Podcasts about Caps

Have you built yourself a business… or accidentally built yourself a very demanding job?   In today's episode, I share why owner dependency is holding your business back and how to build a business that can thrive without you.   Full shownotes at https://clarewood.com/podcast/episode382/

The chip market starts the week licking its wounds after a swift descent over the last few days. Earnings from Alphabet and Intel in a few days are the next major keystones. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.  Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0131-0726) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

July 20, 2026 ~ Chris Renwick, Lloyd Jackson, and Jamie Edmonds discuss Jamie's inspiring cancer journey. Her honest podcast continues to provide purpose and support for those navigating the challenges of treatment and beyond. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

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The World Cup is nearing its denouement, which means that Major League Soccer is reigniting their engines. (Maybe that's just adding to the poor air quality around here lately.) FC Cincinnati's first opponent after the long break? Vancouver Whitecaps FC, the head honchos of the Western Conference. The Caps got a surprising reprieve on Thursday after their match with Chicago was put on hold due to the environment. However, that just means the squad gets extra rest before Wednesday's matchup. To know more about our opponent, we talk with soccer commentator and reporter Michael McColl from the "Away From The Numbers" podcast and website. Michael gives us a better look at how Jesper Sørensen has prepared his club for the long run. Considering what the state of Ohio had gone through, perhaps he can also shine a brighter light on the #SaveTheCaps campaign as well. Tune in and trade threads with us! #MLS #FCCincinnati #soccer Become a Patron! Subscribe to Cincinnati Soccer Talk Don't forget you can now download and subscribe to Cincinnati Soccer Talk on iTunes today! The podcast can also be found on Stitcher Smart Radio now. We're also available in the Google Play Store and NOW ON SPOTIFY! As always we'd love your feedback about our podcast! You can email the show at feedback@cincinnatisoccertalk.com. We'd love for you to join us on our Facebook page as well! Like us at Facebook.com/CincinnatiSoccerTalk.

AEI's Andrew Biggs, CRFB's Marc Goldwein and CBPP's Kathleen Romig break down what Social Security's “crisis” really means—because it's not simply “bankruptcy.” The core issue is a funding timing problem: the program's trust fund is projected to run down, and by around 2032, there likely won't be enough dedicated revenue to pay the full level of scheduled benefits.

National says Labour must take a clear stance on rates caps, with the Government planning to introduce legislation before the election. Labour's Chris Hipkins has told Newstalk ZB his party's yet to decide on a position. He says the policy is "good retail politics" but adds councils will need ways to fund core services. Local Government Minister Simon Watts told Mike Hosking they want to make sure that when they implement a policy, it's enduring and there is certainty for businesses and households. He says the problem is that Labour has previously indicated that they would vote against the legislation, but are now saying they don't have a position. Watts says he just wants to know where they stand on this. LISTEN ABOVE See omnystudio.com/listener for privacy information.

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We are back after a busy weekend with party bus crashes, things girls do, brutal losses and humorous reactions. We hear about the bald cap world record, play Can’t Beat Cass, and hear how Anthony ended up in some briefs on accident. We get down with The Sticks and Balls Report, hear about a sandy popsicle, and have a double dose of dog weirdness. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

Mr Worldwide! Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

The Caps made six signings in the first 48 hours of free agency…but none bigger than the re-up of Alex Ovechkin to a one-year deal! We look into Ovi's return, as well as hear from newly-acquired Alex Tuch, on this week's Best of Capitals!

The Caps made six signings in the first 48 hours of free agency…but none bigger than the re-up of Alex Ovechkin to a one-year deal! We look into Ovi's return, as well as hear from newly-acquired Alex Tuch, on this week's Best of Capitals!

The Caps made six signings in the first 48 hours of free agency…but none bigger than the re-up of Alex Ovechkin to a one-year deal! We look into Ovi's return, as well as hear from newly-acquired Alex Tuch, on this week's Best of Capitals!

