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State Treasurer Brad Briner stated this week that State Health Plan premiums will likely increase again in 2027 for state employees and retirees. In this episode, we discuss the need for true transparency in hospital pricing to control costs. We also cover $14 billion in pension gains, but no COLA for retirees, the 2026 election filing window, and SEANC's political engagement. We then close with a light segment on Spotify Wrapped and memories of the K&W Cafeteria.
Jeudi 4 décembre, François Sorel a reçu Aude Durand, directrice générale déléguée du groupe Iliad (maison mère de Free), Neil Zeghidour, cofondateur de Kyutai et de Gradium, Sophia Metz, cofondatrice et PDG de Biostream, Vincent Micheli, cofondateur de General Intuition, Jérôme Monceaux, directeur et fondateur de Enchanted Tools, Damien Mulhem, cofondateur de XXII, et Nathalie Birocheau, PDG d'Ircam Amplify, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
Ecoutez Ça va beaucoup mieux avec Jimmy Mohamed du 04 décembre 2025.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.
Analizamos el recorrido del Giro de Italia presentado este diciembre. Traemos sus pros y contra. ¿Qué pensáis vosotros? Identidad CLAS on Tour 2025 10/12 - Katakrak (Iruñea) Otros enlaces: https://go.ivoox.com/rf/140346204 podcast Café y Ciclismo https://cyclingreport.substack.com/ proyecto Javi Aguilar 🗣️ Con Mikel Ilundain, Cristian Miconi, Gabriele Gianuzzi y Albert Rivera 📍 Encuéntranos en... ➡️ https://www.twitch.tv/acdpeloton ➡️https://youtube.es/ACDPeloton ➡️Grupo de Telegram: https://t.me/familiaACDP ➡️Twitter: twitter.com/ACDPeloton ➡️Instagram: https://www.instagram.com/acdpeloton/ Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals
Mercredi 3 décembre, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Isabelle Bordry, fondatrice de Retency, Cédric Ingrand, directeur général de Heavyweight Studio, Guillaume de Lavallade, directeur Général de Hub, Sylvain Trinel, chroniqueur Tech&Co, et Tristan Allouis, directeur général et cofondateur de Yellowscan, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
Ritmo nacional de cultivo da soja supera a média histórica, mas excesso de chuvas ainda limita avanço na região Sul e em parte do Matopiba. Projeções apontam para uma safra acima de 160 milhões de toneladas agricultura brasileira volta ao centro do debate como uma das atividades com maior potencial para reduzir emissões e elevar a eficiência ambiental. Investimento em genética, manejo e IA inauguram nova fase da produtividade agrícola. Novas tecnologias podem colocar o agronegócio brasileiro na vanguarda da produção de baixo carbono. Desafios do agronegócio ao longo de 2025 foi tema da última edição da Voz do Mercado do ano. Autoridades e especialistas debateram o ano e projetaram 2026. Tempo: frente fria avança e chuvas acima de 100 mm afetam soja e milho no Centro-Norte.
Jour xx mois, François Sorel a reçu Tristan Nitot, directeur associé Communs Numériques et Anthropocène chez OCTO Technology, Augustin Sayer, cofondateur d'Ovni, Hugo Borensztein, cofondateur et président d'Omi, Léa Benaim, journaliste BFM Business, Sylvain Trinel, journaliste Tech&Co, Vincent Clot, directeur du Space Business Catalyst à Thales Alenia Space, Théophile Lagraulet, co-fondateur de SpaceLocker, et Philippe Lattes, président et co-fondateur de LeoBlue, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.
En Perspectiva Interior - Azucitrus, una empresa citrícola histórica de Paysandú by En Perspectiva
Através de Alberto Ginastera ouvimos o colorido trabalho nos campos da Argentina. Filho de um espanhol e de uma italiana, o compositor argentino mostra como a sua música é marcada pela vivacidade.See omnystudio.com/listener for privacy information.
Através de Alberto Ginastera ouvimos o colorido trabalho nos campos da Argentina. Filho de um espanhol e de uma italiana, o compositor argentino mostra como a sua música é marcada pela vivacidade.See omnystudio.com/listener for privacy information.
