Podcasts about scv

We put something out, so the Boston Crusaders are going to get 13th but also tie with SCV and they'll settle it in the inaugural "Rennick McNutt-Off" on the 50.Go follow us on BlueSky you reprobates.We want to hear YOUR voices - call our submission line at 913-390-3190 and leave your best 2-3 minute take. You can use your real name or a pseudonym, and don't forget to leave us a review on Apple Podcasts.To join in the Drum Corps AF community, check us out at Facebook: https://facebook.com/groups/drumcorpsaf/Instagram: https://instagram.com/drumcorpsafpodcastBlueSky: @drumcorpsafpodcast.bsky.socialDrum Corps AF is available on Apple Podcasts, Spotify, Spreaker, and wherever else you get your podcasts.

New Fed chair Kevin Warsh speaks for the first time Wednesday, and he may loosen the rules on banks buying 10-year bonds. The Fed doesn't set your mortgage rate directly, but if bond buying picks up, mortgage rates tend to follow it down — and the SCV buyers who've been waiting will move fast, because most need a lower rate to afford the home, not just want one.In this episode I lay out what a Santa Clarita seller should do before that happens: price to the real comps from day one, audit your agent's data instead of believing their promise, get every answer in writing (agent, lender, inspector, HOA), and read the CC&Rs before they become someone's lawsuit. Plus why a one-point rate drop could take inventory from 730 listings to 400.Watch the video: https://youtu.be/dUeaxcSrGwA Read the full written version: https://sellersonlyagent.com/blog/fed-meeting-mortgage-rates-what-scv-sellers-should-doOne fixed fee to sell in the SCV: $17,000, every other cost negotiated, sellers only. Call 661-400-1720. Connor T. MacIvor · CalDRE #01238257 · Sync Brokerage, Inc. DRE #02031490.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.

Santa Clarita is sitting at about 730 active listings as of mid-June 2026, up from roughly 500 in January. If you are buying or selling in the SCV, the rising inventory changes your strategy, and this episode is the stuff a good agent should tell you but usually will not. I cover why the interest-rate headline is the wrong thing to obsess over, how to vet a lender instead of taking the first one, the difference between a bank and a mortgage broker who can shop 50 lenders, and the exact questions to ask about fees and net sheets.Then I get into pricing: why the Zillow-style estimate is built to harvest your information instead of valuing your home, and how to use real comparable sales, three to five model matches in your same tract that closed in the last 90 to 180 days, to price with confidence. I close on reading the market through days on market, why I am a sellers-only agent with one flat fee, and how to keep emotion from costing you money on the biggest transaction of your life. CHAPTERS 0:00 730 Listings: The June 2026 SCV Market 0:26 Why the Interest-Rate Headline Misleads You 0:45 It Comes Down to Your Income and Debt 0:58 Start With a Real Estate Lender 1:28 Banks vs Mortgage Brokers 2:25 Why a Broker's 50 Lenders Matter 2:44 Loan Type vs Property Type (FHA and VA) 3:16 The Net Sheet: Ask How They Get Paid 4:10 The Real Proof: When They Talked Someone Out of a Deal 5:09 Know Your All-In Cost 5:22 Why the Zillow-Style Estimate Lies 6:16 How to Read Real Comps, Same Tract, 90 to 180 Days 7:26 Your Offer Strategy and Days on Market 7:58 Why I Am a Sellers-Only Agent 9:45 Keep Emotion Out: It Is a Money Decision 11:13 Wrapping UpFull written breakdown: https://sellersonlyagent.com/blog/vet-your-lender-and-price-your-home-right · Watch on YouTube: https://youtu.be/my-mhG5BXYoAll real estate commissions are negotiable per California Business and Professions Code Section 10140.6. Connor T. MacIvor, CalDRE #01238257, Sync Brokerage, Inc., DRE #02031490.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.

