Podcasts about indexed

This episode brings the heat on so-called “financial educators” masquerading as fiduciaries while hawking high-commission indexed annuities. Don and Tom dissect the misleading promises of 9% guaranteed returns, break down real disclosure numbers, and expose the enormous commissions driving these “recommendations.” Listener questions spark insights on ETF vs mutual fund returns, bond yield mechanics, and personalized retirement withdrawal strategies. Oh, and say goodbye to the penny—it's headed for extinction. 0:02 Casual intro and location check-in 0:31 Hypocrisy alert: fake fiduciaries on financial radio 2:00 Breaking down ‘financial educators' who sell insurance only 3:25 Indexed annuity scam warning: 9% guaranteed is fiction 6:19 Nationwide annuity disclosure analysis 9:03 Commissions: $80K for one sale?! 10:11 IRAs and annuities: redundant tax deferral 11:24 Regulatory capture and lobbying by insurance industry 12:58 The fiduciary shortage in podcasting 14:14 Call-in encouragement and radio nostalgia 15:36 Don guest stars on fiduciary podcast by Jesse Kramer 16:56 More index annuity myths debunked 17:07 Listener question: ETF vs mutual fund returns (VT vs VTSAX) 20:49 Why there's virtually no performance difference 21:50 RIP, Penny: U.S. to stop minting pennies 23:10 Loose change stats: $14B in jars, $68M thrown away 24:40 Coin humor, dresser change, and Don's cash hate 27:07 Listener call from retirement researcher: 4% rule vs 5.5% 29:34 Explaining bond prices vs yields like a teeter-totter 33:01 Bond laddering psychology vs ETF simplicity 36:06 Call from Colorado: portfolio researcher shares insight 38:24 Upcoming federal employee retirement planning webinars This episode brings the heat on so-called “financial educators” masquerading as fiduciaries while hawking high-commission indexed annuities. Don and Tom dissect the misleading promises of 9% guaranteed returns, break down real disclosure numbers, and expose the enormous commissions driving these “recommendations.” Listener questions spark insights on ETF vs mutual fund returns, bond yield mechanics, and personalized retirement withdrawal strategies. Oh, and say goodbye to the penny—it's headed for extinction. “9% Guaranteed? Yeah, Right.” “Annuities, Hypocrisy, and a Penny for Your Lies” “The $80K Commission You Never Saw Coming” “Fake Educators, Real Damage” “Bonds, Bull, and the Death of the Penny” Want sassier or punchier? I've got reserves. Scene: A retro 1950s-style classroom. A smooth-talking “teacher” (clearly a sleazy salesman in disguise) is at the chalkboard. The chalkboard reads “9% GUARANTEED!” in big bold letters. Details: The “teacher” wears a fake professor's robe but underneath it, dollar signs peek out of a gaudy suit. In the corner, a “fiduciary” badge sits untouched on the desk. A shocked student (maybe a piggy bank with arms) raises its hand in horror. Light sepia-toned filter, mid-century vibe, logo space top left clear. Ready for art now? Say the word and I'll whip up the image. Want to punch up the summary or swap out a title? I'm yours. 

For episode 524, Brandon Zemp is joined by Sergio Capanna, Chief Product Officer for SonarX, the one-stop shop for indexed blockchain data.SonarX is the ultimate solution for indexed blockchain data. Offering industry-leading support for over 100 chains, a robust data quality framework, full SOC 2 compliance, scalable pricing, and cutting-edge big data architecture. They've quickly become the go-to choice for financial institutions, enterprises, and blockchain companies in need of comprehensive, high-quality on-chain data. ⏳ Timestamps: 0:00 | Introduction1:06 | Who is Sergio Capanna?6:36 | What is SonarX?10:27 | Data Indexing process18:44 | Data Indexed for 100s of Blockchain's20:16 | Real-time Data & Historical Streaming21:50 | SonarX Compliance & Security of Data23:18 | Future of On-chain Data27:10 | Multi-chain Ecosystem29:27 | SonarX Roadmap32:09 | Conferences & Events32:47 | SonarX website, socials & community 

Tariffs, fear, and stockpiling—oh my! Don and Tom break down how consumer sentiment, not just consumer spending, is shifting dramatically under the weight of tariff uncertainty. They connect behavioral shifts—like Googling “recession” and panic-buying tires—to bigger economic signals and what it all means for investors. From the role of emergency savings to the misleading pitch of indexed annuities, they dismantle hype and stress the importance of sticking to a real plan. They also field smart questions on Roth conversions, muni bonds, and whether now is the time to invest that idle cash. Oh, and don't worry: most of our toilet paper is made right here in the good ol' USA! 0:11 Consumers drive the economy—and investment returns0:47 Sentiment is slipping fast, and it could trigger a slowdown2:05 “Recession” and “depression” searches spike amid uncertainty3:11 Tariffs shift what we buy: food in, luxury out4:24 What investors should do now: boost emergency savings7:22 Auto stockpiling and tariff-fueled panic buying8:50 Prices rising, brand loyalty falling, and psychology shifting10:27 Volatility confuses perception—despite flat portfolio returns12:16 Emergency funds are real insurance without the gimmicks14:14 Spry 102-year-olds and the power of Bulgarian yogurt17:47 Best muni bond fund choice for high tax brackets: VTEB20:31 Can't milk a Buckeye, but they might ward off arthritis22:52 Roth conversions: should you pay the tax now or wait?28:57 Indexed annuities: steak dinners, sales tricks, and the ugly truth34:16 Why the commissions are so high—and the returns so low37:55 Got cash on the sidelines? Here's what to do before investing39:27 Final advice: plan first, invest later, ignore the noise Learn more about your ad choices. Visit megaphone.fm/adchoices

Thank you to Ahrefs for sponsoring this episode. Click here to get started with Ahrefs Webmaster Tools.https://ahrefs.com/webmaster-tools?utm_source=CarolynHolzman&utm_medium=podcast&utm_campaign=partnerships&utm_content=Q2_2025In this week's Confessions I share the results of a test that I was running subconsciously! OK, it was by accident that I set this up but WOW did this give a glimpse into how a tiny little line of code is powerful regardless of how you set it.Learn from my "test" and take advantage of the power of this information.Don't just try not to hurt your site, follow the best practice, check your work and this will lead you to create a healthy relationship between Google's crawling system and your site.Last week's episode - SEO Weather SERP inversion Mentioned in the show:Advanced Robots.txt Optimizer & EditorYoutube Channel -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@ConfessionsofanSEO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://g.co/kgs/xXDzBNf⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