In this episode, we're going to discuss Social Security recently announced 2026 Cost of Living Adjustment (COLA). If you have questions or would like an appointment contact Tara at 719-210-4242 or on line at www.nolanfinancialpartners.com
In this episode, we're going to discuss Social Security recently announced 2026 Cost of Living Adjustment (COLA). If you have questions or would like an appointment contact Tara at 719-210-4242 or on line at www.nolanfinancialpartners.com
El precio de la tierra agraria en Extremadura subió un 2,9 % el pasado año, hasta los 6.100 euros por hectárea según aparece en un informe del Ministerio de Agricultura. Es una décima por encima de la media nacional. Sin embargo en nuestro país, la hectárea vale de media unos 10.000 euros, muy lejos de lo que cuesta en nuestra comunidad autónoma.
Jeudi 27 novembre, François Sorel a reçu Christophe Aulnette, senior advisor chez Seven2 et ancien président de Microsoft France et Asie du Sud, Salime Nassur, fondateur de Maars, Philippe Dewost, fondateur de Phileos, cofondateur de Wanadoo et ancien directeur général de l'EPITA, Léa Benaim, journaliste BFM Business, David Rio, responsable d'études et innovation R&D chez EssilorLuxottica, Thomas Jund, directeur de la simulation en ophtalmologie chez InSImo, Salomé Ferraris, journaliste Tech&Co, et Antoine Fourcade, cofondateur de Sirius Space Services, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
Big changes are here for savers and retirees, and they're easier to navigate than you think. We walk through the 2025 retirement reset with clear contribution limits, what the super catch-up really means for ages 60 to 63, and how to balance Roth and pre-tax choices without leaving money on the table. You'll hear a grounded view on returns going forward—why large-cap U.S. stocks may sit closer to 4.5 to 6 percent and why bonds finally deserve a seat back at the table with 4 to 5 percent potential.From there, we get practical about turning portfolios into paychecks. The classic 4 percent rule still works as a starting point, but inflation and volatility call for guardrails. We outline flexible withdrawal tactics, cash and short-bond buffers, and how to avoid selling stocks in a downturn. If you're retiring early or bridging to Medicare, we share ways to pace withdrawals without blowing up your plan.We also break down Social Security decisions with the latest COLA, rising Medicare premiums, and a realistic break-even window in the mid-to-late 70s. If longevity runs in your family, delaying can pay off; if you're not working, you may blend strategies to manage taxes and risk. To wrap, we give you a no-nonsense year-end checklist: bump savings by one to two percent, rebalance from winners to laggards, verify your Social Security earnings, and right-size your emergency fund to today's expenses.If this helped you reset your plan, follow the show, leave a quick review, and share it with a friend who needs a 15-minute financial tune-up. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.
Charlamos con Hodei Olite y @javieririberri1, dos vidas dedicadas al ciclismo base, sobre el cambio generacional que ha vivido el ciclismo. Han estado 11 años en el @CCErmitagana y 18 en el Club Ciclista Villavés y han vivido la revolución y evolución del ciclismo desde dentro. ¿Cómo está la base ciclista? ¿Cómo se enfoca la formación de cadetes y juniors? Javier Iriberri además de ser entrenador en el Villavés, histórico club navarro donde se formó Miguel Indurain, es corredor de ultrafondo. Os invitamos a seguir su historia en su web: javieririberri.com 🗣️ Con Mikel Ilundain Os recordamos que podéis veniros a la Quedada ACDP el próximo 29 de noviembre. Toda la info en la pestaña de comunidad. O escribiendo a contacto@alacoladelpeloton.es Identidad CLAS on Tour 2025 (libro de Eneko) Fechas confirmadas: 26/11 - Librería La Revoltosa (Xixón) /// 27/11 Viva Bicicletas (Madrid) /// 10/12 - Katakrak (Iruñea) Otros enlaces: https://go.ivoox.com/rf/140346204 podcast Café y Ciclismo https://cyclingreport.substack.com/ proyecto Javi Aguilar 📍 Encuéntranos en... ➡️ https://www.twitch.tv/acdpeloton ➡️https://youtube.es/ACDPeloton ➡️Grupo de Telegram: https://t.me/familiaACDP ➡️Twitter: twitter.com/ACDPeloton ➡️Instagram: https://www.instagram.com/acdpeloton/ Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals
Mercredi 26 novembre, François Sorel a reçu Nicolas Guyon, animateur du podcast "Comptoir IA", Jérôme Colombain, journaliste et créateur du podcast « Monde Numérique », Didier Sanz, journaliste tech, Léa Benaim, journaliste BFM Business, Hassan Bouchiba, cofondateur et président d'Exwayz, Salomé Ferraris, journaliste Tech&Co, et Xavier Perret, directeur de l'entité Azure chez Microsoft France, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
Mardi 25 novembre, François Sorel a reçu Thomas Serval, PDG de Baracoda, Frédéric Simottel, journaliste BFM Business, Yves Maitre, operating partner chez Jolt Capital, Léa Benaim, journaliste BFM Business, Stéphane Timpano, PDG d'Aspire, Salomé Ferraris, journaliste Tech&Co, et David Oghia, directeur du projet Vectrex mini, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
Ce lundi 24 novembre, Frédéric Simottel a reçu Clément David, président de Theodo Cloud ; Enguerand Renault, directeur de la rédaction Satellifacts ; Damien Douani, responsable de l'innovation de l'école Narratiiv et fondateur de Topos ; Léa Benaim, journaliste BFM Business ; Maya Noël, directrice générale de France Digitale ; Salomé Ferraris, journaliste BFM Tech et Fred Plais, CEO d'Upsun, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.