CADENA 100 ofrece 45 minutos de música sin interrupción con la mejor variedad musical. Se comenta la matrícula del Papa Móvil, SCV 1, reservada para el Papa. Una oyente de Valladolid comparte su plan de ir a un albergue rural con 18 niños, lo que requiere "aguante". Mateo & Andrea presentan la mezcla única de éxitos actuales y canciones nostálgicas. Suena la nueva canción de David Guetta. En el juego de las cinco palabras, Vero de Oviedo participa con Mateo & Andrea, logrando una coincidencia con Andrea en la palabra "uvas". La banda sonora de la película "Las Guerreras K-Pop" supera récords de Whitney Houston con su canción "Golden", y Netflix planea una gira mundial y una secuela. Mateo & Andrea ponen un tema de Amaral y comparten la graduación de la ahijada de uno de ellos, Sofía, que pasa a primaria y se frustra fácilmente con los deberes. También se menciona la inauguración del Mundial de fútbol con la actuación de Shakira.

Loneliness can cost you up to 20 years of healthy life. More than poor sleep. More than any supplement. And until now, there was no way to measure it.Dr. Axel Schumacher spent 25 years at the forefront of genomics and epigenetic clock research and says your social life is a more powerful longevity biomarker than anything in your bloodwork. In this episode, he walks through the Social Connectivity Value (SCV): a framework he developed to map your social network, identify the relationships that drain your energy, and turn your social health into a number you can actually track. What you'll learn:* Why loneliness can cost 12–20 years of healthy life (men are hit harder than women) and why the “smoking 15 cigarettes a day” statistic doesn't change behavior without a way to measure it* How to build a sociogram using Dunbar's three layers, assign energy values to every person in your life (including the ones dragging you down), and calculate your SCV score* Why looking for a romantic partner through your close friends almost never works, and the “super connector” strategy that statistically gives you access to 150 new people from a single introductionWhat's the link between loneliness, AI companions, and living to 150? We get into all of it.Timestamps* 00:05 – Intro* 01:35 – Meet Dr. Axel Schumacher* 02:21 – From Genomics to Social Science (The Pivot)* 04:28 – How Loneliness Affects Your Health Span* 06:36 – The Loneliness Epidemic & Declining Birth Rates* 07:47 – Why Is Social Health So Hard to Measure?* 09:56 – The Holt-Lunstad Meta-Analysis Explained* 10:47 – Introducing the Social Connectivity Value (SCV)* 12:44 – The Sociogram: Mapping Your Social World* 13:13 –Building Your Sociogram: Mapping Social Connections* 14:54 – The Dunbar Layers: Your 3 Social Circles* 15:22 – The Invisible Load: Identifying Energy-Draining Relationships* 17:03 – The Invisible Load of Toxic Relationships* 20:09 – The Role of Family and Close Connections* 22:38 – What Is Your SCV Score?* 24:51 – How Your Nervous System Responds to Others* 28:08 – Tracking Your Social Life Like a Biohacker* 30:44 – Introverts vs Extroverts & Social Energy* 31:49 – AI Companions & The Future of Connection* 35:31 – Should Your Partner Be Everything?* 37:34 – Weak Ties & Super Connectors* 41:37 – The Mathematical Magic of Super Connectors* 42:57 – Rapid Fire: Social Media — Net Positive or Negative?* 43:51 – SCV vs Epigenetic Clocks: Which Matters More?* 44:59 – The Best City for Human Connection* 47:12 – One Weekly Habit to Protect Your Social HealthABOUT DR. AXEL SCHUMACHER: Longevity scientist and epigenetics researcher with over 25 years of experience, believes the most powerful biomarker for how long you live isn't in your blood it's in your relationships. After decades at the forefront of genomics and biomarker discovery, he now focuses on quantifying human connection, developing the Social Connectivity Value (SCV), a first-of-its-kind framework to measure your social network as a health metric and longevity tool.RESOURCES MENTIONED: * Website: https://www.grailmaster.com* YouTube ‘Inside the Dating Mind': https://bit.ly/4s2U2i4* Axel's Longevity Protocol: https://bit.ly/4qIL0pZ* Sociogram Preprint with DOI: https://doi.org/10.31235/osf.io/m6h58_v1* X: https://x.com/TheGrailmaster* Instagram: https://www.instagram.com/the_grailmaster/* LinkedIn: https://www.linkedin.com/in/draxelschumacher/ABOUT NINA'S NOTES: Nina's Notes explores the intersection of longevity science, neuroscience, and human optimization. Hosted by Nina Patrick, PhD in pharmaceutical sciences and longevity researcher, each episode translates cutting-edge research into actionable insights for living longer, better.CONNECT WITH NINA'S NOTESNewsletter:LinkedIn: https://www.linkedin.com/in/ninapatrick/Website: https://www.ninapatrick.xyzThanks for reading Nina's Notes! This post is public so feel free to share it. Get full access to Nina's Notes at www.ninasnotes.xyz/subscribe

