Podcasts about manuals

In this episode, The Annuity Man discussed:  Traditional laddering with MYGAs What is “reversing”?  Traditional laddering and reversing  Key Takeaways:  You do a traditional 3-year, 4-year. 5-year ladder if you are hoping that rates will go higher. It's a strategy you use when you want to have money as the rates are rising so that you can attach yourself and lock yourself in with those higher rates.  Reversing is the opposite of laddering; you lock in the MYGA for 10, 9, 7, or 10, 7, or 5 years because the rates are falling. This is also a great strategy to use with MYGAs since MYGAs are not callable, the rates are locked in.  If you are undecided whether you should ladder or reverse, you can put half your money in one and half in the other to get a more balanced outcome. What's important is that you should have some of your money be not callable.    "A lot of times when Powell raises interest rates, the annuity industry yawns. You can't time it; there's no sweet spot. There's no arbitrage moment." —  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!

Tariffs paused except for China who's taken advantage of the United States for far too long.Deron Patrick Scarabin starts this very first recording from Tembagapura while Marilyn Kay Adolph Scarabin, Louis Melvin "DD," Scarabin, Jr., Jason Louis Scarabin and Joshua Henry Scarabin join in describing their first few days in this most remote jungle town of Tembagapura, Indonesia.The family recently returned from a trip to Hawaii, where they enjoyed the beautiful scenery and spent time together. Despite the high cost of accommodation and car rental, they found the experience worthwhile. The journey to their new home in Tembagapura, Indonesia was challenging due to the rough mountain roads, but the breathtaking views made it worth it.Marilyn recounts coming in through Australia, noting the high cost of living and the exchange rate. They describe their new home and the groceries they bought, including familiar American brands. She also mentions a package they mailed with film and asks the recipient to keep it. She describes the food items available, including cornflakes, eggs, milk, bread, ketchup, and frozen chicken, bacon, and weenies. She reassures someone not to worry about the cost.The family has arrived in Indonesia and is settling into their new home. They are adjusting to the new environment, including the local customs and the change in water and food. The mother is trying to get involved with the local community and is excited about the opportunities for the children.A conversation about a mistake involving $0.72 is discussed. Marilyn expresses concern about the situation and asks for clarification. The speaker also mentions various individuals and their well-being, including Winky, Stevie, and Davey.The family arrived at their new location, describing the challenging roads and the Indonesian workers' training. They are adjusting to the time difference, with the children waking up early. The family is enjoying their new surroundings, with the children playing and exploring.The kids will be out of school on July 7th. Scarabin family is enjoying the native plants and flowers, and the friendly locals. They are adjusting to the local customs and culture, including the importance of keeping promises to the natives.Manuals for Sunday school are expected to arrive soon. DD discusses their work installing equipment to guide planes and their upcoming trip to the mine site. The weather has been cooler and drier than expected, with little rain since their arrival.The rain is not as bad as expected. The family is enjoying their time and the kids are sleeping. They had dinner with Gail and Bobby, who made chili, bread buns, and a noodle salad.The departure date is uncertain, with conflicting reports of July, August, or October. It is advised to confirm the date with Davis and start looking for necessary items. They plan to mail a package and write letters to everyone. Marilyn is keeping busy by baking cookies and spending time with the kids.

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In this episode, The Annuity Man discussed:  Protecting your beneficiary from dumb choices How Stan lovingly handcuffs his beneficiaries Handcuffing your loved ones is good for them   Key Takeaways:  Lovingly handcuffing your beneficiaries with annuity guarantees protects them from making dumb decisions with lump sums.  Stan has written in the trust that when he dies, there will be a lifetime income annuity purchase for each of his daughters, guaranteed to pay them for the rest of their life as long as they are breathing.  Your beneficiaries might not react positively to you giving them income instead of a lump sum, but handcuffing them contractually is the right thing to do and it will be good for them in the long run.    "Death is not a good strategy, because you can only use it once. But wouldn't it be good to know regardless of what happens, that they're taken care of? And that lifetime income stream is going to be in place?" —  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!

Adam and Sean review, discuss, and compare the 2014 and 2025 Monster Manuals! Opening Theme and Intro 0:00 Monster Manual 2014 4:35 Monster Manual 2025 29:11 Outro and Closing Theme 58:40 DON'T FORGET TO LIKE & SUBSCRIBE! Find Us On: Patreon at https://www.patreon.com/user?u=84724626 Website at https://www.itsamimic.com iTunes at https://itunes.apple.com/ca/podcast/its-a-mimic/id1450770037 Spotify at https://open.spotify.com/show/3Y19VxSxLKyfg0gY0yUeU1 Podbean at https://itsamimic.podbean.com/ YouTube at https://www.youtube.com/channel/UCzQmvEufzxPHWrFSZbB8uuw Social: Facebook at https://www.facebook.com/itsamimic/ Instagram at https://www.instagram.com/itsamimic/?hl=en Reddit at https://www.reddit.com/r/ItsaMimic/ Email at info@itsamimic.com Dungeon Master 1:  Adam Nason Dungeon Master 2:  Sean O'Coin Written and Directed by:  Adam Nason Editor:  Adam Nason Executive Producer:  Adam Nason Intro/Outro Music by:  Cory Wiebe Logo by:  Katie Skidmore at https://www.instagram.com/clementineartportraits/ This episode is meant to be used as an inspirational supplement for Dungeons & Dragons 5th Edition and tabletop roleplaying games in general.  It's A Mimic! does not own the rights to any Wizards of the Coasts products. Artwork included in this episode's video visualizations is published and/or owned by Wizards of the Coast.

Keywords: Jeep Talk Show, Round Table, Hot or Not Jeep mods, beadlocks vs all-terrains, lift vs lockers, soft top vs hard top, manual vs automatic, rock lights debate, Easter Jeep Safari 2025, Tyree Lights, YJL at EJS, Hot Springs Jeep event, Jeep community podcast Description: Join Tony and the Jeep Talk Show crew for a lively Round Table episode as we dive into a “Hot or Not” debate inspired by Chick Chat's Natalie and Janet!

