Podcasts about Harry Browne

In this landmark 400th episode of the Libertarian Christian Podcast, hosts Doug Stuart and Cody Cook welcome back Jim Babka for a reflective conversation on the state of the libertarian movement today. Babka, a significant figure in the libertarian movement, shares his journey to libertarianism dating back to 1996 and recounts his transformative experiences working with liberty icon Harry Brown. As they celebrate this podcast milestone, the discussion delves into the evolving landscape of libertarianism, from the consistent core values to the shifts influenced by cultural and political changes like the escalation of the culture war.Additional Resources:Liberty from A-Z, by Harry BrowneHarry Browne's 9/12 article, “When Will We Learn?”Harry Browne's 1996 acceptance speech (video)Audio Production by Podsworth Media - https://podsworth.com ★ Support this podcast ★

Micheál Martin has come out of his meeting with Donald Trump relatively unscathed, but could he have done more?Joining Kieran to give their thoughts is Senior Lecturer in Journalism at TUD, Harry Browne and former People Before Profit TD, Bríd Smith...

During his visit to the White House for the annual St. Patrick's Day event, Taoiseach Micheál Martin hoped to highlight key issues for Ireland. But with Donald Trump in the spotlight, the conversation turned to pharma companies in Ireland and EU trade tensions.Did the Taoiseach manage to get Ireland's concerns across? Our panel — featuring Harry Browne, Ian O'Doherty, Ben Scallan, Fine Gael MEP Maria Walsh and BBC North America correspondent Anthony Zurcher — share their insights. Plus, we reveal the results of our audience poll. Hosted on Acast. See acast.com/privacy for more information.

Los fondos monetarios son productos de ahorro con los que obtendrás por tu dinero el rendimiento que ofrezca el Banco Central Europeo por la liquidez. Relegados al olvido durante los lustros de intereses cercanos a cero y hasta negativos, estos productos vuelven a formar parte de las carteras de los ahorradores e inversores por sus interesantes propiedades. Con ellos ya no tendrás que ir abriendo depósitos a plazo en entidades desconocidas a cambio de rascar unas décimas de interés. Tampoco necesitarás bloquear tu dinero durante meses o años o ser penalizado si precisas disponer de él por un imprevisto. Disfrutarás de plena liquidez cuando la necesites y mantendrás tu dinero al resguardo de la inflación en un vehículo que invierte en títulos de alta calidad crediticia.    Jesús Arroyo es creador del blog ¡Al fin libre! y desde los 33 años vive sin la obligación de trabajar. Es uno de los principales divulgadores en español sobre la estrategia de inversión conocida como Cartera Permanente, del estadounidense Harry Browne, a la que ha dedicado un curso monográfico titulado De Zero a Cartera Permanente. Su proyecto de divulgación más reciente es su taller monográfico sobre fondos monetarios. 

US President Joe Biden gave his final address last night as he sets to leave the office after only a single term in the Whitehouse, ahead of Donal Trump's inauguration this Monday.So, what will Joe Biden's legacy be when it's looked back on?Joining Kieran to discuss is former Taoiseach Bertie Ahern, Harry Browne, Journalist and Senior Lecturer in the School of Media at TU Dublin, Mick Clifford, Special Correspondent with The Irish Examiner and Emma Howard, Economist at TU Dublin.Image: Reuters

With just a week to go before Election Day, the race between Democrat Kamala Harris and Republican Donald Trump is neck-and-neck. But, in a contest this close, third-party candidates could quietly play a pivotal role.Historically, candidates from the Green Party, Libertarian Party, and Independents have influenced the outcomes in key battleground states, sometimes by just a few thousand votes. This year, polls show that even a small percentage of votes going to third-party contenders like Cornel West, Jill Stein, or Chase Oliver could tip the scales.To tell more about this, Seán is joined by Harry Browne, lecturer in the School of Media in TU Dublin.

With just a week to go before Election Day, the race between Democrat Kamala Harris and Republican Donald Trump is neck-and-neck. But, in a contest this close, third-party candidates could quietly play a pivotal role.Historically, candidates from the Green Party, Libertarian Party, and Independents have influenced the outcomes in key battleground states, sometimes by just a few thousand votes. This year, polls show that even a small percentage of votes going to third-party contenders like Cornel West, Jill Stein, or Chase Oliver could tip the scales.To tell more about this, Seán is joined by Harry Browne, lecturer in the School of Media in TU Dublin.

Claire Brock sits down with Justice Minister Helen McEntee to discuss a wide range of issues, while Ciara Doherty talks US Presidential Debate with Mick Mulvaney, Scott Lucas, Harry Browne, Saoirse Hanley and Richard Chambers. Hosted on Acast. See acast.com/privacy for more information.

Video Version: https://www.youtube.com/watch?v=jDF8hXSzHcY Find Me Here: https://linktr.ee/boldperceptionspodcast Travel / Lifestyle Consultation, DM Me On Instagram: https://www.instagram.com/bold_perceptions/ Subscribe (on youtube) to win a free flight.... when I hit 5k subscribers I will buy a random person a one way flight to experience solo travel themselves. & I will help you plan the adventure. Dorbor's Instagram: https://www.instagram.com/dorborwulu/ - we discuss the book - freedom - direct alternatives - self responsibility #travel #digitalnomad #freedom #howifoundfreedom #podcast #boldperceptions #solotravel #harrybrowne #happiness #bookreview

Claire Brock speaks to Cathal Dennehy, Aisling Moloney, Elaine Burke, Dr Harry Browne, Fergus Finlay and Dahlia Scheindlin Hosted on Acast. See acast.com/privacy for more information.

Ciara Doherty speaks to Jennifer Ewing, Dan Mulhall, Scott Lucas, Harry Browne, Benji Hyer, Nicole Brener-Schmitz and Tommy Rooney Hosted on Acast. See acast.com/privacy for more information.

Claire Brock speaks to Senator Martin Conway, Pearse Doherty, Elaine Loughlin, Michael McMahon, Caroline Malone, Harry Browne, Marion McKeone and Paul Johnston Hosted on Acast. See acast.com/privacy for more information.

Luis Alberto Iglesias llega para defender la nuestro ahorro e inversión y nos explica la estrategia de protección patrimonial de Harry Browne

Andrew For America presents a new and improved video episode replaying Andrew's fantastic conversation with former libertarian candidate for governor of New York, Mr. Larry Sharpe. They discuss podcasts being "the future of media," the importance of "trusted" sources of information, their military service, the perils of discovering the realities of this world, the two-party system, money in politics, the ability (or lack thereof) for third-party ballot/debate access, how voluntaryism works, modern leadership defined as voluntaryism, confusing capitalism with oligarchy, Robert Ringer, Harry Browne, Ayn Rand and objectivism, Ross Perot scaring the establishment, the need for more "David's" and less "Goliath's" in society, the importance of courage and perspective, the war on drugs, the difference between market forces vs. government forces, the spirit of America and how America has become its "father," the need for us all to "accept the challenge" with regard to finding common sense solutions to our problems regardless of partisanship, and a whole lot more! Andrew begins the show by sharing a clip from former CNN "news" anchor Chris Cuomo (who recently made some ridiculous public statements about Covid and Ivermectin) and from Dave Smith who recently stated that it is our job to educate others about how this world actually works. Shout out to Moral Bob! This episode is also available on Rumble!!! The song selection is the song, "Live Your Own Life" by the band Fourth In Line. Visit allegedlyrecords.com and check out all of the amazing punk rock artists! Visit soundcloud.com/andrewforamerica1984 to check out Andrew's music! Like and Follow The Politics & Punk Rock Podcast PLAYLIST on Spotify!!! Check it out here: https://open.spotify.com/playlist/1Y4rumioeqvHfaUgRnRxsy... politicsandpunkrockpodcast.com https://linktr.ee/andrewforamerica Watch and learn about these awesome offers for your survival needs from former Afghanistan war veteran, police officer, and citizen journalist, Mr. Teddy Daniels: Operation Blackout Survival Guide: ⁠⁠⁠⁠https://internalblackout.com/?a=683&c=434&s1=⁠⁠⁠⁠ Famine Fighter Survival Food Supply: ⁠⁠⁠⁠https://foodforthesoul.co/?a=683&c=407&s1=⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Final Famine Survival Food Growing Book: ⁠⁠⁠⁠https://finalfoodprepper.com/?a=683&c=433&s1=⁠⁠⁠⁠ Devils Dollar Currency Survival Book: ⁠⁠⁠⁠https://dbhtrkg.com/?a=683&c=468&s1=⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/andrew-foramerica/message Support this podcast: https://podcasters.spotify.com/pod/show/andrew-foramerica/support

Claire Brock talks to Senator Barry Ward, Peadar Tóibín TD, Louise Burne, Matthew Sadlier, Paul Davis, Harry Browne, Hannah McCarthy, Bob Mullholland, Mitch McCann and Karol Balfe. Hosted on Acast. See acast.com/privacy for more information.