Welcome back to the show! I am Connor with Honor, and today is May 28th, 2026! We are diving deep into the exact real estate data and pipeline numbers for the Santa Clarita Valley and the North San Fernando Valley! If you are a seller right now, you need to pay very close attention because the San Fernando Valley market is moving at lightning speed—specifically, an eight-day gap faster than Santa Clarita! It is the exact same buyers, the same lenders, and the same interest rates, but the numbers tell us a completely different story!Let's get into the data, the pricing strategies, and why 55 properties completely FAILED to sell this week!

Aggregate 7-day Santa Clarita Valley market snapshot for May 18, 2026. Active inventory is up to 700 listings — a 33% climb from late March. In this episode, Connor MacIvor breaks down the numbers, the elevated failure-to-close ratio, and two patterns sellers and buyers need to understand right now: automated investor bot lowball offers arriving within hours of going active, and the "set up by a neighbor" dual agency trap that quietly costs both sides money in 2026.WHAT'S IN THIS EPISODE- The aggregate 7-day SCV market data- Why inventory climbing 200 listings in 60 days matters for pricing- Hold status — legitimate use versus the agent regroup trick- The investor bot lowball pattern and why every listing needs a frivolous offer clause- The "set up by a neighbor" dual agency trap broken down step by step- Pricing strategy when supply outpaces buyer absorptionWHO IT'S FORSCV homeowners considering selling in 2026. SCV buyers learning how representation actually works. Real estate professionals tracking inventory trends across Valencia, Saugus, Canyon Country, Newhall, Stevenson Ranch, Castaic, Acton, and Agua Dulce.FULL WRITTEN REPORThttps://sellersonlyagent.com/blog/scv-market-watch-2026-05-18WATCH ON YOUTUBEhttps://youtu.be/KsHdR9AVf0sSTRATEGY CALLhttps://api.honorelevate.com/widget/booking/5Xonw2gmGQm4u7AdQkaS661-400-1720ABOUTConnor MacIvor is the founder of Sellers Only Agent™ and SYNC Brokerage's seller-side specialist in Santa Clarita Valley. CA DRE #01238257. 27 years licensed. 23-year retired LAPD veteran. Builds the SCV Market Watch Daily on aggregate MLS data to give sellers and buyers the same intelligence the brokerage desk sees, every day. 7 days a week.DISCLOSURESSCV Market Watch Daily is an aggregate-data report compiled from CRMLS Matrix Market Watch and presented for educational purposes. No address-level information, listing-specific commentary, agent remarks, or private remarks are reproduced. © 2026 Connor MacIvor, Sellers Only Agent™.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.

Santa Clarita Valley real estate update for Saturday, May 17, 2026.In this episode:Inventory in SCV has climbed by roughly 200 active listings over the last two months. Absorption rate has barely moved since the end of 2025. Mortgage rates are creeping up because the 10-year bond is shaky on the back of global instability, oil prices, and a wait-and-see Fed posture.For BUYERS in a hot pocket: the no-contingency game is mostly dead in SCV right now. A few years ago we saw buyers waive everything to win. Today, smart buyers are keeping their investigation period. Hear why removing all contingencies is a sticky place to be — and what to ask your agent if they're pushing you that way.For SELLERS: the #1 mistake right now is the wrong valuation strategy. Typing your address into Zillow, Redfin, or Realtor.com triggers automated AI surveillance — your property becomes a target for marketing systems before you've even decided to list. Hear the smarter way to get a real valuation from a local agent who represents SELLERS ONLY.