In this episode, The Annuity Man discussed:  State guaranty funds  The true safety of the industry  Life insurance companies are more regulated  Assigning unused money to beneficiaries   Key Takeaways:  If you look at the state guaranty fund, each state has a specific rule in place to protect you and your money in case something happens to the carrier.  You should be buying the claims-paying ability of the life insurance company from the standpoint of safety. The true safety of the annuity industry is the industry policing itself.  Life insurance companies are not smarter than banks, they're just more regulated. The company is handcuffed from making financially stupid decisions.  You can structure an annuity so that 100% of any unused money goes to your family or beneficiaries.    "You can protect yourself and your hard-earned money in a myriad of ways. You can protect it by buying very good companies, by buying underneath the state guarantee fund within your state, and by structuring the policy so that 100% of any unused money goes to your family or beneficiaries." —  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:  Retirement planning is not a game Asking hard questions Diversification and limits Two key questions to ask   Key Takeaways:  Stan emphasizes that choosing an annuity is not about sales tactics or commissions, but about protecting your life's hard-earned savings and creating a secure retirement strategy. Always ask detailed questions about the annuity product, understand its contractual guarantees, and don't buy something you can't fully comprehend. If an advisor can't explain it clearly, walk away. Don't put more than 50-60% of your investable assets into annuities. Shop across multiple carriers for the best contractual guarantees and focus on your specific needs using the PILL framework (Principal protection, Income for life, Legacy, Long-term care). When considering annuities, focus solely on the contractual guarantees. Ask two key questions: "What do you want the money to contractually do?" and "When do you want those contractual guarantees to start?" This approach helps create a predictable, surprise-free retirement income strategy.   "Every single time when someone's pitching you something, I want you to think to yourself, ‘this is not a game. Let me ask hard questions. Let me understand everything before I make a final decision on this hard earned money.'” —  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:  Income Riders vs. Single Premium Immediate Annuities (SPIA) Comparison Process Strict rules  Probability of Improvement   Key Takeaways:  Stan explains that in some cases, you can potentially swap an income rider from a variable or indexed annuity for a SPIA with a higher guaranteed lifetime income stream. To determine if a transfer makes sense, you must: compare the income rider amount, use the accumulation value (not the income rider value), ensure the new annuity provides a higher contractual guarantee, verify the transfer is a non-taxable event The annuity industry has strict rules to prevent unnecessary "flipping" of annuities. Any transfer must demonstrate a clear financial benefit to the consumer, with a side-by-side comparison showing a higher contractual guarantee. Stan estimates that about 70% of the time, you won't beat the existing income rider by transferring to a SPIA. However, he recommends checking to ensure you have the highest possible contractual guarantee.   "The annuity industry does not want agents and advisors out there transferring an account to create a commission for the agent or advisor. Whatever you think about the annuity industry, they really do care about the consumer." —  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:  Annuities were never meant to be a market product  The complexity of index options  Misleading sales pitches to avoid listening to  Annuities solve for your specific goals    Key Takeaways:  Fixed indexed annuities were created in 1995 to compete with CD returns, not to provide true market participation. They are fixed annuities issued by life insurance companies, regulated at the state level, and not securities. There are over 750 index option choices and 50+ indices, with complex calculation methods that can change annually. Most index options are one-year long, and the insurance company can modify terms at each anniversary. Common sales pitches like "market upside with no downside" are misleading. Upfront bonuses are essentially marketing tricks, and claims about free long-term care are inaccurate. The most legitimate use is for guaranteed Income Riders. Indexed Annuities should be bought for principal protection, CD-like returns, or future income streams - not for growth. Always solve for specific financial goals and shop for the highest contractual guarantees across carriers.   "If you buy the dream, you're going to own the contractual reality, which means that if you're going to buy them, buy the contractual guarantee." —  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:  You can't time annuities  Annuities provide guarantees  The cost of waiting  Annuities are not bought for market growth    Key Takeaways:  You can't time the market when it comes to annuities - there is no "perfect" time to buy. Annuities can provide different contractual guarantees like principal protection, lifetime income, legacy, and long-term care coverage. There is a cost to waiting to purchase an annuity, as you may miss out on payments. Do not buy annuities for market growth, but rather for the contractual guarantees they provide.   "There is a cost of waiting. Does that cost pay off? If you wait, it can pay off for lifetime income because you're older, but you have to factor in the payments that you missed while you were waiting to get the higher payment." —  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! 

Robert went and got himself on a committee rewriting the club manual. That may or may not have been a good idea.   Show Sponsors: Rune Tactical Dominate Defense W-74 Guide Rods Youtube Channel: https://www.youtube.com/@paracastfirearmspodcast905 Telegram: https://t.me/PARAcastpod Patreon: patreon.com/user?u=16370931 Chat: @paracastchat (telegram)