The Caps made six signings in the first 48 hours of free agency…but none bigger than the re-up of Alex Ovechkin to a one-year deal! We look into Ovi's return, as well as hear from newly-acquired Alex Tuch, on this week's Best of Capitals!

You've probably noticed it at the pump: no more twisting off a grimy gas cap, no more second-guessing whether it clicked tight enough, and fewer random check engine lights tied to EVAP leaks. We dig into the real reasons capless fuel systems took over, from tighter emissions standards and better vapor sealing to cleaner fueling, added security through the locking system, and smart designs that help prevent misfueling with the wrong nozzle. We also talk honestly about the drawbacks drivers report, like worn pump nozzles that don't always seal perfectly and the occasional premature shutoff during fueling.Then we hit the fun stuff that makes car culture so addictive. NASCAR success doesn't stay on the track, it shows up in real estate: castle-like mansions, pirate-themed escapes, trophy-room garages, equestrian estates, and big-city condos with luxury finishes. It's a quick tour of how speed, sponsors, and wins can turn into some truly wild housing choices.We round it out with a rapid-fire mix of engineering and ownership tips: standout U.S. tunnels and what makes them historic, futuristic regenerative tires that aim to replenish tread using smart materials, and a practical guide to car battery shopping with cold cranking amps and warranty realities in mind. Plus, a nostalgic deep dive into white letter tires, how raised lettering differs from painted letters, and what it takes to keep them looking sharp.If you like smart car talk with facts, laughs, and usable takeaways, subscribe, share this with a friend who lives at the gas pump, and leave a review so more drivers can find us.Be sure to subscribe for more In Wheel Time Car Talk!----  ----- Want more In Wheel Time car talk any time?     In Wheel Time is now available on Audacy!  Just go to Audacy.com/InWheelTime where ever you are.-----   -----Be sure to subscribe on your favorite podcast provider for the next episode of In Wheel Time Podcast and check out our live multiplatform broadcast every Saturday, 10a - 12nCT simulcasting on Audacy, YouTube, Facebook, Twitter, Twitch and InWheelTime.com.In Wheel Time Podcast can be heard on you mobile device from providers such as:Apple Podcasts, Amazon Music Podcast, Spotify, SiriusXM Podcast, iHeartRadio podcast, TuneIn + Alexa, Podcast Addict, Castro, Castbox, YouTube Podcast and more on your mobile device.Follow InWheelTime.com for the latest updates!Twitter: https://twitter.com/InWheelTimeInstagram: https://www.instagram.com/inwheeltime/https://www.youtube.com/inwheeltimehttps://www.Facebook.com/InWheelTimeFor more information about In Wheel Time Podcast, email us at info@inwheeltime.com

At the NATO summit on Wednesday, Donald Trump lashed out wildly at, well, everyone in sight. He threatened more war with Iran. He angrily vowed to cut off all trade with Spain. He hinted again at stealing Greenland. There were many other pratfalls. Amid all this, a Danish journalist had an extraordinary confrontation with NATO Secretary General Mark Rutte, asking him point blank: What does sitting next to Trump and praising him while he viciously attacks allies, threatens to take whole countries by conquest, and unleashes wildly destructive trade wars do to your “self-respect”? In an understated way, it was a crushing takedown of Trump, treating him as a ludicrous, sidelined figure while essentially saying: All that matters is how the rest of us react to this lunatic. We talked to foreign policy expert Elizabeth Saunders. She explains how deep and lasting Trump's damage to the alliance will be, how our NATO allies are quietly managing Trump with flattery until he's gone, and how they're even trying to “de-Americanize”—that is, move on into the future without us. Learn more about your ad choices. Visit megaphone.fm/adchoices

