Podcasts about Cola

Jeudi 22 janvier, Frédéric Simottel a reçu Lucas Perraudin, cofondateur d'AI Partners, Philippe Dewost, fondateur de Phileos et cofondateur de Wanadoo, Marion Moreau, journaliste et fondatrice d'Hors Normes Média, Léa Benaim, journaliste BFM Business, Vanessa Heydorff, directrice générale France de Booking.com, Benjamin Netter, fondateur de Riot, au micro de Laure Closier, et Marc-Henri Frouin, fondateur de Niryo, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

¡Volvemos un año más! Gracias por estar al otro lado tanto tiempo familia. En este programa podréis encontrar: - Charla con Felipe Orts y el periodista Nico Van Looy sobre lo sucedido en Benidorm CX. - Los protagonistas de la presentación del Caja Rural donde estuvo Mikel. - La noticia de la desaparición del Illes Balears Arabay 🗣️ Con Mikel Ilundain y Albert Rivera 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

Ce mercredi 21 janvier, François Sorel a reçu Jean-Baptiste Kempf, fondateur de Kyber et co-créateur de VLC ; Jérôme Colombain, journaliste et créateur du podcast « Monde Numérique » ; Clément David, président de Theodo Cloud ; Léa Benaim, Journaliste BFM Business ; Sophie Thibault, directrice générale de Lenovo France ; Maurice Lévy, président d'honneur du groupe Publicis, au micro de Laure Closier et Christophe Yerolymos, directeur général adjoint Europe de TCL, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Being a Millionaire Ain’t What It Used to Be Episode 367 – It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. But in today's economy, being a millionaire does not necessarily project the same status it once did. Or does it? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 367 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, being a millionaire ain’t what it used to be. It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to Be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. And while it's much more noticeable today, even during Y2K, being a millionaire did not give the same status that it once did. Yet it's an achievement many of us are shooting for. According to a new study, almost half of all workers (48 percent) have set $1 million as their retirement benchmark. That number was only 37 percent in 2024. But people aren't necessarily optimistic about reaching that milestone. In fact, a mere 27 percent actually expect to get there.[1] Another recent study provides more information on this. An analysis of government survey data done by Bloomberg indicates that there are more than 24 million millionaire households, or almost one in five. But a lot of that wealth is sealed into 401(k)s, IRAs and home equity, none of which is easily accessible. This is especially true for households in the lower end of the millionaire spectrum, with a net worth between $1 million and $2 million, which on average, have 66 percent of their wealth locked into these types of assets.[2] It’s important not to minimize what so many people have accomplished. $1 million is a great emotional milestone. And it's still a lot of money. The median household net worth is considerably less: about $193,000.[3] But nowadays, you might not be able to live off $1 million. It could end up lasting you a long time, but it all depends on where you live (which you can control), your health and longevity (which you might not be able to control), and how much you spend on things like housing, health care and other expenses. Every situation is different, of course. The cost of living varies widely throughout the United States. According to research by Forbes magazine, the average cost of living, defined as “housing costs, transportation, health care, food and income taxes,” is the highest in Hawaii at $55,491. Mississippi comes in the lowest with an average of $32,336. Of course, this is just for the essentials. The figures don't include entertainment, travel or anything else.[4] When it comes to longevity, average life expectancy has some quirks to it. For one thing, each year you age, your remaining life expectancy goes down, but not by a full year. This is a statistical oddity due to the fact that you're still here, but a few of your peers are not. For example, if you are a male age 60, your remaining life expectancy is 23.3 years, or to age 83.3. But if you make it to age 65, your new life expectancy is 19.3 years, or to age 84.3.[5] There are gender differences as well. For people age 65, females, on average, outlive males by approximately 2.7 years.[6] These are all just averages, of course. But the resulting life expectancies are often longer than people might anticipate. Here's another unique statistic: For a married couple age 60, there is approximately a 60 percent chance that at least one of the two will live past age 90.