Podcasts about bnd

Today on the Show... Everyone's Favorite Don stories, Marvel casting rumors and Spider-man:BND leaks A returning DCEU hero confirmed for Man of Tomorrow Netflix top 10 and programming changes Pgh Penguins affiliate news and more....

For most of its history, Germany's foreign intelligence service was built to watch, not to act — a constraint rooted in the country's experience of the Gestapo and the Stasi. A sweeping draft law would change that, letting the BND conduct sabotage, covert interference, and offensive cyber operations for the first time. Chris speaks with German investigative journalist Florian Flade, among the first to report on the draft, about what's driving the overhaul — Russia's war and hybrid campaign, and eroding trust in Washington under Trump — and the unease that lingers around empowering services that once served dictatorships. Subscribe and share to stay ahead in the world of intelligence, global issues, and current affairs. Articles by Florian https://www.tagesschau.de/investigativ/ndr-wdr/bnd-gesetz-befugnisse-100.html https://www.tagesschau.de/investigativ/ndr-wdr/bnd-gesetz-befugnisse-102.html Take our audience survey: https://forms.gle/eFx59XntNtiKzNQa8 Support Secrets and Spies Become a “Friend of the Podcast” on Patreon for £3/$4: https://www.patreon.com/SecretsAndSpies Buy merchandise from our shop: https://www.redbubble.com/shop/ap/60934996 Buy us a coffee: https://buymeacoffee.com/secretsandspies Subscribe to our YouTube page: https://www.youtube.com/channel/UCDVB23lrHr3KFeXq4VU36dg For more information about the podcast, check out our website: https://secretsandspiespodcast.com Connect with us on social media Bluesky: https://bsky.app/profile/secretsandspies.bsky.social Instagram: https://instagram.com/secretsandspies Facebook: https://facebook.com/secretsandspies Spoutible: https://spoutible.com/SecretsAndSpies Twitter/X: https://x.com/SecretsAndSpies Follow Chris and Matt on Bluesky: https://bsky.app/profile/chriscarrfilm.bsky.social https://bsky.app/profile/mattfulton.net Secrets and Spies is produced by Films & Podcasts LTD: https://filmsandpodcasts.co.uk/ Music by Andrew R. Bird Photo by Christophe Gateau/AP Secrets and Spies sits at the intersection of intelligence, covert action, real-world espionage, and broader geopolitics in a way that is digestible but serious. Hosted by filmmaker Chris Carr and writer Matt Fulton     Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tom's on vacation, but the listener questions are not. In this packed Q&A episode, Don tackles one of the most common retirement dilemmas: if your Social Security and annuity income already cover your expenses, do you still need a traditional emergency fund?From there, the questions keep coming. Don weighs in on what to do with “lazy money” earning only 3%, whether a MYGA is really a better deal than a CD ladder, how to structure a taxable brokerage account for long-term growth, and where to keep nearly $300,000 set aside for a home purchase in the next two to three years.He also takes on a thoughtful question about managing a taxable portfolio for elderly in-laws who need additional income for memory care, and wraps up with a step-by-step explanation of how inherited IRA money can potentially be used to fund backdoor Roth contributions.Along the way, you'll hear why “guaranteed” doesn't always mean what insurance companies want you to think it means, why simplicity often beats ETF overengineering, and why liquidity still matters—even in retirement.0:05 – Intro and why Tom is getting buried in listener questions while on vacation1:14 – Don thanks listeners and mentions Apple featuring Litreading1:58 – How to send recorded questions at TalkingRealMoney.com2:16 – Question 1: Do retired investors still need a six-month emergency fund if Social Security and annuities cover expenses?3:14 – Why Don still favors stable, liquid emergency money even in retirement4:30 – Question 2: What should retirees do with “lazy money” that's earning only about 3%?5:28 – Don's preference for CD ladders over MYGAs and why “guaranteed” doesn't mean risk-free7:33 – Question 3: How should a high-income investor build a long-term taxable portfolio at Vanguard?10:03 – Don's case for simplifying with AVGE or DFAW instead of mixing multiple ETFs11:24 – Question 4: Is a five-year MYGA better than a five-year CD ladder?12:01 – Why Don still leans toward CDs despite the higher MYGA yield and tax deferral pitch14:16 – Question 5: Best place to keep $291,000 earmarked for a home purchase in two to three years14:46 – Money market vs. high-yield savings vs. CDs vs. BND for short-term house money17:04 – Question 6: How to structure a $300,000 taxable portfolio for elderly in-laws who need extra monthly income for memory care18:37 – Why Don would keep lots of liquidity, use only a little equity, and skip muni bonds in a 22% bracket20:50 – Question 7: Can inherited IRA proceeds be used to fund a backdoor Roth for both spouses?22:40 – Don's step-by-step answer, including opening new IRAs and watching out for the pro-rata rule25:07 – Don plugs The Line Uncrossed and offers a free one-hour advisor meeting25:42 – Reminder to send questions and be patient while Tom is on vacationQuestions? Comments? Click!

This week's Friday Q&A is packed with six listener questions covering some of the biggest financial decisions people face before and during retirement. Topics include whether actively managed bond funds are worth the extra cost, how the new senior tax deduction may affect Roth conversions, whether a 24-year-old should keep a whole life insurance policy, financial planning before marriage, the role of mid-cap funds, and whether it's worth abandoning a target-date fund before retirement. If you've ever wondered whether you're making your portfolio more complicated than it needs to be, this episode is for you.00:00 Welcome and Fourth of July schedule update02:21 Active vs. passive bond funds: Avantis, Dimensional, or BND?05:00 Using the new senior deduction to reduce Roth conversion taxes08:01 Does a 24-year-old need whole life insurance?10:35 Money conversations every engaged couple should have15:53 Are mid-cap funds worth owning?17:52 Should you leave a target-date fund before retirement?23:37 How to submit your own questionsQuestions? Comments? Click!

+++ Alle Rabattcodes und Infos zu unseren Werbepartnern findet ihr hier: https://linktr.ee/wiederwasgelernt +++ Künstliche Intelligenz verändert unseren Alltag, unsere Arbeit, unser Zuhause. Sie verändert aber auch Kriege. Die Ukrainer werten Satellitendaten inzwischen mit Software von Palantir aus. Dadurch erkennen sie viel schneller russische Luftangriffe. Durch Zielerfassung per KI finden sie den besten Moment und die beste Stelle, um anzugreifen. "KI ist eine disruptive Technologie, weil sie Dinge beschleunigt", sagt Verfassungsschutzchef Sinan Selen im ntv-Podcast "Wieder was gelernt" und warnt davor, dass diejenigen, die Deutschland im Visier haben, mit KI auch bereits schneller und effektiver arbeiten. "Uns stehen unruhige Zeiten bevor." Gast: Sinan Selen, Chef des Bundesamtes für Verfassungsschutz (BfV) Moderation: Frauke Niemeyer Sie haben Fragen? Schreiben Sie eine E-Mail an podcasts@ntv.de Sie möchten "Wieder was gelernt" unterstützen? Dann bewerten Sie den Podcast gerne bei Apple Podcasts oder Spotify. Dieser Podcast wird vermarktet von Julep Media: sales@julep.de Wir verarbeiten im Zusammenhang mit dem Angebot unserer Podcasts Daten. Wenn Sie der automatischen Übermittlung der Daten widersprechen wollen, melden Sie sich hier: datenschutz@julep.de

Cosa unisce la Bolivia dei golpe, Praga e un editore rivoluzionario italiano? La quarta puntata ricostruisce un intreccio di servizi segreti, traffici d'armi e personaggi rimasti nell'ombra: Klaus Barbie, la Merex AG, il BND e i servizi cecoslovacchi compongono uno scenario sorprendente, in cui la vicenda di Feltrinelli si intreccia con alcune delle pagine più oscure della Guerra fredda. Un'indagine che lascia più domande che certezze, ma che illumina una rete internazionale poco conosciuta.Maggiori informazioni⁠⁠⁠⁠Dossier Feltrinelli⁠⁠⁠⁠⁠⁠⁠⁠I podcast di SALTO⁠⁠⁠⁠⁠⁠⁠⁠Abbonati a SALTO

