Podcasts about aep

How was your AEP? What worked? What didn't? Let's talk about it!You can download your copy of the results here:https://xpressomedia.com/library

Our Thematic and Equity Strategist Michelle Weaver and Power, Utilities, and Clean Tech Analyst David Arcaro discuss how investments in AI data centers are affecting electricity bills for U.S. consumers.Read more insights from Morgan Stanley.----- Transcript -----Michelle Weaver: Welcome to Thoughts on the Market. I'm Michelle Weaver, Morgan Stanley's U.S. Thematic and Equity Strategist.David Arcaro: And I'm Dave Arcaro, U.S. Power, Utilities, and Clean Tech Analyst.Michelle Weaver: Today, a hot topic. Are data centers' raising your electricity bills?It's Tuesday, December 23rd at 10am in New York.Most of us have probably noticed our electricity bills have been creeping up. And it's putting pressure on U.S. consumers, especially with higher prices and paychecks not keeping pace. More and more people are pointing to data centers as the reason behind these rising costs, but the story isn't that simple.Regional differences, shifting policies and local utility responses are all at play here. Dave, there's no doubt that data centers are becoming a much bigger part of the story when it comes to U.S. electricity demand. For listeners who might not follow these numbers every day, could you break down how data centers' share of overall electricity use is expected to grow over the next 10 years? And what does that mean for the grid and for the average consumer?David Arcaro: Definitely they're becoming much bigger, much more important and more impactful across the industry in a big way. Data centers were 6 percent of total electricity consumption in the U.S. last year. We're actually forecasting that to triple to 18 percent by 2030, and then hit 20 percent in the early 2030s. So very strong growth, and increasing proportion of the overall utility, electricity use.In aggregate, this is reflecting about 150 gigawatts of new data centers by 2030. Just a very large amount. And this is going to cause a major strain on the electric grid and is going to require substantial build out and upgrading of the transmission system along with construction of new power generation – like gas plants and large-scale renewables, wind, solar, and battery storage across the entire U.S.And generally, when we see utilities investing in additional infrastructure, they need to get that cost recovered. We would typically expect that to lead to higher electric rates for consumers. That's the overall pressure that we're facing right now on the system, from all these data centers coming in.We've got these substantial infrastructure needs. That means utilities will need to charge higher prices to consumers to cover the cost of those investments.Michelle Weaver: What are the main challenges utilities companies face in meeting this rising demand from data centers?David Arcaro: There are a number of challenges. If I were to pick a few of the biggest ones that I see, I think managing affordability is one of the biggest challenges the industry faces right now, because this overall data center growth is absolutely a shock to their business, and it needs to be managed carefully given the political and regulatory challenges that can arise when customer bills are getting are escalating faster than expected. The utility industry faces scrutiny and constant attention from a political and regulatory standpoint, so it's a balance that has to be very carefully managed. There are also reliability challenges that are important.Utilities have to keep the lights on, you know, that's priority number one. The demand for electricity is growing much faster than the supply of new generation that we're seeing; new power plants just aren't being built fast enough. New transmission assets are not being built, as quickly as the data centers are coming on. So, in many areas we're seeing that leads to essentially less of a buffer, and more risk of outages during periods of extreme weather.Michelle Weaver: And you mentioned, companies are thinking about how can they insulate consumers. Can you take us through some of the specifics of what these utility companies are doing? And what regulators are doing to respond, to protect existing customers from rate increases driven by data centers?David Arcaro: Definitely. The industry is getting creative and trying to be proactive in addressing this issue. Many utilities, we're seeing them isolate data centers and charge them higher electric rates, specifically for those data center customers to try to cover all of the grid costs that are attributable to the data center's needs.A couple examples. In Indiana, we're seeing that there's a utility there who's building new power plants, specifically for a very large data center that's coming into the state and they're ring fencing it. They're only charging the data center itself for those costs of the power plants. In Georgia, a utility there is charging a higher rate for the data centers that are coming in to the Atlanta area – such that it actually more than covers the costs and compensates other consumers in the form of bill credits or even bill reductions as those data centers come on.Similarly, then, in Pennsylvania, there's a utility that has excess transmission infrastructure than the state's [infrastructure]. They're better able to absorb data center activity. They're able to lower customer bills as the data centers come on, as they spread their costs over a larger customer base in that case. So, this isn't universal though. There are some areas around the country where there are costs related to data center growth that get socialized across all consumers.One approach I also wanted to mention that we're seeing data centers pursue more and more actively is to power themselves. Essentially bring their own power, and they're using gas turbines, engines, and fuel cells that they're deploying right on site. This is actually in many cases faster than connecting to the grid, but it also avoids any consumer impact. Companies like Solaris Energy and Bloom Energy are two providers of that type of solution. And we're also seeing at a broader industry level. Another approach is the idea of data centers being flexible or turning off and not consuming power from the grid at certain times when the grid is facing stress, in an extreme weather scenario in the winter or summer. And that idea is gaining traction as well. So, we think the industry is looking for approaches that could ease the pressure on the system and on reliability, manage the affordability issues while continuing to enable and build data centers.Michelle Weaver: You mentioned what a few different states are doing on this front. But data centers are not evenly distributed through states or evenly distributed across regions. Are there regional differences in how data center growth is impacting electricity prices?David Arcaro: There are a couple of key differences that we're seeing around the country. Some areas just aren't getting that many data centers, you know, so I'd point out the northeast – in New England, in New York, we're just not seeing that much data center growth. So, it's less of an issue, the impact of data center power demand impacting customer bills in those areas. And then in some regions around the country, the utility structure is important to be aware of. There are some regions where the price of electricity fluctuates based on the supply and demand of power, rather than being directly set and controlled by a regulator. In those markets, data centers can actually more directly impact the price of electricity and there just isn't an easy way in that case to ring fence them and protect consumers from the impact of price increases.So that's where we think unique challenges can arise. And over time, we would expect to see the most meaningful rate impacts to consumers in those areas specifically. And examples would be New Jersey, Maryland, Illinois, Pennsylvania, Ohio. Those are a couple of the states where we're seeing those more volatile and directly impacted prices.So, as we look at utilities, we think the state exposure is going to be more and more important. And so, a few companies like NextEra, Sempra and AEP are a few utilities that are in states that have less affordability concerns and less direct exposure to rate impacts from data centers. And then several power companies like Vistra and Talen have more of their power plants that are in states that have excess infrastructure; and as a result, potentially less affordability concerns.So, clearly the energy sector is facing real challenges and changes. So, Michelle, how are rising electricity bills actually affecting U.S. households?Michelle Weaver: It's putting even more pressure on a consumer that's already being stretched thin by multiple years of inflation and elevated price levels, and electricity is a really different type of good. It's very different from gasoline or other consumer goods or staples – in that it's an essential good. You need to have it. And it's a network service that households are structurally locked into. Unlike gas where you could adjust your trip frequency or take a different type of transport, there really aren't good substitutes for electricity.And so this dynamic weighs on consumers. They have to continue paying these bills, and it weighs particularly heavily on lower income consumers where utility bills make up a much larger portion of their household budget.So, it crowds out some of that other potential spending.David Arcaro: That makes a lot of sense. It's an important expense to consider in terms of the impact on consumers. And, you know, as a result, are consumers blaming data center electricity demand for this rise that we're seeing in bills or are they pushing back?Michelle Weaver: Yeah. Data center development is quickly becoming a NIMBY or “not in my backyard” issue with communities pushing back and even getting projects canceled. Companies really need to find ways to address local concerns about environmental and water related externalities. And message that they're able to insulate consumers, or do something to mitigate these potentially higher electricity bills.A recent poll of around 2200 voters found that just over half of respondents attribute overall electricity price increases to AI data centers, at least somewhat. While around another third, consider them very responsible. And these responses are consistent across all regions and across political affiliations. And I think this consistency across regions is really interesting. As we're talking about before, data centers are not impacting bills in every region. But consumers are still blaming them and still attributing bill increases there.It's clear that both the energy sector and U.S. consumers are navigating a complex landscape with data center growth at the center of the conversation. As policy responses evolve and the U.S. midterm elections approach, this issue is only going to gain more attention. And we'll be sure to bring you the latest. Dave, thanks for taking the time to talk.David Arcaro: Great speaking with you, Michelle.Michelle Weaver: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Today is our third episode of "Ask the Pharmacist" with Dr. Dean Elbe, and our listeners have a few questions for Dean.What happens if I eat my breakfast with coffee and take my thyroid medication (synthroid) at the same time?Do dairy products interfere with my antibiotics?Join us to find out!Be sure to check out Dr. Dean Elbe's website and helpful resource Drug Nutrition Interactions: https://www.drugnutritioninteractions.com/#/Episodes mentioned include:Ep 65. Thyroid Conditions with Lisha Knicely, RDhttps://youtu.be/idG0hR7okE0?si=tx4EdUeFh5XS-3_AEp 18. Calcium, Cracking The Bone Density Codehttps://youtu.be/2ffnMy_3jYk?si=ODw-_ZI-Hio1dJkFEp 67. Calcium Supplements for Womenhttps://youtu.be/HGNDM9imqLo?si=72vvsgbbgrawrUUuNutrition Nuggets 8. Potassium and Sodium Balancehttps://youtu.be/xUR6GRhkGgo?si=nDuqe9yT_Pe9VpUfEp 178. Does Diet Affect Medication with Dr. Dean Elbe, Pharmacisthttps://youtu.be/toDY_PAmsS0?si=IYWRnViWg00r761kEp 184. Ask The Pharmacist with Dr. Dean Elbehttps://youtu.be/4mZpEbwgpFM?si=VbhOqsmQhegWBLujEp 180. Navigating GLP-1 Weight Loss Medications with Ana Reisdorf, RDhttps://youtu.be/yR9rmLwedp8?si=t6-5X8cDFfBK9w1XComedian Michael McIntyreMichelin Mum Has Her Own Food Served to Herhttps://www.youtube.com/watch?v=xBm0w-5HGSgEnjoying the show? Consider leaving a 5 star review (if you loved it!), and/or sharing this episode with your friends and family :)Don't forget to visit our social media pages as well. You can find us on ⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠.Your support helps fuel the stoke and keeps the show going strong every week. Thanks!Website: www.mywifethedietitian.comEmail: mywifetherd@gmail.com