[7] That may or may not be you, but the longer you expect to live, the more concerned you will be about whether your $1 million is enough. How long will it last, and will you still be around when it runs out? Here are three hypotheticals compiled by SmartAsset. In the first one, assume you start with $1 million and get a 6 percent return. Also assume you are in a 24 percent tax bracket and you spend $5,000 per month. In that scenario, your $1 million should last you 30 years. But in the second scenario, assuming your return goes down to 5 percent, the well would run dry in 26 years. In the third scenario, your return goes up to 7 percent. But your tax bracket is also higher: 32 percent, and your withdrawal goes up to $6,000 per month. With those assumptions, your savings would only last 23 years.[8] Keep in mind that these examples do not include other sources of income such as Social Security. The maximum amount of Social Security you can collect is $5,181[9] per month before tax and Medicare charges, but that assumes you paid in the maximum and collect at age 70, which less than 10 percent of people do.[10] The average benefit is approximately $1,959 per month.[11] But when it comes to retirement income, the one huge advantage Social Security has is that it is indexed for inflation, although the Cost of Living Adjustment (or COLA) increases don't always keep up. So, how much you can accumulate for retirement is important, but it's not everything. Perhaps some of us are focusing on the wrong thing. Maybe it's just as important to have an income plan as it is to have an accumulation plan.[12] In other words, no matter how much you save, it's still only the first half of the journey. [1] Randall, Steve. “Nearly half of workers peg retirement target at $1M as anxiety climbs.” Investmentnews.com. https://www.investmentnews.com/retirement-planning/nearly-half-of-workers-peg-retirement-target-at-1m-as-anxiety-climbs/263546 (accessed December 15, 2025). [2] Steverman, Ben, Tartar, Andre and Davidson, Stephanie. “America Is Minting Lots Of Cash-Strapped Millionaires.” Fa-mag.com. https://www.fa-mag.com/news/america-is-minting-lots-of-cash-strapped-millionaires-84395.html (accessed December 12, 2025). [3] Kane, Libby. “The net worth it takes at every age to be richer than most people you know.” Businessinsider.com https://www.businessinsider.com/net-worth-data-american-wealth-age-2025-4 (accessed December 12, 2025). [4] Rothstein, Robin. “Examining The Cost Of Living By State.” Forbes.com. https://www.forbes.com/advisor/mortgages/cost-of-living-by-state/ (accessed December 15, 2025). [5] Social Security Administration. “Retirement & Survivors Benefits: Life Expectancy Calculator.” Ssa.gov. https://www.ssa.gov/OACT/population/longevity.html (accessed December 15, 2025). [6] The Global Statistics. “Life Expectancy by Age in the US 2025 | Stats & Facts.” Theglobalstatistics.com. https://www.theglobalstatistics.com/life-expectancy-by-age/ (accessed December 15, 2025). [7] Social Security Administration. “Longevity Visualizer.” SSA.gov. https://www.ssa.gov/policy/tools/longevity-visualizer/index.html (accessed December 15, 2025). [8] Smartasset.com. “Is $1M Enough to Retire Comfortably in 2025? Replace Guesswork With a Fiduciary-Built Plan.” Insights.smartasset.com. https://insights.smartasset.com/sem/how-long-will-1m-last-in-retirement?utm (accessed December 15, 2025). [9] Social Security Administration. “Worker with steady earnings at the maximum level since age 22.” Ssa.gov. https://www.ssa.gov/OACT/COLA/examplemax.html (accessed December 15, 2025). [10] Royal, James. “What age do most Americans take Social Security?” Bankrate.com. https://www.bankrate.com/retirement/when-do-most-americans-take-social-security/ (accessed December 15, 2025). [11] Horton, Cassidy. “What's the average Social Security check in Dec. 2025?” Aol.com. https://www.aol.com/finance/retirement-planning/article/average-social-security-benefit-payment-december-2025-195039610.html (accessed December 15, 2025). [12] LaPonsie, Maryalene. “Can You Retire on $1 Million? Here’s How Far It Will Go in 2025.” USNews.com. https://money.usnews.com/money/retirement/articles/can-you-retire-on-one-million (accessed December 15, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Ce mardi 20 janvier, François Sorel a reçu Salime Nassur, fondateur de Maars, Fanny Bouton, directrice du quantique chez OVHcloud, Christophe Aulnette, senior advisor chez Seven2 et ancien président de Microsoft France et Asie du Sud, Léa Benaim, journaliste BFM Business, Dorothée Bonassies, directrice générale BYD France, et Antonio Delfino, directeur des Affaires Spatiales de Venturi Space, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.

