Podcasts about Underpinning

Underpinning the growing use of AI is the need for state-of-the-art data centers. These data centers host a large number of file servers and networking equipment that can store, process, and analyze text, images, code, and other information sources.  While data centers have been around throughout the computer, internet and cloud eras none so big and controversial as these.  One proposed in the state of Utah is larger than Manhattan.  Really!  The objection to these data centers has formed in red and blue states.  The concerns relate to the impact on water supplies needed to cool them, particularly in the Southwest, the spikes in electricity costs, the noise emitted and the giveaways that communities and states have bestowed upon them even if the economic impact on the local workforce is not very impactful.  Large tech companies are feeling the backlash and trying to develop community impact packages that deliver more to the sites where they are being built.  More than 4,000 are already in operation and 3,000 more are being planned or under construction.  To discuss this issue of growing importance is Darrell West, of Brookings, co-author of the book, “Turning Point: Policymaking in the Era of Artificial Intelligence.”

Interview with Alex Walker, Director & CEO of East Star Resources PLCOur previous interview: https://www.cruxinvestor.com/posts/east-star-resources-lseest-endeavour-xinhai-deals-transform-2026-outlook-8740Recording date: 9th June 2026East Star Resources (LSE:EST) is a London-listed mining company with a focused strategy: identify, advance, and partner world-class copper and gold assets in Kazakhstan, one of the world's most mineral-rich but systematically underexplored countries. The company has moved well beyond its origins as a conventional junior explorer. It now holds two major joint ventures — one with Xinhai Mining on its Verkhuba copper deposit, and one with Endeavour Mining across two Kazakh gold belts alongside a portfolio of 100%-owned projects led by the Rulikha copper deposit.The core investment proposition rests on a simple structural advantage: East Star has secured the funding, operational capability, and technical resources of two large, credible mining companies to advance its assets, whilst retaining material economic interests without bearing the associated capital costs. At Verkhuba, Xinhai is funding the project through to production in exchange for 70% of the asset. East Star keeps 30%, free-carried. With a mining licence application targeted for submission this year, construction planned for end-2027, and first cash flow anticipated by end-2028, Verkhuba represents a defined, near-term pathway to copper production cash flow for East Star shareholders without a single further dilutive equity raise required on their part.The Endeavour Mining joint venture operates on a different but equally compelling logic. Endeavour is committing up to $25 million across two exploration programmes in the Stepnogorsk and Karaganda regions, targeting a minimum 2-million-ounce gold discovery. East Star is free-carried at 20% through to prefeasibility. The company's CEO, Alex Walker, has been explicit about the scale of potential value: a 20% interest in a major gold deposit developed by a FTSE 100 operator could be worth, in his assessment, a billion dollars for East Star's share alone. That outcome is speculative and dependent on exploration success but the structure means East Star reaches the point of knowledge without paying for it.Underpinning both JVs is a proprietary competitive advantage that is difficult to replicate. East Star's geological database combined with years of in-country relationship-building with local authorities, communities, and regional officials, gives the company an informational and operational edge in a jurisdiction where most international explorers are only beginning to establish a presence. Walker describes Kazakhstan in terms that evoke Western Australia a generation ago: a province of extraordinary endowment, with the majority of its mineral belts still available for systematic modern exploration.Beyond the JVs, the 100%-owned pipeline including Rulikha at 23 million tonnes and 2.4% copper equivalent, alongside Rulikha North, Telescope, Picket, and Snowy, all provide additional optionality. Each asset carries independent discovery and JV potential, creating multiple pathways to value creation that are not dependent on any single outcome.For investors seeking exposure to copper and gold in a structure that limits dilution risk, provides near-term production catalysts, and offers meaningful upside from major-company-funded exploration, East Star Resources warrants serious consideration.View East Star Resources' company profile: https://www.cruxinvestor.com/companies/east-star-resourcesSign up for Crux Investor: https://cruxinvestor.com

Episode OverviewIn this episode of The Articulate Fly's Casting Angles series, host Marvin Cash and Mac Brown — owner of Mac Brown Fly Fish and Fly Fishing Guide School in western North Carolina — deliver a timely early summer conditions update for the Tuckaseegee and Nantahala drainages. With the 2026 season running approximately 60 days ahead of schedule, Mac and Marvin unpack what that means for trout anglers trying to calibrate their approach as delayed harvest season closes and technical summer fishing begins.Mac reports that terrestrial activity — inchworms, beetles and ants — is already in full force weeks ahead of its typical July–August window, a direct result of an unseasonable hatch progression that accelerated through spring. The duo walk through the mechanics behind this shift: as aquatic insect biomass declines after the spring hatch season, fish increasingly depend on land-based food sources. Mac's practical adjustment is to fish as though you're two months further into the year than the calendar says, a principle Marvin distills to "add 60 days to whatever date you get on the water."Observation emerges as a unifying theme, with Mac sharing a long-held pre-fishing ritual of reading spider webs and noting dace and creek chub activity as real-time indicators of what's in the system. Their earlier-than-normal presence in early June signals an accelerated biomass cycle and points anglers toward the low-food-chain mindset typical of later in the season.Key TakeawaysHow to recognize when the terrestrial game has turned on using field indicators like inchworm drops, beetles, ants and spider web checks before rigging up.Why applying a "60-days-ahead" mental calendar helps you select flies and tactics that match actual on-the-water conditions rather than the date.How dace and creek chub activity in western NC streams functions as a real-time biomass indicator, signaling the shift toward terrestrial and baitfish tactics.Why reduced aquatic insect biomass in summer demands the same patient, deliberate approach used in fall and winter when the drift is sparse.When to transition from hatch-matching to pure terrestrial presentation after the spring hatch cycle runs its course on freestone streams.Techniques & Gear CoveredThe core tactic is terrestrial fishing with patterns that match what's currently in the streamside canopy and terrestrial zone — inchworms, beetles and ants presented as dry fly or near-surface offerings. Mac and Marvin frame this as a biomass-aware strategy: when aquatic food sources thin out after the spring hatch cycle, fish shift to land-based prey, and tactical fly selection should follow. The episode also references the low-biomass presentation philosophy drawn from fall and winter nymphing — slow-water, deliberate drifts that work when food density is low. Underpinning all of it is Mac's emphasis on observation as a systematic pre-fishing discipline: reading spider webs near the water to identify trapped insects, and tracking baitfish species composition (dace, creek chub) as a proxy for how far the biomass clock has advanced. The approach Mac describes is less about pattern-matching a specific hatch and more about reading the full ecosystem before you ever make a cast.Locations & SpeciesThe episode is anchored in the freestone trout streams of western North Carolina, with specific reference to the Tuckaseegee River drainage and the Nantahala River — two of the region's primary trout fisheries. Mac also references the Great Smoky Mountains Park watershed and the Wesser Creek and Silver Mine Creek confluence on the Nantahala, where his early observation habits were formed during years at the Nantahala Outdoor Center. The primary target species is trout, but the conversation gives notable attention to dace and creek chub as ecological indicators — their appearance in fishable numbers during early June 2026 confirms a biomass cycle running roughly 60 days ahead of a normal season. Seasonal context is central: delayed harvest on the Nantahala and Tuckaseegee has just closed, and the transition to technical dry fly and terrestrial fishing is being compressed by an anomalous spring across the Eastern Seaboard.FAQ / Key Questions AnsweredHow do I know which terrestrial flies to use when traditional hatch charts don't apply?Mac advises going directly to streamside observation before rigging up. Look for inchworms dropping on silk threads from overhanging trees, beetles and ants in spider webs near the water, and match what you actually see rather than what the calendar says should be active. In 2026, that means fishing inchworm patterns and terrestrial beetles as early as June — flies that in a normal year wouldn't become primary until mid-July through September.Why does summer trout fishing require thinking about fall and winter tactics?As the spring hatch progression winds down, total aquatic insect biomass in the river drops sharply. Mac and Marvin explain that this low-biomass condition parallels what anglers encounter in fall and winter — fish aren't keying on active hatches so much as opportunistically taking what's available. Anglers who bring the patient, deliberate presentations of fall nymphing into their summer terrestrial game tend to see more consistent results than those who keep chasing hatch windows that have already passed.What does it mean that the 2026 season is running 60 days early, and how should anglers adjust?Mac and Marvin observe that hatches, terrestrial activity and baitfish biomass signals are appearing roughly two calendar months ahead of normal schedule. The practical advice: mentally add 60 days to whatever date you're fishing when selecting flies and tactics. If it's early June, fish as if it were early August — heavy terrestrial focus, lower-profile presentations and an expectation that dace and creek chub are already mixing into the catch alongside trout.How do dace and creek chub help you read western NC stream conditions?Mac explains that the presence of dace and creek chub in significant numbers is a reliable indicator of where the baitfish biomass cycle stands. In a normal year, you don't see these species actively competing in the catch until mid-July; their appearance in early June 2026 confirms the accelerated season. When they're catching alongside your trout in numbers, the system's food chain has progressed to a summer biomass profile — time to shift strategy accordingly.Related ContentS7, Ep 28 - Warming Waters and Active Fish: A Spring Fishing Update with Mac BrownS7, Ep 41 - Navigating High Water: Strategies for Success with Mac BrownS6, Ep 145 - Navigating Winter Waters: Unconventional Strategies with Mac BrownS6, Ep 130 - Casting in Color: Mac Brown's Fall Fly Fishing StrategiesConnect with Our GuestFollow Mac on Facebook, Instagram and Twitter.Follow the ShowFollow The Articulate Fly on Facebook, Instagram, Threads and YouTube.Follow our Substack newsletter for episode updates, tips and resources.Support the ShowShop through our Amazon link to support the podcast.Join our Patreon community to support the show.If you are in the industry and need help getting unstuck, learn more about our consulting options.Subscribe & AdvertiseSubscribe to the podcast in your favorite podcast app.Think our community is a good fit for your brand?

