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The guys decide if eternal life would be worth pursuing as they review a fun mini-comic. Nathan gives an update on his James Bond Marathon and more!
In Part 1 of this two-part conversation, Dualta sits down with ReferRec co-founder Dave Cahill to unpack his journey from joining Liquid as a rookie to helping scale it into a high-performance machine that eventually sold for life-changing money. Dave shares what shaped him early on: intense standards, work-hard-play-hard culture, leadership that pushed people to operate above their limits, and the mindset that turned him into one of the most relentless operators in the industry.A real look at drive, culture, and what it takes to scale - the unfiltered version.Part 1 sets the stage. Part 2 brings the tech. Tune in now!
Great Liquid Glass Apps
Recorded 2025-11-30 23:00:56
Recorded 2025-11-30 10:25:08
This is the recording of Hack The Planet 571 with DJ Pfeif from 11-29-25, originally aired on twitch.tv/djpfeifdnb and Valley Free Radio, WXOJ. Hack The Planet is live every Saturday night at 8:00pm ET. More information at https://djpfeif.com. Thanks for listening. Enjoy! =============================== Artist - Track Title - Label Vectasonic - After Hours - Soul Deep Exclusives Bungle - On The Way - Santorin Seathasky & NOTAKU - Remember - Fokuz Recordings Bungle - On The Way - Santorin BCee - Shiny Happy Jungle - SUNANDBASS Recordings T.R.A.C. - Under Bright Lights (ft. Submorphics) - Rosebay Music Anile - Fine - Footnotes Unknown Artist - M38 - Fokuz Recordings Singular Mind - Feel You - Fokuz Recordings Bleach - Onion Tune - Altius Sounds After City - Gem - Flight Pattern The Lights - Prodigal Son - Flight Pattern Nixxy Rain - 174 Piano Naughty - Nixxy Rain Music Vectasonic - The One - Influenza Media BCee - A Little Too Much (SETYOUFREE Remix) - Spearhead Records Channell - Sway (ft. Aya Dia) - Footnotes DPR & Luke Truth - Get By (Zero T Remix) - Spearhead Records BCee - Flush - SUNANDBASS Recordings Subwave - Stars Get Down (Nu:Tone Remix) - Hospital Records Technimatic - Unity - Technimatic Music Crafton - Dirty Dossier - Flight Pattern Jaybee and Anthony Kasper - Flying High - Flight Pattern Kornel, ictav - Purified - Ictasis Music Group Uphonix - Do Or Do Not - Uphonix Inner Terrain & Wreckless - Story So Far - Rebel Music Technimatic - Only Dreamers ft. Zara Kershaw - Technimatic Music Dan Guidance & Neuron - There You Are - Fokuz Recordings imo-Lu - Perspective - Rosebay Music Crimson and Frame - Come Bring Me - Fokuz Recordings CPH and Silence Groove - Subdued - Fokuz Recordings Mad Vibes - Timelaps - Sidechain-Music HLZ - Agent Zero - Rebel Music Mindmapper, Silvahfonk - Ozone - Flexout Audio HLZ - Cyclops - Rebel Music Modu - Let Your Soul Sing - Cause4Concern Recordings Unreal Project - Waiting - Hyperactivity Music Xeomi and Kaiza - Horo - Celsius Recordings Anthony Kasper & Bank - Far Away - Fokuz Recordings FD - Deep Fake - The North Quarter Bert H & Elle Chante - You - Waterframes Music LARIGOLD - Around The Sun - Flight Pattern Untrue - Memories - Waterframes Music Redeyes - Yesterdays - The North Quarter Decaz - Spiraling Out - Celsius Recordings
In this week's Systematic Investor episode, Niels and Andrew Beer explore how a broken 60/40 paradigm is forcing wealth managers into a new world of “other” diversifiers. Andrew reflects on the Goldman Sachs report about private wealth flows, the rise of liquid alts and why big houses are suddenly launching trend ETFs. The conversation dives into replication versus traditional CTAs, the true cost of complexity, and Simplify's new index-based product built on Andrew's strategy. Along the way they debate pods, Bitcoin, and Andrew's evolving metaphor of managed futures as a cloudy, but occasionally crystal-clear, macro crystal ball.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Andrew on Twitter.Episode TimeStamps: 00:00 - Intro and Thanksgiving reflections, gratitude and mood after the holiday01:14 - Goldman report: trillions from wealthy investors and a seismic shift away from 60/4003:38 - Why bonds stopped diversifying and the growth of the “other” bucket in portfolios05:44 - Liquid alts vs illiquid alts and the timing of big firms launching trend ETFs08:25 - Odd Lots, pods and Dalio's skepticism on multi-strats' future09:22 - Bitcoin's volatile run and rumors of a manipulated pullback10:59 - November performance: zigzags in trend indices and short-term traders' struggles12:55 - How DBMF positioned: concentration, short yen, euro pain and being contrarian post “Liberation Day”16:05 - Are we still “replication”? Alternative data beta, tracking error and what's really...
