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On this episode we are joined by Stanley cup champion Jack Johnson.Download the app today and use promo code STRICK to score SEVENTY-FIVE DOLLARS in Fantasy Bonus Entries when you play your first FIVE dollar. Must be 18+ (19+ in AL, NE; 19+) in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.npcgamling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)Head to policygenius.com/CAM to compare life insurance quotes from top companies and see how much you could save.Right now, Betterwild is offering our listeners up to 40% off your order at betterwild.com/CAMControl Body Odor ANYWHERE with Mando (https://shopmando.com/) and get 20% off + free shipping with promo code STRICK at shopmando.com (https://shopmando.com/) #mandopodCheck out our Sponsors!

On this episode we are joined by Connor McMichael, who recently was traded to the Blues in exchange for Jordan Kyrou.Download the app today and use promo code STRICK to score SEVENTY-FIVE DOLLARS in Fantasy Bonus Entries when you play your first FIVE dollar. Must be 18+ (19+ in AL, NE; 19+) in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.npcgamling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)Head to policygenius.com/CAM to compare life insurance quotes from top companies and see how much you could save.Right now, Betterwild is offering our listeners up to 40% off your order at betterwild.com/CAMControl Body Odor ANYWHERE with Mando (https://shopmando.com/) and get 20% off + free shipping with promo code STRICK at shopmando.com (https://shopmando.com/) #mandopodCheck out our Sponsors!

Send us Fan MailJoin your host Clifton Pope as he is joined  once again by Double Board Certified Internist and Sports Medicine Physician/Founder of InVessel Health and Wellness: Dr. Janeeka Benoit!If you thought PT. 1 of our conversation was special, wait until you hear PT. 2In PT. 2, we dive deeper into why so many high performing women end up sacrificing their health on the road to success!Dr Benoit also provides some words of wisdom for the women listening right now who are successful on paper but exhausted in real life by providing steps on how to overcome it!Visit invesselhealth.com to keep up with the journey of Dr. Janeeka Benoit!Keep up with every conversation on Apple/Spotify Podcasts/Rumble so you don't miss any details!Share this episode to someone who needs to hear it to keep the message going!If you love the show, please leave a rating/review so more people can tap into the information and apply it as wisdom!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Am 1. Oktober 2016 steigt Hannes Schindler in einen Zug – und kommt nie wieder nach Hause. Der 25-Jährige stürzt während der Fahrt aus der Regionalbahn und stirbt an seinen schweren Verletzungen. Schnell stellt sich die Frage: Wurde Hannes gestoßen oder ist er in Panik gesprungen? Seine Familie und Freunde kämpfen seit zehn Jahren gegen eine Mauer des Schweigens: Was genau ist im RB16431 passiert? Was wissen die Fans des Halleschen FC, auf die Hannes, Anhänger des Erzrivalen 1. FC Magdeburg, damals zufällig trifft? Und warum werden die Ermittlungen trotz vieler Hinweise so früh eingestellt? Leonie Bartsch und Linn Schütze tauchen ein in diesen rätselhaften Fall, der eine Familie zermürbt und Fragen aufwirft, auf die es noch immer keine Antworten gibt. Die Recherche führt sie in die gefährliche Welt fanatischer Fußballfans – und weit darüber hinaus. Die Reporterinnen stoßen auf Hinweise, die alles verändern könnten. Lässt sich die Mauer des Schweigens durchbrechen? “Der Zug” ist eine Podcast-Serie der Süddeutschen Zeitung und Auf Ex Productions. Jeden Donnerstag kostenlos eine neue Folge im Kanal “Der Zug”. Oder ab dem 23. Juli direkt alle fünf Folgen werbefrei hören mit einem SZ Plus-Abo auf https://sz.de/zug-podcast, bei Apple Podcasts https://sz.de/zug-apple oder bei Spotify https://sz.de/zug-spotify. Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/MordaufEx Du möchtest Werbung in diesem Podcast schalten? Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio: https://www.seven.one/portfolio/sevenone-audio

  What Does This Week’s Market Volatility Mean for Your Retirement Portfolio? By Tom Dupree, Founder, Dupree Financial Group Inflation cooled. The big banks beat expectations. And somehow, it was still a wild week in the market. If you’ve been watching your account balance bounce around and wondering whether any of it has anything to do with the actual value of what you own, here’s the short answer: usually not. Most of what moved the market this week wasn’t new information about businesses — it was leverage, technical trading, and forced selling. That distinction matters more for your retirement than almost anything else you’ll read this month, because it tells you when to act and when to simply hold on. This week’s episode of The Tom Dupree Show walked through four separate stories — cooling inflation, strong bank earnings, a leveraged-ETF blowup on the other side of the world, and a regulatory fight over how often companies should report earnings — that all point to the same lesson: know what you own, know why the price is moving, and don’t confuse someone else’s forced selling with your own emergency. Key Takeaways Inflation cooled to 3.5% year-over-year in June, but the Fed’s new chair has questioned whether the 2% target is even the right one — the ground rules for bonds and rate-sensitive investments could shift. Bank profits this quarter came mostly from paying less on deposits, not from a borrowing boom — a reminder that cash flow, not headlines, tells the real story. A leveraged single-stock ETF collapse in South Korea forced hundreds of thousands of retail accounts into liquidation — a case study in what daily-compounding leverage does to a portfolio. Semiconductor stocks have swung hard on technical signals, not fundamentals — which can create real opportunity for patient, long-term owners. A federal proposal to let companies report earnings twice a year instead of four times has reignited a real debate about transparency versus short-termism. Why Does the Market Feel So Unpredictable Right Now? If you’re 55, 65, or 75 and watching a retirement account that’s supposed to fund the next 30 or 40 years of your life, a week like this one is unsettling. The headlines contradict each other: inflation is cooling, but chip stocks are getting hammered one day and ripping higher the next. Banks are thriving, but somewhere on the other side of the world, hundreds of thousands of retail investors just lost their entire trading accounts overnight. It’s a lot to hold at once, and it’s reasonable to wonder whether any of it should change what you do with your own money. Here’s the honest answer: for most retirees holding a diversified, income-producing portfolio, almost none of it should. But understanding why requires pulling apart what actually happened this week — and separating the noise from the signal. What Actually Happened This Week — The Data Start with the good news. The Bureau of Labor Statistics reported that headline inflation cooled to 3.5% year-over-year in June, with core inflation (which strips out food and energy) coming in at 2.6% — both below what economists expected, and producer prices actually declined for the month. That’s a meaningfully better inflation picture than markets were braced for. But the Fed’s target isn’t necessarily fixed anymore. Kevin Warsh, who was sworn in as Federal Reserve chairman this spring, has openly questioned the assumptions behind the central bank’s longstanding 2% inflation goal and launched a broader review of how the Fed operates. For retirees who own bonds or rate-sensitive income investments, that’s not a footnote — it’s a reason to pay attention to what “the target” even means over the next few years, rather than assuming the old rules still apply. Meanwhile, bank earnings came in strong — but not for the reason most people assume. The lift came primarily from banks paying less to fund themselves (short-term deposit rates have fallen faster than the loans on their books have repriced), not from a fresh wave of borrowing. It’s a good environment for financial stocks, but it’s a funding-cost story more than a booming-economy story, and that distinction matters if you’re trying to judge whether the rally has legs. Then there’s the semiconductor sector, which has been the market’s most volatile corner. Taiwan Semiconductor, the company that manufactures the vast majority of the world’s advanced AI chips, reported June revenue up nearly 68% year-over-year, a genuinely extraordinary number driven by AI infrastructure demand. And yet chip stocks broadly have been whipping up and down for reasons that have very little to do with numbers like that one. A lot of that action is technical: when a stock breaks below a widely watched moving average, institutional trading algorithms are programmed to sell, regardless of what the underlying business is doing. That selling then triggers more selling. It looks like panic. It’s often just mechanics. The starkest illustration of what leverage does in a downturn came out of South Korea this month, where a wave of new single-stock leveraged ETFs tied to semiconductor giants Samsung and SK Hynix triggered margin calls on more than 1.2 million retail trading accounts, with roughly 320,000 to 360,000 of those accounts fully liquidated in a matter of days. These products were designed to move twice the daily price swing of a single stock — which sounds appealing on the way up and is devastating on the way down, because the losses compound daily rather than tracking the stock’s actual return over time. It’s an ocean away from Lexington, Kentucky, but the lesson travels: leverage doesn’t just add risk, it changes the math entirely. Finally, there’s a quieter but genuinely important story developing in Washington. The SEC has proposed letting public companies choose to report earnings twice a year instead of four times, a change championed by President Trump and SEC Chairman Paul Atkins as a way to reduce short-term pressure on management teams. The idea splits reasonable people: less frequent reporting could free executives to run their businesses for the next several years instead of the next ninety days, but it could also mean investors — including retirees who depend on knowing exactly what they own — get less information, less often. This week’s news cycle also included a primetime presidential address in which Trump alleged that newly declassified intelligence showed foreign interference — including from China — in the 2020 election, along with claims of voter registration fraud in Michigan. Election security officials, including the Cybersecurity and Infrastructure Security Agency, have said they’ve found no evidence that any votes were altered in past elections. Whatever your read on the speech, it fed into a broader theme running through the whole hour: how much can you trust the numbers an institution hands you, whether that’s a vote count or a government inflation report? It’s why we do our own research instead of relying solely on government statistics or Wall Street’s sell-side analysts, and it’s the same instinct that should guide how you evaluate any claim, official or otherwise. The Reframe: Manufactured Volatility vs. Real Risk Here’s the framework we come back to on nearly every episode of the show, and it’s the one thing we want you to take from this week’s news: there is a real difference between manufactured volatility and real risk, and confusing the two is one of the most expensive mistakes a retiree can make. Manufactured volatility is what happens when a stock’s price swings because of leverage unwinding, algorithmic trading around technical levels, or funds racing to exit ahead of a quarterly number — not because the underlying business got worse. The Korean ETF collapse is manufactured volatility in its purest form: a Samsung or SK Hynix shareholder holding actual shares, with no leverage, watched the same news and the same earnings power, just without the forced-selling spiral. Real risk is different. Real risk is a company losing its competitive position, cutting its dividend, or piling on debt it can’t service. Real risk should change what you own. Manufactured volatility, more often than not, should not. The trouble is that from the outside, both look identical on a stock chart. A share price falling 10% doesn’t come labeled “manufactured” or “real.” Telling the difference requires actually knowing the business you own — its cash flow, its dividend history, its balance sheet — well enough to judge whether this week’s headline changed anything about that story. That’s the diligence part of the job, and there’s no shortcut around it. How Should Retirement Investors Respond to This Kind of Volatility? At Dupree Financial Group, this is exactly why our approach centers on dividend-paying stocks and bonds rather than chasing whatever sector is moving fastest. When you own a company for the income it generates — not for a price target — a week of manufactured volatility becomes far less threatening, and sometimes it becomes an opportunity. When institutions are forced to sell a good company for reasons that have nothing to do with its fundamentals, the price drop that scares one investor is simply a better entry point for another. That’s not a guarantee of a favorable outcome — all investing involves risk, including the possible loss of principal — but it’s a fundamentally different posture than reacting to every headline. Seven Steps to Retirement-Proof Your Portfolio Against Manufactured Volatility Know what you own, line by line. Pull up your statement and be able to explain, in one sentence each, why you own every major holding. If you can’t, that’s the first thing to fix — not the market. Separate the headline from the business. Before reacting to a price move, ask whether anything actually changed about the company’s earnings, dividend, or balance sheet — or whether it’s a technical or leverage-driven move like the ones described above. Keep leveraged and single-stock ETFs out of retirement money entirely. These products are built for daily traders, not long-term holders. The Korean ETF collapse is a real-world example of what daily compounding leverage can do to an account in a matter of days. Read past the quarterly headline number. Whether or not the reporting-frequency rules change, judge a company on multi-year cash flow and dividend trends, not a single quarter’s beat or miss. Keep a watchlist of quality companies for when panic creates a discount. When forced selling knocks a good business down for reasons unrelated to its fundamentals, that’s the moment long-term investors get paid for their patience. Revisit your income plan, not just your account balance. A retirement portfolio’s job is to produce cash flow you can live on for 30 to 40 years. Judge a volatile week by whether your income stream held up — not by the number on the login screen. Get a second set of eyes on your portfolio. If you’re not sure whether what you own is built to withstand this kind of volatility, or whether you’re carrying more leverage or concentration risk than you realize, that’s exactly what a portfolio review is for. Frequently Asked Questions Is a leveraged ETF a good way to boost my retirement returns? No. Leveraged ETFs reset and compound daily, so their long-term return can diverge sharply from the underlying stock’s actual performance — including large losses even when the stock has technically risen over time. They’re built for short-term traders, not retirement accounts. Does cooling inflation mean the Fed will cut interest rates soon? Not necessarily. While June’s cooler CPI reading supports the case for rate cuts, the Fed’s new chairman has signaled openness to rethinking the central bank’s approach to its inflation target, adding real uncertainty to the timeline for any rate decisions. Why do stock prices swing so much when a company’s earnings didn’t change? Much of the day-to-day movement in popular stocks comes from technical trading, algorithmic strategies tied to chart levels, and leveraged funds being forced to buy or sell — not from new information about the business itself. That’s manufactured volatility, not real risk. What does the debate over quarterly earnings reports mean for individual investors? If the SEC’s proposal is adopted, some companies may report financial results only twice a year instead of four times. That could reduce short-term pressure on management, but it may also mean investors get less frequent, less detailed information about what they actually own. How do I know if my retirement portfolio is built to handle volatility? Start by confirming you can explain why you own every major holding and that none of your retirement money sits in leveraged or single-stock products. A complimentary portfolio review with a fee-only fiduciary advisor is the fastest way to get an honest, unbiased answer. The Bottom Line Weeks like this one will keep happening. Leverage will keep building up somewhere and unwinding somewhere else. Traders will keep reacting to chart levels instead of cash flow. What won’t change is the difference between a business that’s actually worth less than it was last week and a stock price that simply got caught in someone else’s forced selling. Learn to tell those two things apart, build your income around companies you understand, and a volatile week stops being a threat to your retirement — it starts being background noise, or even opportunity. Schedule a Complimentary Portfolio Review If you’re not sure whether your portfolio is built to take advantage of volatility like we saw this week — instead of getting knocked around by it — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com You Might Also Like Catch up on past episodes of The Tom Dupree Show — our full podcast archive, updated every week. Meet the team at Dupree Financial Group — learn about our fee-only, fiduciary approach and the people behind it. [PLACEHOLDER — link to a prior show notes/blog post on dividend investing fundamentals once a confirmed URL is available] About the Author: Tom Dupree is the founder of Dupree Financial Group and host of The Tom Dupree Show, heard weekly across Central Kentucky radio and podcast. With 47 years in the investment business, starting in municipal bonds in 1978, Tom built DFG’s investment philosophy around one idea: retirement money should generate income you can see, not just a balance you hope holds up. Dupree Financial Group is an independent, fee-only fiduciary Registered Investment Advisor based in Lexington, Kentucky. REGULATORY DISCLAIMER: This material is for informational and educational purposes only and does not constitute investment, legal, or tax advice, nor is it a solicitation to buy or sell any security. All investing involves risk, including the possible loss of principal. Past performance of any market index or security is not indicative of future results. Dupree Financial Group is a fee-only fiduciary and does not receive commissions on any products or securities discussed. 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That's manufactured volatility, not real risk." } }, { "@type": "Question", "name": "What does the debate over quarterly earnings reports mean for individual investors?", "acceptedAnswer": { "@type": "Answer", "text": "If the SEC's proposal is adopted, some companies may report financial results only twice a year instead of four times. That could reduce short-term pressure on management, but it may also mean investors get less frequent, less detailed information about what they actually own." } }, { "@type": "Question", "name": "How do I know if my retirement portfolio is built to handle volatility?", "acceptedAnswer": { "@type": "Answer", "text": "Start by confirming you can explain why you own every major holding and that none of your retirement money sits in leveraged or single-stock products. 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Ready for an argument? League Lists is a new interactive Podcast Series where you nominate the list ... and I share my thoughts. This weeks list, Player to Media, Who's been the best?