Lundi 19 janvier, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Jean Schmitt, président et managing partner de Jolt Capital, Luc Julia, co-créateur de Siri, Léa Benaim, journaliste BFM Business, Stéphan Hadinger, directeur technique d'Amazon Web Services, Pejvan Beigui, CEO de Konboi, au micro de Laure Closier, et Yohann Leroy, PDG de MaiaSpace, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Congress is debating major changes to Social Security—and the outcome could mean benefit expansion or future cuts. With trust fund shortfalls projected by 2033, lawmakers have introduced a wave of bills aimed at increasing benefits, changing cost-of-living calculations, and redefining how and when Americans claim Social Security. Richard Rosso breaks down the key Social Security reform proposals currently circulating in Congress, what they would change, why most face steep political hurdles, and what these debates mean for retirement planning in the years ahead. 0:00 - INTRO 0:19 - Social Security's Deadline for Survival 3:12 - The Importance of Checking Your SS Statement 5:57 - Lawmakers Looking at Social Security Reform 7:21 - Why Waiting is Worth it 10:48 - Safeguarding Social Security Act 13:35 - Social Security Emergency Inflation Relief Act 15:04 - Boosting Benefits & COLA's Act 18:53 - Protecting & Preserving SS Act 20:27 - The Claiming Age Clarity Act 22:14 - The Overall Theme of SS Reform 27:28 - Figure Out Your Own Situation Hosted by Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=TQSiR6fxLGg&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- Watch our previous show, "Silver's Surge: Bubble or Fundamentals?" here: https://www.youtube.com/watch?v=Bbdac54510I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Market Rotation Is Broadening — But Risks Remain," is here: https://www.youtube.com/watch?v=KS2mSWm16qg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SocialSecurity #RetirementPlanning #Congress #COLA #RetirementIncome

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 

En esta entrevista se aborda la creación y funcionamiento de la Estación Experimental Agrícola de Palmira, entre los años 1928 y 1944. Se describe, a partir de diversos informes de gobierno, el contexto de su surgimiento y la forma como se institucionalizó su funcionamiento, especialmente en lo que respecta a las innovaciones biológicas, el control agronómico y el fitomejoramiento, los planes de tecnificación, divulgación y experimentación. Observamos que el establecimiento de laboratorios permitió cruces genéticos importantes que, a largo plazo, redundarían en un crecimiento de los cultivos y en la cría de animales. A la par, se presentan de forma lineal las innovaciones biológicas que se dieron en el tiempo estudiado. Esto, buscando mostrar cómo la llamada «revolución verde» se instaló en una región colombiana y, desde allí, se esparcieron conocimientos por todo el país, bajo la distribución de semillas transformadas genéticamente. El artículo se publicó en el número 96 de la revista Historia Agraria. Autores: Hugues R. Sánchez Mejía es historiador y doctor en Historia de América Latina. Trabaja como docente en el Departamento de Historia de la Universidad del Valle. hugues.sanchez@correounivalle.edu.co ORCID https://orcid.org/0000-0001-7056-8708 Adriana Yaneth Santos Delgado es historiadora y doctor en Historia de América Latina. Trabaja como docente en el Departamento de Historia de la Universidad del Valle. adriana.santos@correounivalle.edu.co ORCID https://orcid.org/0000-0002-1356-7626 Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeudi 15 janvier, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Isabelle Bordry, fondatrice de Retency, Jérôme Marin, Fondateur de cafetech.fr, Léa Benaim, journaliste BFM Business, Charlotte Souleau, directrice Générale France de Back Market, Salomé Ferraris, journaliste Tech&Co, et Arthur Darde, président de FAR-A-DAY, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.