Dr. Christine Cocchiola is back, and this conversation goes deep. Dr. Christine is a coercive control specialist, therapist, TEDx speaker, and author who trained under the godfather of coercive control, Dr. Evan Stark.In this episode, we get into what coercive control actually is: not a form of abuse, but the underpinning of all abuse. That distinction matters more than most people realize, especially inside a family court system that still does not know what to do with it.We talk about the emails that land on Saturday afternoon, right when you have the kids. We talk about why your therapist telling you that you have anxiety might be missing the point entirely. We talk about what it actually looks like when an abuser uses permissiveness to lure your children in, and what you can do about it without losing the connection you have worked so hard to protect.Dr. Christine's children's book, Every Moment of Every Day, is linked in the show notes. You can also find her at coercivecontrolconsulting.com and on Instagram at @drcocchiolacoercivecontrol.Support the show*Please Note: there is a long intro that explains my services. If you do not want to listen, just fast-forward 5 mins past. This intro will be changed in future recordings to be shorter. I am not paid to record this podcast and it is a free offering. Offering my work is the only way I can sustain the podcast*Join the Patreon: https://patreon.com/Youarenotcrazy*New Course*: Unhooked: Map the Cycle of Abuse in your RelationshipWebsite: Emotional Abuse Coach and high-conflictdivorcecoaching.comInstagram: @emotionalabusecoachEmail: jessica@jessicaknightcoaching.com{Substack} Blog About Recovering from Abuse{E-Book} How to Break Up with a Narcissist{Course} Identify Signs of Abuse and Begin to Heal{Free Resource} Canned Responses for Engaging with an Abusive Partner

Namaste, Welcome to SAM-VAD (Together In Conversation). In the first week of May 2026, I shared an excerpt titled ‘Control Theory and its Underpinning', which is from the book titled – ‘Human Compatible – AI and the Problem of Control' by Stuart Russell. Russell suggests that we can rebuild AI on a new foundation, according to which machines are designed to be inherently uncertain about the human preferences they are required to satisfy. It also points to this fact – ‘If we use, to achieve our purpose, a mechanical agency with whose operation we cannot interfere effectively…we had better be quite sure that the purpose put into the machine is the purpose which we really desire'. Now, SAM-VAD (Together In Conversation) to the ones paying heed, is where we try to draw your attention to things that matter and the importance of your attention, because, ‘Our life's experience would ultimately amount to whatever we had paid attention to'. Attention: is as fundamental as food; and we go blundering about, seeking ways to assuage the craving, instead of learning how to provide ourselves with what we need, sensibly and calmly. Once our attention is drawn to the mechanism of why and what we give attention to, it is as if a veil has been stripped off and we become freer in our action and choices. And that is our endavour. This week I bring to your attention an excerpt titled – ‘Contingent Convergence and Why Every Moment Matters', which is from the book titled – ‘Fluke' – Chance, Chaos and Why Everything We Do Matters by Brian Klaas. In his book Brian points that Contrary to our instinctive beliefs, cause and effect are never simple and easy to understand: any specific outcome is dependent not only on what appear to be the major events leading up to it, but also on an array of seemingly insignificant, arbitrary, easily overlooked factors, “flukes”—some under our control, but countless others not. Contingent Convergence and Why Every Moment Matters We're often blind to the possible jolts until they happen. We follow routines, the world ticks on day by day, and little changes don't seem to matter. The morning news comes on at seven like clockwork. The commute takes between twenty and twenty-five minutes. From our perspective, the creeps of convergence appear supreme. But then, ever so often, our lives-and our societies-drastically change from the jerks of contingent events. Sometimes, these shifts are the culmination of lots of little changes. They build up over time, until they reach a tipping point, and everything collapses. Other times, seemingly independent individual trajectories become causally interlinked. Imagine a fly buzzing around for hours, exploring empty space, until suddenly it collides with the eye of a motorcyclist, who swerves, crashes and dies. The trajectory of that fly mattered enormously to the life of the motorcyclist, but he was oblivious of the importance of that fly to the trajectory of his life-until it was too late. In that way, we, are often oblivious of how small, contingent changes change our lives and shift our societies. Some are random accidents, such as mutations in DNA. Others are deliberate, but minor, decisions we make. They're happening constantly. We tell ourselves that we're in control of our lives. The truth is that everything is constantly in flux, including ourselves. We live in a world defined by what we might call contingent convergence, which is broadly how change happens. There's order and structure, but the snooze-button effect is real. That leads to an unsettling, but also exhilarating, truth: every moment matters. Excerpt from ‘Fluke' – Chance, Chaos and Why Everything We Do Matters by Brian Klaas. I am sure that you will enjoy reading the book and find it thought provoking too; to buy your copy and read a review, you can click on the following link: Books Enjoy reading it with your family, friends and near and dear one's. Namaste.

Namaste, Welcome to SAM-VAD (Together In Conversation).  In the last week of March 2026, I shared an excerpt titled ‘Thought, Perception and The Hidden Dimension', from the book – ‘The Hidden Dimension' by Edward T. Hall. The central theme of the book is social and personal space and man's (Human being) perception of it.It highlighted that, Communication constitutes the core of culture and indeed life itself and language, is more than just a medium for expressing thought. It is, in fact, a major element in the formation of thought. And finally, Man has elaborated his extensions to such a degree that we are apt to forget that this humanness is rooted in his animal nature. Now, SAM-VAD (Together In Conversation) to the ones paying heed, is where we try to draw your attention to things that matter and the importance of your attention, because, ‘Our life's experience would ultimately amount to whatever we had paid attention to'. Attention: is as fundamental as food; and we go blundering about, seeking ways to assuage the craving, instead of learning how to provide ourselves with what we need, sensibly and calmly. Once our attention is drawn to the mechanism of why and what we give attention to, it is as if a veil has been stripped off and we become freer in our action and choices. And that is our endavour. This week I bring to your attention an excerpt titled – ‘Control Theory and its Underpinning', which is from a book titled – ‘Human Compatible – AI and the Problem of Control' by Stuart Russell. Russell suggests that we can rebuild AI on a new foundation, according to which machines are designed to be inherently uncertain about the human preferences they are required to satisfy. Such machines would be humble, altruistic, and committed to pursue our objectives, not theirs. This new foundation would allow us to create machines that are provably deferential and provably beneficial. Control Theory and its Underpinning In the field of control theory, which designs control systems for everything from jumbo jets to insulin pumps, the job of the system is to minimize a cost function that typically measures some deviation from a desired behaviour. In the field of economics, mechanisms and policies are designed to maximize the utility of individuals, the welfare of groups, and the profit of corporations. In operations research, which solves complex logistical and manufacturing problems, a solution maximizes an unexpected sum of rewards over time. Finally, in statistics, learning algorithms are designed to minimize an expected loss function that defines the cost of making prediction errors The drawback of the above standard model was pointed out in the 1960 by Norbert Wiener, professor at MIT, in his paper titled – “Some Moral and Technical Consequences of Automation”, in his main point stated below: If we use, to achieve our purpose, a mechanical agency with whose operation we cannot interfere effectively…we had better be quite sure that the purpose put into the machine is the purpose which we really desire. Excerpt from ‘Human Compatible – AI and the Problem of Control' by Stuart Russell. I am sure that you will enjoy reading the book and find it thought provoking too; to buy your copy, you can click on the following link: https://humanjourney.us/books/human-compatible Enjoy reading it with your family, friends and near and dear one's. Namaste.

Listen now for a practical look at what it really takes to develop young athletes in a school environment. This episode of the ASCA High School & Youth Podcast features Jonathan Dore, a strength & conditioning coach and teacher at Ipswich State High School, who is also heavily involved in rugby league pathways. The conversation explores the realities of coaching in a school setting: highlighting that it goes beyond physical development to mentoring young people, guiding pathways and building skills for life beyond sport. Jonathan shares his journey of stepping into a head S&C role at just 21 and learning on the job, gradually developing a strong and sustainable program. A key theme of this episode is making the most of limited - Limited equipment, limited time and still finding ways to develop athletes effectively. He also discusses integrating his dual roles as an S&C coach and sport coach, ensuring physical preparation directly supports on-field performance. Underpinning it all is a strong focus on culture and standards, creating an environment where athletes take ownership and consistently buy into the process. Takeaways: • Constraints can improve coaching. • Aligning S&C with sport for better transfer. • Culture and consistency drive results. • Focus on long-term athlete development. Keywords: S&C, Youth Development, High School Sport, Coaching, Culture, LTAD

Scoring systems are everywhere. Underpinning our daily lives – whether it's the fit bits on our wrists, likes on social media, and even school rankings – they have become pervasive and increasingly dangerous, warping our desires and outsourcing our values to external institutions. Instead of encouraging us to be more playful, to take pleasure in the journey of striving towards a goal, institutions, corporations and bureaucracies weaponize scoring systems to impose their own interests. No matter what, we always seem to be playing by someone else's rules.In The Score, philosopher C. Thi Nguyen shows us how this newly ‘gamified' world has fundamentally captured our value systems, turning what might be moral or personal life choices into numerical data, and forcing us to prioritise what can be measured and monetized over what is truly meaningful to us.A life-long lover of online and board games himself, Nguyen argues that we should not stop playing games but rather take a step back and become more aware of their immersive and profound power, so that we might chart a way towards more creative and joyful lives. To start playing our own game.About C. Thi NguyenC. Thi Nguyen is Associate Professor of Philosophy at the University of Utah, and a specialist in the philosophy of games, the philosophy of technology, and the theory of value. A former food writer for the Los Angeles Times, Nguyen is active in public philosophy, writing for the New York Times, Washington Post, New Statesman, and elsewhere.https://www.penguin.co.uk/books/457380/the-score-by-nguyen-c-thi/9780241653975COMMENT AT:https://substack.com/profile/126815820-david-malonehttps://www.instagram.com/hyperlandpodcast/https://www.facebook.com/groups/130898253302317Music by HYPERLANDGraphics by Caroline LargeImage NASA ID: PIA12348 Secondary Creator Credit: NASA/JPL-Caltech/ESA/CXC/STScI Hosted on Acast. See acast.com/privacy for more information.

