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On this episode of The Hollywood Outsider podcast, our topic stems from the topic of Disclosure Day, are aliens really among us? Is it too ridiculous at this point to believe the government could hide such a vast conspiracy? Let's dive in, plus discuss our favorite aliens coming to Earth films. Also, this week: we reflect on 2026 to this point, hits and misses, but a bit of randomness. Discussed on this episode (0:00 – 44:05) Opening | 2026 at a Glance and a Bit of Randomness (44:06 – 1:13:29) From the Outside In: Aliens and Science Fiction Films Please support The Hollywood Outsider and gain immediate access to bonus content, including Patreon exclusive podcast content like our Bad Movie Night by visiting Patreon.com/ TheHollywoodOutsider Be sure to join our Facebook Group Subscribe on Apple Subscribe on Spotify Subscribe via RSS
Matt Slick Live (Live Broadcast of 06/5/2026) is a production of the Christian Apologetics Research Ministry (CARM). Matt answers questions on topics such as: The Bible, Apologetics, Theology, World Religions, Atheism, and other issues! You can also email questions to Matt using: info@carm.org, Put "Radio Show Question" in the Subject line! Answers will be discussed in a future show. Topics Include: Hermeneutics to understand Scripture/ All the believing ones/ Sin cancelled at the Cross/ Eastern Orthodox and the Catholic Church/False Gospel/ God's Sovereignty is beyond man's reason/ Exorcism and demonic activity/ Randomness and God's Will/ Libertarianism and Compatibilism/ June 5, 2026
Engineer Aaron Lindenberg is an expert in the ways atoms and electrons move through materials. He uses X-ray “flash photography” to make movies of atoms moving at ultrafast speeds to predict the fundamental limits of electronics in future consumer devices, solar cells, and AI chips. He estimates we are “many orders of magnitude away” from the physical limits of both speed and energy efficiency in our electronics. Today's computers are at least a thousand times slower than they could be, Lindenberg tells host Russ Altman on this episode of Stanford Engineering's The Future of Everything podcast. Have a question for Russ? Send it our way in writing or via voice memo, and it might be featured on an upcoming episode. Please introduce yourself, let us know where you're listening from, and share your question. You can send questions to thefutureofeverything@stanford.edu. Episode Reference Links: Stanford Profile: Aaron Lindenberg Connect With Us: Episode Transcripts >>> The Future of Everything Website Connect with Russ >>> Threads / Bluesky / Mastodon Connect with School of Engineering >>> Twitter/X / Instagram / LinkedIn / Facebook Chapters: (00:00:00) Introduction Russ Altman introduces guest Aaron Lindenberg, a professor of Material Science & Photon Science at Stanford University. (00:03:26) Path into Materials Science How a biology problem inspired Lindenberg's interest in atomic-scale dynamics. (00:05:34) What Materials Scientists Study Understanding how atoms, electrons, and ions create useful material properties. (00:06:44) Seeing Atoms in Motion How X-ray scattering and diffraction reveal atomic structure and dynamics. (00:08:59) Femtosecond Timescales Why ultra-fast measurements are needed to capture atomic motion. (00:10:25) Making Atomic Movies How researchers use snapshots to study materials as they change. (00:13:08) Speed Limits in Materials What determines how fast a material can switch between states. (00:15:32) Faster and More Efficient Devices Why electronics still have room to improve in speed and energy use. (00:17:43) The Energy Cost of Switching How fundamental energy limits shape future computing devices. (00:19:10) Speed, Energy, and Reliability The trade-offs that govern how materials perform in real devices. (00:21:29) Solar Cells at the Atomic Scale How materials convert light into electricity inside a solar cell. (00:23:40) Capturing Energy Before It Becomes Heat Why ultra-fast dynamics matter for improving solar cell efficiency. (00:26:13) Randomness in Materials How stochastic atomic motion affects material performance. (00:28:20) Measuring Dynamic Complexity Why nanoscale materials do not behave the same way every time. (00:30:26) AI for Materials Research How AI helps in Lindenberg's research (00:32:56) Future In a Minute Rapid-fire Q&A: science, collaboration, and future materials. (00:36:13) Conclusion Connect With Us:Episode Transcripts >>> The Future of Everything WebsiteConnect with Russ >>> Threads / Bluesky / MastodonConnect with School of Engineering >>>Twitter/X / Instagram / LinkedIn / Facebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Czabe flies solo today, and talks about the following...1 - Vegas Defies All Odds and Logic and Blasts into the Stanley Cup Final2 - Hockey Players Have Insane Touch on Deflections3 - OKC Gets Leg Up On Spurs in Another Flop-Filled Game4 - The NBA Will Eventually Have to Act5 - Josh Jacobs Story May Be Over Already6 - Eastern Michigan U. is now a women's golf power?7 - More Mis-Adventures in AI8 - Troy Aikman needs to do a better "job."9 - Listen to the cookie10 - Bah, Bah-BAH lup!Our Sponsors:* Check out Troll Co Clothing and use my code CZABE25 for a great deal: https://www.trollcoclothing.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
In questo podcast recensisco il libro "Fooled by Randomness" di Nassim Taleb.Ti è mai capitato di confondere bravura e fortuna? Questo podcast ti aiuta a separarli con metodo.Partiamo dalle idee chiave di Fooled by Randomness per leggere risultati, successi e fallimenti con più lucidità.Vedrai come la casualità distorce le nostre storie, perché il bias del sopravvissuto inganna chi copia i vincenti, e come ridurre l'ego puntando su processi e probabilità. Con gli spunti di Nassim Taleb, tocchiamo strumenti concreti: protezione del lato negativo, revisioni a bassa frequenza e strategia a bilanciere per limitare i danni e lasciare spazio agli upside. Niente favole: solo numeri, incertezza e scelte più robuste per mercati pieni di cigni neri e rumore.Se cerchi un approccio più onesto e pratico, Fooled by Randomness ti darà un filtro migliore per decisioni e investimenti.
Episode 3374: Monte Carlo simulations and board game design. Today, Monte Carlo simulations and board games.