Habemus Papem! Ein neuer Bundesdatenschutzbeauftragter ist gefunden. Das ist zunächst ab Minute (01:55) Thema. Anschließend sprechen Dr. Stefan Brink und Prof. Niko Härting ab Minute (07:49) über die Bundesverwaltungsgerichtsentscheidung v. 4.6.2026, 10 A 2.25. Eine Journalistin und Historikerin forderte Zugang zu den Akten des BND zur Festnahme des NS-Verbrechers Adolf Eichmann in Argentinien. Das Bundeskanzleramt gab eine Sperrerklärung ab, welche nun gerichtlich bestätigt wurde. Auch nach 65 Jahren würde die Gefährdung der Zusammenarbeit mit anderen Nachrichtendiensten und der Datenschutz eine vollständige Offenbarung der Akten verhindern. Ab Minute (19:16) geht es um eine Entscheidung des Europäischen Gerichts v. 3.6.2026 in der Rechtssache T-1078/23. Die Europäische Kommission ordnete Meta 2023 als Gatekeeper (,,Torwächter“) im Sinne des Digital Markets Act (DMA) für den Messenger-Dienst und den Market-Place ein. Konnte sich Meta gegen die Kommission erfolgreich vor dem EuG wehren?

Don and Tom tackle rising bond yields and the anxiety they create for investors, explaining why higher bond yields mean lower bond prices and why recent moves in long-term Treasury rates have sparked comparisons to the period before the 2008 financial crisis. They discuss inflation fears, interest rate policy, and why investors should be cautious about reading too much into bond market movements as predictors of future stock returns. The conversation reinforces the role of bonds as portfolio stabilizers rather than return generators, particularly for retirees. They also answer a listener question about covered-call ETFs, explaining how option premiums create income, why the strategy isn't “magic money,” and the tradeoffs between yield, complexity, and risk. The episode closes with a correction involving Robert Wagner and Robert Conrad and a humorous detour into reverse-mortgage celebrity spokespeople.0:05 Bond investing versus “bondage” and why bonds are suddenly making headlines1:07 Rising Treasury yields and concerns about the bond market2:30 Why investors compare today's bond yields to conditions before 20083:00 Bond prices, bond yields, and the inverse relationship between them3:51 Inflation fears, energy prices, and their impact on bonds5:50 Global bond market pressures and rising yields in Britain7:06 Federal Reserve rate expectations and inflation control7:51 Lessons from the bond market collapse of 20228:36 Can bond market activity predict future recessions or market declines?10:06 Why geopolitical events often fail as market-timing signals10:31 Why own bonds when long-term returns have been disappointing?11:03 The role of bonds in diversification and retirement portfolios12:06 Using bonds as a spending reserve during stock market declines13:07 Listener question: How covered-call ETFs generate income14:18 Covered-call basics and selling options against stocks17:26 Risks, costs, and limitations of covered-call strategies19:38 Evaluating JEPI and the tradeoff between yield and volatility21:22 Listener correction: Robert Wagner versus Robert Conrad24:01 Reverse-mortgage spokespeople and celebrity rankings25:34 Why making a top-five list may be life's greatest achievementQuestions? Comments? Click!

Wer sprengte die Pipelines? Was wusste Selenskyj? Was wird bis heute im betroffenen Deutschland bewusst verschwiegen? Nach langjähriger Recherche und laut eigenen Angaben mittels Gesprächen mit den Saboteuren, der CIA und dem BND hat der Journalist Bojan Pancevski vom „Wall Street Journal“ in einem Buch erstmals die gesamte Geheimoperation und ihre politischen Hintergründe dargestellt.

Don celebrates the continued success of the Friday Q&A format and the encouraging first week of sales for his novel The Line Uncrossed, including a strong Kirkus review, before tackling a series of listener questions centered on retirement income and fixed income investing. He explains how his combination of cash reserves, a CD ladder, and bond funds supports a disciplined withdrawal strategy, discusses why diversified bond funds like BND still play an important role in reducing portfolio volatility, rejects the idea that Social Security and pension income should be counted as bond allocations within an investment portfolio, argues against the concept of a reverse glide path that increases stock exposure later in retirement, and shares lessons learned from decades of entrepreneurship about balancing investments in a business versus the market. Throughout the episode, he emphasizes diversification, discipline, investor behavior, and the importance of managing volatility rather than chasing returns.0:05 Why listener questions remain Don's favorite part of talk radio after 40+ years1:16 Friday Q&A episodes continue to be the most downloaded shows each week1:50 Easier ways to submit questions through the redesigned Talking Real Money website2:42 First-week sales update on The Line Uncrossed and reader support3:21 Positive Kirkus review and details on the ebook bundle4:48 How Don uses cash, bond funds, and a CD ladder during retirement8:00 Why BND and total bond market funds remain useful fixed income tools11:22 Should Social Security and pensions count as bonds in your allocation?14:26 Why Don believes reverse glide paths are a bad retirement strategy17:34 Investing in your own business versus investing in the market21:23 Why compliance reviews delay listener questions from airingQuestions? Comments? Click!

Zunächst sprechen Dr. Stefan Brink und Prof. Niko Härting (00:33) über die neuen Löschkonzepte der Chatfunktion Siri (Apple) und des Messengerdienstes Whats App (Meta). Ab Minute (09:59) wird die Entscheidung des VG Lüneburg v. 29.04.2026, Az. 1 A 85/24 thematisiert. Die Stadt Buchholz hatte einen Demonstrationsaufruf gegen Rechtsextremismus veröffentlicht. In diesem Rahmen wurde auch die AfD genannt. Hiergegen ging der Ortsverband dieser Partei erfolglos vor. Last but not least (20:25) sprechen Niko und Stefan über den kürzlich veröffentlichen Tätigkeitsbericht der Bundesdatenschutzbeauftragten. Sie heben dabei besonders ab Minute (29:10) die Teile zur Überwachung der Nachrichtendienste hervor. Hat der BND eine einwandfreie Löschroutine?

Inflation sticky like old pine sap… Another round of China meetings. Universal Basic Income –hints and whispers. And our guest – Ed Easterling, Founder and President of Crestmont Research NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment) Ed Easterling is the founder and President of Crestmont Holdings, an Oregon-based investment management and research firm that publishes provocative research on the financial markets at www.CrestmontResearch.com. He has over thirty years of alternative investment experience, including financial markets, private equity, and business operations. Mr. Easterling is the author of recently-released Probable Outcomes: Secular Stock Market Insights and Unexpected Returns: Understanding Secular Stock Market Cycles (Cypress House; 2005). In addition, he is contributing author to Just One Thing (John Wiley & Sons; 2005) and co-author of chapters in Bull‘s Eye Investing by John Mauldin. Mr. Easterling is a Senior Fellow and a Board Member at the Alternative Asset Management Center at SMU‘s Cox School of Business in Dallas, and previously served as a member of the adjunct faculty teaching the course on alternative investments and hedge funds for MBA students. Mr. Easterling holds a BBA in business, a BA in psychology, and an MBA from Southern Methodist University. Check this out and find out more at: http://www.interactivebrokers.com/ Follow @andrewhorowitz  Stocks mentioned in this episode: (META), (CAT), (IONQ), (SLV), (BND)