Host Joe DeMare gives updates on the battle for old growth in British Columbia and AEP's sneaky attempt to eliminate Net Metering. Next he interviews Jay Warmke from SolarPVTraining.com about the future of solar in Ohio. Rebecca Wood takes us on an excursion to Lake St. Clair along the Michigan/Canada border. Ecological News includes a slew of environmental court losses for the Trump administration, and finally definitive proof that PFAS harms unborn children and infants. 

Gain access to Everything Senior Insurance: https://eseniorinsurance.com/On this episode of the Seven Figures or Bust podcast, we recap the highs, lows, and surprises from this year's AEP

Carlos Silva, ex-secretário-geral da UGT, e Luís Miguel Ribeiro, presidente da AEP, debatem o impacto da greve de dia 11. Decisão da UGT foi "unânime" e AEP prevê "impactos e prejuízos" para o país.See omnystudio.com/listener for privacy information.

In this episode we're highlighting some important things to think about while AEP is still fresh in your mind. Read the text version  

Medicare Annual Enrollment Period - Trends, Challenges, and OpportunitiesWe dive into the chaos and hustle surrounding the last few days of Medicare's Annual Enrollment Period (AEP). Mike and Dan Hardle discuss the never-ending busy season, the dynamics of telemarketing laws, and the varying attitudes of agents during AEP. Expect insightful commentary on the evolving field of Medicare insurance, trends in agent behavior, and the potential impact of recent regulatory changes. Plus, they break down the latest CMS proposals for 2027, offering a glimmer of hope for a more streamlined, efficient future in the Medicare Advantage ecosystem. Whether you're an industry expert or just curious about the state of Medicare, you won't want to miss this episode!

Originally uploaded December 2, reloaded December 5th. Jeffrey Mosher welcomes Reuben Levinsohn, Partner, Wealth Advisor, Nicholas Pope, CFP®, CEPA™, AEP®. Partner, Wealth Advisor Washington Avenue Advisors, REO Town, Lansing, MI. Welcome to the Michigan Business Beat, share a bit about Washington Avenue Advisors? Washington Avenue Advisors clearly supports business owners with exit planning and succession strategy — how do you balance the needs of founders who want growth now with planning for their eventual exit? Your Services page highlights tax planning, acquisitions, and business efficiency — how does your team help small to mid-sized entrepreneurs build a financially scalable business? For business owners worried about legacy — how does your “estate & legacy planning” practice integrate with ownership transition to ensure both the business and their personal assets are protected? As a Lansing-based firm serving entrepreneurs and business owners nationwide, what competitive advantage does Washington Avenue Advisors bring, and how do you align your investment and risk-management advice with the unique challenges of owner-led companies? Your firm hosted Leadership talks last year, what did you and your gatherings take away from those events? » Visit MBN website: www.michiganbusinessnetwork.com/ » Subscribe to MBN's YouTube: www.youtube.com/@MichiganbusinessnetworkMBN » Like MBN: www.facebook.com/mibiznetwork » Follow MBN: twitter.com/MIBizNetwork/ » MBN Instagram: www.instagram.com/mibiznetwork/ Washington Avenue Advisors was founded in 2016 by the original partners, Nick and Reuben, with a belief that the world is full of visionary leaders trying to bring their best ideas to fruition. They wanted to build an organization that would help entrepreneurs move from their imaginations into a physical space. There was no better location to call home than REO Town, Lansing, MI, a historical place where innovation meets entrepreneurship.​ REO Town in Lansing, Michigan, was named after Ransom Eli Olds, founder of the Oldsmobile and REO Motor Car Company, and was a major center for the American automobile industry from 1905 to 1975.​ At Washington Avenue Advisors, we believe financial advising is about more than numbers on a spreadsheet — it's about people, families, and the legacies they build.​ Our mission is to help business owners actualize their legacy. Along the way, WAA has grown into a trusted partner for those navigating every stage of wealth and business. From startup to exit, from first investment to legacy planning, we walk alongside our clients through each step of the journey.​ Connecting Life and Wealth ​ We know that life and wealth are inseparable. That's why our discovery process doesn't begin with money — it begins with you. We ask about your goals, values, and vision for the future, and then design strategies that align with who you are and what matters most.​ Our work spans:​ Wealth Planning & Investment Management — building portfolios and strategies tailored to long-term success. Business & Exit Planning — helping entrepreneurs grow, protect, and exit their companies on their terms. Estate & Legacy Planning — ensuring the values you live by are the ones you pass on. Accounting & Financial Clarity — empowering businesses with day-to-day accuracy for their accounting needs, serving as an outsourced controller or fractional CFO.

This is it! The last week of AEP! Here are two focus points...

Host Joe DeMare talks about being grateful for water and snow, and how even though Ohio is having a cold snap, the northern parts of the globe are having temperatures 20 degrees and more above normal. Next he interviews Cathy Cowan Becker about the AEP's insidious plan to slip in a rule change that would eliminate solar power net metering! By putting the rule change in place during Thanksgiving vacation, they escaped any media attention and only a heroic last minute effort by activists mounted any kind of challenge. Rebecca Wood talks about the Detroit River. Ecological News includes record Amtrak ridership, the RCMP arresting old growth defenders, and the nuclear industry's attack on the government of Ukraine. 