 Bio    Rob is the co-founder of propertyhub.net and the bestselling author of The Price Of Money (Penguin). He co-presents the UK's most popular property podcast, and has a weekly column in The Sunday Times.   Interview Highlights 02:30 Jack of all trades 06:00 Recruiting interested people 07:45 Life as a digital nomad 10:50 Getting into property 12:00 Podcasting – the magic ingredients 17:40 Property investment 20:20 Long term vision 23:10 The Price of Money 26:00 Inflation & interest rates 31:00 Diversified portfolios 34:00 The end game 36:40 Seeking advice 39:40 Systemising property investments 42:30 Sharing strategic decisions 46:20 Goal setting 48:40 Parenting perspectives 59:20 Increasing your own earning power 1:02:40 Consume less, do more   Social Media ·         LinkedIn:  Rob Dix on LinkedIn ·         Instagram: Rob Dix on Instagram ·         Twitter: Rob Dix (@robdix) ·         Website:  Robdix.com ·         Website: propertyhub.net Books & Resources ·         The Price of Money: How to Prosper in a Financial World That's Rigged Against You, Rob Dix ·         How To Be A Landlord: The Definitive Guide to Letting and Managing Your Rental Property, Rob Dix ·         The Complete Guide to Property Investment: How to survive & thrive in the new world of buy-to-let, Rob Dix ·         Property Investment for Beginners, Rob Dix ·         100 Property Investment Tips: Learn from the experts and accelerate your success, Rob Dix, Rob Bence ·         Beyond the Bricks: The inside story of how 9 everyday investors found financial freedom through property, Rob Dix ·         The Property Podcast - YouTube ·         Die With Zero: Getting All You Can from Your Money and Your Life, Bill Perkins ·         How I Found Freedom in an Unfree World: A Handbook for Personal Liberty, Harry Browne ·         Outlive: The Science and Art of Longevity, Peter Attia, Bill Gifford ·         The Coming Wave, Mustafa Suleyman, Michael Bhaskar ·         The Exponential Age: How Accelerating Technology is Transforming Business, Politics and Society, Azeem Azhar   Episode Transcript Intro: Hello and welcome to the Agile Innovation Leaders podcast. I'm Ula Ojiaku. On this podcast I speak with world-class leaders and doers about themselves and a variety of topics spanning Agile, Lean Innovation, Business, Leadership and much more – with actionable takeaways for you the listener.  Ula Ojiaku    I'm pleased to have with me here as my guest, Rob Dix, who is the co-founder of Property Hub and he's also an author, investor, entrepreneur extraordinaire, and we'll be learning more about it. So Rob, thank you so much for making the time to be my guest on the Agile Innovation Leaders Podcast.   Rob Dix    It's a pleasure, thank you.   Ula Ojiaku  Yes. I usually start with this question for my guests because personally, I am curious. I love learning about people. So what would you say have shaped you, looking at your background, into the Rob Dix we know and admire today?    Rob Dix    Well, it's a well trodden career path. I studied cognitive neuroscience, went to work in the music industry, obviously, as you do. And then sort of ended up leaving that and going into property. None of that makes any sense, and I think that sort of sums up how I've got here, which is just by following my curiosity and doing whatever seemed like a good idea at the time, and so if something seemed interesting to me, I would do it. And property, which I got into by accident in my early thirties, was probably the first thing that I've really stuck with and it's held my interest for the long term. I'd always just sort of like, wanted to figure out how something works, once I knew how it works I got bored, moved on, but with property it's like you kind of never get to the end, there's so much to it, and then it's also served as a gateway into investing more generally and into economics, ended up writing this book about how the economy works and all this kind of thing, but it's the same old theme of just kind of going with whatever seems interesting.    Ula Ojiaku    A very fascinating background. It sounds to me, and I'm not trying to box you in or label you, but you sound like someone who's multi-passionate and multi-talented, would you call yourself a jack of all trades?    Rob Dix    Absolutely. Yeah. I've written an article actually, in defence of being a jack of all trades, because I think people fixate on the master of none bit, but I think that there's a lot to be said for knowing a little about a lot, and I think it's a natural tendency. I was saying to my wife the other day that I don't think I would be able to, if I had to like knuckle down and it's like if you just do this one thing for three years, then there'll be this incredible payoff at the end of it. I don't think I could do it, even knowing that that payoff was there. I'm just naturally a little bit of like, sort of taking bits from everywhere. So I don't think there's any point in fighting it. I think you kind of skew one way or the other, and so I'm trying to embrace that tendency and use that to pull in ideas from various places into what I'm doing now, and yeah, make the best of it rather than just being completely scattered.    Ula Ojiaku    I feel like I am the same. I tend to get bored with things, I learn things quickly and once I've learned it and it's kind of routine, I get bored, and the only way to keep consistent is just about broadening my horizons, so learning from different fields. I have an engineering background, but I love learning about philosophy, psychology, how can I bring ideas out there into the field? From all outward appearances, you are successful. So what would you say has been the benefit of being a jack of all trades and kind of understanding who you are, embracing it instead of fighting it? How has it benefited you?    Rob Dix    A good question. Not something I've thought about, but I'd say on a purely social level, knowing a little bit about a lot is helpful, because you can end up talking to pretty much anyone about anything, whatever they're interested in, you know something about it and have some kind of a way in, rather than just having your one topic that you can bore on about forever. And I think in general, it just means that I'm always excited to be doing whatever it is that I'm doing, there's never like a, urgh, I'm still in the grind, because even if, you know, everyone has grindy periods of their career, their business or whatever, and I don't think that's necessarily avoidable, which is how it goes. You can't be absolutely delighted with everything all the time, but even when that's happening, there's always something I'm excited about, even if it's just being able to watch a YouTube video about something that evening that I'm looking forward to, like learning about something completely random, there's always something that means that it just never feels mundane.    Ula Ojiaku    And actually what you've said here with the whole buzz about GenAI. Where are we going? How is it impacting us? And it kind of reminds me of the World Economic Forum, their Future of Work publications, they do this annually, and one of the key attributes that would be needed in whatever future roles or responsibilities that you're going to have, is the ability to learn and unlearn. So that curiosity, being able to look out, I think it's something that, well, I am trying to teach my children as well, which is yes, you can learn a subject, you can learn things in school, but what's going to sustain you and keep you relevant is going to be your ability to learn, unlearn, and relearn, so it's really key.    Rob Dix    Totally. When we're hiring people, we always look for people who are interested in something, whatever it is, it doesn't have to be work related, even if it's super weird, better if it's super weird, because people who are interested in something, and people who push themselves in some way and challenge themselves, whether that's in a physical way, like doing an ultra-marathon or just taking something and seeing how far they can push it, I think if you put those two things together, we've found, that those are the traits of the high performers who you want to have around.    Ula Ojiaku    Yes, because there's something in the bias of past performance, but it doesn't necessarily predict the future performance, but the attributes of being excited about something, being able to dig into something of one's own initiative, not relying on external motivators, that is a better predictor of future performance than what one did in the past. I don't know what you think about it?    Rob Dix    Yeah, totally, and that's why we put very little weight on a CV because you can bend your life story in all kinds of different ways, but yeah, I think those internal attributes, like you said, are a better predictor.    Ula Ojiaku    Hmm. Okay, well, I'm glad to hear I have someone who thinks similar in this path. So you did say, just back to your background again, which is fascinating. You studied cognitive neuroscience, then went into music, found that boring, you then lived as a digital nomad for seven years before falling into property. Can you tell us a bit more about that?    Rob Dix   Yeah, so that was another classic example of just doing whatever seems fun at the time, and so that was when I left the music industry, because I'd got to roundabout 30, and when you're into music, as a way to spend your twenties, fantastic, you get to claim it's work, but it's just, if you're out every night, then you're doing a really good job of work, but then I was looking at the people who were 10, 20 years ahead of me and had families and the rest of it and they just didn't seem to be having fun anymore. They didn't really want to be out every night doing all this stuff, and so I thought, well, I'll get out now, while I feel like I'm in a strong position to make a move, not knowing what I was going to do next.  My wife and I went to spend six months in New York, because she loved it, had lived there before, wanted to go back, so we were there and then we discovered, I can't remember how, but we discovered the whole digital nomad thing while we were there, and it was this real moment of, oh yeah, we planned to do six months here and then go back to London and get a job or start something or whatever, but we don't have to. You can just go and work from anywhere, anywhere you've got an internet connection, and now that's obviously mainstream, people work from home, companies have policies where you can go and work from another country, and it's normal, but as recently as sort of like pre-covid 2019 kind of time, I'd almost try to avoid telling people that I was abroad, because they'd think it was strange and whatever, but now it's just become normalised, but back then it was, yeah, it was weird, but it was just super cool, because it gave us an opportunity to just go and live in all kinds of different places, and when you go and live somewhere, even if it's only for a month to three months or something, it's still very different from going up there for a week's holiday. You get to feel like you know a place on a deeper level, and so that was really interesting.    Ula Ojiaku   Right. No, I completely agree. I mean, I wouldn't say I'm at the level you are at as being a digital nomad, but professionally, I've had the privilege of visiting 18 countries and counting and there is that real difference when you stay there for a month or so, being able to soak in the culture, understand the nuances, get to know people, and actually potentially form relationships. During the time you were with your wife in New York for about six months, did you by any chance come across Tim Ferriss' 4 Hour Workweek?    Rob Dix    Oh, of course.    Ula Ojiaku    Could that have influenced you as well, by any chance?    Rob Dix    Yeah, I think that was before we left, and so that was kind of like the conceptual read about it in a book, but then we encountered real people who we met, who we talked to, who were doing it. And so it's like, oh, this isn't just a thing in a book, this is a thing that people are actually doing, and that made it a bit more real, I suppose.    Ula Ojiaku    And then you fell into a property. Could you tell us how you fell?    Rob Dix   Yeah. So by the time I left music, I sort of got to the point where I had some savings.  What's the default UK thing you do when you've got some savings? It's by property. So, I got interested in it and in the process of researching that investment, I just got super into it, and I suppose in the same way as I, and by the sounds of it, you, get into things, it's something new, it's exciting, you want to learn everything there is to learn about it, and there were, back in those days, there weren't all the same resources there are now, but there were message boards that I'd read through and things like that, and so I did all that in the process of buying my first couple of investments, but then, where that would normally I'd hit that point, right onto the next thing now, that never happened, I've retained that interest, and while we were abroad, I thought I want to learn more about this, I want to go deeper, but don't really know how, it's not like I want to go and get a job working property or anything, but I also got interested in podcasts, and so I thought well, I wonder how you create a podcast, and so I started a podcast and a blog talking about property, mainly as an excuse to get other people to talk to me. So if I just call someone and say, I don't really know anything, but would you have a chat with me on property for an hour, of course they're not going to say yes, but if you say it's an interview, and they don't think to ask if anyone listens to this thing, then they're going to say yes, and they did, and so, then it was episode number two or three of that that I recorded, where I met Rob Bence, who went on to become my business partner, and we've been doing a podcast together for about ten years now, but it was purely that. It was just, again, starting something without really knowing what the outcome of it was supposed to be, that then led to this whole career that was never the plan at all.    Ula Ojiaku    You know, the reason why I was laughing is it's similar story, but just different settings. I started my podcast, I was looking to get into a different field or career, and I quite didn't know how, and there was someone I wanted to work with, like you said, just rocking up to the person and saying, give me a job because I'm good, the person probably wouldn't have given me the time of the day, but when I now thought about it, framed it, kind of said, okay, how do I plot my cunning plan, I'll invite him for an interview and I'll say it's about this, I didn't know anything about podcasts, I didn't know how to set it up or anything, I just said well when we get to that bridge we'd cross it. So we had the interview, had conversations, and once I pressed stop on the recording, he said, I want you to work with us.    Rob Dix    Works every time.    Ula Ojiaku    But it's impressive though. 10 years, you and your partner have consistently been recording and releasing your podcast, how do you do this, because it's impressive.    Rob Dix    So I think there are two magic ingredients to this. One is to record at seven o'clock on a Monday morning, because there's not much that's going to stop you. If you try to do it at midday on a Wednesday, who knows what kind of business thing would come up or whatever, so doing that means it just happens. And the other is having a partner, because we both had podcasts previously on our own where the upload schedule was all over the place, because being consistent on your own is so hard, but when there's the accountability of someone else to turn up we just, I guess in those early days when you could easily waver, we were both turning up for each other, and now we've been doing it so long that it's just something you do. It's just inconceivable that you wouldn't turn up and do a podcast, and it's a lot of fun, and so I wouldn't want to miss a week. So yeah, we put out a podcast literally every week for 10 years, including through the births of various children and other family events, and we had episodes go out on Christmas day and New Year's day, not recorded on those days, but we put them out because it's like, it's a Thursday, the podcast comes out, that's how it is, and I think a large amount of the success that we've had has been early mover advantage. We were lucky to be early, definitely far harder today, but also consistency.    Ula Ojiaku    And would you say that you have some sort of administrative help in the background? Because I found that, two years ago I hired an assistant and I have outsourced like the production, it's not my strength, just having people to do that. Do you have that sort of help and has that made any difference?    Rob Dix    It's definitely helped. So we had an editor from the very beginning who would literally just take the files, take out the mistakes and that was it, nothing super high end, but it's just removed another barrier to doing it, and then for probably the last four years or something, we've had a proper producer who sits on the calls with us and does some research and all the rest of it, so there's a bit more to it, but we were doing it for six years before that, but being able to focus on the bit that you're good at and that you enjoy and remove all the stuff around it. I mean, I think I know people who are very successful, who've been doing it for a very long time who still edit their own audio. I don't quite understand it, but they clearly they get something from it. Maybe going back and reviewing the material is helpful to them, but for me that would take it out of the fun zone, I suppose.    Ula Ojiaku    So what have you learned in these 10 years of hosting the Property Podcast with Rob Bence and being in partnership in business with him?    Rob Dix    Well I've learnt an incredible amount, and I think a lot of that learning comes from being forced to talk about it, I think really helps, because I think everyone's learning stuff all the time, but it's very easy to learn stuff, but not be able to, and maybe you internalise it, but you can't verbalise it because you never have, and I like writing because that's how I kind of help develop ideas, but I also develop ideas in conversation, and because I'm forced to take those ideas and put them into a form that other people can understand on the podcast, it means that I've learned a whole lot more than I otherwise would have done because it's just made me it think about things more deeply, I suppose. So that process has been incredibly useful.    Ula Ojiaku    What have you learned about property?    Rob Dix   I think that my view on property has completely shifted over the years. I think I started from the position that most other people start in, which is not wrong, but it's that you sort of see  property as something that, you're looking at it at the level of the property itself, it's all about that particular asset. You're very fixated on the precise layout of that property, location of that property, you're thinking very deeply about that itself, and you're thinking about the rent that it brings in and it makes you a profit and that's great, and none of that is wrong at all, but through being exposed to property at, I suppose, a larger scale and also thinking about the economy a lot more, and how everything fits together, I now think about property not so much at the individual property level, but at the sort of the macro level of well, what is this, what is this as an asset class, where does it fit into everything, where does the ability to buy with debt fit into it, which is a huge, huge thing, and what about the growth of that asset over time, as opposed to just the rental income? So I've kind of gone from one extreme, which is where the majority of people will start, where you're doing everything yourself, you're thinking very hard about what colour paint to use or whatever, to now I'm like the last, however many properties I've bought, I've never seen, I just haven't visited them, I want to make sure it's good, but I'm not fixated on every last detail of it, because I'm more thinking about, well, you know, taking into account the overall economic context, where will this asset be in 10 years, and if I think that's a good place, then the colour you painted the living room doesn't make a big difference in that investment case. So I think I've now ended up at an extreme version of the other end, but being somewhere towards the middle of that spectrum, rather than just looking at the individual property level, I think is helpful. So we try to take people somewhere along that journey through what we do on the podcast.    Ula Ojiaku   And on your podcast, the thing about you and Rob Bence, or Rob B as he is fondly referred to, is that you have this unusual quality or ability to break down typically complex topics into simple step by step, easy to follow concepts. I aspire to communicate like you both do. So  what's your take on the taking a bigger picture approach towards property, kind of looking at your purchase of properties as from a perspective of how they can serve a longer term goal or a bigger vision?    Rob Dix    Yeah, I've come to see property as very much a long term thing and property, it kind of forces you to be long term, because it's such a pain to buy and sell it, and that's one of the drawbacks of property, but I think it's actually one of the hidden advantages, because you could pick any asset class and if you just bought it, held on to it, and didn't mess around with it, then you'd probably do okay, but obviously if you're investing in the stock market, then it's incredibly easy to mess around, like sell when you panic and sell when you shouldn't be, and buy when you shouldn't be, and get carried away, and so you can almost be your own worst enemy. With property, it forces you to think long term, and when you take that perspective, but especially when you consider the fact that if you're buying with debt, then the value of your debt stays static and yet inflation will lift the value of the property itself, so even if property only ever goes up in line with inflation, but your debt is static, then you end up winning just through the natural process of inflation existing. So that makes no difference over a year or two, but over a decade, it makes a big difference. So when you start looking at it through that lens, then you say, oh, well, it's almost rigged in my favour and it's almost, and it's going to play out in this way, and so the details don't matter so much. If you're trying to make money from property, if it's your job, you're flipping properties or you're refurbishing and you want to pull your money back out again, then you need to get everything right, and you need everything to go in your favour and need that to happen quickly, and you can do that. It's hard work, but you can do it, but if, rather than using property to make money, you're using property to store and compound wealth over time, then it just works in such a way that you don't have to worry about so many of the things that you normally would, and you'd have to, after you've been doing it for a decade, you see it and you go, oh yeah, I bought the property for this much, and now it's worth this much, I had 25 percent equity in the property, now I've got 50 percent equity in the property, and you see it. It's hard to see for the first couple of years because it happened so slowly, but then when you believe it happened and you see it happening, then it gets really exciting.    Ula Ojiaku    Gosh, I could take this to several directions, but I will hold myself. So your book, the latest one, I know you're in the process of putting together another one, and I know it's going to be excellent, and of course, if you'd like to tell us about it later on, you can, but in your book, you did mention the thing about inflation, and it's not intuitive, but that's property holding, the value, but I was kind of thinking of the gold standards, because gold, if you were to buy property back then, maybe 50 years ago, 100 years ago, paying in gold, you would probably more or less, you need the same amount of gold to pay today, but it's not the same with fiat currency, like the paper money. Could you explain a bit more about that?    Rob Dix    Yeah, inflation, it's another one of those things that happens slowly. So, obviously, over recent years, everyone's been talking about inflation, and it's been particularly high, but most of the time it's not, and it's not supposed to be, there's this 2 percent target, which is pretty arbitrary, but it's meant to be at a level where you don't notice it happening, no one complains about it that much, but over time, that 2 percent compounding really adds up. So even if inflation were under control, the effect of this is that the same number of pounds or dollars or whatever else will buy you progressively less and less over time, and everyone knows this, but doesn't think about it, in that you're used to the fact that everything costs more now than when you were a child, but why, that doesn't make any sense. If anything, it should have got cheaper, because we found more efficient ways of producing whatever it is, but you're just used to that being the case, and it's not because it has got more expensive to produce everything, it's because the value of the money that you're measuring it in has fallen, and that's what inflation effectively is. So where it comes back to gold is that everyone thinks that property is this asset class that's had runaway growth, but it's incredible, if you go back to the 70s, and you measure it in gold instead of in pounds, then it's pretty much the same. It would take you the same amount of gold to buy a house today as it would have done 50 years ago, and that shows you that it's because, it's not like gold has stayed completely still, so the analogy is not perfect, but what it kind of drives at is that it's not the property that's moved, it's the pound that's moved, that hasn't gone up in value, the pound's fallen in value, and so that's just, so if you own a hard asset, something that there's a limited supply of, of which gold is one, property is another, Bitcoin's a third if you're that way inclined, then over time, that will go up in value compared to the pounds that is shrinking. The next level of that is that if you buy that asset with leverage, with debt, then it means that the debt is measured in pounds, and so over time it has this effect that you might have borrowed £100,000, and 50 years ago, £100,000 would have been a vast amount of money. Now it's just like, yeah, I'll take out a mortgage for that, no big deal, and then another 50 years, well, what's it going to be then? It's going to be not quite pocket change, but getting on for it, and so you get to benefit from the fact that like I say, even if the asset that you own, the property in this case, only goes up at the same pace as everything else, then you win, because the debt that you took out is static. So you could have a property that you bought for £200,000, it goes up to be worth £300,000 purely because of inflation, well that extra £100,000, that's all yours, you still own the same as you did in the first place.    Ula Ojiaku    So is it despite the interest rates, would you say the inflation still, would there be a point in time where it wouldn't make sense?    Rob Dix   It's a great question and it's actually got better now interest rates have normalised because if you could take out a fixed rate mortgage for the entire time that you're going to own the property, which in America you pretty much can, then it's all good, because you know exactly what your outgoing is going to be, and if you're making a monthly profit from that property, then your interest cost is kind of irrelevant, it's been covered by the rent, so the interest that you're paying is never coming out of your own pocket. So that's like, great, sorted. The problem is if interest rates go up dramatically, which of course recently they have, which means that if you bought something that made sense when you're borrowing at 2 percent and now you're borrowing at 5 percent, that can be a painful adjustment, and eventually rents will increase to such an extent that it'll all make sense again, but there could be a number of years in the middle where it just doesn't really work for you, but for the whole time, the whole 14 years, the interest rates were pretty much nothing. We knew that that was unusual, we knew that wasn't supposed to be the case, and one day they would go up again. We didn't expect them to go back up to where they were so quickly, but we knew it was going to happen at some point, and so that made it tricky to go, okay, well, how much of a margin do I need to build into my calculations? What do I need to assume that interest rates could go up to, that'll still be okay, but now it's happened, let's say that you're borrowing at 5 percent today, I'm not saying it's not going to go up further at some point, it could do, it could go up to 6 percent, but interest rates have gone up by about 250 percent over the last couple of years, that's not going to happen again. If you're borrowing at 5 percent today, it's not going to go up to 10 percent. Come back and clip this if it happens and make me look silly, but it's not going to happen, because the world is so indebted that everything will fall apart. So you still need to have a margin, but it's not the same as it was before.  So that's the silver lining view on the fact that interest rates have gone up so fast. It's a painful adjustment, but it means that you can make future decisions with more certainty.    Ula Ojiaku    Is that why you made the statement that investing can be seen as a leveraged bet on inflation?    Rob Dix    Yeah. So the simple way of describing this is if inflation lifts the value of your asset, whatever that asset is, property in this case, by 2 percent a year, which is what inflation is supposed to be, if you've only put in a quarter of the money, then that means that it lifts the value of the money that you've put in by 8 percent, so you're getting an 8 percent growth on your own money based on just inflation being at the rate it was supposed to be, and the way it tends to play out, as we've seen, is that if inflation overshoots, then you say you get more inflation than you're supposed to, yeah, that's not great as a central bank, you'll try and bring it back down, but it's not the end of the world, whereas if inflation goes below 2 percent, they'll pull out all the stops, print money, slash interest rates, do everything they can to get it back up. So the effective rate is, the average over the last 20 years has been 3.8, and it's met, and so even though the target is two, so if that's the case, and your asset keeps up with that, then again, multiply by four, if you put in a quarter of the money, and that's where you get to, and the only assumption you need to make is that inflation continues to exist, and of course it is because it has to, because it's explicit policy, and if you ended up with deflation, then the government is in the same position that you are as an individual, the government has debt and an inflation makes it that more manageable, deflation would make it less manageable. It's still barely manageable as it is, so it just can't be allowed to happen. So that's why if you're pinning your investment on one particular concept, that's the one I'd feel pretty confident about.    Ula Ojiaku    You are an advocate for a having a diversified portfolio. Could you explain or share how you go about doing that and why it's important?    