Podcasts about scv

Season 4 of Couchonomics with Arjun kicks off with a venture builder shaking up the system — Gautam Jain from SC Ventures by Standard Chartered.From launching digital banks in Asia to building full-stack ventures in the GCC, Gautam's now part of a team transforming how venture-building happens inside a bank.In this episode: 

This week on  ⁨@whenwifegivesyoulemons⁩  we talk about opening my new spa in an office building. John talks about, actually, I have no idea. #massage #santaclarita #funny

this week on ‎⁨@whenwifegivesyoulemons⁩  we talk about universal studios massage therapy opening up my new studio #universalstudios #citywalk #comedy

https://youtube.com/shorts/KSlBpWCFbcc?si=ldWbPI1H5yNG_IBgThe price drop wave continues across Santa Clarita — and it's no coincidence. In today's March 31, 2025 podcast, I, Connor with Honor, your First Responder Realtor, break down the 100+ price changes we've tracked across the SCV this past week. Sellers are adjusting expectations, and buyers are stepping back with a watchful eye — waiting for the right moment to strike.Are we seeing an early shift in overall pricing trends? Is this the beginning of more broad-based price softening, or just seasonal correction behavior?In this episode, I cover:

This week on  ⁨@whenwifegivesyoulemons⁩  John talks about going to the punk festival with Caleb, Joy talks about going to the comedy store and talking to porn stars #badreligion #aquabats #comedy

This week on  @whenwifegivesyoulemons  John talks about going to punk shows, Joy talks about her new adventure and her new name and then named Nana too #thecomedystore #marriage #podcast

In this episode we answer emails from Eli, Garrison and Van.  We discuss usig treasury strips ETFs like GOVZ and ZROZ and how they relate to long-term treasury bond funds like TLT and VGLT, a "returned-stacked" portfolio similar to O.P.T.R.A. for accumulation and early retirement and why the Golden Ratio portfolio performs very well on many metrics.  And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterPortfolio Charts Portfolio Matrix Tool:  Portfolio Matrix – Portfolio Charts(Note to compare the discussed Golden Ratio portfolio to other portfolios, input 21% LCG, 21% SCV, 26% LT bonds, 16% gold, 10% REITs and 6% t-bills as "My Portfolio")Amusing Unedited AI-Bot Summary:Dive into the nuanced world of portfolio construction with insights that challenge conventional wisdom about retirement planning and asset allocation. We kick off with an exploration of treasury bond strategies, examining whether STRIPS funds like ZROZ or GOVZ offer "free" 1.5x leverage compared to standard long-term treasury funds. This seemingly technical distinction opens fascinating possibilities for freeing up portfolio space while maintaining effective recession hedging.The heart of the episode tackles a young investor's audacious plan for early retirement using a leveraged portfolio containing 11% UPRO (3x leveraged S&P 500) alongside small-cap value, treasuries, gold, and managed futures. We dissect the Monte Carlo simulations suggesting sustainable withdrawal rates above 6% and consider whether such "return stacked" portfolios represent the future for younger investors seeking growth with manageable volatility.Most surprising is our deep dive into the Golden Ratio portfolio, which a listener discovered ranks #1 overall on Portfolio Charts despite containing just 42% stocks. We unpack the five fundamental rules that drive this portfolio's exceptional performance: strategic stock allocation between 40-70%, balanced growth and value exposure, precise treasury bond positioning, thoughtful alternative asset integration, and minimal cash holdings. The revelation that this construction is essentially an expanded 60/40 portfolio demonstrates how traditional wisdom can be enhanced rather than abandoned.Our weekly portfolio review reveals gold's dominant performance in 2023 (up 10.89%) while small-cap value struggles (down 6.47%), reinforcing the value of thoughtful diversification in navigating today's market landscape. Whether you're planning for early retirement, optimizing your current portfolio, or simply seeking investment wisdom beyond mainstream advice, this episode delivers practical insights for the serious do-it-yourself investor.Support the show

I look at the Warlock cards revealed so far, before playing Defensive Terran Shaman with Patches on the ladder! You can find the deck import code below the following contact links.  You can follow me @blisterguy on Twitch, Bluesky, and Youtube. Join our Discord community here or at discord.me/blisterguy. You can support this podcast and my other Hearthstone work at Patreon here. # 1x (1) Glacial Shard # 2x (1) Lock On # 1x (1) Patches the Pilot # 2x (1) SCV # 2x (1) Thrall's Gift # 2x (2) Missile Pod # 2x (2) Starport # 2x (2) Triangulate # 1x (3) Carefree Cookie # 2x (3) Lift Off # 2x (3) Paraglide # 1x (3) Photographer Fizzle # 1x (3) Rustrot Viper # 2x (4) Arkonite Defense Crystal # 1x (4) Griftah, Trusted Vendor # 1x (6) Bob the Bartender # 1x (6) Golganneth, the Thunderer # 1x (6) Incindius # 1x (6) Shudderblock # 1x (7) Jim Raynor # 1x (100) The Ceaseless Expanse #  AAECAebwBgys0QWN9QXNngbTngaopQa9vgb8wAal0wan0waq6gav8QbblwcJ66kG38AGi9wG+OIGtPEG2PEG7PEGufQGu/QGAAA=