Recorded 2025-11-29 17:33:32
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Recorded 2025-11-29 19:30:08
Have you ever wondered what happens when people step outside their comfort zone to bring healing and hope across borders? Sometimes the most life-changing moments happen far from home, not just for those receiving care, but for those giving it. In this episode, I sit down with Brita Zuehlke, Christopher Kendall, Lisa Garcia, and Dr. Dan Omire-Mayor from Partners 4 Global Health, Inc. (P4GH), a nonprofit that provides medical care, equipment, and support to communities in need around the world. They share real stories from their mission trips to places like Guanaja and Honduras, what inspired them to serve, and how these experiences have shaped their lives and faith. It's a heartfelt look at what it means to make a difference, one person at a time. From small villages in Central America to lasting friendships built along the way, this conversation reminds us that compassion knows no borders. Listen now to be inspired by their journey and maybe even discover how you can be part of something bigger. #medicalmission #healthcareoutreach #thechefdoc Connect with them: Website: https://www.p4gh.org/ Facebook: https://www.facebook.com/P4GH.org Instagram: https://www.instagram.com/partners4gh/ Donate Now: https://www.p4gh.org/controls --- ***This episode is sponsored by:
This week, Juliet and Jacoby turn the episode over to the listeners and answer your most burning questions, including Juliet's ideal Thanksgiving menu and how to host people with allergies. For this week's Taste Test, they try hot chocolate-flavored Liquid I.V. before sharing their Personal Food News. Do you have Personal Food News? We want to hear from you! Leave us a voicemail at 850-783-9136 or email ListenerFoodNews@Gmail.com for a chance to have your news shared on the show. Be sure to check us out on YouTube and TikTok for exclusive clips, new taste tests, and more! Hosts: Juliet Litman and David Jacoby Producers: Mike Wargon and Ronak Nair Musical Elements: Devon Renaldo Learn more about your ad choices. Visit podcastchoices.com/adchoices
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Pool Pros text questions hereThis week, Andrea flies solo while Paulette takes a much-needed break—and the result is a fun, educational, slightly unhinged deep dive into cold water season, winter chemistry, dry skin survival, and why cold pools can actually make your job easier (yes, really).From frozen reagents to stain treatments to elderly Floridians complaining about “cold” 78-degree pools, this episode is a full winter-route mood.Episode SummaryAndrea kicks off the show explaining why cold water is basically a superpower for stain removal—and why winter is the perfect time to hit those stubborn stains before the pool closes or before the last brave snowbird gives up on swimming.Then she pivots to the real pain of winter service: dry, cracked, chlorine-blasted pool-tech hands. Andrea drops her holy-grail products for surviving winter route life: • Aquaphor (the OG skin savior) • Gloves in a Bottle (a “liquid glove” that doesn't magically repel water but helps keep your skin intact) • Cheap leather gloves you won't cry about when chlorine eats them aliveWith the hand-care PSA complete, Andrea dives into the meat of the episode:Cold Water + Chemistry = ChaosCold water messes with your testing, your reagents, your strips, your readings… everything. She covers: • Why frozen reagents sometimes survive—if you treat them right • Which false readings are the most common in winter • Why cyanuric acid tests lie in cold water • How pH and alkalinity reactions slow down • Why test strips get stupid below 45°F / 7.2°C • The right way to warm a sample before testing (hint: NOT the microwave)She also explains why, according to Taylor, if the water is too cold for accurate testing… you technically get a pass. (Andrea delivers that part with the exact level of sarcasm you'd expect.)Cold Water Perks You Didn't Know You NeededYep—winter has pros: • Stains lift easier • Algae struggles to