Rob Dix    Yeah, I think that everyone will have their own view when it comes to how much diversification they want or need, and there is an argument that if you deeply understand something, then there's almost more safety in investing 100 percent in something you deeply understand that most people either don't, then sort of diversify across a whole load of things that you don't understand. I've got some sympathy for that view. If someone said to me that they were 100 percent in property on the basis that they had all the right safety measures in place, they weren't over leveraged, they had emergency funds, all this kind of stuff, then I wouldn't be like, you're crazy, and I think it's also, to a large extent, the best investment is the one that you actually make. People are scared of investing in things that they don't understand in many cases, rightfully so. So if there's a particular investment that you're happy with, and it means that the alternative would be doing nothing, then that's fine, but personally, I'm heavily in property, but I also invest in other assets, stocks, bonds, gold, Bitcoin, you name it, but I sort of split my portfolio in two in terms of the way I think about it. I've got property, which is the bit that I'm supposed to know about, and so I'm kind of, I'm not actively making decisions. Everything else I'm going, well, I can't possibly know about all this other stuff as well, it's not possible, there's not enough time. So I split my non property part of my portfolio across everything, on the basis that whatever happens, there'll be times when bits of it are doing well, bits of it are not doing well, and it will all average itself out in the end, and so the important bit there is being truly diversified, because investing in just the UK stock market, if you're just tracking the FTSE 100, you might think, well, great, I'm diversified across a hundred companies, but it's all one geography, right, and if something happens to the country, that affects everything, and it's just one asset class, it's just the stock market. If something affects all stocks, then that affects, so even just being globally diversified across stocks isn't enough, so you need to bring other assets into the mix as well, you want some things that are doing well when other things are doing poorly. So if you're going to go for diversification, then I think most people need to be more diversified than they might assume, because there are times when stock markets across the world all do very, very badly and do for a long time, at which point you want to be owning something else as well.    Ula Ojiaku   I believe I've heard you and Rob Bence (that is, Rob B.) say this, you know, in several of your episodes of your podcast, it's all about your end game, because  it's senseless to go copying people or imitating people indefinitely without knowing the rationale behind why they're doing what they're doing. So if one has that clarity of, this is where I want to be in 10 years, 20 years time, then you work backwards. It might make sense, given the example you gave us, oh, maybe someone having 100 percent of their investments in property, but they have all the stop gaps and the safety measures in place and yourself going into, okay, I have part of my assets in property, but I've also diversified, I think it's all about the end game.    Rob Dix    I think that that's completely true, and it's also the hardest thing to figure out. You can go and research investments for all day long, but then knowing what you actually want is, that's hard, the self-knowledge piece of being able to predict the future and knowing how you'd react to different situations. I think it's very easy to, for example, go oh yeah, well, you know, I'm investing for the long term, so if my aggressive stock market portfolio goes down by 50 percent in a year, that's fine because I know it'll come back again. All right, but how would you really feel if that happened, and actually knowing that in advance is not an easy thing to do.    Ula Ojiaku   So for someone like me, it's not just about me, having children changes your perspective about things, because if it's just me personally, I think I can survive on beans and toast indefinitely, but when you have people you're responsible for, so some of the things I aspire to is for them to still be able to work and do meaningful work and add value, but not to be distracted by unnecessary things. So if it's music or art they want to major in, they can do that, but they have to be productive and bring value to the world through it, and not have to think about the money, but not too much that they wouldn't also know the value of work.  So that's the sort of end goal I am working towards, and of course, to be able to give to causes and create opportunities for people or demographics that are underserved or that typically wouldn't have the sort of opportunities compared to their contemporaries would, so that kind of drives me in terms of the way I choose things. So I'm wondering, though, where does going for expert advice come in? So you are an expert in property by all ramifications. If you talk about the number of hours you've put into it, the practical experience, but for the other parts that you don't have as much hours invested into it or experience, do you think it's a useful thing to seek out the advice and perspective of experts or people who know more about it, but of course keeping your end goal in mind?    Rob Dix    Yeah, I think that I'm unhelpfully independent in that I always want to do things myself, and that's not necessarily the best way. I think it's a good idea to bring in other people with more knowledge than you do, but with two things in mind, and you've mentioned both of these already, but first is knowing what you ultimately want, because any decent advisor is going to start by saying, so what do you want? I can't make a plan for you unless you tell me what the outcome is, and so you need to know that anyway. And then also I think having enough knowledge on your own to understand what you're being told and why you're being told it, and if it makes any sense, and I would personally never be comfortable making an investment, just because somebody with lots of diplomas on the wall or something said to me, I said, yeah, this is what you should be doing, trust me, it works for all my clients. Maybe they're right, but I just wouldn't be able to do it that way, so I think doing enough research and understanding enough about it is something that everyone should do, because no one's going to care about your money more than you do, but that doesn't mean you have to just plough ahead and do everything yourself.    Ula Ojiaku    No, definitely that critical thinking and not switching off your own thinking and analysis and doing one's homework, I completely agree. How much of it do you do when you consider investing in these other set classes?    Rob Dix    I've spoken one-on-one with professionals, but never got to a point where I feel like I want anyone to do anything for me. I feel like I'm investing in such a way that I can do it myself, because there's not much to do, I've deliberately set it up in a way where you just, again, diversify and leave it, but outside the context of speaking to people one on one, I've read vast amounts of other people's thinking on this topic because it's something that I find interesting, and so what I'm trying to do with my books is to come up with something for people who aren't that interested, so they can just read that one book and get sort of like the 80-20 of what they need, because I'm going to go deeper on it because it's fun for me, but I'm not judging, not everyone finds it fun, that is fine, and so yeah, I kind of researched it, all this stuff, but far beyond the point that I need to almost as a hobby, because it's enjoyable, but for everyone else, I don't think you need to take it to that kind of extreme at all.    Ula Ojiaku    Thanks for that, Rob, and it kind of brings me back to the point you made about, you've kind of systemised your, will I say your business, your work, your life, such that you spend less than an hour a week on your portfolio. Can you share the thinking behind it and how did you get to this?    Rob Dix    Yeah, so this is specifically to my property investments and so there's, I'd say three elements to this, and the real secret is in the third one. So the first is in the strategy. So it's a hands off approach. You buy something, you rent it out, you leave it, that's it, so there shouldn't be much to do. The second is, it's about the type of asset you buy. So if my goal is to be in it for a long time, all I want is for time to pass, then I don't want property that's going to be a hassle, because then it's going to take up my time, I'm probably going to give up on the whole thing and sell just out of annoyance, and so I'm buying assets deliberately that are relatively new so they don't need loads of stuff doing to them, and that's quality stuff so I can be very selective about the tenants that we put in there, so they're going to look after it and stay for the long term, and I've got properties where I've had tenants in there for five years, possibly more. It's like, well, that's the dream, that's fantastic. Then the third thing, which is the real secret is having a PA, because that then is like, okay, well, obviously of a portfolio of any size, even if you're using letting agents, things will happen, things will come up, things will need your decision, mortgages will need to be applied for things, just stuff will happen, and so having a PA to handle all that is just incredible because this whole, it's actually an hour a month, I think I put an hour a week, but it's an hour a month, and I tracked this to make sure that I was actually telling the truth, and I am, I tracked my time for a few months, and the only things that I did were transfer funds, sign things and occasionally answer a WhatsApp message from my PA saying, are you okay with me doing this, and that was it, and it's like, that's a position that you can't be at from day one, because it's not worth having the overhead of having that in place if you've just got one or two properties, but when you get to a bit more scale, that's the benefit of getting to scale, because you can put in place things like that that just make life so much easier.    Ula Ojiaku    Well, I definitely aspire to that. You say you run an open book management and profits share. Could you tell us what do you mean by that?    Rob Dix    Yeah, so this is something that we only started doing very recently, within the last six months at the time of recording and what we'd always had previously, so we've got a team of across the business, can I say somewhere between 30 and 40 people, I'm not quite sure, I should probably know that, but we've always had, like before, an executive team at the top, made up of maybe five, six people, and they would have access to the financials, the numbers, so they'd make all the strategic decisions off the back of that, and then go back to everyone else and say, right, this is it, this is how we're going to execute on it. The change that we made was that we gave access to all the financial numbers and everything to the entire business, and the benefit of that is that everyone can then be a part of those strategic decisions, because everyone, of course, knows their own area better than anyone higher up in the business does, because they're in it day to day, and so if they can see the numbers and how what they do can affect those, they can propose better ideas, they could act more effectively. We've had multiple, multiple instances, even just within those six months, of individuals coming up with ideas for people, things we could do better, things we could do cheaper, like cost cutting, and this is the other part of it, because the profit share element means that everyone's extra motivated to run the business better, because they directly benefit. And I thought that the benefit would be there in the longer term, I thought in the short term, it could actually be disruptive because you're almost distracting people from the day to day with all this other stuff, and it's a lot to take in if you don't come from a business background, you're not necessarily going to understand what EBITDA is or something, but now, actually, there was very little of that and we started seeing the benefit immediately. So, I'm not going to say I wish we did it sooner, because I think you need to have a certain type of maturity of team to be able to deal with that, we haven't always, and you need to have the business in a certain state to do that, but I'm very glad that we've done it now.    Ula Ojiaku    Hmm. And when you say you need to get to a certain level of maturity and state, is it more about having operational systems in place or something else?    Rob Dix    I think it's a couple of different things. I think the business needs to be in some form of stability or steady state in that if you're still trying to find your model, you're doing like a startup where you need to get the product market fit or whatever, you can't be led by financial numbers in the same way, you'll be led by data, but it's a different way, running lots of experiments, it's a different thing so you need to get the business to a certain point, and I think there's also a maturity of the people involved, and that's not an age thing with maturity, we've got very, very young people in our business who are sort of super mature. It's just an attitude. We've developed the team over time. We've got better at hiring. We've got better at finding brilliant people and holding onto them, and so we've now ended up with a team that is in age range all over the place, but in attitude wise, very mature and able to, I suppose, deal with this information and treat it the right way. I suppose the stereotypical negative view on this is you're talking about numbers in the millions, and someone's sitting there going, well, I'm only getting paid 40 grand, this isn't fair, but you've got to understand revenue and profit, not the same thing, and all this kind of stuff, and so there needs to be, yeah, you have to have the right mindset to really get it, I suppose.    Ula Ojiaku    Understood, it makes sense. And the thing about you saying, okay, opening up the financial information across the board to your employees, it aligns with this lean agile concept of decentralising the decision making and kind of bringing that decision making closer to people who are actually doing the work. Of course, there would be guardrails, and I'm sure you have that, so that that's a great concept. So how do you go about setting goals business wise, or you can start with personally and then business wise, because it's kind of ties into opening up the numbers to your team and then coming up with ideas, but how do you set goals generally, and how do you measure if you're achieving those outcomes you set out to?    Rob Dix    So I'll start with business wise, because I think it's easier, in that we, in the past, I think we've been guilty, and this comes from the top, it's me and Rob, we've been guilty of biting off too much, trying to do everything that seems like we could do it, and because the podcast has done so well and lots of other things have worked well for us, we've had situations where we could do a lot of things, I think we've had to learn that could do and should do are not the same thing, and there's only so much you can do a really great job at. So we've now got to a point where I think as we've matured as individuals as well, we just set goals that are based around growth, but not crazy growth, not hyper growth, and whenever you've got a financial number, you're balancing it with a service number, so you're not always just going for profit at the cost of anything else, and setting goals that are a stretch, but achievable. So we've again, made the mistake in the past, having super bold goals, which sound motivational, but then when you get half the way through the year, you go, there's no way we're going to do this, then it's actually demotivating for people. That's the business side, on the personal side it's not that different, we can come back to the jack of all trades thing, probably think about goals in the context of different areas of life. So I'm looking at all the different roles that I have and trying to have a, not just having business goals, but having fitness goals and family goals and friend goals and all that sort of thing, and trying to find some kind of balance, and again, I don't know if that's for everyone, I don't know if it's for every stage in life, I'm sure there'll be times when it makes sense to have a complete focus on your business so you can get to a certain point, or have a complete focus on your family and then go back to the business stuff later. There'll be times when that's the right thing to do, but for me, I'm in a position where I can and I want to sort of have a balance across everything.    Ula Ojiaku    And how would you say parenting has changed your perspective, comparing life without children and now?    Rob Dix    That's a really interesting question. I think it's shifted my focus in a way that before, because I enjoy work and things that seem like they could be work, you could argue whether they are at all, so doing more research on something or whatever, it's like, yeah, this is work but is it really work, so there was a tendency for that to just dominate everything, especially because I wanted to achieve, and so I just wanted to work all the way up till bedtime or whatever, because it was kind of fun and I'd tell myself it was necessary. But then when you have to finish at a certain time and you want to finish at a certain time because you want to see your kids, then it means I'm making a far more efficient use of the time that I put in, so in terms of a productivity hack, I think it's a good one, but also I think it's all the stereotypical stuff about being less selfish and more outwardly focused, I think I've become a lot more empathetic. I think I was possibly not massively deficient, but a little bit deficient in that regard before, and it's given me more empathy in general. And again, with the stereotypes, just kind of realising what really matters, and so whenever there's a business setback or challenge or whatever, it's just like, yeah, okay, but it's not the end of the world, is it, still with your family, it's all good, we'll deal with it.    Ula Ojiaku    Puts things in perspective, doesn't it?    Rob Dix    It does, and yeah, that's not an original insight, but it's completely true. So whenever you hear people saying this stuff before you're a parent, it's like, yeah, well, I don't know, maybe, maybe not, I don't know if that would be that way for me, but I didn't feel ready in the same way that, I don't know, some people I think know that they want to be parents or whatever. I probably waited a bit too long because I never felt ready, but then there comes a point where you just, you have to be ready, biology isn't going to wait, and so it's like, ah, yeah, I kind of thought everyone talks about all this stuff, is this going to be true for me? Surely not. But then it was. So there you go.   Ula Ojiaku  Well, thanks for sharing that. It's always a life changing decision, and I don't think it's an original thought, but parenting is like the job you get, and then you can get the experience afterwards. That goes against the natural law of things, at least you, you should have some sort of experience and proof that you're qualified, but parenting, being a parent is something that you typically get it and you learn on the job.    Rob Dix    Yeah. Well we had babysitters and stuff from when our kids were quite young and some of my friends would say like, oh, are you comfortable leaving them with babysitters? Are you kidding me? They actually know about this, I don't have a clue what I'm doing, they're far safer with them than with me.    Ula Ojiaku   I remember having my first child in the hospital, was one day and they were like, okay, yeah, now you can pack the baby and you're ready to go, and I'm like, what, and my husband then, and we're like, what, I mean, you're letting us go with this baby home? Okay. Yeah. Well, 13 years on, he still lives, so I think there's something to say about that. Well, it's been great. So what if we shift gears a bit more and then going to books, it's obvious you're an avid reader, learner, and what books have you found yourself recommending to others? I mean, apart from your very thoughtfully written book, The Price of Money, I can't recommend it enough. You break down economic concepts and kind of bring the whole big picture in, so it's something I've enjoyed going through and I will be referring to again and again, and you've also written books on property, like How to be a Landlord, which I have on my Kindle and others. Are there books that you found yourself recommending or gifting to others, and if so, can you share some of these?   Rob Dix Yeah, well, the thing about parenting, as you'll know, is it reduces your time for reading, so I've read far fewer books over the last six years than I had done previously. I find myself listening to a lot more podcasts than watching YouTube videos and stuff, but in terms of books, the one that I can mention that's made a real impact on me in recent years is called Die With Zero by Bill Perkins, and it really ties back into this whole goal setting slash knowing yourself slash what's the point of it all, and it's very relevant to investing as well, because the basic thesis is that you're always swapping something for money. So you're giving up your time, you're giving up your life energy, your focus, you're swapping something to get money, so if you live the ideal life, then you should be swapping enough of that to get all the money you want, to do to have all the experiences you want to have, and then die with zero. So you have nothing left to do, which means you've got it exactly perfectly right, but what most people do is they get fixated on the money part and always chasing a bigger number, so you end up passing on far more than you need to, dying with all this money in the bank, but you've missed out on having experiences, and there are some experiences you could only have in your 20s. So people talk a lot about how important it is to save from a young age and the compound interest and all the rest of it, and it's true, but it's got to be balanced against the fact that there are some experiences that you'll look back on fondly, later in life, that you can only have in your 20s. You wouldn't want to go clubbing in your 60s, or maybe you would, but I doubt I will, I wouldn't want to do it now, so that book, it's another one of those where it's super obvious when it's put to you in the right way, but he does such a great job of making that idea really connect, and I've made changes as a result of reading this book, and for me, that's the mark of a good self help book, right, does it actually help you?    Ula Ojiaku    The action, what action do you take afterwards? It's not just about, yeah, it's a good idea, I feel good, no action. Wow. Okay. It's definitely on my to read or listen to lists. What other book would you recommend?    Rob Dix   I've got another weird one, which is called How I Found Freedom in an Unfree World (Harry Browne), it's another of these books that kind of make you question your assumptions, I suppose, and the theme of it is about kind of doing what you want to and not doing things purely for other people, and this book does take it to extremes at points, it takes it further than I'd want to, but the point is often, I think people find themselves holding them back or limiting themselves based on either what other people think or what they assume other people want, and often it's just that other people don't really care that much, so you just do what you want to do, and so it's another one of those that gets you thinking in a different way.    Ula Ojiaku    Thanks for sharing, anything else?    Rob Dix   There's a book called Outlive by Dr. Peter Attia. It's about health and fitness, but it's coming at it from the perspective of what do you want to be able to do in the last decade of your life, well do it. So a lot of people, because of modern medicine, can live for a long time, but the quality of life in the last 10 or even more years is pretty shocking. So what do you want to be able to do, and if you get clear about what you want to be able to do, like you want to be able to pick up your grandkids and go for a long walk and all this kind of stuff, then work back from that to what you need to be able to do now, because there's going to be a drop off in terms of what you need to be able to do. So if you want to be able to walk a mile when you're 80, you need to be able to walk a lot more than a mile now I think from looking at it from that way, I found it very motivational compared to, well, yeah, it'd be nice to be able to have a bit more muscle or run a bit faster or whatever, but does it really matter that much, and I've found that quite eye opening.    Ula Ojiaku   Okay, well, and the thing about what you said about the book, Outlive, I haven't read any of the three books you've recommended yet, but I'm going to put them in my to-read list. There is this one I'm currently listening to, which is The Coming Wave by Mustafa Suleyman. It's really talking about technology and he was one of the people that founded what's now the AI arm of Google, but talking about the intersection of AI with biotechnology and the sorts of advancements that this is going to push us into new frontiers, but kind of going back to what you said about thinking about in old age, what would you like to be able to do? The advancement is such that they are looking into how to defer aging, keep us fitter, longer, have a better quality of life, even in old age, and probably pushing our life expectancy even more, but there is that danger as well economically, because it's only those who have that certain level of affluence, or are comfortably financially that probably will be able to afford that, and those who don't the gap would widen. So it's just, you're mentioning it reminded me of the book and just halfway through, but if you've not read it, that is probably something that you might want to look into as well. That's my recommendation.    Rob Dix   Similar to that, that's reminded me of a book by Azeem Azhar called The Exponential Age, which I must admit I haven't actually read, but I interviewed him, so I watched loads of interviews with him in preparation for that, so I feel I've got the general idea, but that's about the accelerating pace of technology and even things like with 3D printing being a great example, like when that first came out, it was rubbish for years, and it was, ah, this will never turn into anything, and then they cracked it, and now it's incredible, and so many more technologies like that and the exciting side of that and the opportunities it brings, but as you highlighted, some of the dangers of that as well, and the challenges that it creates, so that's really interesting.    Ula Ojiaku    Yeah. Well, thanks for that. Any words of advice for the audience? Now, my audience are typically leaders in organisations, you know, entrepreneurs or leaders in large organisations who are usually looking for ideas of how to do better, implement better or live better, so generally, what would you leave the audience with?    Rob Dix    I think I'd hit on a point that I didn't mention earlier, but should have done when it comes to talking about investing and all the rest of it, which is a point that I'm going to be making in my next book, which is that all this investing stuff is great, but the most powerful thing that you have is your own earning power, because there's only so much you can save, based on how much you're earning - you can cut your costs, that's fantastic, but there's a limit, you can't live on zero. There's also a limit to what investments are going to do for you. You're not going to be able to make 100 percent returns every year forever, not possible, but the only thing that is uncapped is your earning power, so you can, if there's nothing stopping you from earning 10 times more than you are now, a hundred times more than you are now, I'm not saying everyone can, but it's theoretically possible, and so I think everyone gets very excited about investing, because it sounds like, oh yeah, I can invest in this thing and make a big return, but the only thing that you can really make a difference with, and the thing that you actually have control over, is your own earning power. So I think that's something that, although I talk about investing a lot, I think investing in learning new skills, taking a conscious approach to your career, I'm sure your audience will be doing this already, but really taking control of your career progression rather than just kind of like bumping along and hoping someone gives you a pay rise or something, that's far more valuable than any investment you can make, and finding something that you want to do, and will enjoy doing for a long time, because people are retiring later than ever, it's getting harder and harder, you're not going to be by default, get to age 65 and have your house paid off and have this pension that's been paid into for you. So obviously you want to do what you can investment wise to get to a point where you are able to retire when you want to, if you want to, but far better to never want to retire, and so if you just find something that you just love doing, so you can just happily, as long as your health permits, do it forever.    Ula Ojiaku    Wow. Increase your earning power, there's no cap to that. I am looking forward to your new book, definitely. Do you have any idea of when that is likely to hit the shelves?    Rob Dix    My publisher's been asking the same thing.    Ula Ojiaku    Okay. Well, no pressure, he or she didn't pay me, but I'm just wondering.    Rob Dix    At some point in 2025, these things I've got the write the thing first, but then even after that, it takes a while until it comes out, but yeah, at some point in 2025 is my hope.    Ula Ojiaku    All the best with the process, I know it's going to be something excellent, and I look forward to it coming out. So how can the audience find you?    Rob Dix    So they could go to robdix.com, that's where you'll find stuff I've written and links to everything else that I do, and there are links there to my social channels that I go through periods of being more active on than others, but that's probably the best place to start.    Ula Ojiaku    Any ask of the audience? For me, my ask is they should go check your website, buy your books if they're interested in property and economics and all that and read your blog, but any other ask of the audience?    Rob Dix    I guess my ask is if you've heard something that has sparked a thought, which I hope is the case if we've done our job, then do something with it because, again this is advice to myself here, but I listen to podcasts as entertainment almost sometimes, and it's really interesting and then you're onto the next one and you never do anything with it so I think consume less and do more with the stuff that you do consume is advice that I'm trying to give myself, and that's what I'll pass on to the audience as well.    Ula Ojiaku    Consume less, do more. Thank you so much, Rob. It's been a pleasure having you on this podcast and I thank you for sharing your wisdom, your insight, and you're as generous in this live virtual session, as you are in your newsletters and your podcast, so thank you again.    Rob Dix    Yeah. Thank you for having me. It's been a fun conversation.    Ula Ojiaku   Yes, I agree. Thank you again. That's all we have for now. Thanks for listening. If you liked this show, do subscribe at www.agileinnovationleaders.com or your favourite podcast provider. Also share with friends and do leave a review on iTunes. This would help others find this show. I'd also love to hear from you, so please drop me an email at ula@agileinnovationleaders.com Take care and God bless!   