In unserem Grundgesetz sind Mittel verankert, mit denen sich unsere Demokratie gegen ihre Abschaffung wehren kann. Wie gut schützen diese Instrumente die Demokratie tatsächlich vor ihren Feinden? Ein Vortrag des Staatsrechtlers Horst Dreier. Horst Dreier war bis zu seiner Emeritierung im Jahr 2020 Professor für Rechtsphilosophie, Staats- und Verwaltungsrecht an der Julius-Maximilians-Universität Würzburg. Die Grundfragen des Verfassungsrechts gehören zu seinen Forschungsschwerpunkten. Sein Vortrag "Vom Schutz der Verfassung" wurde am 21. Mai 2026 im Rahmen der Legal Masterclass des Alfried Krupp Wissenschaftskollegs Greifswald aufgezeichnet. ******* +++ Deutschlandfunk Nova +++ Hörsaal +++ Deutschlandradio +++ Wissen +++ Wissenschaft +++ Vortrag +++ Wehrhafte Demokratie +++ Militant Democracy +++ Streitbare Demokratie +++ Politik +++ Staatsrecht +++ Verfassungsrecht +++ Rechtsphilosophie +++ Rechtsextremismus +++ Linksextremismus +++ Extremismus +++ Grundgesetz +++ Verfassung +++ Demokratie +++ Demokratiekrise +++ Vereinigungsverbot +++ Parteiverbot +++ AfD +++ AfD-Gutachten +++ Parteiverbotsverfahren +++ Ewigkeitsklausel +++ Grundrechtsverwirkung +++ Verfassungsschutz +++ Bundesverfassungsgericht +++ Parteienfinanzierung +++ Verfassungstreue +++**********In dieser Folge mit: Moderation: Katrin Ohlendorf Vortragender: Horst Dreier, Rechtsphilosoph und Staatsrechtler, ehem. Professor für Rechtsphilosophie, Staats- und Verwaltungsrecht an der Uni Würzburg**********HörtippHologrammatica, Science-Fiction-Thriller, eine Podcast-Serie des Deutschlandfunks**********Ihr hört in diesem Hörsaal:1:56 - Vortragsbeginn3:54 - Gliederung des Vortrags4:47 - Die sogenannte Ewigkeitsklausel (Art. 79 Abs. 3 GG)8:01 - Die wehrhafte / streitbare Demokratie10:34 - Das Konzept der wehrhaften Demokratie15:40 - Der Einwand des Selbstwiderspruchs21:57 - Die Instrumente der wehrhaften Demokratie22:08 - Grundrechtsverwirkung (Art. 18 GG)23:49 - Vereinigungsverbot (Art. 9 Abs. 2 GG)30:05 - Parteiverbot (Art. 21 Abs. 2 GG)34:21 - Verfassungstreuepflicht der Beamten (Art. 33 GG)35:21 - Der Extremistenbeschluss des BVerfG von 197539:11 - Kritik am Beschluss des BVerfG43:59 - Die "Streubreite" der verwaltungsgerichtlichen Judikatur48:14 - Fazit49:30 - Verfassungsschutz durch die Zivilgesellschaft51:49 - Hörtipp: Hologrammatica**********Quellen aus der Folge:Dreier, H. (2023). Die grundgesetzliche "Ewigkeitsklausel" zwischen Demokratieermöglichung und Verfassungszementierung. In: van Ooyen, R.C., Möllers, M.H. (eds) Handbuch Bundesverfassungsgericht im politischen System. Springer VS, Wiesbaden.Horst Dreier: Selbstschutzmechanismen des Grundgesetzes - Zum politischen System der wehrhaften Demokratie. KEB Thementage - Zur Debatte, 2/2024.Horst Dreier: Grundrechte als Gefahr? Die Risiken einer freiheitlichen Verfassung. FAZ, 26.08.2021. **********Mehr zum Thema bei Deutschlandfunk Nova:Big Tech: Wie Künstliche Intelligenz die Demokratie zerstörtSchule und Uni: Was politische Neutralität in der Bildung bedeutetUnzufrieden: Warum wählen so viele Deutsche die AfD?**********Den Artikel zum Stück findet ihr hier.**********Ihr könnt uns auch auf diesen Kanälen folgen: TikTok und Instagram .

On this episode we are joined by Vegas' first ever GM and current Golden Knight executive George McPhee.Download the app today and use promo code STRICK to score SEVENTY-FIVE DOLLARS in Fantasy Bonus Entries when you play your first FIVE dollar. Must be 18+ (19+ in AL, NE; 19+) in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.npcgamling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)Head to policygenius.com/CAM to compare life insurance quotes from top companies and see how much you could save.Right now, Betterwild is offering our listeners up to 40% off your order at betterwild.com/CAMControl Body Odor ANYWHERE with Mando (https://shopmando.com/) and get 20% off + free shipping with promo code STRICK at shopmando.com (https://shopmando.com/) #mandopodCheck out our Sponsors!

Send us Fan MailJoin your host Clifton Pope as he is back with another solocast as the Wellness Whisperer Series makes its return for the July 2026 installment!In this month's episode, Clifton Pope breaks down the element of water from a connection, emotional flow, and the intelligence of your body!Clifton may or may not have hinted at  a new project involving breaking down water coming soon!Tune into every episode on Apple/Spotify Podcasts/Rumble so you don't miss any details!Check out the Fitness Mirage on Amazon and Gumroad for the audiobook with the links below!https://www.amazon.com/dp/B0GY1FZZPKhttps://cpope26.gumroad.com/l/zzyfdShare it with someone who needs it and leave a rating/review so more people can apply the information as wisdom!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Fluent Fiction - Japanese: Mystical Petals at Shibuya: The Secret Festival Revealed Find the full episode transcript, vocabulary words, and more:fluentfiction.com/ja/episode/2026-07-14-22-34-01-ja Story Transcript:Ja: 渋谷のスクランブル交差点はまるで生きた絵画のように騒々しかった。En: The Shibuya Scramble Crossing was bustling like a living painting.Ja: 歩行者たちが四方八方から歩いてきて、ネオンの光が彼らを照らしていた。En: Pedestrians walked from all directions, bathed in the neon lights.Ja: その真ん中、夏の真っ盛りの7月、信じられない光景が広がっていた。En: In the middle of it all, in the height of summer in July, an unbelievable sight unfolded.Ja: 桜の花びらが静かに舞い落ちていたのだ。En: Cherry blossom petals were softly falling.Ja: 晴人は大学生としていつも論理的に物事を考えたが、こんな変わった出来事には心が揺れた。En: Haruto, a university student who usually thought about things logically, felt his heart waver at such an unusual event.Ja: 異常な出来事の裏にどんな真実が隠れているのか、彼の興味は尽きなかった。En: His curiosity was endless about what truth might be hidden behind this anomaly.Ja: ちょうどその時、彼の親友であるサクラが彼の横に現れた。En: Just then, his best friend, Sakura, appeared by his side.Ja: サクラは都市伝説を愛する好奇心旺盛な探検家だ。En: Sakura is a curious explorer who loves urban legends.Ja: 「あれを見た？」サクラが言った。En: "Did you see that?" Sakura said.Ja: 「夏なのに桜の花びらが。何かのサインかも！」En: "Cherry blossom petals in the summer. Could it be some kind of sign?"Ja: 晴人は頭をひねった。「たまたまだよ。風で誰かの庭から飛んできたんじゃない？」En: Haruto frowned. "It's just a coincidence. They probably blew in from someone's garden."Ja: 「そんなわけないでしょ。きっとお盆と関係あるんだよ！」サクラは興奮した声で続けた。En: "No way. I bet it has something to do with Obon!" Sakura continued with an excited voice.Ja: 晴人は内心で尻込みしつつも、その提案に乗る決意をした。En: Though Haruto was hesitant inside, he decided to go along with her suggestion.Ja: この不思議な出来事の真相を突き止めたい、そしてサクラを驚かせたいという気持ちが彼を突き動かした。En: He was driven by the desire to uncover the truth behind this mysterious event and surprise Sakura.Ja: 彼らは町の近くの神社とお寺を訪ねることにした。En: They decided to visit a shrine and temple nearby.Ja: すると、そこには年配の店主がいた。店主は二人にこう言った。「この辺りでは、百年に一度の星の並びでしか見られない古い伝説がある。En: There they found an elderly shopkeeper, who said to them, "In this area, there is an old legend that can only be witnessed once every hundred years with a particular alignment of stars.Ja: 桜の花びらがそれを告げているのかもしれないね。」En: Perhaps the falling cherry blossom petals are signaling that."Ja: 晴人はますます好奇心をかき立てられたが、サクラはすぐに顔を輝かせた。En: Haruto grew increasingly intrigued, but Sakura immediately brightened.Ja: 「ほら、言ったでしょ！何か神秘的なことが起きてるんだよ！」En: "See, I told you! Something mystical is happening!"Ja: でも、晴人は納得できず、もっと何かがあるように感じた。En: However, Haruto wasn't convinced; he felt there was more to it.Ja: 彼はさらに調べ続け、ついに渋谷の隠された小エリアにたどり着いた。En: He continued to investigate and finally reached a hidden little area in Shibuya.Ja: そこには小さな祭りのために設置された人工の桜の花びらが風に舞っていた。En: There, artificial cherry blossom petals, set up for a small festival, were dancing in the wind.Ja: 晴人は微笑んだ。「ほら、秘密の祭りの準備だったんだ。En: Haruto smiled. "Look, it was preparation for a secret festival.Ja: でも、サクラ。君の言う通り、この謎を解くのは楽しかった。」En: But, Sakura, as you said, solving this mystery was fun."Ja: サクラはうなずき、笑った。「うん、だから人生は面白いんだね。En: Sakura nodded and laughed. "Yeah, that's why life is interesting.Ja: 現実と夢が交わるところで。」En: It's where reality and dreams intersect."Ja: この経験を通じて、晴人は論理と想像力を組み合わせることの大切さを学んだ。En: Through this experience, Haruto learned the importance of combining logic and imagination.Ja: 普通の中にこそ、たくさんの不思議が隠れていることを彼は感じ取ったのだった。En: He realized that many wonders are hidden in the ordinary. Vocabulary Words:scramble: 騒々しいbustling: 騒々しいpedestrians: 歩行者たちunbelievable: 信じられないblossom: 花びらwaver: 揺れるanomaly: 異常curiosity: 興味coincidence: たまたまalignment: 並びintrigued: 好奇心をかき立てられたmystical: 神秘的なhesitant: 尻込みdesire: 気持ちuncover: 突き止めるlegend: 伝説witnessed: 見られないshelter: 隠されたartificial: 人工のimagination: 想像力intersect: 交わるreality: 現実exchange: 交わすfestival: 祭りpreparation: 準備ordinary: 普通wonders: 不思議curious: 好奇心旺盛なexplorer: 探検家elderly: 年配の