At the NATO summit on Wednesday, Donald Trump lashed out wildly at, well, everyone in sight. He threatened more war with Iran. He angrily vowed to cut off all trade with Spain. He hinted again at stealing Greenland. There were many other pratfalls. Amid all this, a Danish journalist had an extraordinary confrontation with NATO Secretary General Mark Rutte, asking him point blank: What does sitting next to Trump and praising him while he viciously attacks allies, threatens to take whole countries by conquest, and unleashes wildly destructive trade wars do to your “self-respect”? In an understated way, it was a crushing takedown of Trump, treating him as a ludicrous, sidelined figure while essentially saying: All that matters is how the rest of us react to this lunatic. We talked to foreign policy expert Elizabeth Saunders. She explains how deep and lasting Trump's damage to the alliance will be, how our NATO allies are quietly managing Trump with flattery until he's gone, and how they're even trying to “de-Americanize”—that is, move on into the future without us.  Looking for More from the DSR Network? Click Here: https://linktr.ee/deepstateradio Learn more about your ad choices. Visit megaphone.fm/adchoices

At the NATO summit on Wednesday, Donald Trump lashed out wildly at, well, everyone in sight. He threatened more war with Iran. He angrily vowed to cut off all trade with Spain. He hinted again at stealing Greenland. There were many other pratfalls. Amid all this, a Danish journalist had an extraordinary confrontation with NATO Secretary General Mark Rutte, asking him point blank: What does sitting next to Trump and praising him while he viciously attacks allies, threatens to take whole countries by conquest, and unleashes wildly destructive trade wars do to your “self-respect”? In an understated way, it was a crushing takedown of Trump, treating him as a ludicrous, sidelined figure while essentially saying: All that matters is how the rest of us react to this lunatic. We talked to foreign policy expert Elizabeth Saunders. She explains how deep and lasting Trump's damage to the alliance will be, how our NATO allies are quietly managing Trump with flattery until he's gone, and how they're even trying to “de-Americanize”—that is, move on into the future without us. Learn more about your ad choices. Visit megaphone.fm/adchoices

Stan Wong, portfolio manager at Scotia Wealth Management, shares his outlook on North American Large Caps & ETFs.

Zeng Guofan goes to war to defend a fixed universe – and nearly drowns proving how unfixed his own place in it actually is. Across a single year, Hunan's most unlikely general brutally finds out that he is indeed no warrior, and consequentially must rebuild a river fleet from nothing... all while the Taiping's own capital is spared only my a mix-up with the date. By December, the Yangtze has changed hands – and a nervous throne has just learned exactly how dangerous a loyal army, and the man who built it, can become... and exactly how briefly gratitude lasts. Time Period Covered: Feb. – Dec. 1854 CE Major Historical Figures: Taiping Heavenly Kingdom: Hong Xiuquan, the Heavenly King [1814–1864] Yang Xiuqing, the East King [c. 1821–1856] Wei Changhui, the North King [1823–1856] Qin Rigang, the Yan King [1821–1856] Shi Dakai, the Wing King [1831–1863] Qing Dynasty: The Xianfeng Emperor (Aisin-Gioro Yinzhu) [r. 1850–1861] Zeng Guofan, founder of the Xiang Army [1811–1872] Taqibu, Manchu commander of the Xiang Army's land forces [d. 1855] Peng Yulin, co-founder of the Xiang Army's naval forces [1816–1890] Zhang Shoulin, aide who pulled Zeng Guofan from the Xiang River at Jinggang Major Sources Cited: Michael, Franz, and Chang Chung-li. The Taiping Rebellion: History and Documents, Vol. I. Platt, Stephen R. Autumn in the Heavenly Kingdom. Spence, Jonathan D. God's Chinese Son: The Taiping Heavenly Kingdom of Hong Xiuquan. Kuhn, Philip A. "The Taiping Rebellion." The Cambridge History of China, Vol. 10. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Great Eight is officially back for a historic 22nd season, signing a one-year deal to return to a heavily revamped Washington Capitals squad. We break down what this contract structure looks like and how Ovechkin's role will evolve alongside a newly injected wave of offensive depth.