This week on @whenwifegivesyoulemons we talk about John having a dream where Joy cheats on him, John gets and alligator bite, Joy has her first Karen and more #dream #alligator #karen

I (vaguely) talk about what "trying hard" means to me before playing Terran Spaceship Shaman on the ladder. You can find the deck import code below the following contact links.  You can follow me @blisterguy on Twitch, Bluesky, and Youtube. Join our Discord community here or at discord.me/blisterguy. You can support this podcast and my other Hearthstone work at Patreon here. # 1x (1) Lock On # 2x (1) Murloc Growfin # 2x (1) Pop-Up Book # 2x (1) SCV # 2x (1) Thrall's Gift # 2x (2) Cactus Cutter # 2x (2) Missile Pod # 2x (2) Starport # 2x (2) Trusty Companion # 1x (3) Gorgonzormu # 2x (3) Lift Off # 1x (3) Turbulus # 2x (3) Turn the Tides # 2x (4) Backstage Bouncer # 1x (4) Griftah, Trusted Vendor # 1x (6) Golganneth, the Thunderer # 2x (6) Horn of the Windlord # 1x (7) Jim Raynor #  AAECAebwBgaN9QW6zgan0wat4Qav8Qbs8QYM5eQF9ugFh/sFs40Gw48GqKcG66kG0dAGtPEG2PEGufQGu/QGAAA=

This week on  @whenwifegivesyoulemons  we talk about leases, the super bowl, cal king vs queen, psychic medium, psychic reading, massage therapy, new york, and more #newyork #psychic #psychicreading

This week on  @whenwifegivesyoulemons  we talk about Brodie's birthday, supercross, superbad country music, edging, sandy the squirrel sex doll, and more #supercross #birthday #parentingpodcast

In this first Q&A podcast of 2025, Paul, Daryl, and Chris discuss several listener questions and expand on Paul's rebuttal of Big ERN's recent criticisms of diversifying with small-cap value. 0:00 – Introduction 0:29  – Responding to Big ERN's critique 2:11 –  Small-cap value lumpsum vs. dollar-cost averaging 6:38 –  Daryl's take on SCV's premium persistence 8:46 –  Chris' take on SCV's premium persistence 15:50 –  Paul highlights the random timing of SCV vs. S&P500 returns 19:50 -- Are there good alternatives to Vanguard's Wellesley fund? 26:18 -- Does 2 Funds for Life mean no SCV in retirement? 29:35 -- Why not let Buffet manage our money in BRK.B? 33:52 -- What portfolio to get a 3.6% safe withdrawal rate in retirement? 38:53 -- Which accounts do we tap for our annual spending needs? 49:39 -- Why doesn't the Portfolio Configurator include REITs and emerging markets? 54:52 -- When will the Best-in-Class ETF recommendations be updated? These tables were referenced- Table G-1b - Fine Tuning Table: S&P 500 vs US SCV Equity Portfolio - Out-Performance Tell-Tale_Charts 2 Funds for Life PDF 2 Funds for Life on Amazon

This week on  @whenwifegivesyoulemons  John and Joy talk about Christmas, and New Year. Crazy secret Santas, weird presents, and more #christmas #marriage #secretsanta

