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From the relentless news cycle to workplace biases and the ever-commercialised Valentine's Day, this episode of Loose Suits is packed with sharp insights, unfiltered opinions, and plenty of laughter.Heather Melville, I. Stephanie Boyce, and Janie Frampton return to break down the week's biggest stories - challenging outdated norms, debating leadership failures, and even questioning why airlines still can't get seating right.

As the wine investment business leader with $275M of assets under management, Cult Wines has been a pioneer in the space for over a decade.  Born out of a passion for wine, Tom Gearing, CEO and founder of Cult Wines, tries to balance the head and heart elements of investing in wine with actively managed portfolios by CFAs and experiences with some of the top wineries of the world.  Tom shares all the details and great examples of why people should consider investing in wine, the Cult Wine investment process, and where Cult Wines is heading.  Detailed Show Notes: Tom's backgroundfounded Cult Wines w/ his brother in universityFather was an investment banker with a passion for wine, especially BurgundyTraveled a lot to Burgundy as a childStarted an import company - Burgundy CellarThe early 2000s - started Financial Wines - an online price transparency tool, but ran out of funding after the dot com crash2007-2008 - during Financial Crisis - people looking for alternative investments - Tom realized wine was a safe haven and should be more investableBased in the UKWhere the Wine trading is very well establishedThe UK has tax free status for wine trading for anyone in the world - can keep wine in a tax free warehouse where you don't pay taxes (sales tax, VAT) upfrontAsian collectors used London to build collections before shipping itBrexit impact - mostly operational (shipping is a lot slower) vs. tax,Why invest in wine?Those with a passion for wine - Build a fine wine collection, can drink it, or sell it in the futureThose not passionate about wine - wine prices are more consistent and tend to go up in value because the supply goes down over time (people drink it), tends to be insensitive to financial market fluctuations (went up in value in 2009) - suitable for diversificationVs. art/cars/other alternative investments, wine is more attractive:Accessibility - lower barriers to entry - hundreds or thousands of dollars for wine vs. millions for fine art/carsLiquidity - better than other alternative assetsPrice transparency - more trading publicly and more visibility (though, still not as good as it could be)Wine investment serves as a storage/aging function for the fine wine market with pristine provenance and authenticityCult Wines OverviewNot a retailer - acquires wines on behalf of clientsThree warehouses - London, Paris, BordeauxEU changed storage laws in 2016 to hold wines without paying VAT (similar to the UK)Have own warehouse and staff to ensure provenance and authenticity of wines (e.g., caught heat damage on a shipment of Scarecrow wine and made a claim with freight forwarder immediately)Has own photography studio and processes 250 cases/day, and photos are immediately uploaded for inspectionInvestment processHas a managed portfolio service (min $10k investment)Gather client objectives - risk profile, investment duration (3-5 years, 5-10 years, 10+ years), how wine fits into their entire portfolioBuild a personalized, customized portfolioStore wine in physical warehouses (clients own bottles or cases, the physical asset b/c it's hard to have liquidity for funds where people have fractional ownership of a fund)Get access to investment platformTop-down investment process - actively managed portfoliosCult Wines has a Chief Investment Officer (CIO), and all portfolio managers are Chartered Financial Analysts (CFA)Constantly reviewing the market and making asset allocation decisionsE.g., Trump Tariffs on European wine - team thought Bordeaux would go down in price, proposed reducing allocations from 40% -> 30% and re-allocate to Italy, which looked undervalued already and had no tariffs; in 6 months, AUM of Bordeaux went from 40%->36% and Italy 6%->13% and Bordeaux prices went down 2-3% and Italy up 12%Assets Under Management (AUM) - $275MUK/Europe is the biggestAsia nextAmericas (smallest, but newest)FeesAnnual management fee - starts at 2.95%/year (with $10k investment), 2.75% (with $35k investment), 2.5% ($150k investment), 2.25% ($500k investment)Benefits - portfolio allocation, customization of the portfolio, investment platform access, customer support, storage & insurance, trading on the platform (no feeds on trading to align Cult Wines interests with clients)Higher tiers get more experiential benefits - access to producers, client-only events, educational activities, vineyard visitsWine Buying35% direct from winery/new vintages65% secondary market - from existing investors, trusted suppliers/brokers, and trading platforms (e.g., Liv-Ex)Wine Selling / Delivery~20% of wines have been delivered to people, can ship to 45 states, clients pay delivery feesSome clients use Cult wines as a global cellar - e.g., a Japanese collector sent wines to the US when he was going to be there to visitWine sales channelsCult Wines buys for other clients - for wines they believe will appreciate moreTrade team - sells to other wine merchants, brokers, traders, importersRetail/Direct to Consumer - listed on Wine-Searcher and Cult Wines website for saleTeam - ~100 people totalInfrastructure based in UK (including ~24 tech and product folks)Regional offices - relationship managers, portfolio manager (all CFA level; Hong Kong, Singapore, 2 in London, New York)8 in North America (3 in Canada, 5 in New York)Company's Growth1st 5 years - establishing proof of concept2nd 5 years:2014 - acquired competitor, Premier Cru Fine Wine Investments, doubled AUM and business2016 - opened Hong Kong office2018 - opened Singapore office2014-2019 - $7 -> $50Mm in AUMNext 5-year phase (18 months in) - “reborn, evolution”Fine wine investment is limited by market inefficiencies: accessibility, liquidity, price transparencyFocused on projects that will improve inefficiencies and that will naturally make the wine investment space growTypes of wine for investmentOpportunistic trading - capturing inefficiencies in pricing - there may be opportunities to buy in one region and sell in another at a profitBenchmark wines - based on scores (with critics weighted differently by the impact), vintages, the value of an established baseline of wines (e.g., Bordeaux, Burgundy)Finding new opportunities - wines with high quality that have a good chance of increasing in value, e.g., Pierre Gonon St Joseph - was 30-40 euros 3-4 years ago, now $150/bottleAuction houses - don't work with them muchHard to get certainty of provenanceA lot more mature/older wines which have already gone up a lot in valueCosts are prohibitive (10-20% on a transaction)But the best place to get the highest/best prices (e.g., 1945 DRC from the Drouhin cellar got ~$500k / bottle)Next for Cult WinesLaunching new platform for managed investment serviceBespoke, public blockchain for security, authenticity, and speed of secure transactionsContinue to build North American offices (opened Spring 2021) in Canada and New York

