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In this episode of Rational Reminder, Ben Felix, Cameron Passmore, and Ben Wilson return with a classic AMA format—answering listener questions that dig deep into the behavioral and evidence-based foundations of sensible investing. From lump-sum investing to the psychology of advice, the trio blend data, humor, and clear thinking to demystify complex financial ideas. They discuss the behavioral logic behind dollar-cost averaging, why mutual funds might actually be more tax-efficient than ETFs in Canada, and whether technology could ever truly replace human financial advisors. Plus, they share their biggest investing mistakes (yes, Bitcoin makes an appearance), dissect the rise of "buffered" ETFs, and explain why chasing complexity usually costs investors more than it helps. Key Points From This Episode: (0:00:05) Introduction – The first episode featuring all three hosts together: Ben Felix, Cameron Passmore, and Ben Wilson. (0:44) OneDigital update: expanding evidence-based advice across Canada with new PWL partners in Halifax. (2:36) The mission in motion – bringing the "markets work and planning matters" philosophy to more Canadians. (5:29) "Finding and funding a good life" – how PWL integrates wellness and happiness into financial planning. (6:16) AMA Question 1: Lump-sum vs. dollar-cost averaging — why lump-sum wins 65% of the time. (10:05) Base rates, behavioral regret, and the real role of an advisor. (12:22) The 2020 PWL paper results and how behavioral hedging fits in. (16:10) If dollar-cost averaging feels safer, maybe your portfolio is too aggressive. (18:08) AMA Question 2: Advice for smaller portfolios — how technology, AI, and fee-only planners can fill the gap. (21:01) Can AI really replace advisors? Cameron's Waymo analogy sparks debate. (23:33) AMA Question 3: Mutual funds vs. ETFs — why in Canada, mutual funds may actually be more tax-efficient. (30:00) The Capital Gains Refund Mechanism (CGRM) explained — and why it matters. (34:31) Dimensional's Canadian funds vs. Vanguard ETFs — tax distribution data that surprises most investors. (37:40) AMA Question 4: Are discount bonds priced for tax efficiency? The evidence says no—discount bonds still win. (42:23) AMA Question 5: Biggest investment mistakes — from Bitcoin regrets to house-buying reflections. (48:15) AMA Question 6: Buffered ETFs — comfort, complexity, and why simple portfolios outperform. (53:45) Simplicity as a superpower — why "markets work" is still the most radical idea in finance. (55:27) AMA Question 7: Updating the RR model portfolio — why there's no "optimal" portfolio and simplicity wins again. (58:31) After show: Reviews, humor, and a reminder about "No Net Worth November." (1:04:15) Life offline — Cameron's reflections on quitting social media and finding clarity. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/ Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)
Joana Marques propõe um novo título para disputar nos concursos de beleza: Miss Apatia.
Joana Marques apresenta-nos Beatriz Nogueira, ex-miss Teen e ex-miss Odivelas. Tiago Paiva, esse, já está apresentado.
Ivelisse Page is the Executive Director and Co-founder of the non profit, Believe Big. She has triumphed over cancer twice—first stage IV colon cancer (in remission since 2008) and later stage IA endometrial cancer in 2022—both without chemotherapy. Facing a genetic predisposition to multiple cancers from an early age, her journey fuels her commitment to help others navigate the challenges of cancer. Since 2011, Believe Big has helped more than a million people bridge conventional and complementary care, and the Radical Remission healing factors were central to her recovery—especially following her intuition, deepening her spiritual life, cultivating positive emotions and purpose, and using evidence-informed natural therapies (including mistletoe therapy). Since 2011, Believe Big has helped more than a million patients move through the overwhelming process of cancer by bridging the gap between conventional and complementary medicine. Believe Big not only helps patients survive but thrive, not just physically, but emotionally and spiritually as well. To learn more about Ivelisse and Believe Big visit www.BelieveBig.org or call 888-317-5850 Find them on Social Media @BelieveBig for Instagram, Facebook, and Youtube Purchase the "Nourishing the Soul Healing Journal"; Believe Big Gratitutude Journal As mentioned in this episode visit Support Now at https://www.supportnow.org for "money, meals, and more for families in tough times." ___________ To learn more about the 10 Radical Remission Healing Factors, connect with a certified RR coach or join a virtual or in-person workshop visit www.radicalremission.com. To watch Episode 1 of the Radical Remission Docuseries for free, visit our YouTube channel here. To purchase the full 10-episode Radical Remission Docuseries visit Hay House Online Learning. To learn more about Radical Remission health coaching with Liz or Karla, Click Here Follow us on Social Media: Facebook Instagram YouTube
A Joana e a Inês chumbam num teste para ter nacionalidade portuguesa e a modelo e atriz Ana Sofia Martins tenta escapar com distinção ao Desculpa, Mas Vais Ter de Perguntar.