Sammi Silber, Spencer Nusbaum, and Chris Russell joins the Beltway Blitz.

The Great Eight is officially back for a historic 22nd season, signing a one-year deal to return to a heavily revamped Washington Capitals squad. We break down what this contract structure looks like and how Ovechkin's role will evolve alongside a newly injected wave of offensive depth.

The CopDoc Podcast - Season 10 - Episode 174Unlock the secret to transforming police leadership from the front lines. Dr. Robin Engel shares how dedicated research and real-world experience are reshaping police training and community trust—yet the journey is anything but easy.In this powerful conversation, Robin reveals how her personal history fuels her relentless drive to improve policing—highlighting pivotal moments like her role in Cincinnati's reform after a tragic officer-involved shooting. You'll discover her innovative approach to data-driven policing, the critical importance of first-line supervisors, and why understanding and empowering the backbone of police organizations can prevent crises before they happen.We break down:How accreditation standards and evidence-based practices guide meaningful reformThe role of a national consortium, CAPS, in strengthening frontline supervision across diverse agenciesWhy a police officer's most vital asset is the support from their superior, and how training gaps undermine safety and moraleThe surprising insights from body cam analysis, AI, and administrative data that actually improve decision-making in the fieldRobin's leadership lessons on uniting community, academia, and police during moments of crisisThere's a stark warning here: neglecting frontline supervisors and evidence-based strategies leaves departments vulnerable to the chaos of the next crisis. Conversely, building a culture of continuous learning and local leadership means resilient, safer communities. Robin's heartfelt story of overcoming skepticism and her unwavering commitment to impactful reform is an essential listen for anyone determined to make policing better.Perfect for police officers, administrators, researchers, and community advocates eager to innovate and bridge the divide between theory and practice. Robin Engel, a renowned professor at Ohio State University and a leader in policing reform, exemplifies the power of knowledge turned into action, making this episode a vital blueprint for meaningful change.Hey there! Send us a message. Who else should we be talking to? What topics are important? Use FanMail to connect! Let us know!Contact us: copdoc.podcast@gmail.com Website: www.copdocpodcast.comIf you'd like to arrange for facilitated training, or consulting, or talk about steps you might take to improve your leadership and help in your quest for promotion, contact Steve at stephen.morreale@gmail.comHey there! Send us a message. Who else should we be talking to? What topics are important? Use FanMail to connect! Let us know!Contact us: copdoc.podcast@gmail.com Website: www.copdocpodcast.comIf you'd like to arrange for facilitated training, or consulting, or talk about steps you might take to improve your leadership and help in your quest for promotion, contact Steve at stephen.morreale@gmail.com

The Great Eight is officially back for a historic 22nd season, signing a one-year deal to return to a heavily revamped Washington Capitals squad. We break down what this contract structure looks like and how Ovechkin's role will evolve alongside a newly injected wave of offensive depth.

The Great Eight is officially back for a historic 22nd season, signing a one-year deal to return to a heavily revamped Washington Capitals squad. We break down what this contract structure looks like and how Ovechkin's role will evolve alongside a newly injected wave of offensive depth.

Alex Ovechkin is back officially with the Caps, and we react to his presser from today. Plus, some Brandon Aiyuk talk (of course) and prep for USA vs. Belgium tonight in the World Cup!

- Beltway Blitz: Nats, Caps, Commanders - Reacting to Flo Balogun's suspension being lifted - Does Flo Balogun's availability change how you feel about tonight's US game?

