Podcasts about morningstar

Investing SkepticallyHow to evaluate you mutual funds my going to Morningstar dot com. Why Index funds are MAGIC. The effects of turnover and taxes on your investments. Also, how costs eat away at your investmentsTerm Life Insurance. I explain how return of premium term life insurance works. They might give you all of the money back but, they keep all of the profitsUpdate / clarification or withdrawal ideas

Goal-setting is essential for personal and professional growth, helping individuals clarify their priorities, stay focused, and achieve success. We are pleased to welcome guests Samantha Lamas and Danielle Labotka to help us unpack the topic of goal-setting and how it relates to finance. Samantha Lamas is a Senior Behavioural Researcher at Morningstar and a recipient of the Montgomery-Warschauer Award for her research in financial planning. Her work centres on investor engagement and the factors that influence an individual's decisions when it comes to investing and managing their finances. As a Behavioral Scientist at Morningstar, Danielle Labotka examines the impact of various cognitive and linguistic factors on investors' financial decisions. Her research involves studying investors' behaviours, preferences, and attitudes in both everyday and financial planning situations. In our conversation with Samantha and Danielle, we gain insights into financial behaviour and decision-making, the biggest barriers to goal-setting, what deeper goals are, and how to focus on them. Then, we speak to Mark McGrath, who is licensed in insurance, holds several professional designations, including a Chartered Investment Manager and a Certified Financial Planner (CFP), and has more than a decade of experience in the industry. Mark tells us the emotional story about his dad, what motivated him to share his experience, and why you need to start thinking about retirement now. Finally, we review a past episode with Dennis Moseley Williams, a book from Will Storr, and go through feedback from the Rational Reminder community. Tune in now! Content Warning: Some of the discussion in this episode is about suicide. If you or someone you know is struggling with thoughts about self-harm, help is available. In Canada: 1.833.456.4566 or at https://suicideprevention.ca/resources/   Key Points From This Episode:   •    How we became acquainted with the Morningstar team and background about our guests. (0:02:29) •    An outline of the common obstacles faced in identifying the correct goals, and how it impacts financial advisors. (0:06:08) •    Danielle explains the approach used to analyze qualitative data and how the results compared to the Rational Reminder findings. (0:09:07) •    How the goals identified changed as respondents progressed through the survey, and insights gained from the process. (0:11:23) •    The main takeaway from the analysis of how people should approach goal-setting and how financial advisors can leverage the research findings. (0:17:53) •    Outline of current gaps and what is the next step for behavioural research. (0:20:59) •    Find out what compelled Mark to share the tweet about his dad and he takes us through the story. (0:23:00) •    How the experience regarding his dad has influenced his work as a financial advisor. (0:40:50) •    Mark shares how the experience has impacted his approach to life. (0:42:25) •    A final takeaway message that Mark has for listeners. (0:44:23) •    Highlights and key takeaways from a past episode with Dennis Moseley Williams. (0:45:52) •    This week's book review of The Status Game, and why it is a must-read. (0:48:44) •    Research findings concerning macro socio-economic status and work ethic. (0:54:03) •    We discuss interesting news and events, riskless assets, the advantages of Twitter, and the latest reviews for the show. (0:57:05)     Participate in our Community Discussion about this Episode: https://community.rationalreminder.ca/t/episode-245-deeper-goals-and-retiring-with-purpose-discussion-thread/22660 Book From Today's Episode: The Status Game: On Human Life and How to Play It — https://amzn.to/40vVLix Links From Today's Episode: Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582.  Rational Reminder Website — https://rationalreminder.ca/ Shop Merch — https://shop.rationalreminder.ca/ Join the Community — https://community.rationalreminder.ca/ Follow us on Twitter — https://twitter.com/RationalRemind Follow us on Instagram — @rationalreminder Benjamin on Twitter — https://twitter.com/benjaminwfelix Cameron on Twitter — https://twitter.com/CameronPassmore Samantha Lamas on Twitter — https://twitter.com/SamanthaLamas4 Mark McGrath on Twitter — https://twitter.com/MarkMcGrathCFP Samantha Lamas on LinkedIn — https://www.linkedin.com/in/slamas/ Mark McGrath on LinkedIn — https://www.linkedin.com/in/markmcgrathcfp/ 'Mining for Goals' — http://static.fmgsuite.com/media/documents/8b5abbe8-0bf5-4321-9a4a-e04a82a11597.pdf

To celebrate Lizzy's one year anniversary of being discarded by her narcissist,  we are re-releasing one of our favorite episodes which discusses the Narcissist's Playbook written by Dana Morningstar.Support the show

In this week's all-new episode of THE IDEALISTS., host and entrepreneur, Melissa Kiguwa speaks with Jessica Zweig is an international award-winning entrepreneur, expert in personal branding, and best-selling author. As the Chief Executive Officer of SimplyBe., Jessica facilitates sold-out workshops and masterminds around the world, and speaks on the power of authentic personal branding to corporations including Google, Blackstone, Morningstar, Salesforce, Motorola, Nike, Verizon, Mars, Pinterest, Bank of America, and more.Highlights:- Jessica starts the conversation by describing the financials woes she endured during the seven years she spent building her first company.- She then describes how after her husband's income suddenly and dramatically reduced a month after their wedding, she was forced to confront her belief that he'd financially save her.- After realizing she would have to save herself, Jessica took steps to build her next company— a personal branding agency that today nets eight figures.- Lastly, Jessica discusses her audacious vision for the world— to activate and remind people of their strength and power.Join the conversation about THE IDEALISTS. and break*through. At our website: https://www.theidealistspodcast.co/On Instagram: @theidealistspodcast_On Twitter: @theidealistspodHelp us to grow! Leave a review of the show on Apple or SpotifyOrder a copy of the*journalWe're sponsored by the London School of Economics @lsegenerate