Welcome to this week's edition of Five Question Friday. Here are the questions we'll be covering today:1. Should you include the value of your home in your asset allocation?2. Should we tilt our portfolio to 10% SCV?3. After-Tax Asset allocation4. Tips Ladders vs ETFs: If for example we had 500k for our fixed assets portion of our portfolio, what are your thoughts on building multiple TIPs ladders with all 500k to meet our retirement goals vs. a more diversified mixof t-bills, CDs, Agency, Corporate, and TIPs?  I am leaning toward the more "diversified mix."5. Roth conversions and Rate of Return AssumptionsResources:Boldin: https://go.robberger.com/new-retireme...Bolgeheads' Wiki: https://www.bogleheads.org/wiki/Tax-a...Reichenstein Article: https://www.financialplanningassociat...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Welcome to the latest episode of Santa Clarita Open Houses Podcast, where we dive deep into the Valencia, CA real estate market and uncover the surprising trends shaping the housing landscape as 2024 comes to a close. Whether you're a buyer looking for your dream home or a seller aiming to maximize your property's potential, this episode has everything you need to navigate the Valencia real estate market.Key Topics Covered in This Episode:Valencia Market Snapshot: Discover why Valencia remains one of the most desirable neighborhoods in the Santa Clarita Valley. With 98 active listings, price ranges from $350,000 to $2,500,000, and an average price per square foot of $440.79, we break down what these numbers mean for buyers and sellers.Santa Clarita Valley Overview: How Valencia fits into the broader SCV market, which currently boasts 432 active listings and a median price of $844,000. Learn more about Santa Clarita neighborhoods and open houses at Santa Clarita Open Houses.Buying in Valencia: Tips for first-time buyers and investors, including popular neighborhoods like Bridgeport, West Creek, and Old Orchard. We explore financing options like FHA, VA, and conventional loans to help you find the right fit. Check out our guide to buying in Valencia here: Buying a Home in Valencia.Selling in Valencia: Expert advice for sellers to prepare your home for the market. From boosting curb appeal to leveraging modern upgrades, we'll show you how to sell quickly and at top dollar. Learn more: Selling a Home in Valencia.Relocation to Valencia: Thinking about moving to Valencia? We provide valuable relocation tips and insights into why this community continues to attract families, professionals, and retirees. Get started here: Relocation Services.Stay Informed, Stay AheadValencia's real estate market offers incredible opportunities for buyers and sellers, but understanding the latest trends is essential. Visit our blog for a full Valencia real estate update: Valencia Real Estate Blog.Don't miss out on upcoming open houses across the Santa Clarita Valley! Check out what's on the market here: Open Houses in Santa Clarita.Ready to make your move? Let Connor with Honor guide you through the process with integrity and expertise. Learn more about how we serve our clients at Youtube Channels:Conner with Honor - real estateHome Muscle - fat torchingFrom first responder to real estate expert, Connor with Honor brings honesty and integrity to your Santa Clarita home buying or selling journey. Subscribe to my YouTube channel for valuable tips, local market trends, and a glimpse into the Santa Clarita lifestyle.Dive into Real Estate with Connor with Honor:Santa Clarita's Trusted Realtor & Fitness EnthusiastReal Estate:Buying or selling in Santa Clarita? Connor with Honor, your local expert with over 2 decades of experience, guides you seamlessly through the process. Subscribe to his YouTube channel for insider market updates, expert advice, and a peek into the vibrant Santa Clarita lifestyle.Fitness:Ready to unlock your fitness potential? Join Connor's YouTube journey for inspiring workouts, healthy recipes, and motivational tips. Remember, a strong body fuels a strong mind and a successful life!Podcast:Dig deeper with Connor's podcast! Hear insightful interviews with industry experts, inspiring success stories, and targeted real estate advice specific to Santa Clarita.

Send us a textIn der aktuellen Ausgabe vom sechzger.de Talk - es ist mittlerweile die Ausgabe Nummer 188 - empfängt Jan insgesamt drei Gäste. Zunächst bespricht er mit den Redakteuren Flo und Edge das Auswärtsspiel in Essen. Alle drei schildern dabei ihre Eindrücke von vor Ort, da sie am Sonntag im Stadion waren. Später stößt Raimund Bertels zur Runde hinzu. Er ist der Vorstand Sport beim nächsten Löwengegner, dem SC Verl.Auswärtssieg in EssenNach zwölf Teilnahmen in Folge muss Peter kurzfristig passen und beendet damit seine starke Serie. Mit Edge und Flo hat Jan aber trotzdem zwei Mitstreiter an seiner Seite, über die er sich ausführlich zum Spieltag in Essen unterhalten kann. Das beinhaltet dieses Mal ausdrücklich nicht nur das Geschehen auf dem Platz bzw. im Stadion, sondern auch die Einlasssituation und den Vorfall am Essener Bahnhof nach Spielende. Als Augenzeuge kann mit den kursierenden Gerüchten zumindest ein stückweit aufgeräumt werden.Unser Gast: Raimund Bertels, Sport-Vorstand beim SC VerlPünktlich nach dem ersten Themenschwerpunkt stößt Raimund Bertels zu der Runde hinzu. Der 57-Jährige ist Vorstand Sport beim SC Verl. Sein Kollege Mario Lüke war bereits in Folge 124 zu Gast im Podcast-Format. Ebenso symphatisch und informativ präsentiert sich Raimund. Jan befragt ihn zunächst zu seiner Person - schließlich ist er bereits seit Jahrzehnten für den SCV in verschiedenen Positionen tätig. Vor kurzem hat er sich zudem in einem Interview mit dem Portal liga3-online geäußert. Darin spricht er vor allem über die Hintergründe seines Abschieds im Sommer, auch im Talk Nummer 188 wird er natürlich dazu befragt.Vorschau TSV 1860 München - SC VerlAbschließend geht es wie gewohnt um die nächste Partie des TSV 1860 München. Das letzte Heimspiel des Jahres 2024 wird am Samstag um 16:30 Uhr gegen den SC Verl angepfiffen. Obwohl die Bilanz ganz klar für die Löwen spricht, wollen sich Edge und Flo nicht wirklich zu einer Prognose hinreißen lassen. Zu unkonstant präsentiert sich die Mannschaft des TSV 1860 bislang. Einen Heimsieg soll es nach Möglichkeit aber schon geben, doch der SC Verl präsentiert sich in den letzten Wochen in guter Form. Punkte gegen Hansa Rostock oder den 1.FC Saarbrücken unterstreichen dies eindrucksvoll. Abschließend geht es in der Folge noch um die Philosophie des SC Verl.Der sechzger.de Talk 188 als Video und PodcastOb Video oder Audio - den sechzger.de Talk gibts für Auge und/oder Ohr. Um keine Folge zu verpassen, könnt Ihr uns natürlich gerne auf YouTube bzw. diversen Podcast-Plattformen abonnieren:SpotifyApple PodcastsSelbstverständlich freuen wir uns auch über jede positive Bewertung, über Kommentare und über Eure Verbesserungsvorschläge.Vielen Dank für Zuhören! Wir freuen uns, wenn ihr uns abonniert und natürlich auf eure Bewertungen sowie Rückmeldungen :-)Hier gehts zur Homepage von sechzger.de!Der sechzger.de Talk auf Youtube