A few weeks ago, I sat down with Dr Andy Roark and he dropped a line that lit up the internet:“You, my friend, are a dick.”His point was simple and uncomfortable. In veterinary medicine, one of the biggest career killers is being someone others simply do not want to work with. You might be clinically excellent. You might work hard. But if you consistently damage relationships, you quietly lose opportunities, influence and growth.The feedback to that episode was fascinating. Many of you agreed. Many pushed back, sharing stories of abrasive leaders who still climbed the ladder.So this week, I unpack it properly.I break leadership down into a series of “Big D” styles - Direct, Ditherer, Dreamer and Democrat - and explore how each one shapes the way we make decisions. We look at when directive leadership works and when it corrodes culture, why indecision is often a clarity problem, how conflict avoidance erodes trust, and why collaboration without ownership stalls progress.Underpinning it all is one core truth: leadership is decision-making.And great leaders are not defined by personality. They are defined by flexibility.So grab a coffee and join me for a practical conversation about leadership agility, self-awareness and choosing the right mode for the moment.Episode Outline:[00:00] Big D leaders in vet med[02:03] Is being a dick really a career killer?[03:14] The Direct leader – results vs relationships[05:40] The Ditherer – clarity before action[07:41] Dreamers – vision vs avoidance[11:28] The Democrat – collaboration and responsibility[15:52] Why data sharpens decisions[17:11] Leadership is about flexibilityBecome the Leader Your Team DeservesIf you want to sharpen your decision-making, build clarity around what good looks like, and develop the flexibility your team needs from you. Book a call with us at the Veterinary Leadership Academy.We'll help you identify where you're strong, where you're stuck, and what to do next.Follow Dr. Dave Nicol for More Leadership Insights:Follow Dr. Dave: @drdavenicolLearn more about the Veterinary Leadership AcademyEnjoyed this episode?Leave a review on iTunes and share it with your veterinary colleagues!

Elizabeth Duggan is approaching one year in the role of CEO at Parkrun, the volunteer-led running organisation that is held up as a blueprint for sports participation in the UK. Duggan and her team do a lot with a little. What started 21 years ago as one man - Paul Sinton-Hewitt - looking for company on a 5km run around Bushy Park in London has blossomed into a global community of 'fun-runners'. Parkrun welcomed its 12 millionth registrant recently and now operates weekend events - 5km runs and walks, as well as 2km runs for children - in 23 countries around the world. In the next few years, Duggan anticipates reaching 800,000 weekly runners taking part. In this conversation, she explains the principles that have driven the charity's success. For more detail and analysis, subscribe for free to the weekly Leaders Worth Knowing newsletter at leadersinsport.com/newsletters/ ------ Leaders Week London is moving to Stamford Bridge, home of Chelsea FC. We'll see you on Wednesday 7th and Thursday 8th October. For more details visit leadersinsport.com/leadersweek

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

Send a textWith a practice that integrates sculpture, moving image, performance and painting, Sydney based artist Todd Fuller is, at his core, a draughtsman. Underpinning all aspects of his practice is a love of drawing and a belief in its power as a democratic medium to connect, engage and delight audiences. For ten years, Fuller has been crafting hand-drawn animations that grapple with love and loss, as well as ideas of place, identity and community. Often narrative in form, these award winning works are derived from Fuller's experiences with different communities, sites and histories. He has been awarded a number of residencies that have informed and developed his practice, including time spent at Bundanon Trust, Hill End, Grafton Regional Art Gallery, as well as international stints at the Cite Internationale des Arts in Paris, the British School of Rome, and recently the NG Creative Residency in Provence.A graduate of Sydney's National Art School, Fuller has exhibited widely across Australia over the last ten years. He was a finalist in the 2019 Sir John Sulman Prize, won the prestigious Jacaranda Acquisitive Drawing Award in 2018, and his work is present in various public and private Australian collections, including the Parliament House Art Collection, Artbank, Sydney Harbour Trust, and numerous regional art galleries. Alongside his national success, Fuller has gained international attention, with his works in exhibitions in the United States, Italy, France, South Korea, Bangladesh, England, Singapore and Malta.Fuller's practice extends into curatorship and arts production, having held roles with Waverley Council, Biennale of Sydney, Sculpture in the Vineyards and d/Lux Media Arts. The areas under investigation within his curatorial practice overlap with his artistic output. Just Draw, the 2016 exhibition Fuller curated with Lisa Woolfe, which toured regional galleries, showcased artworks that exemplified the varied nature of contemporary drawing practices, a subject close to Fuller's heart. He is one half of interdisciplinary performance collective Flatline, and one third of the Hardenvale - our home in Absurdia touring initiative.Find out more from his website https://www.toddfuller.com.au

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

Send us a textThis cluster of announcements illustrates how enterprise software vendors are converging on monetizable AI, composable ecosystems, and domain-specific depth rather than headline platform reinvention. Product expansions such as BillingPlatform's RevenueIQ suite, Epicor's outcomes-based ERP AI agent, and BlackLine's Verity for the CFO signal a shift toward AI that is tightly anchored to measurable financial and operational outcomes. At the same time, M&A and alliances—including IFS acquiring 7bridges, Salesforce's planned acquisition of Regrello, QAD partnering with Esker, and Versori partnering with Fluent Commerce—reinforce a strategy of filling execution gaps through targeted capabilities rather than broad-suite sprawl. Underpinning much of this activity, Oracle's deployment of GPT-5 across its database and SaaS portfolio underscores how foundational AI services are becoming embedded infrastructure, while workforce and go-to-market expansions from ActivTrak and Capacity's acquisition of KLaunch highlight continued investment in productivity, adoption, and execution at the edges of the enterprise stack.In today's episode, we invited a panel of industry analysts for a live discussion on LinkedIn to analyze current enterprise software stories. We covered many grounds, including the direction and roadmaps of each enterprise software vendor. Finally, we analyzed future trends and how they might shape the enterprise software industry.Video: https://www.youtube.com/watch?v=KdCqxl1NXBIQuestions for Panelists?

Set deep in the Suffolk countryside, the Greyhound Inn is the kind of place that immediately feels special. Over 400 years old and restored with quiet confidence, it balances the warmth of a proper English pub with the ambition of a serious food destination. The welcome is generous, the bar stacked with thoughtful bottles, and the room hums with the sense that hospitality comes first. This is not a place chasing trends, but one grounded in time, community and craft.At the heart of it all is chef Adam Spicer, whose cooking is rooted in hyper-seasonality, nose-to-tail thinking and an obsessive respect for produce. Menus change weekly, sometimes daily, depending on what local farmers, gamekeepers and fishermen bring to the door. One night might feature wild halibut, venison shot by a family member, or rabbit offal cooked with confidence and restraint. When ingredients are this good, Spicer's philosophy is simple: do as little as possible and do it well.Spicer's journey here has been anything but conventional. Largely self-taught, he honed his fundamentals while cooking at Corpus Christi College in Cambridge, before testing himself on MasterChef: The Professionals in 2019. The experience sharpened his focus rather than defining him. What sets his food apart now is not showmanship but depth, from long-reduced bone sauces to perfectly judged offal dishes that feel both generous and precise.Underpinning it all is a shared belief in hospitality over margin. Wine is priced to be enjoyed, not hoarded, with a list leaning towards small, organic producers. Regulars mix easily with visitors from London, including the occasional appearance from local fan Ed Sheeran. With its roaring fires, serious cooking and unpretentious charm, the Greyhound Inn feels like a pub that knows exactly what it is and why it matters. It is a reminder that some of the most exciting food in Britain is happening far from the capital, quietly and confidently. Hosted on Acast. See acast.com/privacy for more information.