Send us Fan MailJoin your host Clifton Pope as he is joined by Double Board Certified Internist and Sports Medicine Physician/Founder of InVessel Health and Wellness: Dr. Janeeka Benoit!This is PT. 1 of a two part conversation that you don't want to miss out on!In PT. 1, we dive into Dr. Benoit's process in how she helps her patients deal with chronic illness on top of herself dealing with her own changes in her body she couldn't ignore anymore and adjustments had to be made!Dr. Benoit also introduces her 4-Pillar Framework within investing in understanding, nourishment,strength,and lifestyle alignment plus mentions which one women resists the most and why!Again, this is only PT. 1 of a two part conversation!Visit invesselhealth.com to keep up with the journey of Dr. Janeeka Benoit!Keep up with every conversation on Apple/Spotify Podcasts/Rumble so you don't miss any details!Share this episode to someone who needs to hear it to keep the message going!If you love the show, please leave a rating/review so more people can tap into the information and apply it as wisdom!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Is the Federal Reserve’s New Shake-Up Good or Bad for Your Retirement Income? By Tom Dupree, Founder, Dupree Financial Group Short answer: it’s genuinely both, and which one matters more depends on whether your retirement income is built to keep pace with rising costs. New Federal Reserve Chair Kevin Warsh has launched a formal, five-part review of how the Fed operates — covering everything from how it talks to markets, to how it collects the inflation data that moves interest rates, to whether artificial intelligence is quietly reshaping the economy in ways the old playbook never anticipated. On this week’s episode of The Financial Hour, James Dupree, Mike Johnson, and Michael Dawahare sat in to break down what this shake-up actually means — and, more importantly, what it means for anyone relying on their portfolio to produce real, spendable income in retirement. Key Takeaways A new Fed chair is auditing the Fed itself — five task forces are reassessing communications, the balance sheet, data quality, and the inflation target. The Fed’s own bond portfolio carries an unrealized loss in the hundreds of billions — proof that duration risk applies to everyone, including the Fed. AI is cutting both ways on inflation — boosting productivity in some areas, raising input costs like memory chips in others. A tariff-driven price bump and true monetary inflation are not the same thing, and the difference matters for how policymakers respond. Income that doesn’t grow — money markets, CDs, old bonds — quietly loses ground to rising costs every year it sits still. Who Is Kevin Warsh, and Why Is He Changing How the Fed Operates? Kevin Warsh has been a student of the Federal Reserve for most of his career, and one of his first moves as chair was to launch five task forces to reassess the institution’s core functions: communications, balance sheet policy, data quality, productivity and jobs (including AI), and the inflation framework itself. According to CNBC’s reporting on the review, the task forces are directed to start from first principles and question existing practice rather than simply fine-tune it — Brown Brothers Harriman strategist Scott Clemons described the approach as “regime change, but in a velvet glove.” The philosophy behind it is simple: stop, assess, and pivot where needed — the same discipline any well-run company applies when a board challenges management on why things are done a certain way. Warsh is asking the Fed to do that to itself, publicly, for the first time in a long time. What Did the Federal Reserve Get Wrong in 2008 and 2021? To understand why this review matters, it helps to look at the Fed’s actual track record. In 2006 and 2007, as the housing market was cracking, the Fed’s regional offices were on record saying there was no housing problem. There was. Then, in the aftermath of the 2008 financial crisis, the Fed held interest rates near zero for over a decade — a policy commonly called ZIRP — creating what our team described on-air as a “wet blanket” over markets that made honest price discovery difficult. The more recent example is fresher: in 2021, as trillions in pandemic stimulus moved through the economy, the Fed described the resulting price increases as “transitory.” They weren’t. Prices rose at the fastest pace in decades, and by the time policy caught up, households had already absorbed the damage — a miss the current review is squarely aimed at preventing from happening again. Why Does the Fed Have a Balance Sheet Loss in the Hundreds of Billions? Source: Federal Reserve Bank of New York, System Open Market Account (SOMA) Annual Reports, 2022–2025. Here’s a detail that surprises a lot of listeners: the Fed itself is sitting on a large paper loss. During the zero-rate years, the Fed bought enormous quantities of bonds with very low coupon payments as part of a policy known as quantitative easing. When interest rates rose in 2022, the market value of those bonds fell — the same way any bond’s price falls when rates rise. According to the New York Fed’s own 2025 System Open Market Account report, the unrealized loss on the Fed’s securities portfolio stood at $844.2 billion at the end of 2025 — down from over $1 trillion the year before, but still historically enormous. The Fed can’t easily sell these bonds without disrupting the very bond market it’s trying to stabilize, so for now, it’s simply absorbing the loss. It’s a useful, if uncomfortable, reminder: interest rate risk doesn’t spare anyone — not even the institution that sets interest rates. The Reframe: What the Fed’s Own Mistake Teaches Retirees About Bonds Here’s the part of this story that doesn’t show up in the news coverage of Warsh’s review: the Fed’s $844 billion paper loss isn’t just a Washington curiosity. It’s a live demonstration of the exact risk that quietly erodes many retirement portfolios. The Fed bought long-duration bonds when rates were near zero, on the assumption that those rates — and the value of those bonds — would hold. They didn’t. If the most sophisticated balance sheet in the world can misjudge duration risk that badly, it’s worth asking whether a retirement plan built around the same assumption — that a fixed-rate bond bought today will still meet your needs in ten or fifteen years — is really as safe as it feels. A bond doesn’t know what a gallon of milk costs in 2035. It just pays what it promised to pay in the year you bought it. This is precisely why our firm’s approach leans on dividend-paying, financially strong companies rather than a bond-heavy “set it and forget it” allocation. A healthy company’s board can raise its dividend as costs rise — a bond’s coupon is frozen the day you buy it. The Fed just proved, at a scale of nearly a trillion dollars, what happens when income doesn’t adjust to a changing rate environment. Retirees don’t have the option of just holding to maturity and calling the loss “unrealized.” That gap has to show up somewhere in a household budget. Is Artificial Intelligence Good or Bad for the Economy? One of Warsh’s five task forces is specifically looking at how AI affects productivity and jobs, and our hosts see it as a genuinely mixed picture. On one hand, AI is already making certain kinds of work dramatically more efficient; our hosts pointed to real examples of complex technical projects being completed in a fraction of the time they used to take. Historically, technology has tended to be deflationary — it lowers the cost of producing things over time. On the other hand, the buildout of AI infrastructure is pushing some costs up right now — memory chips being a clear example, which in turn affects the price of consumer electronics. So the net effect on inflation isn’t a simple yes-or-no answer. It depends on which part of the economy you’re looking at, and over what timeframe. What’s the Difference Between a One-Time Price Increase and Real Inflation? This distinction came up repeatedly in the episode, and it matters more than it sounds. A tariff, for example, can raise the price of a specific good once — that’s a one-time adjustment, not ongoing inflation. True inflation, by contrast, is a monetary phenomenon: more money in the system chasing the same amount of goods and services, which pushes prices up broadly and persistently. Our hosts noted that both the current Fed and Treasury leadership seem comfortable with modest inflation as long as wages are rising faster — a meaningfully different posture than in years past, and one that, if it holds, could support the kind of broader economic growth the country hasn’t consistently seen since before the 2008 financial crisis. How Can Retirees Protect Their Income From Inflation? This is where the conversation gets most practical for anyone at or near retirement. Money markets, CDs, and bonds purchased years ago don’t adjust for rising costs — the income they produce today is the same as it was when you bought them, even as your expenses climb. That’s not a flaw in those tools; it’s simply not what they’re designed to do. An income approach built around dividend-paying, financially strong companies works differently. When the underlying businesses are healthy, they have the ability to grow their dividend payments over time — even during flat or difficult markets — because a board’s decision to raise a dividend is separate from where the stock market happens to be on any given day. That’s the mechanism our team described as the foundation of an inflation-aware retirement income strategy: income with the potential to rise, rather than income that’s frozen in place. Frequently Asked Questions Is a little inflation actually a good thing? Fed and Treasury leadership have signaled comfort with modest inflation as long as wages are rising at a faster rate. The concern isn’t inflation existing at all — it’s inflation outpacing the income people rely on to cover their expenses. Why did the Fed call 2021 inflation “transitory” when it clearly wasn’t? The Fed’s framework at the time treated the post-pandemic price spike as temporary, tied to supply chain disruptions expected to resolve quickly. Instead, inflation persisted and accelerated well into 2022, now viewed as one of the Fed’s most consequential misreadings. Does AI cause inflation or reduce it? Both, depending on where you look. AI-driven productivity gains tend to be deflationary over time, the way most technology has been historically. But the current buildout of AI infrastructure is pushing up costs in specific areas, like memory chips, in the near term. Why don’t bonds and CDs keep up with inflation? A bond or CD generally pays a fixed rate of interest set at the time of purchase. As the cost of living rises afterward, that fixed payment buys less — there’s no built-in mechanism for the income to grow along with your expenses, the same dynamic that produced the Fed’s own unrealized loss. What should I actually do if I’m worried my retirement income isn’t keeping pace? Start by getting a clear picture of what you currently own and what income it’s actually producing versus what your expenses look like today. A complimentary portfolio review is designed to give you exactly that picture, with no obligation attached. The Bottom Line The Fed rethinking its own playbook is genuinely good news — a clear-eyed institution is better than a defensive one. But the more useful question isn’t what Washington does next. It’s whether your own income is built to grow, or built to sit still while everything around it gets more expensive. That’s a question worth answering before the next rate cycle makes it more urgent, not after. Ready to See Whether Your Portfolio Can Keep Up? If you’re not sure whether your portfolio’s income is actually keeping up with what things cost these days, that’s exactly the kind of question a complimentary portfolio review is built to answer. No charge, no pressure — just an honest look at what you own and whether it’s working for you. Call 859-233-0400 or schedule your complimentary portfolio review. You can also listen to more episodes of The Financial Hour, and learn more about our fee-only, fiduciary approach on our About Us page. About Tom Dupree: Tom Dupree is the founder of Dupree Financial Group and a 47-year veteran of the investment business. He hosts The Financial Hour, covering the financial topics that matter most to retirees and those approaching retirement in plain English, without the Wall Street spin. Regulatory Disclaimer Dupree Financial Group is a Registered Investment Adviser (RIA) registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The information presented here is for educational purposes only and does not constitute investment advice, a solicitation, or an offer to buy or sell any security. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. 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A complimentary portfolio review is designed to give you exactly that picture, with no obligation attached." } } ] } The post Is the Fed’s Shake-Up Good for Your Retirement Income? | Dupree Financial appeared first on Dupree Financial.

Fluent Fiction - Dutch: Solving the Mystery of the Missing Blue Venus Orchid Find the full episode transcript, vocabulary words, and more:fluentfiction.com/nl/episode/2026-07-10-22-34-02-nl Story Transcript:Nl: In de zomerse lucht boven de Keukenhof Gardens zweefden vlinders als kleine kleurrijke stipjes.En: In the summer sky above the Keukenhof Gardens, butterflies floated like small colorful dots.Nl: De tuinen leken op een schilderij met bloemen in alle kleuren van de regenboog: roze tulpen, gele narcissen, en witte lelies verwelkomden bezoekers die zich vergaapten aan de pracht.En: The gardens resembled a painting with flowers in all the colors of the rainbow: pink tulips, yellow daffodils, and white lilies welcomed visitors who marveled at the splendor.Nl: Midden in deze bloemenzee stond Sofie, haar blik geconcentreerd op het pad voor zich.En: In the midst of this sea of flowers stood Sofie, her gaze focused on the path ahead.Nl: De Keukenhof had een zeldzame bloem tentoongesteld, de unieke Blauw Venusorchidee, het kroonjuweel van de tentoonstelling.En: The Keukenhof had exhibited a rare flower, the unique Blue Venus Orchid, the crown jewel of the exhibition.Nl: Maar deze ochtend ontdekte Sofie dat de orchidee verdwenen was.En: But that morning, Sofie discovered that the orchid was missing.Nl: Haar hart sloeg over.En: Her heart skipped a beat.Nl: De reputatie van de tuin stond op het spel.En: The garden's reputation was at stake.Nl: Ze moest de bloem vinden.En: She had to find the flower.Nl: Sofie keek om zich heen.En: Sofie looked around.Nl: Ze zag Bram, de tuinman die dagelijks door de tuinen liep.En: She saw Bram, the gardener who walked through the gardens daily.Nl: Bram was vaak stil, maar hij kende elke plant van de wortel tot de bloem.En: Bram was often silent, but he knew every plant from root to bloom.Nl: Sofie liep naar hem toe.En: Sofie walked up to him.Nl: "Bram, ik heb je hulp nodig," zei ze vastberaden.En: "Bram, I need your help," she said determinedly.Nl: Ze vertelde hem over de vermissing.En: She told him about the disappearance.Nl: Bram slikte.En: Bram swallowed hard.Nl: Mensen waarschuw je om problemen te vermijden, maar hier was Sofie, en hij wilde graag helpen.En: People warn you to avoid trouble, but here was Sofie, and he was eager to help.Nl: "Natuurlijk, Sofie," zei hij zachtjes.En: "Of course, Sofie," he said softly.Nl: "Ik zal mijn best doen."En: "I will do my best."Nl: Samen onderzochten Sofie en Bram de tuin.En: Together, Sofie and Bram examined the garden.Nl: Bram vertelde Sofie over plantgewoonten en verdachte plekken waar iemand de bloem zou kunnen verstoppen.En: Bram told Sofie about plant habits and suspicious spots where someone might hide the flower.Nl: Na uren zoeken, vonden ze een spoor.En: After hours of searching, they found a trail.Nl: "Kijk daar," zei Bram, wijzend naar de kas.En: "Look there," said Bram, pointing to the greenhouse.Nl: Achter de kas, verborgen onder een doek, vond Sofie de zeldzame orchidee.En: Behind the greenhouse, hidden under a cloth, Sofie found the rare orchid.Nl: Naast de plant lag een briefje van een jaloerse botanicus die de tentoonstelling wilde saboteren door de bloem te stelen.En: Next to the plant lay a note from a jealous botanist who wanted to sabotage the exhibition by stealing the flower.Nl: Sofie kon het bijna niet geloven.En: Sofie could hardly believe it.Nl: Met een opgelucht hart namen ze de orchidee terug naar de tentoonstelling.En: With relieved hearts, they took the orchid back to the exhibition.Nl: Net op tijd, want een groep internationale botanici stond op het punt te arriveren.En: Just in time, because a group of international botanists was about to arrive.Nl: De orchidee vond weer haar plaats in het midden van de tentoonstelling, omringd door mensen die zich verwonderden over haar schoonheid.En: The orchid found its place again in the middle of the exhibition, surrounded by people marveling at its beauty.Nl: Die avond zaten Sofie en Bram in het cafetaria van de tuin.En: That evening, Sofie and Bram sat in the garden cafeteria.Nl: Met een kop koffie in de hand keken ze glimlachend naar elkaar.En: With a cup of coffee in hand, they smiled at each other.Nl: "Dank je, Bram," zei Sofie.En: "Thank you, Bram," said Sofie.Nl: "Zonder jou had ik het niet gered."En: "I couldn't have done it without you."Nl: Bram voelde zich trots en zekerder dan ooit.En: Bram felt proud and more confident than ever.Nl: Hij besefte dat hij meer kan dan hij dacht, en dat was dankzij Sofie's vertrouwen in hem.En: He realized he was capable of more than he thought, thanks to Sofie's trust in him.Nl: Sofie zag Bram nu in een nieuw licht.En: Sofie now saw Bram in a new light.Nl: Samen hadden ze iets groots bereikt.En: Together, they had achieved something great.Nl: Keukenhof had zijn pracht behouden, en Bram had een nieuw zelfvertrouwen gewonnen.En: Keukenhof had retained its splendor, and Bram had gained a new self-confidence.Nl: Terwijl de avond viel over de tuin, was er een nieuw begin voor Sofie en Bram, te midden van de prachtige bloemen die hen omringden.En: As evening fell over the garden, there was a new beginning for Sofie and Bram, amidst the beautiful flowers surrounding them. Vocabulary Words:floated: zweefdenresembled: leken opsplendor: prachtmidst: middenexhibited: tentoongesteldcrown jewel: kroonjuweeldisappearance: verdwijninggardener: tuinmandeterminedly: vastberadenswallowed: sliktejealous: jaloersesabotage: saboterenrelieved: opgeluchtmarveling: verwonderdenbotanist: botanicusself-confidence: zelfvertrouwenavoiding: vermijdenexamine: onderzochtenhabits: gewoontensuspicious: verdachtetrouble: problementrail: spoorgreenhouse: kashidden: verborgennote: briefjecapable: kancafeteria: cafetariatrust: vertrouwenachieved: bereiktsurrounded: omringden