Spring 2026 in the Santa Clarita Valley. The phone is ringing more. The questions are sharper. Sellers want to know what the 2025 commission lawsuit actually changed, why brokerages keep getting consumed, who is accountable when something goes sideways, and how to price a property in a market that has finally normalized.This episode is the rant from May 6, 2026. A sellers only agent with 27 plus years in the SCV walks through what is actually happening at the closing table.We cover the Realtor versus real estate agent enforcement chain and why it matters. The broker price opinion methodology I learned during the 2009 to 2010 foreclosure cycle as one of a handful of Citigroup foreclosure agents in Southern California, and how that lens still drives how we price homes in 2026. Why the highest offer is not always the winning offer. The financing strength variable. Multiple offer counters. Goldilocks pricing. The spring buying window. Blue Ribbon schools and the premium they create. Golden handcuffs and the loan products that solve them. Assumable mortgages. The buy first then sell strategy. Vacant homes versus occupied homes and the interruption factor. The cash buyer companies and why letting them flip your equity is a disservice to your bottom line.If you are thinking about selling in Santa Clarita, this is the episode that tells you what your neighbor will not.Connor MacIvor. Sellers Only Agent. CA DRE 01238257. SYNC Brokerage.SellersOnlyAgent.com SantaClaritaOpenHouses.com ConnorWithHonor.comBuzzsprout Tags: santa clarita real estate, scv real estate, sellers only agent, real estate may 2026, home pricing, valencia ca, stevenson ranch, canyon country, saugus, newhall, blue ribbon schools, assumable mortgage, multiple offers, broker price opinion, foreclosure agent, connor macivor, seventeenk, real estate podcast, southern california real estateYoutube 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 month we talk about John seeing a kid curse out a bird, gay fight club, CHIPs, Joy gets beat up by a ghost, and more #podcast #ghost #ghoststory

Santa Clarita Valley real estate moves in a predictable cycle. Fall slows down. Winter discounts hit. Spring and summer accelerate as families position for school placement. As we break into May 2026, the cycle is normal again, but the variables on top of it are not. Interest rates are pausing buyer momentum. Assumable mortgages from the 2-3% era are quietly creating arbitrage for sellers who know what they have. And the syndication sites you rely on for your home value are designed to capture you as a lead, not give you a real number.In this episode, Connor MacIvor (DRE #01238257, 27+ years licensed in SCV, retired LAPD Motor Officer) walks through:The seasonal cycle of the Santa Clarita real estate market and why fall into winter slows down while spring into summer accelerates.Why the SCV school system is the single biggest magnet pulling families out of Los Angeles and the San Fernando Valley.The economic logic of moving from LA private school tuition into a Santa Clarita Blue Ribbon public school zone.How interest rates in May 2026 are creating buyer hesitation and what that means for sellers right now.Assumable mortgages: what they are, who has them, how the transaction structures, and why a buyer will pay a premium to take over a 2-3% loan.The 2020-2021 COVID buying frenzy and the real cost six years later. Buyers who waived inspections, skipped appraisal contingencies, and overpaid are still underwater.The truth about Zillow, Redfin, and other syndication sites. Their valuations are calibrated to elicit a click, not to reflect reality. Once you enter your information, 12 to 16 agents start working you, your cookie profile lights up, and real estate ads follow you across every platform.The Sellers Only Agent™ alternative: one agent, one side, no dual representation, no conflict of interest, $17,000 flat fee per listing.Why a flat fee model aligns the agent with the seller and a percentage commission does not.If you own a home in Santa Clarita Valley and you're considering a sale in 2026, this episode is your starting point. Skip the syndication sites. Skip the lead-capture funnels. Get a real valuation from a real Sellers Only Agent™.Get your real Santa Clarita home valuation: https://sellersonlyagent.com $17,000 flat fee. Sellers Only Agent™. 27+ years licensed in SCV.Connor MacIvor DRE #01238257 SYNC BrokerageWatch the video version: https://www.loom.com/share/324f438c12e74dfb89a8fYoutube 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.