survive • You might use fewer chemicals • Nobody's swimming, so nobody complains (except the heat-pump HOA)Andrea also wanders into… • evaporation math • energy loss • bubble covers • liquid solar covers • ducks getting annoyed • Florida people who think 45°F means the end times • commercial pools with 200,000 gallons of lukewarm regret • spa cold-plunge chaos • why solar panels leak out of spiteHer tangent game is elite this episode.Key Takeaways• Cold water interferes with nearly every test, from alkalinity to CYA—warm samples before testing. • Frozen reagents aren't always ruined, but they must thaw naturally and pass the “crack and floaty” check. • Stain treatments work better in cold water, so winter is prime time. • Evaporation steals heat energy like a thief, and even an inch of water lost has a huge thermal impact. • Solar covers can actually add heat—not just retain it. • Liquid covers work… mostly. Don't expect miracles. • Cold water means less algae, fewer chemicals, and fewer complaints—unless you service Florida. • Winter equals crusty pool-tech hand Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com
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We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I've followed the rules—so why doesn't my Retirement Plan feel safe?” https://www.youtube.com/live/gFQYEJWlWpI Bruce gave me the look that says, “Let's tell the truth.” Because we've seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn't. Markets don't ask permission. Inflation doesn't use a calendar. Life throws curveballs, blessings, and bills. If your Retirement Plan only survives in a spreadsheet, it's not a plan—it's a hope. Today, let's trade hope for structure and anxiety for action. What You'll Gain From This GuideYour Retirement Plan Isn't Just Math—It's LifeRetirement Planning Risks You Can't IgnoreSequence of Returns RiskInflation and the Cost-of-Living SqueezeTaxes (The Leak You Don't See)Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a GuaranteeThe Cash-Flow ToolkitFoundations — Guaranteed Income in RetirementFlexibility — Cash Value Life InsuranceDiversifiers — Alternative Income InvestmentsRetirement Plan Buckets Liquidity / “Free” Bucket (safety net)Income Bucket (essentials)Growth / Equity Bucket (long-term engine)Estate / Legacy Layer (optional)Taxes: Design for Control, Not SurpriseBehavior, Purpose, and Work You LoveInfinite Banking—Where It Fits in a Retirement PlanWhat Makes a Strong Retirement Plan?Take the Next StepBook A Strategy CallFAQWhat makes a strong retirement plan?Is the 4% rule safe for my retirement plan?How do taxes impact my retirement plan?Can whole life fit into a retirement plan?What are retirement income buckets?How can I protect my retirement from inflation?What's the role of annuities vs bonds in a retirement plan?Who qualifies as an accredited investor? What You'll Gain From This Guide In this article, Bruce and I break down what actually makes a strong Retirement Plan for real families: Why accumulation-only thinking creates a false sense of security—and how to pivot toward reliable income. The big retirement planning risks to plan for: sequence of returns risk, inflation and retirement, and taxes. Why the 4% rule retirement guideline is a starting point, not a promise. How to use retirement income buckets—in the same language we used on the show—to avoid selling at the worst time. Where guaranteed income in retirement, cash value life insurance, and (when appropriate) alternative income fit. How Roth conversions, withdrawal sequencing, and structure put you back in control. You'll walk away with a practical framework to move from “big balance” thinking to a Retirement Plan you can live on—calmly. Your Retirement Plan Isn't Just Math—It's Life Static models vs dynamic lives.As Bruce said, no family is static. Monte Carlo averages over 50–100 years don't describe your next 20. Averages hide timing risk. If poor returns arrive early while you're withdrawing, “average” performance won't save the plan—cash flow will. From accumulation to income.Most of us were trained to chase a number. But the goal of a Retirement Plan isn't a pile—it's predictable cash flow you can spend without gutting your future. That shift—from “How big?” to “How dependable?”