Joana Marques traz-nos a segunda parte da entrevista de Piers Morgan a Cristiano Ronaldo, com dois interessantes debates: "quem é mais famoso, Trump ou Cristiano?" e "quem é mais bonito, Ronaldo ou Beckham?".
Os NAPA vêm a estúdio apresentar a nova canção e cantam uma versão de “Deslocado”, escrita pela equipa das Três da Manhã. Joana Marques traz-nos a segunda parte da entrevista de Piers Morgan a Cristiano Ronaldo, no Extremamente Desagradável.
Cristiano Ronaldo recebeu o seu amigalhaço Piers Morgan na sua mansão em Riade, e nós tivemos o privilégio de ouvir a conversa.
Os ouvintes adormecem nos locais mais estranhos, a Ana falta para ser oradora num evento de vegans ibéricos e a Joana e Inês criam o novo jogo "Ainda Bem Que Me Dá Essa Resposta"
Já votaram 35 mil sócios na Luz. Fernando Silva foi o primeiro28fb871d-a8bc-f011-8194-60
Joana Marques apresenta-nos outra faceta de Zorlak, o sonhador.
A Inês falta porque "foi pôr lábios", os ouvintes trazem os objetos dos anos 80/90 que tinham em casa e a Ana e a Joana apresentam a Miss que canta heavy metal
Joana Marques leva-nos até ao planeta Zorlak.
Um menino acha que José Luís Carneiro é um palhaço, a Tia Bli e as Três entram numa batalha de "Com Licenças" e a Joana ofende a Inês, deixando a tarte que ela lhe ofereceu na casa de banho.
In this week's episode, Blood editor Dr. Laura Michaelis interviews author Dr. Taylor Brooks on his latest paper published in volume 146 issue 18 of Blood Journal. The conversation discusses outcomes of bispecific antibodies (epcoritamab or glofitamab) in treating aggressive B-cell lymphoma in a study with 245 patients. Findings show a tentative way forward in treatment for patients with relapsed or refractory (R/R) diffuse large B-cell lymphoma (DLBCL).Featured Article:Real-world outcomes of patients with aggressive B-cell lymphoma treated with epcoritamab or glofitamab
こんにちは。姿勢治療家(R)仲野孝明です。 この番組では、体の姿勢と生きる姿勢、より豊かに人生を生きるための姿勢力について話をさせていただいてます。 今回は、姿勢治療家(R)が考える健康の要素、6ヘルス(構造・睡眠・食・運動・精神・呼吸)の中の構造 この前、歩くを説明イメージしてもらうのに、若い子に「でんでん太鼓」と伝えたら、2回連続で、でんでん太鼓が伝わらなかったのですが(笑)歩き方をお伝えする時「歩くはでんでん太鼓です!」と、イメージして頂きます。でんでん太鼓は、背骨と脚の関係に似ています。 関連WEB 歩くはでんでん太鼓 https://note.com/shisei_asakawa23/n/n191065aa3587 体を見直す時間は、人生を見直す時間です。 ■Youtube|姿勢治療家の「姿勢の医学」チャンネル 正しい姿勢と正しいカラダの使い方配信中 https://www.youtube.com/user/nakanoseitai ■twitter|勢治療家仲野孝明公式 https://twitter.com/sisei_nakano ■有料動画講座|いつでもどこでも学べる姿勢 一般社団法人 日本姿勢構造機構 https://shiseikk.jp/vimeo/ ■メルマガ登録|仲野孝明メールマガジン 6ヘルスを軸にした日々の気づきコラム配信中。 http://takaakinakano.com/mail-register/ ■オンラインSHOP|姿勢治療家印のグッズ販売 自分が使いたい商品をつくっちゃいました https://shop.senakano.jp/ ■公式ページ|姿勢治療家仲野孝明 http://takaakinakano.com/ ■仲野整體東京青山|姿勢治療家HEADOFFICE 治療のご相談はこちら https://senakano.jp/
Joana Marques ligou para Belito Campos para pedir conselhos e conta como correu.