Each touchpoint creates an opportunity for a customer impression. However, very few owners, or executives, have ever counted the number of touchpoints in an average transaction. With that said, it's hard to manage customer satisfaction if you can't identify and measure satisfaction. Impressions are good and bad, and research shows it takes about 10-12 positive impressions to erase one bad impression. Maybe it's time to start charting, training and managing touchpoints? If not, then buckle up, because your are on a road that will take you anywhere it wants to go!Support the show

On this edition of Hockey Sense, Andy is joined by NHL/AHL defenseman and Toronto Marlies Champion, Dakota Mermis. Plus Jamal Mayers stops by for his weekly visit. 

Mathias Cruz Podcast Serie 07 Show: Mathias Cruz Podcast Serie Artist: Mathias Cruz Air Date: 9 July 2026 Genre: House / Jackin' House / Tech House / Funky House / Deep House www.instagram.com/__mathiascruz/ @mathias-cruz-music A club-driven tech house mix infused with jazzy, funky influences, grooves and peak-time dancefloor energy. Tracklist: 1 - Charles Pierre - Moonlight To Sunrise (Franky Rizardo Remix) 2 - Vito (UK) - Vito (UK) - Cypress Things (Original Mix) 3 - Nick Curly & Rony Seikaly - Floating Point (Extended Mix) 4 - Mil & Jes - Feel Good 5 - Let Me Be Your Fantasy (Blackchild Remix) 6 - FLETCH - Play House 7 - Just Be Good To Me - ( 2GEEZ Edit ) 8 - Rob Stillekens - It's Fabulous (Original Mix) 9 - DJ PP - Desert Night (Extended Mix) 10 - Juan Gonçalves - Make Me Feel (Edit) 11 - Joe Pompeo - Make You Move 12 - Easttown - Circles (Original Mix) 13 - Chinonegro - Welcome 2000's 14 - Litmus - A Muto Litmus Boogie Tool Originally broadcast on Data Transmission Radio. Listen live and explore the archive: https://radio.datatransmission.co

Ready for an argument? League Lists is a new interactive Podcast Series where you nominate the list ... and I share my thoughts. This weeks list, The Best Lock Forwards!

What does it actually take to modernize a independent pharmacy chain with 25+ locations without overwhelming your team? Kathy Collier, Regional VP of Operations at ExpressRx, and Scott Von Deylen, VP of Sales at Nimble, join host Todd Erie to answer that question. Kathy shares how ExpressRx partnered with Nimble to deliver a digital patient experience patients genuinely enjoy using, while keeping operations lean and compliant. If you're a pharmacy operator trying to compete on convenience without adding complexity, this episode shows exactly what the right technology partnership can unlock.

Send us Fan MailJoin your host Clifton Pope as he is back with another solocast as the Future Fortune Series makes its return for the July 2026 installment!In this month's episode, Clifton Pope breaks down in his perspective how markets are hitting records in certain places, job reports slipping, AI not being an automatic winner in a way you think, crypto making a comeback maybe, and how commodities still shaping everyday costs!Don't miss any installments by Clifton Pope on Apple/Spotify Podcasts/Rumble so you can keep up every month!Receive your copy of the Literary Titan Silver Award-winning book by Clifton Pope: The Fitness Mirage on Amazon now and leave a review so more people can tap into the information and apply it as divine wisdom!If you love the show, please leave a rating/review so more people can tune in!Thank you for the love and supportSupport the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Perpetual procrastination can literally send your company to the boneyard. How? As proprietors, we constantly see opportunities for improvement, but we rarely act on them. In many cases, these missed opportunities might be costly enough to sink your company. I know because I have lived out this scenario in one of my business failures. If you're constantly procrastinating, why don't you try waking up tomorrow and start hunting for three, small ways to improve your business. Not wholesale changes…just minor tweaks to product development, administration, customer service or processes. If you were to install three, one percent changes, you would have 36 improvements in the course of one calendar year. The results could literally save a sinking ship! It might be time to put perpetual procrastination in your rearview mirror.Support the show

TRN Podcast host Nick Estes speaks to returning guest and friend of the show Rebecca Nagle about her new podcast series, First America.   Watch the video edition on The Red Nation Podcast YouTube channelhttps://youtu.be/A7nl1X_XwAg NOTE: WE ARE REPUBLISHING THE FIRST EPISODE OF THE SERIES ALONGSIDE THIS EPISODE. DESCRIPTION BELOW Native people have been written out of the American story, but without us you don't know what happened. This summer the United States will celebrate the 250-year anniversary of the signing of the Declaration of Independence. When you read the Declaration, you realize it is a list of complaints. The last entry, the climax in our founders' reasons for rebellion against the Crown, is this: "He has excited… the merciless Indian Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions." We have been told the Revolution was fought over taxation and representation. But what the founders were most angry about in our country's most famous document was Indian affairs. How did generations of Americans miss this? The first armed rebellion against the Crown was an attack on British forts that traded with tribes. When colonists threw tea into the Boston harbor, they dressed up like members of the Mohawk tribe—not for disguise, but because pretending to be Indian symbolized freedom and rebellion. The founding fathers' first government failed because Indigenous nations were too powerful; war and diplomacy with Native people is why we have a central federal government. Hosted and reported by Rebecca Nagle and  featuring leading Native historians,  First America unveils  how the founders' treatment of Indigenous nations—and their resistance—shaped US democracy. The show  does not simply add another blemish to the image of the founding fathers, it reveals the real story of why the colonists rebelled, what kind of government they created, and, crucially, how our current political moment was 250 years in the making. FirstAmerica.info Empower our work:  GoFundMe: https://www.gofundme.com/f/empower-red-medias-indigenous-content  Subscribe to The Red Nation Newsletter:  https://www.therednation.org/   Patreon   https://www.patreon.com/redmediapr  

Send us Fan MailJoin your host Clifton Pope as he is joined by Personal FInance Coach for Couples: Michael Dillard!Michael Dillard has an MBA in Personal FInance and a Masters in Accounting that brings a rare combination of global perspective and practical expertise to the personal finance space! Michael is also the creator of the SAVERS Method and the author of Build Generational Wealth-Retire Early!Our conversation is very centered on how to develop a real strategy to stop living paycheck to paycheck as we dive into why that is more necessary than other budget harder conversation!We break down if money stress is really about number, why couples fight over money, 72 hour rule after payday, along with what generational wealth truly means!Visit www.michaeldillard.org to take advantage of all of the free/paid resources Michael has to help you save to invest to build!Plant your seed to help the show grow with your choice of 3 exclusive-filled tiers at https://buymeacoffee.com/cphfwb!If you love the show, please leave a rating/review so more people can tune in!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Ready for an argument? League Lists is a new interactive Podcast Series where you nominate the list ... and I share my thoughts. This weeks list, The Next Immortal(s)!

I've traveled to over 40 countries. My favorite has always been Iceland.It started with a movie — and one quiet promise to myself. That promise brought me back four times, for over a hundred nights: through all four seasons, two love stories, and more versions of myself than I can count. Podcast Series is a bilingual story series about travel, love, loss, healing, and becoming. Not a travel guide. A collection of moments that made me who I am.Follow along. The journey begins now.My website: Flywithlily.com Join my community!

On this episode we are joined once again by one of the best American players in hockey history, Jeremy Roenick.Download the app today and use promo code STRICK to score SEVENTY-FIVE DOLLARS in Fantasy Bonus Entries when you play your first FIVE dollar. Must be 18+ (19+ in AL, NE; 19+) in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.npcgamling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)Head to policygenius.com/CAM to compare life insurance quotes from top companies and see how much you could save.Right now, Betterwild is offering our listeners up to 40% off your order at betterwild.com/CAMControl Body Odor ANYWHERE with Mando (https://shopmando.com/) and get 20% off + free shipping with promo code STRICK at shopmando.com (https://shopmando.com/) #mandopodCheck out our Sponsors!

Send us Fan MailJoin your host Clifton Pope as he is back with another solocast special edition with a message centered on how: everybody wants to be a CEO/boss (guilty of this/we all are) but no one wants to take the title of a leader!In this special edition, Clifton Pope breaks down the 4th of July from an independence vs interdependence perspective to address the tension and how to move with vision and purpose through the 2nd half of 2026 as a real leader deeper than boss title you can hold!Don't miss any episode on Apple/Spotify Podcasts/Rumble so hit that subscribe button to stay in tune!Receive your copy of the Fitness Mirage on Amazon now with the link below and leave a review so more readers can tap into the knowledge and apply it as wisdom now!If you love the show, please leave a rating/review so more people can tune in!Thank you for the love and support!https://www.amazon.com/dp/B0GY1FZZPKSupport the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