E-237 of the Pool Nation Podcast - Welcome to the Feb 28 Pool Nation podcast—the go-to resource for pool service, repair, and industry insights. In this extensive episode, host Edgar DeJesus, along with co-hosts John JJ Flawless and Zach the Pool Boy (plus special guest Spider), dive deep into the world of Calcium Hypochlorite (Cal Hypo). Learn about its history, production, and why it's the powerhouse sanitizer in both residential and commercial pools. The conversation covers everything from the technical chemistry and safe handling of Cal Hypo to the exciting details of the upcoming $10K Pool Pro Challenge and hands-on bootcamps in Texas and California. Whether you're a seasoned pool professional or just getting started, this episode is packed with expert insights, actionable tips, and a healthy dose of industry banter to help you elevate your pool business and service game.   00:00:00 – Intro: Welcome to the Pool Nation podcast; Edgar introduces the show, the hosts, and sets the stage for a deep dive into pool industry topics. 00:01:00 – Host & Guest Introductions: Edgar, John, and Zach introduce themselves and welcome special guest Spider, highlighting the pool pro spirit. 00:02:00 – Sponsor Shoutouts: A thank you to visionary partners like SPPA, Blu ray Excel, AquaStar, Natural Chemistry, Raypak, Heritage Pool Supply, Hayward Pool Products, Poolside Tech, and Pool Marine. 00:03:00 – Live Banter & Weather Chat: Casual conversation about cold Texas weather, energy levels, and a preview of the day's discussion. 00:04:00 – Personal Updates & Humor: Light-hearted exchanges on personal energy, filters, and humorous banter among the hosts. 00:05:00 – Bootcamp Announcements: Edgar previews the Heritage Bootcamp in McKinney, Texas, detailing the hands-on training in pumps, filters, wiring, and business courses. 00:07:00 – Technical Deep Dive Begins: Introduction to the Pool Pro Challenge and qualifiers; discussion on scoring, judging, and the upcoming Las Vegas championship. 00:08:00 – Cash & Competition Talk: Funny moments about the $10K prize, cash props, and the promise of big bragging rights for winners. 00:09:00 – Championship & Qualifier Details: Explanation of the competition structure, qualification rounds in McKinney and Oxnard, and the automated leaderboard system. 00:10:00 – Manuals & Safety Protocols: Emphasis on reading manufacturer manuals to ensure proper dosing and safety during the challenges. 00:12:00 – Business & Training Courses: Overview of additional bootcamp events (including the Raypak bootcamp) focused on business efficiency and operational strategies. 00:13:00 – Community & Awards: Discussion about the Pool Nation Award, celebrating pool pros by the pool pros, and the importance of community recognition. 00:14:00 – Transition to Cal Hypo Deep Dive: Introduction to the educational segment on Calcium Hypochlorite (Cal Hypo) and its significance in pool sanitation. 00:17:00 – Meet the Solenis Team: Shay Parker and Robbie Walker introduce themselves and share insights on Solenis' role in water treatment and pool chemistry. 00:18:00 – Industry Legacy & Personal Stories: Personal anecdotes and the evolution of pool maintenance from the early days to modern methods. 00:19:00 – The Journey Begins: Discussion on career paths, regional pride, and the importance of pool chemistry expertise. 00:20:00 – Cal Hypo Fundamentals: Detailed explanation of what Cal Hypo is, from its raw materials to its manufacturing process and grading for industrial vs. residential use. 00:21:00 – Solenis Overview & Impact: In-depth look at Solenis, its global presence, and how its product portfolio supports various water treatment applications. 00:22:00 – Product Portfolio & Brands: Conversation on recognizable brands under Solenis, including Pool Life, Bacquacil, Serona, and equipment like feeders and granulated chlorine. 00:24:00 – Cal Hypo Production Process: How Cal Hypo is made—from the chlorinated lime paste to granulated pool chlorine and slow-dissolve tablets. 00:26:00 – Historical Insights: A look back at the origins of Cal Hypo in the 1700s and its evolution into a staple sanitizer in pools since the early 1900s. 00:27:00 – Early Uses & Medical Anecdotes: Discussion on Cal Hypo's early applications in disinfecting wounds and treating potable water during wartime. 00:28:00 – Transition into Pool Use: How Cal Hypo became popular for pool sanitation, replacing older methods and revolutionizing water treatment. 00:29:00 – Disaster & Industrial Applications: Broader applications of Cal Hypo in flood treatment, chicken processing, and industrial cleaning. 00:30:00 – Cal Hypo in Commercial Pools: Insights into why commercial pools favor Cal Hypo for its efficiency and smaller storage footprint. 00:31:00 – Efficiency & Storage Benefits: Explanation of Cal Hypo's high available chlorine concentration and its impact on shock treatments. 00:32:00 – Comparative Advantages: Comparing Cal Hypo with sodium hypochlorite in terms of chlorine content and storage efficiency. 00:33:00 – Rapid Reaction & Algae Control: How a small dosage of Cal Hypo provides a significant chlorine boost for breaking down chloramines and algae. 00:34:00 – Safety in Commercial Settings: Discussion on non-stabilized chlorine options for commercial pools and related safety considerations. 00:35:00 – Stabilizer Effects & Regulations: The impact of stabilizers on chlorine efficiency and varying state regulations regarding pool water treatment. 00:36:00 – Managing Calcium Levels: Addressing concerns about calcium buildup and the real-world effects of Cal Hypo dosing on water chemistry. 00:37:00 – How Cal Hypo Works: The chemistry behind Cal Hypo—its breakdown into hypochlorous acid and hypochlorite ion and its role as a sanitizer. 00:38:00 – Byproducts & Alternatives: Discussion on cyanuric acid buildup in other chlorine forms versus Cal Hypo's benefits. 00:39:00 – Sponsor Break #1: First round of sponsor messages from SPPA, Pool Invoice, Blu ray XL, and more. 00:40:00 – Sponsor Break #2: Additional sponsor highlights focusing on innovative pool products and tools. 00:41:00 – Back to Technical Talk: Transition back to discussing Cal Hypo specifics and listener Q&A. 00:43:00 – pH & Cal Hypo Characteristics: Insights into Cal Hypo's high pH (around 11–12) and its effects on pool water chemistry. 00:44:00 – Optimizing Water Chemistry: Best practices for maintaining ideal pH and alkalinity levels when using Cal Hypo. 00:45:00 – Key Benefits: Discussion on the unique sparkle and clarity Cal Hypo provides to pool water. 00:46:00 – Shock Treatment & Algae Control: How Cal Hypo serves as an effective shock treatment and aids in algae elimination. 00:47:00 – Borates & Chemical Interactions: The role of borates in enhancing Cal Hypo performance and suppressing unwanted growth. 00:48:00 – Addressing Misconceptions: Tackling common concerns about calcium buildup and clarifying real versus perceived impacts. 00:49:00 – Managing Hard Water: Strategies for pool pros dealing with high-calcium tap water and maintaining balanced LSI levels. 00:50:00 – Multiple Sanitizer Approaches: Emphasizing that no single method fits every pool—choosing the right tool for the job. 00:51:00 – Diverse Toolset Discussion: Comparing different sanitation methods (bleach, trichlor, dichlor, Cal Hypo) for varied pool scenarios. 00:52:00 – Cyanuric Acid & Dosing Considerations: The importance of managing byproducts and maintaining proper chemical balance. 00:53:00 – Filtration & Calcium Management: How proper backwashing minimizes calcium accumulation in the pool water. 00:54:00 – Real-World Impact: Clarifying that Cal Hypo's calcium contribution is gradual and manageable through filtration. 00:55:00 – Liner Safety Q&A: Addressing listener questions on whether Cal Hypo can bleach pool liners when used correctly. 00:56:00 – Proper Dosing Practices: The importance of broadcasting Cal Hypo rather than pre-dissolving it, to avoid hazardous reactions. 00:57:00 – Dosing Safety Tips: Explaining why pre-dissolving in a bucket can be dangerous and the benefits of proper application. 00:58:00 – Handling Cloudiness: Tips on resolving temporary cloudiness through proper circulation and pH adjustments. 00:59:00 – Ensuring Even Distribution: Best practices for achieving clear water after dosing with Cal Hypo. 01:00:00 – Temperature & Saturation Effects: How environmental factors affect the dissolution and clarity of Cal Hypo. 01:01:00 – Final Chemistry Insights: Recap of key factors like pH, alkalinity, and temperature for optimal pool water clarity. 01:02:00 – Distribution & Circulation: Emphasizing the need for proper mixing to avoid localized high concentrations. 01:03:00 – Storage & Handling Guidelines: Detailed safety and DOT regulations for storing and transporting Cal Hypo. 01:04:00 – Vehicle Safety & Segregation: Tips on safely segregating chemicals in service vehicles and preventing cross-contamination. 01:05:00 – DOT Regulations Reminder: Overview of weight limits and container size rules for hazardous materials transport. 01:06:00 – Container & Transport Limits: Additional safety guidelines for handling larger quantities of Cal Hypo. 01:07:00 – Sponsor Break #3: Final sponsor messages highlighting products and services for pool professionals. 01:08:00 – Sponsor Break #4: Continued sponsor highlights from industry partners, supporting pool business growth. 01:09:00 – Sponsor Break #5: More sponsor messages and promotions to keep you up-to-date with the latest tools. 01:10:00 – Technical Recap: Summarizing the key takeaways on Cal Hypo application, water chemistry, and safety. 01:11:00 – Final Banter & Money Talk: Humorous exchanges on cash props and the pool pro lifestyle. 01:12:00 – Final Thoughts: Wrap-up discussion on the importance of education, safety, and innovation in pool maintenance. 01:13:00 – Personal Reflections: Hosts share final reflections on the evolution of pool chemistry and industry legacy. 01:14:00 – Final Wrap-Up: Closing remarks, gratitude to guests, and a reminder to stay educated and safe on the job. 01:15:00 – Outro: Thank you for listening! Stay connected with Pool Nation for more expert pool repair tips and industry news. 01:16:00 – End of Podcast. Dive in, subscribe, and make waves in your pool service and repair career with Pool Nation!  

In aflevering 73 zijn we helemaal terug van (een beetje per ongeluk) weggeweest en starten we 2025 met een episode vol actuele en minder actuele branding topics. Michaël en Stef verdiepen zich in de meerwaarde van een blue ocean strategy, onderzoeken of het loont om een categorie voor uw eigen merk te creëren en leggen de link met de 22 onwrikbare wetten van de branding. Daarna hebben ze het over een ietwat controversieel opiniestuk van Stef, over personal brands als het gezicht van een merk en wat te doen als die in opspraak komen. Hoe is contaminatie zoals bij Elon Musk of Kanye West te vermijden en wat zijn de gouden regels als het verkeerd gaat? Tenslotte beantwoorden ze een vraag die geregeld blijft opduiken: heeft elk merk een brand manual nodig? En zo ja, wat moet daar dan eigenlijk in staan om consistentie te garanderen en een bruikbaar document te zijn? We geven een inkijk in hoe we dat doen voor onze eigen klanten.

**This episode ALSO contains more Pest than is recommended for listening consumption. Digger discretion is still advised. **This time he's pretending to be a big boss man. In typical Duggar fashion we get a horrible use of time and preparation so they're scrambling. The clan needs to go to city officials to see if they can re-zone a new car lot and we watch as Lego Hair has to step in. In the Dig, we get into one of the Men's Manuals and what they say about business (...business) decisions made as a married couple. I'm getting really mixed signals here, do I care what my wife has to say about a big decision like that, or not? As an IBLP man I'm probably so confused at the end of this. Enjoy what you hear? Feel like you have a Servant's Heart? Would you like to help support a snarking couple in Arizona? Get on the Gus Bus and head on over to buymeacoffee.com/diggingupthedug . If you would like to grab a jar and become one of the Pickle People, you get ad-free episodes, and even get them early. We post bonus episodes with Duggar content, personal topics, Mildred Mondays (gotta give the people what they want), recipes and other goodies. Join other Pickle People with access to Ad-free Episodes of the Main Pod, Bonus episodes, Recipes, Mildred Mondays and more. Join us on instagram at @digginguptheduggarspodand we do have a P.O. Box 5973, Glendale Arizona, 85312