Rosa was diagnosed in March 2019 with Triple negative Breast Cancer. She chose alternative therapies from the beginning including Zhineng QiGong. Then in January 2021 an ultrasound revealed no more metabolic activity. Rosa followed all of the RR healing factors and found that they were all essential. Today, Rosa practices Homeopathic medicine, Hakomi and EFT, as well as psycho-body centered therapies and Shamanic Healing. Rosa can be reached via WhatsApp +52-77-198-2553 or by email: rosa.belendez@gmail.com link to Karla's interview Nov 2023 ___________ To learn more about the 10 Radical Remission Healing Factors, connect with a certified RR coach or join a virtual or in-person workshop visit www.radicalremission.com. To watch Episode 1 of the Radical Remission Docuseries for free, visit our YouTube channel here. To purchase the full 10-episode Radical Remission Docuseries visit Hay House Online Learning. To learn more about Radical Remission health coaching with Liz or Karla, Click Here Follow us on Social Media: Facebook Instagram YouTube _______________
Em dia de Quarta da Manhã, o jornalista e apresentador Hernâni Carvalho vem a estúdio, faz uma edição do Alerta Estupidez e traz boas histórias de guerras e uma bisnaga anti-acne para a Joana.
Vídeo. Pacto para a Justiça? “Os pactos são para distrair”, “as coisas têm de ser feitas no dia a dia”, diz CSM
Viu os relâmpagos? Ouviu a trovoada? País acorda com mau tempo e chuva forte1b21c6c4-26ba
Trump, a América e o Mundo: um ano após a eleição4a7739e3-85ba-f011-8e61-6045bd91967a
For years (yes, we've been doing this a while now), various Radical Research listeners around the globe have asked us, "When is the Dark Millennium episode coming?" For Hunter, this would have been an easy answer: Anytime! For Jeff, a crash course in this interesting, challenging, wholly unique band was in order. Having boned up on the details, Jeff joins Hunter and those RR freakazoid listeners in hailing this band's first two albums, which we dissect readily in this episode. Tangents on Therion and graphite included... Note I: Finally, after years of toil, Jeff's Voivod book is finally available. Taking pre-orders now for this 540-page, 3-pound behemoth…'Always Moving: The Strange Multiverse of Voivod' is ONLY available HERE: http://radicalresearch.org/voivod Note II: The Radical Research Patreon page is now set up and ready for your patronage. We are offering tiered subscription levels for those who want a set-it-and-forget-it donation option. As ever, if you choose to support us, we are humbled and grateful! patreon.com/RadicalResearchPodcast Note III: We are regularly posting newer and older episode to our Youtube channel. Please check that out here and please subscribe if you wanna aid in getting all our coverage into more people's feeds: https://www.youtube.com/@radicalresearchpodcast4942 Music cited in order of appearance: “Below the Holy Fatherlands” (Ashore the Celestial Burden, 1992) “Spiritual” (Ashore the Celestial Burden, 1992) “Inside the Sunburnt Thoughts of Frost” (Ashore the Celestial Burden, 1992) “The Atmosphere” (Ashore the Celestial Burden, 1992) “Dead in Love” (Diana Read Peace, 1993) “Brotherhood Sleep…Back to Treasureland” (Diana Read Peace, 1993) “Fatehistory” (Diana Read Peace, 1993) “Peace in My Hands” (Diana Read Peace, 1993) episode 137 preview: Brand X, “Not Good Enough…See Me!” (Product, 1979) Radical Research is a conversation about the inner- and outer-reaches of rock and metal music. This podcast is conceived and conducted by Jeff Wagner and Hunter Ginn. Though we consume music in a variety of ways, we give particular privilege to the immersive, full-album listening experience. Likewise, we believe that tangible music formats help provide the richest, most rewarding immersions and that music, artwork, and song titles cooperate to produce a singular effect on the listener. Great music is worth more than we ever pay for it.