Deutsche Nachrichtendienste gelten als fleißig und technisch kompetent – aber auch als bürokratisch und stark reglementiert. Doch das soll sich ändern: Die deutsche Politik plant einen einzigartigen Umbau des BND und anderer Nachrichtendienste. Sie sollen schlagkräftiger werden und fähiger. Nur kaum einer bekommt es mit. In dieser 11KM-Folge – live vom ARD Sounds Festival – erzählt Investigativjournalist Jörg Diehl, was diese stille Zeitenwende der Inneren Sicherheit für die Freiheit jedes Einzelnen bedeutet und von welchen operativen Befugnissen die deutschen Nachrichtendienste träumen: heimliche Hausdurchsuchungen oder etwa Sabotageakte im Ausland. Bekommen deutsche Agenten etwa die Lizenz zum Töten? Jörg Diehl leitet die Recherchekooperation von NDR, WDR und Süddeutsche Zeitung und recherchiert seit mehr als 20 Jahren zu Sicherheitsthemen und Nachrichtendiensten. Diese 11KM-Folge wurde am 9. Mai 2026 live beim ARD Sounds Festival in Nürnberg aufgezeichnet. Alle Updates und Entwicklungen zum Bundesnachrichtendienst BND findet ihr auf tagesschau.de: https://www.tagesschau.de/thema/bnd In dieser früheren 11KM-Folge blickt Florian Flade auf “70 Jahre BND: Wie sich der Bundesnachrichtendienst verändern muss”: https://1.ard.de/11KM_70_Jahre_BND Hier gibt's einen Deep Dive mit der 11KM-Folge “BND-Reform: Ein bisschen mehr James Bond?”: https://1.ard.de/11KM_BND_Reform An dieser Folge waren beteiligt: Hosts und Folgenautor:innen: Elena Kuch und David Krause Mitarbeit: Marc Hoffmann Produktion: Fabian Zweck Planung: Laura Stuhlmacher, Nicole Dienemann und Hardy Funk Distribution: Kerstin Ammermann Redaktionsleitung: Yasemin Yüksel und Fumiko Lipp 11KM: der tagesschau-Podcast wird produziert von BR24 und NDR Info. Die redaktionelle Verantwortung für diese Episode liegt beim NDR.

Wenn Armeen heute bis auf den Meter genau präzise Angriffe gegen strategische Ziele wie kritische Infrastruktur oder Waffensysteme fliegen, geht das durch Aufklärung aus dem Weltraum. Der Himmel hängt voller US-Satelliten, die ständig das Geschehen am Boden im Blick haben. Ex-BND-Agent Gerhard Conrad erklärt im Podcast, wie filigran das Informationsnetz im All arbeitet, warum die Satelliten Sprit brauchen, manchmal fast zusammenstoßen - und was Europa tun muss, um selbst ein Player im Weltraum zu werden. Gast: Gerhard Conrad. Als Agent vermittelte der ehemalige BND-Mann zwischen der israelischen Regierung und Hamas und Hisbollah, um Geiseln freizubekommen. Mehrere Israelis verdanken ihm ihre Freilassung, darunter der Soldat Gilad Schalit nach fünf Jahren in Hamas-Gewalt. Bis 2019 war er Direktor des europäischen Nachrichten-Analysezentrums INTCEN. Moderation: Frauke Niemeyer Sie haben Fragen? Schreiben Sie eine E-Mail an podcasts@ntv.de Sie möchten "Wieder was gelernt" unterstützen? Dann bewerten Sie den Podcast gerne bei Apple Podcasts oder Spotify. Dieser Podcast wird vermarktet von Julep Media: sales@julep.de Wir verarbeiten im Zusammenhang mit dem Angebot unserer Podcasts Daten. Wenn Sie der automatischen Übermittlung der Daten widersprechen wollen, melden Sie sich hier: datenschutz@julep.de

Yet another BND podcast with two great guests for the price of one! Join our host, Mike Slater, as he gabs with: Mike Rogers, Candidate for U.S. Senate in Michigan, on how his campaign in the wolverine state has been going thus far. If he wins, that's a BIG pickup for the GOP. MAGA! and... U.S. Congressman Greg Steube (R-FL-17) with an insider's glimpse into the wacky inner workings of America's federal government. It's a mess in there, but we're lucky to have America First warriors like him fighting the good fight. Yeehaw! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nach dem 11. September verändert sich die Welt der Geheimdienste - und der Kampf gegen Terror bekommt eine neue Dimension. In Folge 2 spricht Paul Ronzheimer mit Ex-BND-Mann Gerhard Conrad über die Jahre nach 9/11, über Syrien, Irak, Afghanistan und die Frage, wie Geheimdienste Quellen überprüfen - und wie oft sie belogen werden. Es geht um Verhandlungen mit Terroristen, Geiselnahmen im Nahen Osten, den Austausch des israelischen Soldaten Gilad Shalit, den 7. Oktober als „Intelligence Failure“ - und darum, was Dienste wirklich wissen, wenn Politiker über Irans Atomprogramm sprechen.

Paul Ronzheimer spricht mit Gerhard Conrad, einem der erfahrensten deutschen Geheimdienstler, über seinen Weg zum BND, seine Arbeit in Pullach und seine Zeit als Resident in Damaskus. Conrad erzählt, wie man früher für den Nachrichtendienst ausgewählt wurde, warum Arabischkenntnisse plötzlich sicherheitspolitisch entscheidend wurden – und wie es war, in Syrien Bashar al-Assad zu begegnen, bevor dieser Präsident wurde. Es geht um Geheimhaltung, falsche Berufslegenden, die Arbeit mit Quellen, die deutsche Nahostpolitik vor dem 11. September – und um die Frage, wie man Diktaturen einschätzt, bevor sie zerbrechen.

President Donald J. Trump recently reposted a photo of himself as Jesus on his Truth Social platform. This led to a hubbub online. What does Mike Slater, proud BND radio host and Christian, have to say about all of this? Tune in and find out! Following that opener, Slater gabs with RNC Chairman about Tax Day in America and what the future holds for the GOP in the 2026 Midterm Elections. MAGA!  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Our memorable host, Mike Slater, solicits opinions on the ongoing war in Iran from listeners like YOU on today's BND podcast. Don't miss these incredible hot takes and Slater's reactions to them! Following that opener, Mike speaks with Breitbart's Economics Editor, John Carney, about how the United States of America is doing in a financial sense under Trump 2.0. What's good and what's bad with our money? Guess you'll have to tune in to find out out! MAGA! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode cuts through the marketing fog around “financial advisors,” breaking them into three real categories—brokers, insurance agents, and fiduciary investment advisors—and exposing how incentives, commissions, and murky regulations shape the advice investors receive. Don and Tom highlight the industry's gradual shift away from commissions while warning that titles like “fiduciary” or “CFP” don't guarantee behavior. A listener segment dives into retirement portfolio construction, clarifying misconceptions about bond funds like BND, sequence risk strategies, and the role of safe assets. The episode closes by reframing trendy concepts like “liability matching portfolios” as common-sense planning: keep near-term spending safe and let long-term money grow.0:05 Three types of “financial advisors” and why the title means nothing0:51 Brokers vs RIAs vs insurance agents—what they actually do2:10 Fiduciary confusion and “part-time fiduciaries”3:10 How brokers really operate (transactions, firm-first incentives)6:00 Insurance agents, annuities, and massive hidden commissions7:47 Regulation gaps and misleading “no commission” language8:15 Investment advisors (RIAs) and the fiduciary standard (with caveats)9:42 CFP designation—rigorous, but not a guarantee of behavior10:36 Portfolio reality: “a collection of ideas” vs an actual plan11:50 Industry trend: slow death of commissions and rise of fee-only15:13 Listener: retirement portfolio, glide path, and bond confusion18:15 BND vs Treasuries—risk, diversification, and reality19:59 Sequence risk strategy—lower equities early, increase later21:31 2022 bond drop explained (rates, not failure)23:11 Managing volatility fear—cash buffers vs bond funds24:01 Practical solution: mix of bonds, CDs, and cash28:07 Liability Matching Portfolio (LMP) vs “bucket strategy”31:01 Core takeaway: match short-term needs with safe assets, let rest growQuestions? Comments? Click!