®C'era una volta un re. Così cominciano tante fiabe della tradizione, e così può prendere avvio anche l'incredibile racconto dell'avventura di Giannino, che per molti aspetti somiglia davvero a una fiaba. Chi era quest'uomo? Giannino di Guccio di Mino di Geri Baglioni: un mercante dell'opulenta città di Siena, amministratore avveduto, carico di soldi e di figli, il quale, alla rispettabile età di quaranta anni, si lasciò convincere da Cola di Rienzo, senatore dei romani, di essere nientemeno che il re di Francia. Era il settembre 1354…..Prima emissione: 24 febbraio 2019
Der Milliardär mag zehn Schlafzimmer haben, kann aber immer nur in einem Bett schlafen, von zehn Badezimmern benutzt er selbst bei stärkstem Harndrang nur ein einziges. Am Abend können Milliardäre keine besseren Serien streamen als die 99% da draußen. Sie haben keine besseren Kinofilme, keine besseren Bücher, keine bessere Popmusik. Wenn Sie Lust auf Bier haben, trinken sie eins der großen Marken, und wenn sie Cola wollen, trinken sie dieselbe wie das breite Volk. Arme Milliardäre! Kein Wunder, dass sie nach Orientierung suchen. Und sie finden in der Tiefsee, wo sie manchmal ertrinken, oder im Weltall, wo die Luft dünn ist. Von Leander Steinkopf SWR 2025
C'est un dialogue entre passé et présent autour d'un mouvement artistique né dans l'effervescence des Années folles. Cent ans après sa consécration, l'art déco revient sous les projecteurs. Le Musée des Arts décoratifs à Paris célèbre ce style audacieux et extravagant à travers plus de 1 200 œuvres : mobilier, bijoux, affiches, mode, objets d'art et du quotidien.
Primer bloque: Panorama agrícola y perspectivas desde inicio hasta aprox. min 42:00Segundo bloque: Principales Indicadores del empleo en Paraguay min 42:13 hasta final
Jeudi 20 novembre, Frédéric Simottel a reçu Michel Levy Provençal, prospectiviste, fondateur de TEDxParis et de l'agence Brightness, Jérôme Marin, fondateur de cafetech.com, Bruno Guglielminetti, journaliste et animateur de "Mon Carnet de l'actualité numérique", Léa Benaim, journaliste BFM Business, Daniel Nef, CEO et cofondateur de Rift, Fabrice Marsella, directeur de la Banque des Startups by LCL, Romain Serres, CEO de Tilt Energy, Antoine Pêtre, porte-parole Europe de One Flash, et Raphaël Raffray, journaliste Tech&Co, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.