Dave Jageler, Mike Vogel, and David Harrison join the Beltway Blitz

Someone put an IUL illustration in front of you. Maybe it was pitched as "market upside with no downside." Maybe as a "Roth IRA on steroids." Maybe as a way to "be your own bank." And now you're trying to figure out whether any of that holds up, or whether whole life, term, or a Roth IRA actually makes more sense. There's one question that organizes all of it: who carries the risk? With whole life, the insurance company carries it. With an IUL, the risk shifts to you. Everything else in this comparison follows from that single distinction: cost structure, cash value reliability, policy loans, and retirement income. https://youtu.be/JxJqweiyXwU This article covers IUL vs. whole life, IUL vs. term life, IUL vs. a Roth IRA, and the narrow case where an IUL is actually the right call. The goal isn't to tell you IUL is bad. It's to help you see clearly what you're choosing and what job you're asking it to do. Key TakeawaysWhere Does the Risk Live?What's guaranteed vs. what's projectedIUL vs. Whole Life: The Core ComparisonThe cost-of-insurance problemThe 0% floor misunderstandingCaps, participation rates, and spreadsEndowmentLapse ratesIUL vs. Term Life: Two Very Different JobsIUL vs. Roth IRA: The "Tax-Free Income" Pitch, ExaminedWhy IUL Falls Short for Infinite BankingThe double-dip problemLoans on an unstable baseSimplicity vs. active managementWhen an IUL Actually Makes SenseThe Right Tool for the Job You Actually HaveFrequently Asked QuestionsWhat is the main difference between IUL and whole life insurance?Is IUL better than whole life for Infinite Banking?Is an IUL better than term life insurance?Is an IUL a good alternative to a Roth IRA?Can you lose money in an IUL even with the 0% floor? Key Takeaways Whole life offers three contractual guarantees: guaranteed death benefit, guaranteed cash value, and guaranteed premiums that will never increase. An IUL uses flexible premiums, a variable cost of insurance, and index-linked crediting subject to caps, participation rates, and spreads the insurer can adjust annually. The "zero is your hero" floor only protects against negative index crediting. It doesn't protect against cash value declining due to rising internal costs. IUL is structurally incompatible with Infinite Banking, which requires guarantees. The risk you're trying to move off your shoulders needs to land somewhere solid. IUL can make sense for a narrow, specific purpose, but that purpose is not banking. Where Does the Risk Live? Both products are permanent life insurance. Both build cash value. Both offer tax advantages. That's exactly why people assume they're interchangeable, and exactly why the distinction matters so much. With whole life insurance, the risk of delivering on the policy's promises sits inside the insurance company. You pay your premium. They handle everything else. With an IUL, that risk shifts to you, through index performance, variable costs, and a contract the insurer can adjust every year. Here's a quick test: look at the contract length. A whole life contract is often 50 to 80 percent shorter than a universal life contract. The extra pages are disclosures explaining all the ways the insurer is not responsible, because that responsibility has moved to the index and to you.  On whole life, only you can make changes within the contract's provisions. The insurer can't touch your maximum premium, your guaranteed death benefit, or your guaranteed cash value.  On an IUL, the insurer can change cap rates, participation rates, spreads, and required premiums at each anniversary date. That's not a loophole. It's in the contract. What's guaranteed vs. what's projected Whole LifeIULDeath benefitGuaranteedConditional on continued fundingCash valueGuaranteed minimum dollar amountProjected, not guaranteedPremiumsFixed, will never increaseFlexible; insurer can require moreGrowthGuaranteed rate + non-guaranteed dividendsIndex-linked crediting, subject to caps and adjustable annuallyWho manages itThe insurerYouWho carries the riskThe insurance companyMore risk shifted to the policyholder Nelson Nash, the founder of the Infinite Banking Concept, was direct about this: never use a universal life product to take the banking function into your life. A bank runs on guarantees. The insurance product acting as your bank should too. IUL vs. Whole Life: The Core Comparison Whole life is built on guarantees. An IUL is built on a projection. That's the practical difference between knowing your cash value five years from now and running an illustration that depends on index performance, rising costs, and terms the insurer can revise annually. The cost-of-insurance problem Whole life spreads the mortality cost evenly across the life of the policy. It endows at age 120 or 121, so the math is known, the premium is level, and it's fixed from day one. An IUL uses annual renewable term costs that