Claire Brock speaks to Lisa Chambers, Aodhan O Riordan, Mick Clifford, Louisa Santoro, Harry Browne, Liv Dunphy, Cianan Brennan, Paul Brandus Hosted on Acast. See acast.com/privacy for more information.

La primera regla para ganar dinero es no perder dinero. La segunda regla es no olvidar nunca la primera. Puede que estés pensando que esto es de perogrullo. Pero… ¿Sabías que si tus acciones caen un 50% necesitarás que suban un 100% para recuperarte de las pérdidas? Si bajan un 60%, un 150%. Y si se desploman un 70%, un 233%. La gestión de riesgos lo es todo.  Lo peor siempre puede suceder. Es inevitable. No podemos controlarlo, predecirlo ni anticiparlo. Porque el futuro es por definición incierto. Lo que sí que podemos hacer es protegernos invirtiendo en activos que aguanten cualquier chaparrón. En este episodio hablaremos con el bueno de Carlos Santiso, autor del libro El inversor conservador y gestor de fondos senior de Andbank. Su forma de invertir se basa en los principios de la inversión conservadora ya sea invirtiendo en gestión pasiva (su fondo MyInvestor Cartera Permanente) o gestión activa (su fondo Icaria Capital Dinámico). Índice contenidos. (1.30) Conociendo a Carlos Santiso (8.40) El inversor conservador (14.35) Invirtiendo en acciones de forma conservadora (29.22) La cartera permanente (34.0) Uso de derivados (37.17) Las 16 reglas de oro de la seguridad financiera de Harry Browne (56.50) Recursos y el día a día como gestor de fondos Recursos comentados.