What is Pommeau? Pommeau is a: fortified blend of fresh apple must (unfermented) and apple brandy (typically Calvados in Normandy or Lambig in Brittany). The unfermented apple juice and brandy are combined before fermentation, which halts the process entirely and preserves natural sweetness. By law in France, Pommeau must be aged a minimum of 18 months in oak and produced within designated regions. It's rich, amber-colored, and served as an apéritif. It is consider to be a French heritage drink shaped by decades of refinement and protected standards. When did Pommeau receive AOC status? Pommeau received its official Appellation d'Origine Contrôlée (AOC) status in 1991, formalizing the traditional method and legally protecting what can and cannot be called Pommeau within France. And in America? If you ask what Pommeau is in the United States, the answer is: nothing defined. There is no legal TTB definition, no standard of identity, and no trade agreement protecting the name. Yet hundreds of U.S. labels already use the word…sometimes accurately, sometimes loosely, often inconsistently. So the question becomes, "What happens when a French classic with strict rules lands on U.S. labels with no rules at all?" That's the conversation American isn't having… yet. In this episode, Ria speaks with alcohol beverage attorney Lindsey Zahn to unpack what it means to use the word Pommeau in the U.S.—legally, culturally, ethically—and what cider makers and consumers should consider going forward. What happens when a French classic with strict rules lands on U.S. labels with no rules at all? That's the conversation America isn't having… yet. In this episode, Ria speaks with alcohol beverage attorney Lindsey Zahn to unpack what it means to use the word Pommeau in the U.S.—legally, culturally, ethically—and what cider makers and consumers should consider going forward. Key Topics Covered What Pommeau legally means in France Why the TTB has no definition for Pommeau How hundreds of U.S. labels were approved without consistency The difference between fortified cider vs. Pommeau Why a COLA approval does not protect you from trademark or trade disputes U.S.–EU trade agreements and why Pommeau is not protected Risks for current makers using "Pommeau" on labels Why "American Pommeau," "Pommeau-style," or accurate class/type statements may reduce risk The opportunity for U.S. cider associations to create a new American term A call for a naming contest—what the U.S. cider world could build together Why truth in labeling matters beyond regulatory compliance Why this conversation needed to happen…ten years ago Contact info for Lindsey Zahn P.C. Website: https://www.zahnlawpc.com Previous Cider Chat episode with Lindsey : Episode 85 Lindsey Zahn on Cider Law TTB Labeling Resources: https://www.ttb.gov 00:00 Introduction and Common Misconceptions 00:23 Meet the Host and Guest 01:35 Episode Overview: Focus on Pommeau 03:13 Cider Tours Announcement 06:58 Listener Support and Sponsors 08:40 Main Discussion: Legal Aspects of Pommeau 25:34 Trademark Rights and Labeling Concerns 27:34 The Importance of Due Diligence in Labeling 28:46 Pomo: A Gray Area in Cider Labeling 30:30 Alternatives to Using 'Pomo' 32:36 Truth in Labeling and Production Methods 36:08 Advice for Cider Producers 38:39 Role of Cider Associations 46:08 Final Thoughts and Call to Action Mentions in this Cider Chat Totally Cider Tours
Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now. Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call. 0:00 - INTRO 0:19 - Why Nvidia Matters 2:53 - Yes, Virginia, Draw Downs Happen 9:50 - 2026 Economic Summit Preview 10:39 - It's Just a 3% Pullback 13:01 - The Risk Range Report explainer 16:56 - E-Mail Query: Lump Sum or Pension? 19:45 - Pensions are Going the Way of the Dinosaurs 21:29 - Do Not Have a Lump Sum Check Written to You 22:55 - Pensions have no COLA 25:01 - Plan for Higher Taxes in the Future 26:49 - The YouTube Poll 29:07 - Once You're Done, You're Done 33:58 - Lump Sums & Annuities: Be Careful! 38:30 - Understand Your Options
Mercredi 19 novembre, François Sorel a reçu Justine Ryst, directrice générale de YouTube France, Alexia Laroche-Joubert, PDG de Banijay France, Amixem, YouTuber, Gaspar G, YouTuber, Jean-Baptiste Nicolet, YouTuber "TheiCollection", et Johan Lelièvre, YouTuber "Jojol", dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.
The Millionaire roadshow, FGR go top of the league Ma and Dale fact checks himself. Is China our secret climate weapon? Will COP 30 deliver anything? And a new defence for eco protestors - from the Government? Along with Cola from Gaza, the slow motion train crash of Reform and a listener question to which Dale says - Monday.