Our guest on the podcast today is Brad Barrett. Brad is the co-founder of ChooseFI, which is a website focused on achieving financial independence. With Jonathan Mendonsa, Brad is co-host of a popular podcast also called ChooseFI. Brad received his bachelor's degree in accounting from the University of Richmond and became a CPA. He practiced public accounting for years and eventually achieved financial independence by age 35. Brad is passionate about all aspects of personal finance, but especially the topic of scoring good deals on travel, which is a topic we discussed in depth on the podcast.BackgroundBioChooseFIResources and InspirationSmart Couples Finish Rich, by David Bach“The Shockingly Simple Math Behind Early Retirement,” Mr. Money Mustache blog, mrmoneymustache.com, Jan. 13, 2012.Jlcollinsnh.comThe Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life, by JL CollinsFinancial Independence and Real EstateKarsten Jeske: Early Retirement Now“Karsten Jeske: Cracking the Code on Retirement Spending Rates,” The Long View podcast, Morningstar.com, Oct. 14, 2020.Paula Pant: Afford Anything“Paula Pant: A Different Path to Financial Independence,” The Long View podcast, Morningstar.com, Jan. 18, 2022.Coach CarsonBiggerPocketsNick Maggiulli: Of Dollars and Data“Nick Maggiulli: ‘The Biggest Lie in Personal Finance,'” The Long View podcast, Morningstar.com, April 12, 2022.“What to Do With $2.5 Million & Real Estate Update | Scott Trench | Ep 426,” ChooseFI podcast, choosefi.com, Feb. 26, 2023.Travel HacksChooseFi.com/travel“The Ultimate Guide to Credit Card Travel Rewards | Part 1,” by Jonathan Mendonsa, choosefi.com, April 3, 2022.The Points GuyView From the WingMillion Mile SecretsTravel Miles 101

Scripture: Colossians 2:1-7

Jessica Zweig is the CEO of the SimplyBe. Agency, an internationally award winning personal branding firm with offices in Chicago and Nashville, serving clients across the globe.  She is the author of #1 best selling book, “Be. - A No B.S. Guide to Increasing Your Self Worth and Net Worth by Simply Being Yourself,” published by Sounds True (Macmillan). Jessica was named a Personal Branding Expert by Forbes, 2020's Most Notable Entrepreneur by Crain's, the 2018 and 2019 Stevie® Award winner for “Female Entrepreneur of the Year,” and a Top Digital Marketer to Watch by Inc. The SimplyBe. Agency helps its clients, ranging from corporate executives to entrepreneurs and creatives, in becoming recognized industry experts and thought leaders. Jessica facilitates sold- out workshops and global masterminds, speaking on the power of personal branding to corporations such as Google, Verizon, Salesforce, Pinterest, Morningstar, Mars, Blackstone, EQ Office, Motorola, Beam Suntory, Nike, Red Bull, the Chicago Tribune, Virgin, Bank of America, Long & Foster, Christie's International Real Estate, Fidelity, and more.Her work has been featured in the Washington Post, MarketWatch, Business Insider, Thrive Global and Create + Cultivate, among others. She is a regular correspondent on FOX, ABC, NBC, and WCIU networks as a personal branding and social media expert. She also hosts the top-ranked branding podcast, “The SimplyBe. Podcast,” where she interviews today's top entrepreneurs, CEOs, influencers, thought leaders, and authors on how to build your brand and live your best, most authentic life.On a mission to debunk the perception that personal branding is an act of vanity, Jessica believes that, when done right, personal branding is an act of service, a social responsibility, and a positive investment toward a positive future.About Renaissance Marketing Group: Renaissance Marketing Group is a full-service social media marketing agency based in Nashville. The Renaissance team is made up of a talented group of passionate creatives and marketers, committed to the success of their clients and passionate about helping business owners succeed. Founded in 2014, the woman-owned company delivers proven social media marketing results. Their services include social media management, content creation, paid digital advertising, email marketing, influencer marketing, graphic design, branding, professional photography and videography, digital marketing strategy, podcast production, and more. Renaissance is committed to influencing optimal revenue and online growth, while exceeding their client's expectations. In 2021, Renaissance announced the launch of their nonprofit, The Mona Lisa Foundation. The Mona Lisa Foundation was created from a love and passion for supporting women on their entrepreneurial journeys and focuses on offering mentorship, marketing, and business education, grant money, and community to Nashville-based women business owners.Renaissance is the host of the Renaissance Women's Summit, a day-long conference for women entrepreneurs looking to level up in all areas of their business. Learn more: www.renaissancemarketinggroup.com

Scripture: Colossians 1:24-29

Welcome to Part 1 of episode #44 of the Fiduciary U™ Podcast.  I've broken this one into 2 parts so make sure to check both of them out. You won't want to miss either one.My guest on this episode is John Faustino, who is the Head of FI360. John has become a good friend and incredible mentor of mine as I have pivoted into the fintech world, and we had a great conversation where we covered a lot of ground. John has a 30+ year career in the fintech industry, first at Morningstar, then moving Fi360 as Chief Product & Strategy Officer, and continuing as the organizational leader after its acquisition by Broadridge.On this episode, we discuss topics that range from how the technology landscape for advisors is evolving, the trend towards collaboration and partnership between fintech providers which is leading to a better experience for end users, the generational differences between advisors and how this impact technology adoption, how technology is empowering new solutions like guaranteed income and ESG, why the trend towards fiduciary practices and principles is going to accelerate and much more. Make sure to listen to Parts 1 & 2 with your favorite podcast app!

Welcome to Part 2 of episode #44 of the Fiduciary U™ Podcast.  My guest on this episode is John Faustino, who is the Head of FI360. John has become a good friend and incredible mentor of mine as I have pivoted into the fintech world, and we had a great conversation where we covered a lot of ground. John has a 30+ year career in the fintech industry, first at Morningstar, then moving Fi360 as Chief Product & Strategy Officer, and continuing as the organizational leader after its acquisition by Broadridge.On this episode, we discuss topics that range from how the technology landscape for advisors is evolving, the trend towards collaboration and partnership between fintech providers which is leading to a better experience for end users, the generational differences between advisors and how this impact technology adoption, how technology is empowering new solutions like guaranteed income and ESG, why the trend towards fiduciary practices and principles is going to accelerate and much more. Make sure to listen to Parts 1 & 2 with your favorite podcast app!