Martyn's process. Dealing with common trader pitfalls. Defining steps and methods for avoiding over-fitting."Opt My Strategy" the Robustness Testing Application built by Martyn Tinsley. Up to 25% off for Algo Advantage Subscribers!! https://www.algoadvantage.io/toolboxMartyn's paper on his new technique, "Walk Forward Correlation A Diagnostic for Over-Fitting and Structural Edge in Trading Strategy Optimisation": Our courses, community & toolbox: https://algoadvantage.ioContents:00:00 Introduction and Setup02:02 Martyn's Trading Journey12:07 Transition to Algorithmic Trading20:02 Common Pitfalls in Trading30:11 Developing Robust Trading Strategies31:55 Understanding Parameter Optimization and Performance Metrics39:43 The Impact of Economic News on Trading Strategies44:38 Identifying the True Edge of Trading Strategies52:05 Noise Reduction Techniques in Algorithmic Trading01:01:49 Research Phase vs. Optimization in Trading Strategies01:07:33 Reassessing Trading Strategies01:08:00 The Importance of Statistical Significance01:09:00 Understanding Sample Size in Trading01:10:00 Methodology for Backtesting Strategies01:11:59 The Role of Edge in Trading Strategies01:15:03 Randomness vs. Genuine Edge01:17:59 Long-Term Performance and Sample Size01:19:52 Confidence in Trading Results01:22:00 Increasing Sample Size for Better Results01:24:01 Testing Across Multiple Assets01:26:04 Optimizing Across Timeframes01:30:01 Generalizing Strategies Across Markets01:31:57 Diversification in Trading Strategies01:35:05 Final Thoughts on Strategy Optimization
Hey Gabbers!! Join your host Gayson and TheWheel of Randomness and he gabs about Mindhunter and its real-life serial killer cases, the chilling cult horror film Patrick (1978), the infamous 90s shock-rap track “Put It in Your Mouth” by Akinyele and its wild legacy in hip-hop history!!!Grab your cocktail and get ready for a real gabfest! Leave us a voicemail with your comments, questions and episode requests at (636) 400-3732!Show Notes:Mindhunter TrailerPatrick (1978) Trailer 22nd July TrailerAkinyele, Kia Jeffries - Put It In Your Mouth [1996]All Things Gayson:Gayson's Most WTF Songs on the Radio Spotify PlaylistTHE GABBING WITH GAYSON PRIDE PLAYLIST!!Gayson's Amazon WishlistKeeping the Yuletide Gay with Gayson PodcastGabbing with Gayson's Website Gab with Gayson on Facebook!
Murph & Andy recap a packed weekend with one of the wildest finishes you'll ever see at the Kentucky Derby.
Murph & Andy kick off the week with a packed Monday episode.
In episode 569 of 'Coffee with Butterscotch,' the brothers dig into how Steam tags actually drive discoverability for indie games, and what tools like GameDiscover.co reveal about whether the right players are finding your game. The conversation turns on a deceptively simple question: not what your game is, but who it's actually for.Support How Many Dudes!Official Website: https://www.bscotch.net/games/how-many-dudesTrailer Teaser: https://www.youtube.com/watch?v=IgQM1SceEpISteam Wishlist: https://store.steampowered.com/app/3934270/How_Many_Dudes00:00 Cold Open00:36 Introduction and Welcome01:58 Understanding Steam Tags and Discoverability04:55 The Importance of Accurate Tagging07:58 Identifying Target Audiences10:43 Navigating Game Genres and Expectations13:54 The Challenge of Marketing Complex Games16:59 Using Data to Inform Tagging Strategies23:45 Defining Game Genres and Tags25:58 Balancing Primary and Secondary Game Features29:19 The Complexity of Game Genres31:33 The Evolution of Game Genres and Language34:12 Platform-Specific Audience Differences38:09 Refining Game Tags for Better Audience Reach45:46 The Challenge of Game Development and Audience Understanding50:57 Adjusting Game Pricing and Expectations57:33 The Role of Randomness in SuccessTo stay up to date with all of our buttery goodness subscribe to the podcast on Apple podcasts (apple.co/1LxNEnk) or wherever you get your audio goodness. If you want to get more involved in the Butterscotch community, hop into our DISCORD server at discord.gg/bscotch and say hello! Submit questions at https://www.bscotch.net/podcast, disclose all of your secrets to podcast@bscotch.net, and send letters, gifts, and tasty treats to https://bit.ly/bscotchmailbox. We also built Ludokit, a tool for managing store pages, promo art, localization, achievements, credits, fonts, change logs, and more. Check it out at https://ludokit.com!Finally, if you'd like to support the show and buy some coffee FOR Butterscotch, head over to https://moneygrab.bscotch.net. ★ Support this podcast ★
Wie ticken Peter Thiel, Elon Musk & Co? Der Journalist Jannis Brühl erklärt die Ideologie der Tech-Oligarchen, warum man Start-up-Denke nicht auf die Demokratie übertragen kann und wie wir uns in Europa digital wehren können.
We would love to hear from you!!! This might have been our shortest podcast ever! We started to cover tiny updates in life from botox to 75 day hard to just invest in ourselves and get a boost in life.. and then weather hit and we had to cut it short. LIFE, RIGHT? Here's your reminder: sometimes, tiny adjustments — a new habit or a small investment in yourself — can massively boost your confidence and clarity.And honestly, it's also about the spirit of compromise—finding gratitude in the little wins and making space for growth, even if it's just adding a new self-care ritual or saying yes to that appointment you've been delaying.What's one small step you're taking today for a better version of yourself?This weather is yet another reminder that we are not in control! We hope you have a great weekend and week ahead! Angie & Aric#SelfCareWins #SmallChangesBigImpact #MindsetMatters #tornadowarningSupport the show
In this episode of Timeless Wisdom, Dennis Prager explores the concept of randomness in life with Dr. Leonard Mladenow, a professor at Caltech. They delve into the idea that even with a 50% chance, there's no guarantee of success, and that randomness plays a significant role in our lives. They discuss the law of large numbers, the difference between probability and certainty, and how our understanding of randomness can be influenced by our knowledge and context. This conversation challenges listeners to think critically about the role of chance in shaping our experiences and outcomes.See omnystudio.com/listener for privacy information.