O que será que achamos do quarto episódio da sétima temporada da Corrida das Blogueiras? Noite da cola quente, rivalidades se intensificando, suposto vitimismo, destaques e mais! Vem ouvir para concordar - ou não - com a gente! ;)Redes Sociais: Instagram (@xtrapodcast, @ricardolscosta, @camponeusa, @thatoneluisa e @tutudfeijao), Twitter: (@xtrapodcastbr, @rapidoricardo, @camponeusa, @thatoneluisa e @tutudfeijaoo) e BlueSky (@xtrapodcast)E-mail para contato: xtrapodcast@gmail.com
Mardi 18 novembre, François Sorel a reçu Jean-Baptiste Masson, responsable de recherche à l'Institut Pasteur & cofondateur d'Avatar Médical, Rodolphe Gelin, Expert Leader Intelligence Artificielle chez Renault Group, Louis Dreyfus, président du directoire du groupe Le Monde, François Pachet, cofondateur d'Imagine All The People et Ynosound, François Grandjacques, réalisateur, producteur, dirigeant du studio "TaisToiDonc", Frédéric Simottel, journaliste BFM Business, Chafika Chettaoui, directrice transformation Data & IA chez AXA France, Stéphane Roder, président de AI Builders, et Wafaâ Amal, directrice générale de Prisme.ai, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
Abrimos la Taberna para charlar sobre la actualidad y bueno... más cosas. Con Eneko Carrillo, Cristian Miconi, Javi Aguilar y Albert Rivera.... y la estrella invitada Mikel Ilundain. Os recordamos que podéis veniros a la Quedada ACDP el próximo 29 de noviembre. Toda la info en la pestaña de comunidad. O escribiendo a contacto@alacoladelpeloton.es Identidad CLAS on Tour 2025 Nuevas fechas confirmadas: 21/11 - Biblioteca El Fontán (Uviéu) /// 22/11 - Librería Gil (Santander) /// 25/11 Casa de la Cultura (Lluanco) /// 26/11 - Librería La Revoltosa (Xixón) /// 27/11 Viva Bicicletas (Madrid) /// 10/12 - Katakrak (Iruñea) Otros enlaces: https://go.ivoox.com/rf/140346204 podcast Café y Ciclismo https://cyclingreport.substack.com/ proyecto Javi Aguilar 🗣️ Con Eneko Carrillo, Gabriele Gianuzzi y Albert Rivera 📍 Encuéntranos en... ➡️ https://www.twitch.tv/acdpeloton ➡️https://youtube.es/ACDPeloton ➡️Grupo de Telegram: https://t.me/familiaACDP ➡️Twitter: twitter.com/ACDPeloton ➡️Instagram: https://www.instagram.com/acdpeloton/ Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals
Social Security has been, over the years, a slowly expanding support prop for the US economy. Confluence Chief Market Strategist Patrick Fearon-Hernandez joins Phil Adler to discuss the impact of the Social Security cost of living adjustment for 2026.
Lundi 17 novembre, François Sorel a reçu Laurent Solly, vice-président Meta en Europe, Pascal Cagni, fondateur et président de C4 Ventures, Sébastien Missoffe, directeur général de Google en France, Athénaïs Oslati, fondatrice et PDG de Ontbo, Fabrice Valentin, vice-président et responsable de l'Intelligence Artificielle chez Airbus et Olivier Oullier, président et cofondateur d'Inclusive Brains dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.
El USDA presentó nuevas estimaciones para la campaña 2025/26 que reflejan recortes en los rendimientos de soja y maíz en Estados Unidos, en línea con lo anticipado por el mercado.20º Aniversario de la aprobación de la Ley 10/2005 de vías pecuarias de Aragón. La ONU cifra en casi tres billones de euros las pérdidas agrícolas por desastres naturales en los últimos 30 años. Según Naciones Unidas, cada año se pierden 86.000 millones de euros por culpa de la sequía, las olas de calor o las inundaciones.Un grupo de siete empresas aragonesas han participado en la mayor feria de maquinaria agrícola del mundo, Agritechnica, que se ha celebrado esta semana en Hanóver, con el apoyo de AREX y el clúster CAMPAG.Investigadores del Instituto de Agricultura Sostenible (IAS) del Consejo Superior de Investigaciones Científicas (CSIC) en Córdoba, liderados por José Antonio Jiménez Berni, han desarrollado un innovador robot, CROPTIMUS-PRIME, que ha revolucionado el fenotipado agrícola, es decir, la definición de los rasgos observables de los diferentes cultivos.El Grupo de Trabajo de Jóvenes de Cooperativas Agro-alimentarias de España ha mantenido un encuentro con el ministro en Expo SAGRIS y una reunión de trabajo en el Ministerio de Agricultura, para analizar los retos del relevo generacional y la PAC post 2027.La Asociación Española de Denominaciones de Origen, Origen España, y la Conferencia Española de Consejos Reguladores Vitivinícolas (CECRV) han celebrado este miércoles una reunión con la Comisión Europea para analizar el futuro de las Indicaciones Geográficas (IIGG) en el marco político actual y valorar la propuesta de un Plan de Acción que impulse la protección y el conocimiento de estos sellos de calidad en la Unión Europea.Repasamos, como hacemos cada domingo, la actualidad del sector cinegético en Aragón y damos respuesta a las preguntas que durante la semana han enviado a nuestra ‘Gestoría agrícola y ganadera'.