Mercredi 14 janvier, François Sorel a reçu Yves Maitre, operating partner chez Jolt Capital, Didier Sanz, journaliste tech, Frédéric Simottel, journaliste BFM Business, Léa Benaim, journaliste BFM Business, Guillaume Pluchet, directeur innovation pour l'activité mobilité de Bosch France, Salomé Ferraris, journaliste Tech&Co, et Etienne Genvrin, CEO et fondateur d'Edailabs, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.

Mardi 13 janvier, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Thomas Serval, PDG de Baracoda, Matthieu Soulé, Responsable du labo de Cathay Innovation à San Francisco, Jean-Baptiste Kempf, co-créateur de VLC, Bénédicte Astier, fondatrice et PDG d'Allergen Alert, Richard Franck Esnault, CEO de reconcept et chercheur en neurosciences appliquées, Vincent Destefanis, responsable des partenariats au CEA-LETI, et Benjamin Cohen, cofondateur de Y-Brush, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Lundi 12 janvier, François Sorel a reçu Julien Villeret, directeur de l'innovation chez EDF, Maya Noël, directrice générale de France Digitale, Adrien Chrétien, responsable du Développement des projets de Beauté Augmentée, L'Oréal Groupe, Fabrice Marsella, directeur de la Banque des Startups chez LCL, Adrien Ladan, cofondateur de Sternboard, Alexandre Lagrange, cofondateur chez ÆMOTION, Fabrice Klohoun, directeur Marketing de Reolink, Anaïs Libolt, directrice Europe de Dolby, et Pierre Caron, cofondateur et président de YOMY, dans l'émission Tech & Co, la quotidienne spéciale CES 2026 sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Com mais de 3 milhões de seguidores no TikTok, Rodrigo Manga (Republicanos) tornou-se um dos prefeitos mais conhecidos do Brasil. Primeiro, por causa do uso da plataforma para divulgar promessas, projetos e obras de Sorocaba, no interior de São Paulo. Em abril de 2025, porém, o prefeito novamente movimentou as redes sociais e o noticiário nacional, mas dessa vez por ser alvo da operação Copia e Cola da Polícia Federal. Em novembro, o prefeito TikToker foi afastado do comando de Sorocaba por ordem da Justiça na segunda fase da operação. O repórter Fabio Serapião fez a cobertura das duas fases da operação, analisou a atuação de Manga nas redes sociais e conta o que descobriu, em uma conversa com José Roberto Toledo, no novo episódio do podcast UOL Prime. #uolprime⁠⁠ #PodcastUOLPrime

Nos adentramos en el libro de Eneko Carrillo, Identidad Clas, que podéis comprar en cualquier librería y que os cuenta la historia del equipo asturiano que enamoró en la década de los 90. 🗣️ Con Eneko Carrillo, Mikel Ilundain y Albert Rivera 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

Jeudi 8 janvier, François Sorel a reçu Bruno Guglielminetti, journaliste et animateur de "Mon Carnet de l'actualité numérique", Jérôme Colombain, journaliste et créateur du podcast « Monde Numérique », Christophe Périllat, directeur général de Valeo, Clémence Carreel Stévenin, directrice du développement Withings, Rémi du Chalard, fondateur de SeeHaptic (ex Artha), Salim Ejnaïni, consultant pour SeeHaptic, Julien Villeret, directeur de l'innovation chez EDF, et Nicolas Turpault, Fondateur de Sonaid, dans l'émission Tech & Co, la quotidienne spéciale CES de Las Vegas sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Primer bloque: Katia Ayala - Vice Presidente 1ra. Colegio de Escribanos del ParaguaySegundo bloque: Panorama agrícola y perspectivasTercer bloque: Producción y perspectivas del algodón

Mercredi 7 janvier, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Damien Licata Caruso, journaliste au Parisien, Guillaume Rault, vice-président Samsung France Electronics, Romain Futsch, président de Luchrome et docteur en physique-chimie, Rémy Journé, directeur général de Hisense France, Julien Villeret, directeur de l'innovation chez EDF, et Jennifer Gauthier, cofondatrice de SkinMed, dans l'émission Tech & Co, la quotidienne, spéciale CES de Las Vegas, sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.