We're back with another apolitical science episode! Dr. Preeyam Patel (PhD in immunology) and Eric follow up their initial episode (8 of this podcast) and the supplemental vaccine talk (of episode 12) to update listeners on how much of the information previously discussed is still accurate (spoiler: it's 100%!) and talk about the latest questions emerging from COVID-19 across the globe. Such as: - We've updated the original sources cited document to include all-new research for today's episode! - What's the difference between a COVID variant, a mutation, and a strain? - has COVID been acknowledged as having aerosol status? - What is the Swiss Cheese Diagram? - How long do antibodies last? - Will COVID variants increasinly get more deadly and worse as time goes on? - What if COVID mutated as fast as influenza / the common flu? - from beach balls to proton packs, Dr. Patel has no trouble explaining heavy concepts to a captive Eric. - We discuss variants B117 and 501.v2, what gives them an edge, and whether they're actually more deadly or infectuous than other COVID. - ONCE you are vaccinated, can you still transmit the virus to others? - What's the deal with COVID reinfection? - We deep dive into the 5 major vaccines getting approval and trials across the globe - a summary of what went wrong with AstraZeneca's trials in the UK - Have scientists found a correlation among severe covid patients. - Why do more MEN die from severe COVID than women? - What are INTERFERONS and who has antibodies to them? - Do we know any more about the long-term effects of COVID? - Final advice It was thrilling having Dr. Patel back on the show. Please let us know if you still have questions about COVID after listening! e-mail the show at thankyouforspieling@gmail.com or @TYFSpiels on Twitter.

LEXINGTON, Ky. (April 23, 2019) – The University of Kentucky Alumni Association started the Great Teacher Award program in 1961 to honor excellent teaching at the university. There have been 296 awards given since that first year. Nominations may only be submitted by current students. To receive the award, a candidate must: Hold the rank of full-time lecturer or above and have been a member of the faculty for the past three years at UK Have superior knowledge of the subject matter Have original and innovative classroom presentations Demonstrate concern for students, both inside and outside the classroom setting Not have been a recipient of the award for the past 10 years A committee of 17 members of the UK Alumni Association Board of Directors and a representative from the student organization Omicron Delta Kappa select the recipients based on objective rating and ranking of the eligible nominations submitted. On this episode of Behind the Blue, UKPR’s Amy Jones-Timoney talks with two of the six Great Teacher Award winners for 2019. Become a subscriber to receive new episodes of “Behind the Blue” each week. UK’s latest medical breakthroughs, research, artists and writers will be featured, along with the most important news impacting the university. For questions or comments about this or any other episode of "Behind the Blue," email BehindTheBlue@uky.edu or tweet your question with #BehindTheBlue

LEXINGTON, Ky. (April 16, 2019) – The University of Kentucky Alumni Association started the Great Teacher Award program in 1961 to honor excellent teaching at the university. There have been 296 awards given since that first year. Nominations may only be submitted by current students. To receive the award, a candidate must: Hold the rank of full-time lecturer or above and have been a member of the faculty for the past three years at UK Have superior knowledge of the subject matter Have original and innovative classroom presentations Demonstrate concern for students, both inside and outside the classroom setting Not have been a recipient of the award for the past 10 years A committee of 17 members of the UK Alumni Association Board of Directors and a representative from the student organization Omicron Delta Kappa select the recipients based on objective rating and ranking of the eligible nominations submitted. On this episode of Behind the Blue, UKPR’s Amy Jones-Timoney talks with two of the six Great Teacher Award winners for 2019. Become a subscriber to receive new episodes of “Behind the Blue” each week. UK’s latest medical breakthroughs, research, artists and writers will be featured, along with the most important news impacting the university. For questions or comments about this or any other episode of "Behind the Blue," email BehindTheBlue@uky.edu or tweet your question with #BehindTheBlue