This week we got into an area of retrofit that feels neglected: commercial space. It's a subject we definitely touch upon but never really get into , so in order to remedy that we're getting stuck in.First up is a conversation with architects Harry Browne and Séamus Guidera of RKD Dublin who came recommended to us by friend of the show Richard O'Hegarty.In a sector less driven by traditional sustainability issues, and more driven by hardcore commercial issues, it seemed right to start by speaking with folk who know their stuff. Harry and Séamus have been grappling with the big commercial questions around place of the office in the future and the renewal of these built environment assets, offering commercial clients the sort of strategic that hasn't been necessary in this sector for decades. Nowadays, asset owners are thinking about impact, in terms of how the building asset's use influences and interacts with its surroundings, how they can make offices more attractive places to be, not just providing serviceable desks. This evolving approach encourages engagement with tenants to plan for the future, incorporating changing use alongside changing climate, and how to make the renewal and retrofit process more efficient in terms of resource use and minimising waste.There's loads to get into. Too much. but this is a start.Notes from the showHarry Browne on LinkedInSéamus Guidera on LinkedInThe RKD website**SOME SELF-PROMOTING CALLS TO ACTION**We don't actually earn anything from this, and it's quite a lot of work, so we have to promote the day jobs.Follow us on the Zero Ambitions LinkedIn pageJeff, Alex, and Dan about websites, branding, and communications - zap@eiux.agency; Everything is User ExperienceSubscribe and advertise with Passive House Plus (UK edition here too)Check Lloyd's Substack: Carbon UpfrontJoin ACANJoin the AECB Join the IGBCCheck out Her Own Space, the renovation and retrofit platform for women (but not in a patronizing way)**END OF SELF-PROMOTING CALLS TO ACTION**

Craig Rowland is the co-author of the most comprehensive book on the Permanent Portfolio. It was written in 2012 and is called “The Permanent Portfolio: Harry Browne's Long Term Investment Strategy”He is a software entrepreneur who sold a company to Cisco Systems, worked for the Pentagon's Chief of Naval Operations, and he is the founder of Sandfly Security, an agentless Linus security solution.The Permanent Portfolio is a low-volatility investment approach that was developed by Harry Browne. The genius is in its simplicity – the portfolio is 25% Stocks, 25% Gold, 25% Long Term Treasuries, and 25% Cash.The portfolio is ideal to limit drawdowns. In 2008, for instance, the stock market declined by 37% and this portfolio was down only 2%. During the COVID crash, this portfolio was down 2% while the stock market was down by 20%.Links* The Permanent Portfolio: Harry Browne's Long-Term Investment Strategy. https://www.amazon.com/Permanent-Portfolio-Long-Term-Investment-Strategy-ebook/dp/B0097VBOHG* Analysis of the Permanent Portfolio from Portfolio Charts: https://portfoliocharts.com/portfolios/permanent-portfolio/* Craig's Twitter feed: https://twitter.com/CraigHRowlandDisclaimerNothing on this podcast is investment advice.The information in this podcast is for information and discussion purposes only. It does not constitute a recommendation to purchase or sell any financial instruments or other products.  Investment decisions should not be made with this podcast and one should take into account the investment objectives or financial situation of any particular person or institution.Investors should obtain advice based on their own individual circumstances from their own tax, financial, legal, and other advisers about the risks and merits of any transaction before making an investment decision, and only make such decisions on the basis of the investor's own objectives, experience, and resources.The information contained in this podcast & show notes is based on generally-available information and, although obtained from sources believed to be reliable, its accuracy and completeness cannot be assured, and such information may be incomplete or condensed.Investments in financial instruments or other products carry significant risk, including the possible total loss of the principal amount invested. This podcast, the host, and the guest do not purport to identify all the risks or material considerations that may be associated with entering into any transaction. This host & guest accepts no liability for any loss (whether direct, indirect, or consequential) that may arise from any use of the information contained in or derived from this content. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.securityanalysis.org/subscribe

¿Cómo funciona la cartera permanente? ¿Cómo construirnos una? ¿Se puede alcanzar la libertad financiera con ella? La filosofía de la cartera permanente seguro que muchos ya la conocéis. Lleva con nosotros varias décadas desde que Harry Browne esbozó su idea y ya la hemos tratado alguna que otra vez en otras temporadas del podcast En este 2024 queremos echar un vistazo a esta estrategia. ¿Cómo funciona? ¿Por qué tiene sentido para inversores moderados? ¿Cómo lo ha hecho en 2023? Lo hacemos junto a Jesús Arroyo, creador de alfinlibre.net, alguien que ha probado varias estrategias de inversión a lo largo de su vida, pero que se ha acabado decantando por esta cartera permanente para gestionar su libertad financiera. ¡Síguenos en nuestro nuevo canal de Whatsapp!  https://whatsapp.com/channel/0029VaFOcTe4SpkIZg9Ffb3L Teléfono del programa: 663 160 194 ➡️ Puedes seguirnos también en el grupo de Finect Talks en Finect:  https://www.finect.com/grupos/finect-talks ➡️ Enlaces sección “El corrillo”: Luz verde a 11 ETFs de Bitcoin al contado: la SEC aprueba las solicitudes de BlackRock, Ark Invest, Fidelity… https://www.finect.com/usuario/mariarefojos/articulos/luz-verde-a-11-etfs-de-bitcoin-al-contado-la-sec-aprueba-las-solicitudes-de-blackrock-ark-invest-fidelity El gestor español que se adelantó 4 años a Gotham City y vendió sus acciones de Grifols https://www.finect.com/usuario/Kaloxa/articulos/el-gestor-espanol-que-se-adelanto-4-anos-a-gotham-city-y-vendio-sus-acciones-de-grifols Beltrán de la Lastra (Panza Capital): "Hay que estar muy alerta porque habrá más Grifols" https://www.finect.com/usuario/eduardogarcia/articulos/beltran-de-la-lastra-panza-capital-hay-que-estar-muy-alerta-porque-habra-mas-grifols Federated Hermes: "China cotiza con una valoración mínima récord en relación con el resto del mundo" https://www.finect.com/usuario/eduardogarcia/articulos/federated-hermes-china-cotiza-con-una-valoracion-minima-record-en-relacion-con-el-resto-del-mundo Perspectivas del mercado de renta variable: es el momento de diversificar https://www.finect.com/grupos/Capital_group/articulos/perspectivas-del-mercado-de-renta-variable-es-el-momento-de-diversificar Nuevo récord de rentabilidad histórico de los fondos españoles en 2023 https://www.finect.com/usuario/avillanuevae/articulos/record-de-rentabilidad-historico-de-los-fondos-espanoles-en-2023

Overview: Today, we're going to explore AFEX, the African commodities exchange. We'll discuss the story across the following areas: African Agriculture context AFEX's launch & early history Product & monetization strategy Competitive positioning & potential exit options Overall outlook. This episode was recorded on Dec 24, 2023 Companies discussed: AFEX, EAX (East African Commodity Exchange), Tony Elumelu Foundation, Heirs Holdings, Apollo Agriculture, NCX, Cargill, Louis Dreyfuss, 50 Ventures & Berggruen Charitable Trust Business concepts discussed: Agriculture technology (AgTech, AgriTech or AgroTech), Agribusiness marketplaces, farming financing, Farmer market access opportunities, Agriculture insurance strategy, Commodity trading & Internal Entrepreneurship (Incubated company strategy). Conversation highlights: (01:10) - What Afex is and why we're talking about it (08:36) - Context of agriculture in Africa (21:49) - AFEX Founding story (33:28) - Fundraising (39:56) - Growth, geographical expansion and partnerships (49:42) - Product strategy, monetization and growth (59:14) - Cost structure, revenue and margins (1:10:00) - Business and user metrics (1:13:14) - Competition and options for exit (1:21:02) - Bankole's overall thoughts and outlook (1:34:25) - Olumide's overall thoughts and outlook (1:47:45) - Recommendations and small wins Olumide's recommendations & small wins: Interested in investing in Africa Tech with Olumide: Read about Adamantium fund & contact me at olumide@afrobility.com. Founders looking for funding: If you're a B2B founder working on Education, Health, Finance or food, please contact me for funding at olumide@afrobility.com Checkout my FIREDOM book = FIRE (Financial Independence, Retire Early) + Freedom = personal finance and financial independence book. Website, Read: Substack Newsletter & Buy: Print, eBook or Audiobook) Recommendation: I went back and re-read some of my classic books: How I found freedom in an Unfree world (Harry Browne), Don't Sweat the Small Stuff and It's All Small Stuff (Richard Carlson) & A Guide to the Good Life - The Ancient Art of Stoic Joy (William B. Irvine) Small win: Hiking with new friends in St Thomas. Cool Bankole's recommendations & small wins: Recommendation: FiveBooks.Com - FiveBooks.com shares lists of the best five books on many topics, chosen by experts in that area Recommendation: Jeff Bezos on Lex Fridman Podcast. A rare Jeff Bezos long form interview.  Small win: Running while listening to Big 7 - Burna Boy Fact check: Tony Elumelu narrates How He Went from Second Class Lower Degree to Nigeria's Billionaire Other content: FT ranking: Africa's Fastest Growing Companies 2023 & AFEX Nigeria loses maize worth N85m to 'police raid'  Listeners: We'd love to hear from you. Email info@afrobility.com with feedback! Founders & Operators: We'd love to hear about what you're working on, email us at info@afrobility.com Investors: It would be great to link up with you. Contact us at info@afrobility.com Join our insider mailing list where we get feedback on new episodes & find all episodes on Afrobility.com

Hoy te traigo la estrategia de inversión de Harry Browne.Este enfoque busca minimizar la volatilidad y el riesgo de pérdida a largo plazo mientras se logra un rendimiento estable y razonable.Aprenderás a construir esta cartera, equilibrada y resistente que pueda soportar diferentes condiciones del mercado y proteger tu inversión a largo plazo. Si quieres mejorar tu estrategia de inversión y lograr la estabilidad financiera, no te pierdas este vídeo.

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comYou can find vehicles by which you can play this portfolio here.But, after a lot of hype, here it is: the do-very-little portfolio.Lots of us have busy lives. We don't have time to constantly monitor companies, markets, technological developments, politics and all the rest of it. We have other things going on that we prefer to or have to devote our attention to.Yet we want to invest our money well - safely, sensibly, profitably. We want our money to be invested in areas that will thrive in that not-too-distant future. We might also want to have a bit of fun with an investment every now and then. Soliciting comments from paid subscribers earlier this year, the above describes many of you. With all this in mind, I have come up with the do-very-little portfolio. I was originally going to call it the Do F All portfolio, but, as it involves a bit of action taken every now and then, I've gone with do-very-little. A portfolio that does not require constant monitoring, only the occasional re-balance, but that should do well given the broader macroeconomic conditions in which we find ourselves.Here I am writing this missive at breakfast on a beautiful terrace in southern Italy, overlooking the sea, in one of those villages where nobody seems to do much and yet they lead long, full and contented lives, and the phrase “dolce far niente” comes to mind. What better name for this portfolio?The portfolio I am going to propose has something of the cockroach to it. It's not as immune as Harry Browne's portfolio which I covered the other day. It is probably overweight equities and underweight bonds. But it also contains plenty of possibilities to grow. Cockroach with a bit of spice. It's similar, but not the same as my own portfolio (which is not for everyone).When it comes to investment returns, asset allocation has been repeatedly proven to be more important than individual stock picking. The market you choose matters more than the securities you select within that market. It's more important to be in crypto or energy or biotech or banking when that sector is rising than it is to pick the best coin or company. Similarly, it's more important to be out of that sector when it's tanking. In other words, it doesn't matter so much which horse you bet on, as which race you are in. We have a large allocation to energy, for example, especially oil, gas and uranium. I think conditions are all good for these. But that will not always be the case. In the 1970s and the 2000s you wanted to own energy. In the 1980s and 90s you probably needn't have bothered. So here we go. The Dolce Far Niente portfolio. What does it look like?The Dolce Far Niente Portfolio