Lundi 5 janvier, François Sorel a reçu Yves Maitre, operating partner chez Jolt Capital, Frédéric Simottel, journaliste BFM Business, Melinda Davan-Soulas, journaliste Tech&Co, et Didier Sanz, journaliste tech, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Is 2026 the year you finally take control of your military finances? With a 3.8% pay raise, new TSP contribution limits of $24,500, and proven strategies that helped one E-7 reach $600,000 in net worth by year 14, Spencer and Jamie break down exactly how to build wealth while serving, even if you're starting from scratch or recovering from financial setbacks. In this episode, we provide a comprehensive 2026 financial reset for military families, covering everything from emergency funds and debt payoff to maxing tax-advantaged accounts and avoiding lifestyle creep. Perfect for anyone wanting to turn the new year into a fresh financial start. Main Discussion Points Know Where You Are Before You Start Track your spending using apps like Monarch Money, YNAB, Rocket Money, or simple spreadsheet Face your financial reality- write down all debt and net worth even if it's negative Government shutdown proved why emergency funds matter: 3-6 months of expenses minimum Example: $500 car repair covered by emergency fund eliminated stress entirely Unique Military Financial Advantages Tax-free income: BAH, BAS, COLA not subject to federal income tax or payroll taxes (7%+ savings) State tax residency: Change to tax-free state (Texas, Florida, etc.) when stationed there! Spouse can too under Military Spouse Residency Relief Act TSP match: 5% automatic match after 2 years for BRS members. Don't leave free money on table Healthcare and housing covered through Tricare and BAH/base housing Example: Saving $300/month by changing state residency adds up to thousands annually 2026 Numbers to Know TSP contribution limit: $24,500 (up from previous year) TSP annual additions limit: $72,000 (includes match and combat zone contributions) Roth IRA limit: $7,000 per person ($14,000 for married couples, even if spouse doesn't work) Military pay raise: 3.8% coming. Automate at least 1% of increase into TSP E6 with 8+ years gets roughly $150-180/month extra income from pay raise Priority Order for Tax-Advantaged Accounts Contribute 5% to TSP (get full government match for BRS members) Max Roth IRA: $7,000 for you, $7,000 for spouse Go back and max TSP at $24,500 Only then consider taxable brokerage accounts Total to max everything: $48,500 for married couples Don't stress if you can't max—contributing 10-20% is still excellent and beats average American 5% savings rate Invest Simply Using LADS Method Low-cost, Automated, Diversified, Simple TSP Lifecycle 2075 fund: 60% US stocks, 40% international, minimal bonds—perfect set-it-and-forget-it option Alternative: 80% C Fund, 10% S Fund, 10% I Fund Don't performance chase because last year's winner often becomes next year's loser Boring is beautiful in investing. Let it compound for 20 years Path to Military Millionaire Status E7 example: $500/month starting as E3, by age 45 = $1 million at 7% return Real example from Reddit: E7 with 14 years, $600,000 saved, contributing $20-25k/year In 10 years that E7 will have $1.2 million just from money already contributed (before new contributions) Add military pension: $30k/year plus $40k from 4% rule = $70k annual income in retirement Time is your biggest asset. US stock market doubles roughly every 7-10 years Common Mistakes to Avoid in 2026 Not contributing to TSP at all (minimum 5%, goal 15%+) TSP loans for non-emergencies...change behavior instead New car trap: 7-year car loans becoming standard, shooting yourself in financial foot Lifestyle creep: Give half of pay raise to savings, half to lifestyle improvements Waiting for "perfect time." Spoiler: there's never a perfect time. Start this weekend Capture Free Money Review LES monthly for accuracy File paperwork for CZTE, hostile fire pay, family separation allowance Follow up with finance multiple times if needed. Don't give up on money you're owed Request corrected W2s if aircrew touching tax-free zones in Nov/Dec Spencer recovered $20,000+ over career by being persistent with finance Take Action Now Schedule family money meeting. Make it a priority! Hire babysitter if needed, dedicate one hour Write down all debt on paper: credit cards, student loans, auto loans Acknowledge it's overwhelming but necessary to move forward Resources: Dave Ramsey's Total Money Makeover or Ramit Sethi's I Will Teach You to Be Rich Resources & Links Budgetting and tracking: Monarch Money, YNAB (You Need A Budget), Rocket Money, Every Dollar Credit card offers: Card Pointers Chrome plugin Free books: Libby app + MWR library on base Military Money Manual by Spencer Reese Selected as US Air Force Academy Class of 2023 graduating gift Dave Ramsey's Total Money Makeover Ramit Sethi's I Will Teach You to Be Rich and Money for Couples TSP match/max charts by rank The Money Guy Show: Financial Order of Operations   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Javi Aguilar nos regala esta bonita entrevista a Ion Izagirre que se encuentra en lo que va a ser su última temporada como profesional. Otros enlaces: https://go.ivoox.com/rf/140346204 podcast Café y Ciclismo https://cyclingreport.substack.com/ proyecto Javi Aguilar 🗣️ Con Eneko Carrillo, Cristian Miconi, Mikel Ilundain, Gabriele Gianuzzi, Álvaro Hernández, Javi Aguilar 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