In this episode, The Annuity Man discussed:  Gap Filling and Annuity Options: Social Security Timing and Considerations: Balancing Emotional and Financial Well-being: Flexibility and Lifetime Guarantees with Annuities:   Key Takeaways:  You need to find ways to cover your income needs before Social Security kicks in, typically from ages 62 to 70. Consider using strategies like Single Premium Immediate Annuities (SPIAs) or Multi-Year Guarantee Annuities (MYGAs) to provide contractual income during this gap. SPIAs pay a guaranteed income for a specific term, while MYGAs offer a fixed interest rate with the potential to preserve your principal. When deciding whether to take Social Security at age 65 or 70, consider your personal circumstances. Factor in the payments you'll miss while waiting for a higher payout and how long it will take to recoup those amounts. Think about living for the present and enjoying your money now rather than solely focusing on maximizing every penny. Reflect on the emotional and lifestyle aspects of your financial planning. Prioritize your personal happiness and well-being by doing things for yourself and living life to the fullest. Stan encourages turning on the lifetime income stream sooner rather than later, especially if you've spent a lifetime scrimping and saving. Use annuities to provide both lifetime guarantees and gap-filling strategies. Explore these options based on your specific needs and circumstances to bridge the gap between now and when Social Security kicks in. Consider both period certain Immediate Annuities for guaranteed income over a specific term and MYGAs for interest income while preserving your principal.   "If it sounds too good to be true, it is. Every single time. There are limitations to every strategy. You just have to weigh the good and the bad to see if it makes sense." —  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!   

Guests Paulee Bow Magical Synth Adventurer Richard Nicol founder and product designer Pittsburgh Modular Video Version on YouTube: https://www.youtube.com/watch?v=hTzo-RcTDdQ For preshow and Ad free version and much more: Patreon.com/sonicstate iZotope Cascadia -Discover intelligent delay without distraction. Reinforce your rhythms and create deep echoes, tight slapbacks, and creative textures – all while keeping instruments and vocals focused in the mix with easy, adaptive unmasking.       Komplete 15 bundles have everything you need to make the music that matters to you. With an unparalleled range of plugins designed to take your productions from start to finish, explore what's new in the latest version. 00:00:11 SHOW START 00:02:04 Coming Up 00:03:04 AD: SonicState Patreon 00:08:21 Bladerunner on UDO 00:19:39 AD: iZotope Cascadia 00:20:56 Mylar Melodies Synth Manuals and AI 00:37:26 AD: Kontakt 15 00:38:24 Component Synthesis With the TX816 00:50:49 Super Rare Keyboard From Sigal 00:57:19 Momo Müller's Universal Synth Editor Where to Watch/Listen - We now stream the live show to Youtube Live, Twitch,  Facebook Live as well as at  Sonicstate.com/live every Weds at 4pm UK time- please do join in. Preshow available on Twitch. You can also download the audio version from RSS FEED 

In this episode, The Annuity Man discussed:  Retirement planning essentials  Achieving financial security in retirement  Determining a lifestyle number    Key Takeaways:  Lifestyle income guarantees are crucial for retirement planning, allowing retirees to live their desired lifestyle without worrying about market fluctuations or economic uncertainties. Annuities are the only financial products that can provide contractually guaranteed lifetime income, which can be combined with other sources like Social Security and pensions to achieve financial security. It's important to determine a "lifestyle number" - the monthly income needed to live comfortably and enjoy retirement, beyond just covering basic expenses. A combination of financial products can be used to achieve this lifestyle income guarantee.   "At the end of the day, it's about your lifestyle. It's about living chapter two of your life, and checking off all those boxes and making sure that you maximize every single day and be happy about it every day." —  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:  Annuity companies are more regulated than banks  Features that protect the annuity industry  There is no run on annuities  How the banking crisis will affect the annuity industry    Key Takeaways:  Annuity companies are more regulated than banks, with features like surrender charges and market value adjustments that prevent runs on the company. Annuity companies are required to invest in investment-grade bonds, providing stability, unlike banks that had to sell bonds during the recent crisis. Lifetime income products offered by annuity companies, such as SPIAs and DIAs, are irrevocable and provide a guaranteed income stream for life, preventing panicked withdrawals. The National Association of Insurance Commissioners (NAIC) plays a crucial role in overseeing annuity companies and protecting consumers, and the recent banking crisis will likely lead to increased oversight of the annuity industry.   "The bottom line: the annuity industry has put in place features to not only protect you, the consumer, which is their ultimate goal, period, but to protect the industry as well." —  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:  4 contractual paths to future income  Factors that affect the suitability of a plan for your situation  Immediate Annuities  No free lunch    Key Takeaways:  There are 4 main contractual paths to achieve future income: 1) Buying an immediate annuity when income is needed, 2) Using a "My Go-To SPIA" Fixed-Rate Annuity, 3) Purchasing a deferred income annuity (DIA), and 4) Buying an Indexed Annuity with an Income Rider. Each of the 4 options has its own advantages and disadvantages, and the best choice depends on the individual's specific needs, goals, and preferences around factors like control, flexibility, and predictability of the income stream. Immediate annuities are straightforward "commodity" products that simply transfer risk, while DIAs provide a guaranteed future income stream that can be calculated in advance. Income riders on indexed annuities offer flexibility but come with tradeoffs. Understand the nuances of each option and don't fall for overly-optimistic sales pitches, as there is no "free lunch" when it comes to annuities.   "If it sounds too good to be true, it is every single time." —  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:  Should you complain about inflation?  The people actually impacted by inflation  Annuity products that provide solutions for inflation  Avoiding media influence regarding inflation    Key Takeaways:  Stop complaining about inflation. For those who have worked hard and saved, higher prices for groceries and gas are manageable. Focus on living your life to the fullest rather than worrying about inflation. Recognize the reality that 60% of Americans are living paycheck-to-paycheck and are severely impacted by inflation. While it's understandable to be concerned, those with significant savings should not let inflation dominate their financial decisions. Be wary of annuity products that claim to provide solutions for inflation. Annuity companies do not give anything away, and any potential inflation adjustments come with significantly reduced initial payments. Stop being influenced by constant media coverage of inflation. Inflation is a long-term issue that will always be present, but it should not dictate your daily life and enjoyment. Focus on your health, family, and living in the present.   "Buy the eggs, buy the milk, fill the cart with gas, do the best you can and go live your life to the fullest every single day. Buy nice stuff if you can afford it. Buy nice food if you can afford it. But don't complain about it while you're doing it." —  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:  Using annuities to create a pension  The best inflation annuity  Focusing on guarantees    Key Takeaways:  Annuities can be used to create a personal pension that provides a guaranteed lifetime income stream, similar to a traditional pension. The main annuity types discussed are Single Premium Immediate Annuities (SPIAs), Deferred Income Annuities (DIAs), Qualified Longevity Annuity Contracts (QLACs), and Income Riders. Social Security is considered the best inflation annuity and pension, and no commercial annuity can fully protect against inflation without significantly reducing the initial payment. Relying solely on Social Security may not be enough for many retirees. When evaluating annuities, the focus should be on the contractual guarantees, not hypotheticals or marketing claims. The "best" annuity is the one that provides the highest contractual guarantee tailored to the individual's specific needs and situation.   "There is no “best [annuity]”, regardless of what your agent or advisor might tell you. Best means highest contractual guarantee. Best means solving for your specific situation." —  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 hosts celebrate their 50th episode, reflecting on their journey and the challenges they face. They discuss the devastating impact of the recent fires in LA, sharing personal stories and insights about the destruction and loss experienced by many. The conversation shifts to the future of manual transmissions in vehicles, highlighting the dwindling options available in the market and the implications for car enthusiasts. In this conversation, the hosts delve into the evolving landscape of manual transmissions in the automotive industry, discussing the decline in availability and the implications for driving enthusiasts. They explore the shift towards automatic and CVT systems, the driving experience, and the challenges of navigating the used car market amidst concerns about reliability and performance. In this conversation, the hosts discuss various topics related to luxury goods, particularly focusing on the car market, Rolex watches, and bourbon. They explore personal preferences in car choices, the current trends in the luxury market, and the impact of COVID-19 on consumer behavior. The discussion also delves into the dynamics of the Rolex market, the speculative nature of luxury goods, and the changing landscape of bourbon production and pricing.