A quick heads up before we come to today's piece: I am taking my “lecture with funny bits” about gold to the West End for one night only. October 19th is the date. (That's the show I did at the Edinburgh Fringe). If you like gold, you will like this show. I promise. It's super interesting. You can get tickets here. Hopefully, see you there.So, continuing the recent theme of portfolio allocation, today we talk cockroaches …I narrated a documentary once about cockroaches. Never mind the repulsion we may feel towards them, they really are the most amazing creatures. In fact, that repulsion may work in their favour because nobody wants anything to do with them, thereby bettering their chances of survival.  Cockroaches have been around since before the dinosaurs. According to Wikipedia, they are some 320 million years old, having originated during the Carboniferous period. They are hardy as hell. They can survive and thrive in tropical heat or in freezing, sub-Arctic temperatures below minus one hundred degrees (Fahrenheit or Celsius). They can survive the dryness of the desert where there is no access to water, but they can also survive in and under water. Many cockroaches even survived the nuclear bombs dropped on Hiroshima in 1945 - they are known to be resistant to radiation. You can even cut off a cockroach's head and it will live on, at least for a bit.How nice to have a portfolio that is as hardy. We should all have something of the cockroach to our portfolios.In the wake of the Global Financial Crisis back in 2009 I remember seeing a presentation by Marc Faber in which he described a portfolio for all economic weathers. It broke down as follows:* 25% gold and cash. * 25% equities. * 25% bonds. * 25% real estate.  Dylan Grice, who at the time was an analyst with SocGen, advocated something similar. He called it the Cockroach Portfolio, after that most hardy of creatures.But the idea of a permanent, cockroach portfolio for all weathers was probably first popularised by an American investment advisor, Harry Browne, who died in 2006. Browne was also an author and politician. His books, mostly centred around investment, sold more than 2 million copies, and in 1996 and 2000 he was the Libertarian Party's presidential nominee. But, as an investment advisor, in 1982 he developed what is known as “the permanent portfolio” investment strategy, which he then wrote about in his 1999 personal finance book, Fail-Safe Investing: Lifelong Financial Security in 30 Minutes. This portfolio would assure "you are financially safe, no matter what the future brings."Browne's idea was that there are four macroeconomic environments - four seasons if you like: inflation, deflation, growth and recession. One of those macroeconomic environments would always apply.So his portfolio was allocated in such a way that some of it would perform well in each of those seasons.* 25% in US stocks. That would do well in times of growth. * 25% in long-term U.S. Treasury bonds. These would also do well during times of growth - and in deflation too. * 25% in cash. That's for recession. * 25% in gold, meanwhile, would see you through the inflation.All in all, therefore, Browne's portfolio for all economic seasons looked something like this. (You would re-balance once a year to maintain that allocation)Browne's differs from Grice and Faber's because it contained no allocation to real estate.But there you have it: a portfolio allocation that might even make it through a financial nuclear financial fall-out like a cockroach.I have two criticisms. First, if you go back to 1982, when Browne first conceived this portfolio, the S&P500 has outperformed by some margin. Sure, the cockroach portfolio is much less volatile, but what's the point of it, when you can just get an S&P tracker? You could argue that this has been an extraordinary period for US equities, but even so …Indeed, if you want total cockroach, why not own gold and gold alone? Gold, being indestructible, is even more hardy. It's been around a lot longer, and it lasts a lot a lot longer. When you, me, humanity and the cockroach itself are all long gone, gold will still be there shining away. (If you are interested in buying gold, by the way, Pure Gold Company is the place).The reason not to just own gold is that you want diversificationA word on diversificationLook at some of the richest people you know and I'll bet you close to none of them made their fortune by having a diversified portfolio. They might have made their money from their profession or by building a successful business, in property, bitcoin or trading. Out of an inheritance or a divorce, maybe. Perhaps they wrote a book, a film, a play or a song that turned out to be a smash hit. Perhaps they are a celebrity or sports star. Whatever. Most of the time they were anything but diversified. Rather they were concentrated.But if the majority of the super rich made their money being concentrated, they kept it by being diversifiedThe purpose of a diversified portfolio is not so much to make your fortune, but to keep and grow what you have. I understand that even Warren Buffett, who is the big example that counters my argument, had a few big wins early on and then grew his fortune building a successful investment business and levering what Einstein called the eighth wonder of the world - compounding - in his favour. I was chatting with a mining investor I know the other day. He made $40 million in 2005-2006. But he was moaning about the fact that he stayed concentrated and so handed a vast lump of it back. Had he instead diversified and then grew his wealth at say 5% a year, he would now be sitting on a pot more than double that size. At 10% a year, he would now be sitting on over $200m. Concentration is how you make your fortune. Diversification is how you keep and grow it. Unfortunately, concentration is also how you can lose a fortune. Let's say you went all in on bitcoin in 2013. Or tech or whatever. You'd be minted. But if you went all in on mining in 2013. You'd be borassic. I think you get the point.My do very-little-portfolio is coming soon. Keep your eyes peeled.Interested in buying gold to protect yourself in these uncertain times? My recommended bullion dealer is The Pure Gold Company, whether you are taking delivery or storing online. Premiums are low, quality of service is high. They deliver to the UK, US, Canada and Europe, or you can store your gold with them. More here. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Jim Babka (president of Downsize DC) joins Michael Heise, Brandi Bishop, and Aaron Harris to talk about his memories of working with Harry Browne and how the Browne campaigns led to significant growth in membership and financial support for the LP—and how the LP can re-create that success. From the weekly livestream of Decentralized Revolution on Sep. 11, 2023. --- Send in a voice message: https://podcasters.spotify.com/pod/show/misescaucus/message

This is a recap of the top 10 posts on Hacker News on September 3rd, 2023.This podcast was generated by wondercraft.ai(00:43): The boiling frog of digital freedomOriginal post: https://news.ycombinator.com/item?id=37368824&utm_source=wondercraft_ai(02:18): I don't want to grow my freelance design studio into an agencyOriginal post: https://news.ycombinator.com/item?id=37371084&utm_source=wondercraft_ai(04:26): Climate Change TrackerOriginal post: https://news.ycombinator.com/item?id=37370900&utm_source=wondercraft_ai(06:03): Hacking the Timex m851Original post: https://news.ycombinator.com/item?id=37368099&utm_source=wondercraft_ai(07:53): The Raft Consensus Algorithm (2015)Original post: https://news.ycombinator.com/item?id=37369826&utm_source=wondercraft_ai(09:38): Pesticide safety limit for salmon farms watered down after industry lobbyingOriginal post: https://news.ycombinator.com/item?id=37370453&utm_source=wondercraft_ai(11:20): Harry Browne's Rules of Financial Safety (1999)Original post: https://news.ycombinator.com/item?id=37370858&utm_source=wondercraft_ai(13:25): Transformers as Support Vector MachinesOriginal post: https://news.ycombinator.com/item?id=37367951&utm_source=wondercraft_ai(15:02): Sag-AFTRA votes unanimously to expand its strike to include the games industryOriginal post: https://news.ycombinator.com/item?id=37370170&utm_source=wondercraft_ai(17:08): Vale.sh – A Linter for ProseOriginal post: https://news.ycombinator.com/item?id=37371426&utm_source=wondercraft_aiThis is a third-party project, independent from HN and YC. Text and audio generated using AI, by wondercraft.ai. Create your own studio quality podcast with text as the only input in seconds at app.wondercraft.ai. Issues or feedback? We'd love to hear from you: team@wondercraft.ai

Libertarian presidential candidate Harry Browne

Analizamos una por una las 17 reglas de oro de Harry Browne: Construya su riqueza a través de su carrera profesional. No asuma que puede recuperar su riqueza. Comprenda la diferencia entre invertir y especular. Manténgase alejado de los vendedores de riqueza. No espere que alguien pueda hacerle rico. No confíe en sistemas de trading. Invierta solo el dinero del que dispone. Tome sus propias decisiones. Haga solo aquello que entienda. Diversifique los riesgos. Construya una cartera a prueba de balas. Especule solo con el dinero que puede permitirse perder. Guarde algunos activos fuera de su país. Aproveche los planes con beneficios fiscales. Haga las preguntas correctas. No olvide disfrutar de la vida. Cuando dude, escoja el camino más seguro. Antiguos episodios Kapital: K27. Antonio Rico. El inversor tranquilo. Kapital es posible gracias a sus colaboradores: ⁠Indexa Capital⁠. Gestión pasiva en fondos indexados. Indexa Capital ofrece carteras de fondos y planes de pensiones indexados con diversificación global y con costes totales en torno a 0,60 % al año. Indexa es el gestor automatizado independiente líder en España, con 1.600 millones de euros gestionados, de más de 63.000 clientes. Si quieres, puedes abrirte una cuenta sin compromiso. Utiliza el enlace promocional de Kapital para beneficiarte de un descuento especial: 10.000 euros sin comisión de Indexa durante el primer año. ⁠Barcelona Finance School⁠⁠. Una escuela líder en finanzas. La Barcelona Finance School (BFS) es una escuela de finanzas con proyección internacional creada por el Instituto de Estudios Financieros (IEF). Su objetivo es compartir el conocimiento y la experiencia acumulados por esta entidad, con una trayectoria de más de 30 años y una estrecha vinculación con el sector financiero. La escuela está dirigida a todos los profesionales del sector financiero y a posgraduados interesados en allí especializarse. La oferta académica de la Barcelona Finance School (BFS) incluye másteres, posgrados y cursos de especialización, todos ellos con acreditación universitaria. Los responsables de los programas y el claustro docente son prestigiosos profesionales que están al día de las nuevas tendencias en el sector financiero. Enlace con 300 euros de descuento en la matrícula de su Máster en Finanzas. Equito App⁠⁠. Invierte en tokens inmobiliarios. Muchos españoles no pueden invertir en inmuebles porque los bancos exigen un capital alto antes de conceder un préstamo. Equito App llega para cambiar esto. Esta aplicación te permite invertir en el sector inmobiliario desde tan solo 100 euros, a través de un préstamo participativo en el que los intereses varían según los rendimientos y la plusvalía del inmueble. Aprovecha el código NB543 para obtener 30 euros de descuento en tu primera inversión de 500. Esta oferta es válida por un tiempo limitado. Entra en Equito.app para conocer todos los detalles del proyecto. Índice: 2.55. Harry Browne, inversor y candidato a la presidencia. 8.32. La filosofía de Baelo Dividendo Creciente. 22.14. Santander amplía capital para pagar el dividendo. 30.49. El inversor mediterráneo. 35.54. Los malos gestores complican innecesariamente el lenguaje. 41.18. Feynman hablaba de la maldición del conocimiento. 51.10. La cartera boomer: 98% inmobiliario y 2% en acciones del Sabadell. 59.10. Las 17 reglas de Harry Browne. 2.18.35. El programa de radio de Harry Browne. Apuntes: Inversor inteligente. Antonio Rico. La inversión a prueba de errores. Harry Browne. Nadie te debe nada. Harry Browne. La cartera permanente. Craig Rowland & J. M. Lawson. Los dividendos aún no mienten. Geraldine Weiss. La tesis de los dividendos crecientes. David Bahnsen. Expectativas racionales en inversión. William Bernstein. The smartest investment book you'll ever read. Daniel Solin. El arte de reflexionar sobre el dinero. André Kostolany. La psicología del dinero. Morgan Housel. Antifrágil. Nassim Nicholas Taleb. Los ensayos. Michel de Montaigne.

Tyler runs the website https://portfoliocharts.com/ which features a variety of useful data visualization tools and back testing for asset allocations. The website features sample portfolios and also contains tools for users to create their own DIY asset allocations that are backed by data. I've used the tools on the website to create my own asset allocation.In this conversation, we discuss Tyler's journey as an investor. Tyler is very much a believer in the power of using uncorrelated asset classes like treasuries, bonds, gold, and stock factors to create robust portfolios of uncorrelated assets.Links:* The portfolio charts website which contains Tyler's blog along with the backtesting & data visualization tools.https://portfoliocharts.com/* Harry Browne's book, ‘Fail Safe Investing'. https://www.amazon.com/Fail-Safe-Investing-Lifelong-Financial-Security-ebook/dp/B003JMF4GG* ‘Work Less, Live More' by Robert Clyatt. https://www.amazon.com/Work-Less-Live-More-Semi-Retirement-ebook/dp/B01N9YCPY0* Shannon's Demon, a great mathematical example of the power of diversification. https://portfoliocharts.com/2022/04/12/unexpected-returns-shannons-demon-the-rebalancing-bonus/* A Bogleheads thread about an investor who levered up his portfolio prior to 2008 and posted in real time on the thread. https://www.bogleheads.org/forum/viewtopic.php?t=5934* My own asset allocation strategy, the weird portfolio. This is now featured in the sample portfolios on the Portfolio Charts website. https://portfoliocharts.com/portfolio/weird-portfolio/DisclaimerNothing on this podcast is investment advice.The information in this podcast is for information and discussion purposes only. It does not constitute a recommendation to purchase or sell any financial instruments or other products.  Investment decisions should not be made with this article and one should take into account the investment objectives or financial situation of any particular person or institution.Investors should obtain advice based on their own individual circumstances from their own tax, financial, legal, and other advisers about the risks and merits of any transaction before making an investment decision, and only make such decisions on the basis of the investor's own objectives, experience, and resources.The information contained in this podcast & show notes is based on generally-available information and, although obtained from sources believed to be reliable, its accuracy and completeness cannot be assured, and such information may be incomplete or condensed.Investments in financial instruments or other products carry significant risk, including the possible total loss of the principal amount invested. This podcast, the host, and the guest do not purport to identify all the risks or material considerations that may be associated with entering into any transaction. This host & guest accepts no liability for any loss (whether direct, indirect, or consequential) that may arise from any use of the information contained in or derived from this content. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.securityanalysis.org/subscribe

Driving change: behind Formula E's wheel! One week away from the 2023 Jakarta Prix opening, Formula E has never done so well since its inaugural season in 2014. In this context, we received Harry Browne, the strategy director of the championship. In discussion with our CEO Samuel Westberg, he unveils this crazy decade. From a small startup to a huge sports organization, Formula E has managed to build a solid business and expansion model. And it's only the beginning! Formula E was - and is still - challenged like every format that mixes innovation with tradition. However, its fanbase keeps growing. And you are going to know how.Key areas of focus, structure of media rights, and the impact of the digital platform: Harry depicts his strategy behind the sold-out crowds. In this episode, you will learn about : Races in « emerging » countries: the strategy behind it Broadcast partnerships and global business model Growth of the fanbase: who is Formula E's audience? KPIs and what makes fans stick around FE and sustainability:  the « green alternative.» Recommendations (Book): A little life by Hanya Yanagihara If you had a good time listening to this episode, do not hesitate to support us: 1. By subscribing, it's just a small click  2. By putting 5 stars on Apple Podcast to help us spread it.   Finally, if you want to know more about LaSource's activity, a small tour on our website and/or on our Linkedin page never hurts: https://www.lasource.io and/or on our Linkedin page: https://www.linkedin.com/company/joinlasource/   LeCorner is a podcast dedicated to sports and digital. Every two weeks, we are pleased to receive a distinguished guest from the sports industry to talk to us about digital, innovation and strategic development. 