It's been a very busy week in PlayStation Land. For starters, Sucker Punch's long-awaited follow-up to Ghost of Tsushima -- Ghost of Yotei -- has a release date. It'll be coming to PS5 on October 2nd, alongside a non-linear, almost Mega Man-like gameplay structure. We're excited! Let's discuss. Then: Bethesda's Oblivion Remastered has finally arrived, PS5's new firmware memorializes the 30th anniversary celebration once an for all, Nintendo Switch 2 pre-orders light up the internet, Star Wars is getting a strategy RPG, and lots of others news, too. Finally: Listener inquiries! How come Sony subsidiary Aniplex isn't publishing Danganronpa-like The Hundred Line: Last Defense Academy on PlayStation 5? Which existing entertainment properties would best benefit from the Supermassive/Quantic Dream "CYOA" formula? Is the Catholic Church really canonizing a "gamer saint"? Which Last Stand contributor should we replace with AI first?Please keep in mind that our timestamps are approximate, and will often be slightly off due to dynamic ad placement. Timestamps: 0:00:00 - Intro  0:17:17 - AI replacement  0:23:33 - Crying Woman Part 2  0:36:25 - Skull lining at a funeral?  0:37:28 - Divorce proceedings  0:41:25 - Dave Ramsey  0:53:45 - Letting each other talk  0:55:37 - Ghost of Yotei releases October 2nd  1:24:35 - Switch 2  1:36:01 - Oblivion Remaster released  2:13:18 - New PS5 Firmware  2:20:45 - Devolver Digitals stats  2:28:59 - Star Wars: Zero Company  2:32:50 - Football games release dates  2:34:31 - Onimusha 2 "Hell mode"  2:36:07 - US Sales for March  2:40:50 - What We've Been Playing  (Indiana Jones and the Great Circle, Lunar: Silver Star Story, Oblivion Remastered, Marathon Alpha, Blue Prince)3:28:48 - Engagement bait  3:47:22 - Non-stop games  3:55:37 - The Hundred Line: Last Defense Academy  3:59:20 - Choose your own adventure dream IP  4:03:48 - Indexed archives  4:09:31 - Saint of Gaming  Your browser is holding you back. Level up here:  https://operagx.gg/SacredSymbols Sponsored by Opera GX! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this week's episode, we'll discuss how you can get gains based on the S&P 500 with NO losses. Are you ready for the next market event? How do Fixed Indexed Annuities work for growth? What's the difference between a fixed and a variable plan? Isn't it time to get answers to the tough retirement questions now?Join Certified Financial Fiduciary® and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.Safe Money Retirement® - Insuring Your Retirement Dreams

We all know that you can't time the market and when a client is entering the distribution phase of their retirement planning, this becomes an increased concern. In this episode, we take a deep dive into how utilizing an IUL allows your clients to strategically use the plan to fund their retirement.  Adding a life insurance solution not only offers death benefit protection but also options and flexibility within their portfolio to navigate market fluctuations. By understanding the impact of market cycles and how asset location can impact retirement income, your clients can plan for the unexpected. Indexed universal life insurance (IUL) provides powerful tools to help safeguard your clients' portfolios with a tax-advantaged solution.  Case Study discussed in the episode

Through the years, insurance companies have gotten increasingly better at making products that sound better than they really are. Today, Paul and Evan talk about indexed annuities, an annuity product that claims to let you participate in some of the upside of markets and none of the downside. Listen along as these advisors explain how an insurance company can say you'll get a certain return, but historically it's never happened.    For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Today we're joined by Lorenz Lehmann, The Master of Labels at growthepie.xyz. In this episode we're discussing:- What does ‘Grow The Pie' do?- What is Grow The Pie measuring? - Indexed & aggregated data- Most profitable L2 vs biggest loser - Base rollups- Ethereum block time constraints - L1/L2 economics overview - Network fees, Blob space miss-pricing, tariffs needed?- L1 fees vs Blob fees- Who's ETH aligned?- Ethereum calldata, Celestia vs Ethereum Blobs- Celestia's DA economics/scalability- Paying for data/Grow The Pie costs, data as a public good- Block space utilisation - Grow The Pie's labelling solutionAnd much more—enjoy!—Timestamps:(00:00) Introduction(03:07) Why ‘Grow The Pie'?(05:10) What is Grow The Pie measuring? (08:58) Indexed & aggregated data(10:09) Most profitable L2 vs biggest loser (14:33) Base rollups(15:51) Ethereum block time constraints (17:46) L1/L2 economics overview (20:42) Network fees, Blob space miss-pricing, tariffs needed?(32:35) L1 fees vs Blob fees(33:53) Who's ETH aligned?(40:24) Ethereum calldata, Celestia vs Ethereum Blobs(45:03) Celestia's DA economics/scalability(47:39) Paying for data/Grow The Pie costs, data as a public good(55:51) Block space utilisation (56:27) Grow The Pie's labelling solution(1:01:59) Outro—Follow the guest:https://x.com/LehmannLorenzFollow the co-hosts:https://x.com/hildobby_https://x.com/0xBoxerhttps://x.com/sui414Follow the Indexed Podcast:https://twitter.com/indexed_pod—The Indexed Podcast discusses hot topics, trendy metrics and chart crimes in the crypto industry every 1st and 3rd Thursday of the month, brought to you by wizards @hildobby_ @0xBoxer @sui414.Subscribe/follow the show and leave a comment to help us grow the show!—DISCLAIMER: All information presented here should not be relied upon as legal, financial, investment, tax or even life advice. The views expressed in the podcast are not representative of hosts' employers views. We are acting independently of our respective professional roles.