In this episode:Outrage as Pope asks for ‘sacrifice' in money crisisPope blasted: annulling SCV excommunication? Vatican hospital in crisis: will recovery plan be enough?Why does the Vatican owe a debt to Lucifer? Support the show

Welcome to the latest Santa Clarita real estate market update! In this episode, we're breaking down all the critical numbers and trends across the Santa Clarita Valley, including key cities like Valencia, Saugus, Stevenson Ranch, Canyon Country, Newhall, and Castaic. We're also diving deep into the unique opportunities in Acton and Agua Dulce, two of SCV's most sought-after rural communities.

In this episode:Controversial priest defrocked a second timePriest disputes Pope Francis' legitimacy: laicizedWomen's branch of SCV also entrenched in abuse?Vatican's Christmas tree stokes eco-protestConman busted for impersonating Vatican prelateSupport the show

This week on  @whenwifegivesyoulemons  Joy talks about being in a high speed chase, getting compliments. John finds his new friend in a naked homeless guy #compliments #homeless #kids

Hey everyone, it's Connor with Honor, your First Responder Realtor, and today we're talking about something that could revolutionize the way you think about homeownership – Building a Tesla Home in Santa Clarita Valley and Los Angeles County. Imagine having an energy-efficient, prebuilt home sitting on your own piece of land, and doing it all for a fraction of the cost of a traditional home. Sounds too good to be true? It's not! But there are definitely some steps and hurdles involved.In this episode, we're going to explore what it takes to place a Tesla home (or another type of manufactured home) on your land. We'll dive into the nitty-gritty details like permits, zoning laws, and the site preparation you need to consider. I'll also walk you through alternative energy solutions like solar panels paired with battery backup systems and LP gas generators that can make your home off-grid ready. Whether you're in a more urbanized part of the Santa Clarita Valley or looking at rural areas like Agua Dulce or Acton, there's an option for you.We'll also touch on some of the bigger issues around the future of housing, like potential deregulation in California that could make building affordable homes even easier. If changes are made to reduce building restrictions, we could see a major shift in how people approach homeownership in Los Angeles County. For now, though, you'll need to navigate the regulations, and I'll show you how to do it.If you've ever wondered if Tesla homes are a viable option in the SCV and LA County, this episode will give you the facts you need. We'll cover everything from foundation requirements, water solutions, and septic systems, to what kind of land is best suited for these innovative homes. Spoiler alert: You don't need a massive lot – a 5,000 to 6,000 square foot property could be all you need.This is your chance to learn how you can embrace affordable, sustainable living without compromising on quality. Tune in now, and don't forget to visit SantaClaritaOpenHouses.com/building-a-tesla-home-in-santa-clarita-valley-and-los-angeles-county for more details and insights.I'm Connor with Honor, and as always, I'm here to help you navigate the world of real estate with integrity and expertise. Saving the world, one honest home sale at a time.Hashtags:#FirstResponderReYoutube Channels:Conner with Honor - real estateHome Muscle - fat torchingFrom first responder to real estate expert, Connor with Honor brings honesty and integrity to your Santa Clarita home buying or selling journey. Subscribe to my YouTube channel for valuable tips, local market trends, and a glimpse into the Santa Clarita lifestyle.Dive into Real Estate with Connor with Honor:Santa Clarita's Trusted Realtor & Fitness EnthusiastReal Estate:Buying or selling in Santa Clarita? Connor with Honor, your local expert with over 2 decades of experience, guides you seamlessly through the process. Subscribe to his YouTube channel for insider market updates, expert advice, and a peek into the vibrant Santa Clarita lifestyle.Fitness:Ready to unlock your fitness potential? Join Connor's YouTube journey for inspiring workouts, healthy recipes, and motivational tips. Remember, a strong body fuels a strong mind and a successful life!Podcast:Dig deeper with Connor's podcast! Hear insightful interviews with industry experts, inspiring success stories, and targeted real estate advice specific to Santa Clarita.