The Annual Enrollment Period holds many sales opportunities; some you may not know the full value of! Discover how Medicare Supplements can benefit you and your clients during AEP!   Read the text version   Register with Ritter Insurance Marketing   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: A Comprehensive Guide to Medicare Supplement Underwriting FREE eBook Download CSG Actuarial – Quote & Enroll Ancillary Solutions Cure Your Client's Needs with a PDP   Finding the Best Medicare Supplement Plan Letter for Your Client Guiding Your Clients Through Med Supp Underwriting How to Save Your Clients Money on Prescription Drugs Meet Your Ritter Sales Team Medicare Supplements Full the Gaps in Your Portfolio The Ideal Client for Medicare Supplement Plans What to Know When Replacing Existing Med Supp Plans for Clients When Do Med Supp Plans K, L, M, & N, Make Sense?   References: “Am Best.” Web.Ambest.Com, www.web.ambest.com/home. Accessed 29 Oct. 2025. “Get Ready to Buy.” Medicare.Gov, www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 29 Oct. 2025. “How Much Does Medicare Drug Coverage Cost?” Medicare.Gov, www.medicare.gov/health-drug-plans/part-d/basics/costs. Accessed 29 Oct. 2025.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Retired and tough to pin down, Mr. Mike O'Neil finally joins me on the show. We hear about his early life in the Greater New Orleans area, familial connections to the industry, the development of industry over the years through acquisitions and mergers, Jim Fox, Sonny Ivey, Patrick Morton, Jim Farley, Tom Fisher, Dave Dewey, Cliff Mosby, and Wayne Sanborne. He reminisces about his time in fleet dispatch working on floating offices, the S/V New Orleans and the M/V Louisiana in the lower harbor, and we hear also about the history of the Missouri River Barge Line, Valley Line, Federal, and about ACBL from which he retired not long ago. We worked together for a brief period following the AEP acquisition, but I knew him only by name back then.Part 2 with Mr. O'Neil will debut in a couple of days...

We will examine the case for gold and bitcoin as alternative assets, and look at how each fits (or doesn't) into a diversified portfolio, and what type of investor each one is really built for.Today's Stocks & Topics: Fidelity MSCI Real Estate Index ETF (FREL), Quanta Services, Inc. (PWR), Market Wrap, “Gold or Bitcoin? The New Safe-Haven Showdown”, Vanguard Total World Stock Index Fund ETF Shares (VT), The Scotts Miracle-Gro Company (SMG), Blue Owl, CD Rates, American Electric Power Company, Inc. (AEP), Vistra Corp. (VST), NextEra Energy, Inc. (NEE), PayPal Holdings, Inc. (PYPL), Teradyne, Inc. (TER), Bonds.Our Sponsors:* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Learn how to sponsor the Seven Figure Medicare Agent Summit:https://sevenfiguremedicareagentsummit.com/On this episode of the Seven Figures or Bust pod, we talk about what agents need to know with only two weeks left in AEP. We break down the biggest opportunities, the pitfalls to avoid, and the strategies that can help you finish strong. If you want to maximize the final stretch, this episode is a must-listen.

Passing the Ranch on to the Next Generation isn't easy. The Consultants at Understanding Ag have caught my attention due to the high concentration of their consultants that have accomplished this goal. Today on the Working Cows Podcast we discuss the keys to successful succession with Gabe Brown, Blain Hjertaas, and John Hays about how they have approached this challenging task.Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:UnderstandingAg.comGuest's Previous EpisodesEp. 463 Gabe Brown - How Food Can be Common Ground for Common GoodEp. 461 Blain Hjertaas - Winter Feeding Strategies that Drive ProfitabilityEp. 459 Gabe Brown and Dr. Temple Grandin on Creating a More Resilient Food SystemEp. 445 John Hays and Jeremy Sweeten - Practical Tips for Regenerative Hay MakingEp. 443 Blain Hjertaas and Michael Thiele - Does Regenerative Agriculture Work in Northern EnvironmentsEp. 439 John Hays and Jeremy Sweeten - How Amp Grazing Drives Profitability Even in the MidwestEp. 404 Gabe Brown and Dr. Allen Williams on Fixing America's Broken Rural EconomiesEp. 402 Gabe Brown and Dr. Allen Williams – Fixing America's Broken Water CycleEp. 380 Gabe Brown, Dr. Allen Williams, and Fernando Falomir – Soil Health Academy Q and AEp. 388 Gabe Brown and Luke Jones – Making the Regenerative ShiftEp. 361 Gabe Brown and Allen Williams – 2024 State of AgricultureEp. 305 Gabe Brown and Dr. Allen Williams – Matching Management to ContextEp. 293 Gabe Brown and Matt McGinn – Transitioning to More Adaptive StewardshipEp. 290 Gabe Brown and Dr. Allen Williams – Three Rules of Adaptive StewardshipEp. 288 Gabe Brown and Shane New – Managing the Nutrient CyleEp. 283 Gabe Brown and Dr. Allen Williams – The 6-3-4Ep. 281 Gabe Brown and Dr. Allen Williams – The State of Agriculture in North AmericaEp. 277 Gabe Brown – The State of the American Food SystemEp. 121 Gabe Brown – Heifer Development in Sync with NatureEp. 067 Gabe Brown – Dirt to Soil