Send us your thoughts on the EpisodeHosted By: Pepper Stewart Guest: Horseman and horse advocate Colton Woods, Horsewoman and Nurse Navigator Stacy Webb. "Episode brought to you by Cactus Ropes & Master Hatters Of Texas"Music by: Whiskey KateTalked about: The new Horse/Vet issues that needs to be heard!! The Angus program Talon Youth Education Learning Program, Historic Six RS Ranch in Texas, PBR Finals & PWR Finals coming soon to Cowtown. Run for a Million ads BREAKAWAY ROPING Showcase! Randomness with Trick Horse sets new World Record, Old bottle of high dollar wine, Black Bear Cub with police, and more!Movie Scream 7 is out now on digital!! Shown Trailers for: None this episodeMentioned: A few things going on around Texas, New Streaming shows to checkout, and more.Give us your thought on the episode, and be sure to follow Pepper Stewart on Facebook, TikTok, X & Instagram.
Dr. Michael Orkin is a statistics professor at Berkeley City College and a consultant known for his work on probability and gambling games. He is the author of several books, including The Story of Chance - What's Luck Got To Do With It?.Mentioned on the ShowRead The Story of Chance: Beyond the Margin of Error, by Michael Orkin: https://a.co/d/0gFTe7ohConnect with Dr. Mike Orkin on LinkedIn: https://www.linkedin.com/in/dr –mike –orkin –5600584O'Brien and Michael Orkin discuss several books including: Fooled by Randomness by Nassim Nicholas Taleb; The Black Swan by Nassim Nicholas Taleb; Beat the Dealer by Edward Thorp; Number Go Up by Zeke Faux; The Psychology of Money by Morgan Housel; The Talent WarTimestamps(00:00:00) – Michael Orkin, PhD joins O'Brien McMahon on People Business (00:01:55) – Why are we so uncomfortable with randomness?(00:02:38) – Where do we benefit from embracing randomness, and where should we fight for order?(00:12:54) – Why are we so bad at gauging probability?(00:15:30) – Should we stop talking in probabilities for complex things?(00:21:44) – How do we know if we are skilled or it's just chance (or luck)?(00:22:36) – Does luck play a role in success?(00:35:12) – Understanding the normal distribution curve(00:37:22) – How can companies think about elevating the talent that they have?(00:42:17) – What are the best ways to get feedback from our workforce or team?(00:44:18) – What would be the best way to get insightful information from large groups?(00:46:23) – The Lollapalooza story(00:49:24) – Where to find the book The Story of Chance: Beyond the Margin of Error, by Michael Orkin
Hiiii Gabbers!! Join your host Gayson and The Return of The Wheel of Randomness as he gabs about being slightly inconvenienced, a new WTF song, voicemails, a special Guestie Bestie joins to discuss the MOTU Trailer and so much more!!! Grab your cocktail and get ready for a real gabfest! Leave us a voicemail with your comments, questions and episode requests at (636) 400-3732!Show Notes:The Firm - Star Trekkin'Gayson's Most WTF Songs on the Radio Spotify PlaylistMasters of The Universe – Official Teaser TrailerGayson's Evil-Lyn StatueAll Things Gayson:Gayson's Amazon WishlistTHE GABBING WITH GAYSON PRIDE PLAYLIST!!Mix and Mingle PodcastKeeping the Yuletide Gay with Gayson PodcastGabbing with Gayson's Website Gab with Gayson on Facebook!
On this weeks adventure, we are bringing you more of our Top 3! This time we are hitting you with our most random tips and tricks for beating-the-heat in Walt Disney World. Come join us for some shade, cool water, and Monika trying her best to connect with the younger generation! If you want help booking your next Magical Vacation, reach out to me for a free quote! Free Quote Instagram: @justanothermagic_monday Facebook: Fantastical Vacations by Monika
Curiosity can open doors—but what happens when you actually act on it? In this episode of the Starter Girlz Podcast, Jennifer Loehding sits down with Rashad Woods, host of The Randomness of Nothing Podcast, to explore how curiosity shaped his path—and ultimately helped him build a podcast with over 100,000 downloads. But this conversation goes deeper than numbers. Rashad shares what he's learned about staying authentic in a crowded space, the discipline it takes to stay consistent, and why success isn't about trying to be like everyone else—but about fully owning who you are. From behind-the-scenes realities to mindset shifts around growth, this episode offers a real look at what it takes to build something meaningful—and why curiosity might just be the starting point for everything. This episode is about taking action, trusting your voice, and understanding that success isn't about copying others—it's about owning your lane. Chapters 00:00 - Why Consistency Matters More Than Talent01:00 - Podcast Introduction and Guest Overview03:18 - Meet Rashad Woods04:18 - Early Growth and Podcast Momentum05:36 - How the Podcast Was Created08:01 - Creating Space for Honest Conversations09:01 - Building the Podcast and Early Downloads10:13 - What Makes a Podcast Grow Organically12:18 - From Curiosity to Opportunity13:01 - From Hobby to Bigger Vision14:26 - Turning a Passion Into a Business15:10 - What a Day in Podcasting Really Looks Like16:32 - The Reality of Consistency and Commitment16:57 - What He Delegates vs. Handles Himself18:13 - Starting Without a Big Budget19:32 - Adapting and Making It Work20:27 - Not Following Traditional Rules21:14 - Why Most People Don't Start22:03 - Why Podcasts Fail to Continue22:36 - Ownership, Discipline, and Accountability23:25 - Building Something With High Standards24:18 - Commitment in Any Area of Life25:41 - Redefining Success on Your Terms26:53 - Staying in Your Own Lane28:17 - Why You Are the Differentiator30:11 - Selling the Experience, Not the Product31:28 - The Best Part of Podcasting32:29 - Memorable Guests and Conversations34:22 - Dream Guests and Future Opportunities35:39 - Breaking Excuses and Taking Action36:12 - The Bigger Vision for the Podcast37:18 - Curiosity at Every Level of Success37:52 - Where to Find Rashad38:22 - Final Advice: Just Start39:04 - Final Thoughts and Closing Connect with Rashad Woods https://tronpodcast.comListen on Spotify, Apple Podcasts, and all major platforms Connect with Starter Girlz https://startergirlz.com Want to Be a Guest on Starter Girlz Podcast? If you have a story that can inspire others, connect with Jennifer Loehding on PodMatch:https://www.podmatch.com/hostdetailpreview/17044863446695017c1879d7b
It starts off with a comic book no one remembers purchasing then continues on to character design and toys selling animation. DOWNLOAD Rain By Joe Hill, David M. Booher, Zoe Thorogood And Chris O’Halloran. Rain By Joe Hill, David M. … Continue reading →
We live in a world that wants life to be fair. Work hard, make good choices, believe the right things—and things should turn out okay. But what happens when they don’t? In this live conversation, Kate talks with sociologist Mark Rank, author of The Random Factor, about the role of chance in our lives. From the lottery of birth to the timing of a missed phone call, Mark’s research shows how much of what we call success—or failure—comes down to forces we never chose. SHOW NOTES: Mark Rank, The Random Factor: How Chance and Luck Profoundly Shape Our Lives and the World Around Us Mark Rank – Washington University in St. Louis Christian Tomasetti et al., research on random mutations and cancer risk (Johns Hopkins) Every Cure (founded by David Fajgenbaum) Tour dates & tickets: katebowler.com/joyfulanyway Watch the live conversation on YouTube Join Kate Bowler on Substack for the season of Lent: katebowler.substack.com See omnystudio.com/listener for privacy information.