Il Natale? Ha sostituito alcune feste pagane che si svolgevano lo stesso giorno. Gesù? È nato il 25 dicembre dell'anno zero. Babbo Natale? Ha il vestito bianco e rosso perché lo ha vestito così la Coca-Cola Company (e, di sicuro, non lo si è mai visto arrampicarsi alle finestre!) Se anche voi avete sentito alcune di queste affermazioni, volete saperne di più, perché, come ci chiediamo sempre: è davvero così che stanno le cose?SCOPRI IL MIO ULTIMO LIBRO: "Il mistero delle origini dell'uomo. Un viaggio nel tempo per comprendere chi siamo e dove stiamo andando". Prenotalo ora: https://amzn.to/3WazGFVUna produzione Think about Science: thinkaboutscience.comCon: Massimo Polidoro e Giulio Niccolò Carlone; Video editing: Elena Mascolo, Fotografia: Claudio Sforza; Musiche: Marco Forni; Logo e animazioni: Zampediverse; Social - Comunicazione: Giacomo Vallarino - Grafiche: Roberta Baria; Distribuzione audio: Enrico Zabeo; Titoli: Jean SevillaÈ ARRIVATO IL MIO NUOVO LIBRO: "Una vita ben spesa. Trovare il senso delle cose con Leonardo, Einstein e Darwin": https://amzn.to/4leRDOR LEGGI UN ESTRATTO: https://bit.ly/4jRHXIN LEGGI la mia graphic novel: "Figli delle stelle" (con Riccardo La Bella, per Feltrinelli Comics): https://amzn.to/47YYN3KLEGGI: "Sherlock Holmes e l'arte del ragionamento" (Feltrinelli), il mio ultimo libro: https://amzn.to/3UuEwxSLEGGI: "La meraviglia del tutto" l'ultimo libro di Piero Angela che abbiamo scritto insieme: https://amzn.to/3uBTojAIscriviti alla mia NEWSLETTER: L' "AVVISO AI NAVIGANTI": https://mailchi.mp/massimopolidoro/avvisoainavigantiAderisci alla pagina PATREON, sostieni i miei progetti e accedi a tanti contenuti esclusivi:   /massimopolidoroScopri i miei Corsi online: "L'arte di Ragionare", "Psicologia dell'insolito", "L'arte di parlare in pubblico" e "l'Arte del Mentalismo": https://www.massimopolidorostudio.comPER APPROFONDIRELe musiche sono di Marco Forni e si possono ascoltare qui: https://hyperfollow.com/marcoforniLEGGI i miei libri: "Sherlock Holmes e l'arte del ragionamento": https://amzn.to/3UuEwxS"La meraviglia del tutto" con Piero Angela: https://amzn.to/3uBTojA"La scienza dell'incredibile. Come si formano credenze e convinzioni e perché le peggiori non muoiono mai": https://amzn.to/3Z9GG4W"Geniale. 13 lezioni che ho ricevuto da un mago leggendario sull'arte di vivere e pensare": https://amzn.to/3qTQmCC"Il mondo sottosopra": https://amzn.to/2WTrG0Z"Pensa come uno scienziato": https://amzn.to/3mT3gOiL' "Atlante dei luoghi misteriosi dell'antichità": https://amzn.to/2JvmQ33"La libreria dei misteri": https://amzn.to/3bHBU7E"Grandi misteri della storia": https://amzn.to/2U5hcHe"Leonardo. Genio ribelle": https://amzn.to/3lmDthJE qui l'elenco completo dei miei libri disponibili: https://amzn.to/44feDp4Non perdere i prossimi video, iscriviti al mio canale: https://goo.gl/Xkzh8ARESTIAMO IN CONTATTO:Ricevi l'Avviso ai Naviganti, la mia newsletter settimanale: https://mailchi.mp/massimopolidoro/avvisoainavigantie partecipa alle scelte della mia communitySeguimi:Patreon: massimopolidoroCorsi: massimopolidorostudio.comInstagram: @massimopolidoroPagina FB: Official.Massimo.Polidoro X: @massimopolidoro  Sito: http://www.massimopolidoro.comQuesta descrizione contiene link affiliati, il che significa che in caso di acquisto di qualcuno dei libri segnalati riceverò una piccola commissione (che a te non costerà nulla): un piccolo contributo per sostenere il canale e la realizzazione di questi video. Grazie per il sostegno!