Anthropic just touched a trillion dollar valuation on the secondary market. Their actual annualized revenue is 30 billion. The math says they need to grow revenue 30 times before the buyer sees a penny. Meanwhile a single mom in Canyon Country needs to sell her house and doesn't care about any of it. That's the show.Four blocks, twenty-five minutes.THE HOUSE. Last seven days in SCV residential. 77 new listings. 49 went pending. 79 price changes. Sellers are still a beat behind reality but closing the gap. Median price 745k to 855k depending on the source. 86 days on market. 97 percent list to sale ratio which means sellers are giving up 2.5 percent at the table on average. On a million dollar house that's 25 thousand walking out the door. The Memorial Day to 4th of July window is your sprint. Miss it and you're pricing into August competition.THE MACHINE. The Bloomberg circular deal map dropped this week. NVIDIA invests in OpenAI, OpenAI buys NVIDIA chips, NVIDIA books revenue, investors value NVIDIA higher. Same coin moves around the table four times and gets counted four times. The valuations are play money. The tools are real. A plumber in Sylmar dropped a voice agent on his line for 147 dollars a month and revenue jumped 30 percent in the first month because he stopped missing calls. That's the actual story. Not the trillion.THE BODY. New 2026 Nature study on intermittent fasting in middle aged adults. Body weight down 8 percent. Body fat down 6 percent. LDL down. Triglycerides down. The pairing with GLP-1 drugs is where it gets interesting. Different mechanism, different lever, combined effect. Plus a long honest segment on what fasting actually feels like on day two when the voice gets loud.THE ANCHOR. There's now a service that lets you video call an AI avatar of Jesus for $1.99 a minute. A megachurch pastor in San Jose built an AI version of himself for $49 a month. The Episcopal Church has Episcobot. The chatbot is faster than a friend who doesn't pick up. That's a different problem. If your support system is broken, fix the support system. Don't subscribe to a replica of one. They're building gods. We should be building lives.Connor MacIvor. 27 years selling SCV real estate. 23 years LAPD. 43 years writing code. One man operation. ConnorWithHonor.com.Sell your SCV home for a flat 17 thousand dollars at SellersOnlyAgent.com.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.

Dave McColl is Executive Director of Stanford Climate Ventures (SCV), a program designed to help students build climate companies through rigorous go-to-market strategy and hands-on company building. SCV is a project-based course at Stanford University that has helped launch dozens of startups across energy, infrastructure, and industrial decarbonization. In this episode of Inevitable, Yin Lu, General Partner at MCJ,  sits down with McColl to unpack the SCV playbook—from “earned secrets” to the importance of customer discovery. The conversation also features three founders who came out of the SCV ecosystem: Carla Pinzon, Founder of Expand Power, solid-state transformers for a more flexible grid Raj Tilwa, Founder of Focal, personalized heating systems for commercial spaces Nico Pinkowski, Founder of Nitricity, decentralized fertilizer with air, water, and renewable power Together, they share how SCV shaped their companies, from early pivots and customer insights to product-market fit, and what it takes to build sustainable businesses.  Episode recorded on March 13, 2026 (Published on April 14, 2026). In this episode, we cover:  (0:00) An overview of Stanford Climate Ventures (SCV) (5:12) The origin of SCV and its community-driven model (10:14) How SCV works: discovery, iteration, and “earned secrets” (16:25) The biggest founder mistake: ignoring the customer (18:56) What predicts success: discovery volume and team dynamics (25:51) Carla Pinzon (Expand Power): solid-state transformers for a modern grid (32:21) Finding product-market pull through customer discovery (35:56) Raj Tilwa (Focal): personalized heating vs heating entire spaces (44:21) 100+ interviews to find a real painkiller in hospitality (52:10) Nico Pinkowski (Nitricity): decentralized fertilizer production (58:31) How product-market fit can take years Enjoyed this episode? Please leave us a review! Share feedback or suggest future topics and guests at info@mcj.vc.Connect with MCJ:Cody Simms on LinkedInVisit mcj.vcSubscribe to the MCJ Newsletter*Editing and post-production work for this episode was provided by The Podcast Consultant