This episode shifts from investing to the growing threat of scams—especially targeting older adults—breaking down how common fraud tactics work, from fake virus alerts and spoofed calls to AI-driven voice cloning and recovery scams. Don and Tom emphasize a simple but powerful rule: if you didn't initiate the contact, assume it's a scam, and never act under pressure. The conversation then pivots to listener questions, covering how to construct a globally diversified portfolio with proper U.S./international balance, how to structure fixed income for retirement income needs, and why investors should resist the urge to “take winnings” after gains—focusing instead on long-term discipline and occasional rebalancing.0:05 Scams targeting older adults and why susceptibility increases1:21 AARP article and life in The Villages as a scam hotspot backdrop3:05 Fake virus alerts and tech support scams (iPad example, $25K loss)6:10 Scale of scam losses (older Americans, underreporting, $5B+ impact)6:48 Common scam types: fake purchases, investment fraud, and urgency tactics7:23 Caller ID spoofing and law enforcement impersonation scams8:25 AI voice cloning and evolving scam sophistication8:39 Call screening tools and reducing scam exposure9:53 Bank impersonation scams using stolen personal data11:14 IRS scams—what the IRS actually does (mail only)11:57 Key defense rule: urgency = scam12:47 “Recovery scams” targeting prior victims13:27 Core principle: assume unsolicited contact is fraudulent14:44 Transition to listener Q&A intro and contact methods16:07 Portfolio construction: balancing U.S. vs international exposure using ETFs18:00 Fixed income strategy: BND vs CDs, money markets, income buckets19:26 Listener question: should you “take profits” after gains?20:03 Why long-term investing ≠ gambling (stay invested vs timing)21:39 Exception: rebalancing vs profit-taking22:38 Historical perspective on long-term economic growthQuestions? Comments? Click!

Als Chef der Spionageabwehr DDR kennt Hansjoachim Tiedge (gest. 6.4.2011) die Geheimnisse westdeutscher Geheimdienstarbeit - und verrät sie alle, ausgerechnet an die DDR. Von Martin Herzog.

Die Geschichte des BND ist schillernd und nicht immer ruhmreich. Mit dem Umzug von Pullach nach Berlin, dem Fall der Mauer und aktuell den Kriegen und Krisen dieser Welt, änderte sich auch der Auslandsgeheimdienst. Die geopolitische Lage stellt den BND vor Fragen, die für den Wohlstand und die Sicherheit unseres Landes überlebenswichtig sind. Aber ist der Dienst dafür geeignet? Wie passen Rechtstaat und Spionage zusammen? Und weiß die Politik, was Spione brauchen? Thomas Ihm diskutiert mit Dirk Banse – Journalist, Die Welt; Prof. Dr. Sophia Hoffmann – Politikwissenschaftlerin, Universität Erfurt; Prof. Dr. Wolfgang Krieger – Historiker, Universität Marburg

Manipulierte Chiffriergeräte, ein Geheimdienstchef aus Hitlers Wehrmacht und fatale Fehleinschätzungen - unter anderem vor dem Ukraine-Krieg: Zum 70. Geburtstag des Bundesnachrichtendienstes erzählt Geheimdienst-Experte Florian Flade vom WDR, wie aus der „Organisation Gehlen“ der BND wurde. Wie die Operation Rubikon zum selbsterklärten Spionage-Coup des Jahrhunderts für BND und CIA wurde und warum der deutsche Auslandsgeheimdienst heute zwischen Russland, Terrorismus, KI-Überwachung und dem Druck zur Reform neu definiert werden muss. 11KM ist am 9. Mai beim ARD Sounds Festival dabei. Alle Infos und Tickets hier: https://www.ardsoundsfestival.de/#/ Hier findet ihr die 11KM-Folge “BND-Reform: Ein bisschen mehr James Bond?”: https://1.ard.de/11KM_BND_Reform Hier geht's zu Welt.Macht.China, unserem Podcast-Tipp: https://1.ard.de/weltmachtchina?cp=11km Diese und viele weitere Folgen von 11KM findet ihr überall da, wo es Podcasts gibt, auch hier in ARD Sounds: https://www.ardsounds.de/sendung/11km-der-tagesschau podcast/urn:ard:show:4549910994dc2464/ An dieser Folge waren beteiligt: Folgenautor: Julius Bretzel Mitarbeit: Sebastian Schwarzenböck, Nicole Dienemann Host: David Krause Produktion: Christiane Gerheuser-Kamp, Konrad Winkler, Jonas Teichmann, Alexander Gerhardt und Marie-Noelle Svihla Planung: Nicole Dienemann und Hardy Funk Distribution: Kerstin Ammermann Redaktionsleitung: Yasemin Yüksel und Fumiko Lipp 11KM: der tagesschau-Podcast wird produziert von BR24 und NDR Info. Die redaktionelle Verantwortung für diese Episode liegt beim NDR.

Questions? Comments?This Friday Q&A episode tackles several thoughtful listener questions covering 401(k) investment choices, Roth conversion strategies, bond market fears, inherited IRA planning, and investment club mechanics. Don explains why opaque collective investment trusts and “cycle” funds often hide market-timing strategies, cautions against making large Roth conversions based on predictions about future tax rates, and reassures investors worried about inflation and national debt that markets already incorporate widely known risks. The episode closes with a practical endorsement of a listener's strategy to gradually withdraw from an inherited IRA to fund Roth contributions, emphasizing simplicity, discipline, and avoiding emotionally driven portfolio decisions.0:04 Don realizes the intro still says “radio” even though the show is now mostly a podcast.0:26 Friday Q&A format explained and reminder to submit questions at TalkingRealMoney.com.1:00 Question 1: 33-year-old with $330k in a 401(k) invested in opaque “intermediate cycle” and wealth-preservation funds.2:26 Don explains collective investment trusts (CITs) and why their lack of transparency is problematic.5:25 Market-timing strategies disguised as “cycle” funds and why simple equity funds may be better.6:47 Question 2: Listener corrects earlier discussion about transferring securities from investment clubs.8:37 How in-kind transfers can avoid capital gains when leaving an investment club—depending on club rules and brokerage policies.10:31 Question 3: Complex Roth conversion strategy involving IRMAA tiers and future tax assumptions.14:31 Don warns against making large conversions based on predictions about future tax rates.16:07 Why gradual conversions preserve flexibility compared with large upfront tax bets.17:28 Question 4: Concern about national debt and whether to replace BND with VTIP (TIPS).18:56 Don argues markets already price known risks like debt and inflation expectations.20:11 How TIPS work and when they actually help investors.21:46 Reminder that emotional reactions to economic fears often lead to bad portfolio decisions.22:10 Question 5: Using withdrawals from an inherited IRA to fund Roth IRA contributions.22:52 Strategy: withdraw gradually to fund Roth contributions while staying within tax brackets.24:15 Don endorses the plan as simple, tax-efficient, and compliant with the 10-year inherited IRA rule.25:09 Closing comments and reminder to submit questions.Learn more about your ad choices. Visit megaphone.fm/adchoices

Chile kippt nach rechts, nicht mit Kettensägengeknatter wie in Argentinien, aber genauso beharrlich. Der neue chilenische Präsident José Antonio Kast ist deutschstämmig, gläubig, mit Rechtspopulisten in aller Welt vernetzt und verspricht die eiserne Faust. Mutmacher Hajo Schumacher über ein Land, das sich von seiner letzten Dikatur noch nicht erholt hat. Bis in die 1990 Jahre bot Chile gruseligen Gestalten Unterschlupf: Da war der Altnazi Walther Rauff, Betreiber mobiler Gaskammern. Da war Paul Schäfer, sadistischer Sektenführer. Da war Chef-Folterer Miguel Krassnoff. Deutschland war oft dabei, ob in der Colonia Dignidad, mit dem BND oder der deutschen Botschaft. Die Aufarbeitung ist noch lange nicht erledigt. Und wird in den kommenden Jahren kaum vorangetrieben. Denn José Antonio Kast betrachtet die Verbrechen der Diktatur mit erschreckender Milde. Die Themen: Wie die Kast-Firmen in der Diktatur wuchsen. Wie Kast-Bruder Miguel mit den Chicago Boys das Land neoliberalisierte. Wie Pinochet-Leute zurück an die Macht gelangen. Warum der kalte Krieg bis heute geführt wird. Plus: Oktoberfest im Folterknast. Staffel 2, Folge 21.Shownotes:Vamos Schatzi! Hier den kostenlosen Newsletter abonnierenDie MutMacher auf steady unterstützen und exklusiv Bonus-Podcastfolgen plus Reisetagebuch plus Fotoalbum plus Videos genießen.Der MutMachPodCast auf InstagramDer neue chilenische Präsident José Antonio Kast und seine anständige FamilieSein Vater, der Auswanderer Michael KastSektenführer Paul SchäferPinochet-Diktatur und Colonia DgnidadDer BND und sein Nazi-Spitzel Walther RauffDer Vatikan und die RattenlinienChile und die Chicago BoysHier gehts direkt zu Suses Workshops Podcast Elefantenrunde mit Frank Stauss und HajoPauls Band Udo Butter und das TeamBücher:Suse SchumacherDie Psychologie des Waldes, Kailash Verlag, 2024Michael Meisheit + Hajo SchumacherLaufende Ermittlungen - großartige Krimi-Reihe mit dem Berliner Kommissar Peer Pedes.Band 1 und Band 2 erschienen bei Droemer Knaur. Band 3 kommt im Frühsommer 2026.Kostenlose Meditationen für mehr Freundlichkeit (Metta) und Gelassenheit (Reise zum guten Ort) unter suseschumacher.deWir bedanken uns bei Markus C. Hurek für das tolle Coverfoto. Hosted on Acast. See acast.com/privacy for more information.