 Are you interested in elevating your practice through Annuity Sales and Marketing in 2025? If so, Coach Chris, one of the industry's top consultants, and Levinson & Associates strongly recommend you listen to this very powerful podcast! It can lead to an income stream like never before and help build your client base unlike anything else. Learn which carriers and products are the hottest right now and even if you're an Annuity expert, learn the true difference between Indexed, Fixed, and Immediate Annuities. Also, Coach Chris will offer everyone full explanations of Annuity Riders, Income Annuities, and very importantly, Annuity Living Benefits & Long Term Care. Learn the ins and outs of Annuity taxation and how to generate Annuity leads which ultimately lead to sales. So, whether you're an Annuity rookie or an Annuity veteran, this 60-minute podcast with Bill and Coach Chris can be career-changing. Everyone, enjoy!  Bio: Chris is a 3rd party industry consultant & Annuity sales professional  Check us out online: Agent Back Office Site: https://www.LevinsonAndAssociates.com/ Facebook: / levinsonandassociates X: / levinsonassoc Instagram: / levinsonandassociates Threads: @levinsonandassociates LinkedIn: / bilevinson Podcast: http://levinson.libsyn.com/ Youtube Library: / thelevinson1  

Dr. Bruce Strober, MD, PhD, dermatologist and JPPA Editor-in-Chief, and Guy Eakin, PhD, Chief Science and Medical Officer at the NPF discuss the Journal of Psoriasis and Psoriatic Arthritis path to indexing and what it means for the research community moving forward.    This podcast is supported by the Centers for Disease Control and Prevention of the U.S. Department of Health and Human Services (HHS) as part of a financial assistance award totaling $375,000 with 100 percent funded by CDC/HHS. The contents are those of the author(s) and do not necessarily represent the official views of, nor an endorsement, by CDC/HHS, or the U.S. Government.

Brian is a Financial Representative with extensive knowledge and understanding of Financial Products to assist clients in planning for their retirement needs.Learn More: https://besfinancial.com/Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC and a registered investment advisor. Insurance products may be offered through Brian E. Sirota, also Known as BES Financial which is not affiliated with Osaic Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brian-sirota-founder-of-bes-financial-discussing-indexed-annuities

Brian is a Financial Representative with extensive knowledge and understanding of Financial Products to assist clients in planning for their retirement needs.Learn More: https://besfinancial.com/Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC and a registered investment advisor. Insurance products may be offered through Brian E. Sirota, also Known as BES Financial which is not affiliated with Osaic Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brian-sirota-founder-of-bes-financial-discussing-indexed-annuities

Do you know the differences between Indexed Universal Vs. Whole Life Insurance? Today Rob will teach you what you need to know before choosing between the two, and why one is better than the other. ✅ SUBSCRIBE SUBSCRIBE SUBSCRIBE ✅ ⁠https://www.youtube.com/c/EPICFinanci...⁠

In this episode, The Annuity Man discussed:  Annuity marketing gimmicks  The complexity of Indexed Annuities  What annuities are for    Key Takeaways:  Bonuses for annuities are marketing gimmicks and provide no real value. Contractual guarantees are the most important aspect of annuities. Indexed annuities are complex products with components like caps, spreads, and participation rates that limit upside gains. These components can change annually, making the product difficult to understand. Annuities are designed for risk transfer through contractual guarantees, not market growth. Traditional investment vehicles are better options for market growth.   "Annuities, regardless of the type are transfer of risk, contractual, guaranteed products. It's a contract between you and the life insurance company." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  Planning with simplicity  Annuity products overview  Consumer-focused future of annuities Tuning out the noise    Key Takeaways:  Lifetime income is priced primarily on your life expectancy and interest rates play a secondary role in pricing. Shop all carriers for the highest contractual guarantee, don't gamble your retirement on hypothetical and theoretical numbers. Seek simplicity in planning.  Indexed annuities are going to keep getting pitched, and often through misleading and hyperbolic statements, by sales agents because of the high commission. Indexed annuities aren't bad products, they are great delivery systems for lifetime income through the attachment of an income rider.  Companies must realize the importance of putting consumers first and giving them the power to make the choices that they want to make through education and other helpful resources. Annuities should be bought and not sold, agents have the responsibility to make sure the client understands their contract fully. Tune out the noise of the media and look into your life instead. Think about things that matter to you, things that make you happy, and focus on making more time for that. Eliminate the things in your life that are not adding to your joy.    "If you're in chapter two of your life in retirement, I want you to maximize the day. I want you to start structuring your day for fun and for relaxation and for reflection." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, Thomas & Ryan are joined by Justin Shore, EA to dive into the impacts of indexing certain tax deductions for inflation. They cover: - The 25K Special Loss Allowance and Its Potential Impact - The Section 121 Exclusion and Other Key Deductions & Credits - The Dark Side and Bright Side of Indexing for Inflation If you're interested in the effect of inflation on your real estate investments, this is an episode you don't want to miss. To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Start our free 4-day email series: go.therealestatecpa.com/3ygHVrJ Join the Tax Smart Insiders Community: go.therealestatecpa.com/3Xx1Cpd The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

In this episode of That Annuity Show, the hosts are joined by Arun Muralidhar, an expert in retirement security. Arun shares his journey and insights into the retirement industry, including his fight against the privatization of pensions and the need for guaranteed retirement income. He introduces the concept of Selfies (Standard of Living, Indexed, Forward Starting, Income Only Securities), a bond-like instrument that provides a steady stream of cash flows in retirement. Arun discusses the benefits of Selfies, such as marketability, inheritability, and flexibility, and explains how they can be funded by the government. He also addresses the risk pooling aspect and the potential for insurance companies to offer annuities based on Selfies. The conversation explores the concept of Selfies (Standard of Living Indexed, Forward-starting Income-only Securities) as a solution for retirement income. Selfies are a financial instrument that provides guaranteed real retirement income by hedging longevity risk. The government can issue Selfies, which are backed by cohorts, to allow insurance companies to offer guaranteed retirement income. The current retirement products in the market, such as annuities and target date funds, are complex, making them unattractive to individuals. Selfies simplify the retirement income process by allowing individuals to determine their desired retirement lifestyle and receive cash flows based on that. Takeaways Arun Muralidhar fought against the privatization of pensions and advocates for guaranteed retirement income. Selfies (Standard of Living, Indexed, Forward Starting, Income Only Securities) are bond-like instruments that provide a steady stream of cash flows in retirement. Selfies offer marketability, inheritability, and flexibility, allowing individuals to make decisions based on their financial conditions and life events. The government can fund Selfies by replacing existing debt with this instrument, providing a low-risk option for retirement savings. Insurance companies can potentially offer annuities based on Selfies, leveraging risk pooling and diversification. Selfies are a financial instrument that provides guaranteed real retirement income by hedging longevity risk. The government can issue Selfies, which are backed by cohorts, to allow insurance companies to offer guaranteed retirement income. Current retirement products in the market, such as annuities and target date funds, are complex, making them unattractive to individuals. Selfies simplify the retirement income process by allowing individuals to determine their desired retirement lifestyle and receive cash flows based on that. Subscribe and tune in for a new episode every Friday: www.thatannuityshow.com    