increase every year. Cheap early, expensive later. As you age, that rising cost eats into cash value faster. If the index underperforms, the insurer can require more premium to keep the policy alive, or it lapses. The 0% floor misunderstanding "Zero is your hero" implies you can't lose money. What it actually means is that index crediting won't go negative. But the policy's internal costs still come out: rising cost of insurance, fees, and charges. In a flat year, your cash value can decline even though the index "didn't lose." A floor on crediting is not a floor on cash value. Caps, participation rates, and spreads When the index performs well, you don't capture all of it. A cap sets a ceiling on credited gains. A participation rate credits only a percentage of the gain. A spread withholds credit on the first portion. Some contracts use one mechanism, some use all three. All of them can change every anniversary date. The upside story in the illustration isn't what you're guaranteed to keep. Endowment Whole life endows at age 120 or 121, meaning cash value and death benefit meet at that point, and a living insured is paid the full value out. The policy has a known end point, so the company can calculate and guarantee your cash value at every step. An IUL doesn't endow. There's no guaranteed future cash value figure at all. That's the number a banking strategy depends on knowing. Lapse rates Research from 2021 by Gottlieb and Smetters, published in the American Economic Review, found that 88% of all universal life policies never pay a death benefit. LIMRA's extrapolated data suggests whole life lapses at roughly 60% (Research published in the American Economic Review). The data involves extrapolation, but the direction is consistent: universal life lapses significantly more often, and rising costs over time are a major reason why. For a real-world example of what can go wrong, see our post on the Kyle Busch IUL lawsuit. IUL vs. Term Life: Two Very Different Jobs Term life is pure death-benefit protection. No cash value, lower cost, and it expires. For many families covering a defined window, a mortgage, kids at home, and years to retirement, that simplicity is a feature. Term does exactly what it says it does. An IUL is permanent insurance with a cash value component. But the cost of insurance inside an IUL behaves like an annual renewable term that increases every year. You're paying rising-cost term coverage embedded inside a more expensive, more complex wrapper. That reframes a common pitch: the IUL sold as "term you can get back." Once you understand the internal cost engine, that framing looks very different. When a term policy lapses, it usually means the coverage window was intentional. That's a plan working as designed. When an IUL lapses, something failed. The thing that promised to be permanent didn't make it, and it usually happens at exactly the wrong time. If the job is affordable protection for a defined period, term does it more honestly and more cheaply. Don't buy an IUL believing it's simply a better version of term. IUL vs. Roth IRA: The "Tax-Free Income" Pitch, Examined IULs are frequently sold as a Roth alternative: "tax-free retirement income with no contribution limits." It's worth looking at that honestly. A Roth IRA offers genuinely tax-free growth and qualified withdrawals. Full market participation, no cost-of-insurance drag, no lapse risk. The tradeoff is annual contribution limits and income phase-outs that exclude higher earners. An IUL offers fewerIRS contribution limits, tax-advantaged access through policy loans, and a death benefit. In exchange, you take on capped and adjustable upside, layered fees, a rising cost of insurance, lapse risk, and ongoing management requirements. The mechanism that matters most: the "tax-free income" from an IUL comes from borrowing against non-guaranteed cash value. If the policy lapses while loans are outstanding, the gain can become taxable at the worst possible moment, in retirement, when income options are most constrained. An IUL might add value for a high earner who wants an additional tax-advantaged bucket and a death benefit, and can fund it aggressively for 15 or more years. Even then, it's a complement, not a replacement. Roth IRAIULContribution limitsYes (IRS limits)NoUpsideFull market participationCapped and annually adjustableFeesLower FeesLayered (COI, admin, charges)AccessQualified withdrawals tax-freePolicy loans against non-guaranteed valueRiskMarket riskMarket-linked + COI + lapse riskComplexityModerateHighDeath benefitNoYes Why IUL Falls Short for Infinite Banking To use a policy for banking, you need to know what your future cash value will be. That's the whole point of the Wealth Creator's Cash Flow System: deploy capital, borrow against a foundation you can plan around, repay, and repeat. That only works if the numbers are certain. Infinite Banking isn't about maximizing return inside