This Friday Q&A episode tackles several thoughtful listener questions covering 401(k) investment choices, Roth conversion strategies, bond market fears, inherited IRA planning, and investment club mechanics. Don explains why opaque collective investment trusts and “cycle” funds often hide market-timing strategies, cautions against making large Roth conversions based on predictions about future tax rates, and reassures investors worried about inflation and national debt that markets already incorporate widely known risks. The episode closes with a practical endorsement of a listener's strategy to gradually withdraw from an inherited IRA to fund Roth contributions, emphasizing simplicity, discipline, and avoiding emotionally driven portfolio decisions. 0:04 Don realizes the intro still says “radio” even though the show is now mostly a podcast. 0:26 Friday Q&A format explained and reminder to submit questions at TalkingRealMoney.com. 1:00 Question 1: 33-year-old with $330k in a 401(k) invested in opaque “intermediate cycle” and wealth-preservation funds. 2:26 Don explains collective investment trusts (CITs) and why their lack of transparency is problematic. 5:25 Market-timing strategies disguised as “cycle” funds and why simple equity funds may be better. 6:47 Question 2: Listener corrects earlier discussion about transferring securities from investment clubs. 8:37 How in-kind transfers can avoid capital gains when leaving an investment club—depending on club rules and brokerage policies. 10:31 Question 3: Complex Roth conversion strategy involving IRMAA tiers and future tax assumptions. 14:31 Don warns against making large conversions based on predictions about future tax rates. 16:07 Why gradual conversions preserve flexibility compared with large upfront tax bets. 17:28 Question 4: Concern about national debt and whether to replace BND with VTIP (TIPS). 18:56 Don argues markets already price known risks like debt and inflation expectations. 20:11 How TIPS work and when they actually help investors. 21:46 Reminder that emotional reactions to economic fears often lead to bad portfolio decisions. 22:10 Question 5: Using withdrawals from an inherited IRA to fund Roth IRA contributions. 22:52 Strategy: withdraw gradually to fund Roth contributions while staying within tax brackets. 24:15 Don endorses the plan as simple, tax-efficient, and compliant with the 10-year inherited IRA rule. 25:09 Closing comments and reminder to submit questions. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode dives into the surprisingly emotional world of fixed income investing, exploring whether traditional bond funds like BND still make sense or if newer laddered bond ETFs offer a psychological edge by returning principal at a set maturity date. Don and Tom unpack how these ETFs compare to CD ladders, why capital gains should never be expected from bonds, and how investor psychology often drives the preference for “certainty.” They also congratulate Dimensional Fund Advisors on reaching $1 trillion in assets, discuss whether laddering target-date funds makes planning easier or just more complicated, and answer listener questions about transferring accounts from Morgan Stanley to Vanguard and managing tax consequences along the way. 0:04 Bonds vs. crypto — why fixed income feels boring but matters 1:02 Why bonds exist in portfolios (stability, income, not growth) 2:18 Introduction to laddered bond ETFs (Invesco, iShares, Vanguard) 3:51 Bond returns in 2025 and the “don't expect capital gains” rule 5:03 The psychological problem with bond funds (they never mature) 6:54 How target-maturity bond ETFs differ from traditional bond funds 11:28 Yield comparisons across laddered maturities vs. BND 13:14 When laddered ETFs might make sense (income timing, certainty) 15:09 Dimensional Fund Advisors reaches $1 trillion in assets 19:57 Listener: Laddering target-date funds instead of bonds 23:19 Listener: Transferring IRA and taxable accounts to Vanguard Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?This episode dives into the surprisingly emotional world of fixed income investing, exploring whether traditional bond funds like BND still make sense or if newer laddered bond ETFs offer a psychological edge by returning principal at a set maturity date. Don and Tom unpack how these ETFs compare to CD ladders, why capital gains should never be expected from bonds, and how investor psychology often drives the preference for “certainty.” They also congratulate Dimensional Fund Advisors on reaching $1 trillion in assets, discuss whether laddering target-date funds makes planning easier or just more complicated, and answer listener questions about transferring accounts from Morgan Stanley to Vanguard and managing tax consequences along the way.0:04 Bonds vs. crypto — why fixed income feels boring but matters1:02 Why bonds exist in portfolios (stability, income, not growth)2:18 Introduction to laddered bond ETFs (Invesco, iShares, Vanguard)3:51 Bond returns in 2025 and the “don't expect capital gains” rule5:03 The psychological problem with bond funds (they never mature)6:54 How target-maturity bond ETFs differ from traditional bond funds11:28 Yield comparisons across laddered maturities vs. BND13:14 When laddered ETFs might make sense (income timing, certainty)15:09 Dimensional Fund Advisors reaches $1 trillion in assets19:57 Listener: Laddering target-date funds instead of bonds23:19 Listener: Transferring IRA and taxable accounts to VanguardLearn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom tackle S&P 500 concentration risk and the dominance of the Magnificent Seven, explaining why diversification still matters despite compelling active management narratives. They clarify the difference between currency and investment in a pointed Bitcoin vs. U.S. dollar discussion, then pivot to fixed income strategy—highlighting why low-cost, large-scale bond funds like BND often outperform higher-fee “active” alternatives that quietly take more credit risk. Listener calls cover 401(k) catch-up contributions, bond ETF selection for retirement income planning, and whether using excess RMD funds for Roth conversions really adds value after taxes and IRMAA considerations. As always, the theme is disciplined investing over storytelling. 0:04 Technical chaos intro and why better investing still matters 1:32 S&P 500 concentration risk and the “Magnificent Seven” problem 2:40 The dangerous “but” in diversification pitches 3:43 Small, value, and momentum factors explained briefly 5:33 Active management as narrative creation 9:57 Bitcoin vs. U.S. dollar as currency vs. investment 13:29 What actually makes something an investment 15:08 Bond ETFs for retirement years 5–8: BND vs. Avantis 17:42 Why bond fund size and expenses matter 21:36 Active bond ETFs, credit risk, and hidden tradeoffs 25:38 401(k) catch-up contributions clarified 30:21 Roth conversions, RMD strategy, and tax math realities 34:09 IRMAA considerations and Medicare premium surprises Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?Don and Tom tackle S&P 500 concentration risk and the dominance of the Magnificent Seven, explaining why diversification still matters despite compelling active management narratives. They clarify the difference between currency and investment in a pointed Bitcoin vs. U.S. dollar discussion, then pivot to fixed income strategy—highlighting why low-cost, large-scale bond funds like BND often outperform higher-fee “active” alternatives that quietly take more credit risk. Listener calls cover 401(k) catch-up contributions, bond ETF selection for retirement income planning, and whether using excess RMD funds for Roth conversions really adds value after taxes and IRMAA considerations. As always, the theme is disciplined investing over storytelling.0:04 Technical chaos intro and why better investing still matters1:32 S&P 500 concentration risk and the “Magnificent Seven” problem2:40 The dangerous “but” in diversification pitches3:43 Small, value, and momentum factors explained briefly5:33 Active management as narrative creation9:57 Bitcoin vs. U.S. dollar as currency vs. investment13:29 What actually makes something an investment15:08 Bond ETFs for retirement years 5–8: BND vs. Avantis17:42 Why bond fund size and expenses matter21:36 Active bond ETFs, credit risk, and hidden tradeoffs25:38 401(k) catch-up contributions clarified30:21 Roth conversions, RMD strategy, and tax math realities34:09 IRMAA considerations and Medicare premium surprisesLearn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?In this Friday Q&A episode of Talking Real Money, Don tackles five thoughtful listener questions ranging from confusing 401(k) collective investment trusts and investment club withdrawals to Roth conversion strategies, inflation fears in bond portfolios, and inherited IRA planning. Along the way, he emphasizes transparency over opacity, flexibility over prediction, and discipline over emotion. Don pushes back against fear-driven investing decisions, cautions against large tax moves based on uncertain futures, explains when TIPS do (and don't) make sense, and praises a listener's smart inherited IRA-to-Roth strategy. Note: listener call audio has been enhanced with a new tool, making callers sound almost like they're in the studio. Let us know what you think.0:04 Podcast vs. radio intro, Friday Q&A format, and improved caller audio quality1:00 How listeners submit questions through TalkingRealMoney.com1:44 33-year-old with $330K in a 401(k) and confusing collective investment trusts4:26 Why “intermediate cycle” funds are market timing in disguise6:47 Investment club withdrawals and in-kind transfers after Schwab/TD merger9:23 Why there's no universal rule for investment club distributions9:58 Complex Roth conversion plan and IRMAA concerns14:31 Why large Roth conversions rely too heavily on tax predictions16:59 The case for slow, flexible, incremental conversions17:28 National debt fears and switching from BND to TIPS20:47 When TIPS actually help and why panic reallocations fail21:46 Emotional control as the core investing skill22:10 Inherited IRA strategy to fund Roth contributions24:15 Why spreading withdrawals over 10 years makes sense25:09 Listener growth, competition with Stacking Benjamins, and call to actionLearn more about your ad choices. Visit megaphone.fm/adchoices