This time... On City On A Hill Gaming...Today, more random character creation! Thanks to Emma, especially! And also Flurchaunt. Emma - https://www.instagram.com/iamnotprepaired/https://www.instagram.com/1geek411/https://bsky.app/profile/iamnotprepaired.bsky.socialFlurchaunt - cityonahillgaming.comBig thanks to our supporters! Andrew, Christina, Bryan, Doug, JoAnne, and Tony!https://www.patreon.com/cityonahillgamingCheck us out on Blue Sky https://bsky.app/profile/cityonahillgaming.bsky.social or email us at cityonahillgaming@gmail.comUs on teh Discords - https://discord.gg/N2Qj8fk5wELeave us a rating/review on iTunes or whatever awesome podcast app you use. And tell us where you listen to the fun!
In this first part of our latest conversation with Kehlan Morgan of @Formscapes we trace the aether from ancient cosmology to its quiet removal from modern physics. More than a discarded medium for light, the aether once served as the bridge between mind and matter, form and force, perception and law. Its rejection marked a profound philosophical shift from material mediation to abstract formalism and reshaped how reality itself is defined. If the aether refuses to die, it may be because the questions it once posed are as relevant to the modern world of quantum physics as the ancient world of gods and magic.Part 2: https://youtu.be/q7I94A_vvtYPATREON https://www.patreon.com/c/demystifysciPARADOX LOST PRE-SALE: https://buy.stripe.com/7sY7sKdoN5d29eUdYddEs0bHOMEBREW MUSIC - Check out our new album!Hard Copies (Vinyl): FREE SHIPPING https://demystifysci-shop.fourthwall.com/products/vinyl-lp-secretary-of-nature-everything-is-so-good-hereStreaming:https://secretaryofnature.bandcamp.com/album/everything-is-so-good-herePARADIGM DRIFThttps://demystifysci.com/paradigm-drift-show00:00 Go! Why the Aether Still Matters00:05:56 From Myth to Mechanical Substrate00:09:41 Descartes, Newton, and Early Limits00:12:57 The Philosophical Rejection of Aether00:15:28 Mind, Matter, and the Lost Bridge00:19:10 Consciousness and the Blind Spot of Modern Physics00:22:44 Physics vs Biology as First Principles00:26:36 Laws, Forms, and Perception00:31:08 Structure, Elements, and Mediation00:35:13 Geometry and the Inverse Square Law00:41:08 Material Causes vs Abstract Formalism00:47:26 Reuniting the Physical and Experiential00:51:34 Aether as Interface of Mind and Matter00:57:10 Agency and the Emergence of Life01:00:10 Interiority Across Scales01:06:10 Physics Trapped by Its Own Framework01:12:31 Randomness, Intention, and a Unifying Hypothesis #Aether, #Physics, #philosophy #Consciousness, #NatureOfReality, #quantumphysics , #TheoreticalPhysics, #PhilosophyPodcast, #panpsychism , #physicspodcast, #philosophypodcast MERCH: Rock some DemystifySci gear : https://demystifysci-shop.fourthwall.com/AMAZON: Do your shopping through this link: https://amzn.to/3YyoT98DONATE: https://bit.ly/3wkPqaDSUBSTACK: https://substack.com/@UCqV4_7i9h1_V7hY48eZZSLw@demystifysci RSS: https://anchor.fm/s/2be66934/podcast/rssMAILING LIST: https://bit.ly/3v3kz2S SOCIAL: - Discord: https://discord.gg/MJzKT8CQub- Facebook: https://www.facebook.com/groups/DemystifySci- Instagram: https://www.instagram.com/DemystifySci/- Twitter: https://twitter.com/DemystifySciMUSIC: -Shilo Delay: https://g.co/kgs/oty671
Talking about the home league draft, driving across Victoria, rucks, forwards, and answering questions. A lot of jibber jabber, tbh. I'm tired.
The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.