This week on  @whenwifegivesyoulemons  John sneaks out of someone's house. Joy keeps going into her villain era, does a backyard comedy show, and more #puppyschool #show #comedy

Wir sind zurück! Nach 4 Wochen Pause starten wir mit Jonas Arweiler wieder durch! Heute quatschen wir mit dem 3. Liga Stürmer vom SC Verl über seine Karriere. Wir betrachten die aktuelle Lage seines SCV und welches Potenzial er in der Mannschaft sieht. Wie immer, überfliegen wir seine Karriere. Unter anderem ging es um seine Zeit beim BVB, sein Highlight bei der U20 WM 2017 und wie er die Zeit erlebt hat, als ihn eine Thrombose außer Gefecht setzte. Natürlich sprechen wir auch über seine erfolgreiche Zeit in den Niederlanden betrachtet und haben die Frage der Frage versucht zu klären warum Klagenfurt seit Jahren in den Meisterplayoffs ...Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen? Dann schaue auf www.kostenlos-hosten.de und informiere dich. Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.Gern unterstützen wir dich bei deiner Podcast-Produktion.

The hosts of the Aged Out Podcast, Michael Fantini and Evan Worrell, react to and discuss the 2024 Santa Clara Vanguard Drumline from finals day with one of SCV's Snare Techs, Aaron Fisher.

This week on  @whenwifegivesyoulemons  we talk about John getting Covid, Caleb getting his permit, and Brodie getting starting position. Joy gets nothing, but the pleasure of watching her family #comedy #podcasting #permitdriver

This week on  @whenwifegivesyoulemons  John and Joy are at the end of a crazy run. We talk for a little bit before giving up #nextone #video #prostatemassage

On May 18, 2024 Chris Pedersen made a presentation to the Houston Chapter of AAII.   At the end of the presentation Chris answered over 20 questions.  Those questions are on this podcast.  Here are the question topics: 1. Portfolio expectations compared to S&P 500?2.  How would adding small cap value (SCV) help a retiree?3.  How important is asset class location using 2 Funds for Life?4.  Would a do it yourself target date portfolio be better than buying a target date fund?5.  How do you expect interest rates to impact equity?6.  How different are the Total Market Fund expected returns from the S&P 500?7.  What are drawbacks by investing in SCV?8.  What steps should we take to manage emotional risk?9.  What is your opinion about combining TIPs with equities?10.  Should you increase your equity holdings as the get older?11.  Please comment of Christine Benz's Bucket Portfolio?12.. What SCV funds do you recommend?13.  Are there other target date funds you recommend besides Vanguard?14.  At age 60 what kind of return should I expect over the rest of my life?15.  Do you recommend nudge  withdrawals over withdrawals from the whole portfolio?16.  Why would more profitable small cap value funds do better than portfolios of less profitable companies?17.  Do you recommend VT, the Vanguard Worldwide equity fund? Inside the Investment Mind of Chris Pedersen with host Charles Rotblut.  Charles is  the editor of the AAII Journal, and a vice president and Chartered Financial Analyst at AAII Q1:  What is the best way to get big positions in cash invested?  All at once or dollar cost average over time? Q2:  How should target date fund investors choose the best date for their situation? Q3:What are the pros and cons of backtesting historical performance? Q4:  Why did you choose the drawings in your book “2 Funds for Life?”

This week on @whenwifegivesyoulemons John and Joy talk about the stupid decision they made to get a puppy. Then it's a lot of puppy talk before we remember it's the first episode of the new year #2024 #newyear #dogs

This week on @whenwifegivesyoulemons we talk about Christmas. #christmas #kids #fun

This week on @whenwifegivesyoulemons John keeps one upping Joy. Joy cries, and we talk about Christmas and get stupid deep. #disneyland #strangers #jesus

Paul wishes to warn podcast listeners that this podcast contains a lot of important numbers from the following 4 tables.  The torrent of numbers can be irritating but these are some of the most important aspects of risk and return we should know.Paul asks that investors email him with questions about the tables.  paul@paulmerriman.com In this podcast Paul introduces a new way to understand and compare the likely risk and return of equity asset classes. The biggest challenge for first time investors is not understanding the likely losing periods they will experience as part of the normal progression of successful investments.  These 4 tables compare the historical risk and return of the S&P 500, Small Cap Value, a 2 fund portfolio that's 50/50 S&P and SCV and 4 fund portfolio with 25% each in S&P, Small Cap Value, Large Cap Value, and Small Cap Blend.