România are un război la ușă, dar cochetează cu ideea de a-și decima armata. General: „E o tâmpenie, ne face vulnerabili în fața Rusiei” (Adevărul) - Opinie: Puterea din umbră a magistraților (DW) - AUR pentru Realitatea: George Simion a dat un milion de euro pentru o zi de promovare și aproape jumătate pentru o emisiune cu Anca Alexandrescu, dar fără el (Snoop) Ce ascunde mesajul schizofrenic al lui Sorin Grindeanu? Incapacitatea PSD (SpotMedia) Se anunță reducerea cu 10% a cheltuielilor de personal în fiecare minister, care poate fi făcută oricum, nu numai prin reducerea salariilor, ci și prin restructurări, concedieri, diminuarea sporurilor și a bonusurilor, iar Sorin Grindeanu vine în fața camerelor TV și face un întreg spectacol că nu e de acord cu tăierea salariilor. PSD e singurul partid din coaliție care are un comportament schizofrenic, e de acord cu măsurile de reducere a deficitului în ședințele coaliției, în timp ce în fața publicului protestează violent la adresa lor. Pentru a afla de ce se întâmplă acest lucru SpotMedia a stat de vorbă cu politologul Costin Ciobanu, cercetător științific la Universitatea Aarhus, Danemarca, iar el a spus: “România trece printr-o perioadă economică dificilă, fiind pentru prima dată în istorie când PSD e la guvernare și trebuie să ia măsuri nepopulare”. “PSD nu s-a aflat până acum în situația de a lua decizii care duc la austeritate. În același timp, știm că măsurile de austeritate, în general, afectează votanții cu posibilități materiale reduse”, a declarat politologul pentru Spotmedia.ro.  “Măsurile de austeritate sunt un pericol pentru electoratul social-democrat, mai ales că PSD are acum această amenințare și din partea AUR. Partidul se află, într-adevăr, într-o poziție incomodă. Pe de-o parte, este la guvernare și a girat într-o formă sau alta deciziile luate până acum, pe de altă parte, are această amenințare electorală că reformele îi afectează susținerea publică. Așa că adoptă o poziționare ambiguă, care, în realitate, e una strategică”, a explicat expertul Costin Ciobanu. România are un război la ușă, dar cochetează cu ideea de a-și decima armata. General: „E o tâmpenie, ne face vulnerabili în fața Rusiei” (Adevărul) Intenția guvernului de reducere a bugetelor pentru cheltuielile de personal, după ce inițial în spațiul public s-a vorbit și despre reduceri salariale și chiar disponibilizări, este criticată de experți. În ziarul Adevărul, generalul (r) Dan Grecu, șeful generalilor în rezervă, și chestorul Lucian Guran, fost șef al Poliției Capitalei, avertizează că dacă vor fi luate aceste măsuri, România va fi mai puțin sigură și în fața unui invadator, dar și în fața infractorilor de toate felurile. Opinie: Puterea din umbră a magistraților (DW) România e în mare criză de timp, fiindcă întregul proces de intrare în vigoare a Legii pensiilor magistraților trebuie finalizat până pe 28 noiembrie, termenul maximalist oferit de Comisia Europeană pentru a elibera tranșa de peste 230 de milioane de euro României (din PNRR-Programul Național deRedresare și Reziliență). Ministrul Proiectelor Europene, Dragoș Pîslaru a declarat ieri că termenul de 28 noiembrie nu poate fi prelungit, dar că totul ar putea fi gata la vreme dacă CSM dă avizul imediat, fără să mai tragă de timp. Vicepreședintele CSM a precizat, însă, că e nevoie de timp pentru a analiza proiectul, chiar dacă nu are modificări majore. Acum o lună, 5 dintre cei 9 judecători CCR au votat pentru respingerea proiectului care fusese reclamat de Înalta Curte. 3 dintre cei 5 care au susținut interesele magistraților provin din această castă și au fost numiți de PSD (Cristian Deliorga, fost procuror apoi judecător la Constanța, Gheorghe Stan, fost procuror, Bogdan Licu, fost prim-adjunct al procurorului general). Lor li s-au alăturat Mihai Busuioc, propus de PSD, fost șef al Curții de Conturi și Mihaela Ciochină, fostă consilieră prezidențială sub Klaus Iohannis. Dacă Înalta Curte reclamă din nou legea la CCR e posibil ca social-democrații să-l îndemne pe ultimul lor numit, Mihai Busuioc să voteze alături de judecătorii care vor să treacă proiectul guvernului Bolojan. Unele surse avizate susțin că și Mihaela Ciochină ar trece de partea bună a votului, dar deocamdată totul e relativ.  Pentru diseară se anunță proteste împotriva magistraților în toată țara sub sloganul „Vrem drepturi egale, fără pensii speciale!”.  Se vor mai bate magistrații acum pentru bani mai mulți sau au înțeles că nu e un moment bun pentru astfel de extravaganțe, când peste tot se fac concedieri, iar inflația a crescut cu 10% și majoritatea oamenilor au mai puțini bani?  Vor juca, măcar pentru o perioadă, reținerea, în speranța că legile sunt vremelnice și pot fi schimbate? Sau vor insista până când protestele vor crește atât de mult încât magistrații cu bun simț se vor desolidariza de cei lacomi? Deocamdată, la Înalta Curte tendința e să meargă până în pânzele albe, comentează jurnalista Sabina Fati, corespondent DW la București.  AUR pentru Realitatea: George Simion a dat un milion de euro pentru o zi de promovare și aproape jumătate pentru o emisiune cu Anca Alexandrescu, dar fără el (Snoop) Facturile de promovare ale AUR pe Realitatea TV au fost considerate neconforme cu legea de către Autoritatea Electorală Permanentă, care a decis să nu ramburseze partidului peste 17 milioane de lei. O sesizare pe această temă a fost trimisă de AEP la Parchet, potrivit informațiilor obținute de Snoop.ro. Din cele 69 de milioane de lei cheltuite de George Simion în campania electorală prezidențială din primăvara lui 2025, 23,4 milioane de lei au ajuns la postul de televiziune Realitatea Plus. Din acestea din urmă, AEP a decis să recunoască doar 6 milioane de lei drept cheltuieli legale. AUR a pierdut, în două campanii, aproape 10 milioane de euro.

Ne propunem ca joi sau cel târziu la sfarsitul saptamanii viitoare să declanșăm procedura de angajare a răspunderii pe proiectul privind reforma pensiilor magistraților. Este declaratia premierului Ilie Bolojan la cateva zile dupa ce Coalitia a decis ca judecatorii si procurorii sa primeasca o pensie de 70% din salariul net iar perioada de tranzitie pana la varsta pensionarii sa creasca la 15 ani. Snoop.ro - George Simion a dat un milion de euro pentru o zi de promovare la Realitatea TV Facturile de promovare ale AUR pe postul Realitatea TV au fost considerate neconforme cu legea de Autoritatea Electorală Permanentă care a decis să nu ramburseze partidului peste 17 milioane de lei cheltuiţi în campania pentru alegerile prezidenţiale din 18 mai. Printre facturile nerecunoscute de AEP se află şi una de aproape un milion de euro. O sesizare pe această temă a fost trimisă de Autoritatea Electorala la Parchet, relatează Snoop.ro.                Ucraina şi aliaţii europeni resping părţi esenţiale ale planului de pace negociat între Casa Albă și Kremlin Planul de pace al președintelui Trump pentru Ucraina include o garanție de securitate inspirată din articolul 5 al NATO, care ar obliga SUA și aliații europeni să trateze un atac asupra Ucrainei ca pe un atac asupra întregii „comunități transatlantice”. In schimb. Kievului i se cere sa renunte la bucati din teritoriu, sa-si reduca armata si sa nu adere la Alianta Nord-Atlantica.Pe de alta parte, Donald Trump ameninţă Ucraina cu sistarea ajutorului militar dacă nu acceptă planul de pace. 

In this episode, we feature Xela Brainin Godinez, a student at CSU Channel Islands studying Environmental Science and Resource Management with a marine and coastal emphasis. Having served as a AEP Student Council Member and participant on the People & Culture Committee, Xela brings a fresh perspective on entering the environmental profession.  From hands-on conservation work with white abalone at the Aquarium of the Pacific to presenting before California's Lieutenant Governor about the Santa Rosa Island Research Station, Xela has already made meaningful contributions to marine science and student outreach. Her journey from studying horticulture at Long Beach City College to specializing in marine and coastal science reflects both personal growth and an evolving passion for environmental stewardship.  As an advocate for diversity in environmental spaces, Xela is passionate about expanding representation in our profession. Join us as she shares her experiences working alongside seasoned professionals on AEP's People & Culture Committee, what draws her to marine conservation, and what gives her hope as she prepares to launch her career. 

Congrats on making it this far into AEP! Take time to access what is and isn't working for your business and hear our tips for improvement!   Read the text version  

Ian Freeman started his professional life in banking, but it was after some personal reevaluation—facing both challenges and unexpected lessons—that he made the leap into wealth management and insurance. He's now the founder and lead wealth management advisor for The Freeman Group (part of Western Mutual), and has helped thousands secure their futures since 1987.Ian's journey is filled with stories of resilience, ethical leadership, and always putting people before profit—a mindset that's guided him to sell nearly $2B in life insurance policies. He's earned every one of his AEP, CASL, ChFC, and CLU designations by making authentic, long-lasting client relationships his highest priority. As an international speaker and author, Ian's new book Life Beneath the Suit brings together real experiences from the financial world, showing how moments of uncertainty can inspire growth, emotional well-being, and a renewed sense of purpose.