Scripture: Colossians 1:24-29

Mere Simulacrity, Session 11 We are in the midst of transitioning from an objectively true, historically consistent, analogue world and into a world that is subjectively purposed, revolutionary, and digital in construct. In fact, more so than ever before, we are in a period of time where the “what is” is being demonized and the wizard's trick of “what it should be” is being lauded as a preferred pathway to the real. A hyperreal world of dreams, visions, technology and digital realization is in many ways attempting to take the place of what mankind has always called “reality.” In the late second century, the Christian Bishop, Irenaeus of Lyon, confronted the Gnostic parasitic cult of Valentinus which proposed that this physical world was a “prison” by which men and women needed to be liberated through Gnostic faith and practice. More specifically understood as “anticosmicism”, the Gnostics proclaimed the belief that the objectively knowable world is inherently evil and opposed to the divine. In the Gnostic formulation of their transformed Christianity, true divinity was not the essence of this real, natural world, but its negation and cancellation. Irenaeus of Lyon warned Christians that this parasitic religion of Gnosticism was a religion masquerading as the Gospel but in reality was a simulacrum of true Christianity: “Error, indeed is never set forth in its naked deformity, lest, being thus exposed, it should at once be detected. But it is craftily decked out in an attractive dress, so as, by its outward form, to make it appear to the inexperienced more true than truth itself.” -Irenaeus of Lyons, AD 180 The Gnostics did not seek harmony with the natural world or with the normative Christian understanding of cultivation and dominion. Instead, the Gnostics attempted to parasitically transform the established Christian faith that sought harmony with God's creation and instead promoted the false concept of the mystical, otherworldly insight that our world must be seen as unnatural and even anti-natural. The natural, in the Gnostic sense, was only available to those that have embraced special knowledge or what can be described as a critical consciousness of the natural world. The way that things are in a natural sense to the Gnostics was “imprisonment” and the mystical otherness of what was not naturally attainable was “liberation.” If you were a woman in the natural and objectively knowable world, in the spiritually anti-natural world the woman's true self was actually that of a man who has been imprisoned by the Demiurgic forces of the natural world. This denial of the objectively real and knowable experienced a renaissance in the 18th and 19th centuries through the works of Swedenborg, Kant, Hegel and eventually Karl Marx. As Dr. James Lindsay has explained at Sovereign Nation's conferences in the past, Marxism is a Neo-Gnostic theology where Man is made to realize he is his own Creator, his own true Sun that revolves around itself. Marx sees himself as the light-bringer, Lucifer, the Morning Star, that awakens this Gnostic consciousness and rebels against God and order. It has continued to this day with further gain of function through Horkheimer, Adorno, Marcuse and a host of other Neo-Marxists who have embraced unreality and rejected objective standards for truth, life, and human existence. In this powerful presentation from the Sovereign Nation's Mere Simulacrity Conference, Michael O'Fallon explains how the spectre of Gnosticism has been infused into our culture, our faith, and our world. https://sovereignnations.com Support Sovereign Nations: https://paypal.me/sovnations https://patreon.com/sovnations Follow Sovereign Nations: https://sovereignnations.com/subscribe/ © 2023 Sovereign Nations. All rights reserved. #sovereignnations #michaelofallon #4thindustrialrevolution

Scripture: Colossians 1:15-23

Scripture: Colossians 1:15-23

Our guest on the podcast today is financial journalist and certified financial planner, Robert Powell. His work appears regularly in MarketWatch.com, USA TODAY, TheStreet.com, The Wall Street Journal, and AARP. Bob also serves as the director of Retirement Education at Sensible Money and as editor in chief of the Investments and Wealth Institute's Retirement Management Journal. He is also an instructor in Salem State University's Online Elder Planning Specialist program. In addition, Bob hosts two podcasts himself: the Investments and Wealth Institute's Exceptional Advisor podcast and the Callaway Climate Insights podcast. He received his bachelor's degree from Marquette University and a master's degree from Boston University.BackgroundBioTwitter handle: @RetirementpediaThe Exceptional Advisor podcastCallaway Climate InsightsCurrent Environment“60/40 Portfolio—Dead or Alive?” by Robert Powell, marketwatch.com, Jan. 11, 2023.Tony Davidow“Common Retirement Questions: Should I Be More Conservative With My Portfolio?” by Mer Brown, the street.com, Dec. 23, 2022.“Estimating the True Cost of Retirement,” by David Blanchett, Morningstar.com, Nov. 5, 2013.“The Bucket Approach to Building a Retirement Portfolio,” by Christine Benz, morningstar.com, Nov. 23, 2022.“Spending Trajectories After Age 65,” by Michael Hurd and Susann Rohwedder, rand.org, 2022.Decumulation“Why Target-Date Funds May Be Sabotaging Your Retirement,” by Robert Powell, marketwatch.com, Aug. 17, 2022.“What Is the Average Retirement Age?” by Emily Brandon, money.usnews.com, July 26, 2022.“2018 Retirement Confidence Survey,” Employee Benefit Research Institute, ebri.org, April 24, 2018.Retirement Income Style Awareness Profile (the RISA®)“Managing Post-Retirement Risks: A Guide to Retirement Planning,” Society of Actuaries, soa.org, 2011.“Saving for Retirement Is Easy Enough—Spending It Is More Complicated,” by Robert Powell, marketwatch.com, March 26, 2022.AnnuitiesMoshe Milevsky“Retirement Spending and Biological Age,” by M.A. Milevsky, H. Huang, and T.S. Salisbury, moshemilevsky.com, Sept. 20, 2017.“Retirement Income for Life: 4-Box Strategy,” by Robert Powell, marketwatch.com, Nov. 8, 2012.Social Security“How to Claim Social Security at the Right Time,” by Robert Powell, marketwatch.com, Aug. 28, 2021.“Do the Math. Here's Why You Shouldn't Claim Social Security at Age 62,” by Robert Powell, usatoday.com, Aug. 9, 2019.“Who Does Social Security Provide Benefits To? It's Not Just the Elderly Who Qualify,” by Robert Powell, usatoday.com, Jan. 10, 2023.Long-Term Care“Planning for Unexpected Health Care Costs in Retirement,” by Sudipto Banerjee, troweprice.com, March 2022.“A New Way to Calculate Retirement Health Care Costs,” by Sudipto Banerjee, troweprice.com, February 2020.“Cumulative Out-of-Pocket Health Care Expenses After the Age of 70,” by Sudipto Banerjee, ebri.org, April 3, 2018.“Are Healthcare Costs in Retirement Overwhelming?” by Robert Powell, fa-mag.com, Nov. 1, 2022.“Planning for Health Care Costs in Retirement,” Vanguard Research and Mercer Health & Benefits, vanguard.com, June 2021.OtherElder Planning Specialist Program

Scripture: Colossians 1:9-14

To celebrate Lizzy's one year anniversary of being discarded by her narcissist,  we are re-releasing one of our favorite episodes which discusses the Narcissist's Playbook written by Dana Morningstar.Support the show