That is the trap. And it is compounded right now by something called recency bias — the tendency to assume that what has been happening will keep happening. Markets have gone up for a long time. New IPOs are capturing attention. There is enthusiasm in the air. And enthusiasm breeds complacency. People assume the funds that have been performing well will keep performing well, without checking whether the companies inside them still deserve their valuations.   [ { "@context": "https://schema.org", "@type": "PodcastEpisode", "name": "When to Hold, When to Sell: Staying Invested Through Market Volatility", "url": "https://www.dupreefinancial.com/when-to-hold-when-to-sell-market-volatility/", "description": "Tom Dupree and Lead Advisor Mike Johnson discuss the discipline behind staying invested during volatile markets — covering dividend income strategy, valuation-based sell decisions, and why the firm currently holds a significant cash position.", "partOfSeries": { "@type": "PodcastSeries", "name": "The Tom Dupree Show", "url": "https://www.dupreefinancial.com" }, "author": { "@type": "Person", "name": "Tom Dupree" }, "publisher": { "@type": "Organization", "name": "Dupree Financial Group", "url": "https://www.dupreefinancial.com" } }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Should I sell my investments when the stock market drops?", "acceptedAnswer": { "@type": "Answer", "text": "Selling during a market drop is one of the costliest decisions a retirement investor can make. 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The best and worst days cluster together, so exiting to avoid the bad ones typically means missing the good ones too." } }, { "@type": "Question", "name": "What is sequence of returns risk and why does it matter in retirement?", "acceptedAnswer": { "@type": "Answer", "text": "Sequence of returns risk is the danger that poor market returns early in retirement — combined with ongoing withdrawals — permanently damage a portfolio before it can recover. Retirement researcher Wade Pfau found that roughly 77% of a portfolio's final outcome is explained by just the first ten years of returns. Fidelity's research illustrates this with two hypothetical retirees who each start with $1 million and withdraw $50,000 a year, experiencing the same returns over 30 years in reverse order — one finishes with over $3 million, the other runs out of money by year 27. A dividend-income approach helps manage this risk by providing cash flow that reduces forced selling during down markets." } } ] } ] Should You Sell When the Market Drops? The Case for Staying Invested During Volatility By Tom Dupree, Founder — Dupree Financial Group  |  Last Updated: June 2026  |  dupreefinancial.com I have been managing money for 47 years. In that time, I have watched investors survive crashes, recessions, a pandemic, and a handful of moments that felt — from inside them — like the whole thing was coming apart. The ones who came through it best almost never did it by being clever about timing. They did it by staying invested when everything in them said to get out. That sounds simple. It is not. Because when the market is dropping and the financial news is relentless and your account balance is going the wrong direction, selling feels like the rational move. It feels like you are finally doing something instead of just watching it happen to you. But here is what I have seen happen to the investors who acted on that feeling. They sold. They waited for things to settle down. And by the time they felt safe enough to get back in, the market had already recovered most of the ground they were trying to protect themselves from losing. The exit was imperfect. The re-entry was worse. And the cost of both — measured in missed growth and missed dividends — followed them for years. This post is about staying invested during market volatility — what that actually means in practice, when it is right to hold, and how dividend income changes the calculation entirely for anyone approaching or already in retirement. Key Takeaways The best market days happen during the worst ones. Research shows 76% of the market’s best single days occur during bear markets or in the first two months of a new bull run. Exiting to avoid the declines means missing the recoveries. Dividends solve a problem index funds cannot. Income from your holdings lets you cover living expenses in retirement without selling assets at depressed prices — the key to managing sequence of returns risk. Valuation is not the same as market fear. The right reason to sell a position is a change in the company’s underlying value or business fundamentals — not a falling stock price. Cash is a valuation call, not a retreat. Holding more cash than usual signals that current prices don’t offer enough compelling opportunities — it preserves capital and creates optionality. Knowing what you own is not optional. Without understanding your underlying holdings, market price movements become your only signal — and that is exactly when emotional decision-making takes over. Why Panic Selling Costs More Than the Drop Itself There is a number I come back to every time markets get rough, and it never stops being striking. Seventy-six percent of the stock market’s best single days over the past 30 years occurred either during a bear market or in the first two months of a new bull market. Think about what that means in practical terms. The days that do the most to rebuild a damaged portfolio almost never arrive when things feel safe. They arrive in the middle of the chaos — often within days of the worst declines. Fidelity’s data makes the cost of missing those days concrete. A hypothetical $10,000 invested in the S&P 500 from 1988 through 2024 grew to over $500,000 for a buy-and-hold investor. Miss just the 5 best days over that entire period and that gain shrinks by 38%. Miss the 50 best days and the $500,000 portfolio is worth under $40,000. Same time period, same starting amount — the only difference is whether you were in the market on a handful of days you could not have predicted in advance. Most investors who exit during a decline are not planning to miss 30 or 40 good days. They are planning to get back in when things settle down. But the settling down and the best days are not separate events. They are the same event. The investor who moved to cash in March 2020 — when the news was genuinely terrifying — locked in losses right before one of the fastest recoveries in market history. The recovery did not wait for the all-clear signal. “Income from the portfolio tilts the table in your favor — it puts time back on your side while you wait for price appreciation.” — Tom Dupree, Dupree Financial Group I have watched this play out with investors who were half right. They called a decline correctly. The market went down, just as they predicted. But it did not go down as far as they expected, so they never pulled the trigger to buy back in — and then the market moved up, and their window closed. Being right about direction and wrong about magnitude still cost them. A partial win that turns into a full loss. The ego piece matters too. Once someone has made a public call to get out, getting back in means admitting the exit was a mistake. I have seen investors stay on the sidelines for years rather than admit they were wrong. The market moved on. They did not. Why Retirement Investors Face a Different Problem Than Everyone Else For investors who are still accumulating — still adding to their portfolios every month — a market decline is a nuisance. It may even be an opportunity. They are buyers, and lower prices mean they get more for their money. For investors who are drawing from their portfolios to pay for their lives, a market decline at the wrong time is something far more serious. There is a specific name for it: sequence of returns risk. Retirement researcher Wade Pfau has quantified the magnitude of this effect: approximately 77% of a portfolio’s final retirement outcome can be explained by the returns of just the first ten years. The first decade is not just an early chapter in a long story. For most retirees, it is most of the story. Fidelity puts a dollar figure on it. Two hypothetical retirees each start with $1 million and withdraw $50,000 a year, experiencing the exact same set of annual returns over 30 years — just in reverse order. The retiree whose strong years come first finishes with over $3 million. The one whose losses arrive first sees the portfolio gone by year 27. Same returns. Same withdrawals. Different sequence. Completely different life. This is the problem that average returns and long-term market graphs do not show you. They assume you are a lump sum sitting patiently in the market for decades, untouched. Most retirees are not that. They are drawing money out regularly. And when you are drawing money out, the order of returns matters as much as the average of them. I have said this on the show, and I will say it again here: Wall Street will show you long-term averages because averages look good. But averages do not pay your electric bill in a down market. What pays your electric bill is income — dividends arriving in your account regardless of what prices are doing. How Dividend Income Changes the Calculus on Staying Invested When a stock pays a meaningful dividend, the decision to sell it is not just a price decision. It is also a decision to give up a stream of income — potentially forever. That changes the analysis. Take a position like AGNC, a mortgage REIT that carries an above-average dividend yield. The price moves around. But the income it generates is meaningful, consistent, and independent of what the stock is doing on any given Tuesday. Selling to avoid price volatility means giving up that income. And over time, the income you give up typically exceeds whatever you thought you were protecting yourself from. The same logic applies to long-held pipeline stocks. The dividend yield on those positions for new buyers today is far less attractive than it was when we established our stake years ago. But we have continued to hold because the income stream we are receiving — based on our original cost basis — is still excellent, and we do not believe we can replicate that income at current prices. This is the part of portfolio management that does not show up in most financial planning software. It is not just about what a stock is worth today. It is about what it pays you while you hold it. A stock that generates consistent income buys you time — time to wait through price volatility without being forced into a sale, time for the thesis on the business to play out, time for the market to re-price something it has temporarily misjudged. That is what I mean when I say income puts time back on your side. In retirement, time is the asset you have the least of. Dividends give some of it back. When Does It Actually Make Sense to Sell? Staying invested does not mean holding everything forever. The argument against panic selling is not an argument against selling. It is an argument for selling with a reason — a real, company-specific, valuation-grounded reason. We trim positions when the math stops making sense. Earlier this year, we reduced our oil company holdings. Not because oil was going to collapse. Not because the market scared us. But because when we looked at the valuations, the stocks had gotten expensive relative to what the underlying business was actually producing. The commodity prices and the stock prices had diverged to a point where the math no longer worked in our favor. That is a logical reason to take some off the table. We also sold Kroger. That one took a little more explanation to clients. Kroger looks like a grocery company. And it is. But a meaningful portion of Kroger’s profitability runs through its fuel stations. When gasoline prices rise and consumption falls, that profit driver weakens. Meanwhile, the grocery side of the business had to contend with sharply higher food prices — which does not help unit volume. The business model was under real pressure on two fronts. The stock price had not fully caught up with that reality. So we sold. Notice what both of those decisions have in common. Neither one was driven by where the S&P 500 was trading or what the Federal Reserve said last week. Both were grounded in a specific company, a specific business dynamic, and a specific valuation judgment. That process has to be built into how you manage a portfolio from the beginning — not invented in the middle of a panic. Investor Howard Marks captured it well: “You can’t predict, but you can prepare.” The preparation is knowing, in advance, what would cause you to sell a given holding. Price hitting a specific valuation threshold? A change in the company’s earnings power? A dividend cut? Define it before the market gets rough, so you are not making those decisions under pressure. “You can’t predict, but you can prepare.” — Howard Marks, investor and co-founder of Oaktree Capital Management What a Large Cash Position Really Signals Right now, Dupree Financial Group holds roughly 35% of client portfolios in cash and short-duration bonds. That is well above our historical norm. And I want to be specific about what that means and what it does not mean. It does not mean we think the market is about to crash. Nobody knows that. It does not mean we are sitting on our hands. Cash in this rate environment still generates a return. What it does mean is that when we look at current equity valuations broadly — across the sectors we know well, the companies we follow closely — we are having a harder time finding things we want to own at current prices. Valuations look stretched relative to what the underlying businesses can reasonably deliver. And when we cannot find things worth buying at the price the market is asking, holding cash is not a failure of nerve. It is a rational response to what the market is offering. Here is the result we can point to: portfolios with that 35% defensive allocation have delivered returns comparable to some fully-invested indexes. Protecting retirement capital while generating competitive returns with meaningfully less risk — that is not a bad outcome. It is actually the whole point. We are not a hedge fund required to be 100% deployed. We are managing retirement money. That means the risk profile — not the potential return — has to come first. The sell discipline flows from the risk profile. Everything else follows from that. The Real Problem With Most 401(k) Portfolios I talk to a lot of people approaching retirement who, when I ask what they own, tell me the names of their funds. Fidelity Target Date 2025. Vanguard Total Market. Some growth fund their HR department selected in 2011. They do not know the underlying holdings. They do not know their actual sector exposure. They do not know what percentage of the fund is in companies that have become very expensive over the past few years, and what percentage is in companies that are still reasonably priced. They do not know whether any of their holdings pay meaningful dividends. What they do know is the price of the fund. And when the price goes down, that is the only signal they have. No context, no analysis, no understanding of whether the drop reflects something real or just a broad market reaction that will pass. So they feel fear. And some of them act on it. That is the trap. And it is compounded right now by something called recency bias — the tendency to assume that what has been happening will keep happening. Markets have gone up for a long time. New IPOs are capturing attention. There is enthusiasm in the air. And enthusiasm breeds complacency. People assume the funds that have been performing well will keep performing well, without checking whether the companies inside them still deserve their valuations. The major indexes have also undergone significant rotation lately — the companies that led for the past several years are no longer the leaders. If you hold a broad index fund and have not looked inside it recently, the portfolio you thought you owned may be meaningfully different from the one you actually own today. Know what you own. Why you own it. And what conditions would cause you to make a change. That is not a complicated framework. But without it, you are flying on instruments you cannot read in weather you did not see coming. What to Actually Do: A Framework for Staying Invested Wisely Here is how we think about it at Dupree Financial Group — and how I would encourage any retirement investor to think about it: Understand each holding before volatility arrives. Know what every position is, what it pays, what would make you sell it, and what would make you add to it. This should be settled before the market gets rough, not improvised in the middle of it. Build income into the portfolio. Dividend-paying holdings provide cash flow that lets you meet retirement expenses without selling assets at depressed prices. This is the most direct and reliable way to manage sequence of returns risk. Sell on valuation, not on fear. If the stock price has risen well beyond what the business justifies — or if something has fundamentally changed in how the company earns money — that is a reason to trim or exit. A declining stock price, by itself, is not. In fact, a declining price in a good business is often a reason to consider adding. Treat cash as a judgment about opportunity, not a retreat from markets. Holding cash is a statement that you do not currently see enough value to deploy it. It keeps you liquid for when better opportunities appear. It is not the same as giving up on investing. If you do not understand your portfolio, get help before the next downturn. You should be able to articulate, in plain terms, what you own and why. If you cannot, find someone who can help you get there. Not a product salesperson — a fiduciary who charges a fee to give you advice that is actually in your interest. Frequently Asked Questions Should I sell my investments when the stock market drops? Selling during a market drop is one of the costliest decisions a retirement investor can make. Research from Hartford Funds shows that 76% of the stock market’s best single days occurred during a bear market or in the first two months of a new bull market. Investors who exit to avoid the declines frequently miss the recoveries that follow almost immediately — often within days. Unless there is a fundamental, company-specific reason to sell, staying invested has historically been the better outcome. How does dividend income protect a retirement portfolio during volatility? Dividend income provides a return that doesn’t depend on stock prices rising. When markets fall, dividends continue to arrive and can cover living expenses without forcing a sale at depressed prices. For retirement investors managing sequence of returns risk, income from dividends reduces or eliminates the need to liquidate holdings at exactly the wrong moment — which is when the long-term damage typically gets done. What is the right way to decide when to sell a stock? The sell decision should be grounded in company-specific valuation and fundamentals — not broad market fear. A position may warrant trimming when its price has risen well beyond what the underlying business justifies, when the dividend yield for new buyers has become unattractive, or when the company’s core business model has changed materially. Selling because the market is falling, absent a specific reason tied to that company, is rarely the right call. Can you successfully time the stock market to avoid losses? Consistent broad market timing has an extremely poor track record. Fidelity’s analysis shows that a hypothetical $10,000 invested in the S&P 500 from 1988 through 2024 grew to over $500,000 for a buy-and-hold investor — but missing just 5 of the best days reduced those gains by 38%, and missing the 50 best days left the investor with under $40,000. The best and worst days cluster together, so exiting to avoid the bad ones typically means missing the good ones too. Valuation analysis on individual holdings is a more reliable guide than macro market calls. What is sequence of returns risk and why does it matter in retirement? Sequence of returns risk is the danger that poor market returns early in retirement — combined with ongoing withdrawals — permanently damage a portfolio before it can recover. Retirement researcher Wade Pfau found that roughly 77% of a portfolio’s final outcome is explained by just the first ten years of returns. Fidelity’s research puts a dollar figure on it: two hypothetical retirees, each starting with $1 million and withdrawing $50,000 a year, experience the same returns over 30 years but in reverse order — one finishes with over $3 million, the other runs out of money by year 27. A dividend-income approach helps manage this risk by providing cash flow that reduces forced selling during down markets. The Close: What the Market Does Not Owe You I learned this one the hard way early in my career, and it cost me personally and it cost some of my clients. The market does not care that you own something. It does not reward loyalty. It does not notice that you’ve held a position through three bad quarters and deserve a good one. The market is just the market. In the long run, it prices things with reasonable efficiency. In the short run, it is highly inefficient — driven by fear, greed, momentum, and a hundred other forces that have nothing to do with the underlying value of the businesses you own. Your job — and our job — is to understand value well enough to hold when the market underprices something good, and to step back when it overprices something we used to like. To get paid while we wait, through dividends. To stay optimistic enough to keep doing this at all, because investing requires belief that businesses will create value over time and that human ingenuity will keep generating things worth owning. None of that is possible if you sell every time it gets uncomfortable. Staying invested is not a passive act. Done right, it is one of the most disciplined things an investor can do. Related Reading and podcasts: The Tom Dupree Show — Full Episode Archive Dupree Financial Group — How We Build Income Portfolios What Is a Fee-Only Fiduciary and Why Does It Matter? Schedule a Complimentary Portfolio Review If you’re not sure whether your portfolio is built to generate income through market volatility — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com About the Author Tom Dupree is the founder of Dupree Financial Group and has worked in the investment industry for 47 years. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky, specializing in income-generating, dividend-paying portfolios for retirees and those approaching retirement. Tom hosts The Tom Dupree Show, a weekly radio program and podcast covering retirement investing topics in plain English. Dupree Financial Group is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. The information presented is for educational purposes only and does not constitute investment advice. All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Securities mentioned are for illustrative purposes only and are not a recommendation to buy or sell any security. Please consult a qualified financial professional before making any investment decisions. The post Staying Invested During Market Volatility: When to Hold and When to Sell | Dupree Financial appeared first on Dupree Financial.