Government, Taxes, and Immigration - Harry Browne

“Your unhappiness cannot be blamed on your past or your environment. And it isn't that you lack competence. You just lack courage. One might say you are lacking in the courage to be happy.” Welcome back to another episode of Made You Think! This week, we're diving into The Courage to Be Disliked by Ichiro Kishimi and Fumitake Koga. This book is full of wisdom, challenging you to free yourself from the expectations placed on you by others so you can achieve happiness. We cover a wide range of topics including: Pledging loyalty to yourself How "Insta-therapy" can be simultaneously hurtful and helpful When not to give unsolicited advice Are all problems interpersonal problems? Having the courage to follow through on your ideas And much more. Please enjoy, and make sure to follow Nat, Neil, and Adil on Twitter and share your thoughts on the episode. Links from the Episode: Mentioned in the Show: The End of Medicine (29:40) The Game Changers (29:48) What is a Spoonie? (38:40) Hurts So Good (40:36) Books Mentioned: The Subtle Art of Not Giving a F*ck (3:17) (Nat's Book Notes) How I Found Freedom in an Unfree World (10:19) Finite and Infinite Games (21:55) (Nat's Book Notes) King, Warrior, Magician, Lover (22:03) Antifragile (46:47) (Nat's Book Notes) Turning Pro (55:57) (Nat's Book Notes) Shadow Divers (56:54) People Mentioned: Alfred Adler (5:38) Will Durant (10:03) Harry Browne (10:18) Nassim Taleb (46:26) Steven Pressfield (55:55) Show Topics: 2:10) On today's episode, we're discussing The Courage to Be Disliked. Written by two Japanese authors, the book is a conversation between a German philosopher and a young man teaching that the past doesn't control you, as you have ownership over your life and your actions. (7:16) Insta-therapy; social media posts all about therapy and unpacking trauma. While it can be helpful and informational, there can be some downside to it, too. When it comes to therapy, there's a difference between unpacking your life and taking action on it. (12:29) The book talks about lifestyles and how it's something that we can choose at any point in our life. (15:17) Everything you experience is in context of other people. Separation of tasks: Don't try to do somebody's tasks for them. "A parent suffering over the relationship with his or her child will tend to think, 'My child is my life.' In other words, the parent is taking on the child's task as his or her own, and is no longer able to think about anything but the child. When at last the parent notices it, the ‘I' is already gone from his or her life. However, no matter how much of the burden of the child's task one carries, the child is still an independent individual." (23:23) Unsolicited feedback. You can usually tell if someone's feedback is sincere or if it's for their own benefit. (29:54) Vegan diet vs. standard American diet, and how elimination diets are a way to see how your body reacts and what you're sensitive to.  (34:15) Once we took lead out of gasoline, violent crime rates and other factors went down tremendously. The "Spoonie" community.  (40:46) When you identify with a group, you may tend to believe in all related ideas or beliefs in order to stay a part of that group, even if the ideas are questionable. (42:54) The way the book frames ambition and how you shouldn't be seeking recognition. By being ambitious, you can contribute to more people.  (45:27) Nat, Neil, and Adil discuss the title of the book and their interpretations of it. It's impossible to get everyone like you. If you aren't disliked, you're restricting your behavior to receive a more favorable outcome, but are you really free?  (51:34) Pledging loyalty to yourself and recognizing that you can't please everybody. (54:14) When you think you can't do something, it's often because you lack the courage to follow through on it. You can't fail if you don't start, and that can prevent you from taking action. (56:34) That wraps up this episode! Next up, we'll be covering Country Driving by Peter Hessler so make sure to pick up a copy and read along with us before our next episode. If you enjoyed this episode, let us know by leaving a review on iTunes and tell a friend. As always, let us know if you have any book recommendations! You can say hi to us on Twitter @TheRealNeilS, @adilmajid, @nateliason and share your thoughts on this episode. You can now support Made You Think using the Value-for-Value feature of Podcasting 2.0. This means you can directly tip the co-hosts in BTC with minimal transaction fees. To get started, simply download a podcast app (like Fountain or Breez) that supports Value-for-Value and send some BTC to your in-app wallet. You can then use that to support shows who have opted-in, including Made You Think! We'll be going with this direct support model moving forward, rather than ads. Thanks for listening. See you next time!

Robbie the Fire Bernstein illustrates how our system is rigged to protect political cheaters. This brings up the question, “how can we live free in an unfree world?” We discussed the suggestions of Harry Browne and Jack Spirko.audio edited by: http://JayPrescott.comAlso, please visit our YouTube Channel at:https://www.youtube.com/channel/UCk7egW4657D6IBrlzOTd6Dwvideos edited by: http://JayPrescottVideo.com

The O'Leary Review Podcast Guest: Hartmuth Pelger December 1, 2022   Recently, we got a chance to sit down—virtually, of course, because I'm in California and he's in Austria—with Hartmuth Pelger. Hartmuth is a multilingual business executive with more than 25 years of experience managing a wide range of financial functions, from analysis to auditing. Currently, he is a CFO in the e-Mobility sector. Hartmuth lives in Austria but has also lived in 8 countries across three continents during his well-traveled life. More importantly, Hartmuth started a parallel career in business coaching for high-performing individuals.   Tom Woods 100 One of the goals of this program is to get at least 100 people within the Tom Woods orbit on the podcast. “Tom's orbit” is loosely defined, but in our case, Hartmuth is number 8. Ninety-two to go! #TomWoods100   Book mentioned Tomorrow's Gold: Asia's age of discovery by Marc Faber   Influences The Peter Schiff Show — where Tom Woods developed some of his radio/podcasting chops as a guest host for Peter.   The Mises Institute — The Mises Institute exists to promote teaching and research in the Austrian school of economics, and individual freedom, honest history, and international peace, in the tradition of Ludwig von Mises and Murray N. Rothbard. Founded in 1982 by Llewellyn H. Rockwell, Jr.   Hans-Hermann Hoppe — an Austrian School economist and libertarian/anarcho-capitalist philosopher, is Professor Emeritus of Economics at UNLV, Distinguished Senior Fellow with the Mises Institute, founder and president of The Property and Freedom Society, former editor of the Journal of Libertarian Studies, and a lifetime member of the Royal Horticultural Society. He is married to economist Dr. A. Gulcin Imre Hoppe and resides with his wife in Istanbul.   Digging through the archives, we found the debut episode of the Tom Woods Show which Hartmuth mentions.   Ethnic Germans in Romania The Wikipedia entry – Germans of Romania A New York Times article (behind paywall), “Ethnic Germans in Romania Dwindle” A fascinating 8+ minute video on The Exodus of Romania's German-speaking Minority.   More Romanian history Who was Nicolae Ceaușescu? The Wikipedia on Romania's brutal and hated dictator. Romania in World War II. The Wikipedia on the interesting history, from its near alliance with Nazi Germany to its ultimate flip to the Communist side.   The e-Mobility Sector Hartmuth works in the off-highway sector within e-mobility. Some manufacturers are now focused on not only alternative fuels, but alternative ways to power machinery in general. The specific application of a fully-electric drive concept is key to knowing if it will make economic sense. For instance, Hartmuth is working on mining and agricultural application, and an important aspect of a firm's decision on whether to go fully-electric or not is the amount of pollution—or lack thereof—that will be produced on-site. Very interesting.   Armageddon (1998) How much better would Harry Stamper (Bruce Willis) and his roughneck pals have felt if they had Hartmuth's e-mobility concept working for them on that comet? Assuming they had diesel-powered rigs, they need oxygen to burn the fuel. Does a comet have all that much oxygen available? Since we love Bruce Willis—and most of his movies—we will eventually get to Die Hard later in the holiday season, but we did stumble upon one potential plot hole in the Christmas thriller…or was there ever one?   The sovereignty of Hong Kong Wikipedia's breakdown of what happened when the UK handed it over to the Red Chinese.   Dubai Wikipedia. Sorry about all the Wikipedia links, but they are pretty good and if you are on your best internet behavior, you'll learn a lot. However, we tend to go down the proverbial worm-hole of Wikipedia from time to time. That's also fun on occasion, but tends to grind down available time in the day. Enjoy the links at your own risk.   Portuguese At one point, I was interested in learning Portuguese, but I don't know about that now. Somebody on YouTube claims they can teach you in 4 hours. Click at your own risk. I haven't finished the video yet as I type this…   Hitchhiking I was blown away when Hartmuth told me he hitchhiked in the western US and Canada in the 1990s. I grew up with the notion that hitchhiking was a serious no-no—both to try and get rides or to give rides to potential riders. The days of Me and Bobby McGee were more romantic and innocent, I guess. https://www.youtube.com/watch?v=IOoMREvsV9E   There's a guy I found on the web called Nomadic Matt and he tells you 14 Ways to Safely Hitchhike Across the United States. Read at your own speed or interest level. I'm just leaving it here…I have no interest in hitchhiking anywhere—I am still a child of my parents. Place in Canada mentioned: Prince George, British Columbia   How do you contact Hartmuth? You can either contact me or go to his LinkedIn: Hartmuth Pelger.   Austria Final Wikipedia entry of today's show notes: Austria. Interesting story of mine somewhat related to Austria—I've never been to continental Europe—in my travels… I was in Japan a few years back and at a coffee shop of sorts for a breakfast. The selection of non-Japanese foods in most places is often quite strange. The desire to imitate Europe or America is strong, but the implementation is often rather weak—save Kentucky Fried Chicken, but that's a subject for an entire newsletter or podcast series on its own. So, craving a typical American breakfast sandwich or something similar, I ordered a “Viennese Sausage.” Never had that before. Figured it was something even more exotic than regular sausage. Wrong. It was a hot dog on a hot dog bun. Served with a packet of ketchup and a packet of mustard. I was very confused and rather irritated until it dawned on me that I had seen Vienna Sausages in the store, usually canned and next to the SPAM. But also that I was eating a “wiener” and that…duh!...Vienna is the anglicized name for the Austrian capital city of Wien, thus wiener. See also: frankfurter, hamburger, etc. for other such examples. I don't think cheeseburger works in this scenario…but I could be mistaken. Long story short: the coffee was good, the hot dog was nothing special and we had great Japanese food most of the other meals we sat down for. As my good friend once said, “When in Greece…”   Final book mentioned How I Found Freedom in an Unfree World by Harry Browne. The aforementioned Tom Woods talks about this book in 2017. Highly recommended speech—about a half-hour.  

Overview: Today we're going to talk about African Insurtech. We'll discuss the consumer insurance landscape & analyze InsurTech players. This episode was recorded on October 17, 2022 Companies discussed: Reliance Health, BIMA, Naked Insurance, Pineapple Insurance, Amenli, Creditas, Minutos Seguros, Acko, Policy Bazaar, Casava Insurance, Reliance HMO, Lami, Turaco, Amanleek & Avidea Business concepts discussed: New product development, consumer market penetration & pricing strategy Conversation highlights: (01:20) Consumer InsurTech context (12:30) Insurtech in other emerging markets - India (23:40) Insurtech in other emerging markets - Brazil (34:50) Insurance context in Africa (47:17 ) Southern Africa startups (1:02:20) Western Africa startups (1:14:19) Eastern Africa startups (1:24:34) Northern Africa startups (1:31:42) Olumide's & Bankole's thoughts (1:55:05) Recommendations & small wins Olumide: Interested in investing in Africa Tech : Read about Adamantium fund & contact me at olumide@afrobility.com Founders looking for funding: If you're a B2B founder working on Education, Health, Finance or food, please contact me Recommendations: Miracle morning (Hal Elrod), 5AM club (Robin Sharma), How I found freedom in an unfree world (Harry Browne) & Early retirement extreme (Jacob Lund Fisker) 3 songs: Burna Boy - For My Hand (ft Ed Sheeran), Black Sherif - Second Sermon (Remix ft Burna Boy) & Craig David - I know you (ft Bastille) - Shoutout to my friend Jason Mothersill Small win: House party with friends Bankole: Recommendation: Ku Lo Sa - Oxlade, HBO - House of Dragons & Facebook Love - Jaywon / Essence Small win: Africa Tech Mixer in New York Other content: Baobab Network report on InsurTech & Standard Bank report All episodes at afrobility.com

-Andrew For America had the amazing opportunity to sit down with libertarian candidate for governor of the state of New York, Mr. Larry Sharpe.  They discuss podcasts being "the future of media," the importance of "trusted" sources of information, their military service, the perils of discovering the realities of this world, the two-party system, money in politics, the ability (or lack thereof) for third-party ballot/debate access, how voluntaryism works, modern leadership defined as voluntaryism, confusing capitalism with oligarchy, Robert Ringer, Harry Browne, Ayn Rand and objectivism, Ross Perot scaring the establishment, the need for more "David's" and less "Goliath's" in society, the importance of courage and perspective, the war on drugs, the difference between market forces vs. government forces, the spirit of America and how America has become its "father," the need for us all to "accept the challenge" with regard to finding common sense solutions to our problems regardless of partisanship, and a whole lot more!  Dear New York...WRITE IN LARRY SHARPE for governor!!! Visit larrysharpe.com to follow Larry Sharpe for Governor of New York! Visit politicsandpunkrockpodcast.com and buy a t-shirt or donate to the show! Visit altmediaunited.com and check out all the awesome podcasts! Visit allegedlyrecords.com and check out all of the amazing punk rock artists! --- Support this podcast: https://anchor.fm/andrew-foramerica/support

GUEST OVERVIEW: Art Olivier, former mayor of Bellflower, California, was the Libertarian candidate for Vice President in the United States presidential election in 2000 as the running mate of presidential candidate Harry Browne. He produced the feature length dramatic film "Operation Terror".