LEXINGTON, Ky. (April 10, 2019) – The University of Kentucky Alumni Association started the Great Teacher Award program in 1961 to honor excellent teaching at the university. There have been 296 awards given since that first year. Nominations may only be submitted by current students. To receive the award, a candidate must: Hold the rank of full-time lecturer or above and have been a member of the faculty for the past three years at UK Have superior knowledge of the subject matter Have original and innovative classroom presentations Demonstrate concern for students, both inside and outside the classroom setting Not have been a recipient of the award for the past 10 years A committee of 17 members of the UK Alumni Association Board of Directors and a representative from the student organization Omicron Delta Kappa select the recipients based on objective rating and ranking of the eligible nominations submitted. On this episode of Behind the Blue, UKPR’s Amy Jones-Timoney talks with two of the six Great Teacher Award winners for 2019. Become a subscriber to receive new episodes of “Behind the Blue” each week. UK’s latest medical breakthroughs, research, artists and writers will be featured, along with the most important news impacting the university. For questions or comments about this or any other episode of "Behind the Blue," email BehindTheBlue@uky.edu or tweet your question with #BehindTheBlue

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Visit us here: http://www.ImportExportCoaching.comConnect with me personally here:https://m.me/2054906828156330Call our office on (02) 8003 7534 (Australia)Call our office on +1 323 521 5072 (USA)Call our office on +44 02 037649221 (UK)Have you ever wanted to start an Import Business? Wanted to launch an Amazon business but not sure what product to sell or even where to get it? Are you worried about scammers on Alibaba or Aliexpress and scared to get started?Well, all that's about to change! We at Import Export Coaching show everyday people how to launch an online business and find hot products in China and get them safely to your country with zero hassle. We GUARANTEE that all our students will be importing within 3 months or less from China and have found their product and be selling it online.

Visit us here: http://www.ImportExportCoaching.comConnect with me personally here:https://m.me/2054906828156330Call our office on (02) 8003 7534 (Australia)Call our office on +1 323 521 5072 (USA)Call our office on +44 02 037649221 (UK)Have you ever wanted to start an Import Business? Wanted to launch an Amazon business but not sure what product to sell or even where to get it? Are you worried about scammers on Alibaba or Aliexpress and scared to get started?Well, all that's about to change! We at Import Export Coaching show everyday people how to launch an online business and find hot products in China and get them safely to your country with zero hassle. We GUARANTEE that all our students will be importing within 3 months or less from China and have found their product and be selling it online.

Visit us here: http://www.ImportExportCoaching.comConnect with me personally here:https://m.me/2054906828156330Call our office on (02) 8003 7534 (Australia)Call our office on +1 323 521 5072 (USA)Call our office on +44 02 037649221 (UK)Have you ever wanted to start an Import Business? Wanted to launch an Amazon business but not sure what product to sell or even where to get it? Are you worried about scammers on Alibaba or Aliexpress and scared to get started?Well, all that's about to change! We at Import Export Coaching show everyday people how to launch an online business and find hot products in China and get them safely to your country with zero hassle. We GUARANTEE that all our students will be importing within 3 months or less from China and have found their product and be selling it online.

My guest for this episode of Informed Choice Radio is Rodney Hobson. Rodney is an experienced financial journalist who has held senior editorial positions with publications in the UK and Asia. He was previously News Editor for the Business section of The Times, Business Editor of the Singapore Monitor, Head of News at Citywire and Editor of Shares magazine. Rodney has also contributed to the Daily Mail, the Independent and Business Franchise Magazine. He’s a regular contributor to Share Radio and writes a weekly column about stockmarkets, the economy and investment news for the financial news website Morningstar. Rodney is the author of several financial books including Shares Made Simple; Small Companies, Big Profits; Understanding Company News; How to Build a Share Portfolio and The Dividend Investor. He is also author of the Detective Inspector Paul Amos Lincolnshire Mystery series of books. His latest book is The Book of Scams, published by Harriman House. It describes the types of scams perpetrated on the public, how to spot the tell-tale signs and how to avoid becoming the next victim. In this episode of Informed Choice Radio, I speak to Rodney about the history of scams, how modern technology makes it easier to be scammed, why sophisticated investors are just as likely to fall victim, and much more. Welcome to The Book of Scams with Rodney Hobson, in episode 136 of Informed Choice Radio. Some questions I ask – What made you want to become a financial journalist, what made that journey happen? – What was the transition like coming from financial journalism in Hong Kong to the UK? – Have stories about financial scams always been common place in your work, is it something that’s always been there in the background? – Who gets scammed? – Are scams becoming more sophisticated, are they becoming harder to detect? Thank you for listening! To get new episodes of Informed Choice Radio sent directly to your device as soon as they are published, you can subscribe on iTunes or Stitcher Your reviews on iTunes are incredibly helpful and really appreciated. We get notified about each one; please leave a note of your name and website URL so we can mention you in a future episode.

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