Recorded on 18 December 2025 for ICMDA Webinars.Dr Peter Saunders chairs a webinar with Dr Ben Chang Almost every aspect of modern life has been impacted by the social media revolution, from how we view ourselves, to how we relate with those around us, to how nations are governed.Underpinning social media platforms are powerful intelligent algorithms that harvest the data we generate when we click, scroll and post, and use these to feed us content design to maintain our attention and keep us scrolling. The result is a society addicted to its screens.How can Christians navigate this new social media reality? How can we practise self-control in the age of screen-addiction? Do our mere human faculties stand a chance against the intelligent algorithms?Dr Ben Chang is a speaker, writer and emergency medicine registrar working in London. He is author of the book “Christ and the Culture Wars: Speaking for Jesus in a World of Identity Politics” (Christian Focus Publications), and speaks regularly at conferences, churches and universities on a range of issues including bioethics, technology, cultural engagement and identity politics. He is currently writing a new book about social media.⁠⁠To listen live to future ICMDA webinars visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://icmda.net/resources/webinars/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This episode originally aired on December 28, 2021. If you've been moved by a story this year, text 'GIVE25' to 78679 to make a donation to The Moth today. In this hour, stories of tradition, codes, regulations — and breaking them wide open. A foul-mouthed boater, a long-forgotten toy car, and a foray to Florida. This episode is hosted by Moth Senior Director Meg Bowles. The Moth Radio Hour is produced by The Moth and Jay Allison of Atlantic Public Media. Storytellers: Michael Steinberg gets an unexpected case in his new role as the director of the Michigan ACLU.  Samuel James looks at an artifact from his past with new eyes.  Frimet Goldberger ventures into the unexplored world of a Florida water park.  Podcast # 745 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Helping every person and business do all things money – be it spending, saving, investing, borrowing or managing – in just a few taps. That is the mission of our guest today, Revolut. Founded in 2015, and touted as a “super app” providing services from digital banking, cross-border payments, equity and cryptocurrency trading, card services and even travel perks, Revolut has quickly evolved into one of the most talked about fintechs in the world. With a network that supports 160 countries and regions, Revolut says it now serves over 60 million personal customers around the world, and over hundreds of thousands of business customers globally. And the numbers are set to increase as the firm experiences a period of rapid growth right now. For one thing, a Bloomberg report out in September 2025 noted that the company is set to deliver over £4.1 billion (S$7.1 billion) in annual revenue this year. Media reports also noted that the firm launched a secondary share sale the same month, valuing the firm at US$75 billion, with some noting that the fintech darling is exploring a dual listing in London and New York, for what’s said to be its “blockbuster” IPO. That same month, the firm also launched its global headquarters in London and announced a US$13 billion investment to attract 100 million users and enter 30 new geographies by 2030. In Singapore, Revolut plans to double its headcount within a year from September 2025 in line with the company’s wider ambitions to expand into Southeast Asia and around the world. So what’s underpinning Revolut’s aggressive expansion plans and what role will the company’s Singapore operations play in this regard? On Under the Radar, Money Matters’ finance presenter Chua Tian Tian posed these questions to Raymond Ng, CEO of Singapore and Southeast Asia, Revolut.See omnystudio.com/listener for privacy information.

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

Grant Thornton's top audit leader is bullish on the practice's future after a 2024 deal that sold a significant stake in the accounting and advisory firm to private equity investors led by New Mountain Capital. The audit practice has benefited from a boost in dedicated resources and also bolstered its safeguards against conflicts of interest. Those improvements stem from an operating contract between Grant Thornton's legacy audit practice and its PE-backed business, said Ron Messenger, CEO of Grant Thornton's audit business. The firm's private equity deal ushered in a new two-part legal structure that created a corporate entity to provide its tax and advisory work while audit partners run the firm's legacy assurance business. Nearly half of the largest 30 firms have cut PE deals and they all rely on what the industry calls the “alternative practice structure.” Underpinning that new operating structure is a services agreement spelling out the relationship between the two entities from governance to resources. Those agreements can't be an afterthought, Messenger said. He spoke with Bloomberg Tax reporter Amanda Iacone about how Grant Thornton's services agreement came together, how regulators informed that document, and how it will influence the quality of the firm's auditing. Do you have feedback on this episode of Talking Tax? Give us a call and leave a voicemail at 703-341-3690.

On August 25 2025, protestors took to the streets in Jakarta outside the parliament to vocalise their loss of confidence in the current parliament. While the protests were triggered by a newly announced increase in parliamentarian housing allowances, the protests were about so much more. Underpinning it all was a general lack of confidence that Indonesian politicians care about, or were effectively responding to, the very real struggles of everyday Indonesians that they are supposed to be representing. These protests spread to other parts of the country and in some cases, turned deadly. In today's special episode, we turn to the thoughts and responses of Indonesians currently living overseas. Being away from home when such serious and concerning events are underway poses its own challenges, and today I want to find out more about how they are getting information, what they see as the key issues, and what can be done from abroad. Elisabeth Kramer talks to Indonesian students currently studying at the University of Sydney, Australia--Mahesti Hasanah (PhD Candidate Political Economy), Benni Hasbiyalloh (PhD Candidate Government and International Relations) and Ifana Tungga (Masters Candidate Cultural Studies). They are some of the organisers behind Aliansi Gusar, a grassroots based organisation concerned with justice and equality in Indonesia. They share their thoughts and experiences regarding the current protests and organising around ongoing issues in Indonesia. This podcast was recorded on 7 September 2025.

I want to go a bit philosophical today because this past week I made shows about How To Fix Australia Before Its Too Late, and Pop Goes The Property Weasel. Underpinning these important discussions is one simple point, which is that we are living in the shadow of a failed set of policies known as … Continue reading "Neoliberalism: The Seeds Of Our Own Destruction!"

Send us a textJoining me on this week's episode of The English Wine Diaries is Jessica Summer, founder of Mouse & Grape an award-winning cheese and wine business specialising in curated hampers and immersive tasting events focused on this delicious food and wine combo. Jessica, who last year opened her first deli and wine bar in London, was one of Harpers 30 Under 30 in 2023 and this year was named winner of the IWSC Emerging Talent in Wine Award, as well as winner of Retail Buyer of the year at The Drinks Business Awards. Underpinning her expertise is a Level 3 WSET certificate and a Level 2 certification from the Academy of Cheese but she's also got a brilliant marketing head on her shoulders – her innovative April Fools campaign, which saw a host of wine influencers humorously – and quite literally – combining cheese and wine, also won the Drinks Business Social Media Campaign of the Year in 2024.Mouse & Grape has been featured in publications like the Metro, Telegraph, and Express, while Jessica has made notable appearances on Saturday Kitchen, BBC Radio London, the Michael Portillo show on GB News, and today The English Wine Diaries podcast…! We tried the following cheese and wine combinations: NV Louis de Grenelle Platine Crémant de Loire Brut X La Tur –  a blend of thermised cow's, goat's and sheep's milk, from Alta Langa in Piedmont, Italy. Gruner No.1 Canned Wine Co. and Three Choirs Amber Wine X Taleggio – from Lombardy, Italy. Treve Estivale 2022 Rosé X Tor, a smooth goat's cheese from White Lake in Somerset. For Jessica's English cheese and wine pairing alternatives – listen in to the episode. To find out more visit mouseandgrape.com or follow @mouseandgrape on instagram. With thanks to series sponsor, Wickhams, The Great British Wine Merchant. Visit wickhamwine.co.uk to open an account and see their award-winning range of English wine and bottles from around the globe that have exceptional stories to tell.Thanks for listening to The English Wine Diaries. If you enjoyed the podcast then please leave a rating or review, it helps boost our ratings and makes it easier for other people to find us. To find out who will be joining me next on the English Wine Diaries, follow @theenglishwinediaries on Instagram and for more regular English wine news and reviews, sign up to our newsletter at englishwinediaries.com.

Chinese exports of rare earths, a critical component in manufacturing high-end tech products, emerged as a key sticking point in this week's trade talks between Beijing and Washington. Underpinning all of this is the race for artificial intelligence supremacy. Who is winning this competition? Who is best placed to control the supply chains of all the components that go into the top chips and AI models? Jared Cohen and George Lee, the co-heads of the Goldman Sachs Global Institute, join FP Live. Note: This discussion is part of a series of episodes brought to you by the Goldman Sachs Global Institute. Jared Cohen: The AI Economy's Massive Vulnerability Rishi Iyengar & Lili Pike: Is It Too Late to Slow China's AI Development? Vivek Chilukuri: How the United States Can Win the Global Tech Race Brought to you by: nordvpn.com/fplive (Exclusive NordVPN Deal: Try it risk-free now with a 30-day money-back guarantee) Learn more about your ad choices. Visit megaphone.fm/adchoices

I remember sitting in the Mercury at the Adelaide Film Festival and watching Unspoken and getting to see a rare talent emerge on screen in the form of Kat Dominis. Her lead performance left me moved, shaken, and stunned by the depth of emotions she presented on screen. As the credits rolled, I saw she was the co-writer of this award-winning short film, a credit she shares with Mariana Rudan and director Damian Walshe-Howling. Unspoken is a story about family, it's a story about division, and it's a story built on intergenerational trauma.Kat plays Marina, a Croatian born young woman living with her family in 1979. She's in a secret relationship with a white Aussie man, with the two keeping the relationship hidden from her parents. Marina's brothers also live under the same house, with the two brothers falling into the political unrest that unfurls on the streets of Sydney in the form of protests and demonstrations. Acting as a thematic layer to Unspoken is the true story of the Croatian Six; six Croatian-Australian men who were sentenced to 15 years jail in 1981 for a conspiracy to bomb several sites in Sydney.Much of the evidence that was used in the trial of the Croatian Six was fabricated, with the men being set up as part of a sting operation by the Yugoslav foreign intelligence service. The weight of this event sits in the background of Unspoken, with tensions emerging throughout the film between family members, between Croatian-Australians and white Australians, and between girlfriend and boyfriend.Underpinning this tension is that stunning central performance from Kat Dominis who commands the screen with a guiding, lived-in understanding of the weight of her characters lives and the societal and political upheaval they're undergoing. As Marina, Kat presents the conflicted nature of wanting to fit in to a new culture while also trying to navigate the familial heritage of her homelands culture. In this regard, Unspoken becomes a universal story that many migrant families can relate to, especially from the frequently xenophobic landscape of Australian culture and society.These notions, and a lot more, are explored in this expansive interview with Kat Dominis, recorded ahead of Unspoken's screening at the St Kilda Film Festival on 7 June. Unspoken has screened nationally around Australia, and took home the Grand Prix at the Clermont-Ferrand Short Film Festival earlier this year, a rare achievement for an Australian film. Less prestigious, but notable still, is that Unspoken featured in my personal Best Australian Films of 2024 list. It marks the grand arrival of actor-turned-director Damian Walshe-Howling, of producer and co-writer Mariana Rudan, and of course, Kat Dominis as actor, co-writer, and producer. It's a stunning filmic achievement.Follow us on Instagram, Facebook, and Bluesky @thecurbau. We are a completely independent and ad free website that lives on the support of listeners and readers just like you. Visit Patreon.com/thecurbau, where you can support our work from as little as $1 a month. If you are unable to financially support us, then please consider sharing this interview with your podcast loving friends. Hosted on Acast. See acast.com/privacy for more information.

I remember sitting in the Mercury at the Adelaide Film Festival and watching Unspoken and getting to see a rare talent emerge on screen in the form of Kat Dominis. Her lead performance left me moved, shaken, and stunned by the depth of emotions she presented on screen. As the credits rolled, I saw she was the co-writer of this award-winning short film, a credit she shares with Mariana Rudan and director Damian Walshe-Howling. Unspoken is a story about family, it's a story about division, and it's a story built on intergenerational trauma.Kat plays Marina, a Croatian born young woman living with her family in 1979. She's in a secret relationship with a white Aussie man, with the two keeping the relationship hidden from her parents. Marina's brothers also live under the same house, with the two brothers falling into the political unrest that unfurls on the streets of Sydney in the form of protests and demonstrations. Acting as a thematic layer to Unspoken is the true story of the Croatian Six; six Croatian-Australian men who were sentenced to 15 years jail in 1981 for a conspiracy to bomb several sites in Sydney.Much of the evidence that was used in the trial of the Croatian Six was fabricated, with the men being set up as part of a sting operation by the Yugoslav foreign intelligence service. The weight of this event sits in the background of Unspoken, with tensions emerging throughout the film between family members, between Croatian-Australians and white Australians, and between girlfriend and boyfriend.Underpinning this tension is that stunning central performance from Kat Dominis who commands the screen with a guiding, lived-in understanding of the weight of her characters lives and the societal and political upheaval they're undergoing. As Marina, Kat presents the conflicted nature of wanting to fit in to a new culture while also trying to navigate the familial heritage of her homelands culture. In this regard, Unspoken becomes a universal story that many migrant families can relate to, especially from the frequently xenophobic landscape of Australian culture and society.These notions, and a lot more, are explored in this expansive interview with Kat Dominis, recorded ahead of Unspoken's screening at the St Kilda Film Festival on 7 June. Unspoken has screened nationally around Australia, and took home the Grand Prix at the Clermont-Ferrand Short Film Festival earlier this year, a rare achievement for an Australian film. Less prestigious, but notable still, is that Unspoken featured in my personal Best Australian Films of 2024 list. It marks the grand arrival of actor-turned-director Damian Walshe-Howling, of producer and co-writer Mariana Rudan, and of course, Kat Dominis as actor, co-writer, and producer. It's a stunning filmic achievement.Follow us on Instagram, Facebook, and Bluesky @thecurbau. We are a completely independent and ad free website that lives on the support of listeners and readers just like you. Visit Patreon.com/thecurbau, where you can support our work from as little as $1 a month. If you are unable to financially support us, then please consider sharing this interview with your podcast loving friends. Hosted on Acast. See acast.com/privacy for more information.

Toyota this week revealed its sixth generation RAV4 SUV due in the firsthalf of 2026. The hybrid only RAV 4 range will introduce Toyota’s first plug-in PHEV powertrain offering a choice of 2WD or 4WD and targeting up to100km of electric-only driving range. The current model with huge pent updemand during the pandemic has been our top-seller in recent years, alsoToyota’s top seller, the company selling more than 500,000 since its arrivalin 1994. Underpinning the new plug-in hybrid system is a 2.5-litre petrolengine combined with a new 22.7kWh high-capacity lithium-ion battery thatwill provide an electric only driving range of up to 100km. Along with theplug-in options, the RAV4 will also come with Toyota’s efficient series-parallel hybrid system in AWD and 2WD configurations. both of whichproduce 143kW combined with excellent fuel economy. I’m David BerthonSee omnystudio.com/listener for privacy information.

Annabel Bishop – Chief economist, Investec SAfm Market Update - Podcasts and live stream

Kee Jefferys and Chris McCabe are the co-founders of Session - an encrypted messaging application which minimises the collection of user metadata. Session is an end-to-end encrypted messenger that protects your personal data. Take back control with a messaging app designed, built, and operated by a global community of privacy experts. Why you should listen Session is a privacy-focused messaging app designed for users who want true anonymity and secure communication—without compromise. Unlike mainstream apps that require phone numbers or email addresses, Session lets users sign up with nothing more than a randomly generated ID. This removes the link between your identity and your conversations. Built on the Oxen privacy network and utilizing onion routing (similar to Tor), Session protects your metadata and ensures your messages are never stored or routed through centralized servers. Beyond its privacy architecture, Session offers a suite of features you'd expect from any modern messenger: encrypted one-on-one and group chats, voice and video calls, file sharing, and disappearing messages. It's cross-platform, open-source, and community-driven. The app runs on a decentralized network powered by incentivized nodes, which enhances resilience against censorship, server failures, and surveillance. Session will launch its token, $SESH, on May 21, 2025. The Token Generation Event (TGE) coincides with the official launch of the new Session Network on mainnet. Session has attracted over one million monthly active users, making it one of the most popular  dApps in crypto. It runs on a purpose-built DePIN network of over 2,000 nodes, enabling a unique feature set that offers total privacy and anonymity. Underpinning the decentralized network is the ecosystem's native token, $SESH, which is used to reward its community for storing and routing Session messages, and keeping the Session Network running smoothly and securely. The maximum token supply of SESH is 240 million, with up to 80 million tokens unlocked at TGE. Over 13 million people have downloaded Session, which is viewed as a vital tool for protecting free speech, including for journalists, activists, and other people working in civil society. Supporting links Stabull Finance Session Session Token Andy on Twitter  Brave New Coin on Twitter Brave New Coin If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are using.

Throughout history, technological revolutions have fundamentally shifted the balance of power in society. The Industrial Revolution created conditions where democracies could dominate for the first time — as nations needed educated, informed, and empowered citizens to deploy advanced technologies and remain competitive.Unfortunately, there's every reason to think artificial general intelligence (AGI) will reverse that trend.In a new paper, Tom Davidson — senior research fellow at the Forethought Centre for AI Strategy — argues that advanced AI systems will enable unprecedented power grabs by tiny groups of people, primarily by removing the need for other human beings to participate.These highlights are from episode #215 of The 80,000 Hours Podcast: Tom Davidson on how AI-enabled coups could allow a tiny group to seize power, and include:"No person rules alone" — except now they might (00:00:13)The 3 threat scenarios (00:06:17)Underpinning all 3 threats: Secret AI loyalties (00:10:15)Is this common sense or far-fetched? (00:13:46)How to automate a military coup (00:17:41)If you took over the US, could you take over the whole world? (00:22:44)Secret loyalties all the way down (00:26:27)Is it important to have more than one powerful AI country? (00:29:59)What transparency actually looks like (00:33:08)These aren't necessarily the most important or even most entertaining parts of the interview — so if you enjoy this, we strongly recommend checking out the full episode!And if you're finding these highlights episodes valuable, please let us know by emailing podcast@80000hours.org.Highlights put together by Ben Cordell, Milo McGuire, and Dominic Armstrong

Throughout history, technological revolutions have fundamentally shifted the balance of power in society. The Industrial Revolution created conditions where democracies could flourish for the first time — as nations needed educated, informed, and empowered citizens to deploy advanced technologies and remain competitive.Unfortunately there's every reason to think artificial general intelligence (AGI) will reverse that trend. Today's guest — Tom Davidson of the Forethought Centre for AI Strategy — claims in a new paper published today that advanced AI enables power grabs by small groups, by removing the need for widespread human participation. Links to learn more, video, highlights, and full transcript. https://80k.info/tdAlso: come work with us on the 80,000 Hours podcast team! https://80k.info/workThere are a few routes by which small groups might seize power:Military coups: Though rare in established democracies due to citizen/soldier resistance, future AI-controlled militaries may lack such constraints. Self-built hard power: History suggests maybe only 10,000 obedient military drones could seize power.Autocratisation: Leaders using millions of loyal AI workers, while denying others access, could remove democratic checks and balances.Tom explains several reasons why AI systems might follow a tyrant's orders:They might be programmed to obey the top of the chain of command, with no checks on that power.Systems could contain "secret loyalties" inserted during development.Superior cyber capabilities could allow small groups to control AI-operated military infrastructure.Host Rob Wiblin and Tom discuss all this plus potential countermeasures.Chapters:Cold open (00:00:00)A major update on the show (00:00:55)How AI enables tiny groups to seize power (00:06:24)The 3 different threats (00:07:42)Is this common sense or far-fetched? (00:08:51)“No person rules alone.” Except now they might. (00:11:48)Underpinning all 3 threats: Secret AI loyalties (00:17:46)Key risk factors (00:25:38)Preventing secret loyalties in a nutshell (00:27:12)Are human power grabs more plausible than 'rogue AI'? (00:29:32)If you took over the US, could you take over the whole world? (00:38:11)Will this make it impossible to escape autocracy? (00:42:20)Threat 1: AI-enabled military coups (00:46:19)Will we sleepwalk into an AI military coup? (00:56:23)Could AIs be more coup-resistant than humans? (01:02:28)Threat 2: Autocratisation (01:05:22)Will AGI be super-persuasive? (01:15:32)Threat 3: Self-built hard power (01:17:56)Can you stage a coup with 10,000 drones? (01:25:42)That sounds a lot like sci-fi... is it credible? (01:27:49)Will we foresee and prevent all this? (01:32:08)Are people psychologically willing to do coups? (01:33:34)Will a balance of power between AIs prevent this? (01:37:39)Will whistleblowers or internal mistrust prevent coups? (01:39:55)Would other countries step in? (01:46:03)Will rogue AI preempt a human power grab? (01:48:30)The best reasons not to worry (01:51:05)How likely is this in the US? (01:53:23)Is a small group seizing power really so bad? (02:00:47)Countermeasure 1: Block internal misuse (02:04:19)Countermeasure 2: Cybersecurity (02:14:02)Countermeasure 3: Model spec transparency (02:16:11)Countermeasure 4: Sharing AI access broadly (02:25:23)Is it more dangerous to concentrate or share AGI? (02:30:13)Is it important to have more than one powerful AI country? (02:32:56)In defence of open sourcing AI models (02:35:59)2 ways to stop secret AI loyalties (02:43:34)Preventing AI-enabled military coups in particular (02:56:20)How listeners can help (03:01:59)How to help if you work at an AI company (03:05:49)The power ML researchers still have, for now (03:09:53)How to help if you're an elected leader (03:13:14)Rob's outro (03:19:05)This episode was originally recorded on January 20, 2025.Video editing: Simon MonsourAudio engineering: Ben Cordell, Milo McGuire, Simon Monsour, and Dominic ArmstrongCamera operator: Jeremy ChevillotteTranscriptions and web: Katy Moore

Interview with Michael Hodgson, CEO of Serabi Gold PLCOur previous interview: https://www.cruxinvestor.com/posts/serabi-gold-lsesrb-38000-oz-gold-production-by-year-end-with-expansion-upside-6452Recording date: 11th April 2025Serabi Gold has kicked off 2025 with impressive momentum, delivering 10,013 ounces of gold production in Q1 – maintaining the strong rhythm established in Q4 2024 and exceeding budget expectations by approximately 800 ounces. The company is firmly on track to meet its 2025 production guidance of 44,000 - 47,000 ounces, with quarterly production expected to increase throughout the year, reaching 12,000 - 13,000 ounces by Q4.The financial transformation of Serabi over the past year has been remarkable. Cash reserves grew from just $5 million in Q1 2024 to $22.2 million by year-end, and have further increased to approximately $27 million following Q1 2025 results. This substantial improvement stems from both operational excellence and favorable market conditions, with high gold prices and a beneficial Brazilian Real exchange rate creating what CEO Michael Hodgson describes as "a great time to be a Brazilian gold producer."Serabi's growth trajectory is clearly defined, with production expected to increase from the current 44,000 - 47,000 ounces in 2025 to 60,000 ounces in 2026. The company has even more ambitious plans beyond this, with a goal of reaching 70,000-75,000 ounces in 2027 and potentially 100,000 ounces by 2028. Notably, management believes this growth can be funded entirely from operating cash flow, avoiding dilution to existing shareholders.Underpinning this growth strategy is a significant $10 million investment in brownfield exploration, split equally between the Palito and Coringa operations. This program aims to expand the current resource base from 1 million ounces to at least 1.5 million ounces, and potentially up to 2 million ounces. Recent drilling at São Domingos has already yielded promising results, with early estimates suggesting a resource of around 100,000 ounces at impressive grades of 10-12 grams per ton.Serabi is implementing an innovative hub-and-spoke model, where satellite operations employ crushing and ore-sorting technology to produce high-grade pre-concentrates that are then transported to the central Palito processing facility. This approach maximizes processing efficiency and enables increased production without major plant expansions.With substantial free cash flow generation expected to continue throughout 2025, management is actively considering mechanisms for shareholder returns, including dividends and share buybacks. As Hodgson stated, "We know we can't sit on this amount of cash. That's the bottom line."For investors seeking exposure to gold with strong growth prospects and potential shareholder returns, Serabi Gold presents a compelling opportunity. The combination of increasing production, expanding resources, innovative processing technology, and robust cash generation creates a foundation for both capital appreciation and potential income in a favorable gold price environment.—Learn more: https://cruxinvestor.com/companies/serabi-goldSign up for Crux Investor: https://cruxinvestor.com

Let us know how we're doing - text us feedback or thoughts on episode contentPending regulations are reshaping the sustainability reporting world, with the Corporate Sustainability Reporting Directive (CSRD) starting to require European companies to report this year.Underpinning these reporting disclosures is something called a Double Materiality Assessment (DBA). In this episode, Paul digs into what is included in a DBA, how it differs from a company's current non-financial disclosures, and what companies should be doing to prepare for these reporting requirements. Even US based companies who may have to start reporting as soon as 2028.For more research:Corporate Sustainability Reporting Directive (CSRD) - European CommissionFollow Paul on LinkedIn.

The public often imagines corporations as self-contained actors that provide a set of goods and services to consumers. Underpinning this image have been ideas of ownership, rights to capital and intellectual property, and corporate responsibility to stakeholders including consumers, workers, and shareholders. But what if almost everything we are told about the essence of the firm is wrong? So writes Sir John Kay, a British economist, corporate director, and longstanding fellow of St John's College (Oxford) in his new book, The Corporation in the 21st Century.The book revolves around contrasts between historical conceptions of corporations, capitalism, and contemporary practices. Kay writes, “A central thesis of [this] book is that business has evolved, but the language that is widely used to describe business has not.” In the 19th and 20th centuries, firms could be defined in terms of their control over material forms of productive capital (factories, steel foundries, railways, etc.) Socioeconomic critiques of capitalism, most prominently from Karl Marx, often centered on firms' control of the means of production. Kay contends that firms today access productive capital as a service. For example, Amazon does not own its warehouses but rents them from another firm. Kay writes that today's corporations and capitalism “[have] very little to do with ‘capital' and nothing whatsoever to do with any struggle between capitalists and workers to control the means of production.”Kay joins Luigi and Bethany to discuss the implications of this evolution in firms' relation to capital: Why is it important to capitalism that its biggest firms no longer own their means of production? Why does the language used to describe this matter? What do Apple's manufacturing facilities, Amazon's warehouses, and TikTok's algorithms tell us about our notions of business ownership? How have these changes to capitalism redefined the struggle between the owners of capital, managers, workers, and consumers? In the process, Kay, Luigi, and Bethany explore the failures of capitalism and imagine what could and should be the purpose of the 21st-century corporation.Show Notes:Read an excerpt from the book (published by Yale University Press) on ProMarketIn Bethany and Luigi's closing discussion of Kay's book, Luigi cites several articles he has published on the topic, which we have linked below for the listener's reference. In this past scholarship, Luigi studies how a firm and its operations often intertwine with other firms to form an ecosystem, and it is only through this ecosystem that value is created. Apple and Foxconn provide one example. Legally, they are distinct firms, yet Luigi contends they can be understood as elements of an ecosystem that creates value. Hence, it is sometimes productive to think beyond legal boundaries to consider how multiple firms may compose such a value-creating ecosystem in practice. Within the Apple/Foxconn ecosystem, Apple has a significant influence in dictating terms for Foxconn. Further, if Apple has such dominating power over its suppliers, then Apple could be said to have market power that raises antitrust concerns, which are less obvious if we take the legal boundaries of firms as the correct method of conceptualizing them.Zingales, L., 2000. In search of new foundations. The Journal of Finance, 55(4), pp.1623-1653.Rajan, R.G. and Zingales, L., 1998. Power in a Theory of the Firm. The Quarterly Journal of Economics, 113(2), pp.387-432.Rajan, R.G. and Zingales, L., 2001. The firm as a dedicated hierarchy: A theory of the origins and growth of firms. The Quarterly Journal of Economics, 116(3), pp.805-851.Zingales, L. (1998) Corporate Governance. In: Newman, P., Ed., The New Palgrave Dictionary of Economics and the Law, Palgrave Macmillan, London.Lancieri, F., Posner, E.A. and Zingales, L., 2023. The Political Economy of the Decline of Antitrust Enforcement in the United States. Antitrust Law Journal, 85(2), pp.441-519.

Interview with Arturo Préstamo Elizondo, Executive Chairman & CEO of Santacruz Silver Mining Ltd.Our previous interview: https://www.cruxinvestor.com/posts/santacruz-silver-mining-tsxvscz-stabilising-silver-production-to-bolster-balance-sheet-3925Recording date: 27th November 2024Santacruz Silver Mining (TSXV:SCZ) is hitting its stride after a transformational year that has significantly bolstered the company's financial position and growth prospects. The Bolivia and Mexico-focused silver producer delivered strong Q3 2024 results with $78M in revenue and $16M in EBITDA. More importantly, Santacruz has emerge from a multi-year restructuring effort with a much cleaner balance sheet and ample liquidity to fund organic growth.The key development was a successful renegotiation of Santacruz's agreement with senior partner Glencore. By amending the terms, Santacruz eliminated $8M in annual royalty payments and pushed out the maturity on $40M of debt to late 2025. This, combined with improved operations, has enabled Santacruz to generate meaningful free cash flow, with $20M in cash as of Q3.Management is taking a two-pronged approach to driving shareholder returns: reducing costs at existing mines while advancing low-capex, high-impact growth projects. A focus on optimizing ore blending, modernizing equipment and leveraging synergies between mines is starting to bear fruit, with all-in sustaining costs trending lower. CEO Arturo Préstamo Elizondo sees further opportunities to boost efficiency, stating "We're doing works and having initiatives across all our mines to achieve better production and lower costs."On the growth front, the flagship organic project is restarting the past-producing Soracaya mine in Bolivia. Originally built to produce 4Moz silver annually, Soracaya is essentially turnkey and can be brought online within a year for minimal capital. Santacruz is also building a new mill at San Lucas to double output to 4Moz silver equivalent by bringing processing in-house. Together these two projects provide a clear path to 25%+ production growth over the next 2-3 years.Underpinning the Santacruz investment case is a bullish outlook for silver prices. While up substantially since 2020, Prestamo sees $20/oz as "a solid floor" based on strong industrial demand growth. "More and more uses are coming for silver, not only solar panels but for environmental and pharmaceutical use. Unlike gold, silver is used up, so you always need new ounces," he explained. Higher silver prices would amplify the impact of Santacruz's operational improvements and growth initiatives.In summary, Santacruz offers investors a compelling turnaround story with multiple ways to win. With its balance sheet derisked, costs falling and production poised to climb, the company is well positioned to deliver outsized returns going forward. If management and the entire operations can execute, Santacruz has the potential to be a standout performer in a rising silver price environment.View Santacruz Mining's company profile: https://www.cruxinvestor.com/companies/santacruz-silver-miningSign up for Crux Investor: https://cruxinvestor.com

One of the government market's most-anticipated transactions closed on Sept. 30 when what we can call “Old Amentum” joined forces with Jacobs' federal-facing units.This episode sees Steve Arnette, chief operating officer at what we can now call “New Amentum,” take our Ross Wilkers through all that went into putting this larger company together and where everyone wants to go from here.Underpinning this new version of Amentum's vision and goals is what it calls a “technology-enabled growth strategy.” Arnette walks through that very strategy, how it applies to the company's priority markets and what all of this means for Amentum's 53,000 employees around the world.

In this episode of Brown Girl Guilt, host Harpo sits down with her mentor Anoop Gill, a fellow brown woman pursuing Executive leadership. They chat about being racialized women in positions of leadership, the transition from girlhood to womanhood, and the roots of competition amongst brown girls in the Punjabi community. Underpinning the episode is the modelling of two brown women who love each other, uplift one another, and actually show up for each other. Produced by Harpo Edited by Simran Dale

Of all the concepts focused on throughout the discussions hosted on the Alpha Exchange, the notion of “carry” is one of my favorites. In its most basic definition, carry measures the income or cost to holding an asset in the steady state, when nothing changes. Underpinning the assessment of value in any option trade or strategy is a view on the favorability of carry at a given point in time. Can I own options for free or at least at meaningful discounts to their value? Mr. Market makes this very unlikely.  Can I be especially well compensated for being short optionality? These are challenging questions, worthy of careful study. And in this context, it was a pleasure to welcome Shailesh Gupta, the Head of Structural Alpha at Simplify Asset Management to the podcast. Our conversation explores areas of carry in the market, why they exist, how they can be harvested and what can go wrong in the process. Shailesh shares his views on the pricing of interest rate volatility, where the vol risk premium has been especially high and how that fits into product design at his firm's ETF platform. We talk also about risk – including the crowding episode in VIX products in 2017 leading into the XIV event of 2018. I hope you enjoy this episode of the Alpha Exchange, my conversation with Shailesh Gupta.

Hour 1 Audio from WGIG-AM and FM in Brunswick, GA

A few days ago, a fellow Sane Spacer had several comments on one of our YouTube videos nuked for the mere mention of the name "Sam Francis." We break down the real reason the regime and its thought/speech police are so threatened by Francis, and discuss the obvious double standard at play when they express outrage over their fake excuse for why he's censored while ignoring the very same behavior on the part of their favored classes/people. We also discuss Kamala Harris's recent comments about free speech being a "privilege" and wanting to rein in Elon Musk and X because they've "abused that privilege," and what this means for all of us if she's allowed to assume the position of Empress Kackles. Show Notes: The Fake Reason They Hate/Censor Sam Francis: https://charlestoncitypaper.com/2010/04/14/the-problem-with-sam-francis/    The Real Reason: Francis conceived of politics primarily in terms of power. He argued that a managerial class—bureaucrats whose dominance of technical knowledge and jargon gave them the keys to powerful organizations, corporations, and ultimately the state—had seized power since the Progressive Era. According to Francis, the managerial regime set forth a liberal ideology to justify and reinforce their dominance and corrode right-wing institutions. Underpinning the managerial regime, Francis thought, was an alliance between regime elites and an underclass paid off by the state with wealth robbed from the middle.   Francis wrote these words decades ago. As we sit here today with a near permanent bureaucracy, that none of us ever have or will get to vote for, which is the primary ruler of every minute detail of our lives as made evident by the fact that despite changing elected parties/politicians, government policy only ever moves in the direction of increasing state power while acting in direct contradiction to the interests of the electorate, it should be clear to any rational/objective observer that Francis was more prophet than pariah on this point. Those wielding this power hate Francis for forbidden thoughts like these, but unwilling or unable to refute them, they fall back on the tried and true "racism!" refrain, in the hopes you'll ignore the entirety of his thought just because he held other uncomfortable views.   Kamala Harris Thinks Free Speech is a "Privilege" and Wants X Shut Down: https://x.com/DrJBhattacharya/status/1830834552883060909?t=u1dKoy63dEYl01tD32jE5A&s=19  **SUPPORT THE PODCAST HERE** Become a Member: https://wmdpodcast.com/support-our-work  BUY MERCH (shirts, hats, hoodies, mugs, even welcome mats!): https://ee48ce-3.myshopify.com  BITCOIN WALLET ADDRESS: bc1qsx4qh6wqkmwac25rydfn8nhg4nrwrcx93fmjz4  CHECK OUT WMD ELSEWHERE: X: https://twitter.com/WMDpod  Facebook: https://www.facebook.cm/groups/566957281384509  Odysee: https://odysee.com/@WeaponsOfMemeDestruction:7  Rumble: https://rumble.com/user/WMDPodcast 

Exploring three common protective myths people use to cope with life's uncertainties. How these myths, while intended to provide comfort, often amplify the very isolation and fear we want to avoid, and rarely help us as much as we think they will. How we might come to examine our own protective stories, opening the possibility of softening them so we can remember our inherent qualities, such as creativity and courage, especially in challenging moments, engage more authentically with life and cultivate deeper connections with others. Hosted, as always, by Lizzie Winn and Justin Wise of Thirdspace. Join Our Weekly Mailing: www.turningtowards.life/subscribe Support Us: www.buymeacoffee.com/turningtowardslife Turning Towards Life, a week-by-week conversation inviting us deeply into our lives, is a live 30 minute conversation hosted by Justin Wise and Lizzie Winn of Thirdspace.  Find us on FaceBook to watch live and join in the lively conversation on this episode. You can find videos of every episode, and more about the project on the Turning Towards Life website, and you can also watch and listen on Instagram, YouTube, and as a podcast on Apple, Google, Amazon Music and Spotify. Here's our source for this week: Myths That Keep Us From Our Lives At the times when the world has shrunk to its smallest horizons, when I have felt most despairing, desperate, or alone, or when I have found myself working and pushing much too hard, it usually turns out that I have been living in thrall to one or more protective myths about life that rarely help as much as I imagine. Myth 1 – I'm not like other people I'm not really a person, but other people are. Others' lives are complete in ways that mine is not. Other people know where they're going, while I am lost. Other people made the right choices, while I stumbled. Other people aren't as confused as I am. Other people don't suffer as I do. Underpinning this myth is a great deal of negative self-judgement, which fuels a sense of deflation, self-diminishment or self-pity. But it can equally be worn as a mask of grandiosity, in which I puff myself up with certainty and arrogance. Sometimes I bounce between the two poles, from deflation to grandiosity and back again. This is the myth of specialness. It boosts our self esteem by giving us a reason for all the difficulty we're experiencing. And protects us from feeling the suffering of others by keeping us at a distance from everyone and everything. Myth 2 – Death has nothing to do with me Somehow I'm separate enough from the real world that death is not an issue for me in the way it is for others. It's frightening but far-off, a rumour, something that happens to other people. Consequently, I need pay it little real attention. I can ignore what my body tells me, and what my heart tells me. I'm protected from seeing that my time is finite and that I have to decide in which relationship to life I wish to stand. This is the myth of no consequence. It saves us from the burden of having to choose, or face the uncertainty of our choices in a world in which choices matter because our time is limited. Myth 3 – A saviour is coming If I'm good enough, popular enough, loved enough, successful enough, recognised enough, powerful enough, rich enough, famous enough, caring enough… then I'll be saved. Someone – one of the grown-ups in the world – will see me and, recognising my goodness, rescue me from my troubles And then I won't have to face them any more. This keeps me working really hard. Sometimes it has me try to save others in the very same way that I am desperate to be saved. This is the myth of dependency. By rendering us helpless it keeps us from taking on the full responsibility (and possibility) of our own adulthood. — I know these are not myths I carry alone. We cling onto these myths because, as well keeping us at a seemingly safe distance from our lives, we're afraid that if we face the true situation of our lives then our troubles will be magnified. But, as with any turning away from the truth, they come at an enormous cost. In particular they keep both our dependency and our hopelessness going. When we can learn to see them and begin through them, we give ourselves the opportunity for a much more direct, unmediated contact with our lives and with others. We might begin to discover deep sources of hope, courage and compassion which which we had been out of touch. And as we allow ourselves to step out of hiding and into relationship, we might discover that our capacity to help others – and to be helped by them in return – is greater than we could have imagined. Writing and Photo by Justin Wise

Marie Quigley approaches coaching in much the same way as she does her passion for global travel: with curiosity, openness and an unquenchable desire to explore.As a Master Certified Coach who has trained with the likes of Brené Brown, Marie can draw upon a wealth of experience and expertise. In this episode of The Coach's Journey Podcast she describes the mindsets and skills that have helped her achieve success as a coach, as a co-founder of coach-training business Empower World, and as co-host of her company's podcast.Underpinning all of her achievements are the values and wisdom she gained through life-changing moments while travelling the world, and she shares some of the stories that instilled in her a commitment to live in fulfillment – and help her clients do the same.Marie believes that we have something to learn from everyone, and she reflects on the profound learning opportunities that arise when our coaching clients trust us enough to allow us into their inner worlds.In this episode, Marie and host Alex Swallow also talk about:How to distinguish between what our clients want and what we want for them The changing mirrors we present to others as we learn, develop and growContracting with clients and how to agree upon ways of working that lead to strong coaching relationshipsDaring Leadership and Marie's experience of training with Brené BrownThe different approaches required to develop as a coach and to grow your businessMarie also shares remarkable techniques she uses in coaching sessions that build attunement through bodily communications and deep listening.

(Conversation recorded on May 7th, 2024)   Show Summary:  In contrast to ‘The Great Simplification', some might call the events of the last few hundred years a ‘Great Complexification' in terms of relationships, governance, supply chains, and many other human activities. Today's conversation with economics journalist Ed Conway focuses on the six essential resources that underpin our modern economies –  sand, salt, iron, copper, oil, and lithium - and dives into the (often unseen) environmental and human costs of extracting them, as well as the surprisingly fragile global supply chains they fuel. In order to understand what possibilities – and dangers – may await us in the future, we need to understand the realities and constraints of the present, as well as the fail points of the past. What does it take to mine, refine, and transform the materials that are foundational to the world around us - which many of us now take for granted? How can we ensure the stability of global supply chains, and could we predict potential disruptions and chokepoints before they arise? If we understood the intricate web of complexity, energy, and resources that go into everything we consume, would it change our expectations for how much we need in order to live a good and fulfilling life? About Ed Conway: Ed Conway is a writer and broadcaster. He is the Economics and Data Editor of Sky News and has written for many newspapers and publications, including the New York Times, the Times of London and the New Statesman. His latest book, Material World, was an Economist and Sunday Times Book of the Year and was shortlisted for the 2023 FT Business Book of the Year Award. He has also written two other critically acclaimed and bestselling books and has won numerous awards for his journalism. He was educated at Oxford and Harvard. He lives in London.   For Show Notes and More visit:  https://www.thegreatsimplification.com/episode/127-ed-conway To watch this video episode on Youtube → https://youtu.be/4C2-tWcFKfQ  

In this episode we talk with Tasha Singh a design student from Drexel University. Tasha's design philosophy centers around fostering social connection and a sense of community through the built environment. Her experiences moving from the close-knit neighborhoods of India tot he more individualistic society of Philadelphia have profoundly shaped her approach. Tasha aims to blur the lines between public and private spaces, creating a "porosity" that encourages casual interactions and chance encounters.Underpinning her work is a deep belief that design should serve those who are often overlooked or forgotten. Tasha advocates for designing with empathy and considering how even the most marginalized might engage with and benefit from the spaces we create.Tasha even touches on a crucial point: the need for designers to slow down, be present, and truly experience how environments impact people's sense of belonging and wellbeing. Tasha's mission is to contribute designs that knit together communities while elevating the voices of the unseen. Follow Doug on LinkedIn.Click here to get your copy of Doug's children's book—Design Your World.Follow Imagine a Place on LinkedIn.

How can Chief Information Security Officers (CISOs) transcend traditional boundaries to become enablers of business success and innovation? Join me on Tech Talks Daily as I sit down with Jim Doggett, CISO of Semperis and a veteran in the field of cybersecurity, to delve into this pressing question. With over three decades of experience in leading cybersecurity and risk programs across global organizations, Jim brings a wealth of knowledge and a unique perspective on the evolving role of CISOs in today's business environment. In our conversation, we will explore the transformation of the CISO role from a technical doer to a visionary leader who not only protects the digital assets of a company but also drives business growth by leveraging digital infrastructure. Jim will share his insights on the importance of balancing security measures with business enablement, emphasizing the concept of "rarely saying no" but rather offering alternative solutions that align with the company's objectives. We'll also discuss the critical role of resiliency in the face of threats like ransomware, the significance of maintaining a focus on security basics amidst the allure of new technologies, and the growing importance of identity and behavioral analysis as the digital perimeter continues to dissolve. Furthermore, Jim will offer practical advice on gaining leadership buy-in by framing security in terms of business risk and impact, thereby fostering a culture of security that supports business continuity and profitability. Underpinning our discussion will be Jim's perspective on leadership versus management, the necessity for CISOs to redefine what's believed to be possible, and the strategic approach to deploying digital infrastructure in a way that not only secures the business but also drives revenue and sustainable growth. How can CISOs navigate the complex interplay between security, innovation, and business strategy to redefine their role and contribute to the overall success of their organizations? Tune in to this enlightening episode of Tech Talks Daily, and let's unravel the future of cybersecurity leadership together. Share your thoughts with us on social media or drop us an email—what do you believe is the key to transforming the role of the CISO in today's business world?

Hey Team!I've got an exciting interview today that I've been hoping to do for a while now.Dr. Roberto Olivardia is a clinical psychologist and a lecturer in the Department of Psychiatry at Harvard Medical School. He specializes in the treatment of ADHD and within the field of ADHD, he further specializes in comorbid disorders, such as OCD, bipolar disorder, eating disorders, and body dysmorphic disorder.However, in true ADHD, fashion during our pre-interview chat we decided to switch the direction of the podcast to instead deal with sleep. In our conversation we talk about Dr. Olivardia's own issues with sleep and how sleep is just one of those issues that seems to plague everyone with ADHD. We get into some of what underpins ADHD sleep issues and some of the things that we can do to try and get ourselves a good night's sleep.I had a blast recording this and I hope you enjoy just as much as I did.Sign up for my Newsletter Any And All DistractionsFeel free to ask me a question on my Contact PageFind the full show note at HackingYourADHD.com/175This Episode's Top Tips Establish a pre-sleep routine that signals to your brain that it's time for bed. This might include changing into comfortable sleepwear, dimming the lights, and engaging in a relaxing activity like reading or listening to music. Or, as was the case for Dr. Olivardia, going and getting a workout in. Remember that sometimes to calm your ADHD brain down, you need a bit more stimulation.Underpinning that last point again, not everything that is typically recommended for getting a good night's sleep always works for our ADHD. It's important to experiment with different techniques to see what works and doesn't work for you.If sleep problems persist despite your best efforts it's always good to consider consulting with a sleep specialist. We often don't know what we don't know when it comes to sleep and a specialist can help identify any underlying issues and recommend additional treatments.

Today's show is the final segment in our mini-series on business planning. Earlier this week we talked about the company mission, the ten year and three year plan, the one year plan and the quarterly plan. We then talked about how we then translate the quarterly plan into weekly execution of our goals and objectives.  If this sounds like a lot of work, it really is.  Underpinning all of this is attracting the right people into the right roles in the organization. When a company is small, and even in situations in large companies, we often see people performing tasks that are not leveraging their inherent strengths. In some cases, people are playing way out of position and performing tasks that they really are not well suited to.  It's always possible for people to grow within a role. But at best you will turn a weakness into a competency.  To make sure we match people's strengths and engaging their energy and motivation, we really need to look at what people are doing in their roles and adjust the resource allocation of work. This exercise identifies the gaps in the organization and plans our next hires.  We use a four quadrant classification called elevate and delegate. ----------- Host: Victor Menasce email: podcast@victorjm.com

On today's show we are covering the fourth segment in our mini-series on business planning. On Monday's show we talked about the company mission. We then spoke about the ten year and the three year plan. On yesterday's show we spoke about the one year plan. Today we're talking about the plan for the coming quarter.  This is where the rubber meets the road between the plan and the execution. Underpinning our process is the business planning process from several business books. The Book Traction by Gino Wickman. We use the Entrepreneurial Operating System (EOS), which is a set of practical tools and concepts outlined in Wickman's book to help businesses achieve their vision and goals.  The second book is the Four Disciplines of Execution, written by Steven Covey's son Sean Covey.

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  Training Course BSOC: https://swiftsilentdeadly.com/upcoming-training-blackside...   Buy Rich's Book, "On Violence and Varietals" (Use Discount Code: "AWS") https://www.therichbrown.com   Listen to the American Warrior Show: https://americanwarriorshow.com/index.html   Today we will sit down with Todd Fox. Todd is a former Marine, Law Enforcement Officer, BJJ black belt, Executive Protection Specialist and Author. After leaving the Marines, he began his career in EP (Executive Protection). Todd has operated around the world providing security and protection to some of the most recognizable names in the music and movie industry including Guy Ritchie, Madonna, Motley Crue, and Tool among many, many others. We will have a little coffee, as we discuss his experience in the Marines, law enforcement, EP work, and BJJ. We will also discuss how you can protect yourself and your loved ones, as well as where our society and nation are headed. Do not miss this live stream! Todd Fox: http://tourprotection.com/home.html SWAG: https://shop.americanwarriorsociety.com/ American Warrior Society please visit: https://americanwarriorsociety.com/