This week on @whenwifegivesyoulemons we talk about our kids super power of rooster blocking, Joy gets a massage, John gets a backhanded compliment, and the shit storm that was our life today #married #massage #kids

Paul answers 12 questions  from the AAII New York City Chapter October 2023 MeetingThe video can be watched here- https://www.youtube.com/watch?v=QjFlcDAlH1kPaul's section begins at 08:40. The following links are used in this presentation: Table B14B, ETF portfolios,  and SPIVA Report 1.  Do you recommend using index funds for international funds? 2.  Since small cap value underperforms the S&P 500 for long periods of time, should SCV be avoided by those who are nearing retirement?3. I don't have small cap value available in my 401(k).  Will a small cap blend fund have the same impact?4. How can there be such radical return differences between the small cap value indexes?5.  Are you going to show risk-adjusted returns for the index funds? Treynor ratios?  Sharpe ratios?  Sortino ratios?6.  How does one juggle the choice between investing in a higher expense ratio ETF (example AVUV) compared  to investing in a lower cost index fund?  Would the decision be as simple as going with the lower cost fund?7.  If everyone invests in small cap value funds will that reduce the premium in the future?8.  Some say the SCV premium is declining because private equity companies are taking SCV companies private.  Any truth to the comment?9.  How do I rebalance a target date fund and a small cap value fund?  What gets rebalanced?10. Please recap what the good, bad and ugly of small cap value funds and ETFs.11. How long have you been aware of the small cap value premium?  Did you know about it before they became popular?12.  Fidelity Freedom TDF 2035 has an expense ratio of .7%.  When the expenses are that high does it change your recommendation of adding a small cap value fund?

This week on @whenwifegivesyoulemons We talk about Brodie getting revenge, Joy gets drunk, the best indie author signing ever, and more #indieauthor #indieauthor #indieauthorsigning

In this week's podcast I focus on two topics:  The first is the culmination of a 10 year project that just took a giant leap forward.  As you know the mission of our Foundation is  to help do it yourself investors make better investment decisions.  The bottom line is we want to help  them improve their financial future. While it is not addressed in our written mission, it is our desire to have the work continue beyond what the present group of volunteers can provide. That means finding a stable institution or organization  to carry on our work.  The following release from the Western Washington University introduces a new program that will soon establish a financial literacy program that will impact every student who attends WWU.   Over the next 100 years this endowment should help millions of students and their families make better financial decisions. The second topic is about someone I think everyone of our readers should become familiar.  On October 11 I will be speaking to the New York City AAII Chapter and on October 13 the Bogleheads Conference in Rockville, MD.  In both cases I will be speaking on The Good, the Bad and the Ugly aspects of investing in small cap value.  My hope is my presentation will motivate investors to give serious consideration to adding SCV to their portfolio. While I am excited about the opportunity to present our findings, I must admit the work that Ben Felix, one of our Truth Tellers, has done is about the best I have found on the topic.  If you want to see one of the best cases for SCV please watch Ben do his magic.

This week on @whenwifegivesyoulemons Joy talks about getting a ticket she shouldn't have gotten. Cheeto Burrito, Brodie, and more #kids #meancop #cheeto

This week on @whenwifegivesyoulemons Joy talks about the best thing John's ever yelled when angry. John talks about old relics and more #check #oopsie #author

Chris Wallis, CEO and CIO at Vaughan Nelson, examines the July bank rally, strong GDP print, and deploying cash in SCV.

Alex Stone on RING security cameras not fully secured // Wild Selfie/Trip to Yellow Stone/Tay Swifty Diapers // Guest: Anchor, Elex Michaelson from Fox News – Credit Card Debt // RV resort In SCV Closing