Today, in our 199th episode, I dive into some timely updates on Social Security and answered a batch of long-overdue listener questions. We kick things off with the newly announced 2.8% cost-of-living adjustment (COLA) for Social Security benefits starting January 2026. While that sounds like good news, I cautioned listeners not to celebrate too quickly. Medicare Part B premiums are expected to rise by 11.6%, or about $21.50 per month, which will eat into that COLA, leaving most recipients with a net increase of only around $34.50. I argue that announcing the Social Security COLA a month before Medicare premiums is misleading and suggested both should be released simultaneously to give retirees a clearer picture of their actual income changes. I also highlight the increase in the Social Security earnings limit, which will rise from $176,100 in 2025 to $184,500 in 2026 (a 4.77% jump). This means higher earners will contribute more to Social Security before hitting the cap. On a brighter note, the stock market has been performing exceptionally well in 2025, with major indices like the S&P 500, NASDAQ, and international markets all posting double-digit gains. At Retire Strong Financial Advisors, we're seeing more people seeking second opinions on their retirement plans, especially as their 401(k)s and 403(b)s hit all-time highs. I wrap up the episode by tackling some fantastic listener questions and reminding everyone to check out our free resources and YouTube channel for more retirement planning insights. You will want to hear this episode if you are interested in... (00:00) Intro. (00:27) Social Security Updates. (11:28) Roth Conversions Explained. (19:53) 401k Management Fees. (21:14) Retirement Planning for Couples. (27:19) Annuity Product Warnings. (31:07) Retirement Withdrawal Strategies. Breaking Down Roth Conversions and 401(k) Management Options One listener, JB, asked a great question about Roth conversions, so I took the opportunity to break it down from the basics. A Roth conversion involves moving money from a pre-tax account like a traditional IRA or 401(k) into a Roth account, paying taxes on the converted amount now so it can grow tax-free in the future. This strategy can be especially powerful for those whose retirement savings are heavily concentrated in pre-tax accounts. However, it's not a one-size-fits-all solution. Roth conversions can trigger higher taxes on Social Security benefits, push you into a higher tax bracket, or increase your Medicare premiums. There's also the five-year rule to consider, which can limit when you can access the converted funds. That's why I always recommend working with a fiduciary financial planner or tax advisor to determine if it's the right move. Another listener, Kelly, asked about paying Financial Engines to manage her 401(k). I explained that these services are optional and you can opt out and manage your own portfolio if you're comfortable. But if you're receiving personalized advice and planning, the fee might be worth it. Big Savings, Bigger Risks: Why Planning Matters Then we heard from Gary, who's 60 and married to Linda, who's 52. He's saved over $2 million mostly in a pre-tax 401(k) and has a pension that won't begin until age 65. Linda works part-time, and with their eight-year age gap and no clear Social Security strategy, there are several risks they need to address. If something were to happen to Gary, Linda wouldn't be eligible for survivor Social Security benefits until she turns 60, and the tax burden on their pre-tax savings could be significant for the surviving spouse. Other unknowns like their debt, health insurance plans before Medicare, and pension survivorship options will add more complexity. Life insurance and relocation plans are also critical factors that could impact their long-term financial security. I emphasized the need for a comprehensive retirement plan to help them navigate these issues. On a related note, I addressed a listener's question about annuity sales pitches at steak dinner seminars. While annuities can have a place in a portfolio, they're often sold with high fees, surrender penalties, and limited liquidity. I've seen too many people regret these decisions, so I always urge caution that if someone's buying you dinner, they're probably trying to sell you something. Retirement Education Without the Sales Pitch That's why we do retirement education differently. Our seminars are held at local libraries, no fancy dinners, no alcohol, and absolutely no product pitches. We're there to educate, not sell. This approach ties into Cindy's excellent question about which retirement account to withdraw from first. She has a mix of accounts, 401(k), Roth, and a stock account she hopes to leave to her kids, and she's unsure how to begin her decumulation strategy. This is a crucial decision, and unfortunately, many people get it wrong. The old "conventional wisdom" of spending taxable accounts first, then pre-tax, then Roth, no longer holds up. Tax laws have changed, required minimum distribution ages have shifted, and future tax rates are uncertain. Your withdrawal strategy should be customized based on your income sources, Social Security timing, investment types, and long-term tax impact. Some accounts may generate income through dividends and interest, while others are better suited for long-term growth. The goal is to create a strategy that supports a successful retirement while minimizing your lifetime tax bill. Cindy's question was so important, I even made a YouTube video on it, "Retirement Withdrawal Strategy", which has become one of our most popular resources. Resources & People Mentioned 3 Steps to Retirement Planning BEST Withdrawal Strategy | Where Should You Pull Funds from First? Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts
O Ministro Aldo Rebelo fala sobre a cobiça internacional pela Amazônia, de mais de 500 anos, tema do seu novo livro, lançado na COP 30 em Belém.