In this episode we answer emails from Andy, John, and Todd.  We discuss what "holding dollars" means, the lure of speculation on recent events, the ongoing inadequacies of 401k and 403b plans and their incentives, and small cap value vs. small cap blend.  More Cowbell!  Before that we trade stories from the EconoMe Conference and spotlight Fairfax CASA's work with foster kids and our fundraising efforts.Links:Fairfax CASA Donation Page:  Donate - Fairfax CASAEconoMe Presentation on Financial Forecasting and Base Rates:  F. Vasquez EconoMe 2026 Final Slides.pdf - Google DriveTestfolio Comparison of LCV vs. LCG vs. SCV vs. SCG:  testfol.io/?s=cSv9C5VxOW9Testfolio Comparison of Golden Ratio Portfolios with Small Cap Variants:  testfol.io/?s=hTcOUvd0g4JBreathless Unedited AI-Bot Summary:Markets get weird fast: oil shocks, war headlines, and that sickening moment when it feels like every asset in your portfolio is moving together. We dig into a question that pops up in exactly those moments: what does it actually mean when traders say they're “holding dollars,” and is there a DIY investor version that makes sense? We walk through the mechanics behind dollar demand, why institutional cash moves don't map neatly onto a home risk parity portfolio, and why cash timing is a low-odds game for long-term investors.From there, we tackle the real culprit behind most bad decisions: the urge to tinker. We talk leverage, opportunistic investing, and the seductive idea that you'll spot the perfect entry point if you just watch enough financial news. Our view stays consistent: a disciplined asset allocation, a clear rebalancing rule, and the patience to wait out uncertainty usually beat prediction. If you absolutely must scratch the itch, we discuss how some investors think about volatility tools when the VIX is elevated, and why even “smart” speculation should be capped and rules-based.We also answer a practical retirement-plan headache: building diversified risk parity style exposure inside a 401k or 403b with limited fund menus. We explain why plan options change slowly, what kinds of “alternative investments” may show up instead, and why pushing for a self-directed brokerage window can be the most effective workaround. Finally, we close with a nerdy but important allocation question: small cap value vs small cap blend, how small cap growth can sneak in, and why index selection (CRSP vs deeper value tilts like S&P 600 value style exposure) can change what your backtest is really telling you.Subscribe for more DIY investing clarity, share the show with a friend who keeps tinkering, and leave a quick review with your biggest portfolio question.Support the show

This is the most comprehensive buyer's education session I've ever put together — and it's completely free. No sign-up. No lead capture. No pitch. Just raw, unfiltered guidance from someone who's been in the Santa Clarita real estate trenches since 1998.I represent sellers exclusively. That means I have zero incentive to spin anything for buyers. What you get in this episode is the truth about buying a home in 2026 — the real numbers, the real costs, and the real strategies that protect your money.Here's what we cover:The Santa Clarita and LA County market right now — median prices, mortgage rates, competition scores, and what they actually mean for you as a buyer. All six SCV communities broken down — Valencia, Saugus, Newhall, Canyon Country, Castaic, and Stevenson Ranch. Mortgage types — Conventional, FHA, VA, USDA — and current rates. First-time buyer grants and programs most people never hear about, including up to $150K through California Dream For All. The real costs beyond the mortgage — property taxes, Mello-Roos, HOA, fire and earthquake insurance, maintenance, and closing costs. The new mandatory buyer-broker representation agreement — what changed with the NAR settlement and California AB 2992. How to find and vet a buyer's-only agent — the six questions you need to ask. Why you should never use the seller's agent. Inspections and due diligence — what to get, what it costs, and why you never skip it. Negotiation strategies, red flags, the full escrow timeline, and the critical mistake of changing your finances during escrow.The companion slide deck for this episode is live at buyers.connorcoded.com — bookmark it, reference it, share it.If you need a buyer's-only agent in Santa Clarita or LA County, call or text me at (661) 400-1720. I don't represent buyers, but I know the best ones who do.Watch the video version on YouTube: https://youtu.be/WNUcUBUEuBAConnor MacIvor — Connor with Honor 27+ years Santa Clarita real estate | CA DRE #01238257 | SYNC Brokerage SellersOnlyAgent.com | ConnorWithHonor.com | HonorElevate.comYoutube 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.

You've seen the ad. Every real estate agent has. It's the one that hits your Facebook feed with a "privately held masterclass replay" and a countdown timer screaming that access closes in 48 hours. It's polished. It's well-produced. And it is designed from the first word to the last pixel to separate you from your credit card.In this episode, Connor MacIvor — 27-year Santa Clarita Valley real estate veteran, former LAPD officer, and recognized AI expert in the SCV — breaks that ad apart line by line. Not because it's the worst thing in the industry. Because it's actually well done. And that's exactly what makes it dangerous.You're going to walk away from this episode understanding every psychological mechanism being used on you — and more importantly, you're going to have the complete framework they're selling, delivered right here, for free. No opt-in. No email address. No velvet curtain with a $997 course hiding behind it.