JackoLanternPress.com's Michael Picarella and Tom Picarella briefly profile ChatGPT.  “Spooky” music track at the head of the show is by Andrew G. View more of his work at: http://bit.ly/andrewg_portfolio SHOW HIGHLIGHTS: -The threat: https://www.instagram.com/reel/CniPDcdvFGr/?igshid=MDJmNzVkMjY=  -GPT-4 PDF download: https://arxiv.org/pdf/2303.12712.pdf  -School ban: Schools ban ChatGPT AI tool, afraid students will cheat, plagiarize -Interesting article: https://bit.ly/3L4ImJm  -A.I. stream ban: https://techcrunch.com/2023/02/06/ai-generated-seinfeld-suspended-on-twitch-for-ai-generated-transphobic-jokes/  -ChatGPT pod:⁠ https://podcasts.apple.com/us/podcast/the-chatgpt-report/id1660264772?i=1000597218835⁠ -Headline creator:⁠ https://www.headlinehero.io⁠  -"How to Survive a Robot Uprising" book: https://bit.ly/41fC5jo -"Weird Science" comic: https://bit.ly/3MQmjY3 -”Superintelligence” book: https://bit.ly/40e1856 -”Life 3.0” book: https://bit.ly/3GN04hK  -M3gan from 2022: SCV 11-year-old stars in new scary doll film -Movies: https://en.wikipedia.org/wiki/List_of_artificial_intelligence_films -Bubo: https://surethingtoys.com/products/star-ace-toys-ray-harryhausens-bubo-deluxe-soft-vinyl-articulated-statue  -Paul Bunyan: https://youtu.be/O3rZUOJn5W8 -Spotify playlist: https://open.spotify.com/playlist/609bQ7Z1PCoXgCwTPwewiA?si=VInlqpkVRb-Uj5pXvYkyLg -Our Sponsor:  Nightmare365.com -Monster Revolution Group on Facebook: https://www.facebook.com/groups/MonsterRevolution/  -Our Book: https://amzn.to/3okdFqm  -Pumpkin Hotline: 323-761-0276 For more info, go to JackoLanternPress.com

One might think going into Real Estate in Santa Clarita, CA would be a no-brainer since the City of Santa Clarita is ranked one of the safest in the nation coming in at number four in a recent poll. On top of that, a recent study by WalletHub ranked the City of Santa Clarita as the 31st Happiest City in America! Santa Clarita is a highly competitive market because it's a great place to live, work, and play. We discuss what separates my guest from her other colleagues in the industry and why she says there is an agent for everybody.I introduce to you our friend and neighbor Megan Pratchard from Megan & Lynneve with Keller Williams VIP PropertiesMegan Pratchard and Lynneve Hays are a mother-daughter team with 36+ years of combined experience. In this technology-driven industry, they keep the best of both worlds offering high-tech services to their clients while still always "Keeping Real Estate Personal”.Show Links:Intro and Outro Music from local SCV resident Kayla Grillhttps://www.instagram.com/kaylerj7/?hl=enhttps://linktr.ee/kaylerj7Guest Show Notes:https://www.keepingrealestatepersonal.com/contacthttps://www.keepingrealestatepersonal.com/https://www.instagram.com/realtormeg/https://www.facebook.com/people/Keeping-Real-Estate-Personal-Megan-Pratchard-Lynneve-Hays/100063496454883/@realtormeg Questions? OR if you or someone you know might be interested in sharing their story contact info@scvconnected.comSupport for the show: Hit follow on your favorite podcast app. SCV Connected is on Instagram, Facebook, and YouTube.Until next time...stay connected!

March 1 through March 4, I attended the White Coat Investor Conference (WCICON 2023). On the 2nd, I made a 2 hour presentation focused on "How to Create and Execute a Lifetime Investment Strategy". I was thrilled with the turnout and positive feedback. I also received many questions in the following days. The following are some of the many questions. More to come in the future. It was a wonderful conference. I want to thank Katie and Jim Dahle for putting on one of the best conferences I have ever attended. Here are the questions addressed on this podcast: 3:40 1. Why do value companies make more money than growth companies? The answer includes comments from a 1997 article by Eugene Fama and Kenneth French. Rethinking Stock Returns https://www.chicagobooth.edu/review/rethinking-stock-returns 14:55 2. How much small cap value should I add to my target date fund? 19:30 3. How much small cap value should I combine with my Vanguard Total Market Fund? In this article Table B14A is referenced. https://paulmerriman.com/wp-content/uploads/2022/04/SCV-vs-SP500-Fine-Tuning-Table-2022-v0.2.pdf 22:19 4. What is the difference between the expected long term returns of the S&P 500 (VOO) and the Total Stock Market (VTI)? 25:40 5. There are a lot of different small cap value funds. Which one do you recommend at Vanguard? 28:45 6. Should I put small cap value in my taxable, Roth IRA or 401k? Larry Swedroe's, “Your Complete Guide to a Successful & Secure Retirement” is recommended as a great source of important investment advice. 33:25 7. What do you think of being all equity all the time? I mean for the rest of my life. 38:54 8. I'm 38 and a fairly aggressive investor. I want to build a do it yourself custom target date fund. While I did not mention our custom ETF Allocation Calculator listeners should check it out. https://paulmerriman.com/custom-etf-allocation-calculator/ 45:55 9. You have portfolios that are all small cap value and another that is a combination of small and large cap value. The returns for all small cap value are almost one percent higher. Why not just use an all small cap value portfolio? Sound Investing Quilt Charts 49:30 10. What strategy would you recommend with 5 to 7 years until retirement? More of the WCI questions will be answered in the coming weeks.