Send us Fan MailJoin your host Clifton Pope as he is joined by U.S. military veteran,Metaphysical Researcher/Trainer/Intuitive Nervous System Guide and Author of the book: Trauma Whispers Before it Roars, Annie Emprima!If you are into metaphysics, you are in for a treat!Our conversation consists of how Annie began to realize from within that it was more than just stress and her mind/body was trying to tell her something deeper after PTSD diagnosis and Deployment!We dive deep into her work on reconnecting mind, body, and soul as Annie guides her through her practice when she is helping someone heal and break down early signs of someone's nervous system carrying unresolved trauma!Not to mention, we break down her book, Trauma Whispers Before it roars and what Annie wants the readers to take away from her book!Visit oneemprima.com to check out all the resources that Annie has to offer and follow her journey!Keep up with every conversation on Apple/Spotify Podcasts/Rumble so you don't miss any details!If you love the show, please leave a rating/review so more people can tune in!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Seit Herbst 2021 berichten wir bei »Inside Austria« jede Woche über große und kleine Skandale in Österreich. In dieser Live-Folge blicken wir zurück und geben exklusive Einblicke in unsere Arbeit. Über 200 Podcastfolgen haben wir bereits produziert. Darin ging es um den Aufstieg und Fall von Ex-Kanzler Sebastian Kurz, den Zerall des Immobilienimperiums von Signa-Gründer René Benko. Um die Macht von Burschenschaften, einen rätselhaften Todesfall am Berg Großglockner oder den Aufstieg österreichischer Rechtspopulisten. Über diese und weitere Recherchen sprechen wir live auf der Bühne des Journalismus Fests in Innsbruck. Welche Folgen mochten wir besonders, was war herausfordernd? Und wie entsteht eigentlich eine Podcast-Serie? Die Live-Folge haben wir im Mai 2026 auf dem Journalismusfest in Innsbruck aufgenommen. Spiegel-Redakteurin Kim Höbel spricht mit den langjährigen Hosts Lucia Heisterkamp und Antonia Rauth über ihr „Best Of“ aus Inside Austria. Im Podcast »Inside Austria« rekonstruieren der SPIEGEL und der österreichische STANDARD gemeinsam Fälle, Skandale und politische Abgründe in Österreich. Wenn euch unser Podcast gefällt, folgt uns doch und lasst uns ein paar Sterne da. Kritik, Feedback oder Themenideen gerne an insideaustria@spiegel.de oder an podcast@derstandard.at Den Inside Austria Newsletter findet ihr hier. +++ Alle Infos zu unseren Werbepartnern finden Sie hier. Die SPIEGEL-Gruppe ist nicht für den Inhalt dieser Seite verantwortlich. +++ Mehr Hintergründe zum Thema erhalten Sie mit SPIEGEL+. Entdecken Sie die digitale Welt des SPIEGEL, unter spiegel.de/abonnieren finden Sie das passende Angebot. Alle SPIEGEL Podcasts finden Sie hier. Den SPIEGEL-WhatsApp-Kanal finden Sie hier. Hier geht es zu unserem SPIEGEL Shop. Alle Newsletter vom SPIEGEL finden Sie hier. Hier geht es zur SPIEGEL Akademie. Sie möchten den SPIEGEL mitgestalten? Registrieren Sie sich bei SPIEGEL Perspektiven. Informationen zu unserer Datenschutzerklärung.

Kuriose Geschichten, ernste Begebenheiten oder verrückte Reportagen: Über 200 Folgen des Podcasts Inside Austria haben wir bereits produziert. Es ging um den Aufstieg und Fall von Ex-Kanzler Sebastian Kurz, den Zerfall des Immobilienimperiums von Signa-Gründer René Benko. Um die Macht von Burschenschaften, einen rätselhaften Todesfall am Berg Großglockner und den Aufstieg österreichischer Rechtspopulisten. Über diese und weitere Recherchen sprechen wir live auf der Bühne des Journalismus Fests in Innsbruck. Wir blicken zurück auf fast fünf Jahre Inside Austria. Welche Folgen mochten wir besonders, was war herausfordernd? Und wie entsteht eigentlich eine Podcast-Serie?

Ready for an argument? League Lists is a new interactive Podcast Series where you nominate the list ... and I share my thoughts. This weeks list, The Best at the Bar!

How does one innovate while still finding their footing as an attending? Shawn Lyo, MD, speaks with host Siddhant Dogra, MD, about building artificial intelligence-driven workflow tools, collaborating with industry, engaging in policy advocacy, and balancing early-career clinical growth with diverse nonclinical pursuits.

On this episode we are joined by Colorado Avalanche goalie Scott Wedgewood. He gets into his journey to the NHL, the Vegas sweep, and more.Download the app today and use promo code STRICK to score SEVENTY-FIVE DOLLARS in Fantasy Bonus Entries when you play your first FIVE dollar. Must be 18+ (19+ in AL, NE; 19+) in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.npcgamling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)Head to policygenius.com/CAM to compare life insurance quotes from top companies and see how much you could save.Right now, Betterwild is offering our listeners up to 40% off your order at betterwild.com/CAMControl Body Odor ANYWHERE with Mando (https://shopmando.com/) and get 20% off + free shipping with promo code STRICK at shopmando.com (https://shopmando.com/) #mandopodCheck out our Sponsors!

Send us Fan MailJoin your host Clifton Pope as he is back with another solocast with the June 2026 installment of the Spiritual Enlightment Series making its grand return!In this month's episode, Clifton Pope breaks down how The Most High GOD favors wisdom overall and how not every tradition defines GOD, truth, or salvation the same way!The key is that wisdom helps us humans move from confusion to clarity, bondage to insight, and from chaos to alignment!Don't miss any conversation or details by staying in tune via Apple/Spotify Podcasts/Rumble!Receive your copy of the Fitness Mirage on Amazon now with link below and leave a review so more people can tune in!https://www.amazon.com/dp/B0GY1FZZPKIf you love the show, please leave a rating/review so more people can tune in!Thank you for the love and support!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Send us Fan MailJoin your host Clifton Pope as he is back with Devora-Gila Berkowitz with PT. 2 of our thrilling 2 part conversation you don't want to miss!Devora_Gila Berkowitz is a Medical Intuitive, Somatic Energy Healer, Mind-BOdy Coach and Spiritual Guide who supports you to heal at the root so you can feel lighter, reconnected and realigned through her platform/business: Ease and Flow Soul in partnership with Divine Source/GOD!She has helped achieving creatives, transformational leaders, coaches, healers and others reach their next highest level of healing so they can make a bigger impact in their family, life, and business!If you thought PT. 1 was special, wait until you hear PT. 2Pt. 2 of our conversation consists of Devora explaining her 5 step process: Conscious Awareness, Compassion, Curiosity, Creativity, and Committed Action and which one people resists the most during her practice!Not to mention, Devora dives deeper into her mission towards helping people discover the root cause instead of just managing symptoms!'Devora also provides keys pieces of advice for anyone to take right now to start their own healing journey!Keep up with every conversation on Apple/Spotify Podcasts/Rumble so you don't miss any details!Support the show with your choice of 3 exclusive-filled tiers at https://buymeacoffee.com/cphfwbIf you love the show, please leave a rating/review so more people can tune in!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Send us a messageAny religion outside of true Christianity falls into the category of a mystery religion, as ultimately, they all lead people to damnation. Mystery Babylon is a stridency of confusion, offering many false paths to salvation. Some of the Epistles were written to counter false teachings of the Gnostics (1 John 4:2), and the Nicolaitans (Rev. 2:15), that had already begun to creep into the early church. Jesus also warned of these apostates in Matthew 7:15-16: “Beware of false prophets, which come to you in sheep's clothing, but inwardly they are ravenous wolves. You will know them by their fruits.” A wolf is merciless, devouring its prey with no hesitation. Being wrapped in sheep's clothing makes these false teachers all the more dangerous. Only by knowing the doctrines of the Bible can we seek to avoid deception in these last days, and remain steadfast in readiness – for Jesus comes quickly!(Carl Joseph: “What Is Mystery Babylon?”)Support the showVisit our website: https://agapelightministries.com/

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They specialize in helping adults 50 and older build portfolios designed to generate income that can keep pace with inflation over time." } } ] } ] } The Nike Cautionary Tale: What Happens When Leadership Loses Touch With Its Customers The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Nike spent decades building one of the most recognized brands on the planet — the Swoosh, the Air Jordan, high-heat basketball shoes that consumers lined up for, and a presence in every major sporting goods retailer in the world. Then, in 2020, the company handed its future to a CEO who believed physical retail was a dying model, and what followed became a business school study in how quickly a great company can lose its way. In this episode of The Tom Dupree Show, host Tom Dupree and analyst Michael Dawahare walk through the full arc of Nike’s rise and decline — from its origins in a track coach’s garage to a stock that traded at $180 and has since fallen to around $44. They examine the strategic decisions that caused the damage, the board failures that let it compound, and the hard-won lesson that consumer loyalty, once transferred to a competitor, is almost impossible to reclaim. And for anyone managing retirement assets, the parallels are direct: proven strategies should not be abandoned for untested ones, fundamentals matter more than narratives, and the cost of a foundational error can take years to undo. You cannot put your own lenses on the lenses of your customer — you have to ask how they see the world, not how you see it. — Tom Dupree How Nike Built the Brand — and What It Was Actually Built On Nike was founded on performance athletics. Phil Knight, a runner at the University of Oregon, partnered with legendary track coach Bill Bowerman — who famously experimented with a waffle iron to create better running soles — and built a company that stood for technical innovation and athletic credibility. The brand’s cultural ascent accelerated in 1984 with the signing of Michael Jordan, and from there, Nike became what everyone knows: the dominant force in athletic footwear and apparel, consistently ranked among the world’s most recognized brands. At its peak, Nike operated across multiple business lines — high-heat basketball, lifestyle and streetwear, performance running, and endorsement deals with some of the most iconic athletes in the world. Its Jordan Brand alone eventually grew to represent 25–30% of total business. But that success carried a hidden fragility: the Jordan Brand was built on a generational talent, and there was no clear plan for what would carry that brand forward once Jordan’s cultural relevance inevitably faded with younger consumers. The 2020 CEO Transition and the Fatal Pivot When Nike’s board appointed John Donahoe as CEO in 2020, it elevated someone who had served on the board since 2014 and who had an exceptional track record — at eBay and ServiceNow. But his entire professional background was in direct-to-consumer digital commerce, and he arrived at Nike with a conviction that physical retail distribution was a slowly melting ice cube. His plan: reduce Nike’s dependence on wholesale partners — Foot Locker, Dick’s Sporting Goods, specialty running retailers — and shift the business toward a pure direct-to-consumer model. Margins would improve by eliminating the distribution layer. And the consumer, Donahoe believed, would simply find Nike on their phone rather than in a store. The pandemic made it look like a genius. Physical retail was disrupted, Nike’s direct channels surged, the stock reached all-time highs around $180, and the board was enthusiastic. Beneath the surface, the strategy was already creating irreversible damage. The Shelf Space Problem — and the Competitors Who Said Thank You When Nike told its wholesale partners they would be receiving significantly less product going forward, those partners did not fight back. They simply filled the space with someone else. HOKA — already a credible running brand — accelerated its growth dramatically. On Cloud, a Swiss performance running brand, began one of the most remarkable growth runs in the industry, expanding into running, tennis, golf, and multiple other categories simultaneously. New Balance, ASICS, and Brooks also claimed their share of the newly available retail real estate. The consumer who walked into a Foot Locker or Dick’s and encountered a wall of Nike was now encountering a much more competitive set of choices. They tried the alternatives. Many of them preferred what they found. And once a runner builds loyalty to a particular shoe platform — especially in a category where consumers replace their shoes every 90 days — that loyalty is remarkably durable. Nike also lost something less tangible but equally important: the feedback loop. Specialty running retailers were the ground-level intelligence network that told Nike week by week what runners wanted, what was working, and where the product needed to improve. When Nike walked away from that channel, it walked away from its early warning system. The Board Failure — and the Groupthink That Let It Happen One of the most striking aspects of the Nike story is not that one CEO had a flawed conviction — that happens — but that an entire board of accomplished executives approved and sustained a strategy that was, in hindsight, obviously misaligned with how Nike’s business actually worked. By some accounts, Tim Cook of Apple was on that board during part of this period. It is difficult to imagine Cook making an analogous argument that Apple did not need its retail stores. The dynamic Tom and Michael describe is familiar to anyone who studies large organizations: board members are generally reluctant to challenge a CEO too forcefully, because the social and professional cost of being the dissenter is real. The result is groupthink — a board that validates a strategy long past the point where the data should have prompted hard questions. By late 2022 and into 2023, the numbers made it undeniable. Nike attempted to reverse course, reaching back out to wholesale partners and offering them premium product. The response was polite — and firm. Retailers were glad to take the high-demand items that consumers queued for. The rest of Nike’s moderate catalog? They had already replaced it, and they were satisfied with what they had. Where Nike Stands Today The board replaced Donahoe with Elliott Hill in September 2024. Hill’s story is genuinely different from his predecessor’s: he started in a Nike stockroom and built his entire career inside the company, earning credibility at every level. He speaks clearly and credibly about what went wrong and what needs to happen. And nearly two years into his tenure, Nike’s stock remains near $44 — roughly 75% below its peak —, and the company has not yet found its footing. In running — the category that gave Nike its identity — the brand no longer consistently appears in the top 10 for preferred shoes among dedicated runners. In China, sales are down 20–30% in recent quarters. On Cloud continues to grow at roughly 50% per quarter. The chart, as Tom notes throughout this episode, always tells the story: if a real recovery is underway, you will see it in the price action. The current chart does not yet show that. What This Means for Your Retirement Portfolio Tom closes this episode with a point that connects the Nike story directly to retirement investing: when someone tells you that a proven model is outdated — that index funds are so last century, or that some new product captures market upside without any downside — the right questions are always the same. What is the process? Has it been tested across different market conditions? And who benefits when you believe in it? The investor who abandons a sound income strategy during a period of volatility, convinced by a compelling narrative, is making the same error Donahoe made. The fundamentals that built something durable do not become wrong because someone new arrived with a different set of lenses. Key Takeaways Know what your business — or portfolio — is actually built on. The moment Nike shifted focus from technical performance products, competitors filled the gap. Investors face the same risk when strategies drift from the principles that made them work. Never surrender your shelf space. Giving up distribution is almost impossible to reverse. The same principle applies when investors abandon a proven income strategy during volatility — re-entry is rarely seamless. Leadership bias is one of the most expensive mistakes in business. Donahoe was an outstanding digital executive who ran a physical consumer company through a digital lens. Bias in a CEO or a portfolio manager costs real money. Boards exist to prevent catastrophic decisions. Most don’t. Nike’s board approved a strategy that effectively fired its wholesale customer base. Institutional oversight is only as good as the willingness to ask uncomfortable questions. Consumer loyalty, once transferred, is remarkably sticky. Runners who found HOKA or On Cloud did not come back. When you give a customer a reason to try something else, and they love it, you may have lost them permanently. Recovery from a foundational strategic error takes far longer than the error itself. The damage from a few years of bad decisions can take a decade to undo — in business and in retirement portfolios. Proven strategies deserve skepticism about replacement, not abandonment. When a new model sounds compelling, the questions are always: what’s the process, has it been tested, and who benefits from your belief in it? Frequently Asked Questions What caused Nike’s stock to fall from $180 to around $44? Nike’s decline was driven primarily by a strategic pivot under CEO John Donahoe, who took over in 2020 and aggressively reduced the company’s reliance on wholesale partners in favor of a direct-to-consumer digital model. This freed up shelf space for competitors like HOKA and On Cloud, whose products consumers tried, preferred, and stayed with. Nike also lost focus on technical product innovation — the foundation of the brand — and the combination proved very difficult to reverse. What leadership lessons can retirement investors take from Nike’s decline? The Nike story illustrates several principles that apply directly to managing retirement assets: proven strategies should not be abandoned in favor of untested new models; losing touch with core fundamentals creates compounding damage; and when someone tells you the old approach is outdated, the right question is always whether the new approach has been tested and who benefits from your belief in it. Why did Nike’s wholesale withdrawal strategy fail? Nike believed consumers would migrate online and that eliminating wholesale intermediaries would improve margins. What actually happened was that vacated shelf space went to competitors — HOKA, On Cloud, New Balance, ASICS, and Brooks — who earned consumer loyalty through it. Once runners found a shoe they preferred, they did not switch back. Nike also lost the critical feedback loop that specialty running retailers provided. Who is Elliott Hill and can he turn Nike around? Elliott Hill replaced John Donahoe as Nike CEO in September 2024. Unlike his predecessor, Hill spent his entire career at Nike, starting at the lowest rungs and earning his way up. He is widely regarded as credible and clear-eyed about the challenges. However, nearly two years into his tenure, Nike has not yet regained meaningful traction — illustrating how much harder recovery is than the original damage. What is Dupree Financial Group’s investment approach for retirement income? Dupree Financial Group is a fee-only, fiduciary SEC-registered RIA based in Lexington, Kentucky. The firm builds retirement income strategies around dividend-paying, income-generating separately managed accounts — with no products sold, no commissions, and no conflicts of interest. They specialize in helping adults 50 and older build portfolios designed to generate income that can keep pace with inflation over time. Schedule a Complimentary Portfolio Review If you’re not sure whether your portfolio is built on the same principles Nike abandoned — proven strategy, staying close to what works, and never losing sight of the fundamentals — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com Dupree Financial Group is a Registered Investment Adviser (RIA) registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The information presented on this podcast is for educational purposes only and should not be construed as personalized investment advice. Past performance is not indicative of future results. Investing involves risk, including the potential loss of principal. Please consult a qualified financial professional before making investment decisions. The post Nike’s Fall: Leadership Lessons for Retirement Investors appeared first on Dupree Financial.