This month on  @whenwifegivesyoulemons  we talk about our month. We promise to start doing these episodes at least twice a month. We go to taco bell (casino) John gets hit on in arizona, Joy releases a book and we talk about the seahawks #seahawks #superbowl #tejón

Questions? Comments?Most retirees aren't spending anywhere near what they safely could — often barely 2% of their savings — and that hesitation may be costing them the very retirement they worked for. Don and Tom make the case for permission to spend, walking through why flexible withdrawal strategies beat rigid rules, how the “go-go / slow-go / no-go” years actually play out, and why fear of future healthcare costs often leads to unnecessary deprivation today. Listener questions cover tilted portfolios inspired by Paul Merriman, early-retirement home financing decisions, inheritance timing versus helping kids now, and whether ACATS fraud fears are overblown. The through-line: have a real plan, update it annually, and then — finally — live it.0:04 You did everything right — now spend some of the darn money1:06 Retirees spending only ~2% of savings (why this happens)2:03 Permission to spend is harder than permission to save3:16 Go-go, slow-go, no-go years (and why front-loading joy matters)4:34 Healthcare fear vs. actual retirement guardrails6:19 Helping kids before inheritance (when it matters most)6:35 Why “winging it” works for some — and fails for most7:58 Flexible percentage withdrawals vs. fixed rules8:59 Vacations, Hawaii, and spending after strong market years10:55 Great Wolf Lodge economics (and parental survival strategies)13:00 Listener Q: Portfolio tilts (US, SCV, international, EM)15:49 Listener Q: Downsizing early, mortgages vs. IRA withdrawals18:34 Liquidity matters more than interest rates pre-59½21:15 Retirement planning as a map, not a spreadsheet21:46 Listener Q: ACATS fraud fears and account security24:40 Why total safety often makes life worse, not betterLearn more about your ad choices. Visit megaphone.fm/adchoices

Most retirees aren't spending anywhere near what they safely could — often barely 2% of their savings — and that hesitation may be costing them the very retirement they worked for. Don and Tom make the case for permission to spend, walking through why flexible withdrawal strategies beat rigid rules, how the “go-go / slow-go / no-go” years actually play out, and why fear of future healthcare costs often leads to unnecessary deprivation today. Listener questions cover tilted portfolios inspired by Paul Merriman, early-retirement home financing decisions, inheritance timing versus helping kids now, and whether ACATS fraud fears are overblown. The through-line: have a real plan, update it annually, and then — finally — live it. 0:04 You did everything right — now spend some of the darn money 1:06 Retirees spending only ~2% of savings (why this happens) 2:03 Permission to spend is harder than permission to save 3:16 Go-go, slow-go, no-go years (and why front-loading joy matters) 4:34 Healthcare fear vs. actual retirement guardrails 6:19 Helping kids before inheritance (when it matters most) 6:35 Why “winging it” works for some — and fails for most 7:58 Flexible percentage withdrawals vs. fixed rules 8:59 Vacations, Hawaii, and spending after strong market years 10:55 Great Wolf Lodge economics (and parental survival strategies) 13:00 Listener Q: Portfolio tilts (US, SCV, international, EM) 15:49 Listener Q: Downsizing early, mortgages vs. IRA withdrawals 18:34 Liquidity matters more than interest rates pre-59½ 21:15 Retirement planning as a map, not a spreadsheet 21:46 Listener Q: ACATS fraud fears and account security 24:40 Why total safety often makes life worse, not better Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on  @whenwifegivesyoulemons  we talk about the last three months of 2025. We had a lot going on and we put the podcast on hiatus, but we're back. #wisdomteeth #wisdomteethremoval #podcasting