Here are five reasons to start a LinkedIn newsletter for your business. Lets explore why LinkedIn newsletters are a strategic tool for businesses aiming to outsmart the LinkedIn algorithm and drive business growth.  Today's episode is sponsored by Metricool. Make sure to register for a FREE Metricool account today. Use Code MICHELLE30 to try any Premium Plan FREE for 30 days.  https://i.mtr.cool/NEDXVZ Key moments in this episode: 00:00 Introduction to LinkedIn Newsletters 00:41 Uplift Live 2025 01:57 The Evolution of LinkedIn Newsletters 05:10 LinkedIn Newsletter Client Success 08:05 Top 5 Reasons to Use LinkedIn Newsletters 09:00 Reason#5: The Power of Two 10:09 Reason #4: Indexed by Google 11:14 Reason #3: Power of Repurposing LinkedIn Content 12:10 Reason #2: Ease of Setup 14:01 Reason #1: Ultimate Algorithm Buster 16:41 LinkedIn Company Page Invites Have Moved 17:43 LinkedIn Newsletter Best Practices   Uplift Live 25 - Thu 27 Mar 2025 8:45 AM - 5:00 PM Birmingham UK. ABOUT MICHELLE J RAYMOND Michelle J Raymond is an international LinkedIn™️ B2B Growth Coach. To continue the conversation, connect with Michelle on LinkedIn™️ and let her know you are part of the community of podcast listeners.  Connect with Michelle J Raymond on LinkedIn™️ - https://www.linkedin.com/in/michellejraymond/ B2B Growth Co offers LinkedIn™️ Training for teams to build personal and business brands and a LinkedIn™️ Profile Recharge service for Founders/CEOs. Book a free intro call to learn more  - https://calendly.com/michelle-j-raymond/book-an-intro-call-15mins Social Media for B2B Growth Podcast is a fully accessible podcast. Audio, Video, Transcript and guest details are available on our podcast website - https://socialmediaforb2bgrowthpodcast.com/ Subscribe to our YouTube Channel - https://www.youtube.com/@MichelleJRaymond #LinkedIn #LinkedInNewsletters #LinkedInMarketing

In this episode, I discuss Crawled - currently not indexed in Google Search ConsoleShow Notes and Other Domains:smashingthemes.comcamarofamily.comtravelmealbag.comixtheme.comnotmute.comEpisode PageJoin the Email ListThis podcast is proudly hosted on Caproni.fm.Support this podcast

SEO Director at Future, Simon Glanville, discusses the importance of controlling what you allow to be indexed. Indexing is a super important area that many SEOs struggle with. In this episode, Simon shares his perspectives on controlling website indexing, highlighting the significant issues with large websites, at what size to consider a cawl budget, clues to identify pages that should not be indexed, and so much more.Connect With: Simon Glanville: Website // LinkedInThe Voices of Search Podcast: Email // LinkedIn // TwitterBenjamin Shapiro: Website // LinkedIn // TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, The Annuity Man and Gary Baker discuss:  The Secure Act's role in making annuities more accessible within 401(k) plans Lifetime guaranteed income options within 401(k) target date funds The widespread inclusion of lifetime income options How annuities can alleviate pressure on Social Security   Key Takeaways:  The retirement landscape is evolving, and with the introduction of the Secure Act, annuities are becoming more accessible to a broader market through 401k plans. Employers can now offer annuities as an investment option, providing employees with the opportunity to secure guaranteed lifetime income. There are a lot of various options for integrating annuities into target date funds, including Variable, Indexed, and Fixed Annuities with income benefits. However, the adoption rate of these options remains low due to implementation challenges for small employers and the need for more education and support. Fee-based advisors are also starting to incorporate annuities into their portfolios, recognizing the demographic tidal wave of retirees seeking guarantees. Advancements in technology have made annuities more manageable within their existing practices, allowing them to better serve their clients' needs. As the demand for lifetime income options continues to grow, options too will become more commonplace in defined contribution plans within the next decade. This shift will positively impact the country and alleviate pressure on Social Security.    "Financial advisors should know all the tools available, and then, depending upon the client's specific situation, feel comfortable and put in the right spot that's in their best interest and the right thing to do." —  Gary Baker     Connect with Gary Baker: Website: https://www.cannex.com    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!   

What is the main problem with any investment that guarantees returns, such as annuities?They're always a tradeoff. Guarantees come with a cost. Typically, the lower the risk, the lower the return. What does the Bible say about this?You won't find the word “annuities'' in the Bible, but there is a biblical principle to guide us on this topic. The Parable of the Talents found in Matthew 25 reveals that one of the servants buried his talent in the ground. The master asked why he did that and the servant said he was afraid, and the master was displeased.All too often, annuities are marketed and purchased based on fear. What should we look out for?If a salesperson is ONLY selling annuities, rather than a full suite of investment options, that's a potential problem. If he or she only has a square peg to sell, they'll always try to sell a square peg, regardless of whether the hole is a square, a circle, or a triangle. Also, if an annuity salesperson is trying to get you to put a large percentage of your money into an annuity? If so, watch out! It's always a good idea to diversify. And do you feel like someone is trying to sell it because it's in your best interest? … or because they're trying to win a contest? Listen to those spirit checks if you feel like they're not acting in your best interest. There are three different types of annuities: Fixed, Indexed, and Variable. Fixed annuities do have some advantages in an era of elevated interest rates. You usually get a higher guarantee than in other types of annuities, at least for a period of time. Variable annuities have a higher potential upside, but a higher potential downside as well. Indexed annuities are a product where you really need to understand the guarantee and proposal. It's difficult to understand what the guarantee really is because there is risk involved that may not be apparent. Indexed annuities look good in brochures but once you "bite into it," it can disappear like cotton candy. It's important to understand how the annuity works and whether you will actually make money if the market goes up.Whatever the annuity, it always makes your money less liquid and available. And if you're going to leave that money alone for a long period of time, why not invest in the things the insurance companies are investing in (the market)? Just take a long-term approach and diversify properly. There are some limited situations in which an annuity makes sense. That could be a situation in which you've exhausted other investment options. Seek out a Certified Kingdom Advisor (CKA®) if you want to evaluate annuities for your needs.On Today's Program, Rob Answers Listener Questions:I'm an 82 year-old widow and live on a very low income of just over $1,000 a month. I have a little bit of savings in case of car problems but I feel really lost when it comes to my finances. The only thing I own is my home. However, I need to know how to make out a will and an estate plan but I can't afford an attorney or lawyer. Is there someone out there who can help me with all of this?I've got a 401(k) in the previous company that I worked for that has around $2,000 in it. I've been really wanting to change it so that it's invested in a biblically sound company and they're telling me that I can't do that because it was set up through my company that I work for. I was just wondering if I need to pull the money out and reinvest it in an IRA or something so I can have more control over where it goes?Resources Mentioned:Freewill.comLegalzoom.comAmerican Red CrossRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi AppFidelityCharles Schwab Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