Lundi 22 décembre, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Thomas Serval, PDG de Baracoda, et Jérôme Marin, fondateur de cafetech.fr, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Ce jeudi 18 décembre, Frédéric Simottel a reçu Cédric Ingrand, directeur général de Heavyweight Studio, Fanny Bouton, directrice du quantique chez OVHcloud, Tristan Nitot, directeur associé Communs Numériques et Anthropocène chez OCTO Technology, Léa Benaim, journaliste BFM Business, Melvina Sarfati El Grably, directrice générale de Deliveroo France, Salomé Ferraris, journaliste Tech&Co, et Julien Bonnet, journaliste BFM Business, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.

Toca analizar el recorrido de La Vuelta 26. ¿Os ha gustado? Otros enlaces: https://go.ivoox.com/rf/140346204 podcast Café y Ciclismo https://cyclingreport.substack.com/ proyecto Javi Aguilar 🗣️ Con Eneko Carrillo, Cristian Miconi, Mikel Ilundain, Gabriele Gianuzzi, Álvaro Hernández, Javi Aguilar 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

PROGRAMA TRANSMITIDO EN VIVO A TRAVÉS DE TIK TOK VISITA: http://www.verdadestelar.com PALPAL ME: https://www.paypal.me/verdadestelar MIS LIBROS: https://www.amazon.com/ENRIQUE-ESTELAR/e/B07G4BH279?ref=sr_ntt_srch_lnk_2&qid=1613265140&sr=8-2

Mercredi 17 décembre, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Nicolas Guyon, animateur du podcast "Comptoir IA", Yves Maître, operating partner Jolt capital, Léa Benaim, journaliste BFM Business, Clément Monjou, directeur général d'Amazon Alexa France, Kesso Diallo, journaliste Tech&Co, et Benjamin Ferrié, cofondateur et directeur général de Sirius Games, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.

En entrevista para MVS Noticias con Luis Cárdenas, Juan Carlos Anaya, director general del Grupo Consultor de Mercados Agrícolas, habló sobre que piden a campesinos frenar bloqueos y no afectar a personas.See omnystudio.com/listener for privacy information.