Dennis Misigoy joins me to discuss his run for US Senate in Florida. We talk about his run, how he compares to his two major challengers, and even take a couple audience questions.Bill Review:2023 National Defense Authorization Act: https://www.inhofe.senate.gov/newsroom/press-releases/inhofe-and-reed-file-fiscal-year-2023-national-defense-authorization-actSources / Referenced Material:Dennis Misigoy website: https://www.misigoy.com/Prior podcast appearance: https://www.youtube.com/watch?v=FoP028GrWiAWhen Will We Learn? - Harry Browne: https://www.antiwar.com/orig/browne2.html

3x39 En un mundo incierto como el que nos está tocando vivir en 2022, es normal que busquemos como locos certezas e inversiones que suban y aguanten. Pero ya sabéis que una cartera diversificada, por muy diversificada que esté, cuando casi todo cae como en este año, probablemente también caerá. ¿Hay algo que, aunque suba menos cuando la economía va bien, también… caiga menos? Hoy os hablamos de una estrategia muy conocida, de la que ya hemos hablado alguna vez por aquí: la cartera permanente de Harry Browne, una estrategia a la que muchos inversores conservadores recurren. De ello y más cosas hablamos con Carlos Santiso, gestor de los fondos Icaria Capital Dinámico e Icaria Cartera Permanente, invitado que nos habéis pedido más de una vez por comentarios. Antes, Antonio Villanueva nos da un poco la turra con sus cosas y luego trae un fondito de inversión que sube en 2022 ¡y también en años anteriores! Después, Carmen Fontán leerá vuestras respuestas a su pregunta de la semana y os formulará una nueva. 📊 FONDITO DE LA SEMANA: Fidelity FAST Global Fund https://bit.ly/3QKU9gL 🎬 Pásate por nuestro canal de Youtube para ver todos los contenidos diarios: https://www.youtube.com/finect ❓ Consultorio Finect: fondos de inversión TODOTERRENO que aguantan en 2022 https://youtu.be/20QO_ssHoAA Pregunta de la semana: ❓ ¿Qué inversión crees que será la que más haya subido de aquí a 10 años? Respuestas serias… o no 📞 Y si queréis contestar por whatsapp, ya sea por escrito o con un audio, aquí tenéis nuestro número de teléfono: 663 16 01 94

Soy consciente que el éxito de este podcast depende de la calidad de los invitados. En una industria en la que muchos hablan sin nunca decir nada, mi reto es filtrar a los pocos que de verdad saben. Rafael Ortega, gestor de River Patrimonio, puede hablar durante horas y no soltar un solo tópico sobre las finanzas. Muchos inversores se esconden en tecnicismos porque no saben lo que están diciendo. Rafael se ha leído los libros y sabe de lo que está hablando. Ignoremos el ruido y escuchemos a los sabios.Este boletín está patrocinado por Trade Republic.¿Aún no has encontrado una plataforma para invertir de forma sencilla, segura y con bajas comisiones? Te interesa entonces la propuesta de Trade Republic. Allí las inversiones funcionan de forma simple. Accede en tan solo 3 clics a una amplia oferta de activos financieros, pudiendo elegir entre más de 9.000 acciones y ETFs, 3.500 planes de inversión, 50 criptomonedas y 11.600 derivados para diversificar tu cartera. Tu dinero estará seguro en Trade Republic, en la única institución financiera registrada en la CNMV y el Banco de España y regulada por la BaFin para ofrecer servicios de criptomonedas. La plataforma es 100% transparente, sabes que pagas 1 euro por operación en todos los activos, independientemente del importe y el valor elegido. Aprovecha el cupón específico para los oyentes y lectores de Kapital. Utiliza el código TRADE22 durante el registro y recibirás de regalo un ETF de entre 50 y 200 euros (T&C). Más de un millón de clientes ya han puesto su dinero a trabajar con Trade Republic. Es hora de que tu dinero trabaje para ti. ¿Llevas meses siguiendo los contenidos de Kapital y tienes ya ganas de operar tu propia cartera? Ha llegado el momento de gestionar tu ahorro con una estrategia que tú definas y tú controles y Trade Republic es el bróker para dar el salto.¿Quieres patrocinar una edición de Kapital?Apuntes:Mi cartera personal. Rafael Ortega.La biblioteca de River Patrimonio. Rafael Ortega.Participar y proteger. Rafael Ortega & Curro Cobo & Andrés Bauzá.A safe haven for intelligent investors. Jason Zweig.Fail-safe investing. Harry Browne.Common sense on mutual funds. John Bogle.Global asset allocation. Meb Faber.A quantitative approach to tactical asset allocation. Meb Faber.El mundo de ayer. Stefan Zweig.Investor amnesia. Jamie Catherwood.Central banks' forecasts are basically garbage. Joakim Book.What I learned losing a million dollars. Jim Paul & Brendan Moynihan.Gold price framework. Stefan Wieler & Josh Crumb.The intelligent investor. Benjamin Graham & Jason Zweig.Devil's financial dictionary. Jason Zweig.Los valores de Mourinho (1). Joan Tubau.Los valores de Mourinho (2). Joan Tubau.Índice:1.40. La depreciada marca de Forbes con la lista 30 Under 30.9.15. La mejor información financiera se esconde en foros de internet.17.47. El starting pack de las inversiones: Browne, Bogle y Faber.23.45. La antifragilidad se demuestra en un toque de queda en Perú.30.03. Los que no estudian historia están condenados a repetir los errores.47.29. Psicológicamente no estás preparado para una caída del 50%.58.20. La cartera permanente es como el juego del Hipopótamo tragabolas.1.26.05. El ahorro te permite además atacar las oportunidades.1.34.28. El misterioso valor del oro… o el bitcoin.1.52.05. La filosofía de inversión de River Patrimonio.2.10.30. Eufemismo de market timing.2.20.14. Los contraataques letales de Mou y los cumplidos envenenados de Guardiola.2.29.16. La anécdota de Guzmán de Lázaro inmerso en su trabajo.

As Richard Henry Lee so rightly observed, “politics is the science of fraud, and politicians are the professors of this science.” But wait, there's more! Learn 7 essential truths about government and power that most people completely ignore, from the late Harry Browne. The post 7 Truths About Government Most People Ignore first appeared on Tenth Amendment Center.

Give us about ten minutes a day and we will give you all the local news, local sports, local weather, and local events you can handle.   SPONSORS: Many thanks to our sponsors... Solar Energy Services because solar should be in your future! The Kristi Neidhardt Team. If you are looking to buy or sell your home, give Kristi a call at 888-860-7369! And Annapolis Film Festival Today... An Anne Arundel County fireboat sank with four firefighters aboard--they are all ok. A sheriff's deputy was charged with driving an unmarked sheriff's car will of duty and intoxicated. Rehab 2 Perform was named one of the fastest-growing private companies in the mid-Atlantic. Someone failed to claim a $10 million lottery ticket. G. Love & Special Sauce will headline Bands in the Sand. Today is Senator John Astle's book signing at Harry Browne's at 4:30 pm--come out! Another Annapolis Film Festival pod drops at noon. And some giveaways! And as usual, George from DCMDVA Weather is here with your local weather forecast! Please download their APP so you can keep on top of the local weather scene! The Eye On Annapolis Daily News Brief is produced every Monday through Friday at 6:00 am and available wherever you get your podcasts and also on our social media platforms--All Annapolis and Eye On Annapolis (FB) and @eyeonannapolis (TW) NOTE: For hearing impaired subscribers, a full transcript is available on Eye On Annapolis  

Give us about ten minutes a day and we will give you all the local news, local sports, local weather, and local events you can handle.   SPONSORS: Many thanks to our sponsors... Solar Energy Services because solar should be in your future! The Kristi Neidhardt Team. If you are looking to buy or sell your home, give Kristi a call at 888-860-7369! And The Annapolis Film Festival! Today... Annapolis Police have arrested a man after a home invasion. A fatal motorcycle accident along Route 100. There is a hot chicken craze and I cannot figure it out. Maryland Hall is having a free ArtFest this weekend!  Senator Astle's book signing is on March 29th at Harry Browne's. Yesterday's contest winner and a new contest for a $50 gift card! It's Thursday, which means that Trevor from  Annapolis Makerspace is here with your Maker Minutes with great ideas to work out your mind and hone your skills. And as usual, George from DCMDVA Weather is here with your local weather forecast! Please download their APP so you can keep on top of the local weather scene! The Eye On Annapolis Daily News Brief is produced every Monday through Friday at 6:00 am and available wherever you get your podcasts and also on our social media platforms--All Annapolis and Eye On Annapolis (FB) and @eyeonannapolis (TW) NOTE: For hearing impaired subscribers, a full transcript is available on Eye On Annapolis

Most people know him as Senator Astle--the long-serving Maryland Senator who retired in 2017. Some may know him as Delegate Astle, and others as Colonel Astle. But few know him as Lt. Astle, the man who spent 13 months in Vietnam flying rescue and attack missions in an unpopular war. He was awarded two Purple Hearts and received 34 Air Medals. For 13 months, he recorded "letters" to his family on a cassette tape recorder and these words are now in a new book, Jungle Combat: A Combat Pilot's Tape Recorded Transcripts from Vietnam 1968-1969. The book is available now on Amazon and a release party and signing is planned for Mach 29th at Harry Browne's in Annapolis. But today we talk about how he got his nickname "Ace", his worst day in Vietnam, whatever happened to that handlebar mustache, and that cute blonde he flew in for the Christmas party. This is heavy stuff and offers a peek into a different side of a man I consider a friend who spent (quite literally) his life in service to the public.  Read the book, come to the book signing, and have a listen!

Derek Moore explains in easy-to-understand terms what risk parity strategies are. Plus, he explains Harry Browne's Permanent Portfolio and Ray Dalio's All Weather Portfolio. How standard deviation is used and how some versions use leverage including futures to create risk parity weighted exposure.   What are risk parity strategies? What are All Weather Portfolios? What is the Permanent Portfolio? Equalizing risk via standard historical deviation Using futures to create leveraged notional value What are the risks in a rising rate environment?   Mentioned in this Episode:   Contact Derek Moore derek.moore@zegafinancial.com   Derek Moore's Book Broken Pie Chart https://www.amazon.com/Broken-Pie-Chart-Investment-Portfolio/dp/1787435547?ref_=nav_signin&

3x22 La guerra entre Rusia y Ucrania ha traído a los mercados caídas, volatilidad y... ¿quizás oportunidades de inversión en las caídas? ¿Qué oportunidades puede haber en bolsa ahora mismo? ¿Cómo afecta a los mercados la volatilidad de estos días? De esto y muchas más cosas hablamos con Alex Estebaranz (El Arte de Invertir, True Value). Pero antes, Antonio Villanueva trae una sección un poco más 'zen' de lo habitual para intentar calmarnos todos en medio de la tormenta, y después trae su fondito de la semana. Carmen Fontán trae la pregunta de la semana y nos lanza la de la siguiente. Fondito de la semana: Icaria Capital Cartera Permanente https://www.finect.com/fondos-inversion/ES0147491007-Icaria_capital_cartera_permanente_fi Finect Live Guerra Rusia - Ucrania: https://youtu.be/bW5k6BTVHwU ¿Cómo afectan las GUERRAS a la BOLSA y la ECONOMÍA https://youtu.be/s365ZGRUKZo Libro del que habla Vicente: "La Cartera Permanente: La estrategia de inversión creada por Harry Browne"

Location: New York Date: Saturday 5th December Project/company: Pragmatic Capitalism, Orcam Financial Group Role: Chief Investment Officer In the 1980's, Harry Browne devised an investment strategy designed to perform well in all economic conditions. It is referred to as the Permanent Portfolio. Investments are equally allocated to stocks, bonds, gold, and cash. The objective is for the portfolio to perform well in all economic conditions. But Harry Browne's strategy was developed in a period when short term boom and bust debt cycles were still a feature of economic systems. Since the global financial crisis of 2007, the debt cycle hasn't been allowed to function properly: recessions have been mitigated through unprecedented governmental monetary and fiscal stimulus programmes. In this new paradigm, where inflationary pressures cast a large shadow, what are the best investment strategies to take? Certain Bitcoiners are all in on the new form of money designed for these times. This does not fit everyone's risk appetite. But, having a portfolio that lacks exposure to Bitcoin risks missing out in a market that could otherwise be devoid of alpha. Then there is also a geographical variable at play: the US has certain inherent strengths that are not available to citizens of other countries, significantly affecting investment decisions.     In this interview, I talk to investment strategist and founder of the educational website Pragmatic Capitalism, Cullen Roche. We discuss the drivers for inflation, the role of government, investment strategies during uncertain times, and the place for Bitcoin in asset portfolios.

Today we take your questions and along the way come up with an interesting idea for the Casey Phyle...   Plus, we discuss Paladin, The $1T coin, what may have been behind the facebook outage, crypto currency crackdowns, and much more.    Join our email list to get Special reports and updates:  https://dougcasey.substack.com/about   Connect with us on Telegram:  https://t.me/dougcasey   If you have questions for an upcoming Q&A, you can submit your questions here: https://AskDoug.formstack.com/forms/q...   Chapters:   00:00:00 Relocation 4:22 skills for her 6 year old  9:32 Green pass and coping with it  17:28 value above all else  18:24 market crash in October?  21:46 socialist Scandinavian countries  25:26 favorite historian  33:21 fastest you have driven  39:28 parallel systems good and service  44:26 war on crypto 48:12 Facebook 52:01 gold not rising  57:16 dao and affect the masses with mysticism or manipulation 59:20 hope for Argentina? 1:02:00 Harry Browne  1:04:57 next 6 months of turbulence  1:08:00 conspiracy or random events 1:12:00 will the euro fall faster than the dollar  1:14:12 anarchy before the Bronze Age collapse  1:18:40 trillion dollar coin?  1:20:07 top counties? 1:23:00 Netherlands  1:24:30 Vanuatu   1:26:00 7 hermetic laws  1:28:20 Dallas? Mexico?  1:33:24 skills for a successful

In this episode of Freedom Lovin, Kevin discusses two sections from the book “How To Find Freedom In An Unfree World” by Harry Browne: 1) The Final Authority, and 2) How to Be Free Who is the final authority on anything in your life? You guessed it…you. You have the inner power to filter out […] O post FL159: [FREEDOM READS] The Final Authority apareceu primeiro em Freedom Lovin.