Joey & I are back to talk the signing of former Phillie Nick Castellanos to the Padres. We also get into early predictions for this upcoming MLB season. & Penn State is a wrestling school?? X: BrutallyHones Tiktok:BrutuallyHonestSportsPodcast_
This time... On City On A Hill Gaming...Today, we make random things! With random friends! For a future, random adventure! Let the even more nonsensical-than-normal nonsense ensue! Big thanks to Jenny, for helping out with the nonsense!Jenny - https://www.instagram.com/limewielder/https://bsky.app/profile/limewielder.bsky.socialDaniel - https://bsky.app/profile/did:plc:ptvagkzbj7nyj5engeqayeq4https://www.tiktok.com/@fullmetalhoytCameron - https://www.twitch.tv/1geek411https://www.twitch.tv/cameronplusdeannaKeela - https://www.instagram.com/kdsubcreations/https://keeladeesubcreations.substack.com/Big thanks to our supporters! Andrew, Christina, Bryan, Doug, JoAnne, and Tony!https://www.patreon.com/cityonahillgamingCheck us out on Blue Sky https://bsky.app/profile/cityonahillgaming.bsky.social or email us at cityonahillgaming@gmail.comUs on teh Discords - https://discord.gg/N2Qj8fk5wELeave us a rating/review on iTunes or whatever awesome podcast app you use. And tell us where you listen to the fun!
Join the email list to get a FREE private finger training clinic with Dr. Tyler Nelson (normally $10) www.thestruggleclimbingshow.com/strong Support the Show on Patreon Get access to all Pro Clinics, bonus episodes, and more. https://www.patreon.com/thestruggleclimbingshow Coach Nate Drolet is back for another thoughtful conversation, including: Reflecting on his recent Hueco Tanks trip Climbing while injured Collecting rejections like Stephen King Are gym boulders too tall? The problem with "easy" classics Advice to his younger self Falling 101 Is Coca-Cola Coffee aid? - BIG THANKS TO THE AMAZING SPONSORS OF THE STRUGGLE WHO LOVE ROCK CLIMBING AS MUCH AS YOU DO: SCARPA: The best climbing shoes, trail runners, and hikers in the game! Score yourself a free SCARPA x STRUGGLE hat when you use code STRUGGLE at checkout at SCARPA.com. SCARPA, No Place Too Far. Kilter: Award winning, adjustable, light-up board. It's what I'm training on at home, and if you're psyched to join me then use code STRUGGLE at checkout when you build your board, and you'll score up to $1000 off plus a free gift pack let's goooo! And check out ALL the show's awesome sponsors and exclusive deals at thestruggleclimbingshow.com/deals - Here are some AI generated show notes (hopefully the robots got it right) 00:00 Weekend Warrior Life: Busy Schedules & Climbing Ambitions 03:07 Coach Nate Returns: Fresh Off Waco Tanks (and a 16-hour Drive) 05:16 Why Waco Matters: History, Style, and Coming Back After 7 Years 08:02 The Mystery Hand Injury: Rehab, PT Visits, and Still Sending 10:29 Low Dryer Send Story: Deconditioned, Tactical, and ‘Sport Climb' a Boulder 14:05 Mindset Lesson: ‘Collecting Rejections' Between Try Day and Send Day 20:06 Bouldering Trip Strategy: Limited ‘Great Goes,' Rest, and Managing Stoke 25:58 Sponsor Break: Scarpa Veloce L + Kilter Board Training Setup 29:06 Ryan's Vegas Injury & The Big Question: Am I Too Old for Outdoor Bouldering? 33:05 Gyms Are Too Tall: Risk, Training Value, and Smarter Bouldering as We Age 37:04 Indoor vs Outdoor Bouldering: Skills, Safety, and Choosing Lowballs 43:02 Injuries Happen: Low Back Pain, Randomness, and Playing Devil's Advocate 43:59 Rope Climber's Dilemma: Are Outdoor Bouldering Falls Worth It at 46? 45:19 Movement vs Highballs: “British vs French” Boulders & Why Classics Get Tall 47:58 Finding Low-Risk Outdoor Classics: Traverses, Short Gems, and Star Ratings 50:46 Bulldog/Puppy Dog Strategy: Pads, Topouts, and Managing the Mental Crux 54:04 Topout Skills Bootcamp: Mantles, Slabs, and Safe Practice in Chattanooga 56:20 How to Fall Better: Rolling, Tumbling Drills, and Building Confidence تدريجيًا 01:07:55 Keeping Sport Fitness During a Boulder Phase: ARC, 4x4s, and Seasonal Planning 01:16:56 Wrap-Up & Plugs: Coaching, “Affordable Atrocities,” and Supporting the Channel - Shoutout to Aiden Schlatter for supporting at the Hero level on Patreon. A hero indeed! - Follow along on Instagram and YouTube: @thestruggleclimbingshow - This show is produced and hosted by Ryan Devlin, and edited by Glen Walker. The Struggle is carbon-neutral in partnership with The Honnold Foundation and is a proud member of the Plug Tone Audio Collective, a diverse group of the best, most impactful podcasts in the outdoor industry. And now here are some buzzwords to help the almighty algorithm get this show in front of people who love to climb: rock climbing, rock climber, climbing, climber, bouldering, sport climbing, gym climbing, how to rock climb, donuts are amazing. Okay, whew, that's done. But hey, if you're a human that's actually reading this, and if you love this show (and love to climb) would you think about sharing this episode with a climber friend of yours? And shout it out on your socials? I'll send you a sticker for doing it. Just shoot me a message on IG – thanks so much!
Hello everyone and welcome back! On this week's episode, the Boyz discuss a wide variety of events and happenings, as they talk the new Disney Plus Show "Wonder Man" the results of the Royal Rumble, Harold's foray into celebrity proximity and much more. Also, quick shout out to friend of the Pod Earl Baylon for his role in Wonder Man which we forgot to mention. But just know that when we saw him on the screen, we were like...hey it's Earl!
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The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.
Episode: 2862 Randomness out of Nothingness. Today, let's talk about how to pick random numbers out of thin air.
This time... On City On A Hill Gaming...Today, we make random things! With random friends! For a future, random adventure! Let the even more nonsensical-than-normal nonsense ensue! Big thanks to Brian, Mike, James, Andrea, and Justin for helping out with the nonsense!Geek at Arms - https://geekatarms.com/https://bsky.app/profile/geekatarms.bsky.socialhttps://linktr.ee/geekatarmsAndrea - https://www.instagram.com/andrea.makes.art/Justin - Chivalrybean, all the places, like our discord!https://guardfrequency.com/Big thanks to our supporters! Andrew, Christina, Bryan, Doug, JoAnne, and Tony!https://www.patreon.com/cityonahillgamingCheck us out on Blue Sky https://bsky.app/profile/cityonahillgaming.bsky.social or email us at cityonahillgaming@gmail.comUs on teh Discords - https://discord.gg/N2Qj8fk5wELeave us a rating/review on iTunes or whatever awesome podcast app you use. And tell us where you listen to the fun!