Paul Rennick sits down with Rob and discusses the 2019 SCV show.

The following are the Paul's responses to questions and comments from listeners. 1. How do active mutual fund managers invest their own money? Article referenced in podcast: https://ritholtz.com/2023/01/how-do-active-managers-invest-their-own-money/ 2. Why not use market timing to protect investments from declining markets? 3. How should I put money into an account when facing important news like the possibility of a government shutdown over the debt ceiling? 4. Investor has tried unsuccessfully to manage their own money in the past but is tired of paying 1% fee to managers. What do they need to know or do to take control of the process successfully? 5. Investor wants to know where he can read the Wharton/Vanguard study regarding investor returns of target date fund investors vs. non target date fund investors. Paul discusses the Howard Gold Marketwatch article: https://www.marketwatch.com/story/millions-of-americans-it-turns-out-are-making-the-right-investing-moves-according-to-studies-11607458791 6. What's wrong with speculating with part of a portfolio. 7. My wife and I have had a hard time saving. What steps should we take to be sure we are able to save for the future? 8. What one fund should I invest my childs first IRA? Paul mentions table B14A to help make the determination. https://paulmerriman.com/wp-content/uploads/2022/04/SCV-vs-SP500-Fine-Tuning-Table-2022-v0.2.pdf This table is the most viewed of all Foundation tables over the last year. 9. Financial advisor claims that the superior long term results from small cap value is due to a very few years of great performance. The listener wants Pauls response. 10. Parent wants to know how much of child's IRA should go into S&P 500 and small cap value fund. Paul once again refers to B14A.

Join Paul Merriman, Chris Pedersen and Darryl Bahls as they respond to these questions from investors: What can a Do-It-Yourself investor do to prepare his/her spouse/partner for managing retirement investments should the DIY investor die first? Learn how Paul, Chris and Daryl are each personally preparing for their generally disinterested spouses to take over the investments. How can buy-and-hold investors best face information that challenges them to not trust the market? Each of the three discuss how they digest daily news. A listener notes his concern that he hasn't seen enough data to justify using more than the S&P 500 and asks, Where can I access the data for the earlier period? He says that from 2014 through 2022, the S&P 500 has performed better than the Ultimate Buy and Hold Portfolio. He has been able to track performance into the 1990s for the UBH Portfolio but wants to do his own testing on the period prior to 1990. For investors struggling to trust market returns, Paul suggests investors take a close look at Table B14A. Investors must expect big differences in asset class short-term returns. Note that the S&P 500 outperforms small-cap value 46% of the time with an average 11% better return in those years. On the other hand, the other 54% of the time, the SCV advantage produced over 16% average outperformance. It should come as no surprise that in 2022, SCV beat the S&P 500 by 8% to 14% depending on the average company size and value discount of the small-cap-value asset class. Does Paul still uses the Vanguard Short-Term Corporate Bond Fund (VSCSX) for short-term cash needs? Watch the video of this podcast on youtube- https://youtu.be/nCtEykUXcA0

The purpose of our podcasts is to help investors make some of the biggest investment decisions of their life. This podcast focuses on the many reasons small-cap value should be in every investor's portfolio, even if it is a very small part. Paul addresses these questions: 1. What is the lifetime impact of adding 10% to 20% small cap value (SCV) to a portfolio for first time investors as well as retirees? 2. What is the additional risk of adding a small amount of SCV to a portfolio? 3. How can a 2% bigger short-term loss lead to millions more for retirees? 4. How could a very small investment in SCV help you retire 2 years sooner? 5. How will a small investment in SCV change your cash flow in retirement? 6. How does SCV perform during periods of high inflation? 7. How often should you expect SCV be the best and worst investment? 8. How does SCV perform after major market losses? 9. How much more or less are you likely make if you don't rebalance your portfolio? 10. What is the likely premium SCV is likely to make over the S&P 500 in the future? Links to relevant tables or download pdf of all tables here. Table B1 Fine Tuning Table for S&P 500 Table 14A Fine Tuning Table for S&P 500 and Small Cap Value Table H1 Sound Investing Portfolio results Table C1 Fixed Contribution Table for S&P 500 Portfolio Table C14 Fixed Contribution S&P+US SCV Equity Portfolio Table D1.4 - Fixed Distributions: S&P 500 Equity Portfolio ($40,000/year) Table D14.4 - Fixed Distributions: S&P+US SCV Equity Portfolio ($40,000/year) Sound Investing Portfolios H1 Sound Investing Portfolio results Sound Investing U.S. Portfolio (1928-2021)-Ordinal Rank Summary Tell Tale Chart