Scripture: Colossians 1:9-14

We're joined by Nathan Zaia, Senior Equity Analyst who covers the Australian banking sector. He shares his thoughts on the current turmoil, how interest rates impact bank valuations and his outlook for the sector.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Sustainable investment providers in some cases have had to rethink what types of holdings are acceptable — including controversial areas like oil and weapons. The energy crisis that resulted from the war has also put sustainable funds at a disadvantage, and many have underperformed the broader market.Alyssa Stankiewicz, associate director of sustainability research at Morningstar, talks about how fund providers are adjusting to these conditions and how ESG is performing at a difficult time.Plus, Paul and Emile discuss one of the latest developments in an anti-ESG push from Republicans — votes by Congress to undo the Department of Labor's new rule governing the use of ESG in retirement plans.Guest Bio:Alyssa Stankiewicz is an associate director for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar, Inc. She leads environmental, social, and governance research in North America, spearheading efforts on the ESG Commitment Level and publishing reports on the sustainable funds landscape.Before joining Morningstar in 2019, Stankiewicz completed her Master of Business Administration in sustainable innovation at the University of Vermont, where she and her teammates won the inaugural Total Impact Portfolio Challenge. She also holds bachelor's degrees in Spanish and linguistics from Earlham College.

In today's episode, Allie McCallion and Charity Blue, members of Morningstar Inc's sustainability team, discuss pay equity and three undervalued companies that are leading the charge. Timestamps00:00 Introduction00:27 Broadcom rides AI wave01:41 Costco shows resilience02:15 Eli Lilly cuts insulin costs03:55 Morningstar's internal sustainability team joins Investing Insights to discuss Equal Pay Day04:29 Where do women's earnings in the U.S. stand compared to men?05:30 What has research shown when companies practice pay equity?06:16 What did your team look for when they reviewed pay equity practices among big U.S. companies?07:06 3 Undervalued Stocks That Stress Equal Pay11:35 Should You Buy Stocks or a 4% CD?Read about topics from this episode.Broadcom Riding AI Wave to Robust Networking Sales in 2023; Raising FVE to $640 Per Sharehttps://www.morningstar.com/stocks/xnas/avgo/quoteCostco's Resilience Proves Its Ongoing Relevance and Brand Strength; Shares Fairly Valuedhttps://www.morningstar.com/stocks/xnas/cost/quoteEli Lilly's Insulin Price Cut Should Address Government's Critical Eye; but no Impact on FVEhttps://www.morningstar.com/stocks/xnys/lly/quote3 Stocks That Stress Equal Pay as We Observe International Women's Dayhttps://www.morningstar.com/articles/1141925/3-stocks-that-stress-equal-pay-as-we-observe-international-womens-dayRead what our team is writing:Allie McCallion https://www.morningstar.com/authors/2642/allie-mccallionCharity Blue https://www.morningstar.com/authors/2662/charity-blueChristine Benz  https://www.morningstar.com/authors/30/christine-benzSusan Dziubinski https://www.morningstar.com/authors/12/susan-dziubinskiFollow us on social media.Ivanna Hampton on Twitter: @ivannahampton Christine Benz on Twitter: @Christine_Benz Facebook: https://www.facebook.com/MorningstarInc/    Twitter: https://twitter.com/MorningstarInc    Instagram: https://www.instagram.com/morningstarinc/  LinkedIn: https://www.linkedin.com/company/5161/    

Scripture: Colossians 1:1-8

09 March 2023. Al Ansari Financial Services has announced plans for an IPO - the first Dubai listing of 2023. We get the details from Sameer Lakhani of Global Capital Partners and Andrew Tarbuck of Al Tamimi & Co. Plus, we discuss off-plan properties and their popularity in the UAE real estate market with Clementine Munro of Espace. And, we'll look at what Fed chair Jay Powell's comments could mean for interest rates with Morning Star.See omnystudio.com/listener for privacy information.

Scripture: Colossians 1:1-8

Scripture: Joshua 24:1-33

A new player enters the field as Leonidas decides to deal with the Cyber-runners once and for all. Just a guy stands in their way as Trevor takes a mission and comes to have a chat... with the Morningstar. Trevor puts his life on the line.Cover Artwork by:Brian. Find out more at Dungeons and Pop! Want to talk to some of the cast and maybe play a oneshot or two? Join us at the Dungeons and Pop Social Club! Want to give us a review, hit us up on Podchaser! Buy us a cup of coffee on Ko-fi!

James Choi, a professor of finance at Yale University, discusses his recent study on 'Popular Personal Financial Advice versus the Professors' -- which examines the recommendations of personalities like Suze Orman and Dave Ramsey compared to the standards of economists - -and discusses how the standard advice of saving 10 percent (or as much as possible) of your income from the beginnings of your working life leads to more times of struggle and no less in assets come retirement compared to smoothing savings out more proportionately against income over a lifetime spent saving, earning and spending.  Also on the show, Jeremy Pagan, equity research analyst at Morningstar discusses his recent analysis on the pros and cons of investing in REITs versus putting money directly into real estate in a rising-rate environment and, in the Market Call, Chris Natividad, chief investment officer at Equbot -- which runs the AI Powered Equity ETF -- talks about using artificial intelligence as a means of picking stocks.

Our guest this week is Lubos Pastor. He is the Charles P. McQuaid Professor of Finance at the University of Chicago Booth School of Business, where he's taught since 1999. Pastor is a leading researcher on financial markets and asset management, publishing numerous award-winning papers that have been widely cited in academic finance literature. His research spans a number of areas, including liquidity risk, return predictability, active fund performance, and more. Pastor serves as a director of the Center for Research in Security Prices and is a member of the board of the Fama-Miller Center for Research in Finance. He also holds various positions outside of the Booth School, including serving as a member of the bank board of the National Bank of Slovakia. He received his doctorate in finance from the Wharton School at the University of Pennsylvania.BackgroundBioResearchResearch and StocksThe Journal of FinanceJournal of Financial EconomicsThe Review of Financial StudiesThe Journal of Portfolio ManagementJournal of Investment ManagementFinancial Analysts JournalSocial Science Research Network“Are Stocks Really Less Volatile in the Long Run?” by Lubos Pastor and Robert F. Stambaugh, National Bureau of Economic Research, December 2011.ESG“Dissecting Green Returns,” by Lubos Pastor, Robert F. Stambaugh, and Lucian A. Taylor, SSRN, June 15, 2022.“Sustainable Investing in Equilibrium,” by Lubos Pastor, Robert F. Stambaugh, and Lucian A. Taylor, SSRN, Aug. 12, 2020.Myth-Busting“Mutual Fund Performance and Flows During the COVID-19 Crisis,” by Lubos Pastor and Blair Vorsatz, SSRN, Aug. 14, 2020.“Mutual Fund Performance: An Empirical Decomposition Into Stock-Picking Talent, Style, Transaction Costs, and Expenses: Discussion,” by Tobias Moskowitz, The Journal of Finance, 2000.“Scale and Skill in Active Management,” by Lubos Pastor, Robert F. Stambaugh, and Lucian A. Taylor, SSRN, Aug. 11, 2020.Factors and Liquidity“Liquidity Risk and Expected Stock Returns,” by Lubos Pastor and Robert F. Stambaugh, SSRN, Aug. 17, 2001.“Liquidity Risk After 20 Years,” by Lubos Pastor and Robert F. Stambaugh, SSRN, May 10, 2019.“Steering a Ship in Illiquid Waters: Active Management of Passive Funds,” by Naz Koont, Yiming Ma, Lubos Pastor, and Yao Zeng, SSRN, Feb. 2, 2023.Manager Selection“Judging Fund Managers by the Company They Keep,” by Randolph B. Cohen, Joshua D. Coval, and Lubos Pastor, SSRN, July 30, 2022.“How Long Can a Good Fund Underperform?” by Maciej Kowara and Paul Kaplan, Morningstar.com, Aug. 17, 2018.“Diseconomies of Scale in Active Management: Robust Evidence,” by Lubos Pastor, Robert F. Stambaugh, Lucian A. Taylor, and Min Zhu, SSRN, July 16, 2021.Other“Political Cycles and Stock Returns,” by Lubos Pastor and Pietro Veronesi, SSRN, May 28, 2019.“Fifty Shades of QE: Comparing Findings of Central Bankers and Academics,” by Brian Fabo, Martina Jancokova, Elisabeth Kempf, and Lubos Pastor, SSRN, April 8, 2021.

Scripture: Joshua 24:1-33

Scripture: Joshua 23:1-16

Scripture: Joshua 23:1-16

In today's episode, Jakir Hossain, a data journalist for Morningstar Inc., talks about the AI-powered chatbot, ChatGPT, and where to look for AI investing opportunities. Timestamps00:06 Introduction 00:31 Berkshire Hathaway's rocky results01:24 Domino's trims sales growth outlook02:20 Intel cuts quarterly dividend03:53 What ChatGPT is and how does it work?04:39 What do Morningstar analysts say about how Google and Microsoft are planning to use chatbots?06:17 Companies like Salesforce and Adobe, they're also using AI. Can you describe how they're doing it?08:13 Artificial intelligence has been around for some time. What are some thoughts within Morningstar about this new phase of AI??09:34 What do Morningstar analysts say about how to take advantage of AI technology right now?13:14 How IRA Investors Can Avoid the 'Procrastination Penalty'     Read about topics from this episode. Berkshire Hathaway Shows Solid Operating Results Offsetting Unrealized Losses From InvestmentsIntel's Dividend Cut Frees Up Cash, but Execution Risk Remains PalpableHow to Invest in the Right AI StocksHow IRA Investors Can Avoid the ‘Procrastination Penalty'What to watch from Morningstar.Should You Fund Your 401(k) First or Your IRA?With IRA Deadline Looming, Don't Make These Mistakes Could Meta Make a Comeback? How Secure Act. 2.0 Changes RMD Rules  Read what our team is writing:Jakir HossainChristine Benz Follow us on social media.Ivanna Hampton on Twitter: @ivannahamptonJakir Hossain on Twitter: @JakirMHossainChristine Benz on Twitter: @Christine_BenzFacebook: https://www.facebook.com/MorningstarInc/   Twitter: https://twitter.com/MorningstarInc   Instagram: https://www.instagram.com/morningstarinc/ LinkedIn: https://www.linkedin.com/company/5161/   

Warren Buffet readily admits “I make many mistakes” when referencing his own investment portfolio. This begs the question, where does that leave the rest of us? We know that today's market uncertainty can surface the best and worst of our investing behaviors. For financial advisors, what are some of the behavioral pitfalls to avoid for clients? And what opportunities can you seize? We're joined by two experts to help us dig into these important questions - Michael Laughlin, Head of Portfolio Specialists, and Samantha Lamas, Senior Behavioral Researcher at Morningstar.

With the constant evolution of the asset management industry, investors need to stay a step ahead to justify earning an active management fee. With over 40 years of experience in the industry, this is a lesson that today's guest, Bill Nygren of Harris Associates, instills in the younger analysts he mentors.   Bill is a true legend of value investing and an investor you can turn to whenever the market is uncertain. He radiates fundamental ideas and has an expansive perspective on the comings and goings of the market and the economy at large.    Bill is the Chief Investment Officer for US equities at Harris Associates, which he joined in 1983, and a vice president of the Oakmark Funds. He has been a manager of the Oakmark Select Fund since 1996, Oakmark Fund since 2000, and the Oakmark Global Select Fund since 2006. Bill served as the firm's director of research from 1990 to 1998. He has received many accolades during his investment career, including being named Morningstar's Domestic Stock Manager of the Year for 2001, and he holds an M.S. in Finance from the University of Wisconsin's Applied Security Analysis Program (1981) and a B.S. in accounting from the University of Minnesota (1980).   In this episode, Bill, Michael, and I discuss why Bill was drawn to value investing, why generalist analysts transition more easily to portfolio manager than specialists, his approach to idea generation and portfolio construction, pivoting in times of crisis and great distress, recession insights from over 40 years of experience, and so much more! Key Topics:   Welcome Bill to the show (1:09) Bill's lifelong fascination with the line between gambling and investing (2:17) Why Bill was drawn to value investing (4:51) The importance of working at a firm that shares your investment philosophy (6:26) Why generalist analysts transition more easily to portfolio manager than industry specialists (9:36) Dealing with industry intricacies as a generalist analyst (14:05) Harris Associates' approach to idea generation (15:55) What it's like to be an analyst at Harris Associates (18:31) Why Harris uses multiple techniques to define value (24:25) Looking at management's attitude towards capital redeployment (26:33) Harris' maintenance process and error recognition methods (30:08) Bill's thoughts on the news of Microsoft's massive investment into OpenAI(32:53) Pivoting in times of crisis and great distress (36:38) Capital One as a case study of a stock that represents a good investment opportunity today (41:25) Recession insights from over 40 years of industry experience (44:02) Thinking about the effect of the current interest rate environment (48:35) Criteria for portfolio construction and position sizing (49:52) The evolving opportunity set (53:21) Identifying anomalies in GAAP accounting (55:44) The things that keep Bill up at night and excited about the future (59:31) Bill's book recommendations (1:02:04) And much more! Mentioned in this Episode:   Harris Associates Oakmark Funds Michael Dell's Book | Play Nice But Win: A CEO's Journey from Founder to Leader John Mack's Book | Up Close and All In: Life Lessons from a Wall Street Warrior Joe Maddon & Tom Verducci's Book | The Book of Joe: Trying Not to Suck at Baseball and Life   Thanks for Listening!   Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at valueinvesting@gsb.columbia.edu.   Follow the Heilbrunn Center on social media on Instagram, LinkedIn, and more!

Scripture: Joshua 22:1-34

I had a great time chatting with Doug from Sharesight. He's a nice guy and I love using Sharesight myself. It may sound boring but record-keeping is important in share investing and it also gives you insights that can make you a more profitable investor. We cover a range of topics including:The history of Sharesight and how it worksOld School open-cry markets trading commodities in ChicagoHis previous career at Morningstar and an insight into analysisBenchmarking your portfolio against a broader market indexThe tax treatment of ETFS and those gnarly statementsReducing costsAnnualised performance and how this can help your investingHere's a link to the blog post: https://www.stocksforbeginners.net/blog/dougmorrisPortfolio tracker Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Get 4 months free at https://www.sharesight.com/stocksforbeginnersGet 4 months free on an annual premium plan when you use Sharesight, the award-winning portfolio tracker. Sign up for a free trial today.Sharesight automatically track price, performance and dividends from 240,000+ global stocks, crypto, ETFs and funds. Add cash accounts and property to get the full picture of your portfolio – all in one place.Phil's Linktree: https://linktr.ee/phil_muscatelloStocks for Beginners is a production of Finpods Pty Ltd. The advice shared on Stocks for Beginners is general in nature and does not consider your individual circumstances. Stocks for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

Scripture: Joshua 22:1-34

In this episode of Advisor Revelations, Christine Benz from Morningstar joins David Lau for the 'A Day at DPL' segment to discuss creating intelligent retirement portfolios, consumer retirement readiness and the latest findings in her latest white paper.

Our guest on the podcast today is Stacy Francis. She is president and chief executive officer of Francis Financial, a fee-only financial advisory firm that focuses on serving women, especially those who have experienced divorce or the loss of a loved one. Francis is a certified financial planner, and she's also a certified divorce financial analyst, a divorce financial strategist, and a certified estate and trust specialist. She also founded Savvy Ladies, a nonprofit organization that aims to educate and empower women to take control of their finances. To date, Savvy Ladies has helped over 20,000 women through free one-on-one financial counseling, workshops, and retreats. Francis also hosts her own podcast; it's called Financially Ever After. She earned her bachelor's degree at Middlebury College.BackgroundBioFrancis FinancialSavvy LadiesFinancially Ever After podcastWoman and Money“How Do Women Really Invest?” by Christine Benz, Morningstar.com, March 2, 2021.“100 Must-Know Statistics About Women and Retirement,” by Christine Benz, Morningstar.com, March 3, 2021.“The Biggest Financial Mistake Women Make? Not Investing Enough,” by Arielle O'Shea, The Florida Times-Union, Feb. 15, 2019.“Are Women Better Investors?” by Farnoosh Torabi, farnoosh.tv.com.“Happy Women's History Month—How Can Women Improve Their Financial Wellness,” by Natalie Colley, Francis Financial, March 8, 2022.“Stop Letting Your Man Make These Financial Decisions Without You,” by Dayana Yochim, HerMoney, Oct. 1, 2020.Divorce and Couples“Financial Abuse—The Most Common Type of Abuse That Far Too Many Ignore,” by Stacy Francis, Francis Financial, Sept. 16, 2020.“Financial Abuse Is on the Rise: What It Is and What to Do About It,” by Stacy Francis, Savvy Ladies, Feb. 19, 2023.“Why Financial Advice Is Key Before Beginning Your Divorce,” by Stacy Francis, Francis Financial, Aug. 6, 2020.“Farnoosh Torabi: ‘Money Is Meaningless Without Goals,'” The Long View podcast, Morningstar.com, Sept. 13, 2022.“Why Anyone Getting Married Should Consider a Prenuptial Agreement,” by Julia Rodgers, Savvy Ladies.Divorce Financial Advice for Women: A Free Divorce Resource Guide, Francis Financial.WidowsLastPass“What Do Widows Need to Know About Their Finances When Their Partner Dies,” by Stacy Francis, Francis Financial, Nov. 22, 2021.“Managing Your Finances Through Widow's Fog,” by Stacy Francis, Francis Financial, June 17, 2022.Financial Help for Widows, Francis Financial.

Scripture: Joshua 21:43-45

Scripture: Joshua 21:43-45

Later this year, Vanguard's hybrid ETF/MF patent is expiring, and this is likely to affect the fund market. We're positive on Kraft Heinz and Cisco but expect Roku to lose money for a second straight year in 2023. And finally, to save for retirement, most of us have multiple vehicles at our disposal, including IRAs and 401(k)s. The order in which we fund these accounts matters. Find out more in this week's episode. Timestamps 00:06 Introduction00:36 Kraft Heinz shakes off pressure from inflation01:27 Roku exceeds Q4 expectations02:29 Cisco Systems' core networking business leads the way03:27 Vanguard's Unique Mutual Fund/ETF Structure04:04 In your opinion, what will be the likely impact of this patent expiring on the U.S. ETF space?04:57 How does this hybrid structure work, and what are some of its benefits06:01 On the other hand, what are some of the disadvantages, or drawbacks of the structure?07:31 What does this hybrid structure mean for investors, especially from a tax point of view?09:31 How to Make the Most of Your Retirement        Read about topics from this episode.Kraft Heinz's Top Line Soars on the Heels of Renewed Commitment to Brand Spending; Shares a BargainRoku Posts Strong End to 2022, but Weak Ad Revenue Market Will Hurt 2023 Top-Line GrowthIs Cisco Stock a Buy Today?Will Other Funds Adopt Vanguard's Unique ETF/Mutual Fund Structure?How to Make the Most of Your Retirement Accounts What to watch from Morningstar.With IRA Deadline Looming, Don't Make These MistakesCould Meta Make a Comeback?How Secure Act. 2.0 Changes RMD RulesShould You Buy a House Right Now? Read what our team is writing:Daniel SotiroffSusan DziubinskiChristine Benz Follow us on social media. Ruth Saldanha on Twitter: @KarishmaRuthDaniel Sotiroff on Twitter: @DanielSotiroffChristine Benz on Twitter: @Christine_Benz Facebook: https://www.facebook.com/MorningstarInc/  Twitter: https://twitter.com/MorningstarInc  Instagram: https://www.instagram.com/morningstarinc/LinkedIn: https://www.linkedin.com/company/5161/ 

Scripture: Joshua 20:1-9,Joshua 21:1-45

Today we are spending most of the episode going further into the basic concepts that ground good financial practices and the personal finance topics that are often taken for granted. The three main areas we unpack in this episode are the cost of living, savings capacity, and emergency funds, and though these can be viewed as basic ideas, there are always areas of the simplest variety that deserve more attention. Listeners can also expect to hear a little more about what our role as financial advisors constitutes on a daily basis, as we respond to an audience member's question about how to conceptualize the profession. We welcome Dr. Wendall Mascarenhas back to the show for a brief cameo in which he shares his reading habits and approach with us, which contrasts with some of the opinions often expressed by other guests, so make sure to stay tuned in for that. We also find time for a quick recap of an old episode we had with Rick Ferri and a book review of Rethink Lead Generation by Tom Shapiro.   Key Points From This Episode:   •    Discussing the cost of living and why an accurate picture of your expenses is so important. (0:04:08) •    Working out your saving capacity and when and how to save. (0:21:32) •    General advice for emergency funds and further considerations for households. (0:32:51) •    Recapping our episode with Rick Ferri on his index investing philosophy and the lasting impact of John Bogle. (0:40:21) •    This week's book review of Rethink Lead Generation by Tom Shapiro. (0:42:26) •    Dr. Wendall Mascarenhas talks about his reading habits and his prioritization of reading for pleasure. (0:49:23) •    A few favourite book recommendations from Dr. Wendall Mascarenhas. (0:58:12) •    Current debates around ChatGPT and the sources of its information. (1:06:18) •    Information about upcoming meetups for the Rational Reminder community. (1:09:38) •    Further explorations on our recent goals survey and the input we received from Morningstar. (1:11:00)     Participate in our 23 in 23 Reading Challenge: 23 in 23 Reading Challenge — https://rationalreminder.ca/23in23 23 in 23 Reading Challenge on Beanstalk — https://pwlcapital.beanstack.org/   Links From Today's Episode: Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/ Shop Merch — https://shop.rationalreminder.ca/ Join the Community — https://community.rationalreminder.ca/ Follow us on Twitter — https://twitter.com/RationalRemind Follow us on Instagram — @rationalreminder Benjamin on Twitter — https://twitter.com/benjaminwfelix Cameron on Twitter — https://twitter.com/CameronPassmore Dr. Wendall Mascarenhas — https://www.fcos.ca/meet-dr-mascarenhas/ Teeth & Titanium Podcast — https://podcasts.apple.com/us/podcast/teeth-titanium/id1514989809 Extra References:   Savings capacity 'Popular Personal Financial Advice versus the Professors' — https://www.nber.org/papers/w30395 'The Life-Cycle Model Implies That Most Young People Should Not Save for Retirement' — https://www.aei.org/research-products/journal-publication/the-life-cycle-model-implies-that-most-young-people-should-not-save-for-retirement/ 'Exponential-Growth Bias and Lifecycle Consumption' — https://www.jstor.org/stable/43965317 'Save More Tomorrow™: Using Behavioral Economics to Increase Employee Saving' — https://www.jstor.org/stable/10.1086/380085 Emergency fund 'What Matters to Individual Investors? Evidence from the Horse's Mouth' — https://onlinelibrary.wiley.com/doi/abs/10.1111/jofi.12895 'Millionaires Speak: What Drives Their Personal Investment Decisions?' — https://www.nber.org/papers/w27969 'Emergency savings for low-income consumers' — https://www.irp.wisc.edu/publications/focus/pdfs/foc301c.pdf 'Emergency Saving and Household Hardship' — https://www.researchgate.net/publication/269468202_Emergency_Saving_and_Household_Hardship 'Savings Policy and Decisionmaking in Low-Income Households' — https://www.researchgate.net/publication/289069441_Savings_Policy_and_Decisionmaking_in_Low-Income_Households 'Insufficient Funds: Savings, Assets, Credit, and Banking Among Low-Income Households' — https://www.jstor.org/stable/10.7758/9781610445887 'Financially Fragile Households: Evidence and Implications' — https://www.nber.org/papers/w17072 'One in four Canadians are unable to cover an unexpected expense of $500' —https://www150.statcan.gc.ca/n1/daily-quotidien/230213/dq230213b-eng.htm 'Who Should Buy Long-Term Bonds?' — https://www.jstor.org/stable/2677900 ‘Mental accounting matters' — https://people.bath.ac.uk/mnsrf/Teaching%202011/Thaler-99.pdf 'The Bucket Approach for Retirement: A Suboptimal Behavioral Trick?' — https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3274499 'Should Households Establish Emergency Funds' —https://www.proquest.com/openview/042e8ea8f8e3986ec6c93e5cfca265c0/1?pq-origsite=gscholar&cbl=38873 'Is an All Cash Emergency Fund Strategy Appropriate for All Investors?' — https://www.financialplanningassociation.org/article/all-cash-emergency-fund-strategy-appropriate-all-investors 'Building emergency savings through employer-sponsored rainy-day savings accounts' — https://www.journals.uchicago.edu/doi/full/10.1086/708170 'Double Mental Discounting: When a Single Price Promotion Feels Twice as Nice' — https://journals.sagepub.com/doi/10.1509/jmr.15.0559 'The Role of Mental Accounting in Household Spending and Investing Decisions'  — https://onlinelibrary.wiley.com/doi/10.1002/9781119440895.ch6 'Emergency Savings and Financial Security: Insights from the Making Ends Meet Survey and Consumer Credit Panel' — https://www.consumerfinance.gov/data-research/research-reports/emergency-savings-financial-security-insights-from-making-ends-meet-survey-and-consumer-credit-panel/  

Scripture: Joshua 20:1-9,Joshua 21:1-45

Scripture: Joshua 16:1-10,Joshua 17:1-18,Joshua 18:1-28, 19

Scripture: Joshua 16:1-10,Joshua 17:1-18,Joshua 18:1-28, 19

Our guest on the podcast today is financial and retirement planning expert Derek Tharp. Derek is an assistant professor of finance at the University of Southern Maine, and he's also lead researcher at Kitces.com where he writes about a broad range of financial and retirement planning matters. In addition, Derek is a senior advisor at Income Lab and he's president of a private wealth management firm called Conscious Capital. Derek received his bachelor's degree in finance from Iowa State University and his doctorate in personal financial planning from Kansas State University. He's a certified financial planner, and he's also a chartered life underwriter.BackgroundBioRetirement Withdrawal Rates“The Retirement Distribution ‘Hatchet': Using Risk-Based Guardrails to Project Sustainable Cash Flows,” by Derek Tharp and Justin Fitzpatrick, kitces.com, Nov. 24, 2021.“Using Probability-of-Success-Driven Guardrails to Manage Safe Retirement Spending,” by Derek Tharp, kitces.com, March 3, 2021.“With Retirement-Spending Plans, the Odds Are Stacked in the Investor's Favor,” by John Rekenthaler, Morningstar.com, Jan. 13, 2023.“Justin Fitzpatrick: ‘Retirees Have a Superpower,'” The Long View podcast, Morningstar.com, July 12, 2022.“Retirement Income Guardrails Beyond Withdrawal Rates,” Webinar, incomelaboratory.com, Jan. 12, 2022.“Why 50% Probability of Success Is Actually a Viable Monte Carlo Retirement Projection,” by Derek Tharp, kitces.com, Jan. 6, 2021.“Christine Benz and John Rekenthaler: Revisiting What Is a Safe Retirement Spending Rate After a Tough Year,” The Long View podcast, Morningstar.com, Dec. 20, 2022.“What Is the ‘Retirement Spending Smile'?” by Wade Pfau, retirementresearcher.com.“The Ratcheting Safe Withdrawal Rate—A More Dominant Version of the 4% Rule?” by Michael Kitces, kitces.com, June 3, 2015.“Reframing Monte Carlo Results to Increase Trust in Dynamic Retirement Spending,” by Derek Tharp, kitces.com, June 29, 2022.“Simplifying Retirement Income Planning Visualization Using the ‘Spending Risk Curve,'” by Derek Tharp and Justin Fitzpatrick, kitces.com, April 13, 2022.“The Impact of Decreasing Retirement Spending on Safe Withdrawal Rates,” by Derek Tharp, kitces.com, Feb. 22, 2017.Portfolio Construction and Tax-Loss Harvesting“The Extraordinary Upside Potential of Sequence of Return Risk in Retirement,” by Michael Kitces, kitces.com, Feb. 20, 2019.“Michael Kitces: Does Portfolio Customization Pay Off?” The Long View podcast, Morningstar.com, Aug. 23, 2022.“Tax Loss Harvesting+ Methodology,” by Boris Khentov, betterment.com, Sept. 7, 2021.“Tax-Loss Harvesting Best Practices (and How to Scale It Across a Client Base),” by Ben Henry-Moreland, kitces.com, Sept. 7, 2022.“Quantifying the Value of Tax Loss Harvesting,” by Derek Tharp, retirementprof.com, Jan. 10, 2023.ESG“The Tricky Ethics of Socially Responsible Investing,” by Derek Tharp, wsj.com, Sept. 4, 2017.Robo-Advice“The Value of Robo-Advisor Technology: A Practical Tax-Loss Harvesting Case Study,” by Derek Tharp, retirementprof.com, Jan. 9, 2023.“Why DIY Investors Should Still Use a Robo-Advisor,” by Derek Tharp, retirementprof.com, Dec. 7, 2022.

“Is the 60/40 portfolio dead”? That was a topic making big financial headlines in 2022. But so far this year, media outlets have been walking back on that sentiment. In this episode of Edelman Financial Engines' Everyday Wealth™, Jean talks to Christine Benz, Morningstar's director of personal finance, about portfolio construction, the 4% rule, and what it all means for you. Later in the episode, wealth planner Isabel Barrow joins to discuss the ins and outs of sticking with a diversified portfolio.   Ms. Chatzky receives cash compensation for acting as hosts of the Everyday Wealth radio show and podcast and for related activities and therefore has an incentive to endorse Edelman Financial Engines and its planners.  That compensation is a fixed sum paid on an annual basis; and reimbursement for certain expenses.  The amount paid each year does not vary, is not based on show content or any results-dependent factors (e.g., popularity of the show). This show is pre-recorded, and any callers are prescreened. The views and opinions expressed by Christine Benz are solely her own and may not reflect the views or opinions of EFE or its planners. The information being provided is for informational and educational purposes only and should not be construed as investment advice. You should consult with a financial advisor to help determine the best options for your particular circumstances. Investing strategies, such as asset allocation, diversification, or rebalancing do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Funds and ETFs are subject to risk, including loss of principal. All investments have inherent risks. There can be no assurance that the investment strategy proposed will obtain its goal. Past performance does not guarantee future results. © 2023 Edelman Financial Engines, LLC. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services provided by Financial Engines Advisors L.L.C., a federally registered investment advisor. Results are not guaranteed.See omnystudio.com/listener for privacy information.

Jonnit, Orimar, and Hipp contend with the world's strangest language barrier in order to devise a plan to get The Uhuru safe passage out of the forest. It comes as no surprise their plan is risky and involves navigating toward the heart of danger. Travis and Gable are still locked in a desperate struggle against The Morning Star. It will take everything they have, but will that be enough? CONTENT NOTE Main Show: body horror, guilt, betrayal Dear Uhuru: what has to be some kind of wild animal cruelty 2023 Convention Tour Schedule Emerald City Comic Con, March 3rd, Seattle Washington C2E2 March 31st-April 2nd, Chicago IL ACD Games Day May 24-26, Madison WI Gencon August 3rd-6th, Indianapolis IN CAMPFIRE CARDS Pre-Order Campfire Cards! Email preorder receipts to contests@oneshotpodcast.com to win the right to choose the subject of the next Skyjacks short story. Join Our Mailing List Support Us on Patreon Learn more about your ad choices. Visit megaphone.fm/adchoices