Jason and folks from the D&R cast chat about Episodes 33-35 of Frostbourne and more! // CATCH UP ON FROSTBOURNE: • Find the Frostbourne Recap: Ep. 1-20 in our feed, right there between Episodes 20 and 21. It takes over forty hours of Dungeons & Randomness adventures and chaos and boils it down to just one. Perfect to catch up and share with friends, family, enemies—whoever! // FIND US: • Support the show on Patreon: https://patreon.com/dandr • Explore the world of Theria: https://dandrpodcast.com • Join our Discord community: https://discord.gg/DandR • Grab official D&R merch: https://dandrpodcast.dashery.com // PARTNERS & PLUGS: • Play the Level Up A5E ruleset: https://www.levelup5e.com (use code DANDR for a 5% discount) Learn more about your ad choices. Visit podcastchoices.com/adchoices
On this episode of Buzzing about Romance, Lindsey, Leah, Jenni, and Becky engage in pure chaos—in the best way.
'Binging Shows' and 'Batman' and 'Jimmy Fallon' oh my......It's no secret, that before you record anything, you need to warm up. So that's exactly what the guys do! But we figured...why are we wasting those precious moments? Why aren't we sharing them with all of you? So here it is...man, we are dumb!!!Click here to send us a message! If you would please go follow us on all the socials? We would love you all forever...in a friend way...don't be weird!!!Please go rate and review us anywhere you get your podcastsPatreon: https://www.patreon.com/CultureShockedPodcastTwitter/X: https://www.twitter.com/cspodcast21TikTok: https://www.tiktok.com/@cspodcast21?lang=enFacebook: https://www.facebook.com/cultureshockedpodInstagram: https://www.instagram.com/cultureshocked21YouTube: https://www.youtube.com/cultureshocked21Website: https://cultureshocked.buzzsprout.com/
“If in 10 years, all American troops stationed in Europe for national defense purposes have not been returned to the United States, then this whole project [NATO] will have failed.” -General of the Army Dwight Eisenhower, February, 1951 The Greenland debacle is bringing the NATO relationship into better focus on just how bad the EU/SSR has become. America should take a non-interventionist pause and get its internal house in order before standing astride the world again and lighting fires that never go away and continuously make things worse. The US a deep history in Greenland: 1867: Andrew Johnson: explored buying Greenland & Iceland (right after Alaska). WWII: FDR: U.S. took over Greenland's defense while Denmark was occupied. 1946: Truman: offered $100M in gold to buy it. Cold War: Eisenhower → Kennedy: nonstop negotiations for bases, radar, missiles. Post–Cold War: Clinton/Bush/Obama: expanded Arctic security & missile defense. 2019: Trump said publicly what presidents discussed privately for 150+ years. The U.S. didn't “suddenly” want Greenland. It's been defending it, negotiating it, and embedding there since the 1800s. Greenland = Arctic power, shipping lanes, missiles, minerals, and bases. Trump didn't invent it. He said the quiet part out loud. There is a realpolitik logic to the concerns. Stop the madness. First part here: Ep 009 “Fixing Fight Club: Just Say No to NATO: Part One” Second part here: Ep 016 “Fixing Fight Club: Just Say No to NATO: Part Two” References: Defense of Greenland: Agreement Between the United States and the Kingdom of Denmark, April 27, 1951 Winning The Salvo Competition: Rebalancing America's Air And Missile Defenses The Russian Reconnaissance Fire Complex Comes of Age Nyet Means Nyet (William Burns 2008) Pat Buchanan Where Does NATO Enlargement End? DoS Cable: NATO ENLARGEMENT: RUSSIAN ASSERTIONS REGARDING THE TWO-PLUS-FOUR AGREEMENT ON GERMAN UNIFICATION Books: Edward Bernays Propaganda Sevim Dagdelen NATO: A Reckoning with the Atlantic Alliance Matt Kennard The Racket: A Rogue Reporter vs The American Empire Daniel Ellsberg The Doomsday Machine: Confessions of a Nuclear War Planner Scott Horton Provoked: How Washington Started the New Cold War with Russia and the Catastrophe in Ukraine Nassim Taleb Incerto: Fooled by Randomness, The Black Swan, The Bed of Procrustes, Antifragile, Skin in the Game Mark Gunzinger & Bryan Clark Winning the Salvo Competition: Rebalancing America's Air and Missile Defense Christian Brose The Kill Chain: Defending America in the Future of High-Tech Warfare Email at cgpodcast@pm.me
The Greenland debacle is bringing the NATO relationship into better focus on just how bad the EU/SSR has become. America should take a non-interventionist pause and get its internal house in order before standing astride the world again and lighting fires that never go away and continuously make things worse. Stop the madness. Recent episodes on NATO. First part here: Ep 009 “Fixing Fight Club: Just Say No to NATO: Part One” Second part here: Ep 016 “Fixing Fight Club: Just Say No to NATO: Part Two” References: Defense of Greenland: Agreement Between the United States and the Kingdom of Denmark, April 27, 1951 Winning The Salvo Competition: Rebalancing America's Air And Missile Defenses The Russian Reconnaissance Fire Complex Comes of Age Nyet Means Nyet (William Burns 2008) Pat Buchanan Where Does NATO Enlargement End? DoS Cable: NATO ENLARGEMENT: RUSSIAN ASSERTIONS REGARDING THE TWO-PLUS-FOUR AGREEMENT ON GERMAN UNIFICATION Books: Edward Bernays Propaganda Sevim Dagdelen NATO: A Reckoning with the Atlantic Alliance Matt Kennard The Racket: A Rogue Reporter vs The American Empire Daniel Ellsberg The Doomsday Machine: Confessions of a Nuclear War Planner Scott Horton Provoked: How Washington Started the New Cold War with Russia and the Catastrophe in Ukraine Nassim Taleb Incerto: Fooled by Randomness, The Black Swan, The Bed of Procrustes, Antifragile, Skin in the Game Mark Gunzinger & Bryan Clark Winning the Salvo Competition: Rebalancing America's Air and Missile Defense Christian Brose The Kill Chain: Defending America in the Future of High-Tech Warfare My Substack Email at cgpodcast@pm.me
Welcome to the 2025 BRUNCHIES! Our 7th Annual Celebration of the best (and worst) in Music, Sports, Pop-Culture, Food, Drinks, and Randomness of the year that was 2025! So, put on your Finest Attire, and we'll see Yinz at the Table! Thank You For Listening! Check out the SOUNDS OF BRUNCH Playlist on Spotify! WATCH Full Episodes of the @BrunchBreakdown Podcast on YouTube, Spotify, & Facebook. LISTEN on AMAZON, Audible, Spotify, Apple, and Everywhere You Get Your Podcasts. FOLLOW us on Twitter, Instagram, TikTok, and GoodPods!