In this Friday Q&A episode of Talking Real Money, Don tackles five thoughtful listener questions ranging from confusing 401(k) collective investment trusts and investment club withdrawals to Roth conversion strategies, inflation fears in bond portfolios, and inherited IRA planning. Along the way, he emphasizes transparency over opacity, flexibility over prediction, and discipline over emotion. Don pushes back against fear-driven investing decisions, cautions against large tax moves based on uncertain futures, explains when TIPS do (and don't) make sense, and praises a listener's smart inherited IRA-to-Roth strategy. Note: listener call audio has been enhanced with a new tool, making callers sound almost like they're in the studio. Let us know what you think. 0:04 Podcast vs. radio intro, Friday Q&A format, and improved caller audio quality 1:00 How listeners submit questions through TalkingRealMoney.com 1:44 33-year-old with $330K in a 401(k) and confusing collective investment trusts 4:26 Why “intermediate cycle” funds are market timing in disguise 6:47 Investment club withdrawals and in-kind transfers after Schwab/TD merger 9:23 Why there's no universal rule for investment club distributions 9:58 Complex Roth conversion plan and IRMAA concerns 14:31 Why large Roth conversions rely too heavily on tax predictions 16:59 The case for slow, flexible, incremental conversions 17:28 National debt fears and switching from BND to TIPS 20:47 When TIPS actually help and why panic reallocations fail 21:46 Emotional control as the core investing skill 22:10 Inherited IRA strategy to fund Roth contributions 24:15 Why spreading withdrawals over 10 years makes sense 25:09 Listener growth, competition with Stacking Benjamins, and call to action Learn more about your ad choices. Visit megaphone.fm/adchoices

Ein bislang geheimes Papier aus dem Bundeskanzleramt zeigt, wie die Zukunft des deutschen Auslandsnachrichtendienstes BND aussehen könnte. Gezielte Sabotageakte, Hacking und mehr Befugnisse für Massenüberwachung: So will die Bundesregierung den Bundesnachrichtendienst offenbar zu einem mächtigen Geheimdienst ausbauen. In dieser 11KM-Folge erzählt Florian Flade von der Recherchekooperation NDR, WDR und Süddeutscher Zeitung, wie sich die deutsche Spionagearbeit verändern würde, wenn der Entwurf so umgesetzt würde - auch angesichts der hybriden Bedrohung durch Russland. Werden BND-Spione bald zu einer Art James Bond? Alle Meldungen und Entwicklungen über den Bundesnachrichtendienst: https://www.tagesschau.de/thema/bnd In dieser früheren 11KM-Folge geht es um „Wettrüsten im Weltraum: Wer beherrscht das All? https://www.ardaudiothek.de/episode/urn:ard:episode:b429bdd5536c1ab8/ Hier geht es zu unserem Podcast-Tipp Plusminus "Wirtschaftsexperte zu Trump: Was Europa jetzt tun muss": https://1.ard.de/plusminus-feld?pc=11km Diese und viele weitere Folgen von 11KM findet ihr überall da, wo es Podcasts gibt, auch hier in der ARD Audiothek: https://www.ardaudiothek.de/sendung/11km-der-tagesschau-podcast/12200383/ An dieser Folge waren beteiligt: Folgenautor: Sebastian Schwarzenböck Mitarbeit: Marc Hoffmann Host: David Krause Produktion: Jonas Teichmann, Konrad Winkler, Timo Lindemann, Jürgen Kopp Planung: Caspar von Au und Hardy Funk Distribution: Kerstin Ammermann Redaktionsleitung: Yasemin Yüksel und Fumiko Lipp 11KM: der tagesschau-Podcast wird produziert von BR24 und NDR Info. Die redaktionelle Verantwortung für diese Episode liegt beim NDR.

Two great guests for the price of one yet again on the BND podcast!Our phenomenal host, Mike Slater, begins by speaking with Breitbart's World Editor, Frances Martel, about various international stories that are impacting the Trump 2.0 administration. You'll want to hear her thoughts on Venezuela, Iran, and beyond!Following that opener, Slater talks to U.S. Congressman Bryan Steil (R-WI-01) about his recently introduced legislation that would limit representatives like him from buying and selling in the U.S. stock market. Is this a good or bad idea? How likely is it to pass? All of this and more will be answered in another dynamic conversation! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Mehr Befugnisse für den BND? Über die geplante Reform sprechen wir mit dem Staatsrechtler Markus Ogorek. Außerdem geht es um den Rückzug der USA aus völkerrechtlichen Organisationen.

Der Tag in 2 Minuten – vom 19.12.

Das Kanzleramt will den Bundesnachrichtendienst stärken. Der Plan: Die Agentinnen und Agenten des BND sollen auch Verbrechen im Ausland begehen dürfen.