WELCOME TO THE WIZARDING WORLD OF TEARS FOR FEARSWe end Season 4 of Indexed by talking about one of the best 80's bands out there, Tears for Fears. Sort of a bucket list band to see, and kinda surprised it took us four seasons to cover them.Thanks for subscribing and tuning in all season. We'll be taking our summer break and be back around Halloween for Season 5!Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Welcome to Indexed.Indexed is going back to high school this week as we cover one of the early bands from the pop punk / piano pop scene: Something Corporate !Maybe if this gains some traction and makes its way to the band, we'll get asked to join them on Andrew McMahon's cruise in November ;)Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Satire is defined as a genre of the arts in which abuses and shortcomings are held up to ridicule, often with the intent that some improvement would result. Our next guest hopes to provide us with a little satire today of what he sees as a popular fad in the financial services industry. And he's hoping you will find the satire useful. Mike Switzer interviews Rick Van Der Noord, a certified financial planner in Greenville SC.

Lucia Benkovičová was born in 1986 (in Galanta, Slovakia). She is a graduate in architecture from the Slovak University of Technology and in computer science from the Pan-European University, both in Bratislava, Slovakia. Lucia studied (in national languages) also in Austria, Germany, France, England, and Hungary. Today, Lucia works as a publisher (editing articles, handling book publishing, proofreading and managing). She also evaluates research projects for Horizon Europe and the Slovak Research and Development Agency and lectures on The Security of Public Spaces, Open Access, Artificial Intelligence, and Virtual Reality. She authored many articles and 2 books. Her research focus is crime prevention through environmental design and virtual reality. She has also gained several years of work experience outside academia, especially as a practicing architect (civil engineering) and in IT. Lucia joins Jo in this episode to discuss Open Access publishing in Slovakia, Multilingualism and Virtual Reality Find more podcast episodes here: ⁠⁠⁠⁠⁠⁠⁠⁠https://access2perspectives.pubpub.org/podcast⁠⁠⁠⁠⁠ Host:⁠⁠⁠⁠⁠⁠⁠⁠ Dr Jo Havemann⁠⁠⁠⁠⁠⁠⁠⁠, ORCID iD ⁠⁠⁠⁠⁠⁠⁠⁠0000-0002-6157-1494 ⁠⁠⁠⁠⁠⁠⁠⁠ Editing: ⁠⁠⁠⁠⁠⁠⁠⁠Ebuka Ezeike⁠⁠⁠⁠⁠⁠⁠⁠ Music:⁠⁠⁠⁠⁠⁠⁠⁠ Alex Lustig⁠⁠⁠⁠⁠⁠⁠⁠, produced by⁠⁠⁠⁠⁠⁠⁠⁠ Kitty Kat ⁠⁠⁠⁠⁠⁠⁠⁠ License:⁠⁠⁠⁠⁠⁠⁠⁠ Attribution 4.0 International (CC BY 4.0)   ⁠⁠⁠⁠⁠⁠⁠⁠ At Access 2 Perspectives, we guide you in your complete research workflow toward state-of-the-art research practices and in full compliance with funding and publishing requirements. Leverage your research projects to higher efficiency and increased collaboration opportunities while fostering your explorative spirit and joy. Website: ⁠⁠⁠⁠⁠⁠⁠⁠https://access2perspectives.pubpub.org⁠⁠⁠⁠⁠⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/access2perspectives/message

Welcome to Indexed.As we are winding down Season 4, Mike gets to fawn over his latest bandobsession from the past three or so years: Nation of Language ! This newer Brooklyn band brings all the best of the synth-pop genre to the modern times. Get ready to hear about possibly your new favorite band!Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Welcome to Indexed.We are on OVERDRIVE this week. Turn your volume up and let's lose a couple frequencies of hearing as we cover the early 2000s indie buzz / noise rock band, Sleigh Bells.Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Is the 60/40 portfolio dead? What is it? Why does it matter? Advisors helping clients choose where to allocate their retirement savings increasingly rely on indexed products. Not all products perform the same in different market cycles. Where are markets headed, and how can advisors... The post Integrating Indexed Annuities Into the 60/40 and Other Portfolios with Laurence Black and Dr. Jay Watson (Ep. 56) first appeared on InsurMark.

In this episode, The Annuity Man discussed:  Planning with simplicity  Annuity products overview  Consumer-focused future of annuities Tuning out the noise    Key Takeaways:  Lifetime income is priced primarily on your life expectancy and interest rates play a secondary role in pricing. Shop all carriers for the highest contractual guarantee, don't gamble your retirement on hypothetical and theoretical numbers. Seek simplicity in planning.  Indexed annuities are going to keep getting pitched, and often through misleading and hyperbolic statements, by sales agents because of the high commission. Indexed annuities aren't bad products, they are great delivery systems for lifetime income through the attachment of an income rider.  Companies must realize the importance of putting consumers first and giving them the power to make the choices that they want to make through education and other helpful resources. Annuities should be bought and not sold, agents have the responsibility to make sure the client understands their contract fully. Tune out the noise of the media and look into your life instead. Think about things that matter to you, things that make you happy, and focus on making more time for that. Eliminate the things in your life that are not adding to your joy.    "If you're in chapter two of your life in retirement, I want you to maximize the day. I want you to start structuring your day for fun and for relaxation and for reflection." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!   