In this episode, The Annuity Man discussed:  Options that annuities provide Living off interest  When to annuitize  Laddering interest rate movements    Key Takeaways:  Annuities provide more options than just immediate lifetime income annuities. There are various types like Multi-Year Guarantee Annuities, Index Annuities, Variable Annuities, and Deferred Income Annuities that can be used for different income needs. With current interest rates, it may be possible to live off the interest from a portfolio of fixed-rate annuities and CDs without having to annuitize and lock in a lifetime income stream. This can provide more flexibility. Annuitization should be viewed as a last resort option if interest rates drop significantly and living off the interest is no longer sufficient. It's important to maintain a diversified approach. When using fixed-rate annuities and CDs for income, it's recommended to ladder the products to avoid having to time interest rate movements. This provides more stability and flexibility.   "Annuitization at this point in time, for a lot of you out there that have large sums of money, is a last resort. And we will go there if rates move down, but if they remain at these levels at the time of this tape and they go up from here, then you're going to be able to, potentially, hopefully, depending on what your income needs are, take the interest and never touch the principle." —  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!

When was the last time you felt frustrated, annoyed or downright angry at something your ex did? If it was recently, or if you've ever thought, it would be so nice if they'd just do things the way I do them, then this episode is for you.  In this episode, we'll explore the concept of 'manuals'—those pesky expectations we impose on others—and how releasing them can lead to dropping the excess suffering you're feeling.  You'll learn that ‘manuals' are the unwritten expectations we create about how others should behave to make us feel good. By recognizing these manuals, we learn to let go of unnecessary emotional burdens, improve our relationships, and embrace the dualities of life, particularly during challenging times like divorce. In this episode I'll cover:  • Exploring the 50-50 principle in life • Understanding the concept of manuals in relationships • How expectations create emotional resistance • Recognizing personal autonomy in interactions • Emphasizing self-responsibility for our feelings • Empowerment comes from owning what you can actually controlIf this podcast resonated with you in any way, please take a minute to follow and give me a rating.To schedule your complimentary consult with Karin click here.For more information and full show notes go to:https://www.karinnelsoncoaching.com/post/ep198

This question was sent by Jim, and he writes:I'm trying to think when, if ever, someone would want to use a 16' stop when playing on the manuals. It seems that practice would give a very thick and muddy sound to the part written for the manuals. Can you give an instance or example of when it would be appropriate to use a 16' stop for the manuals, or one of the manuals, please? I am just having trouble imagining what type of sound that would be. Thank you very much.  ~Jim This podcast is supported by Total Organist (https://www.organduo.lt/total-organist.html) - the most comprehensive organ training program online. It has hundreds of courses, coaching and practice materials for every area of organ playing, thousands of instructional videos and PDF's. You will NOT find more value anywhere else online... Total Organist helps you to master any piece, perfect your technique, develop your sight-reading skills, improvise or compose your own music and much much more… Sign up and begin your training today at organduo.lt (https://www.organduo.lt/) and click on Total Organist (https://www.organduo.lt/total-organist.html) . And of course, you will get the 1st month free too. You can cancel anytime. If you like our organ music, you can also support us on Buy Me a Coffee platform: Find out more at https://buymeacoffee.com/organduo

As a life coach, I am always diving into relationship conflicts people struggle with - that often begin with something like "He should just KNOW that I want quality time with him in the evenings" or "It really hurts when my husband doesn't think to arrange anything for my birthday". Many people feel frustrated or resentful in their marriage because their spouses aren't meeting their needs they way they expected they would. So they double down on trying to control or change them so they can try to feel better. Only problem is, marriage suddenly turns into a long list of obligations to try to make each other happy. It's not a fun time for anyone. I used to feel caught in that same struggle. Until I learned a life changing concept called "the manual" that I teach in this episode and why the best thing you can ever do for your relationship is to throw out your manual completely. Loving what is - that's what true happiness and freedom is. Want to stop arguing with your spouse? Schedule your FREE consult call with me here to learn how my personalised coaching can help you have the breakthroughs you need to create a relationship you love.  CLICK HERE to ORDER my book "Okay. Now What?" - How to Be Resilient When Life Gets Tough. Want to download a free chapter of my book to give it a read first? CLICK HERE. Looking for a motivational speaker for your event or workplace? Visit https:https://www.kategladdin.com/   Introduction to the Episode (00:00:00)   Kate Gladdin introduces the podcast episode and its theme of personal growth. New Year Reflections (00:00:19)   Kate shares her excitement for the new year and discusses her holiday experiences. Baking and Mindfulness (00:01:05)   Kate reflects on the joy of baking and being present during the holidays. The Oven Malfunction (00:03:01)   A malfunctioning oven leads to a metaphor about expectations in relationships. Manuals for Relationships (00:04:14)   Kate introduces the concept of having a "manual" for how we expect others to behave. Frustrations in Relationships (00:05:02)   Kate encourages listeners to think about specific individuals causing frustration. Personal Anecdote: Loss and Expectations (00:06:04)   Kate shares her experience with her sister's partner after her sister's passing. Shifting Perspectives on Happiness (00:07:16)   Kate discusses how happiness in relationships is based on our own expectations. Challenging Traditional Relationship Advice (00:08:30)   Kate critiques the notion that happiness depends on others meeting our needs. The Problem with Manuals (00:09:42)   Kate explains how manuals can lead to frustration in relationships. Expectations vs. Reality (00:10:47)   Kate emphasizes the disconnect between expectations and the reality of people's behavior. The Burden of Control (00:12:34)   Kate discusses the emotional burden of relying on others for happiness. The Illusion of Control (00:13:28)   Kate reflects on the futility of trying to control others' actions. The Impact of Manuals on Relationships (00:14:33)   Kate explains how manuals can create resentment and misunderstandings. Releasing Control (00:16:32)   Kate encourages listeners to let go of the need to control others. Taking Responsibility for Emotions (00:20:08)   Kate concludes by emphasizing personal responsibility for one's emotional well-being. Boundaries and Control (00:21:19)   Discussion on the importance of boundaries and controlling one's own reactions in relationships. Dropping Expectations (00:22:22)   Emphasizes that disappointment stems from our expectations, not others' actions. Open Communication (00:23:38)   Encourages expressing needs without depending on others for emotional fulfillment. The Power of Acceptance (00:24:42)   Realizing the importance of accepting people as they are, without imposing expectations. Expectations vs. Reality (00:25:47)   Highlights how personal manuals create unrealistic expectations that lead to disappointment. Letting Go of Manuals (00:26:39)   Discusses the exhaustion of expecting others to fulfill personal manuals for happiness. Seeking Understanding (00:27:41)   Encourages compassion and understanding in relationships to avoid resentment. Five Practical Steps (00:29:39)   Outlines steps to identify and let go of personal manuals in relationships. Examining Thoughts (00:30:48)   Encourages self-reflection on why we want certain behaviors from partners. Taking Responsibility (00:31:53)   Stresses that our feelings are controlled by our thoughts, not others' actions. Open Perspective (00:32:52)   Advocates for discussing feelings openly and understanding each other's perspectives. Letting Them Be (00:34:40)   Reminds listeners to allow partners to be themselves without emotional dependency. Transforming Relationships (00:36:50)   Describes how dropping manuals can lead to healthier, more fulfilling relationships. Empowerment Through Choice (00:38:53)   Encourages taking responsibility for personal happiness and letting go of expectations.  Final Thoughts (00:40:06)   Invites listeners to practice letting go of one manual this week for personal growth.