—changes the tools you choose and the peace you feel. Use the LIFE purpose filter.We run every dollar through a purpose lens: Liquid, Income, Flexible, Estate. When each bucket has a job, decisions get simpler and outcomes get sturdier. Retirement Planning Risks You Can't Ignore Sequence of Returns Risk How Your Retirement Plan Avoids Selling Low Sequence risk is the danger of bad returns showing up early in retirement. If your portfolio drops while you're taking income, you must sell more shares to fund the same lifestyle. That shrinks the engine that's supposed to recover—and can cut years off a plan. Your protection: hold dedicated reserves and reliable income so market dips don't force sales. (We'll detail our buckets in a moment—exactly as we discussed on the show.) Inflation and the Cost-of-Living Squeeze Build Inflation Awareness Into Your Retirement Plan Prices don't rise politely. Even modest inflation, compounded, squeezes fixed withdrawals. Bond yields, dividend cuts, and rising living costs can collide. Your protection: blend growth and income that can adjust, avoid locking everything into fixed payouts that lose purchasing power, and review spending annually so your Retirement Plan keeps pace with reality. Taxes (The Leak You Don't See) Retirement Plan Tax Strategy & Withdrawal Sequencing Withdrawals from tax-deferred accounts are ordinary income. That can: Push you into higher brackets Trigger IRMAA Medicare surcharges Increase the taxation of Social Security Complicate capital gains planning Your protection: design taxable, tax-deferred, and tax-free buckets; use Roth conversions in favorable years; and sequence withdrawals to manage brackets and RMDs—not the other way around. Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a Guarantee Stress-Test Withdrawal Rates You Can Actually Live With We don't hate the 4% rule; we just refuse to outsource your life to it. Yields, inflation, fees, and timing change the math. When low-yield years pushed chatter toward “2.8%,” it proved the point. A better approach: Stress-test 3%–5% withdrawal rates. Add non-market income (pensions, annuities vs bonds, business/real-asset cash flow). Keep dedicated reserves so you don't sell at the bottom. Turn a rule of thumb into a plan. The Cash-Flow Toolkit Foundations — Guaranteed Income in Retirement Cover Essentials, Then Take Prudent Risk A predictable floor is priceless. Pensions, Social Security, and income annuities can cover core expenses so volatility doesn't dictate your grocery list. You trade some upside for contractual certainty—and many families prefer sleeping well to chasing every basis point. Flexibility — Cash Value Life Insurance Downturn Buffer, Tax-Advantaged Access, and Legacy Backfill Done properly, this can strengthen a plan: Downturn buffer: use cash value to fund spending during market slides—avoid selling equities at a loss. Tax-advantaged access: policy loans/distributions (managed correctly) can supplement income without spiking taxable income. Legacy backfill: the death benefit protects a spouse and replenishes assets for heirs, letting you spend with confidence. This is one reason infinite banking retirement thinking resonates: control and optionality matter when life isn't linear. Diversifiers — Alternative Income Investments Accredited Investor Rules, Liquidity, and Position Size For those who qualify under accredited investor rules, private credit, income-oriented real estate, or operating businesses can provide alternative income investments with lower correlation to public markets. They're not risk-free and often lack daily liquidity—so size positions prudently. The draw is simple: steadier cash flow vs accumulation. Retirement Plan Buckets We didn't frame them by time horizons on the episode; we framed them by purpose. Here's the exact structure we discussed and use with families: Liquidity / “Free” Bucket (safety net) Cash, money