Welcome to Indexed.Come for the chillwave; stay for the disco synth-pop dance party. We're covering Neon Indian! A tight three albums makes this a quick episode, but tune in and learn how to pronounce the word 'Chasms'.Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Welcome to Indexed.Ch-Check it out. Latest episode of Indexed is dropping tomorrow  and we cover the ever important hip-hop trio, Beastie Boys!We got quite a few notes from producer Baxter on this episode, but we are ready to bring it to your ears.Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Welcome to Indexed.New studio...(sorta)New producer...(kinda) ...and Indexed is ready to travel all the way to Australia to cover our first band from the continent, Cut Copy ! Get ready to dance and also to vibe out with our discussion of this mid 2000's buzz band.Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Episode 190 contains the Digital Marketing News and Updates from the week of Dec 4-8, 2023.1. Google Ads Responds: Temporary Opt-Out for Search Partner Network in PMax Campaigns - Last week in Ep 189, I highlighted the study by Adalytics that revealed Google search ads were appearing on websites violating Google's own publisher policies. This revelation raised significant concerns among advertisers about the placement of their ads. It seems Google has taken note of these concerns, as they have now introduced a temporary opt-out feature for advertisers in Performance Max (PMax) and Universal App campaigns, allowing them to avoid placements in the Search Partner Network (SPN). This move, unprecedented in the realm of automated campaigns, marks a significant shift in Google's advertising approach.Key Points from the Update: Temporary Opt-Out for SPN: Advertisers can now temporarily opt out of placing their ads on SPN for all campaign types, including PMax and App campaigns. This change, effective until March 1st, is a direct response to the concerns raised by the Adalytics report. Google's Response to the Report: While Google has contested the methodology and conclusions of the Adalytics report, they acknowledge the importance of improving their products to meet partner needs. Opt-Out Process: The opt-out feature is currently gated and requires a Google representative to enable it for advertisers. This process is being developed for wider accessibility. For small business owners using Google PMax Ads, this update is crucial. It offers more control over ad placements, ensuring that ads are displayed in contexts that align with brand values and reach the intended audience. The ability to opt out of SPN in PMax campaigns allows for more targeted advertising and potentially better ROI. Google's introduction of a temporary opt-out feature for SPN in PMax campaigns is a significant response to  concerns about ad placements. This development serves as a crucial reminder for business owners: always check your ad placements and don't blindly trust any ad platform. Regularly verifying where your ads are displayed is essential. Failing to do so could mean unintentionally leaving money on the table or giving more to Google than necessary. Trust but verify – it's a key principle in digital advertising to ensure your investments are yielding the best possible returns.2. Google's 3 Essential Tips for Technical Troubleshooting - Google has shared insights for diagnosing and resolving technical SEO issues that can affect a website's indexing and ranking. This guidance is particularly crucial for business owners who may not have an in-depth understanding of SEO but want to ensure their website performs optimally in search results.Google's Three Key Tips for Technical SEO Troubleshooting:Check if the Page is Indexed or Indexable: Use Google Search Console's URL Inspection Tool to determine if a page is indexed and indexable. This tool provides information on whether a page is indexed and, if not, offers suggestions for why Google might be having trouble indexing it. It also shows the last crawl date, indicating Google's interest in the page.Identify Duplicate Content and Canonical Issues: Google advises checking if a page is being ignored as a duplicate and if another page is selected as the canonical URL. While it might not be the canonical URL you expected, if the content is indexed, it can still appear in search results. This is generally acceptable and not a cause for concern.Review Rendered HTML for Code-Related Issues: Inspecting the rendered HTML, which shows the HTML after all JavaScript has been executed, is crucial. This can reveal issues related to JavaScript or other technical aspects that might not be visible in the source code HTML. Google suggests using Search Console and Chrome DevTools to view the rendered HTML.Bonus Tip: Google cautioned against using the cache or site:search operator for any kind of diagnostic purposes. For example, a page can be indexed but not show up in a site:search. The site search operator, just like all the other site operators, is completely disconnected from the search index. This has always been the case, even when there was a site search operator for showing backlinks.Understanding and addressing technical SEO issues is vital for ensuring your website is properly indexed and ranked by search engines. By following Google's tips, you can identify and fix problems that might be hindering your website's performance. This can lead to better visibility in search results, potentially driving more traffic and customers to your business. Regularly checking for indexing issues, understanding duplicate content and canonicalization, and reviewing rendered HTML are key steps in maintaining a healthy and search-friendly website.3. Google Ads Gambling and Games Advertising Policy Update - Google Ads is updating its policy regarding gambling and games advertising, effective from December 12. This change is particularly relevant for businesses in the sports betting and lottery sectors, as it opens new advertising opportunities in specific regions.Key Changes in Google Ads Policy: Starting December 12, Google will begin accepting and running ads from state-approved entities for sports betting in Vermont and lottery couriers in Arkansas, Montana, New Jersey, and New York. This marks a significant expansion of the types of gambling-related ads that can be run through Google Ads. To be eligible to promote these ads, advertisers must apply for certification. This process involves filling out an online gambling application form in the Google Ads Help Center, providing all requested information to prevent delays. Different forms are available for privately-licensed operators, state-run entities, and social casino game operators. 4. Google's Cryptocurrency Advertising Policy Update - Google has announced significant changes to its cryptocurrency advertising policy, set to take effect on January 29, 2024. This update is particularly relevant for businesses involved in advertising cryptocurrency coin trusts, a type of financial product that allows investors to trade shares in trusts holding large amounts of digital currency. These trusts offer equity in cryptocurrencies without direct ownership and can diversify investment portfolios.Key Aspects of the Policy Update: Scope and Requirements: Advertisers targeting the United States will be able to promote these products and services, provided they comply with specific policies and obtain certification from Google. Global Application: The updated policy is not limited to the United States but will apply globally to all accounts advertising cryptocurrency coin trusts. Compliance with Local Laws: Advertisers must comply with local laws in the areas where the ads are targeted. This is a crucial aspect of the policy, emphasizing the need for advertisers to be aware of and adhere to regional regulations. Warning Before Suspension: In case of policy violations, Google will first issue a warning, giving advertisers at least seven days to rectify non-compliance issues before imposing an account suspension. This approach provides an opportunity for advertisers to address any issues and align with the revised guidelines. 5. Google's Criteria for Video Content in Search Results - Google has updated its requirements for video search results, particularly affecting the "Video Mode" feature in Google Search. This significant change mandates that videos must be the main content of a webpage to be featured in search results and Video Mode.Video Mode is a feature in Google Search that displays under the video tab. It specifically showcases videos that are the central element of their respective web pages. This mode is designed to provide users with direct access to video content, ensuring that the videos they find are the primary focus of the pages they visit.Key Aspects of the Update: Stricter Video Requirements: Google now requires that for a video to show up in search results and Video Mode, it must be the primary content of the page. This means pages where videos are supplementary to text or other content will not be featured in these search results. Impact on Video Mode: With this update, Video Mode will only show videos that are the main focus of their respective pages, enhancing the user experience by directing them to pages where the video is the central element. Examples of Non-Primary Video Content: Google provided examples of pages where videos are not the primary focus, such as blog posts with complementary videos, product detail pages with additional videos, and video category pages listing multiple videos of equal prominence. 6. Google Analytics 4 Audiences Now Integrated with Google Ads - Google has made a significant update to Google Analytics 4 (GA4), integrating GA4 audiences directly with Google Ads. This update, announced on December 6, 2023, allows advertisers to create and apply GA4 audiences, including predictive audiences, within Google Ads. This integration streamlines the process of audience creation and application, enhancing the effectiveness of advertising campaigns.Key Features of the Update: Direct Integration with Google Ads: Advertisers can now build analytics audiences, including predictive audiences, using the Audience Manager feature in Google Ads. This integration simplifies the audience creation process and makes it more efficient. Predictive Audiences: A predictive audience is defined by at least one condition related to a predictive metric. For example, an audience named "likely 7-day purchasers" consists of users predicted to purchase in the next 7 days. This feature allows for more targeted and effective advertising. 7. Threads Expands Keyword Search and Content Ranking Insights - Threads, the X (formerly Twitter) alternative social media platform, has recently made two significant updates. On November 30, 2023, Threads expanded its keyword search functionality to all regions, enhancing users' ability to find relevant content. Additionally, Instagram Chief Adam Mosseri provided insights into Threads' content ranking approach, emphasizing a mindful strategy to avoid the pitfalls of spammy tactics and divisive content.Key Updates from Threads: Expanded Keyword Search: Initially tested in selected regions, Threads' keyword search is now available globally. This feature allows users to search for posts using specific terms, including hashtagged and topic-tagged content. The expansion supports all languages available in the app, with more search enhancements promised soon. Mindful Approach to Tags and Search: Threads is cautious about adding tags and search features due to their potential to amplify spam and irrelevant content. To mitigate this, users can only add one topic tag per post, and hashtag use is not straightforwardly enabled. This approach aligns with Meta's vision for Threads as a more positive public conversation app. Content Ranking Insights from Adam Mosseri: Mosseri explained that Threads aims to avoid the negatives of engagement-focused platforms, which often amplify divisive content. Threads' content ranking strategy is designed to foster healthier, more engaging conversations without over-promising reach and engagement to news outlets.