Joana Marques dá-nos conta do processo de José Cidização de Toy.
A Ana jura que o seu carro vai explodir, recebemos notícias do Antártico, as Três reconhecem o estado de Palestoy e o estúdio vai à loucura com o aumento de dez cêntimos no subsídio de almoço.
Joana Marques traz-nos duas almas gémeas: Fred Canto e Castro e Belinha.
Two cryptid-curious hosts, one rumor-filled episode. Ghosty and Beaker explore who or what Nephilim are and how Sasquatch fits into the legend, with friendly debates, quirky theories, and lots of laughs along the way.Check out our friends from Grimm Ghost Tours on "My haunted Hometown." https://l.facebook.com/l.php?u=https%3A%2F%2Fwww.dailymotion.com%2Fvideo%2Fx9slqek%3Ffbclid%3DIwZXh0bgNhZW0CMTAAYnJpZBEwaTR5V1pxMURYempodmtUVwEeeNJjQROqSjnswHCySFJsiRcF8nP4l5xdBm4TBausVJEifvnyO8IJ1YyFB14_aem_ivlhVXhL7Mqes4wvFKHgUA&h=AT2E0S0aeXmOt5xZ8gI6HlVndeEV00ZIdkaND2osZZWdOvP6eqfEqmM2ZnluF95P61TUrbV2HNEKSVIadez9v9gx4GFh-UNHv1V4rAEHOH6g7nMQLrObtaRBI5VT_5hKQZYr4WJqpRqSJYC5-K0i9XcAfE8JRQ&__tn__=R]-R&c[0]=AT0AUgW5OYEJOVTl0Jj7sbyqd0NvB0bvA_XE3hgp4-YWO2AiIyShkPuFzKYBsZpnqyCvEdQ90rax6dxz2r8Dd7WAdYlefmFvK87yJ1avVNnTEmnuoTmAVkTuJzSH9fSsaSEdUYX299c9PzvPmalZUpeeiAListen, Enjoy and Subscribe.Have an interesting story to share? Please tell us about it, email: evp.pod@gmail.comFollow us on social media (@evp.pod) and check out all the ways to listen and watch the podcast: https://linktr.ee/evp.podLooking for the best shop to find paranormal investigating equipment, check out Ghost Stop: https://ghoststop.com/?rfsn=6873776.882712
A Inês faz de DJ no Halloween, o Alerta descobre a agência publicitária de escândalos e as Três choram a rir ao recordar o início do Preço Certo
Joana Marques viu o novo reality show ("experiência social") da SIC, para que mais ninguém tenha de passar por isso.
Joana Marques propõe título alternativo para a nova telenovela da TVI.
Depois de "Sangue Oculto" e "A Promessa", Joana Marques volta a analisar uma novela com João Catarré: "Terra Forte". Mas não é nada de pessoal, é só Catarré que escolhe mal os projectos.