market, CDs, cash value life insurance.Purpose: fund spending and surprises without touching equities during a downturn; bridge timing gaps so sequence risk doesn't bite. Income Bucket (essentials) Social Security, pensions, annuity income, bond ladders, durable dividend payers.Purpose: dependable monthly cash flow for core lifestyle needs so markets don't control your paycheck. Growth / Equity Bucket (long-term engine) Broad equity exposure and other long-term growth assets.Purpose: outpace inflation and periodically refill income/liquidity buckets. Estate / Legacy Layer (optional) Life insurance death benefit, beneficiary designations, trusts.Purpose: protect a spouse and pass values + capital with clarity. Taxes: Design for Control, Not Surprise Roth conversions:Convert slices of tax-deferred money when brackets are favorable to grow your tax-free bucket. Withdrawal sequencing:Blend taxable/Roth/tax-deferred withdrawals to target bracket thresholds, manage IRMAA, and soften RMDs later. Give with intention:If charitable, consider appreciated assets or bunching strategies; align with your estate plan. We also coordinate tax buckets—taxable, tax-deferred, and tax-free (Roth/cash value)—so your Retirement Plan controls brackets, IRMAA, and RMDs rather than the other way around. A tax-smart Retirement Plan can add years of sustainability without asking for more market risk. Behavior, Purpose, and Work You Love Clarity about why the money matters anchors behavior when markets wobble. Travel with grandkids? Fund ministry? Launch a family venture? Purpose steadies the hand. And one more lever: if you enjoy your work, consider delaying full retirement. Each extra year can improve the math dramatically—more contributions, fewer withdrawal years, and potentially higher Social Security benefits. Infinite Banking—Where It Fits in a Retirement Plan Lenders profit from your lifetime financing. Strengthening your family's “bank” can keep more control in your hands: Finance major purchases through your system rather than outside lenders—recapture more interest. Maintain cash value as a volatility buffer. Use the death benefit to protect a spouse and fund legacy goals. It's not magic. It's discipline and design—complementary to the rest of your Retirement Plan. What Makes a Strong Retirement Plan? Built for dynamic lives, not static spreadsheets. Prioritizes cash flow you can spend, not just a big balance. Plans around sequence risk, inflation, and taxes—on purpose.
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Full set here: https://podcasts.apple.com/us/podcast/jeff-mills-dj-mix-set-at-liquid-room-30-years-anniversary/id1570311853?i=1000737901244 Subscribe to listen to Techno music DJ Mix, Tech House music, Deep House, Acid Techno, and Minimal Techno.
Recorded 2025-11-22 12:58:56
Today's guest is Antti Ilmanen, Global Co-head of the Portfolio Solutions Group at AQR Capital Management. In today's episode, Antti discusses the complexities of investment returns, the importance of understanding both objective and subjective expectations, and the dangers of relying on past performance as a guide for future investments. We explore the current state of the US market, the role of diversifiers in portfolios, and the behavioral biases that affect investor decisions. Antti also contrasts the behaviors of bond investors, which tend to be more contrarian, and equity investors, which tend to extrapolate. (0:00) Starts (1:13) Humility in forecasting market expectations (8:26) Comparing institutional and retail investor behavior (24:33) Sentiment analysis in markets (36:18) Bond vs. equity investor mindsets (48:11) Liquid vs. illiquid alternative investments (56:26) The diversification benefits of trend following ----- Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Follow The Idea Farm: X | LinkedIn | Instagram | TikTok ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more. ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here! ----- Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Learn more about your ad choices. Visit megaphone.fm/adchoices