Randomness surrounds us. I don't know anybody whose life or career has been a straight line of achievement. It's more of a zig-zag, ranging from colossal failures to extraordinary accomplishments. On any given day, something “might” happen. It may be good or bad. But this much is true: our lives will be what […] The post Leading With Purpose And Intention Today appeared first on GROW GREAT.
Get My NEW Book: Focus Like a Nobel Prize Winner: https://www.amazon.com/dp/B0FN8DH6SX Andrew Jaffe Book: The Random Universe: https://www.amazon.com/Random-Universe-Models-Probability-Cosmos/dp/0300250509 Is the universe intrinsically random? In this conversation, we dive deep into why the universe may be fundamentally, intrinsically random. Whether inflation on life support, the truth behind the Hubble tension, and whether cosmology is approaching the event horizon, limits beyond which humans can never know. Today we're joined by one of the architects of modern cosmological inference, Professor Andrew Jaffee, author of a new book called The Random Universe that argues that every observation in science is shaped by the models we bring to it, biases and all. KEY TAKEAWAYS 00:00–01:13 — Science and life rely on building models. 01:13–03:35 — Models of people and reality are often wrong and revised. 04:04–06:01 — Observation depends on prior theories. 06:01–07:32 — Models can't be escaped, only improved. 07:32–08:57 — No single scientific method exists. 08:57–11:25 — Science uses induction, not pure proof. 11:25–13:22 — Induction isn't certain, only probabilistic. 13:22–15:36 — Induction works because nature is regular. 17:44–19:08 — Big Bang emerges from well-tested models. 19:08–21:15 — Current cosmology is stressed, not broken. 29:19–30:36 — Probability gives meaning to models. 39:45–41:11 — Randomness often reflects limited knowledge. 43:46–45:00 — Quantum physics is fundamentally probabilistic. 49:09–50:04 — Inflation awaits decisive observational tests. - Additional resources: Get My NEW Book: Focus Like a Nobel Prize Winner: https://www.amazon.com/dp/B0FN8DH6SX?ref_=pe_93986420_775043100 Please join my mailing list here
Jason, Bri, and folks from the D&R cast chat about Episodes 29-32 of Frostbourne and more! // CATCH UP ON FROSTBOURNE: • Find the Frostbourne Recap: Ep. 1-20 in our feed, right there between Episodes 20 and 21. It takes over forty hours of Dungeons & Randomness adventures and chaos and boils it down to just one. Perfect to catch up and share with friends, family, enemies—whoever! // FIND US: • Support the show on Patreon: https://patreon.com/dandr • Explore the world of Theria: https://dandrpodcast.com • Join our Discord community: https://discord.gg/DandR • Grab official D&R merch: https://dandrpodcast.dashery.com // PARTNERS & PLUGS: • Play the Level Up A5E ruleset: https://www.levelup5e.com (use code DANDR for a 5% discount) Learn more about your ad choices. Visit podcastchoices.com/adchoices
Welcome, my dark souls! In this haunting chapter of Unholy December, we uncover the chilling possession outbreaks that swept through convents in France, Spain, and Italy during the 17th century. From violent public exorcisms to quiet nocturnal terrors, these cases reveal how fear, faith, and control shaped the lives of cloistered women across Europe. Drawing from diaries, trial records, and centuries of historical analysis, this episode exposes the obscure boundary between mysticism, trauma, and the supernatural. A deep, unsettling journey into the archives where some of history's darkest whispers have been waiting. *Listener Discretion is Advised*****************Sources & References:Aldous Huxley, The Devils of Loudun (1952).Michel de Certeau, The Possession at Loudun (1970).Nancy Caciola, Discerning Spirits: Divine and Demonic Possession in the Middle Ages (2003).Edward Peters, The Magician, the Witch, and the Law (1978).John D. Lyons, The Phantom of Chance: From Fortune to Randomness in Seventeenth-Century French Literature (2019).Moshe Sluhovsky, Believe Not Every Spirit: Possession, Mysticism, and Discernment in Early Modern Catholicism (2007).Marina Warner, Alone of All Her Sex: The Myth and the Cult of the Virgin Mary (1976).Moshe Sluhovsky, “The Devil in the Convent,” American Historical Review 107, no. 5 (2002).Francine Masiello (ed. and trans.), The Diary of Santa Veronica Giuliani (selections).Michel Carmona, Urbain Grandier (2000).H. C. Lea, Materials Toward a History of Witchcraft (1939).Brian P. Levack, The Devil Within: Possession and Exorcism in the Christian West (2013).Stuart Clark, Thinking with Demons: The Idea of Witchcraft in Early Modern Europe (1997).Jodi Bilinkoff, Related Lives: Confessors and Their Female Penitents, 1450–1750 (2005).Various 17th-century exorcism transcripts and ecclesiastical reports referenced in secondary scholarship above.****************Leave Us a 5* Rating, it really helps the show!Apple Podcast:https://podcasts.apple.com/us/podcast/beauty-unlocked-the-podcast/id1522636282Spotify Podcast:https://open.spotify.com/show/37MLxC8eRob1D0ZcgcCorA****************Follow Us on Social Media & Subscribe to our YouTube Channel!YouTube:@beautyunlockedspodcasthourTikTok:tiktok.com/@beautyunlockedthepod****************Music & SFX Attribution:Epidemic SoundFind the perfect track on Epidemic Sound for your content and take it to the next level! See what the hype is all about!