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode:  Phil Galewitz & Samantha Liss, “Indiana Takes on Powerful Hospitals by Capping Prices They Charge Employers,” https://kffhealthnews.org/health-industry/hospitals-price-controls-indiana-cap-healthcare-costs-debate/, KFF Health News. Alan Dondon, “Hospital price caps gain momentum across states,” June 30, 2026, https://www.beckershospitalreview.com/finance/hospital-price-caps-gain-momentum-across-states/, Becker's Hospital Review. Health Resources and Services Administration, “Lists of Designated Primary Medical Care, Mental Health, and Dental Health Professional Shortage Areas,” July 1, 2026, https://www.federalregister.gov/documents/2026/07/01/2026-13309/lists-of-designated-primary-medical-care-mental-health-and-dental-health-professional-shortage-areas, Federal Register. Andrew Abram et al., “County-Level Differences in Health Professional Shortage Areas by Rurality, Age, and Disability Status,” April, 2026, https://www.ruralhealthresearch.org/publications/1767, University of Minnesota Rural Health Research Center, Rural Health Research Gateway. Shandra Martinez, “Kids' Food Basket, schools join to address rural hunger,” June 26, 2026, https://rapidgrowthmedia.com/kids-food-basket-schools-join-to-address-rural-hunger/, Rapid Growth. Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

The Caps made six signings in the first 48 hours of free agency…but none bigger than the re-up of Alex Ovechkin to a one-year deal! We look into Ovi's return, as well as hear from newly-acquired Alex Tuch, on this week's Best of Capitals!

The Caps made six signings in the first 48 hours of free agency…but none bigger than the re-up of Alex Ovechkin to a one-year deal! We look into Ovi's return, as well as hear from newly-acquired Alex Tuch, on this week's Best of Capitals!

The Caps made six signings in the first 48 hours of free agency…but none bigger than the re-up of Alex Ovechkin to a one-year deal! We look into Ovi's return, as well as hear from newly-acquired Alex Tuch, on this week's Best of Capitals!

The Caps made six signings in the first 48 hours of free agency…but none bigger than the re-up of Alex Ovechkin to a one-year deal! We look into Ovi's return, as well as hear from newly-acquired Alex Tuch, on this week's Best of Capitals!

Full Show - Friday 3 July 2026 with Tobi Altizer and Ben Strober in for the Junkies. The guys talk about USMNT and World Cup, the Nationals pitchers being suspended, Ovechkin signing for another year and the Wizards trade options. Guests include Caps play-by-play announcer John Walton and Mark Zuckerman of MASN.

July 3, 2026: Tesla is capping employee AI spending at $200 a week after some engineers reportedly burned through thousands of dollars in tokens, showing that "free" AI was never really free. Then I get into the rise of social offloading, where people use AI not just to think for them, but to handle difficult messages, feedback, and human interactions.

Nate Lagos is a seasoned conversion rate optimizer, yet a recent A/B test surprised him.A client used all caps in key landing page headlines. Nate, having read a tip on X, suggested they test headlines that capitalized only the first letter of each word.The result? Conversions increased by 25%Nate first appeared on the podcast in 2025, when he addressed Facebook ad performance. For this episode, he focuses on "bottoms-up" testing, audience targeting, and marketing male products to women.For an edited and condensed transcript with embedded audio, see: https://www.practicalecommerce.com/avoid-all-caps-headlines-says-cro-proFor all condensed transcripts with audio, see: https://www.practicalecommerce.com/tag/podcasts******Practical Ecommerce helps online merchants improve with expert articles, podcasts, and webinars. Founded in 2005, we're an independent publisher, unaffiliated with any ecommerce platform or provider. https://www.practicalecommerce.com 

EITM interviews Alex TuchSee omnystudio.com/listener for privacy information.