In this episode we answer emails from JT, Phil, and Glenn.  We revel in the updates to the TestFolio tools, weigh how tilting toward small cap value can lift safe withdrawal rates but also reduces overall diversification, return to KBWP and how property and casualty insurance companies can provide value-tilted diversification, and discuss the tracking results reported on the About page at the website.Links:Testfolio 5% Withdrawal Backtest Comparison:  testfol.io/?s=74fuq6N5WWdTestfolio Comparison of SCV, LCG, LCV and SCG:  testfol.io/?s=4eqimbZveGXWeird Portfolio:  Weird Portfolio – Portfolio ChartsTestfolio KWBP and BRK-B Analysis:  testfol.io/analysis?s=l34pkinSxdeFund Seeder Tracker Site:  FundSeeder - Empowering Top Traders with Capital and InsightsBreathless Unedited AI-Bot Summary:Ready to push past rules of thumb and actually pressure-test a retirement portfolio? We dig into how far a DIY investor can tilt toward small cap value to raise a safe withdrawal rate, what history really shows across 30- and 50-year windows, and why correlation—not bravado—decides whether you can keep spending through ugly markets. Using new Testfolio features with 100-year factor data, we compare the Golden Ratio and Golden Butterfly against more value-heavy mixes and pinpoint where the extra “cowbell” helps and where it just adds stress.We also open a less-traveled door inside equities: property and casualty insurers. Whether you own them through KBWP or direct index the top names, this sleeve has delivered rare intra-equity diversification, often keeping pace with broad markets while zigging in years like 2022. We share the practical trade-offs—expense ratios vs. tracking error, simplicity vs. tax loss harvesting—and explain when the ETF is the smarter, lower-hassle choice. If you already own Berkshire Hathaway for your value core, you'll hear why insurers can complement or substitute without bloating overlap.Context matters, so we pull back the curtain on our publicly tracked taxable account and why it can look extreme in a bad year and strong in a good one. The whole-portfolio view is far steadier, closer to a risk parity blend of stocks, long treasuries, and diversifiers like gold and managed futures. The takeaway: if you want a withdrawal rate you can live with, build for multiple regimes—blend small cap value and large cap growth, keep long bonds for deflation shocks, and add real diversifiers that cut correlation when you need it most. Subscribe, share this with a DIY investor who loves data, and leave a review to tell us where you'd tilt next.Support the show

This week on  ⁨@whenwifegivesyoulemons⁩  we talk about drama, vegas, shout outs, pleasure doll death, dodgers, and the comedy store #dodgers #worldseries #song

This week on  ⁨@whenwifegivesyoulemons⁩  we talk about stuff #lasvegas #funny #scv

This week on  ⁨@whenwifegivesyoulemons⁩  Joy talks about chickens, John goes to Walmart, Joy gets mad and more #fight #marriedcouple #santaclarita

This month on  @whenwifegivesyoulemons  we talk about people peeing in public, connecticut, new york, the statue of liberty, and more #rentalcar #newyork #funny

This week on  ⁨@whenwifegivesyoulemons⁩  we talk about John seeing nakeds all the time, franny watching cats go at it, the burbank author signing, pirate stuff and more #burbank #burbankmarriott #funny

Andrew Ackerman is the Head of REACH Labs at Second Century Ventures, the strategic venture arm of the National Association of Realtors® (NAR). Backed by NAR, SCV invests in early-stage PropTech and construction tech companies, providing them with access to a vast network of real estate professionals and industry expertise. A former entrepreneur, angel investor, and accelerator director at Dreamit Ventures, Andrew has backed 70+ startups and designed structured programs to help founders raise capital and close deals faster. He is also the author of “The Entrepreneur's Odyssey,” a story-driven startup guide, and a frequent contributor to Forbes, Propmodo, and other leading publications.(01:19) – Andrew Ackerman's Journey in PropTech (03:06) – Evolution of the PropTech Landscape (06:40) – The Role of Reach Labs, Second Century Ventures and NAR (10:06) – Challenges in Real Estate Transactions (13:00) – Venture Returns in PropTech (21:01) – Feature: Blueprint - The Future of Real Estate - Register for 2025: The Premier Event for Industry Executives, Real Estate & Construction Tech Startups and VC's, at The Venetian, Las Vegas on Sep. 16th-18th, 2025. (23:03) – Qualifying Investment Opportunities (23:32) – Challenges in Portfolio Construction & Valuation Dilemmas (30:00) – The Role of Venture Debt (35:59) – The Entrepreneur's Odyssey(29:22) - Collaboration Superpower: Richard Nixon

This week on  ⁨@whenwifegivesyoulemons⁩  we talk about Joy listening to an inappropriate mixed cd, moving, Caleb getting his drivers license and a car, mature titties and more #mixedcd #massagemusic #swingin

This week on  ⁨@whenwifegivesyoulemons⁩  we talk about going to Vegas during EDC weekend. We talk about mature titties, blc, massage therapy gone wrong and more #massage #massagetherapy #podcast

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

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...

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

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

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.

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?”