O Ministro Roberto Rodrigues, nomeado Embaixador do Agro Brasileiro na COP 30, fala sobre os desafios e as oportunidades da nossa Agricultura Tropical de Baixo Carbono, na Conferência do Clima.
Get this whole, show FREE on Patreon! Click HERE for a 7-day free trialBen Glaze and EZ lean into fair-use laws to present a WEEKLY review of one of America's top radio shows. Heard all across the US on about 30 radio stations, The Free Beer and Hot Wings Show has grown steadily since it's inception in the late 1990's.In this FULL show on Patreon!Topics:*Ben covers Steve announcing that he took his kids to Wendy's for a meal.*Wendy's talk spills into a conversation about fast food joints and play areas for kids.*Another cool debate about Coke-a-Cola.*Free Beer unloads a childish bummer joke.*Rock stations in small markets all across America got to hear Maitland talk about cute noises animals make when eating.*Hot Wings dropped a bomb on the audience with his "Hot Take" about flowers that he does not like.*Free Beer is not at all serious about kissing in front of children. In fact, he's "just kidding."*Ben Glaze exposes an amazing conversation the crew had about flavors of cake.*EZ parked on a clip of Free Beer talking about catapults for some reason. The group responds with silence and shrugs.*Sometimes Free Beer's "Brain Tumor Talk" happens so fast, it's hard to pick up what the hell is happening. EZ parks on two great examples of this.*Free Beer admits he's lost when it comes to AI. HW agrees and makes a comment. That's all it took for cranky Free Beer to fire back! #BetterHelp*Free Beer reveals that because the words “version” and “vision” both start with the letter, “V” they can be used interchangeably.Our Sponsors:* Check out Secret Nature and use my code ZANE for a great deal: https://secretnature.com* Check out Uncommon Goods: https://uncommongoods.com/zaneSupport this podcast at — https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
In October, the Social Security Administration announced the 2026 Cost-of-Living Adjustment (COLA) — and no, we don't mean the fizzy kind. COLA is the annual increase that helps retirees' benefits keep pace with inflation. Before diving into how it all works, the BullCast crew kicks things off with a play on words in their pop culture list of the Brief History of Coca-Cola Prices. Then, they break down what drives cost-of-living changes, how COLA is calculated, who it helps, and why it matters for millions of Americans. The List: A Brief (and Bubbly) History of Coca-Cola Prices Hashtags: #cola #costofliving #cocacola #CortLovesDietCoke Visit us online: www.bullcastpodcast.com Produced by Cameron Spann | Powered by Pickler Wealth Advisors Sound effects obtained from https://www.zapsplat.com
Jeudi 13 novembre, François Sorel a reçu Anthony Morel, journaliste BFM Business, Amélie Charnay, journaliste à La Tribune, Frédéric Simottel, journaliste BFM Business, Anne Bouverot, envoyée spéciale du Président de la République pour l'IA et co-présidente du CIAN et Gautier Cloix, PDG de H Company, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.
Chris's SummaryWith Jim away this week, I review the 2026 Social Security changes from the recently released SSA Fact Sheet covering the 2.8% COLA, the new taxable maximum, quarters-of-coverage earnings, and earnings test limits. I also walk through projected Medicare Part B premiums and the deductible, explain the hold harmless provision, and outline 2026 IRMAA […] The post 2026 Social Security Changes: EDU #2546 appeared first on The Retirement and IRA Show.
Ce mercredi 12 novembre, Frédéric Simottel a reçu Jean-Baptiste Kempf, co-créateur du logiciel VLC et CTO de Scaleway, Tristan Nitot, directeur associé Communs Numériques et Anthropocène chez OCTO Technology, Clément David, président de Theodo Cloud, Julien Thibaud, journaliste BFM Business, Kesso Diallo, journaliste Tech&Co, Julie Huguet, directrice de la mission French Tech, Tom Darras, PDG & cofondateur de Welinq, et Cyrille Vignon, PDG de Glimps, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
Rosana Laviada entrevista a Ramón Solanilla, secretario general de Asaja Huesca, por la crisis de la gripe aviar.