In this episode, The Annuity Man discussed:  The Annuity Pill Questions to ask when considering an annuity  Annuities are contracts    Key Takeaways:  Remember the acronym PILL, as the four primary things that annuities solve for. P stands for principal protection, I stands for income for life, the first L stands for legacy, and the other L stands for long-term care.  When considering an annuity, ask yourself these two important questions: “What do you want the money to contractually do?” and “when do you want those contractual guarantees to start?” Annuities are great if you buy them only for their contractual guarantees. You own an annuity for what it will do, not what it might do so buy wisely.    "Annuities solve for four primary things: principal protection, income for life, legacy, and long-term care and if you don't need to solve for these items, then you do not need an annuity of any type. " —  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:  Buy only what you understand Don't fall for bad sales tactics  Seeking the facts    Key Takeaways:  Annuities should be simple and easily understandable; if not, avoid purchasing them. Don't fall for misleading sales tactics, bonuses, or unrealistic projections from agents motivated by personal gain. There are extensive options for index annuities, but few experts; exercise caution, do not trust sales pitches, and seek factual information from credible sources.   "If you can't explain it to a 9-year-old, you shouldn't buy it." —  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:  Annuities are DIY products  Focusing on contractual guarantees  What annuities solve for    Key Takeaways:  Annuities are do-it-yourself products that allow self-management without advisor fees. Annuities provide contractual guarantees, and shopping for carriers with the best rates is important. Annuities are for do-it-yourselfers focused on contractual guarantees, not hypotheticals, sales pitches, or hype. Annuities can solve principal protection, income for life, legacy, and long-term care needs for pro-consumer buyers.   "For all of you do-it-yourselfers out there that's been managing your own money… annuities are right up your alley because they are do-it-yourself products." —  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:  How lifetime income is priced  Don't time annuity purchases  Laddering annuities    Key Takeaways:  Lifetime income annuities are primarily based on your life expectancy. Interest rates play a secondary role in the pricing.  Higher interest rates will positively impact annuity pricing. Don't try to time the market for annuity purchases; base decisions on contractual guarantees. Consider laddering annuity purchases to take advantage of future pricing changes.   "Remember, lifetime income annuities are primarily based on your life expectancy or life expectancies if joint at the time you take the payment. Interest rates play a secondary pricing role." —  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:  What a MYGA and SPIA is  MYGA to SPIA Strategy  Flexibility and Control    Key Takeaways:  MYGA is the annuity industry's version of a CD, offering locked-in, non-callable interest rates annually. SPIA is the original lifetime income annuity, with a long history dating back to Roman times and used for pension payments. Use a MYGA to lock in a guaranteed interest rate for a specific duration, such as five years then take out interest or up to 10% penalty-free, depending on the specific MYGA. At the end of the duration, the Myga can be transferred to a SPIA, with a non-taxable event transfer. The MYGA to SPIA strategy takes advantage of the control and flexibility that these two products offer. MYGAs and SPIAs also do not have any annual fees, which makes them very cost-effective.    "You can have your cake and eat it too - just a few bites. You can protect the principal. You can peel off interest, if needed, during that duration of the MYGA, and at the end of that term, you have full control of the asset." —  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:  What annuities are for  Establishing an income floor  How to actually adjust for inflating needs  Securing an income stream through annuities    Key Takeaways:  Annuities provide contractual guarantees for principal protection, lifetime income, legacy, and long-term care (PILL acronym), offering advantages over market investments focused solely on growth. Prioritize establishing an income floor or guaranteed income stream, particularly through fixed annuities, to cover essential expenses in retirement. Reject cost-of-living adjustment annuities and instead incrementally purchase additional annuities to address inflating needs in retirement. Income flooring through annuities is especially important for securing a spouse's income stream after the death of a partner, providing a contractual, guaranteed income stream that is more reliable than the 4% withdrawal rule.   "Annuities for lifetime income is the only product category that's going to pay for as long as you're breathing. You're transferring the risk to the annuity for the life insurance company that issues the annuity." —  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:  An overview of Deferred Income Annuities Finding the best fit  Income Riders attached to Indexed Annuities   Key Takeaways:  DIAs are essentially single premium immediate annuities deferred past one year. It has no moving parts, no annual fees, and no market attachment, making it a straight transfer of risk for lifetime income. DIAs can be used in Roth and traditional IRAs, and are taxed based on the account type. DIAs are efficient, no-cost, no-fee transfer-risk pension products that can be deferred for up to 40 years. Compare DIAs and income riders on Fixed and Indexed Annuities to find the best fit based on contractual guarantees and flexibility. Income Riders attached to Indexed Annuities provide future income needs. Income Riders are separate ledgers that cannot be cashed in or transferred but can be used to determine a lifetime income stream. They offer flexibility, such as a 10% free withdrawal annually, but this can disrupt the income rider guarantee. Compare both DIAs and income riders using the four filters: contractual guarantees, carrier ratings, flexibility, and fees.    "Don't fall for sales pitches. These are contractually guaranteed commodity products. There's not one that's better than the other, and if you use those four filters, you're going to make a good decision." —  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! 

Ronnie Kessner discusses growing up in Jersey, was about 4 years old when he tried to do tricks on his skateboard, calling his mom after Shane asked him to be a part of April Skateboards, ankle surgery, getting on New Balance, turning pro for April Skateboards and much more! Timestamps 00:00:00 Ronnie Kessner 00:08:10 Calling his mom after Shane asked him to be a part of April Skateboards 00:13:36 Did Shane try to get him on Nike? 00:23:23 Growing up in Jersey 00:29:36 Was about 4 or 5 years old when he tried to do tricks on his skateboard 00:30:50 Sponsor me videos 00:34:06 Donny Barley 00:43:09 Rolled ankles - ankle surgery 00:47:43 New Balance Intervals 00:52:46 Turning pro 01:03:45 Yuto 01:10:52 Manuals drive him insane - big flip BS TS big spin out 01:17:01 Jake Darwin epic photo 01:21:38 Intervals 2? - what is he working on? 01:33:05 His board setup 01:38:06 Cannot nollie heel 01:40:53 Shane's setup Learn more about your ad choices. Visit megaphone.fm/adchoices

DOGEN ON ZAZENUpon returning to Japan from China in 1227, at the age of 27, Master Dogen composed the first draft of Fukanzazengi, the tract in which he outlines the principles of seated meditation, or zazen, that he had learned under the tutelage of Master Rujing. In one of the English translations, about two-thirds of the way through the text, he asks a question of the reader: Now that you know the most important thing in Buddhism, how can you be satisfied with the transient world? Our bodies are like dew on the grass and our lives like a flash of lightning, vanishing in a moment. At this point in the piece, he has said many things about the physical method of meditation, interwoven with suggestions of the philosophy, attitude adjustments and correctives to conventional wisdom that accompany the practice. So what he means to indicate as the most important thing is subject to speculation. This may reflect a translator's choice anomaly, a known issue in the art of interpreting ancient teachings. To home in on this most important thing more closely, let's look at a brief, pointed poem, “Zazenshin,” that Dogen paraphrased from a Chinese version. It means something like “Acupuncture Needle” or “Lancet” – a very sharp instrument – for or about zazen: Zazen-shin - Shohaku Okumura, trans. The essential-function of each buddha and the functioning-essence of each ancestor.
Being actualized within not-thinking.Being manifested within non-interacting.Being actualized within not-thinking, the actualization is by nature intimate.Being manifested within non-interacting, the manifestation is itself verification.The actualization that is by nature intimate never has defilement.
The manifestation that is by nature verification never has distinction between Absolute and Relative.The intimacy without defilement is dropping off without relying on anything.The verification beyond distinction between Absolute and Relative is making effort without aiming at it.The water is clear to the earth; a fish is swimming like a fish.
The sky is vast, extending to the heavens; a bird is flying like a bird. So from this we may take it that the most important thing has something to do with not thinking and non-interacting, and not distinguishing between the absolute and relative. It is pointing at something intimate, undefiled by conventional wisdom, and that has nothing to do with our reliance on common understanding, and goal-oriented efforts. To which we can only respond, “Hmmm. Thank you Dogen, for clearing that up.” MATSUOKA ON DOGENClearly, this message is about something beyond words, that language can only point at, if it is beyond thinking itself. Let's explore some more contemporary quotes from Matsuoka-roshi to see if we can zoom in on the meaning of these passages. O-Sensei simplified Dogen Zenji's instructions for his American students, condensing them into three discrete areas: posture, breath, and attention. The following are three expressions he would use frequently, addressing questions about zazen: Keep aiming at the perfect posture never imagining that you've achieved it You have to work your way through every bone in your body When your posture is approaching the stage of perfection, it will feel as if you are shoving your head against the ceiling The first, about aiming without achieving, makes Dogen's “making effort without aiming at it” a bit more concrete by narrowly defining “it” as the upright posture. This is in keeping with the Zen premise that the zazen posture is the full expression of enlightenment, not merely a means to the end of enlightenment. It also reminds us that there can be no separation of body and mind in Zen, nor, indeed, in reality. And that the natural process of Zen is open-ended, based on aspiration as opposed to expectation. The second indicates that this is going to be a steady, slow process on a visceral level, sitting “with muscle and bone,” as my senior dharma brother in Chicago, Kongo-roshi, titled one of his talks. There are a lot of bones in your body. And the bones, of course, are not separate from the skin, flesh, and marrow, the connective tissue, as Master Bodhidharma taught. “Working your way through” recalls the famous dictum from the poet Robert Frost, paraphrasing, “the only way out is through.” The third seems to contradict the first, when Sensei describes what he frequently referred to as the “sitting-mountain feeling” that eventually comes from zazen. We are to aim at it without concluding that we've achieved it, because “Zen goes deeper,” as he would often say. No matter how seemingly complete and transcendent our immediate experience, it is not the end of the process, an attitude adjustment first articulated by Buddha himself in the “Fifty False States” section of the Surangama Sutra. The main admonition is that, no matter what happens in your meditation, not to imagine that you are now completely enlightened. Even Buddha returned to meditation for the fifty years of his life following his profound insight. But this “shoving your head against the ceiling” sensation is something that I can personally attest to from my modest experience on the cushion. I suspect that when we pull back on the chin, stretching the back of our neck with strength, a specific detail of the posture emphasized by Matsuoka-roshi, it has the effect of shoving our skull against the scalp, which would then feel like the resistance of a solid, external surface like a ceiling. The entire body is a tension-compression structure, much like a camping tent, where the bones of the skeleton are the compression members under stress from the surrounding membrane of musculature, tendons and ligaments, like the canvas and ropes of the tent. HAKUIN'S GAS PEDALThe other end of the “tentpole” is the base of the spine, connecting to the coccyx, or tailbone. Hakuin Zenji, a famous Rinzai priest whose life span bridged the 17th and 18th centuries, from 1686 to1769, recommended that we push forward and down on the lower spine until we feel a bit of pain there. That sensation derives from stretching the hard tissue of the discs between the large lower vertebrae. Even more today than in his time, our posture tends to be c-shaped, sometimes referred to as a “cashew,” when we sit in the driver's seat of our vehicles on the expressway, or the chair at our desk. The natural position of the spine is an “S-shape” curve, bending the lower back in the opposite direction, like a cobra rising from the floor, dancing to the tune of the snake-charmer's flute. I call this Hakuin's gas pedal. Like the accelerator of your car or truck, if you keep your foot on it, pressing forward and down, the vehicle moves. If you let up on it, it slows to a stop. On the other hand, if you go pedal to the metal, it speeds out of control. The Middle Way again, in all its manifestations. So the most important thing, as regards the posture, at least, may be keeping these two pressure points in play while sitting. If you do so, you can't go far wrong in terms of sitting upright. Breathing and attention also come into the picture, but that may be a subject for another UnMind. Let me close this segment with a couple of aphorisms that have come to me in my practice. ME ON ZAZEN I do not claim to have the depth of insight and understanding of our ancestors, and recognize that context, while not determinative of Zen experience, certainly counts. What Buddha, Bodhidharma, the great ancestors in China, and Dogen himself managed to accomplish under relatively primitive conditions in no way compares to what we may expect to realize under relatively cushy but geometrically more complex circumstances. But as they did in their times we must do in ours — namely use what we know to inform our efforts in exploring what we do not know, and cannot know, in any ordinary sense. So, here, I want to introduce two terms that may have no counterpart in their language. PROPRIOCEPTION MEETS VERTIGOProprioception is a term from modern physiology, defined as: Perception or awareness of the position and movement of the body Vertigo is defined as: A sensation of whirling and loss of balance, associated particularly with looking down from a great height, or caused by disease affecting the inner ear or the vestibular nerve; giddiness. In terms of our experience in zazen, then, proprioception would be akin to samadhi, or at least its early stages, when, as Matsuoka-roshi said: When posture, breath, and attention all come together in a unified way, that is the real zazen. Now, if there is “real” zazen, it implies that there must be “unreal” or “fake” zazen, or the false impression that we are doing zazen when we are not, really. Samadhi is a jargon term that I hesitate to use, as it implies that I know what it means while suggesting that you probably do not. Which sets up the false dichotomy of “you and I,” “us and them,” the in-group cognoscenti versus the great unwashed. Sensei also pointed out, at the Zen Buddhist Temple of Chicago, paraphrasing, “When you become dizzy, concentrate on your knees.” And “When you get nauseous, concentrate on your forehead.” Or it may have been the other way around. The main point is that you probably will get dizzy, and you probably will get nauseous, in zazen. This brings up another coinage, for which I claim authorship: Let not the spiritual be the enemy of the practical I detect a vestigial strain of puritanism in the American culture that can infect our understanding and presentation of Zen, as a kind of belief system, a set of doctrines that one must subscribe to, in order to penetrate the inner sanctum of Zen's purported spiritual secrets. This is anathema to the real Zen, as I understand it. All of Master Dogen's instructions in Fukanzazengi are physical, not mental, as Carl Bielefeldt points out in his “Dogen's Manuals of Zen Meditation,” a wonderful, incisive line-by-line analysis of Dogen's two extant revisions compared to the Chinese original. So let's stay focused on the physical, and not get distracted by any woo-woo “spiritual.” If we continue sitting without expectation, implementing the two pressure points until we feel tMatsuoka-roshi's “sitting mountain feeling” of great stability — our head “pressed against the ceiling” — the body and mind will take us where we need to go. We trust our teachers' intent and wisdom, and we trust our Original Mind, as indicated in the title of Hsinhsinming, the earliest Ch'an poem chanted in Soto liturgy. If we sustain this posture — sitting still enough and straight enough for long enough — it will work its magic. Equilibrium will set in in the tension-compression system of muscle and bone of the body, leading to equipoise of the mind. Sustained for some time, the constancy of our proprioception will inevitably lead to vertigo — the flip side of solidity. “Mountains are always walking” — the planet is falling through space. There is “not even a toehold.” Emptiness is innately form, form innately emptiness. In the next segment of UnMind, we will put a cap on “Election Year Zen,” my tenth and final concluding commentary on the 2024 campaign, now that we know how it all turned out. But like a centipede, or millipede, there are surely many more shoes to drop.