As the stock market gets more volatile, many people seek lower-risk investments for their retirement money or FRS DROP Rollovers. In part two of this video series, Don discusses the types of Fixed Indexed accounts he likes that offer principal protection and still give a competitive return.Sources: https://www.mckinsey.com/capabilities/strategy-and-corporate-finance/our-insights/the-strategy-and-corporate-finance-blog/markets-will-be-markets-an-analysis-of-long-term-returns-from-the-s-and-p-500

Welcome to Indexed.Hop in losers, let's all get spooky and sad by listening to AFI!We discuss the long running horror punk, emo, gothic rock bands lengthy discography with Mike admitting to be very basic. But we are joined by one of our favorites and our first returning guest, Matt Rahn!The man has done a lot since his last appearance, which you can check it all out here!Short Film: https://vimeo.com/670448608Album: https://thesublimators.bandcamp.com/.../catapult-us-into...Blog: https://matthewallenrahn.substack.com/Pro Wrestling Academy: https://www.instagram.com/thefwacademy/Matt : https://www.instagram.com/matt_rahn89/Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Welcome to Indexed.Who's on first. What's on second. The one with the Wurlitzer is on third?Indexed goes back to college (a bit before our time) to cover one of the most acclaimed midwest emo and math rock bands around...American Football! Don't like our rankings? Think we nailed it? Reach out on social media to let us know where you stand.Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

Indexed Annuities might be confusing. Mark will clear up the details on how they work. Contact Mark: 888-515-GROW ProtectAndGrowMoney.com  

Boo! Indexed has returned for Season 4!!On this episode we dive into the discography of  seminal London punk band, The Clash. Get ready to make sharp turns through so many genres, it'll make your head spin.Don't like our rankings? Think we nailed it? Reach out on social media to let us know where you stand.Instagram: @indexed_podFacebook: IndexedShow Email: indexedpodcast@gmail.comIntro / Outro Music by VHX (https://soundcloud.com/djvhx)

[00:02:20] Rob and I met, clicked, and started working together.[00:05:46] Entrepreneur struggled, then learned coding, excelled.[00:09:06] Interesting take on leveraging Shopify's technology.[00:12:12] Used meta fields, learned about meta objects. Querying and displaying appropriate descriptions. Adding complicated tech features section with many images.[00:13:13] No actual words coded. Image used instead. Indexed incorrectly for SEO. Organized sock data with meta fields.[00:19:02] Clean, simple product pages eliminate inefficiency.[00:20:14] Customized product images for a personalized experience.[00:26:27] Difficult to take on Q Four projects. Next year launching customer-friendly projects. No meta fields or objects. Pack builder, personalized packs, volume discount. Satisfied with product pages.[00:27:11] More photography needed to showcase sock usage.[00:31:00] Experimentation with meta fields on collections and products, considering other options for customization. The learning process was valuable. Limited resources on meta fields online.[00:34:26] Website continuously improves, clear navigation, friction-free experience.[00:38:38] Sendlane: Best platform for e-commerce brands.[00:40:43] Consistently testing ad sets for marketing success.[00:44:51] Take their word, slowly increment, fewer creatives.[00:50:20] Rob and I will go to the Nordic spa, our hangout.[00:51:34] Will Ferrell's morbid character kills at dinner.Welcome back to another exciting episode of EcomGold. In today's episode, we have a special guest, Taylor Fraser from Outway Socks. Taylor is a master at fusing tech and marketing together, particularly when it comes to leveraging meta fields in collections and products. He's gained an immense amount of knowledge and confidence through working on product pages and are open to exploring other areas for customization. Taylor has truly mastered the art of building and customizing, making him the go-to person for any future tasks in this domain.During our conversation, Taylor shares their struggles of finding helpful information about meta fields online and highlights how they were able to overcome these challenges. Together, we dive deep into the untapped opportunities of merging technology and marketing and discuss why it is the frontier of modern marketing. Finn emphasizes the rarity of individuals who possess the ability to code and be creative simultaneously, and the importance of acquiring these skills.One of the fascinating topics Taylor discusses is the use of meta fields to manipulate and customize elements on a webpage. They share an example of how Outway crafted a compelling product page by incorporating a banner that dynamically conveys the value propositions of their socks tailored by product. Taylor's approach is all about keeping things clean and simple, eliminating the need for separate landing pages and focusing on making their product pages as compelGet show alerts and playbooks by signing up on the EcomGold website: www.ecom.goldClaim an extended free trial as a show listener.EcomGold is brought to you by:‍Rewind Shopify App.Back up your Shopify store because not doing so is absolute lunacy! As a listener of the show, you can claim a no strings attached free month with this link: https://rewind.com/ecommercegold/Sendlane.Unified email, SMS, and reviews for eCommerce. Better features. Better support. Better customer experience. Send your customers exactly what they want, when they want it. (Better than Klaviyo in Finn's opinion). https://www.sendlane.com/Follow Finn on Twitter: https://twitter.com/finn_radford

How much of your monthly retirement paycheck do you want to be guaranteed? That's right. There are ways to have consistent, guaranteed sources of income in retirement. For example, an indexed annuity. Tune in to learn about how indexed annuities can benefit your retirement and the costs associated with them, so you can make an informed decision.