The US Air Force is at a turning point in 21st century warfare and in danger of whistling past the graveyard if they fail to take notice and action on the emerging Revolutions in Military Affairs (RMA). The era of manned combat aircraft is coming to a close. The era of manned bombers with gravity bombs is over. The era of fixed site nuclear missiles is in great peril. The era of hyper-velocity missiles whether high parabola of IRBM/ICBM or Fractional Orbital Bombardment System (FOBS) glide vehicles. If the pilot mafia doesn't do something about what is coming, the result will be cataclysmic. The Pentagon will not do the right thing, regretfully. References: A Concise History of the U.S. Air Force Jeffrey J. Smith Tomorrow's Air Force: Tracing the Past, Shaping the Future Seth J. Frantzman Drone Wars: Pioneers, Killing Machines, Artificial Intelligence, and the Battle for the Future Paul Scharre Army of None: Autonomous Weapons and the Future of War David Hambling Swarm Troopers: How Small Drones Will Conquer the World Garrett Graff Raven Rock: The Story of the U.S. Government's Secret Plan to Save Itself--While the Rest of Us Die Paul Ozorak Underground Structures of the Cold War: The World Below Daniel Ellsberg The Doomsday Machine: Confessions of a Nuclear War Planner Nassim Taleb Incerto: Fooled by Randomness, The Black Swan, The Bed of Procrustes, Antifragile, Skin in the Game Mark Gunzinger & Bryan Clark Winning the Salvo Competition: Rebalancing America's Air and Missile Defense Christian Brose The Kill Chain: Defending America in the Future of High-Tech Warfare Email at cgpodcast@pm.me
In the future near-peer and peer fight, salvo competition will be the preeminent means by which one country will kinetically overwhelm the other in a fight. I discuss the way the West is in an existential hazard of being woefully under-prepared to meet the threat if Western forces go toe to toe with regional hegemons in the East or West. The US is NOT prepared for the war of leakers in which the inadequate missile defense systems and strategy now deployed will be overwhelmed if it enters a war of choice with China or Russia. It isn't simply the peer competitors but the smaller players like North Korea and Yemen are demonstrating that the US and its allies can't cash the checks they boast about. Once again, the US should stand down, reassess, re-calibrate and stop thinking defense is a four letter word. References: Winning The Salvo Competition: Rebalancing America's Air And Missile Defenses The Russian Reconnaissance Fire Complex Comes of Age Space Based Interceptor Sizing Methodology Bulletin of the Atomic Scientists Books: Garrett Graff Raven Rock: The Story of the U.S. Government's Secret Plan to Save Itself--While the Rest of Us Die Paul Ozorak Underground Structures of the Cold War: The World Below Daniel Ellsberg The Doomsday Machine: Confessions of a Nuclear War Planner Nassim Taleb Incerto: Fooled by Randomness, The Black Swan, The Bed of Procrustes, Antifragile, Skin in the Game Mark Gunzinger & Bryan Clark Winning the Salvo Competition: Rebalancing America's Air and Missile Defense Christian Brose The Kill Chain: Defending America in the Future of High-Tech Warfare My Substack Email at cgpodcast@pm.me
What are the nuances of organizational design and risk-taking? What are the roles of both curiosity and trust in fostering an environment ripe for innovation? How can you create serendipity intentionally, and harness its power for your organization?David Cleevely is a British entrepreneur and international telecoms expert who has built and advised many companies, principally in Cambridge, UK. He is also the author of the new book Serendipity: It Doesn't Happen By Accident. Greg and David discuss the concept of engineered serendipity, which involves designing environments and life trajectories that optimize the occurrence of fortunate coincidences. David explains how places like Cambridge, Silicon Valley, and 18th-century Birmingham fostered innovative ecosystems. They explore how engineered structures can increase the likelihood of beneficial outcomes, the role of key individuals in creating networks, and the importance of interdisciplinary interactions. *unSILOed Podcast is produced by University FM.*Episode Quotes:How can we engineer serendipity?04:23: The thing that we need to do is look at how did those things actually happen? Why did they happen? And is it possible to get some general principles out of this, some insights, so that instead of just relying on chance to do it for us, we can change the odds. And really, serendipity does not act by accident. It is about changing the odds.Randomness in strategy29:09: You need an element of randomness in strategy. So you need to have things that are highly focused, and you need some things that are going to be cross-disciplinary and completely wacky. And you will need different proportions of those.Creating environments for good things to happen02:27: I think we need to do some research, and it's properly cross-disciplinary, 'cause it involves network science, it involves behavioral psychology stuff, all of these things that we need to understand how this stuff actually works. We've been taking this stuff for granted, and actually we need to not just go, oh, that's interesting, and then move on. No, actually we need to investigate this stuff and think, how can we actually create environments in which good things are more likely to happen?Show Links:Recommended Resources:Lunar Society of BirminghamFriedrich HayekStuart KauffmanSanta Fe InstitutePriestley RiotsNapoleonic WarsCambridge WirelessCambridge AngelsACAMSteve JobsDunbar's NumberNicholas ChristakisPride and PrejudiceJohn Maynard SmithGuest Profile:Chemify LimitedWikipedia ProfileLinkedIn ProfileCleevely & PartnersTrinity Hall ProfileCambridge Ahead ProfileGuest Work:ConductingSerendipity.comSerendipity: It Doesn't Happen By Accident Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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After last week's marathon two-hour episode, Kiki and Medinah are keeping it light with some good old-fashioned girl talk. The ladies crack open a can of Drippy, share a few laughs, rant about GoPuff, and let the conversation spiral into pure CockTales chaos. If you love the random, unfiltered energy, this one's for you.
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