Ce mardi 11 novembre, François Sorel a reçu Salime Nassur, fondateur de Maars, Guillaume Grallet, journaliste au Point, Frédéric Simottel, journaliste BFM Business, et Gérôme Billois, associé en cybersécurité et confiance numérique au sein du cabinet Wavestone, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.
Ce lundi 10 novembre, François Sorel a reçu Damien Douani, responsable de l'innovation de l'école Narratiiv et fondateur de Topos ; Jean Schmitt, Président de Jolt Capital ; Claudia Cohen, Journaliste chez Bloomberg ; Léa Benaim, journaliste à BFM Business ; Pierre-Yves Oortmeyer, Directeur Général de Motorola France ; Kesso Diallo, journaliste Tech&Co et Thomas Semah, fondateur et CEO de Yneuro, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.
O prefeito de Sorocaba, Rodrigo Manga (Republicanos), foi afastado do cargo por 180 dias por suspeita de corrupção na saúde. A decisão ocorreu no âmbito da segunda fase da Operação Copia e Cola da Polícia Federal.Em vídeo, o ‘prefeito tiktoker' afirmou que foi alertado por parlamentares sobre uma tentativa de “tirá-lo do jogo” em razão de sua exposição. Madeleine Lacsko, Ricardo Kertzman e Wilsinho Pedroso comentam:Papo Antagonista é o programa que explica e debate os principais acontecimentos do dia com análises críticas e aprofundadas sobre a política brasileira e seus bastidores. Apresentado por Madeleine Lacsko, o programa traz contexto e opinião sobre os temas mais quentes da atualidade. Com foco em jornalismo, eleições e debate, é um espaço essencial para quem busca informação de qualidade. Ao vivo de segunda a sexta-feira às 18h. Apoie o jornalismo Vigilante: 10% de desconto para audiência do Papo Antagonista https://bit.ly/papoantagonista Siga O Antagonista no X: https://x.com/o_antagonista Acompanhe O Antagonista no canal do WhatsApp. Boletins diários, conteúdos exclusivos em vídeo e muito mais. https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344 Leia mais em www.oantagonista.com.br | www.crusoe.com.br
Stay informed about the changing retirement landscape with hosts Wes Moss and Christa DiBiase as they unpack today's relevant financial topics—from the growing influence of AI-related stocks to strategies for maintaining a well-balanced retirement plan. This episode of the Retire Sooner Podcast focuses on education, awareness, and practical insights to help you better understand the factors that can potentially shape your long-term financial journey. • Explore how AI-related stocks are influencing the S&P 500 and what increased market concentration may mean for maintaining a diversified investment mix. • Review thoughtful rebalancing considerations designed to help preserve diversification across asset classes—including small caps, mid caps, international equities, and fixed income. • Understand the structure and potential risks of employee stock purchase plans (ESPPs), including holding periods and portfolio exposure considerations. • Clarify what the idea of a “million-dollar retirement” represents by examining how individual goals, income needs, and household spending habits differ. • Consider long-term planning concepts such as Roth IRA conversions for inherited assets and the potential benefits of engaging multiple generations in family financial discussions. • Examine the latest Social Security Cost of Living Adjustment (COLA), how it compares historically, and common perspectives regarding future program sustainability. • Evaluate options for managing excess savings allocated toward shorter-term goals—such as travel or home projects—based on time horizon and comfort with potential market movement. • Discuss flexible withdrawal and income planning considerations that may help support the transition from early retirement to Social Security eligibility. Enhance your financial awareness and stay up to date with the Retire Sooner Podcast. Listen and subscribe for educational discussions on market trends, retirement fundamentals, and strategies to help you make well-informed financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
Is Your Portfolio Too AI-Heavy? and Does Social Security COLA Keep Up With Inflation? In this episode, Wes Moss shares startling JP Morgan research: just 41 AI-related stocks now account for nearly 50% of the S&P 500's weight, making the market severely overweight in a single theme. Wes offers actionable advice on how to rebalance your portfolio. Also, with the new COLA increase, Wes sets the record straight on Social Security, demonstrating that it has quietly been one of America's best inflation fighters since 1975. He examines the history of COLA adjustments and provides an honest assessment of the fear surrounding the Social Security trust fund running out, clarifying what that worst-case scenario truly means for current and future retirees. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Rule of 72 Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices