Podcasts about LTC

When discussing worksite LTC with employers, two question come up all the time - 1) How much work do I as an employer or HR director have to put in? 2) I heard LTC insurance is expensive. How much more will the company be spending to add this benefit? Jason Dutra clearly addresses both of these questions this week. For more info, reachout to me diane@preparing4tomorrow.com Or research first at https://buddyins.com/ Jason's email is jason@buddyins.com When asking him or the team for more info, be sure to let them know I sent you so we can connect that way.

有失能失智照顧需要，請撥打1966長照專線，或洽長照專區網站(衛生福利部 廣告)https://1966.gov.tw/LTC/mp-207.html —— 以上為播客煮與 Firstory Podcast 廣告 —— 當外國客戶/老闆/朋友問台灣熱門新聞或景點時，你該怎麼簡單有力地回覆，同時加深雙方關係呢？ 為了幫助你強化英文社交力，新單元「三句話聊台灣 Taiwan in 3 Sentences」誕生了

有失能失智照顧需要，請撥打1966長照專線，或洽長照專區網站(衛生福利部 廣告)https://1966.gov.tw/LTC/mp-207.html —— 以上為播客煮與 Firstory Podcast 廣告 —— 前一陣子華航的系統更新後，大家終於可以線上申請「會籍匹配」了。不過網路上很快傳出「災情」：「為何我的華航金卡，效期被縮水成2年？」好多人私下問我這個問題，到底怎麼回事？？ 先別緊張。近期華航系統更新後，有時會籍會有顯示異常的狀，通常這種暫時狀況隔天多半就會校正。實際規則沒變啦，放心放心！只要申請「中信璀璨無限卡」，信用卡公司即致贈你金卡1年會籍，限定一位正卡人持有；而「中信華航鼎尊無限卡」則是致贈2年的金卡會籍，限定一位正卡人及一位附卡人享有福利。事實上，金卡會籍的福利不差，包含只要搭乘華航(不限你在何處購買的華航機票)，就可免費使用華航自營貴賓室，在外站沒有自營貴賓室也會給你同聯盟合作航司的貴賓室入場券，非常好用；除此之外，也有優先報到及登機跟提領行李服務，生日當月搭乘華航還有加贈哩程等等(限定花錢買的機票，哩程換的獎勵機票沒有)，總價值上看8,000元，只要一年有出國2趟以上，肯定划算！想低成本拿華夏金卡，信用卡仍是最快解法。請把握最後不到一個月的時機，速速入手囉！完整解說請參考本集節目解說。 ➤來寶可孟YouTube頻道上收聽節目：https://pokem.me/PokemYTPodcast ➤每月45元支持寶可孟創作更多優質影片｜https://pokem.me/JoinPokemYT -- ➤立即入手一張中信華航卡：https://lihi1.com/H4fQR ➤華航改版後的會籍跳1年2年討論：https://pokem.me/3N0nB4H ➤中華航空會員新制官網｜https://ath.tw/pokem ➤華夏哩程介(1)－什麼是「華夏哩程酬賓計劃」｜https://bit.ly/3DqnqIZ ➤華夏哩程介(2)－如何轉讓查詢開立華航酬賓票｜https://bit.ly/3NhhiWN ➤華夏哩程介(3)－想累積華航哩程該用哪一張卡 ｜https://bit.ly/46AzYth ➤華夏哩程介(4)－華航官網機器人客服介紹｜https://pokem.me/CIintro04 ➤華夏哩程介(5)－2025年會員新制解析｜https://pokem.me/3UVJt26 ➤華夏哩程介(6)－華夏金卡會員福利解析｜https://pokem.me/3JV7OTz ➤中信華航卡產品文字解析：https://bit.ly/3M2k5DK ➤三張中信華航卡等級比較表格：https://bit.ly/3FfF1U5 【飛行體驗】中華航空CI75台北飛羅馬商務艙開箱：https://pokem.me/3SChDH4 【飛行體驗】中華航空CI152台北飛關西商務艙開箱：https://pokem.me/CI152INTRO -- 加入會員，支持節目： https://pokemcard.firstory.io/join 留言告訴我你對這一集的想法： https://open.firstory.me/user/ckdpsqfmxifcf0862q6efk1qa/comments Powered by Firstory Hosting

Chcete-li podpořit Svobodný přístav, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 -------- Tato velice krátká epizoda Studia Svobodného přístavu je vlastně jen upoutávkou na jiné video, které bych Vám rád ukázal, ale bohužel by bylo v rozporu se smluvními podmínkami YouTube (i Odysee) jej sem uploadnout, jelikož v něm porušuji zákony. Další akce #ne_poslušnosti byla o svobodě projevu; jednak o jejím významu, ale také o rozšířeném (a školami stále šířeném) mýtu, že svobodu projevu máme, když ji zaručuje ústava. Praxe je však poněkud jiná; na druhou stranu asi ne (až tak) hrozná – posuďte sami z videa. Odkazy: https://www.urza.cz/nep https://stoky.urza.cz/texty/ne-poslusnosti-svoboda-projevu-3456 – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, David Burkett, creator of Litecoin's MimbleWimble Extension Block (MWEB) and developer of Grin++, discusses cryptocurrency privacy technologies with host Douglas Tuman. He shares his journey from early Bitcoin interest to becoming more coin-agnostic due to Bitcoin's scalability and privacy limitations. Burkett explains how MWEB provides basic privacy features, such as hidden transaction amounts and no address reuse, but clarifies that it doesn't offer the same unlinkability as Monero. He also discusses MWEB's extension block structure, adoption challenges, and the future of privacy coins, including potential atomic swaps between MWEB and Monero. TIMESTAMPS: (00:01:21) Show intro & welcoming guest David Burkett (00:02:11) David Burkett background: MimbleWimble, Grin++, Litecoin MWEB (00:06:10) MimbleWimble basics & cryptography accessibility (00:07:11) Motivation: scalable privacy & Bitcoin's transparency problem (00:09:41) Bitcoin pseudonymity, Silk Road era & privacy realities (00:11:30) From Bitcoin maximalism to coin-agnostic tech focus (00:13:08) Exciting privacy developments: full-chain membership proofs (00:16:56) Litecoin MWEB privacy model vs Monero (00:21:04) Network-level surveillance risks explained (00:23:06) Zcash vs Monero vs Litecoin privacy comparisons (00:25:23) Can Litecoin become more private in the future? (00:30:11) Litecoin MWEB usability & real-world marketplace potential (00:34:18) Extension blocks explained (core MWEB architecture) (00:37:48) Future possibilities: atomic swaps, second layers, assets (00:40:11) MWEB adoption stats & transaction volume reality (00:44:44) Importance of merchant & exchange MWEB support (00:47:17) Litecoin's value proposition vs Monero & Zcash (00:51:20) Quantum resistance concerns (or lack thereof) (00:53:08) Where to find David Burkett & closing remarks GUEST LINKS: https://x.com/davidburkett38 Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25Locals: https://locals.com/thepathforward

Chris's SummaryJim and I discuss secure income as we review a Yahoo Finance article for middle-class retirees. We use it to highlight longevity considerations and the differences between guaranteed income approaches and traditional safe withdrawal rate or Monte Carlo methods. We also cover where spending-segmented planning and hybrid long-term-care annuities might fit in. Jim's “Pithy” SummaryChris and I discuss an article titled “How Middle-Class Retirees Can Make Their Money Last 25 Years or Longer” to get into the parts of retirement planning that actually matter when you may be retired for far longer than the industry tends to model. The article leaves out the realities of aging, the changing ability to manage complex finances, and the specific expenses that follow you for life, which lets me lay out why the Minimum Dignity Floor needs to be treated differently from everything else rather than blended into one big withdrawal strategy that assumes stability where none exists. I talk through why I push back so hard on traditional safe withdrawal rate thinking, especially the notion that retirees should simply trim spending whenever markets dip. I know you’ve probably heard me say it before – that approach ignores the reality many retirees face by not addressing what people cannot reduce and overstating what they can. It also glosses over how income behaves differently depending on its source, why some streams ratchet upward while others swing unpredictably, and how risk pooling creates stability that a portfolio alone cannot. The gaps in the article also give room to dig into long-term care, including why certain tax-driven situations make hybrid LTC annuities funded by non-qualified contracts worth considering. And underlying all of this is the point that the goal is not to react to markets for decades on end—it is to build a structure that supports the life you want to live. That is where secure income becomes essential. Show Notes: Yahoo Finance Article The post The Importance of Secure Income for Retirement: EDU #2550 appeared first on The Retirement and IRA Show.

有失能失智照顧需要，請撥打1966長照專線，或洽長照專區網站(衛生福利部 廣告)https://1966.gov.tw/LTC/mp-207.html —— 以上為播客煮與 Firstory Podcast 廣告 —— 當人生的滋味混在一起時，你才知道「成長」原來這麼複雜。有人在酸裡學會放下，在甜裡找到勇氣，在苦裡堅強，在辣裡重新出發。

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me:

@Ltc_steven_mur on Twitter

@LTC Steven Murray on Telegram

@LTC Steven Murray on Truth SocialSubstack
https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25

Chcete-li podpořit Svobodný přístav, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 -------- Štěpán Drábek mi nabídl úžasná témata na druhý rozhovor; a já je s radostí přijal! Minule jsme řešili ekonomii, což mě hodně bavilo; a nejinak tomu bylo, když jsme zabrousili do otázek etiky. Dobře se mi se Štěpánem debatuje zejména pro jeho schopnost abstrakce. Rozebírali jsme rozptýlené informace ve společnosti a jejich souvislost se svobodou; dostali jsme se i ke zbožšťování vědy – a došli až k velice zajímavému závěru, že vědecká metoda je vlastně víra (jakkoliv to zní divně, v tom kontextu to mnedle dává smysl). – Štěpán Drábek; ekonom; analytik Institutu liberálních studií; libertarián; hledač pravdy – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, Douglas Tuman speaks with Paul Puey of Edge Wallet about privacy in cryptocurrency. Paul shares his journey from Dogecoin to Bitcoin, recognizing Bitcoin's privacy issues early on, which led to his support for Monero. He discusses the rise of "privacy season," attributing increased interest in privacy coins to dissatisfaction with Bitcoin's lack of privacy. Paul also explains Edge Wallet's integration of Monero in 2018 and contrasts Monero's mandatory privacy with Zcash's optional model. The conversation covers usability challenges with Monero, such as transaction finality, and touches on the need for better point-of-sale solutions to drive crypto adoption. Paul also highlights Edge Wallet's new integration of XANO for private Bitcoin transactions and discusses the potential impact of macroeconomic trends on the crypto market, especially privacy coins. TIMESTAMPS: (00:00:58) – Privacy Season is Here (00:04:00) – Using Monero in Daily Life (00:06:40) – Edge Wallet's Role in the Monero Community (00:08:00) – Early Edge Integration of Monero (00:13:45) – Bitcoin Privacy vs. Monero Privacy (00:16:20) – Zcash's Early Usability Issues (00:18:30) – Monero vs Zcash: Philosophy & UX (00:23:50) – Proof-of-Stake Debate (00:26:50) – Zuko Conversation & Community Dynamics (00:31:00) – FCMP: The Future of Monero Privacy (00:33:10) – Light Wallet Servers Get Major Privacy Boost (00:35:50) – Biggest Monero Hard Fork Ever (00:47:30) – Best Coins for Payments (01:10:25) – Privacy Season Outlook (01:14:05) – Monero as the Ultimate Hedge (01:16:10) – Final Wrap-Up GUEST LINKS: https://x.com/paullinator Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

Chcete-li podpořit Svobodný přístav, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 -------- Anarchokapitalismus Timovi zpočátku připadal směný, pak ho bral vážně, potom až moc vážně, aby mu pak v některých bodech přestal dávat smysl; požádal mě o debatu, ve které bychom mohli tyto aspekty probrat, aby měl snad (konečně) jasno. Mluvili jsme o obraně před vnitřním i vnějším nepřítelem, rekreačních atomovkách a dalších oblíbených anarchistikcých tématech (krom dětských bordelů); samozřejmě jsme nezapomněli ani na (nejen rakouskou) ekonomii, lidské jednání a interpersonální neporovnatelnost užitku. – Tim; libertarián; možná budoucí anarchista; youtuber; student politologie a filosofie; LGBT aktivista – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

Chcete-li podpořit Studio Svobodného přístavu, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 -------- Prosincový livestream navštíví Teri Paul, již považuji zajednu z principiálních zastánkyní svobody, kterých je bohužel jako šafránu; většina obhájců svobody ji chce jen tehdy, když se hodí, nebo alespoň když moc nestojí nebo není nepříjemná. Teri sama přinesla téma „Co je (a není) svoboda?“ – a já ho s radostí zvedám, neboť mi připadá dosti zásadní; především dialog o hranicích svobody, respektive co už svoboda není, protože s koncem svobody jednoho u začátku svobody druhého si bohužel nevystačíme. – Teri Paul; libertariánka; anarchokapitalistka; idealistka; autorka podcastu Kdo by stavěl silnice – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

Diane received an email this week from a long time listener who received a notice of a 301% rate increase request from his LTC insurance company. This episode discusses the process of requesting and seeking approval for rate increases. This process is heavily regulated from multiple angles. It's definitely not a random insurance company tactic to create more profit or to force policy holders to cancel their policies. I know it seems like it sometimes. Rate increases cause a lot of headache and extra work and payroll expense to the insurance companies as well. They don't want to have to increase rates. I was going to post the link to the court decision here, but the header on the document says I can't. If you want to find it yourself, look up "New Jersey court prevents LTC rate increase". You'll find it. The National Association of Insurance Commissioners (NAIC) consists of Commissioners from all 50 states. They have a Rate Stability Rule you can read about here If you really like reading about this stuff, the American Association of Actuaries Compliance Guide can be found here Let's find time to have a converstion and determne if and wht kind of and amount of benefits can help your family when that need shows up. Schedule here

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, Douglas Tuman chats with Joel Valenzuela, a blockchain advocate and business development professional for Dash, about the renewed interest in privacy coins, or what they call "privacy season." They dive into the roles of Monero and Zcash, noting Zcash's recent price jump and how it has reignited tribal debates. Joel argues that Zcash is now a stronger hedge for Monero than Bitcoin, given their differing approaches to privacy and governance. The conversation also touches on how holding multiple crypto assets shapes market psychology, contrasts Monero's strict "private by default" model with Zcash's more exchange-friendly design, and explores the shifting exchange landscape with platforms relisting privacy coins. They discuss upcoming technical upgrades, including Zcash's Tachyon and Monero's FCMP++, and highlight how Litecoin leads non-Bitcoin payment volume while Monero dominates privacy-by-default transactions. The episode wraps up with price predictions for Monero and Zcash, along with a focus on the importance of real-world adoption, such as using Monero for everyday purchases. TIMESTAMPS: (00:01:20) – Privacy season and community optimism (00:06:57) – Discussion on Monero “Street price” and centralized exchange impact (00:09:29) – Legal and regulatory climate for crypto: coin listings, Trump, pardons (00:15:43) – Zcash's institutional lobbying advantage vs. Monero's grassroots approach (00:25:03) – ETFs as potential co-optation vectors; Monero as “last crypto standing” (00:31:07) – Zcash roadmap, proof of work debate, shielded address adoption vs. transparent (00:45:15) – Exchange relistings (Dash, Korea/Japan); changing regulatory risk (00:53:30) – Hope for Monero relistings?; Sarai DEX, THORChain, and Maya Protocol (01:01:27) – Litecoin's MimbleWimble (MWEB); "Privacy Season" outlook (01:11:10) – Ranking private coins by real usage: Monero #1, then Zcash vs. Dash? (01:13:19) – Price speculation: Monero, Zcash, Dash, Firo, Ycash predictions (01:22:40) – Closing remarks GUEST LINKS: https://x.com/TheDesertLynx Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

« Avant la fin de l'année, Madagascar va lancer des poursuites judiciaires contre le président déchu Andry Rajoelina », a annoncé ce lundi 1er décembre sur RFI la nouvelle ministre de la Justice de Madagascar, Fanirisoa Ernaivo. Depuis son exfiltration par la France, le 12 octobre dernier, Andry Rajoelina vit sans doute à Dubaï, où il a placé une partie de sa fortune. Mais il est soupçonné par les nouvelles autorités malgaches de graves faits de corruption. En ligne d'Antananarivo, la ministre de la Justice fait le point, au micro de Christophe Boisbouvier, sur les procédures contre les dignitaires de l'ancien régime de Madagascar. RFI : Fanirisoa Ernaivo, le régime d'Andry Rajoelina est accusé de multiples actes de corruption. Est-ce que vous n'êtes pas submergée par le nombre de dossiers ? Fanirisoa Ernaivo : Effectivement, nous sommes submergées par un grand nombre de dossiers qui n'ont pas pu être instruits au moment où j'étais encore au pouvoir. À lire aussiMadagascar: la société civile critique la trajectoire prise par la transition L'une des causes de l'insurrection du mois d'octobre, c'est le manque d'eau et d'électricité à Antananarivo, est-ce que la société étatique Jirama, qui produit et distribue l'eau et l'électricité, a été l'objet de graves détournements ? Je ne pourrais vous dire oui ou non, parce qu'il y a des détournements et la mauvaise gouvernance dans la Jirama. Mais ça, je ne pourrais en parler dans l'affirmatif sans avoir un dossier devant moi. Et nous sommes en train de faire un audit des contrats de la Jirama au niveau du gouvernement. Et c'est là, après cet audit, après la révision de ces contrats, qu'on pourra parler de quel est vraiment le détournement de pouvoir dont on pourrait accuser quelques personnes et quelques entités dans cette histoire de défaillance de la Jirama. Est-ce que parmi les personnes soupçonnées d'être impliquées dans ces détournements à la Jirama, il y a le milliardaire en fuite, Mame Ravatomanga ? Pour l'instant, on est en train de commencer. Je n'ai même pas encore eu le dossier devant mes yeux. Et donc, sans vouloir tout de suite spoiler le contenu de cet audit, je vais dire qu'il y a des personnes dont, éventuellement, l'opérateur économique, Mame Ravatomanga, plusieurs sociétés, dont il a des branches, pourraient être mises en cause dans les résultats de cet audit. Des sociétés qu'il contrôle de façon indirecte ? Voilà. Dans la filière du litchi, il y avait une société écran qui s'appelait Litchi Trading Company, LTC, et par laquelle transitaient les fonds entre importateurs et exportateurs. Et du coup, tous les exportateurs malgaches viennent d'être approchés par les enquêteurs du Bianco, le bureau indépendant anticorruption. Est-ce à dire que ce sont tous les exportateurs malgaches de Litchi qui ont trempé dans de graves détournements d'argent ? On ne va pas parler de détournement, on va parler d'évasion fiscale. Concernant le dossier Litchi, du groupement des exportateurs de litchi, en effet, il y a eu la création de cette entité qui s'appelle GEL, Groupement des Exportateurs de Litchi. Normalement, ce groupement devait être institué pour pouvoir acheter à des prix avantageux pour les producteurs et pour revendre à l'exportation à des prix avantageux pour l'État et les exportateurs, en termes de retour de rapatriement de devises. Mais ces exportateurs-là, donc, ils vont collecter la production des produits, des producteurs locaux, et ils vont revendre toute la production à une société qui s'appelle LTC, qui est basée à Maurice, et donc qui devient le principal débouché de toute la production malgache. Alors que ce LTC, il s'avère que ça appartient à quelques têtes des membres du GEL. Et cela, donc, s'apparente à plafonner les devises issues de cette exportation au niveau de la vente effectuée entre le GEL et les exportateurs. Après, la LTC, la LitchiTrading Company, va revendre toute la production à d'autres distributeurs qui sont vraiment les vrais distributeurs de l'litchi dans le monde. Mais leur chiffre d'affaires va s'arrêter au niveau de la LTC, qui reste à Maurice. La fameuse société écran ? Voilà, la fameuse société écran. Et donc, du coup, l'État malgache va pouvoir rapatrier juste les devises qui ont été payées au niveau du GEL vers LTC. Et ça s'arrête là. Ça permet de cacher une grande partie des bénéfices ? Ça permet de soustraire une grande partie des bénéfices issus de cette exportation de litchis. Et comme la société est mauricienne, même s'il y a quelques membres du GEL qui sont derrière cette société, Madagascar pense qu'il y a quand même une lésion envers l'État malgache et le fisc malgache, parce que nous, nous ne savons pas donc quel est le vrai chiffre d'affaires du GEL. Parce que ça s'arrête à Maurice. Et combien d'opérateurs économiques sont visés par cette enquête ? Je ne suis pas encore en mesure de vous donner des noms ni des chiffres. Parce que l'enquête est en cours. Ce dossier de GEL LTC est actuellement en instruction parallèle entre Bianco Madagascar, PNF en France. Le parquet national financier et la FCC à Maurice  La commission d'enquête financière de l'île Maurice ? Voilà. Et pour cette enquête-là, le dossier a été déposé en 2021 par Transparency International.  Et il a été réouvert ici à Madagascar à notre arrivée au mois d'octobre dernier. D'accord. Donc l'enquête redémarre depuis le mois d'octobre ? On va dire qu'elle a débuté à Madagascar depuis fin octobre. Donc l'enquête redémarre depuis le mois d'octobre ? Depuis le changement de régime ? Voilà. Ça je voulais le préciser. Donc là actuellement, je n'ai pas encore tous les éléments d'information parce qu'il y a des enquêtes là-dessus. Mais ce qui est sûr, c'est que Mame Ravatomanga est parmi les personnes qui sont directement ou indirectement dans le LTC. Mais ce sera les résultats de l'enquête qui vont le confirmer s'il dirige directement ou indirectement cette société. LTC, Litchi Trading Company, la fameuse société écran ? Dans tous les cas, il dirige cette société. Cette société lui appartient et c'est là que je dis directement ou indirectement. Et il y a d'autres personnes également, je pense. Mais on le saura plus tard. Et donc l'infraction qui est constituée dans ce dossier est donc une évasion fiscale au détriment de l'État malgache. Et l'Ile Maurice est donc coopérative pour identifier le montant et la gravité de l'évasion fiscale. Autre dossier emblématique, Madame la Ministre, celui de 5 avions Boeing 777 qui ont été livrés clandestinement à une compagnie iranienne, Mahan Air. Malgré les sanctions américaines contre l'Iran, les certificats d'immatriculation de ces 5 avions ont été décernés à Madagascar. Alors où en est l'enquête ? Actuellement, nous sommes également sur ce dossier conjointement avec Maurice, le FBI et Madagascar. Nous avons repris les enquêtes au fond sur les principales personnes auteurs ou co-auteurs ou témoins. Et nous avons convoqué l'ancien ministre des Transports, pour être entendu au niveau du pôle anticorruption. Mais son avocat a répondu que le pôle anticorruption n'était pas compétent pour entendre l'ancien ministre. Sur lequel nous avons répondu que selon l'article 134 de la Constitution, pour les infractions de crimes ou délits qui sont extérieures à la fonction de ministre, même les ministres et les personnes assujetties à la haute cour de justice sont justiciables devant les tribunaux de droit commun, donc le pôle anticorruption, sans passer par la haute cour de justice. D'accord. Donc on attend s'il va s'exécuter ou pas selon cet article 134. Il y a plusieurs autres personnes qui ont été indiquées. Et qui ont été réentendues dans le cadre de cette enquête. Elles sont passées en enquête au fond, devant le pôle anticorruption, dans le cadre de cette enquête. Je n'ai pas le nombre de personnes qui sont citées dans le dossier Alors on retrouve aussi dans ce dossier apparemment le nom de Mame Ravatomanga, le milliardaire qui s'est enfui à l'île Maurice. Puisque selon nos confrères du site d'information scoop.mu, c'est ce milliardaire qui aurait usé de ses bonnes relations, avec les autorités malgaches et l'aviation civile malgache, pour faire homologuer ces 5 Boeings à destination de l'Iran. Et pour cela il aurait touché une commission de 5 millions d'euros ? Oui en effet c'est ressorti dans le dossier qu'il a perçu ce montant de 5 millions d'euros ou de dollars, pour permettre la délivrance de la première immatriculation de ces 5 avions. Immatriculation provisoire. D'accord. ll y a 1, 2, 3, je pense qu'il y a plusieurs personnes qui ont soutenu ce fait. Mais surtout il y a 2 personnes qui sont les témoins clés, témoins mais mis en cause aussi, dans cette remise de somme d'argent. Notamment les personnes qui lui ont remis la somme, et la personne qui a servi d'intermédiaire à cette remise. Je ne peux pas vous dire les noms pour protéger leur témoignage, si elles sont également mises en cause. Mais donc il y a 2 personnes. Et c'est 2 personnes qui devaient confirmer ce fait Alors vous parlez du FBI, le bureau d'investigation fédéral des Etats-Unis. Est-ce qu'il y a actuellement sur le sol de Madagascar des inspecteurs du FBI ? Actuellement non, mais on a demandé leur collaboration sur ce dossier. Je pense qu'ils sont encore sur ce dossier, mais aux Etats-Unis, mais pas encore à Madagascar. Alors quand le milliardaire Mame Ravatomanga a quitté Madagascar pour l'île Maurice, vous avez été mandatée, vous n'étiez pas encore ministre à l'époque, vous avez été mandatée par les nouvelles autorités malgaches pour aller à Port-Louis et pour obtenir l'extradition de monsieur Ravatomanga. Où en est la procédure ? Je vais rectifier. Ma mission sur Maurice, c'était de représenter le nouveau gouvernement, les nouveaux dirigeants de l'Etat malgache pour suivre le dossier et faire toutes les diligences concernant ce dossier. Et donc rapporter à Maurice toutes les infractions, toutes les actions commises sur Madagascar par Ravatomanga et consorts, faire un état de toutes les procédures qui existent à Madagascar contre Mame Ravatomanga et consorts, appuyer la plainte qui a été déposée par un Malgache à Maurice contre Mame Ravatomanga et consorts, et dans le cadre de tout cela, faire écho d'un mandat d'arrêt international décerné à Madagascar contre Mame Ravatomanga, et ce mandat d'arrêt doit être soldé par une extradition. Une extradition à la fin de toutes ces procédures, en sachant qu'une extradition ne peut être effectuée qu'à la fin d'une procédure. Quelle est la situation judiciaire de Mame Ravatomanga aujourd'hui à l'île Maurice ? Il est en état d'arrestation et comme son état de santé s'est dégradé depuis son arrivée à Maurice jusqu'à ce jour, il est en état d'arrestation mais il passe donc sa détention dans une clinique privée ou dans un hôpital. Son statut juridique est un état d'arrestation. Et que souhaitez-vous maintenant à son sujet ? Nous souhaitons poursuivre l'enquête sur les plusieurs dossiers dans lesquels il est impliqué à Madagascar et nous avons demandé des commissions rogatoires internationales à Maurice pour pouvoir faire ses auditions et les enquêtes sur sa personne, sur les personnes qui pourraient être impliquées avec lui et qui sont actuellement sur Maurice, notamment toute sa famille et ses collaborateurs et également faire des enquêtes financières sur ses sociétés à Maurice, conjointement avec la FCC. La commission d'enquête financière mauricienne. Et si au bout de cette enquête il y a procès, est-ce que vous souhaitez qu'il ait lieu à Maurice ou à Madagascar ? Je pense que pour l'instant il est plus judicieux qu'il reste à Maurice car à partir du moment où il sort de Maurice, on n'est plus sûr de rien. On n'est pas sûr qu'il va arriver à Madagascar, on n'est pas sûr qu'il va atterrir à Madagascar ou dans un autre pays. Sauf s'il y a extradition. L'extradition, je vous le dis, c'est après une condamnation. Nous pouvons le condamner ici à Madagascar et le faire condamner également à Maurice et ce ne serait qu'après cette condamnation qu'il va devoir rejoindre les prisons malgaches parce qu'en fait l'extradition c'est, on va dire, la réalisation d'un emprisonnement sur le territoire d'origine. C'est-à-dire ? C'est-à-dire malgache, là où s'est perpétrée l'infraction. Donc si je comprends bien, au bout de l'enquête actuelle, il pourrait y avoir un procès à Madagascar en l'absence de M. Ravatomanga. Et en cas de condamnation, il pourrait être ensuite extradé de Maurice à Madagascar, c'est ça ? Oui, et il pourrait également être jugé à Maurice par les autorités mauriciennes et peut-être soldé par une condamnation si les faits sont avérés. Il pourrait donc y avoir deux procès en parallèle ? Un à Maurice et un à Madagascar ? Exactement. Mais sur des faits différents alors ? Sur des faits différents. Au moment de l'insurrection du mois d'octobre, beaucoup d'autres dignitaires de l'ancien régime se sont enfuis, à commencer par le président, Andry Radjoelina, le Premier ministre, le président du Sénat. Alors du coup, beaucoup de Malgaches se demandent pourquoi vous n'avez pas lancé contre eux des mandats d'arrêt internationaux alors que vous l'avez fait contre M. Ravatomanga ? Si, on en a fait contre l'ancien maire de Tana. Il est impliqué dans un dossier où il y a plusieurs personnes qui sont placées sous mandat de dépôt et où lui-même est inculpé. Mais il a pu se soustraire à l'arrestation. On a lancé un mandat d'arrêt à Madagascar et internationaux contre lui au cas où il arriverait à sortir de Madagascar. Mais pour les autres, les mandats d'arrêt internationaux ne peuvent être faits que sur la base d'une procédure déjà ouverte. Or, aucune procédure n'a été ouverte, ni contre le président Andry Rajoelina, ni contre l'ancien Premier ministre, ni contre l'ancien président du Sénat ? Pas encore. Et justement, quelles sont les personnes contre qui vont être ouvertes des procédures ? Je ne dirais pas les noms parce qu'il y en a qui sont encore à Madagascar et qui risquent de s'enfuir si je vais dire les noms. Il y a des procédures qui ont déjà été ouvertes. Par exemple, pour Mame Ravatomanga, il y a eu ls Boeing 777. Il y a le dossier GEL-LTC. Avec ces deux procédures-là, qui étaient au PNF et au Bianco, il y a eu un mandat d'arrêt pour pouvoir permettre aux juridictions compétentes de procéder à une enquête envers Mame Ravatomanga. Il y a eu une procédure ouverte au niveau du Bianco et du pôle anticorruption contre Le Maire de Tana et Consort. Et comme il n'a pas pu se présenter à cette enquête, un mandat d'arrêt international a été décerné à son encontre également pour pouvoir le présenter devant la justice. On parle du maire d'Antananarivo ? On parle de l'ancien maire, oui. Pour Andry Rajoelina, en tant qu'ancien président, il faut qu'il soit présent. Il faut qu'il y ait une procédure ouverte et nous sommes en train de voir quelles sont les possibilités, ainsi que les autres membres du gouvernement. On est en train également de voir quelles sont les possibilités. Et une fois que ces possibilités de poursuites sont ouvertes, des convocations vont être envoyées. Convocations d'abord et puis mandat d'arrêt après. Et s'ils ne sont pas à Madagascar, donc des mandats d'arrêt internationaux. C'est comme ça en fait les procédures. On ne peut pas lancer tout de suite un mandat d'arrêt. Il faut d'abord qu'on ouvre l'enquête. Qu'on fasse les convocations. Et s'il est avéré que la personne n'est pas à Madagascar, on lance le mandat d'arrêt. Donc vous envisagez une procédure contre l'ancien président Andry Rajoelina ? Bien sûr. Pour toutes les personnes qui ont commis des infractions dans ce pays, il y aura des procédures qui seront ouvertes contre elles, y compris Andry Rajoelina. Et contre Andry Rajoelina, cette procédure pourrait-elle être ouverte d'ici la fin de l'année ? Bien sûr, avant la fin de l'année. Donc dans les semaines qui viennent ? Je ne pourrais pas vous dire dans combien de temps. Avant la fin de l'année. Et sur quelle base ? Sur quels faits précis ? Quand la procédure sera ouverte, vous aurez la communication là-dessus. Plus les avocats de la défense savent moins longtemps à l'avance, moins ils peuvent se défendre. Et préparer leurs alibis. Donc je ne peux pas vous dire sur quelle base on va les inculper avant d'entamer la procédure. C'est sûr qu'ils vont être poursuivis. Mais on ne peut pas vous dire là tout de suite sur quelle base. Sinon ils vont anticiper les preuves, ils vont préparer leur défense, leurs alibis, etc. Et ça rentre dans le cadre du secret de l'instruction. C'est sûr que l'ancien président Andry Rajoelina va être poursuivi ? Voilà. Donc ça c'est une certitude. Alors on sait que beaucoup d'avoirs...Et je pense que lui-même, il n'ignore pas qu'il a commis des infractions dans ce pays. À lire aussiMadagascar: Emmanuel Macron propose au nouveau dirigeant malgache «l'appui de la France» pour la transition

Chcete-li podpořit Studio Svobodného přístavu, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 -------- Ema vyrazila do brněnských ulic, kde se ptala lidí na tři otázky: Kdo to byl Tomáš Garrigue Masaryk? Myslíte, že to byl dobrý člověk a dobrý prezident? Pokud si myslíte, že byl, proč si to myslíte? Odpovědi nás vesměs nepřekvapily; přesto na nich lze pozorovat zajímavé jevy týkající se indoktrinace ve školách – učitelé vědí, co si máme „správně“ myslet, ale hlavně, jak se máme cítit. Vytváření pozitivních a negativních konotací k pojmům považuji za silnější zbraň než manipulaci fakty a dezinformace. – Ema; tvůrkyně Svobodného přístavu; anarchokapitalistka; libertariánka; studentka Ježka bez klece – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

Pokud se vám přednáška líbila a shledáváte ji hodnotnou, prosím, pošlete dobrovolný příspěvek v krypto či korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qqs0sutxykl5h97xa0fcu4qaptvkvq5ecm52qn9 LTC: ltc1qpcnumcpvx2a77p0shkxwawc555nepy25l0n090 Číslo účtu: 2201359764/2010; variabilní symbol: 5 -- V listopadové přednášce z cyklu Anarchokapitalismus se budeme zabývat tím, jak (ne)mluvit (nejen) s policajty (ale i s jinými státními orgány); toto téma jste si vyžádali v návaznosti na zářiovou akci #ne_poslušnosti, v důsledku které se může tato dovenost hodit – i nehledě na ni se však může tato dovenost více než hodit. Lidé často žijí v domnění, že kdo nic špantého nedělá, nemá se čeho bát – realita je však odlišná; v těžce totalitních režimech výrazně, ale i v naší demokracii to tak úplně neplatí – respektive může to platit většinou, ale nikdy nevíte, kdy se ocitnete ve špatnou chvíli na špatném místě. Člověk nemusí být zločinec ani nikomu ubližovat, aby na něj občas dopadla tíha státní moci; myslím, že se hodí být připraven. Rád bych také pohovořil o různých mediálních kauzách a zkratkách, na něž lidé rádi naskakují; a kolikrát mohou někomu zničit život. Prezentace: https://prednasky.urza.cz/ll/ – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

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November marks National Long‑Term Care Awareness Month — an ideal time for a proactive, no-fear conversation about long-term care (LTC) planning, the risks Americans face if they wait, and how to incorporate LTC strategies into a comprehensive financial plan. In this episode, Ryan and Alex will dig into the latest statistics on LTC need and cost, explore key misconceptions, and provide actionable steps individuals and families can take now to protect their future, preserve assets, and reduce the burden on loved ones. Whether you're in your 40s, 50s or planning for retirement, this episode will equip you with knowledge and questions to ask — because when it comes to long-term care, the best strategy is having one.

This episode opens with a warning to younger investors who take TikTok advice over historical perspective, especially around claiming Social Security early. Don and Tom walk through the guaranteed 8%+inflation benefit increase from delaying, why “take it at 62 and invest it” collapses under market reality, and how fear is driving a surge in early claims. They pivot to Bitcoin's sharp drop and why crypto speculation is driven by greed, not protection, before teasing Don's upcoming crypto short story. Listener questions cover bad long-term-care/annuity hybrids, overcomplicated “bucket” strategies, responsible portfolio risk, and finally a breakdown of two expensive high-volatility mutual funds—both easily beaten by low-cost index alternatives. 0:04 Message to younger investors about lacking market perspective 1:19 Why TikTok advice on claiming Social Security early is flawed 2:17 The real 8%+inflation annual increase from delaying benefits 2:27 The “take it at 62 and invest it” myth 3:47 Tom recounts Paul Merriman calling his allocation aggressive 4:49 Rising panic-driven Social Security filings 5:21 Don's 69 vs. 70 claiming decision 6:11 Survivor benefit logic many forget 7:42 Imagining a sudden 30% crash—except it's Bitcoin 8:29 Bitcoin's drop from 124K to mid-80s, plus MicroStrategy leverage 9:58 Crypto culture, crypto research, and Don's upcoming story 10:58 Crypto as a greed play, not protection 12:37 Emotions sabotage investing; the plan removes them 13:51 Why risk needs to match the plan, not ego 15:24 Crypto story teaser + Short Storyverses email plug 16:31 Listener question: NY Life Asset Flex LTC pitch 17:49 Why hybrid LTC/annuity products are weak and commission-heavy 19:47 “Bucket” confusion and the need for purpose 21:30 Caller Eugene: $250K “play money” 23:43 Reality check: could you watch $250K drop to $125K? 24:06 Why timing dips doesn't work 25:20 Better uses for excess cash in your 70s 27:08 Tom: time for full planning review at age 77 28:38 Fund analysis: Morgan Stanley Growth A 29:25 Fund analysis: Invesco Equity & Income A 30:30 Why moving to low-cost Vanguard indexes is the logical move Learn more about your ad choices. Visit megaphone.fm/adchoices

Chcete-li podpořit Studio Svobodného přístavu, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 ------ Filozof Filip Staněk mi poslal svou kritiku anarchokapitalismu a navrhl debatu o ní ve Studiu; jelikož mi to, co napsal, dávalo smysl (byť jsem nesouhlasil), rozhodl jsem se na to kývnout a pozvat ho. Připadá mi důležité neustále zpochybňovat vše, čemu věřím. Během debaty se ukázalo, že mám nejspíš problém pochopit řeč filozofů (což se ukazovalo už v některých dřívějších dílech); jeho kritika mi připadala poměrně plytká, ale možná jsem jen něco nepochopil. Prosím, napsali byste mi do komentářů, co jste pochopili Vy? – Filip Staněk; filozof; kritik anarchokapitalismu, potažmo celé západní civilizace – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk Douglas Tuman hosts a wide-ranging conversation with Derrick Broze about the recent protests in Mexico, how online misinformation distorted the events, and what life on the ground actually looks like. Derrick explains the context surrounding the assassination of Mayor Carlos Manzo, the peaceful protests that followed, and why viral clips falsely suggested a nationwide uprising. The episode also spotlights two upcoming freedom-focused gatherings—Derrick's People's Reset conference in Morelia and MoneroTopia in Mexico City. They also explore the growing momentum behind privacy coins. TIMESTAMPS: Coming soon! GUEST LINKS: https://x.com/dbrozelivefree Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

This week, Jason and Diane discuss UNUM's February 2026 ceasing of LTC group and employer sales. How should employers and employess react to this decision? What are the next decisions that must be made? What can employers now offer to newhires? Should current policyholders keep their policies? When you don't have answers, the best thing to do is talk with a long term care planning specialist like myself. I will help you determne what questions you should be asking as well as work through the answers with you. Each employee's family is unique and LTC needs are different for each family. If you have questions about UNUM or any other LTC plan ceasing sales, schedule some time to discuss this here

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/Lies of Omission - https://tubitv.com/movies/641822/lies-of-omission

Did you know 70% of adults age 65 will need long-term care in their lifetime. 20% will require LTC for more than 5 years. Roger Cantu with OneAmerica join us this week as our special guest to share some shocking statistics about Long-Term Care and offers some creative solutions.

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode, Douglas Tuman meets with John Gotts, host of the fast-rising "Digital Gold Talk" podcast. John's show has been drawing millions of weekly views and has earned a reputation for moving markets overnight—often sending the coins he evaluates soaring. Together, they dive into Monero and its mission as unstoppable digital cash and the technical features that set it apart. John also breaks down his Digital Gold Standard Benchmark and why it puts Monero's “fair value” over seven times its current price. As they talk, Monero's price climbs in real time, ultimately hitting the symbolic $420 mark live. John outlines his upcoming fund ecosystem aimed at supporting undervalued crypto networks, including major grant funding for Monero development, and he and Doug make plans for future collaborations. TIMESTAMPS: Coming soon! GUEST LINKS: https://x.com/DigitalGoldTalk Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

Chcete-li podpořit Studio Svobodného přístavu, můžete tak učinit v krypto i korunách! Pravidelná podpora a LN: https://opristavu.urza.cz/ BTC: bc1qwy8l3w0v826amd69h4awpt9hee6srxn4gk2cpg LTC: ltc1q2w2zezyj4anh3v428msf9kqvzelt76n62ys93h Číslo účtu: 2201359764/2010; variabilní symbol: 6 ------ Vláďa Krupa přeložil další knihu; tentokrát jde o Socialisticku tradici od Alexandra Graye – ten popisuje celou historii a vývoj socialistického myšlení od antiky přes křesťanství až po Marxe, což považuji za hodně zajímavé čtení. Ve videu jsme diskutovali některé věci, které v knize považujeme za zajímavé, ale zdaleka jsme samozřejmě nestihli postihnout všechno (a ani většinu); leč snažil jsem se k diskutovaným faktům přikládat různé interpretace a souvislosti. audiokniha: https://www.youtube.com/playlist?list=PL5nCBpN9tG22-LfBaphRvOIOXJ6SOx-zL – Vladimír Krupa; dlouholetý přispěvatel na Mises.cz; libertarián; spolupracovník Liberálního institutu; překladatel libertariánských knih – Urza (www.urza.cz); autor knihy Anarchokapitalismus; tvůrce Svobodného přístavu; spoluzakladatel a hlava Institutu Ludwiga von Misese; člen předsednictva Svobody učení; učitel ve svobodné škole Ježek bez klece

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

We need to recognize the contributions and sacrifices that family caregivers make to help those they love who can't provide for their own daily needs. The reason most people own LTC insurance is to help those caregivers to not feel alone and isolated. If you don't own LTC insurance and you want to protect your family, assets and choices, schedule time with me to plan here Below are many resources to help caregivers help their loved ones better. Administration for Community Living https://acl.gov/ Alzheimers Association https://www.alz.org/ American Association of Homes and Services for the Aging https://leadingage.org/ Aging Life Care Association https://www.aginglifecare.org/ National Council on Aging https://www.ncoa.org/ Senior Homes https://www.seniorhomes.com/ Assisted Living Foundation of America http://www.alfahousing.org/ National Center for Assisted living https://www.ahcancal.org/Assisted-Living/Pages/default.aspx Memory Care Facility Locator https://www.memorycarefacilities.net/ Today's Caregiver magazine https://caregiver.com/ National nursing home database https://www.medicare.gov/care-compare/?redirect=true&providerType=NursingHome There are others, but this is a good start.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

You're planning for your future, but have you considered the unexpected costs of long-term care? This episode cuts through the confusion, offering a straightforward look at long-term care benefits. Discover how to protect your finances. Learn strategies for ensuring your care is sustainable. We explore options beyond traditional insurance. Consequently, you'll gain peace of mind. Furthermore, hear why planning now is essential. We discuss how to avoid burdening your family. Understand the different types of plans available. Moreover, learn about the qualifications. It's about maintaining control of your destiny. Prepare for a financially sustainable future. This discussion will help you make informed decisions. It highlights the importance of a sustainable plan. Don't leave your future to chance. Ensure a sustainable financial legacy. Our Guest: Raymond Lavine Raymond Lavine is the founder of Lavine LTC Benefits, bringing extensive expertise to long-term care planning. He is interested in providing information to individuals and businesses on ‘why' caregiving benefits are valuable. Raymond has years of experience advising clients about the products and services of long-term care benefits and support services. Raymond's area of knowledge is caregiving benefits planning. He has personal experience with his father's long-term care needs at various times in his life, and his mother's use of LTC benefits has given him empathy in having a care plan to preserve both health and wealth. He is experienced as an Extended Care Benefits Advisor, and he believes that planning for the future is essential to family and estate planning, where caregiving is integral, which could happen now or in the future. +++++++++++++++++++++++++++ Related Episodes: Surprise! Your Employer Has Benefits to Help With Caregiving Money Talk: How to "Have the Talk" ++++++++++++++++++++++++++++++++++++++++ Sign Up for more Advice & Wisdom - email newsletter. ++++++++++++++++++++++++++++++++++++++++ Please help us keep our show going by supporting our sponsors. Thank you. ++++++++++++++++++++++++++++++++++++++++ Make Your Brain Span Match Your LifeSpan Relevate from NeuroReserve With Relevate nutritional supplement, you get science-backed nutrition to help protect your brain power today and for years to come. You deserve a brain span that lasts as long as your lifespan. ++++++++++++++++++++++++++++++++++++++++ Feeling overwhelmed? HelpTexts can be your pocket therapist. Going through a tough time? HelpTexts offers confidential support delivered straight to your phone via text message. Whether you're dealing with grief, caregiving stress, or just need a mental health boost, their expert-guided texts provide personalized tips and advice. Sign up for a year of support and get: Daily or twice-weekly texts tailored to your situation Actionable strategies to cope and move forward Support for those who care about you (optional) HelpTexts makes getting help easy and convenient. ++++++++++++++++++++++++++++++++++++++++ List of the Top 20 Alzheimer's Podcasts via FeedSpot! See where we rank. Join Fading Memories On Social Media! If you've enjoyed this episode, please share this podcast with other caregivers! You'll find us on social media at the following links. Instagram LinkedIn  Facebook Contact Jen at hello@fadingmemoriespodcast.com Or learn more at Our Website

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: In this episode of Monero Talk, Douglas Tuman chats with Vik Sharma, founder of Cake Wallet, about the wallet's milestone of 1 million downloads and 450,000 monthly active users. Vik shares how Cake Wallet, initially a Monero-only wallet, has expanded to support Bitcoin, Litecoin, and more—while staying true to its open-source and privacy-focused roots. The conversation covers Cake Wallet's relationship with the Monero community, privacy coins' growing attention (especially Zcash), and why Monero remains the preferred choice for actual use. The episode wraps up with thoughts on how Monero can stay ahead in the privacy space and the goal of creating a global peer-to-peer economy where people can "live off Monero." TIMESTAMPS: (01:00) – Doug welcomes Vik, founder of Cake Wallet. (02:30) – Cake Wallet reaches 1 million downloads and 450,000 active users per month. (05:40) – Open-source principles, focus on digital cash, and Vik's early involvement in the Monero community. (09:00) – Balancing Monero loyalty with multi-coin inclusion; navigating community feedback. (13:00) – Privacy coin landscape discussion — Monero vs. Zcash attention and adoption. (16:30) – Monero's advantages, real world use, and vendor integrations. (21:10) – Monero ecosystem growth — FCMPs, atomic swaps, Thorchain, new vendor adoption. (26:50) – Vision for the future: living fully on Monero through a global P2P marketplace. (28:10) – Closing remarks GUEST LINKS: https://x.com/vikrantnyc cakewallet.com Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

