. To read Karen Houghton's piece on why she thinks ministries should have endowments, click here. The producer for today's program is Jeff McIntosh. Until next time, may God bless you.
Everybody should have an endowment, shouldn't they? Not so fast -- Andy and Stacey have some thoughts. Also this week, are restaurant marketing fundraisers a good way to make a little money? Thanks for joining us this week, and please, please, please send any and all nonprofit-related questions to questions@NonprofitEverything.com.
#BERLIN: HERR MERZ AND THE SPD. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN.1945 BERLIN
#EU: TRUMP IS THE MOTIVE. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1781 NORTH SEA
The recent crackdown on federal spending has universities sweating despite the fact that many of them boast huge billion-dollar endowments. So what gives? Why would less money from the federal government be a cause for concern? Where does all that money go? And could there be more to this budget picture than meets the eye? In this episode, hosts and finance professors Jonathan Berk and Jules van Binsbergen delve into the inner workings of university endowments and how these institutions are balancing their budgets in a way that's leaving themselves vulnerable to dire financial situations. Read John Cambell, Jeremy Stein, and Alex Wu's paper, “Economic Budgeting for Endowment-Dependent Universities” here. Find All Else Equal on the web: https://lauder.wharton.upenn.edu/allelse/All Else Equal: Making Better Decisions Podcast is a production of the UPenn Wharton Lauder Institute through University FM.
Preview: Colleague Judy Dempsey of Carnegie Endowment in Berlin comments on how POTUS turn away from Atlanticism has moved Europe as the Russian threat has not. More later. 1911 BRUSSELS
Ben and Jerry's CEO fired for posting in support of Mahmoud Khalil. In light of the rogue judiciary attempting to thwart Trump's agenda, we look back at the Democrats' previous statements encouraging Biden to ignore the Supreme Court. Would you support raising taxes on college's endowments? Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.
#EU: GERMANY READY TO SPEND INFRASTRUCTURE AND DEFENCE, JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1900 SCHWEINFURT
#EU: RUSSIA NOT INVITED, JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1961 CHECKPOINT CHARLIE
#EU: GALVANIZED. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1890 SAXONY
Britt Harris is a legendary figure in finance, having served as CIO for top-five investment funds across Endowments, Public Funds, Private Funds, and Hedge Funds—an achievement unmatched in the industry. Currently, he leads On Eagles Wings Advisors and has previously served as CIO for UTIMCO, the largest endowment for public education in the U.S. He also led Bridgewater Associates and Verizon. Despite his remarkable career, Britt's journey is defined by his commitment to significance over success, inspired by his faith and the mentorship of Bob Buford. In this episode of The Wow Factor, Britt Harris shares his life story from his roots as a fourth-generation Aggie to becoming one of the most influential investors in the world. He discusses how Bob Buford's teachings helped him see that life's highest calling is significance, not just success. He also opens up about the importance of faith, family, and generosity, and how he and his wife, Julia, set a financial finish line that has guided their life of purpose and impact for over 43 years. This conversation is filled with lessons on leadership, decision-making, and living a life of impact and purpose, making it a must-listen for anyone looking to balance career success with meaningful contributions to others. “This is a generation that desperately wants to be taught. They want to be mentored. They're unmoored. They really want to be successful. They've got the technical parts down, but they don't have the relational parts.” — Britt Harris “Success is not the top of the ladder. Significance is.” — Britt Harris “Every great company has a defined culture that is extreme. It's not just something on the wall or something people hear about once a year. It permeates the company. When you walk in as an employee, you either love it or you don't.” — Britt Harris This Week on The Wow Factor: Success vs. Significance: How Bob Buford's mentorship taught Britt that life's highest calling is significance, not just success. Financial Finish Line: Why Britt and Julia set a financial finish line at age 45 and how it shaped their life of generosity and purpose. The Titans of Investing: How Britt's passion for teaching and mentorship led to the creation of a program that's shaped over a thousand future leaders at Texas A&M and the University of Texas. Leadership and Influence: Lessons from managing some of the world's largest endowment funds and leading eight major companies. Faith and Family: How Britt prioritizes his faith, family, and friendships, juggling the ‘glass and rubber balls' of life to maintain balance and purpose. Decision-Making Framework: The five Fs—Faith, Family, Friends, Fitness, and Finance—that guide Brit's decisions in life and business. Living Generously: Insights on why generosity is a discipline that needs to be developed early in life. Work-Life Balance Myth: Why Britt believes true work-life balance doesn't exist but living a life of purpose and passion does. Britt Harris's Words of Wisdom: Life's true purpose lies in pursuing significance over success by living generously, staying grounded in faith, and impacting others through leadership and mentorship. His philosophy centers on balancing faith, family, and purpose to create a meaningful legacy. Connect with Britt Harris: Email Britt The Titans of Investing Connect with The Wow Factor: WOW Factor Website Brad Formsma on LinkedIn Brad Formsma on Instagram Brad Formsma on Facebook X (formerly Twitter)
1/2; #BERLIN:THE WEAK CENTER AND THE SURGING RIGHT. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1772 POTSDAM
2/2 #BERLIN:THE WEAK CENTER AND THE SURGING RIGHT. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1350 SCHWEINFURT
#BERLIN: CDU HOLDING OFF THE AFD? JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. 1871 POTSDAM
#EU: NOT INVITED. JUDY DEMPSEY, SENIOR SCHOLAR, CARNEGIE ENDOWMENT FOR INTERNATIONAL PEACE IN BERLIN. BRUSSELS 1811