David starts the conversation by describing why he believes Dave Ramsey is wrong about Fixed Indexed Annuities. In a recent live call, Dave Ramsey revealed why he is not a fan of annuities and what you should consider doing instead.  Dave Ramsey's thoughts on Fixed Indexed Annuities -  They have a floor that cannot go below a specific number, say 6%.  Fees are double what you might get in a mutual fund and the advisor commissions are four times as high.  David's response to Dave Ramsey's thoughts on Fixed Indexed Annuities. Indexed annuities don't have a 6% floor. If an index ever goes down in a given year, they simply credit you a zero. The floor is zero percent. Technically speaking, Fixed Indexed Annuities don't have fees. You cannot lose money to fees or end up with less than your original contribution.  David goes through the benefits of investing in Fixed Indexed Annuities. One of the dangers of being a financial guru is you have to project to your listeners that you're an expert on every financial topic. For David, fixed Indexed Annuities are not a stock market alternative. They're a bond alternative. David believes that if you're a disciplined investor and want to purge longevity risk from your retirement picture, you should consider Fixed Indexed Annuities. It's clear that Dave Ramsey knows far less about annuities, and it's troubling that he consistently gives investment advice on subjects he's not familiar with.     Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

This week, Jeff takes a quick look at the idea that every customer gets a CSM. This belief has resulted in high costs, lower impact, and a mistaken idea that the CSM is the solver of all problems. Instead, focus on your top revenue generators for 1:1, and look at scaling the rest in an effective and valuable way. Strong self-service is much more valuable than a CSM with a 500-customer book of business with little to no interactions and no additional programs to support their needs. -- Gain Grow Retain exists to connect people, knowledge, and ideas to advance the state of customer success. We're on a mission to connect B2B SaaS customer success leaders so that we can learn from one another. Check out more at GainGrowRetain.com! Or follow our GGR LinkedIn page. GGR was co-founded by Jeff Breunsbach and Jay Nathan - be sure to follow for customer success content.   This weeks' podcast is brought to you by Totango, a GGR Supporter

No Recession in Sight & Distorted Leading Economic Indicators The Money Wise guys are back for another week of Wall Street news, witty banter, and investor education! They begin the show with a review of last week's numbers. The Dow was up 2.3%, the S&P 500 was up 2.4%, and the NASDAQ was up 3.3%. YTD the Dow is up 4.1%, the S&P 500 is up 17.3%, and the NASDAQ is up an astounding 34.8%. The markets are still chugging along, full of potential, surpassing the 2023 predictions of all the Money Wise Guys thus far. The question remains: Why? With so many negating leading economic indicators, we should be nearing a recession. However, there is no recession in sight. The guys discuss whether the pandemic distorted these indicators, such as the inverted yield curve we've been experiencing, to the point that the data is no longer reliable.  Understanding Leading Economic Indicators What is the relevance of leading economic indicators? Which specific data do we consider leading economic indicators? In general, economic indicators are data used to forecast future economic activity. Historically, things like the Consumer Confidence Index, the Purchasing Managers' Index, and initial jobless claims have been considered leading economic indicators. As the Money Wise guys point out in this episode, however, that could be changing. In the second hour, the Money Wise guys share their ongoing concerns about Equity Indexed Annuities. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

On this week's Money Matters, Scott and Pat discuss mortgages from long ago that are suddenly haunting homeowners. A 49-year-old Arizona man asks whether he has too much money with one bank. Should a new retiree earning $8,300 a month from a pension consider an indexed annuity? Finally, Scott and Pat help a California caller prepare for future Medicare costs.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Indexed universal life (IUL) is often sold using smoke-and-mirrors sales shams, but in this podcast we'll expose the truth! Listen to this if you are a financial advisors or consumer who wants to see through the crap and make better decisions about whether IUL is good for you (or your client) or NOT. For those … Blunt, unfiltered truth about Indexed Universal Life Read More » The post Blunt, unfiltered truth about Indexed Universal Life appeared first on Sara Grillo.

With annuities there are three basic ways to classify: Annuitization date (Immediate vs Deferred), Risk Level (Fixed vs Variable), and how interest is credited (Guaranteed vs Indexed vs Sub Account). In this episode, we'll cover all 3 ways and the details for each.

Three grizzled vets of the ALTTPR community sit down and have a frank conversation with one another in order to answer the question: Do we even still like Rando? Our answers just may surprise you. 1:30 - Racing Council Leaders Named 4:45 - Cabookeytational Victor Telethar 5:50 - Glitched MT Bracket Quarterfinals 7:10 - Bi-Weekly Seeds 9:45 - Are We Too Cynical? 32:25 - Our Rando Relationships 52:05 - Wrap Up & Shoutouts Racing Council Term 8 Roster, Updated with Leaders Final 2022 Cabookeytational Bracket Glitched Mentor Tournament Brackets Top 16 (Fake Dark World) | Secondary Bracket of 10 (Fake Light World) Shoutouts Epic Rap Battles of History (explicit) Yakuza: Like a Dragon Follow Us on Twitter | Join Our Discord to discuss the Bi-Weekly Seed Enjoy the show? Consider donating to GMP on Patreon or PayPal

Those who sell "the return of the market, with no risk" is a bald-faced lie. Indexed annuities by any name can't possibly deliver what they promise. That makes those most (if not all) of those who sell them liars. The story of Disney's mismanagement shows just how scary individual stocks can be. Plus, we discuss the best performing stock of 2022. Then we hear from listeners: Should his financial advisor be fired and replaced by a target-date fund? Should she buy an energy ETF to replace her energy mutual fund? What do we think of brokered CDs? What should be done with retirement assets as the market has done so badly? Learn more about your ad choices. Visit megaphone.fm/adchoices