As we age, one of the biggest financial threats isn't the market, it's the cost of long-term care. In this episode, Nick and Jake break down the real facts behind long-term care insurance, hybrid policy options, and ways to protect what you've built. Are you prepared for the "what ifs" of retirement, whether you're in your 40s, 50s, or beyond? Tune in to find out. Here's what we discuss in this episode:

This week, I'm kind of on a soapbox. It seems that some people will keep asking about LTC insurance until someone tells them they don't need it. No one knows if we'll need help living at some point or not. We need to ask ourselves who the insurance is going to help. We're going to get care whether we plan or not. We need to ask oursleves who wil suffer the consequences of our failure to plan. It's the people helping us. We say we don't want to "burden our family", but by not discussing where we want to live, who we want helping us and how we will pay for care, by default, we are burdening them. Please review current and projected costs of care where you live here and please use at least a 4% annual increase in costs as we've seen that and more across the country over the last three decades. Then, schedule a phone or zoom meeting with me to design your family's plan here

In a world where aging brings complex challenges—from health shifts to family dynamics—professional guidance can transform overwhelm into empowerment. On November 5, 2025, Positive Aging host Steve Gurney led a lively roundtable with three seasoned Aging Life Care Managers®: Mindy Lee of ElderTree Care Management (Northern Virginia), Teresa Boring of Aging Well Eldercare (Maryland), and Jennifer T. Szakaly of Caregiving Corner (Charlotte, NC). These pros, representing larger practices with teams of 10-21, shared how they orchestrate seamless aging journeys. If you're caring for a loved one or planning your own later years, this discussion offers practical wisdom.Aging Life Care Management isn't new—it's thrived since the 1980s as a holistic field blending social work, gerontology, and problem-solving. "We're experts in aging well," Szakaly explained. They partner with older adults to craft personalized plans, pivoting as needs evolve, to sidestep crises and amplify joy. The Aging Life Care Association® boasts over 2,000 members nationwide; find one at aginglifecare.org by zip code—urban areas yield dozens, rural spots may need broader searches.Panelists drew vivid analogies: Mindy as the "orchestra conductor," harmonizing doctors, caregivers, families, and housing for safety and delight. Teresa likened it to "wedding planners for aging"—universal elements like care and finances, but tailored details, since no two strokes (or life stages) are identical. Jennifer emphasized their tagline: bridging today to aspirational tomorrows, whether independence or community living.All three entered via social work or gerontology, drawn to its impact. Mindy shifted from child welfare to nursing homes and home health, finding her passion in "what I couldn't envision doing anything else." Teresa's grad specialization in aging launched her dream role, starting Debbie's Angels program. Szakaly grew her solo gig into a 21-person team over 20 years, loving the "rewarding problem-solving."At the core? "What does living well look like for you?" Mindy urged. It's subjective—independence for some (like chat participant Irene), connections for others. They dive deep: initial visits uncover joys from lifelong hobbies, even in dementia, via art or music therapy. "We build plans around what brings joy," Mindy said, adapting if home isn't viable.Transitions to senior living demand nuance. Families often arrive mid-crisis—"five-alarm blaze," per Mindy—resistant to losing autonomy. Experts assess clinically (care levels), personally (preferences like quiet vs. vibrant), and financially (private pay, LTC insurance, Medicaid). Crucially, no kickbacks from communities ensure objectivity. "We tour with clients, spotting nuances like an introvert needing an 8-bed unit," Mindy noted. Teresa scouts under-the-radar gems with "fantastic care for decades." Jennifer stresses resident connections: "Pair Mom with a beanie baby collector buddy—game-changer."Home alternatives shine too. They vet co-housing, multigenerational setups, or modifications—handymen for grab bars, contractors for ramps—balancing sustainability against caregiver costs, which can soar regionally.Beyond housing, they advocate fiercely. Accompanying to doctors (scheduling, transport, notes) fills gaps in brief visits. "We've noticed unsteady gait—PT orders?" Mindy prompts. For Ed's mom with knee issues and walker reliance, home-visit docs vary by area, but managers facilitate everything: rides, in-car help, follow-ups.Therapies (OT, PT, speech) integrate seamlessly, in-home or community-based, per insurance. "We ensure what's needed, no matter the setting," Jennifer affirmed. Chatters like Leslie (therapist) and Melinda (community staff) praised this: managers enhance lifestyles, not compete.

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me:

@Ltc_steven_mur on Twitter

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When you're taking care of everyone else – who is taking care of you?   This week, Regina goes deep on women as caregivers and how the "sandwich generation" strain shows up financially, emotionally, and physically. Both for yourself and for loved ones, there needs to be a plan for long-term care (LTC) with clear-eyed costs, coverage myths (hello, Medicare), and policy options (traditional vs. hybrid; reimbursement vs. cash-indemnity). You'll leave with concrete next steps a new understanding of how to navigate this tricky aspect of life. Episode Highlights:   0:00 - Episode beginning 0:38 - Today's topic: caring for women caregivers 2:24 - The "sandwich generation" reality 3:07 - Burnout, time strain, mental health 4:52 - How it hits women; key stats & income impact 8:19 - What LTC means; ADLs & cognitive impairment 11:34 - Care options: adult day, home care, assisted living, hospice, nursing home 15:11 - What it costs (2023 figures) 20:18 - Paying for care: self-funding & Medicare limits 21:27 - Insurance types: traditional vs. hybrid (premiums, increases) 25:47 - Reimbursement vs. cash-indemnity—how payouts work 29:11 - When to buy, budgeting, choosing a carrier & action steps 33:32 - Outro & where to find Regina ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. This material was prepared by Brighthouse Financial. Brighthouse Financial is not affiliated with, nor endorsed by, LPL Financial, Private Advisor Group or Forge Wealth Management.

In this episode of The Broker Link, Cristal Bustillos from The Brokerage Inc. highlights the importance of Long-Term Care Awareness Month and why every advisor should be helping clients prepare for future care needs. Crystal discusses the rising costs of nursing homes and assisted living facilities and explains that Medicare and Medicaid offer limited coverage, leaving many families unprepared for the financial and emotional burden of long-term care. She shares practical solutions like long-term care insurance and life insurance policies with LTC riders, which can help clients maintain their financial security and personal dignity as they age. Crystal also encourages agents to continue their education by: Attending training sessions and webinars Using tools like the Cost of Care Calculator Completing long-term care certification courses Reviewing product guides and available resources As the year comes to a close, she reminds agents that December is the perfect time to tie up loose ends and plan ahead for a successful new year. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

This week on Next Steps 4 Seniors: Conversations on Aging, Wendy sits down with Brooke Acre - independent financial advisor, NFLPA-certified planner, and long-term care expert to talk about the one topic everyone avoids until it’s too late: long-term care planning. Brooke brings 20+ years of experience and a whole lot of heart as she breaks down: Why 70% of people will need care as they age Why Medicare doesn’t cover what most families assume it does How to avoid the financial and emotional crisis that blindsides families The #1 mistake people make with traditional LTC policies (and how to avoid it) A modern approach to LTC planning that protects both spouses, preserves assets, and even leaves a legacy Real-life stories that show exactly why planning early matters Wendy and Brooke also unpack the tough questions families fight about: Who makes the decisions? Where does the care happen? How do you pay for it? And what happens when siblings disagree? If you want peace of mind instead of panic mode, this episode is an eye-opener. Connect with Brooke:

Don and Tom unpack why even smart, financially literate people sometimes need a financial advisor — prompted by Morningstar's Christine Benz explaining why she hires one. They explore the value of second opinions, professional organization, tax guidance, spending permission, and succession planning. The conversation also draws lines around who doesn't need an advisor (DIY investors under 50 with good discipline) versus who does (retirees, disorganized investors, and anyone over 65 facing complexity). Later, they tackle listener questions about small-cap value ETFs — comparing AVUV, DFSV, and SLYV — and close with a retirement scenario review for a disciplined 77-year-old federal retiree. A lighthearted finish touches on long-term care insurance, empty nesting, and the Raiders' black hole stadium. 0:04 Reintroducing the need for financial help (but not that kind of help) 1:17 Christine Benz's surprising admission: she has a financial planner 2:27 The value of a “responsible second opinion” 3:25 Why Benz says peace of mind has real value 3:50 Reasons to hire an advisor: second opinions, tax guidance, rebalancing, perspective 4:54 When hourly financial advice makes sense 6:38 Organization and accountability as hidden benefits 8:08 The disinterested spouse problem 8:40 Why succession planning matters more than you think 9:32 “Permission to spend” — an underrated role of advisors 10:19 Who doesn't need an advisor: young savers and disciplined investors 11:27 When to get a second opinion even if you're DIY 12:18 Spotting bad advice and hidden annuities 13:03 Who does need an advisor: hodgepodge portfolios and over-50 investors 14:09 Complexity and the need for help beyond 65 14:47 The problem of small investors being preyed upon by salespeople 15:52 Listener question: adding small-cap value exposure 16:47 Comparing AVUV, DFSV, and SLYV performance and structure 19:00 Expense ratios and diversification differences 20:18 Don and Tom's ETF verdict 21:10 Retirement checkup: 77-year-old with pension and LTC coverage 22:06 Evaluating liquidity, income, and survivorship 23:48 The vanishing quality of long-term care policies 24:56 Tom's empty-nest plans and aching knee 25:43 Raiders jokes and the black-painted stadium Learn more about your ad choices. Visit megaphone.fm/adchoices

Long-term care (LTC) insurance is evolving fast. In this episode, Rick Stewart from Crump explains how product innovation is reshaping the industry around flexible, client-focused solutions.Life insurance combo products and annuities with LTC riders are now among the fastest-growing options. Add to that, joint policies for couples and new short-term care plans, and financial professionals have more opportunities to meet a wide range of budgets, ages, and care needs.Find out how to help your clients plan for care without overspending, missing underwriting windows, or putting their retirement at risk.Guest: Rick Stewart, CLTC, Vice President, Long-Term Care Sales, Crump

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

One Team One Fight.Rumble:https://rumble.com/c/ThePathForwardhttps://rumble.com/c/LTCStevenMurrayRSS:https://rss.com/podcasts/ltcstevenmurray/1T1F shirts -https://ltc-steven-murray.myspreadshop.com/How to find me: @Ltc_steven_mur on Twitter @LTC Steven Murray on Telegram @LTC Steven Murray on Truth SocialSubstack https://substack.com/@thepathforward25https://preppedselfreliance.substack.com/

Any donation is greatly appreciated! 47e6GvjL4in5Zy5vVHMb9PQtGXQAcFvWSCQn2fuwDYZoZRk3oFjefr51WBNDGG9EjF1YDavg7pwGDFSAVWC5K42CBcLLv5U OR DONATE HERE: https://www.monerotalk.live/donate TODAY'S SHOW: This episode of Monero Talk features the CypherStack team — CEO Diego Salazar and mathematicians Brandon “Surae” Goodell and Luke — for a deep dive into Monero's Full Chain Membership Proofs (FCMPs) and how they compare to Zcash. CypherStack is a privacy-focused research and development company behind Stack Wallet. Diego handles strategy while Brandon and Luke lead the mathematical research for Monero. They discussed their contributions to FCMPs, a major upgrade aimed at improving Monero's privacy and scalability. While critics from the Zcash community call FCMPs “unproven,” the team explained that it uses well-established mathematics, not untested theory. They also compared Monero's community-driven model with Zcash's corporate structure, noting strengths and trade-offs in both approaches. Despite praising Zcash's Halo 2 privacy tech, they argue Monero's privacy-by-default design gives it a real-world edge.On timelines, Diego said FCMPs are “three steps from the finish line” but still tackling technical challenges. The episode ends with a candid look at funding struggles in open-source development and a call for continued community support. TIMESTAMPS: 00:01:22 - Introductions of Diego, Brandon, and Luke and discussion about the first Monero conference in 2017 00:08:18 - Diego explains Full Chain Membership Proofs (FCMPs) 00:12:43 - Discussion about "moon math" and the comparison between Monero and Zcash's mathematical approaches 00:27:38 - Brandon begins telling the Zcash origin story and trusted setup ceremony 00:47:10 - Comparison of Monero and Zcash projects 01:08:22 - Diego discusses what Monero needs to do to maintain its lead 01:32:44 - Discussion of interesting privacy tech projects outside of Monero 01:41:10 - Conversation about funding for Monero development 01:49:30 - Closing remarks and discussion about Monero Topia conference GUEST LINKS: https://x.com/thatonesalazar Purchase Cafe & tip the farmers w/ XMR! https://gratuitas.org/ SPONSORS: Cakewallet.com, the first open-source Monero wallet for iOS. You can even exchange between XMR, BTC, LTC & more in the app! Monero.com by Cake Wallet - ONLY Monero wallet (https://monero.com/) StealthEX, an instant exchange. Go to (https://stealthex.io) to instantly exchange between Monero and 450 plus assets, w/o having to create an account or register & with no limits. WEBSITE: https://www.monerotopia.com CONTACT: monerotalk@protonmail.com ODYSEE: https://odysee.com/@MoneroTalk:8 TWITTER: https://twitter.com/monerotalk FACEBOOK: https://www.facebook.com/MoneroTalk HOST: https://twitter.com/douglastuman INSTAGRAM: https://www.instagram.com/monerotalk TELEGRAM: https://t.me/monerotopia MATRIX: https://matrix.to/#/%23monerotopia%3Amonero.social MASTODON: @Monerotalk@mastodon.social MONERO.TOWN: https://monero.town/u/monerotalkAny donation is greatly appreciated!Any donation is greatly appreciated!

In the final installment of our three-part series, host Todd Eury wraps up his live coverage from the 2025 FrameworkLTC Innovation Conference. Tune in for more engaging interviews with LTC pharmacy attendees, partner exhibitors, and SoftWriters team members as they reflect on the event's biggest moments and discuss what's ahead for the LTC pharmacy community.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how modern life insurance can be more than a death benefit—it can be an all-in-one tool for retirement planning strategies, tax advantages of life insurance, and long-term care insurance. With guest expert Jim Bowman, they explain how well-structured cash value policies—especially Indexed Universal Life—can provide tax free retirement income, flexible access to cash, and an efficient way to leave a legacy to family or charity.Listen in to learn about the practical differences between term and cash value policies, how to design funding to avoid MEC rules, why many retirees use unneeded RMDs to create tax-efficient benefits, and how hybrid life insurance can accelerate a portion of the death benefit for qualifying long-term care needs. If you want a clear path to secure your retirement, plan for retirement, and keep a simple retirement checklist for retiring comfortably, this conversation is for you.In this episode, find out:· How to think about life insurance benefits beyond debt protection—legacy, liquidity, and LTC.· The mechanics of life insurance cash value and using policy loans for tax free retirement income.· Why life insurance and taxes can work in your favor when policies are designed to minimize insurance cost and maximize accumulation.· When to consider life insurance for retirement (including for business owners) and how to fund over 5–7 years to avoid MECs.· Using unwanted RMDs to fund life insurance for seniors or a hybrid life insurance policy with long term care insurance riders.Tweetable Quotes:· “Life insurance can be the Swiss Army knife of retirement—growth, tax efficiency, legacy, and long-term care in one plan.” — Radon Stancil· “Design the policy to minimize insurance cost and maximize cash value—then let it do the heavy lifting for tax-free income.” — Murs TariqThroughout the episode, we cover: Retirement Planning, retirement planning strategies, planning retirement with Indexed Universal Life, coordinating with a broader financial plan, and using a straightforward retirement checklist to align cash flow, taxes, and legacy goals—so you can secure your retirement.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.