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Knowing When to Sell Is Everything.", "description": "Tom Dupree, Mike Johnson, and James Dupree walk through the complete sell discipline used at Dupree Financial Group — covering valuation signals, dividend yield compression, tax-smart exits, emotional traps, and real portfolio examples.", "url": "https://dupreefinancial.com/blog/when-to-sell-stock-sell-discipline-retirement-investing/", "partOfSeries": { "@type": "PodcastSeries", "name": "The Tom Dupree Show", "url": "https://dupreefinancial.com" }, "author": { "@type": "Person", "name": "Tom Dupree" }, "publisher": { "@type": "Organization", "name": "Dupree Financial Group", "url": "https://dupreefinancial.com" } } { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How do you know when to sell a stock?", "acceptedAnswer": { "@type": "Answer", "text": "The best sell decisions are driven by valuation, not price alone. 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Without a sell discipline, investors tend to hold winners too long out of greed and losers too long out of denial." } }, { "@type": "Question", "name": "Should I sell a stock that has doubled in price?", "acceptedAnswer": { "@type": "Answer", "text": "Not necessarily — but a doubling in price is a strong signal to re-examine the thesis. If the stock is a dividend payer, check the current yield: a stock that once yielded 6.5% and now yields 3.4% purely because of price appreciation may have priced in years of future growth. In that case, trimming a portion and capturing gains as dry powder for redeployment is a disciplined approach even if the company itself remains strong." } }, { "@type": "Question", "name": "How do taxes affect the decision to sell a stock?", "acceptedAnswer": { "@type": "Answer", "text": "In taxable accounts, selling at a gain triggers capital gains tax — either short-term (ordinary income rates) or long-term (lower rates, for assets held over one year). A key strategy is tax-loss harvesting: selling positions with unrealized losses to offset realized gains. You can repurchase the same security after 30 days under the wash sale rule. For highly appreciated, low-basis positions, gifting shares directly to charity avoids tax entirely for both donor and recipient." } }, { "@type": "Question", "name": "What is FOMO in investing and how does it cause mistakes?", "acceptedAnswer": { "@type": "Answer", "text": "FOMO — fear of missing out — causes investors to hold positions long after a rational sell signal has appeared, because they fear the stock will keep rising after they exit. It also leads investors to hold falling stocks in denial, hoping for a recovery. Both behaviors stem from emotional decision-making rather than objective analysis. Having pre-established valuation criteria and working with an investment committee helps counteract FOMO and its mirror image, paralysis." } } ] } Buying a Stock Is Easy. Knowing When to Sell Is Everything. The Tom Dupree Show  |  Dupree Financial Group  |  dupreefinancial.com  |  859-233-0400 A sound sell discipline is one of the most overlooked parts of retirement investing — every investor knows how to buy a stock, but the moment that determines real wealth, or real loss, is the moment you decide to sell. In this episode of The Tom Dupree Show, Tom Dupree, Lead Advisor Mike Johnson, and in-house analyst James Dupree lay out the sell discipline that has guided Dupree Financial Group’s portfolios for decades. The conversation covers what triggers a trim, what triggers a full exit, and why waiting for someone else to tell you to sell is one of the costliest mistakes in investing. The team works through real examples — from Freddie Mac and WorldCom in the early 2000s to a local company that went up twenty times before going back to zero — and explains the framework behind each decision. Along the way, they address growth stocks, dividend payers, pipeline companies, oil stocks, and AI infrastructure plays, showing how the sell criteria differ by asset type even as the underlying discipline stays consistent. “Buying a stock is easy. Selling a stock — regardless of whether it’s up or down — is a lot harder to do.” — Tom Dupree Why Sell Discipline Matters in Retirement Investing Most investment conversations focus on what to buy. Sell discipline gets far less attention — yet it is the mechanism that actually converts paper gains into real money. As Tom put it on the show, you don’t realize anything until it’s sold. Dividends deliver income along the way, but capital appreciation only benefits you when you act on it. This is exactly the kind of sell discipline retirement investing question that Dupree Financial Group works through with every client. The team described the buy discipline as relatively straightforward: you find a company with a compelling valuation, a durable dividend, or a strong revenue growth story, and you build a position. The sell decision is far more nuanced because it involves not just the company’s fundamentals but also your portfolio’s overall risk profile, tax situation, current market conditions, and where you are in your financial life. Different Assets Require Different Sell Metrics One of the clearest takeaways from this episode is that sell criteria are not universal — they must be tailored to the type of asset you own. Growth stocks and AI companies often lack traditional earnings metrics, so James Dupree explained that the team evaluates them on revenue guidance and gross margin targets. When management demonstrates they can execute — beating their own guidance consistently — the market rewards them with premium valuations. When that execution story breaks down, or when the stock has priced in years of future growth, it is time to take some off the table. Dividend-paying stocks use a different lens: current yield. Tom described a stock the firm bought yielding 6.5% that now yields roughly 3.4% — not because the dividend was cut, but because the price nearly doubled. That yield compression is the market’s way of signaling that the optimism has been priced in. Capturing three years’ worth of dividends in two months of price appreciation is a compelling reason to trim. REITs are evaluated on price-to-adjusted cash flow rather than price-to-earnings. Pipeline companies may be held long past a traditional sell target because their dividend stream is so strong and growing that the income justifies continued ownership. Every sector, and every individual company within a sector, has its own intricacies. Trimming vs. Exiting: The Power of Partial Sales Mike Johnson emphasized that most sell decisions at Dupree Financial are not binary. Rather than exiting a position entirely, the team frequently trims — reducing a holding that has become overweight and redeploying the proceeds into money market as dry powder. That cash position carries real optionality: when a market pullback creates entry points in other names, the firm is already positioned to act. The team recently used this approach with oil stocks. Several integrated oil companies had appreciated 25–30% over the past year even as oil prices remained flat. The underlying businesses are excellent operators, but there is a ceiling on how much an oil company can grow — demand is finite, production costs are finite, and the economics do not allow for the kind of multiple expansion you can see in software or AI. Taking profits there freed up capital for infrastructure and reshoring plays that offer better forward returns at reasonable valuations. Risk Profile Is a Sell Signal Too Tom described a stock the firm added to significantly in April of the prior year — a diesel engine manufacturer that turned out to have strong AI-adjacent tailwinds. The position appreciated considerably. Even though the team still believed in the company, they trimmed because the position had grown so large it changed the portfolio’s overall risk profile. The question was not “do we still like this company?” but “does this concentration match what our clients are paying us to manage?” Similarly, a high-conviction AI holding trimmed in October had briefly become the largest position in the portfolio after rapid price appreciation. The mandate from clients calls for a diversified, income-oriented portfolio — not a concentrated bet on any single name, regardless of how strong the thesis is. The Emotional Traps: FOMO, Greed, and Legacy Holdings Tom shared two memorable examples of how emotions derail sell decisions. The first was a locally well-known company whose stock rose twenty times before collapsing back to zero. Investors who rode it all the way up — and all the way back down — had been told to take some off the table. They refused, emotionally unable to accept that paper gains only become real when you sell. The second example was a widow whose late husband had told her never to sell two particular stocks. She was holding roughly $300,000 in those two positions at a blended yield of about 2.1% — generating around $6,000 per year. A redeployment into holdings yielding 7% would have generated closer to $21,000 annually. The husband’s advice may have been reasonable at the time, but circumstances changed. Her income needs changed. The advice never got updated. Mike also drew the parallel to how individual investors today feel about broad index funds or the S&P 500 — looking at five-year performance charts and feeling unable to reduce exposure because “it might keep going up.” That mindset, he noted, is identical to the emotional pattern that preceded every major market drawdown. The antidote is asking a simple question: do the numbers still work for me if this drops 30% or 40%? The Tax Dimension of Selling In taxable accounts, selling is never just an investment decision — it is also a tax event. Tom and Mike outlined several strategies the firm uses to manage that dimension: Tax-loss harvesting: Selling positions with unrealized losses to offset realized gains elsewhere in the portfolio. The firm deliberately maintains a few losers for this purpose. Wash sale management: After harvesting a loss, you can repurchase the same security after 30 days and still recognize the tax benefit. Charitable gifting of appreciated shares: For long-held, low-basis positions, gifting shares directly to a charity allows the donor to take a deduction at full fair market value while the charity pays no capital gains tax. This also serves as a rebalancing tool — reducing concentration without triggering a taxable event. Stepped-up cost basis: For clients with health concerns, holding a highly appreciated position until death transfers it to heirs at the current market value, eliminating the embedded gain entirely. As the team noted: the right answer always depends on the individual’s situation — the tax shelter of the account, charitable inclinations, estate planning goals, and overall income needs. A Cautionary Tale from Wall Street Tom closed the first segment with a story from early in his career at a large brokerage firm. A prominent New York analyst had a buy list — the “focus list” — that brokers across the country used to build client portfolios. Through the late 1990s bull market, the list performed well, and the analyst became a star. When the market began its steep decline in 2000 through 2002, the analyst issued no sell ratings. He went quiet. Brokers and their clients waited for guidance that never came. Many lost significant sums as a result. The reason, Tom observed, was simple: issuing a sell rating would have been an admission that the original buy call was wrong. Professional reputation got in the way of professional responsibility. It is exactly why Dupree Financial conducts all research in-house, maintains an investment committee where theses are challenged regularly, and retains the authority to move quickly — without waiting for a third-party analyst to give permission. You can hear more episodes like this one on the Tom Dupree Show Radio archive. Frequently Asked Questions About Sell Discipline in Retirement Investing How do you know when to sell a stock? The best sell decisions are driven by valuation, not price alone. Before buying, establish the price or valuation level at which you would be satisfied selling. If the stock exceeds that target, revisit the thesis. For dividend stocks, watch current yield — when it compresses significantly due to price appreciation, the market may be pricing in too much optimism. For growth stocks, monitor revenue guidance and gross margin targets. The key is having objective criteria rather than letting emotion drive the decision. What is a sell discipline in investing? A sell discipline is a systematic, pre-defined set of criteria that guides when to reduce or exit a position — independent of emotion or market noise. It includes valuation targets, yield thresholds, risk profile limits, dividend sustainability checks, and tax considerations. Without a sell discipline, investors tend to hold winners too long out of greed and losers too long out of denial. Should I sell a stock that has doubled in price? Not necessarily — but a doubling in price is a strong signal to re-examine the thesis. If the stock is a dividend payer, check the current yield: a stock that once yielded 6.5% and now yields 3.4% purely because of price appreciation may have priced in years of future growth. In that case, trimming a portion and capturing gains as dry powder for redeployment is a disciplined approach even if the company itself remains strong. How do taxes affect the decision to sell a stock? In taxable accounts, selling at a gain triggers capital gains tax — either short-term (ordinary income rates) or long-term (lower rates, for assets held over one year). A key strategy is tax-loss harvesting: selling positions with unrealized losses to offset realized gains. You can repurchase the same security after 30 days under the wash sale rule. For highly appreciated, low-basis positions, gifting shares directly to charity avoids tax entirely for both donor and recipient. What is FOMO in investing and how does it cause mistakes? FOMO — fear of missing out — causes investors to hold positions long after a rational sell signal has appeared, because they fear the stock will keep rising after they exit. It also leads investors to hold falling stocks in denial, hoping for a recovery. Both behaviors stem from emotional decision-making rather than objective analysis. Having pre-established valuation criteria and working with an investment committee helps counteract FOMO and the paralysis it creates. Schedule a Complimentary Portfolio Review If you’re not sure whether your current portfolio reflects a real sell discipline — or whether you’re holding things longer than you should be — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com Dupree Financial Group is a Registered Investment Advisor (RIA) registered with the Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The information presented on this program is for educational purposes only and does not constitute investment advice, a solicitation, or a recommendation to buy or sell any security. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial advisor before making any investment decisions. The post When to Sell a Stock: Sell Discipline for Retirement Investors | Dupree Financial appeared first on Dupree Financial.