Questions? Comments?A holiday-flavored Friday Q&A that covers a lot of ground without selling a single candy cane. Don answers listener questions on Medicare vs. Medicare Advantage (and the IRMAA buzzsaw), how to safely reposition an elderly parent's taxable account, whether to ditch target-date funds for a DIY equity portfolio, how to think about international small-cap ETFs, why teaching kids to pick stocks is a terrible idea, and what to expect when a “free portfolio review” comes from a company whose name literally includes the word annuity. Skeptical, practical, and very on-brand.0:17 Corny holiday Q&A musical intro and setup0:33 Friday Q&A format, how questions get on the show, and holiday vibe2:00 Medicare vs. Medicare Advantage, IRMAA penalties, and why private insurers are exhausting3:37 Why capital gains can make Medicare shockingly expensive4:15 The profit motive problem with Medicare Advantage plans4:37 Question transition and listener call-in reminder5:43 Managing an 82-year-old's taxable account: safety vs. yield6:18 Why bond funds like BND diversify interest-rate risk better than savings accounts7:15 CD ladders: how they work and why discipline matters7:39 Treasury funds vs. total bond funds for capital preservation7:47 Closing thoughts on preservation-focused portfolios8:52 Target-date funds vs. DIY 401(k) portfolios9:20 Glide paths, rebalancing, and what target-date funds do well10:35 100% equity risk, volatility, and why down markets help accumulators10:53 Choosing between AVDV and AVES (international small value vs. emerging markets)11:47 Why the correct answer is often “both”12:33 Teaching high school students about investing13:52 Why stock-picking education reinforces a dangerous myth14:28 Luck vs. skill and the evidence against beating the market15:39 Index funds, market efficiency, and investor behavior16:49 Morningstar vs. other research tools17:18 Empower's “free portfolio review” and what might be coming next18:06 Portfolio concentration concerns and tech exposure19:33 Humor break and annuity skepticism20:55 What Empower actually is and what that implies21:16 Empower as an RIA and how to treat their recommendations21:52 Getting a second opinion from a fee-only advisor22:58 Thanks, holiday wrap-up, and call for more questionsLearn more about your ad choices. Visit megaphone.fm/adchoices

A holiday-flavored Friday Q&A that covers a lot of ground without selling a single candy cane. Don answers listener questions on Medicare vs. Medicare Advantage (and the IRMAA buzzsaw), how to safely reposition an elderly parent's taxable account, whether to ditch target-date funds for a DIY equity portfolio, how to think about international small-cap ETFs, why teaching kids to pick stocks is a terrible idea, and what to expect when a “free portfolio review” comes from a company whose name literally includes the word annuity. Skeptical, practical, and very on-brand. 0:17 Corny holiday Q&A musical intro and setup 0:33 Friday Q&A format, how questions get on the show, and holiday vibe 2:00 Medicare vs. Medicare Advantage, IRMAA penalties, and why private insurers are exhausting 3:37 Why capital gains can make Medicare shockingly expensive 4:15 The profit motive problem with Medicare Advantage plans 4:37 Question transition and listener call-in reminder 5:43 Managing an 82-year-old's taxable account: safety vs. yield 6:18 Why bond funds like BND diversify interest-rate risk better than savings accounts 7:15 CD ladders: how they work and why discipline matters 7:39 Treasury funds vs. total bond funds for capital preservation 7:47 Closing thoughts on preservation-focused portfolios 8:52 Target-date funds vs. DIY 401(k) portfolios 9:20 Glide paths, rebalancing, and what target-date funds do well 10:35 100% equity risk, volatility, and why down markets help accumulators 10:53 Choosing between AVDV and AVES (international small value vs. emerging markets) 11:47 Why the correct answer is often “both” 12:33 Teaching high school students about investing 13:52 Why stock-picking education reinforces a dangerous myth 14:28 Luck vs. skill and the evidence against beating the market 15:39 Index funds, market efficiency, and investor behavior 16:49 Morningstar vs. other research tools 17:18 Empower's “free portfolio review” and what might be coming next 18:06 Portfolio concentration concerns and tech exposure 19:33 Humor break and annuity skepticism 20:55 What Empower actually is and what that implies 21:16 Empower as an RIA and how to treat their recommendations 21:52 Getting a second opinion from a fee-only advisor 22:58 Thanks, holiday wrap-up, and call for more questions Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?A lively Friday Q&A episode tackling listener questions about FSAs vs. 401(k) contributions, BND vs. BKAG bond funds, intermediate-term bonds vs. CD ladders, Avantis fund-of-funds fees and structure, and the financial implications of New York City's newly elected socialist mayor. The show blends practical investing guidance with jokes about annuity-salesperson Halloween costumes and a detour into political fears vs. economic realities.0:04 Opening, Friday Q&A setup, thanks to Tom's grandkids0:44 Listener FSA dilemma and choosing between FSA funding or 401k3:01 Why FSAs are painful and why a 401k wins when choosing one or the other5:57 Comparing BND and BKAG bond funds, holdings, universe, credit quality9:01 Listener joke: “scariest Halloween costume is an annuity salesperson”9:55 Moving CD-ladder money to VGIT or BIV; differences and trade-offs12:22 Thoughts on iShares LifePath target-date ETF (ITDC)12:33 Why Avantis fund-of-funds exist and whether you pay double fees15:36 Underlying fund costs inside AVGE and how the total expense ratio works16:21 Question about NYC's new socialist mayor and financial impact fears17:54 Walking through political fears vs. practical economic reality21:55 Why one politician can't radically reshape a city's economic fateLearn more about your ad choices. Visit megaphone.fm/adchoices

A lively Friday Q&A episode tackling listener questions about FSAs vs. 401(k) contributions, BND vs. BKAG bond funds, intermediate-term bonds vs. CD ladders, Avantis fund-of-funds fees and structure, and the financial implications of New York City's newly elected socialist mayor. The show blends practical investing guidance with jokes about annuity-salesperson Halloween costumes and a detour into political fears vs. economic realities. 0:04 Opening, Friday Q&A setup, thanks to Tom's grandkids 0:44 Listener FSA dilemma and choosing between FSA funding or 401k 3:01 Why FSAs are painful and why a 401k wins when choosing one or the other 5:57 Comparing BND and BKAG bond funds, holdings, universe, credit quality 9:01 Listener joke: “scariest Halloween costume is an annuity salesperson” 9:55 Moving CD-ladder money to VGIT or BIV; differences and trade-offs 12:22 Thoughts on iShares LifePath target-date ETF (ITDC) 12:33 Why Avantis fund-of-funds exist and whether you pay double fees 15:36 Underlying fund costs inside AVGE and how the total expense ratio works 16:21 Question about NYC's new socialist mayor and financial impact fears 17:54 Walking through political fears vs. practical economic reality 21:55 Why one politician can't radically reshape a city's economic fate Learn more about your ad choices. Visit megaphone.fm/adchoices

Don fields a full slate of listener questions on everything from SGOV vs. high-yield savings accounts to the differences between AVUV and DFSV, why international stocks belong in a portfolio (but shouldn't dominate it), and whether equal-weighted funds solve the “Magnificent 7” concentration problem. He digs into target-date and bond-fund suitability for short-term money, clarifies what “rules-based” really means for Avantis and Dimensional, and gently deflates misconceptions about long-term international outperformance. Along the way he riffs on talk radio's decline, teases Tom's dad jokes, and reinforces the core message: diversify, know your time horizons, and don't overthink what good academic research already tells us. 0:04 Don opens Q&A Friday and reflects on radio's slow fade 2:20 SGOV vs. high-yield savings accounts for emergency cash 5:13 Why AVUV and DFSV only overlap ~40% despite similar factors 8:43 Which fund is “wilder”: AVUV vs. DFA small value 9:54 Why international stocks belong in a portfolio—but not overweighted 11:41 Long-term U.S. vs. international return history 14:51 S&P 500 concentration and equal-weight ETF considerations 18:44 Equal-weight vs. small-value tilt vs. rules-based funds 20:07 Where to put 2–3 year money: savings, CDs, BND, or a near-dated target-date fund? 23:13 Better language than “active”: rules-based vs. systematic Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?Don fields a full slate of listener questions on everything from SGOV vs. high-yield savings accounts to the differences between AVUV and DFSV, why international stocks belong in a portfolio (but shouldn't dominate it), and whether equal-weighted funds solve the “Magnificent 7” concentration problem. He digs into target-date and bond-fund suitability for short-term money, clarifies what “rules-based” really means for Avantis and Dimensional, and gently deflates misconceptions about long-term international outperformance. Along the way he riffs on talk radio's decline, teases Tom's dad jokes, and reinforces the core message: diversify, know your time horizons, and don't overthink what good academic research already tells us.0:04 Don opens Q&A Friday and reflects on radio's slow fade2:20 SGOV vs. high-yield savings accounts for emergency cash5:13 Why AVUV and DFSV only overlap ~40% despite similar factors8:43 Which fund is “wilder”: AVUV vs. DFA small value9:54 Why international stocks belong in a portfolio—but not overweighted11:41 Long-term U.S. vs. international return history14:51 S&P 500 concentration and equal-weight ETF considerations18:44 Equal-weight vs. small-value tilt vs. rules-based funds20:07 Where to put 2–3 year money: savings, CDs, BND, or a near-dated target-date fund?23:13 Better language than “active”: rules-based vs. systematicLearn more about your ad choices. Visit megaphone.fm/adchoices