In this episode, The Annuity Man discussed:  Why are Indexed Annuities sold in a misleading way?  Indexed Annuities are not growth products  What annuities are for    Key Takeaways:  Because Indexed Annuities are a high-commission product for agents, they are often promoted in a misleading manner, obscuring their true nature and limitations. Indexed Annuities are not growth products, they are designed for principal protection, CD-type returns, and Income Riders. Indexed Annuities lack dividends, limiting their potential for growth. When it comes to annuities, remember that you should only base your buying decision on contractual guarantees. Annuities solve for these specific goals: Principal protection, Income for life, Legacy, and Long-term care.    "The upfront bonus is candy for the stupid. Buying an Index Annuity for that upfront bonus is like buying a brand-new car for the stereo system. That should be irrelevant to your decision." —  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:  The Annuity PILL Choosing an annuity carrier Putting the client's best interest first The future of the annuity industry   Key Takeaways:  The acronym PILL stands for Principal Protection, Income for life, Legacy, and Long-term care. If you don't need to contractually solve for one or more of those items in the PILL, then you don't need an annuity of any type. Never buy an annuity for market growth.  Once you've determined what you want the money to contractually do and when you want the guarantees to start, we'll shop all carriers, listing all the top contractual guarantees offered. Annuities are commodity products.  Some carriers should not be recommended even if they offer the highest contractual guarantees. These carriers either do not or do not have the capability to put the client's best interest first.  There are some processing issues, hiring issues, and workforce issues, but all will be solved. It's going to be a bumpy ride, but the industry is on the way to fixing problems and improving systems.    "My grandfather always told me, ‘If you tell the truth, you don't have to remember anything.' That is our business model." —  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:  The Annuity PILL The best inflation annuity  Annuities are a transfer of risk   Key Takeaways:  Annuities provide lifetime income, principal protection, legacy planning, and long-term care benefits. If you're not solving for any of those, then you don't need an annuity.  Social Security is the best inflation annuity and you can use it along with pensions to establish an income floor.  Annuities offer contractually guaranteed solutions by transferring risk to insurance companies. "Remember that you own an annuity for what it will do, not what it might do." —  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!

CLIP- Reading Manuals full 340 Wed, 06 Nov 2024 16:41:13 +0000 vFQPij0jVjCFI9iFB5cSUVcOjG8MP9DD society & culture Klein/Ally Show: The Podcast society & culture CLIP- Reading Manuals Klein: This east coast transplant, has built and hosted successful morning radio shows on both coasts. He has also written jokes for Comedy Central Roasts and Howard Stern. His biggest claim to fame, however, was when he was born eight minutes after midnight on January 1st and named ‘Baby New Year.' Ally: Sketch comedian, voice-over artist, and comedy writer. Ally has co-hosted radio shows in San Francisco and Los Angeles and had her voice featured in numerous commercials, cartoons, and video games. DJ OMAR KAHN: Audio specialist and ‘self-made millionaire.' Omar spent years as part of the Hall of Fame Kevin & Bean Show. 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Frss.ampe

In this episode, The Annuity Man discussed:  The purpose of Fixed Index Annuities  Buying only for contractual guarantees  Why some agents oversell Index Annuities  Understanding contractual guarantees    Key Takeaways:  Fixed Index Annuities are designed for principal protection and lifetime income, not market growth.  Buy annuities only for contractual guarantees not for upfront bonuses or agent projections. Index Annuities are complex products often oversold by agents for high commissions. Buyers should thoroughly understand contractual guarantees before purchasing Fixed Index Annuities.    "This is your money. Don't believe the hype, believe the contract and own an annuity for what it will do, not what it might do." —  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 and Steve Parrish discuss:  What are QLACs?  Transferring longevity risks  Creating a secure income floor in retirement  How annuities are priced    Key Takeaways:  QLACs (Qualified Longevity Annuity Contracts) are a pro-consumer annuity product that allows transferring longevity risk by using IRA assets for lifetime income guarantees via insurance companies. Longevity risks require pooling mortality credits via longevity annuities from highly-rated carriers to ensure lifelong income. QLACs provide a secure income floor in "chapter two" (retirement), avoiding RMDs (Required Minimum Distributions) and offering no fees. Annuities are better for longevity risk pooling and income than the flawed 4% withdrawal rule. Annuities are primarily priced based on life expectancy, interest rates play a secondary role in that computation.    "Older you is not going to be the same as the younger you. Take my word for it. You want to have peace of mind. You're not going to want to have to call your broker every month when the economy is going crazy. You want to play with your grandkids, go golfing, whatever, and to know that you've locked in some income." —  Steve Parrish   Connect with Steve Parrish: Blog posts: https://www.forbes.com/sites/steveparrish/?sh=61590d633079    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:  Focusing on contractual guarantees What annuities solve for  Common annuity pitch traps    Key Takeaways:  Avoid non-guaranteed hypotheticals and focus on contractual guarantees when considering annuities. Buy annuities for specific needs like principal protection, income, long-term care, or legacy, not for market returns. Be wary of urgency sales pitches, steak dinner seminars, advisors behaving like friends, backdated performance illustrations, promised market participation with no downside, upfront bonuses, and showing other clients' accounts as proof of returns.    "Do not fall for market upside but no downside. Do not fall for market participation with principal protection. All those yummy sales pitches that look like they should go on a t-shirt. Do not fall for that. Do not fall for the upfront bonus." —  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!

Tim Tam prices are soaring in Aussie SLP: Barefoot in stores? Uber in Turkey Tipping upfront Top 6: Other Christmas Movie Storylines Gen Z are serial returners Weird thing you bring for lunch? Final Rankings: Times of Day What to watch this long weekend Hayley woke herself up with a fart What about you intimidates dates? Fact of the Day Car week: Manuals v Autos Vaughan speaking at August's school Reels vs TiktokSee omnystudio.com/listener for privacy information.

The following statement gave me cause for deep contemplation… “We hurt our own feelings by thinking we mean more to people than we really do.”   I agree up to the ‘thinking' part, but not on the ‘mean more' part… that part we actually do not know, and will never know.   Other related Podcast Episode(s): https://podcasts.apple.com/us/podcast/ep-90-self-imposed-misery/id1597656935?i=1000624439287   IMPORTANT: If you are in an abusive relationship and you don't feel safe, call the National Domestic Violence Hotline! National Domestic Violence Hotline Hours: 24/7. Languages: English, Spanish and 200+ through interpretation service  800-799-7233 OR text START to 88788 ⁠Learn more⁠ here   LET'S CONNECT ON SOCIAL MEDIA! INSTAGRAM: @women.rising.together ⁠https://www.instagram.com/women.rising.together/⁠   PRIVATE FREE FACEBOOK COMMUNITY: WomenRisingTogether2021 (link below)  ⁠Women Rising Together | Facebook⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/addie970/support

Lane drives a BMW E60 M5 manual, is Danny Ric really out of Formula 1?, and trivia.

A wonderful podcast topic was requested recently and that is: Manuals 2.0. This individual wanted to know what types of subconscious manuals might we have? I last taught on manuals in 2019 when the podcast started so I thought a refresher and more detailed approach might be useful nearly 5 years later. Enjoy!Visit macierenae.com to learn more about Macie & her work!Interested in working with her? Schedule a FREE consult HERE.Follow on Facebook, Instagram, and TikTok: @Macie Renae Coaching

What needs to go into a training manual if you are teaching physical skills? How can you focus in on your super fans and create only for them, while still making a living from multiple streams of income? Guy Windsor explains more in this interview. In the intro, Amazon celebrates a decade of Kindle Unlimited […] The post Self-Publishing Training Manuals And Focusing On Your True Fans With Guy Windsor first appeared on The Creative Penn.

The guys livestream for this episode, and take all audience questions! They talk about manual transmissions and if they've been saved yet, Ford rolling back its EV production goals, and how much do you try and guide your non-car friends into the hobby? Please rate + review us on iTunes, and subscribe to our two YouTube channels. Write us with your Car Debates, Car Conclusions, and Topic Tuesdays at everydaydrivertv@gmail.com or everydaydriver.com. Don't forget to share the podcast with your car enthusiast friends! Learn more about your ad choices. Visit megaphone.fm/adchoices