Mardi 16 décembre, François Sorel a reçu Frédéric Simottel, journaliste BFM Busines, Didier Sanz, journaliste tech, Julien Villeret, directeur de l'innovation chez EDF, Léa Benaim, journaliste BFM Business, Salomé Ferraris, journaliste Tech&Co, Lieutenant-colonel Erwan Coiffard, porte-parole de la Gendarmerie Nationale, Antoine Rostand, président de Kayrros, Nicolas Zibell, président de Crosscall, et Adjudant Donatien Mombazet, porteur du projet « D3T : détecteur de drones et localisation en temps réel du télé-pilote », dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Lundi 15 décembre, François Sorel a reçu Damien Douani, responsable de l'innovation de l'école Narration et fondateur de Topos, Augustin Sayer, cofondateur d'Ovni, Frédéric Simottel, journaliste BFM Business, Julien Lidoine, directeur commercial realme France, Salomé Ferraris, journaliste Tech&Co, Romain Treussard, responsable Digital et Innovation SEPUR, et Vincent Hipault, CEO & co-fondateur de FICHA, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Good news for retirees! The Social Security Administration just announced a cost-of-living adjustment (COLA) of 2.8% for 2026 — that's an average increase of about $56 per month starting in January. In this video, Peter with Richon Planning and Erin Kennedy break down:  How inflation drives COLA increases  What the 2026 bump means for retirees  Why waiting to claim Social Security could still make sense  The updated Earnings Test limits for those who keep working before full retirement age It's not just a raise — it's a reminder to make sure your claiming strategy fits your overall retirement plan. If you'd like to learn more about social security claiming strategies, or how to create several streams of sustainable income in retirement, please call Peter at (919) 300-5886 or visit www.RichonPlanning.com

Jeudi 11 décembre, François Sorel a reçu Michel Lévy Provençal, prospectiviste, fondateur de TEDxParis et de l'agence Brightness, Clément David, président de Theodo Cloud, Claudia Cohen, journaliste chez Bloomberg, Léa Benaim, journaliste BFM Business, Xavier Roussin-Bouchard, directeur Recherche et Innovation du Groupe Rossignol, Kesso Diallo, journaliste Tech&Co, Fabrice Marsella, directeur de la Banque des Startups by LCL, Stéphane Hersen, CEO et fondateur de Skyted, et Guillaume Charly, CEO de Inside Quest, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Ce mercredi 10 décembre, François Sorel a reçu Jérôme Colombain, journaliste et créateur du podcast « Monde Numérique » ; Philippe Dewost, fondateur de Phileos ; Jean-Baptiste Kempf, co-créateur de VLC ; Léa Benaim, journaliste à BFM Business ; Séverin Benizri, CEO d'Apneal ; Kesso Diallo, journaliste Tech&Co ; Audrey Brayer, directrice de l'Innovation Opérationnelle et des Systèmes d'Information et membre du comex chez Groupe Pierre & Vacances-Center Parcs 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 9 décembre, François Sorel a reçu Frédéric Simottel, journaliste BFM Business, Christophe Aulnette, senior advisor chez Seven2 et ancien président de Microsoft France et Asie du Sud, Yves Maitre, operating partner Jolt capital, Léa Benaim, journaliste BFM Business, Matthieu Barbet, directeur des Opérations RX France chez EssilorLuxottica, Kesso Diallo, journaliste Tech&Co, et Benjamin Azoulay, PDG d'Oledcomm, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez la en podcast.

Ce lundi 8 décembre, François Sorel a reçu Enguerand Renault, directeur de la rédaction Satellifacts, Salime Nassur, fondateur de Maars, Frédéric Simottel, journaliste BFM Business, Caroline Arnoux, directrice du programme Ariane 6 chez Arianespace, Aristotele D'Angelo, responsable commercial Amazon Leo France, Italie et Espagne, ainsi que Frédéric Duval, directeur général d'Amazon France, dans l'émission Tech & Co, la quotidienne sur BFM Business. Retrouvez l'émission du lundi au jeudi et réécoutez-la en podcast.

With Small Business Saturday just having passed, we want to share the story of Payton Hollingsworth, the founder and CEO of Cola Stacks, a faith-based jewelry brand.Founded in 2020, Cola Stacks offers handmade, personalized, stackable bracelets at an affordable price. But it's more than just a bracelet. It's a personality staple, a daily reminder of love and motivation. It's what YOU make of it.

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.

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.

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.

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.

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

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

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.

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