Why estate planning and business succession fail most often has nothing to do with legal documents. It comes down to communication, valuation, and timing. In this episode of Behind The Numbers With Dave Bookbinder, we explore the intersection of estate planning, business succession, and valuation with private client attorney Brian Balduzzi. Brian explains why estate planning is not just for the ultra-wealthy. Every business owner needs core documents in place to protect their family and business: wills, medical and financial powers of attorney, and a plan for what happens to their company. We dig into: How business valuation fits into estate and succession planning When to assemble the right advisor team and who should be at the table The dangers of ignoring valuation for illiquid assets Why failing to communicate plans derails succession efforts How gifting strategies, charitable giving, and legacy intentions shape outcomes Brian also touches on the emotional and human aspects of planning: chosen family considerations, stewardship of wealth, and why planning during life often creates better results than leaving everything to be sorted out later. If you're a business owner, this conversation offers practical steps to start protecting your company and your family today. #EstatePlanning #ProtectYourAssets #FuturePlanning #TaxStrategy #BusinessValuation #FamilyWealth #LifeGoals #LegacyPlanning ----more---- About Our Guest: Brian M. Balduzzi, Esq., Tax LL.M., MBA, CFP®, CEPA®, AEP®, IPA (he/him) is an attorney in the Private Client Group at Faegre Drinker in its Philadelphia, Princeton, and New York offices. Brian specializes in sophisticated estate and wealth transfer planning, helping families prepare for transitions, exits and succession. He also advises clients on estate and gift tax exemption strategies, charitable planning, prenuptial planning, estate and trust administration, and fiduciary litigation. Brian is a tax, business law, estate planning, accounting and finance adjunct professor. His scholarship has been featured in multiple regional and national trusts and estates and legal publications. In 2019, Brian was one of four Trusts and Estates attorneys selected as an ABA Real Property Trusts & Estate (ABA RPTE) Fellow, and, in 2021, as an American College of Trust and Estate Counsel Young Leader Fellow. For the ABA RPTE Section, he serves as the Chair of the IRA Plans & Distributions Committee, Chair of the Financial Planning and Risk Management Committee, Vice Chair of the DEI Committee, Member of the Trust and Estate Books Editorial Board and Council Member. Brian is also an active member of the Philadelphia Estate Planning Council on multiple committees and speaker as part of their Roundtable program. He has previously been honored as a Pennsylvania City and State Forty Under 40, Al DIA 40 Under Forty, Rainbow Revolutionary Distinguished Alumni, Philadelphia KEEPER, American Bar Association Top Forty Lawyers – On the Rise, and Boston University School of Law Young Alumni Chair Awardee. Brian holds his JD/Tax LL.M. from Boston University School of Law and his MBA with a Minor in Real Estate from Cornell University. He is licensed to practice law in PA, NJ, NY, FL, and MA, and he is in the process of waiving into the South Dakota bar.  Links: Brian M. Balduzzi | Professionals | Faegre Drinker Biddle & Reath LLP Estate Planning Lessons From the Oracle of Omaha | Law.com Planning Suggestions for the Impact of OBBBA on Estate and Tax Planning | Publications | Insights | Faegre Drinker Biddle & Reath LLP Sales of Qualified Small Business Stock (QSBS), ‘Stacking' and Other Structures for Advanced Estate Planning | Publications | Insights | Faegre Drinker Biddle & Reath LLP      About the Host: Dave Bookbinder is known as an expert in business valuation and he is the person that business owners and entrepreneurs reach out to when they need to know what their most important assets are worth. Known as a collaborative adviser, Dave has served thousands of client companies of all sizes and industries.  Dave is the author of two #1 best-selling books about the impact of human capital (PEOPLE!) on the valuation of a business enterprise called The NEW ROI: Return On Individuals & The NEW ROI: Going Behind The Numbers.  He's on a mission to change the conversation about how the accounting world recognizes the value of people's contributions to a business enterprise, and to quantify what every CEO on the planet claims: “Our people are this company's most valuable asset.” Dave's book, A Valuation Toolbox for Business Owners and Their Advisors: Things Every Business Owner Should Know, was recognized as a top new release in Business and Valuation and is designed to provide practical insights and tools to help understand what really drives business value, how to prepare for an exit, and just make better decisions. He's also the host of the highly rated Behind The Numbers With Dave Bookbinder business podcast which is enjoyed in more than 100 countries.  

Feeling frustrated this enrollment season? This episode is for you! We've got some ideas to help you take a break, take care, and make it through AEP and OEP.   Get Connected:

Every Medicare client has their own unique situation and needs. Learn how to best assist them with 5 more insurance sales scenarios!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 3 Essential Steps New Insurance Agents Need to Take 4 Ancillary Cross-Sales to Show Clients You Care 4 Out-Of-the-Box Long-Term Care Insurance Solutions 5 Must-Haves for Every Agent This AEP 5 Real-Life Medicare Sales Scenarios & How to Handle Them Agent Survival Guide Podcast Do's and Don'ts of Medicare Compliance How to Prepare for AEP like a Pro How VA Benefits Work with Medicare Life Insurance for Each of Life's Stages Meet Your Ritter Sales Team Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event Surviving AEP Resources The Survivor's AEP Checklist The Complete Guide on How to Sell Final Expense Insurance FREE eBook DOWNLOAD Your Clients May Not Be Automatically Enrolled in Medicare   References: “Agent of Record.” Insuranceopedia, 14 Jan. 2025, https://www.insuranceopedia.com/definition/674/agent-of-record.  “Avoid Late Enrollment Penalties.” Medicare, https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties. Accessed 1 Oct. 2025. “Cobra and Medicare Coordination.” Medicare Interactive, 31 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/cobra-and-medicare/cobra-and-medicare-coordination. “How Medicare Works with Other Insurance.” Medicare, https://www.medicare.gov/health-drug-plans/coordination. Accessed 1 Oct. 2025. “Job-Based Insurance When You Are Disabled.” Medicare Interactive, 23 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/job-based-insurance-and-medicare/job-based-insurance-when-you-are-disabled. “Medicare Information.” SSA, https://www.ssa.gov/disabilityresearch/wi/medicare.htm. Accessed 1 Oct. 2025. “Tricare for Life (Tfl) Basics.” Medicare Interactive, 23 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/military-retiree-insurance-and-medicare/tricare-for-life-tfl-basics.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Tax law is changing again, and with it, the way advisors should guide their clients. The One Big Beautiful Bill Act (O-B-B-B-A) introduces provisions that impact everyday retirees, mass affluent professionals, and high-net-worth families alike. In this episode of The Breakthrough Advisor™, host Randy Yost sits down with David Foster, JD, AEP, CLU®, ChFC®, CAP®, […] The post Uncovering Opportunities from the One Big Beautiful Bill Act with David Foster (Ep. 86) first appeared on Simplicity InsurMark.

If we raise great grass-finished beef and get it processed with excellence, but we can't sell it we will have invested a lot of time and money in a product that doesn't generate revenue. Dr. Allen Williams is here to help us think deeply about how we actually sell grass-finished beef to our customers. We will talk about how to respond to questions regarding pricing as well as what cuts we should spend the most time marketing.Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:UnderstandingAg.comGuest's Previous Episodes:Ep. 458 Dr. Allen Williams - The Connection Between Epigenetics and ProfitabilityEp. 452 Dr. Allen Williams - Tips for Maintaining the Quality of Grass-Finished Beef Through the Processing PhaseEp. 430 Dr. Allen Williams - Keys to Successful Grass-FinishingEp. 404 Gabe Brown and Dr. Allen Williams on Fixing America's Broken Rural EconomiesEp. 402 Gabe Brown and Dr. Allen Williams – Fixing America's Broken Water CycleEp. 380 Gabe Brown, Dr. Allen Williams, and Fernando Falomir – Soil Health Academy Q and AEp. 369 Dr. Stephan Van Vliet and Dr. Allen Williams – Growing Nutrient Dense FoodEp. 361 Gabe Brown and Allen Williams – 2024 State of AgricultureEp. 305 Gabe Brown and Dr. Allen Williams – Matching Management to ContextEp. 290 Gabe Brown and Dr. Allen Williams – Three Rules of Adaptive StewardshipEp. 283 Gabe Brown and Dr. Allen Williams – The 6-3-4Ep. 281 Gabe Brown and Dr. Allen Williams – The State of Agriculture in North AmericaEp. 148 Dr. Allen Williams – Grazing for Soil Health

Things can get hectic during AEP. From sales appointments, applications, and following up with clients, it's easy to brush aside rest and self-care, so consider this episode as a reminder!   Read the text version   Save Time, Sell More - IntegrityCONNECT   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: A Review of Integrity's Top Medicare Quoting Tools Agent Survival Kits Do's and Don'ts of Medicare Compliance How Ask Integrity Can Streamline Your Medicare Sales Appointments IntegrityCONNECT - Login PlanEnroll – Take Your Business to the Next Level Ritter's Round Table Your Guide to Forming an Insurance Agent Network   Fun Local Resources near Harrisburg PA: Lancatster Cat Cafe Meditation to Calm the Mind (Free) Round-A-Bout-Bagels Carlisle Cat Cafe Volunteer with The Harrisburg Humane Society (Free) Wildwood Park (Free) – Harrisburg PA Yoga at Harrisburg YMCA   References: “3 Tips to Manage Stress.” Www.Heart.Org, American Heart Association, https://www.heart.org/en/healthy-living/healthy-lifestyle/stress-management/3-tips-to-manage-stress. Accessed 8 Oct. 2025. “Your Frontline Source for Tech News.” Techreport, 6 Oct. 2025, https://techreport.com/. Mayo Clinic Staff. “Stress Relievers: Tips to Tame Stress.” Mayo Clinic, Mayo Foundation for Medical Education and Research, 3 Aug. 2023, https://www.mayoclinic.org/healthy-lifestyle/stress-management/in-depth/stress-relievers/art-20047257. Matijczak, Angela, et al. “The Influence of Interactions With Pet Dogs on Psychological Distress.” American Psychological Association, American Psychological Association, https://psycnet.apa.org/fulltext/2023-97081-001.html. Accessed 8 Oct. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Navigating the Chaos in Idaho's Health Insurance Market | Agent BoostDive into the latest updates and tumultuous situations in Idaho's health insurance market with your hosts from Agent Boost! With Halloween on the horizon, we're two weeks into AEP and are hit with a deluge of news and updates. In this insightful episode, we unpack the reasons behind the insurance commissioner's cease and desist order against Pac Source and UnitedHealthcare, the market dynamics, and the fragmented landscape across Idaho. Learn about the challenges faced by agents, agencies, and consumers due to low reimbursement rates, market exits, and the impact of COVID-19. Understand the historical context, regional intricacies, and potential solutions to this unfolding crisis. Whether you're an insurance professional or a curious consumer, this episode provides crucial insights into Idaho's evolving insurance market

CEA Aspiring Educators Program Chair Hannah Spinner, a UConn master's degree student, and Cole Brown, a sophomore at Southern and president of his university's AEP chapter, join CEA President Kate Dias and Vice President Joslyn DeLancey on this episode. They talk about the AEP's recent fall kickoff event and other community service, advocacy, and professional learning opportunities planned for the upcoming year. Find out more about the CEA Aspiring Educators Program, including how to join.

What is the Medicare Annual Enrollment Period?It is the yearly window from October 15 to December 7 when Medicare beneficiaries can review and change coverage. During AEP you can switch from Original Medicare to a Medicare Advantage plan, change Medicare Advantage plans, or join and switch a Part D prescription drug plan. Most changes begin January 1.In this episode, Andrew Nida and Moise Piram from Asset Management Group, Inc. explain what AEP is, who it helps, and how to compare plans with confidence. You will learn the dates, eligibility, and a simple step by step checklist so your coverage matches your health and prescriptions.What you will learn:• What AEP is and why it exists• AEP dates and who is eligible• Original Medicare compared with Medicare Advantage• Part D changes and how formularies work• What to review in your Annual Notice of Change• How plan changes begin on January 1• When the Medicare Advantage Open Enrollment Period applies from January 1 to March 31Follow us onX.com: https://x.com/AMGinc_ATLInstagram: https://www.instagram.com/assetmanagementgroupinc/LinkedIn: https://www.linkedin.com/company/amgincatl/Facebook : https://www.facebook.com/beyondtomorrowpodcastWebsite: https://www.assetmg-inc.com/YouTube: https://www.youtube.com/@assetmanagementgroupincTikTok : https://www.tiktok.com/@assetmanagementgroupincBlog: https://www.assetmg-inc.com/blogDisclosureEducational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.Hashtags:#Medicare #OpenEnrollment #AEP #WhatIsAEP #MedicareAdvantage #PartD #Retirement #FinancialPlanning #AndrewNida #MoisePiram #AssetManagementGroupTags and keywords:what is Medicare AEP, Medicare Annual Enrollment Period explained, Medicare Open Enrollment 2025, Medicare AEP dates, Medicare Advantage, Part D, Original Medicare, ANOC, Medicare checklist, coverage effective January 1, Medicare Advantage Open Enrollment Period, retiree health insurance, Asset Management Group, Andrew Nida, Moise Piram

You've worked hard all year to prepare for AEP, but you're not at the finish line yet! Listen to this installment of the Agent Survival Guide Podcast for tips on how to maximize your success this AEP.   Read the text version   Meet your personal AI assistant: Ask Integrity   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet Announcing the Launch of IntegrityCONNECT Ask Integrity Content Library: Mastering Medicare Coverage ft. Jeff Snyder How Insurance Agents Can Use AI Tools How to Better Market Yourself How to Prepare for AEP Like a Pro Secure a Bigger, Better Business with Ancillary Products The Insurance Agent's Guide to Establishing Successful Affinity Partnerships FREE eBook The Survivor's AEP Checklist What Agents Forget to Do When Preparing for Appointments   References: “Medicare + Fraud, Waste, and Abuse (MFWA) Online Course.” AHIP Medicare Training, https://www.ahipmedicaretraining.com/page/login. Accessed 14 Oct. 2025. “Medicare Open Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources. Accessed 13 Oct. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Take advantage of $19 Med Supp leads here: https://leadheroes.com/On this episode of the Seven Figures or Bust podcast

Gabe Brown has traveled extensively within the United States and around the world. He sees a movement taking shape. People are passionate about healthy food that is grown in healthy soils. This movement reaches into communities, businesses, and governments. It has even reached into the castle of a king or two. He joins me to discuss the way this movement is impacting these different sectors and how we can make sure our businesses are primed to make the most of this opportunity. Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:UnderstandingAg.comGabe Brown's Previous Episodes:Ep. 459 Gabe Brown and Dr. Temple Grandin on Creating a More Resilient Food SystemEp. 404 Gabe Brown and Dr. Allen Williams on Fixing America's Broken Rural EconomiesEp. 402 Gabe Brown and Dr. Allen Williams – Fixing America's Broken Water CycleEp. 380 Gabe Brown, Dr. Allen Williams, and Fernando Falomir – Soil Health Academy Q and AEp. 388 Gabe Brown and Luke Jones – Making the Regenerative ShiftEp. 361 Gabe Brown and Allen Williams – 2024 State of AgricultureEp. 305 Gabe Brown and Dr. Allen Williams – Matching Management to ContextEp. 293 Gabe Brown and Matt McGinn – Transitioning to More Adaptive StewardshipEp. 290 Gabe Brown and Dr. Allen Williams – Three Rules of Adaptive StewardshipEp. 288 Gabe Brown and Shane New – Managing the Nutrient CyleEp. 283 Gabe Brown and Dr. Allen Williams – The 6-3-4Ep. 281 Gabe Brown and Dr. Allen Williams – The State of Agriculture in North AmericaEp. 277 Gabe Brown – The State of the American Food SystemEp. 121 Gabe Brown – Heifer Development in Sync with NatureEp. 067 Gabe Brown – Dirt to Soil

The Future of Insurance Sales is HEREhttps://agencycoachai.com We're now LIVE with a select group of agents.This is the first and only 24/7 AI-powered sales coaching platform built exclusively for insurance professionals.With real-time call grading, on-demand role-plays, and personalized coaching after every conversation, it helps producers close more and gives agents their time back.