Ready for an argument? League Lists is a new interactive Podcast Series where you nominate the list ... and I share my thoughts. This weeks list, The Best Wingers!

Children need to feel seen, safe, and supported! Laura Gould BS CCLS joins host, Raisa Amiruddin MBBS, to discuss the value of soft language, gentle validation, and the impact of giving children a voice in their own care. Discover how simple human connection can transform imaging suites into warm, safe spaces for kids. 

On this episode we are joined by Stanley cup champion with the Carolina Hurricanes, Erik Cole.Download the app today and use promo code STRICK to score SEVENTY-FIVE DOLLARS in Fantasy Bonus Entries when you play your first FIVE dollar. Must be 18+ (19+ in AL, NE; 19+) in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.npcgamling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)Head to policygenius.com/CAM to compare life insurance quotes from top companies and see how much you could save.Right now, Betterwild is offering our listeners up to 40% off your order at betterwild.com/CAMControl Body Odor ANYWHERE with Mando (https://shopmando.com/) and get 20% off + free shipping with promo code STRICK at shopmando.com (https://shopmando.com/) #mandopodCheck out our Sponsors!

Send us Fan MailJoin your host Clifton Pope as he is back once again with another solocast as The Wellness Whisperer Series has made its return for the June 2026 installment!In this month's edition, Clifton Pope breaks down the 5 myths of exercise transformation for people chasing a version of fitness that looks good on the outside but leaves them empty, frustrated, disconnected, and burned out on the inside!This is all in relation to Clifton Pope's latest book, The Fitness Mirage, available on Amazon in ebook/Paperback and on Gumroad via audiobook!Receive your copy with the links below and leave a review so more people can receive their copy!https://www.amazon.com/dp/B0GY1FZZPKhttps://cpope26.gumroad.com/l/zzyfdKeep up with every conversation on Apple/Spotify Podcasts/Rumble so you don't miss any details!If you love the show, please leave a rating/review for more people to tune in!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

In today's world, so many buyers have one eyebrow up when they meet with vendors. A classic, and easily detectable mistake is when vendors rely on assertions instead of claims. What's the difference? A claim is a statement that can be backed up with evidence, and an assertion is a baseless statement with little, to no evidence as back up. Where do you and your customer facing teams fall? Maybe it's time to make sure that you're using claims instead of assertions?Support the show

Send us Fan MailJoin your host Clifton Pope as he is joined by Devora-Gila Berkowitz with another thrilling 2 part conversation you don't want to miss!Devora_Gila Berkowitz is a Medical Intuitive, Somatic Energy Healer, Mind-BOdy Coach and Spiritual Guide who supports you to heal at the root so you can feel lighter, reconnected and realigned through her platform/business: Ease and Flow Soul in partnership with Divine Source/GOD!She has helped achieving creatives, transformational leaders, coaches, healers and others reach their next highest level of healing so they can make a bigger impact in their family, life, and business!Pt. 1 of our conversation consists of Devora discussing how she never was enough and things had to be perfect as a child which built pressure growing up in her life to overcoming a crisis in her 20s through yoga and healing!We also dive into the warning signs that someone is running on empty due to carrying stress, being overwhelmed, and burnt out!This is only PT. 1 so be sure to visit easeandflowsoul.com to keep up with the journey of Devora-Gila Berkowitz!Keep up with every conversation on Apple/Spotify Podcasts/Rumble so you don't miss any details!Support the show with your choice of 3 exclusive-filled tiers at https://buymeacoffee.com/cphfwbIf you love the show, please leave a rating/review so more people can tune in!Thank you for the love and support!Support the showhttps://athleticism.com/HEALTHFWEALTHBhttps://coolgreenclothing.com/HEALTHFITNESSWEALTHBUSINESShttps://normotim.com/HEALTHFIThttps://www.portablemeshnebulizer.com/pages/collab?dt_id=2573900official affiliates of the HFWB Podcast SeriesPlease support the mission behind each product/services  as it helps grow the HFWB Podcast Series to where the show can continue to roll along!

Fluent Fiction - Hungarian: Unveiling the Lost Secrets of Karhegy: A Journey Through Time Find the full episode transcript, vocabulary words, and more:fluentfiction.com/hu/episode/2026-06-15-07-38-19-hu Story Transcript:Hu: A nap lebukott a horizont felett, gyengéd arany fényt hintve a régmúlt romjaira.En: The sun set below the horizon, casting a gentle golden light on the ancient ruins.Hu: Karhegy hanyatlik ódon falaival és a sós tengeri szellő susogásával, őrizve időtlen titkait.En: Karhegy lay with its antiquated walls and the whisper of the salty sea breeze, guarding its timeless secrets.Hu: Bálint lelkesen kotorászott egy ősi, porlepte könyvvel a kezében.En: Bálint eagerly rummaged with an ancient, dust-covered book in his hand.Hu: A régész a római kori karavánok legendás kincseit kereste, míg mellette Emese, a töprengő történész, kételkedően rázta a fejét.En: The archaeologist was searching for the legendary treasures of the Roman caravan while beside him, Emese, the contemplative historian, shook her head doubtfully.Hu: – Mit tehettek ezek az egyszerű leletek?En: "What could these simple artifacts do?"Hu: – kérdezte Emese, mint aki mindent tudott már, amit érdemes tudni.En: asked Emese, as if she already knew everything worth knowing.Hu: – Többet, mint gondolnád – válaszolta Bálint, miközben lapozott.En: "More than you would think," replied Bálint, as he turned the pages.Hu: – Az egyik ilyen artefaktum talán a legendás misztériumok része lehet!En: "One of these artifacts might be part of the legendary mysteries!"Hu: László, a tapasztalt helyi útmutató, csendesen hallgatott.En: László, the experienced local guide, listened quietly.Hu: Jól ismerte a romokat, az elbeszélésekben élő szellemekkel, és velük járó baljós veszedelemmel.En: He was well-versed in the ruins, the spirits living in the tales, and the ominous danger that accompanied them.Hu: – Érdemes óvatosnak lenni – szólalt meg végül László.En: "It's wise to be cautious," László finally spoke.Hu: – A helyiek azt mondják, akik túl mélyen ásnak, gyakran már nem térnek vissza.En: "The locals say those who dig too deep often don't return."Hu: De Bálint szenvedélye lángolt, és csak egyetlen út maradt előtte: egy régi hír, mely azt állította, hogy a romok alatt rejtőzik egy szoba, tele ősi vésetekkel.En: But Bálint's passion burned brightly, and only one path lay ahead of him: an old report claiming that beneath the ruins lies a room filled with ancient carvings.Hu: Nem törődött sem Emese szemléletével, sem László figyelmeztetésével – elhatározta, hogy megtalálja.En: He paid no heed to either Emese's perspective or László's warning—he was determined to find it.Hu: Ahogy mélyebbre hatoltak az elhagyott szárnyak között, László bátorította őket rövidke történetekkel és tanácsokkal.En: As they delved deeper into the abandoned wings, László encouraged them with brief stories and advice.Hu: Ám nem számítottak arra, mi vár rájuk: egy rejtett kamrát találtak, de az csapdákkal volt tele.En: Yet, they were unprepared for what awaited them: they discovered a hidden chamber, but it was filled with traps.Hu: A falakon ősi jelképek ragyogtak.En: Ancient symbols glowed on the walls.Hu: Bálint megbűvölten nézte őket, tudván, hogy a válasz közel van.En: Bálint gazed at them, enchanted, knowing the answer was near.Hu: De amint egy kicsit közelebb léptek, a padló alattuk recsegni kezdett.En: But as they stepped a little closer, the floor began to creak beneath them.Hu: László gyors szemmel mérte fel a helyzetet.En: László quickly assessed the situation with keen eyes.Hu: Egy régi mese visszhangzott a fejében, példát mutatva, hogyan lehetne kijutni.En: An old tale echoed in his mind, providing an example of how to escape.Hu: Lassú lépésekkel visszavonultak, a csapdákat kerülgetve, László gyors tervének hála.En: With slow steps, they retreated, avoiding the traps thanks to László's swift plan.Hu: Amint kint voltak, biztos távolságban, Bálint rájött, hogy többé barátként kell kezelnie a helyi hagyományokat, nem pedig akadályként.En: Once they were outside, at a safe distance, Bálint realized he must treat local traditions as friends rather than obstacles.Hu: Emese, aki mindeközben látott és tapasztalt, elgondolkodott.En: Emese, who had seen and experienced everything in the meantime, pondered.Hu: Talán ezek az ősi históriák mégiscsak magukban rejtenek egyfajta igazságot.En: Perhaps these ancient stories indeed held a kind of truth.Hu: Némi hűvös szél borzolta a tájat, ahogy az ókori romok titkait újra a természet rejteni kezdte.En: A cool breeze rustled the landscape as the ancient ruins' secrets once again began to be hidden by nature.Hu: Újra felfedezték a világból eltűnt múltat – és valahol, egy másik helyen, egy ismeretlen történet született.En: They had rediscovered a past lost to the world—and somewhere, in another place, an unknown story was being born. Vocabulary Words:horizon: horizontgentle: gyengédancient: régmúltruins: romjairalay: hanyatlikwhisper: susogásávalbreezes: szellőrummaged: kotorászottdust-covered: porleptecaravan: karavánokcontemplative: töprengődoubtfully: kételkedőenartifacts: leletekmysteries: misztériumokexperienced: tapasztaltominous: baljósdanger: veszedelemcautious: óvatosnakheed: törődöttdelved: hatoltakabandoned: elhagyottwings: szárnyakencouraged: bátorítottatrap: csapdákglowed: ragyogtakenchanted: megbűvöltencreak: recsegniretreated: visszavonultakswift: gyorstreat: kezelnie

Send us a messageIn this message we are going to concentrate on Religious Babylon, and how the spirit that rules over it is drawing multitudes into its ecumenical clutches – with such masterful deception – that many who name themselves Christian are falling prey to her beguiling Witchcraft. The mandate of 1 John 4:1 to - “test every spirit” - has never been more urgent. And with that Holy Spirit decree to guide us, we will continue to uncover the devices of the enemy that have been hidden behind his masterful counterfeits, while proclaiming the unadulterated Word of God's Truth which alone reveals the One Who is the Way, and the Truth, and the Life – Yeshua Hamashiach – Jesus the Messiah!Support the showVisit our website: https://agapelightministries.com/

Have you heard about the Interventional Initiative? Isabel Newton, MD, PhD, joins cohosts Lindsey Negrete, MD, and Amy Maduram, MD, to discuss filmmaking lessons from her experience creating the award-winning docuseries "Without a Scalpel", global partnerships while filming in Tanzania, and fostering patient access for minimally invasive care options. 

In this trailer episode, Pete reflects on the Importance (and the power of this capital "I") of Rage Against the Machine and their seminal Evil Empire album, which is celebrating 30 years of resistance. The limited podcast series will do a deep exploration of, and reflection on, the lyrics and context of each of the 12 powerful songs on the album.   Individual episodes can be bought for $3, and the whole series for $20.   BUY THE EPISODE HERE, VIA PATREON

On this episode we are joined by former Islander, King and Leaf Jason Blake. He breaks down his son Jackson Blake's run in Carolina, issues in Toronto and more.Download the app today and use promo code STRICK to score SEVENTY-FIVE DOLLARS in Fantasy Bonus Entries when you play your first FIVE dollar. Must be 18+ (19+ in AL, NE; 19+) in CO for some games; 21+ in AZ, MA, and VA) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-MY-RESET or 1-800-GAMBLER or visit www.npcgamling.org; AZ: 1-800-NEXT-STEP (1-800-639-8783) or text NEXT-STEP to 53342; NY: Call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY (467369)Head to policygenius.com/CAM to compare life insurance quotes from top companies and see how much you could save.Right now, Betterwild is offering our listeners up to 40% off your order at betterwild.com/CAMControl Body Odor ANYWHERE with Mando (https://shopmando.com/) and get 20% off + free shipping with promo code STRICK at shopmando.com (https://shopmando.com/) #mandopodCheck out our Sponsors!