- Beltway Blitz: World Cup, Caps, Nats - New Caps F Alex Tuch talks about getting traded to DC & Ovi returning - Several new Brandon Aiyuk videos have dropped....

- The Great 8 is BACK! Alex Ovechkin re-signs with Caps on 1-yr deal - How excited are you that Alex Ovechkin is re-signing with the Capitals? - Was Flo Balogun's red card justified?

-Alex Ovechkin returning for Year 22 -What do you think about Ovi and the Caps in 2026-27'? -Flo Balogun gets an egregious Red Card -Team USA moves on, but without Balogun -Alex Tuch, Capitals Forward. on coming to DC -Double Play -Beltway Blitz: Chris Branch / World Cup, Andrew Golden / Nats, Keith Smith / NBA -Ovi is back, but doesn't commit to it being his final season -Can USMNT make it work without Balogun? -Jay Gruden doesn't think Brandon Aiyuk will be a Commander -Cade Cavalli Suspended seven games, Miles Mikolas five -Reaction to Cavalli and Mikolas' suspensions -Joe Beninati on Ovi's return

Mike Brown joins Payno to react to Steve Borthwick's England team selection ahead of the blockbuster Test against South Africa. From Tommy Freeman at 13 to Tom Curry's massive back row battle, Brown gives his verdict on England's chances against the world champion Springboks. 01:53

HOUR 3: Do we need to rethink student loan caps for 'Professional Degrees'? full 2214 Tue, 30 Jun 2026 21:00:00 +0000 IZaFao8tPZUbVJOCzWMXSV8BT5O7Q2NW news The Dana & Parks Podcast news HOUR 3: Do we need to rethink student loan caps for 'Professional Degrees'? You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News https://player.ampe

Major shifts to federal student aid kick in on July 1, including strict limits on how much graduate students can borrow from the federal government. The new loan caps raise questions about who can access graduate education in the U.S., who should pay for it, and whether the country's workforce pipeline can keep pace with the growing demand for highly-skilled professionals. We'll also preview this week's economic data releases, including consumer confidence and the June jobs report.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories featured in this episode:Will new federal student loan caps make grad school more affordable or less attainable?

Major shifts to federal student aid kick in on July 1, including strict limits on how much graduate students can borrow from the federal government. The new loan caps raise questions about who can access graduate education in the U.S., who should pay for it, and whether the country's workforce pipeline can keep pace with the growing demand for highly-skilled professionals. We'll also preview this week's economic data releases, including consumer confidence and the June jobs report.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories featured in this episode:Will new federal student loan caps make grad school more affordable or less attainable?

The Caps acquired two goal-scoring Top 6 forwards in Jordan Kyrou and Alex Tuch this week, while also shipping off Connor McMichael and Hendrix Lapierre. We discuss that, plus Coach Carbs dishes on Ovi's future, in this week's Best of Capitals!

The Caps acquired two goal-scoring Top 6 forwards in Jordan Kyrou and Alex Tuch this week, while also shipping off Connor McMichael and Hendrix Lapierre. We discuss that, plus Coach Carbs dishes on Ovi's future, in this week's Best of Capitals!

The Caps acquired two goal-scoring Top 6 forwards in Jordan Kyrou and Alex Tuch this week, while also shipping off Connor McMichael and Hendrix Lapierre. We discuss that, plus Coach Carbs dishes on Ovi's future, in this week's Best of Capitals!

The Caps acquired two goal-scoring Top 6 forwards in Jordan Kyrou and Alex Tuch this week, while also shipping off Connor McMichael and Hendrix Lapierre. We discuss that, plus Coach Carbs dishes on Ovi's future, in this week's Best of Capitals!