Take advantage of $19 Med Supp leads here: https://leadheroes.com/On this episode of the Seven Figures or Bust podcast

The Friday Five for October 10, 2025: Medicare Telehealth in Limbo Potential Delay for 2026 COLA? Public Support for Extending ACA Subsidies FFM Certification Now Available 5 Days Until AEP 2026   Get Connected:

Take advantage of $19 Med Supp leads here: https://leadheroes.com/On this episode of the Seven Figures or Bust podcast, we break down the Birthday Rule for Medicare Supplement plans and what it really means for agents and clients.

Take advantage of $19 Med Supp leads here: https://leadheroes.com/On this episode of the Seven Figures or Bust podcast, we dive into what I'd do if my area got absolutely crushed this AEP.

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.If you're an AMD shareholder, you're probably celebrating right now — and with good reason. AMD just pulled off one of the biggest moves we've seen in a while, fueled by its massive partnership with OpenAI. The stock surged over 25% before a quick pullback, and this video breaks down exactly what's happening, why it matters, and what could come next for AMD, the AI sector, and the broader market.We'll walk through what this new deal means for AMD's long-term growth, how it positions the company against Nvidia, and whether this incredible momentum can actually last. OpenAI's agreement to buy up to six gigawatts of GPUs from AMD — with the possibility of acquiring up to 10% of the company — is sending shockwaves through the tech world. This isn't just another headline. It's a potential game-changer for the entire AI hardware landscape.Here's what you'll learn in this session:➡️ How the AMD–OpenAI partnership could reshape the future of GPU production and competition➡️ Why AMD's 10 over 20 and price over 50 crossover signaled the bullish trend before the breakout➡️ How order blocks reveal where major buyers and sellers are stepping in➡️ Why following data-driven signals through OVTLYR keeps traders from chasing FOMO➡️ How to use Plans A, M, and ETF to manage positions and reduce risk➡️ Why new all-time highs are bullish and how to use them to your advantageWe'll also dig into broader market context — the SPY's bullish setup, heatmap readings, and how sector strength affects your trades. You'll see how OVTLYR's signals guide decisions through technical indicators like order blocks, ATR, and breadth crossovers. These tools help identify when it's time to trade, when to hold, and when to stay in cash.You'll hear real-time discussions about other stocks like SOXL, UPS, and AEP, with breakdowns on why some trades are hitting record gains while others still need patience. From leveraged ETFs to dividend plays, this session shows how traders use structured plans to win with less stress.And because trading isn't just about profits, this video also highlights why having a plan keeps emotions in check. FOMO doesn't stand a chance when you've got a proven process. When you trade like a professional fund manager — with clear entries, exits, and position sizing — you take the “guessing” out of the game.Whether you're watching AMD's story unfold or looking for the next breakout opportunity, this video gives you the insights, setups, and strategy to trade smarter with OVTLYR.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.The government shutdown may be all over the headlines, but does it really move the markets? In this video we cut through the noise and focus on the stocks and ETFs that actually matter right now. While the news cycle fuels fear, the data tells a different story. The QQQ and SPY keep hitting all-time highs, showing that smart traders who follow a plan can stay calm and profit when others are distracted by politics.We dig into how having a clear strategy removes the stress from trading. By following signals, not emotions, you know exactly when to get in and when to get out. That's what happened with Plan ETF. Entered on September 24th, this trade is already up nearly $5,000 while requiring almost no effort. It's a perfect example of why planning matters more than predicting.Here's what you'll discover:➡️ How to trade with confidence even during government shutdown headlines➡️ Why all-time highs are bullish and what they signal about future trends➡️ The power of exit strategies like the 10/20 cross, order block hits, and ATR filters➡️ How to identify value zones and avoid chasing extended setups➡️ The role of Plan M, Plan A, and Plan ETF in building a complete playbookWe also walk through stock ideas across sectors. Gold and precious metals like GLD have been running since August signals. Defense and aerospace names such as RTX are flashing buy signals, while utilities like AEP are showing strength with bullish breadth. Walmart and other staples look less convincing with weak sector data, but cybersecurity and infrastructure plays like Palantir could benefit if government spending priorities shift.Along the way, we break down what order blocks mean, why trapped buyers can create resistance, and how to spot when a stock is ready to break through. From big names like AMD, Dell, and J&J to leveraged ETFs like UDOW, you'll see how sector signals, breadth indicators, and fear and greed scores all come together to shape better trading decisions.The key takeaway is simple: stop chasing headlines and start following a proven plan. With OVTLYR, you get data-driven signals, backtested strategies, and clear exit rules so you can save time, lower risk, and maximize returns. Whether you're looking at stocks in tech, energy, or utilities, or you just want to ride major ETFs like QQQ and SPY, this video shows how to trade smarter.If you're ready to cut through the noise and start winning with a system built on data instead of hype, watch this video and see how OVTLYR can change the way you trade.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

In this episode, Jade and Kirby dive into McDonald's genius Monopoly campaign and why it's a masterclass in nostalgia marketing and owned media. They also talk about setting Q4 goals, the continued rise of LinkedIn as a business platform, and feature the HydraPeak 32 oz Water Bottle from Gold Bond as the product of the week. Plus, they give a big shout out to the groundbreaking at the old AEP site in Conesville, a major win for Coshocton County. Whether you're a business owner, marketer, or merch lover—this episode is packed with practical insights and good vibes.

CMS released their 2026 Medicare Advantage and Medicare Part D projections this week. Join Sarah as she highlights info for agents, from estimates on enrollment and premiums to plan accessibility and more!   Get Connected:

Get access now to 7 Figure Medicare University:Lifetime access:https://sevenfigureu.com/On this episode of the Seven Figures or Bust podcast, we dive into whether Medicare Supplement plans could be the hidden key to saving your AEP.

Maximizing Your Annual Enrollment Success | Medicare Sales Strategies & Industry InsightsIn this crucial final episode before the 2026 Annual Enrollment Period kicks off, Dan and Mike Hardle discuss the latest updates from carriers, the struggles agents and agencies face in a turbulent insurance industry, and provide valuable tactical tips for making the most out of the enrollment periods. Listeners can expect insights on industry-wide challenges, how to stay motivated and avoid complacency, and essential strategies to navigate the ebb and flow of AEP. Whether you're a seasoned agent looking to up your game or new to the field, this episode offers indispensable advice and the mindset needed to succeed. Tune in and get ready to roll up your sleeves and conquer the selling season!Article Referenced: https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2026Need to take your AHIP certification to sell Medicare Advantage plans? Use our official Agent Boost link to get started today. It's accepted by all major carriers and includes the $50 discount—bringing your cost down to just $125.

Get access now to 7 Figure Medicare University:Lifetime access:https://sevenfigureu.com/On this episode of the Seven Figures or Bust podcast, we dive into whether Medicare Supplement plans could be the hidden key to saving your AEP.