Brenden Schaeffer discusses a recent report from Jeff Jones detailing the landscape for the Cardinals entering trade possibilities for each of their big three veteran players with no-trade clauses and hefty contracts.For full context for this conversation, read the article in the BND here: https://www.bnd.com/sports/mlb/st-louis-cardinals/article312863194.html

Questions? Comments?Tom kicks off with a check-in on bond market returns, reminding listeners that bonds are about stability, not yield-chasing. He's joined by advisor Roxy Butner, who helps answer listener questions about fixed-allocation vs. target-date funds, how much international exposure is enough, Ameriprise “CL” fund share classes with high fees, and whether hybrid long-term care annuity products are worth considering. Together they emphasize cost awareness, simplicity, and aligning investments with real-life needs instead of sales-driven products.0:04 Intro and bond returns update (BND, DFIGX, SWSBX)2:30 Why bonds belong in portfolios despite modest returns2:47 Mailbag intro with Roxy Butner3:13 Shelly asks about fixed-allocation vs target-date funds5:34 Balanced vs LifeStrategy funds and international exposure7:01 Frank asks about U.S. vs international allocation split8:23 AVGE, DFAW, and “overthinking” the international percentage10:39 Decades of U.S. vs international performance11:15 Angie asks about Ameriprise “CL” fund share classes13:32 Expense ratios and fiduciary concerns14:54 Comparing low-cost index alternatives15:18 Ford asks about hybrid LTC annuity products17:30 Income planning first vs peeling off money for LTC18:34 Real-life client experiences with LTC riders20:33 Policy complexity, surrender decisions, and care costsLearn more about your ad choices. Visit megaphone.fm/adchoices

Tom kicks off with a check-in on bond market returns, reminding listeners that bonds are about stability, not yield-chasing. He's joined by advisor Roxy Butner, who helps answer listener questions about fixed-allocation vs. target-date funds, how much international exposure is enough, Ameriprise “CL” fund share classes with high fees, and whether hybrid long-term care annuity products are worth considering. Together they emphasize cost awareness, simplicity, and aligning investments with real-life needs instead of sales-driven products. 0:04 Intro and bond returns update (BND, DFIGX, SWSBX) 2:30 Why bonds belong in portfolios despite modest returns 2:47 Mailbag intro with Roxy Butner 3:13 Shelly asks about fixed-allocation vs target-date funds 5:34 Balanced vs LifeStrategy funds and international exposure 7:01 Frank asks about U.S. vs international allocation split 8:23 AVGE, DFAW, and “overthinking” the international percentage 10:39 Decades of U.S. vs international performance 11:15 Angie asks about Ameriprise “CL” fund share classes 13:32 Expense ratios and fiduciary concerns 14:54 Comparing low-cost index alternatives 15:18 Ford asks about hybrid LTC annuity products 17:30 Income planning first vs peeling off money for LTC 18:34 Real-life client experiences with LTC riders 20:33 Policy complexity, surrender decisions, and care costs Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?This lively episode of Talking Real Money features trivia-packed investing fun, smart listener questions, and sharp commentary from Don and Tom. They dive into a Wall Street Journal quiz on investing genius, exploring surprising historical returns and market myths. Listener calls span a range of financial planning topics—from special needs trusts and Roth IRAs for kids to emergency fund placement and ETF selection.0:04 Don and Tom banter about working weekends and boomers in the office1:55 Wall Street Journal quiz: Are you a stock market genius?3:20 Which stock created the most wealth in 100 years? (Hint: it wasn't Apple)4:19 Why Altria (Philip Morris) beat the rest5:31 Berkshire Hathaway drops 99%—would Buffett still beat the market?6:37 Show mission: make investing simple, not complex8:28 Caller Valerie: Investing for a daughter with disabilities using Vanguard ETFs10:24 Portfolio review and discussion of special needs trusts11:20 Structuring brokerage accounts with trust beneficiaries13:31 Caller Steve: Roth IRAs for sons, target date vs. all-equity funds14:36 Tom critiques Schwab's target date funds—Vanguard preferred16:20 Future value of $10K over 50 years at 10%—retirement math17:20 Caller Sam: Can he gift stock into a Roth IRA? (Spoiler: No, but workarounds exist)18:59 Economist “Felicity Foresight” exercise—guess the ending balance after 100 years of perfect timing20:34 The shocking power of compound returns: $10 quintillion22:15 Geography jokes, the U.S. “Middle East,” and why cruises go to Juneau23:39 Written Question (Bruce): Keeping emergency funds in a Schwab money market fund25:10 Online bank trust vs. FDIC insurance—why it's safe27:51 Don calls Tom a “premature curmudgeon”28:30 Caller West: Should he add SGOV to his BND bond portfolio?29:52 BND vs SGOV explained—behavior during rate changes30:37 Back to WSJ quiz: investing trivia and early company names31:31 Bezos almost named Amazon “Kadabra”; Google was almost “Backrub”33:20 What's a googol? And why Google isn't even the biggest number34:48 Shoeshine story: how Joe Kennedy dodged the ‘29 crash36:39 Caller Diana: Investing for four grandkids—gold coins vs stocks38:41 Why diversified ETFs beat Boeing stock or gold coinsLearn more about your ad choices. Visit megaphone.fm/adchoices

This lively episode of Talking Real Money features trivia-packed investing fun, smart listener questions, and sharp commentary from Don and Tom. They dive into a Wall Street Journal quiz on investing genius, exploring surprising historical returns and market myths. Listener calls span a range of financial planning topics—from special needs trusts and Roth IRAs for kids to emergency fund placement and ETF selection. 0:04 Don and Tom banter about working weekends and boomers in the office 1:55 Wall Street Journal quiz: Are you a stock market genius? 3:20 Which stock created the most wealth in 100 years? (Hint: it wasn't Apple) 4:19 Why Altria (Philip Morris) beat the rest 5:31 Berkshire Hathaway drops 99%—would Buffett still beat the market? 6:37 Show mission: make investing simple, not complex 8:28 Caller Valerie: Investing for a daughter with disabilities using Vanguard ETFs 10:24 Portfolio review and discussion of special needs trusts 11:20 Structuring brokerage accounts with trust beneficiaries 13:31 Caller Steve: Roth IRAs for sons, target date vs. all-equity funds 14:36 Tom critiques Schwab's target date funds—Vanguard preferred 16:20 Future value of $10K over 50 years at 10%—retirement math 17:20 Caller Sam: Can he gift stock into a Roth IRA? (Spoiler: No, but workarounds exist) 18:59 Economist “Felicity Foresight” exercise—guess the ending balance after 100 years of perfect timing 20:34 The shocking power of compound returns: $10 quintillion 22:15 Geography jokes, the U.S. “Middle East,” and why cruises go to Juneau 23:39 Written Question (Bruce): Keeping emergency funds in a Schwab money market fund 25:10 Online bank trust vs. FDIC insurance—why it's safe 27:51 Don calls Tom a “premature curmudgeon” 28:30 Caller West: Should he add SGOV to his BND bond portfolio? 29:52 BND vs SGOV explained—behavior during rate changes 30:37 Back to WSJ quiz: investing trivia and early company names 31:31 Bezos almost named Amazon “Kadabra”; Google was almost “Backrub” 33:20 What's a googol? And why Google isn't even the biggest number 34:48 Shoeshine story: how Joe Kennedy dodged the ‘29 crash 36:39 Caller Diana: Investing for four grandkids—gold coins vs stocks 38:41 Why diversified ETFs beat Boeing stock or gold coins Learn more about your ad choices. Visit megaphone.fm/adchoices