Richard Tufton and Claire Mackenzie of the Six Inches of Soil Podcast generously shared with me a conversation they hosted between Gabe Brown and Dr. Temple Grandin. This is a fascinating conversation that covers Dr. Temple Grandin's perspective on regenerative agriculture and some of her solutions to the fragility in our food system. We get some great back and forth between Gabe and Dr. Grandin. Thanks again to Richard and Claire for sharing this conversation!Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:UnderstandingAg.comRelevant Links:Dr. Temple GrandinSubscribe to the Six Inches of Soil Podcast:Gabe Brown's Previous Episodes:Ep. 404 Gabe Brown and Dr. Allen Williams on Fixing America's Broken Rural EconomiesEp. 402 Gabe Brown and Dr. Allen Williams – Fixing America's Broken Water CycleEp. 380 Gabe Brown, Dr. Allen Williams, and Fernando Falomir – Soil Health Academy Q and AEp. 388 Gabe Brown and Luke Jones – Making the Regenerative ShiftEp. 361 Gabe Brown and Allen Williams – 2024 State of AgricultureEp. 305 Gabe Brown and Dr. Allen Williams – Matching Management to ContextEp. 293 Gabe Brown and Matt McGinn – Transitioning to More Adaptive StewardshipEp. 290 Gabe Brown and Dr. Allen Williams – Three Rules of Adaptive StewardshipEp. 288 Gabe Brown and Shane New – Managing the Nutrient CyleEp. 283 Gabe Brown and Dr. Allen Williams – The 6-3-4Ep. 281 Gabe Brown and Dr. Allen Williams – The State of Agriculture in North AmericaEp. 277 Gabe Brown – The State of the American Food SystemEp. 121 Gabe Brown – Heifer Development in Sync with NatureEp. 067 Gabe Brown – Dirt to SoilMore Info About Six Inches of Soil:Six Inches of Soil Podcast, Episode 8:Unbound: discovering unlimited potential when what's better for cattle is better for businessHost, producer: Richard TuftonCo-host, producer: Claire MackenzieSix Inches of Soil: Website: https://www.sixinchesofsoil.org/Book: https://www.sixinchesofsoil.org/bookInstagram: https://www.instagram.com/sixinchesofsoil/LinkedIn: https://www.linkedin.com/in/six-inches-of-soil-b75059234/Introduction:Dr Grandin and Gabe explore how uniting animal welfare with regenerative agriculture and combining soil practices with Temple's farming solutions, you have nature and nurture working together as one big metaphorical “hug machine”. This offers a communal hug, if you will, by enveloping the animal's life with a safe, healthy, happy and tranquil environment, which we know will undoubtedly provide a better life for them. Their conversations weave between regenerative agriculture, animal welfare, and consumer demand. The speakers discuss the importance of integrating livestock with crops, the challenges faced in modern agriculture, and the role of youth in shaping the future of farming. They emphasize the need for visual thinking and innovation in agricultural practices, as well as the impact of climate change on food production. Featuring: Dr Temple Grandin is an American scientist and industrial designer whose own experience with autism funded her professional work in creating systems to counter stress in certain human and animal populations.Dr. Grandin did not talk until she was three and a half years old. She was fortunate to get early speech therapy. Her teachers also taught her how to wait and take turns when playing board games. She was mainstreamed into a normal kindergarten at age five. Dr. Grandin became a prominent author and speaker on both autism and animal behavior. Today she is a professor of Animal Science at Colorado State University. She also has a successful career consulting on both livestock handling equipment design and animal welfare. She has been featured on NPR (National Public Radio) and a BBC Special – "The Woman Who Thinks Like a Cow". HBO made an Emmy Award winning movie about her life and she was inducted into the American Academy of Arts and Sciences in 2016.Gabe BrownGabe Brown is one of the pioneers of the current soil health movement which focuses on the regeneration of our resources. Gabe, along with his wife Shelly, and son Paul, ran Brown's Ranch, a diversified 5,000 acre farm and ranch near Bismarck, North Dakota. Their ranch focuses on farming and ranching in nature's image.They have now transitioned ownership of the ranch over to their son, Paul and his wife, Jazmin.Gabe authored the bestselling book, “Dirt to Soil, One Family's Journey Into Regenerative Agriculture.”Gabe is a partner and Board Member at Regenified and serves as the public face of the company. He is a founding partner in Understanding Ag, LLC.Websites: https://brownsranch.us/https://regenified.com/about-us/https://understandingag.com/partners/gabe-brown/Instagram: https://www.instagram.com/brownsranch/?hl=en

Jason Brown turns away from A.I. high-flyers and turns investor attention to three under the radar stocks where he sees significant upside potential. He points to a low-risk, high reward play in Clorox (CLX), American Electric Company's (AEP) rise as an A.I. electricity supplier, and Loews (L) as a multi-faceted insurance company. Jason offers example options trades for all three stocks while Rick Ducat turns to the techncial trends to watch in the charts.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Get access now to 7 Figure Medicare University:Lifetime access:https://sevenfigureu.com/On this episode of the Seven Figures or Bust podcast, we dive into whether Medicare Supplement plans could be the hidden key to saving your AEP.

If we can develop animals that don't depend on inputs we can drive profitability. To do this we need to pay attention to more than just genetics. We need to also allow epigenetics to play a role in that selection process. Dr. Allen Williams was a university professor focused on genetics. His perspective has changed radically since those days. We discuss his understanding of what it takes to use the lever of epigenetics to our advantage.Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:UnderstandingAg.comRelated Resources:Epigenetics: Blessing or CurseGuest's Previous Episodes:Ep. 430 - Dr. Allen Williams - Keys to Successful Grass-FinishingEp. 404 Gabe Brown and Dr. Allen Williams on Fixing America's Broken Rural EconomiesEp. 402 Gabe Brown and Dr. Allen Williams – Fixing America's Broken Water CycleEp. 380 Gabe Brown, Dr. Allen Williams, and Fernando Falomir – Soil Health Academy Q and AEp. 369 Dr. Stephan Van Vliet and Dr. Allen Williams – Growing Nutrient Dense FoodEp. 361 Gabe Brown and Allen Williams – 2024 State of AgricultureEp. 305 Gabe Brown and Dr. Allen Williams – Matching Management to ContextEp. 290 Gabe Brown and Dr. Allen Williams – Three Rules of Adaptive StewardshipEp. 283 Gabe Brown and Dr. Allen Williams – The 6-3-4Ep. 281 Gabe Brown and Dr. Allen Williams – The State of Agriculture in North AmericaEp. 148 Dr. Allen Williams – Grazing for Soil Health

In a year defined by uncertainty, this RE+ special episode of Interchange Recharged flips the script from “build more” to “get more from what you've got.” Sylvia Leyva Martinez, Research Director at Wood Mackenzie, is joined by Alex Bamberger, VP of Digital Solutions at RES, to look at how owners are squeezing extra megawatt-hours from operating wind, solar and storage, opening OEM-level data, pairing software with smart hardware, and retuning controls for site realities. You'll hear real uplift figures (think low-single-digit AEP gains that add up to a year's worth of new installs at fleet scale) that show how new tech is optimising renewable energy assets.Then we widen the lens to the grid itself. Systems architect and founder and CEO of Dynamic Grid Kay Aikin makes the case that smarter controls, storage and flexible demand can raise distribution utilisation far beyond today's approximate 45%. Sylvia and Kay look at how performance-based models could unlock faster, cheaper reliability without waiting on every substation rebuild. You can find more on this at www.dynamicgrid.aiFinally, GridStor's VP of Finance Anna Astretsova breaks down the storage finance reality: plenty of capital, but higher costs. What's the impact been of OB3 on storage? Learn how safe-harbouring, earlier procurement, bankable tolling structures and better cycling assumptions are getting deals done, and why FEOC, tariffs and interconnection queues are reshaping who wins. It's been a packed first day of RE+, so get the key insights right here on the show.Make sure you're following wherever you listen to the podcast so you don't miss any of the coverage.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.