Podcasts about manuals

The manual gearbox is an endangered species.We all know the battle cry "Save the Manuals"- but Ahmed Raza decided to do something about it. He bought a Mazda Miata without knowing how to shift gears, but promptly learned and became a car enthusiast. Being an entrepreneur, Ahmed and a friend started a business called "Manual Driving Academy" to teach others the essential skills of operating a stick shift. The company now has instructors in forty-seven locales where they spread the joy of driving a proper car.https://manualdrivingacademy.com/SUPPORT THE POD:https://www.buymeacoffee.com/hpheritageSLOW BAJA VINTAGE EXPEDITION: https://www.slowbaja.com/adventures/slow-baja-vintage-expedition-1SUBSCRIBE to Horsepower Heritage on YouTube:https://www.youtube.com/@horsepowerheritageFIND US ON THE WEB:https://www.horsepowerheritage.comINSTAGRAM: @horsepowerheritageHORSEPOWER HERITAGE is created, produced and hosted by Maurice Merrick.Get in touch with Maurice:https://horsepowerheritage.com/contactSupport the showHELP us grow the audience! SHARE the Podcast with your friends!

In this episode, The Annuity Man discussed:  Recognizing annuity trade-offs Focusing on contractual guarantees Asking the right questions Evaluating strength over sales pitches   Key Takeaways:  No annuity is perfect; each comes with both benefits and limitations. They should be understood as commodity products rather than flawless solutions. Annuities should always be purchased for their contractual promises, such as lifetime income or principal protection, rather than hypothetical returns. The key to choosing the right annuity is identifying what you want the money to do contractually and when you want those guarantees to begin. When comparing annuities, focus on the company's financial stability and the highest contractual guarantees offered, not marketing claims or projections.   "If you do not need to contractually solve for one or more of those items in the PILL acronym, then you do not need an 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!

Law firms love their SOPs—binders full of screenshots, arrows, and step-by-step instructions. But here's the problem: they take months to build, cost thousands to produce, and go out of date the moment software updates. There's a better way. In this episode, I break down how forward-thinking lawyers are replacing outdated SOPs with AI-powered prompt libraries that actually get work done. You'll hear real examples, learn why prompts are more reliable than manuals, and see how this simple shift can save your firm hours every week. If your SOP binder feels more like dead weight than a useful tool, this episode will show you what to do instead. Episode Links ChatGPT Lab (a weekly AI workshop for lawyers) Apply to join the ChatGPT Lab The 80/20 Principle (my techlaw newsletter) The Inner Circle (my online community for lawyers) Follow and Review: I'd love for you to follow me if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. I'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Thanks to the sponsor: Smith.ai Smith.ai is an amazing virtual receptionist service that specializes in working with solo and small law firms. When you hire Smith.ai, you're hiring well-trained, friendly receptionists who can respond to callers in English or Spanish. And they have a special offer for podcast listeners where you can get an extra $100 discount with promo code ERNIE100. Sign up for a risk-free start with a 14-day money-back guarantee now (and learn more) at smith.ai.  

Recorded 16th July 2024visit: http://beautyofreallove.com/visit: https://sadhumaharaja.net/audio: https://tinyurl.com/BeautyOfRealLove#raganugabhakti #bhaktiyoga #radha

A reading of Pilot's Handbook of Aeronautical Knowledge (PHAK) Chapter 9. Checkout: www.wifiCFI.com for more audiobook readings and:STUDY COURSES (click any to try free!)Private Pilot >Instrument Rating >Commercial Pilot >CFI Study Course > CFII Study Course > Multi Engine Add-On > CHECKRIDE LESSON PLANS (click any to try free!)CFI Lesson Plans >CFII Lesson Plans > MEI Add-On Lesson Plans >TEACHING COURSES (click any to try free!)Teach Private Pilot >Teach Instrument Rating >Teach Commercial Pilot >Teach CFI Initial >Teach CFII Add-On >Support the show

In this episode, The Annuity Man discussed:  Annuities as lifetime income How annuities are priced Focus on contractual guarantees Two primary purposes of annuities   Key Takeaways:  Annuities, like Social Security or pensions, provide guaranteed income for life. They come in several forms, such as immediate, deferred, and longevity annuities, each designed to fit different timing and retirement needs. The pricing of annuities is based on life expectancy, interest rates, and insurer capacity. Because of these factors, annuity quotes change frequently, much like other market-driven products. Annuities should be purchased for their contractual guarantees rather than hypothetical returns. Comparing these guarantees across different carriers ensures you get the most reliable value. The main reasons people buy annuities are for principal protection and income for life. Choosing the right annuity depends on what you want your money to do and when you want the guarantees to begin.   "Capacity equals competition. And that's the reason that when you look at annuities for just the contractual guarantees of the policy, which is the reason you should buy, never buy an annuity for the hypothetical returns." —  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!

Send us a textIn this second episode of why am I a member of the Church of Christ, Glenn begins by noticing the warning Paul gave to the elders of the local church at Ephesus about how there would be those among them who would seek to draw away disciples to follow them. Jesus gave the same warning, and we discuss that situation as well as the specific name Jesus gave them. Jesus discussed certain ones who thought they were following what God said but were in fact not doing so. We discuss what Jesus said to them and how important it is to keep the Lord's commands. We look at what Jesus told His apostles about Him sending the Holy Spirit after He left them and why He was sending Him. We note our discussion in the last episode about Jesus being the builder of the Church of Christ that is referred to in the New Testament. We point out that Jesus is the foundation of His Church, as well as the King over His Kingdom, which is simply another way His Church is described. We talk about how important it is for us to speak and follow what the words in the Bible say. For instance, we know that He tells us that everything we need to obey God and be pleasing to Him is provided in His words. We discuss what the Hebrew writer said about how God communicated to man in the Old Testament and how he does that today. We note the problem that we see in the world of denominations today, what they have done and why this is so important to understand. We begin our discussion about when the Church of Christ was established, by noting that the division or denominating of the Lord's Church was criticized very early by Paul the apostle, which was contrary to the unity the Lord requires. In the next episode, we will look at when the Church of Christ was established. Take about 30-minutes to listen in on our discussion. Have your Bible handy so you can verify what we are saying. There is a transcript of this Buzzsprout episode provided for your convenience.

In this episode, The Annuity Man discussed:  The value of annuities for lifetime income planning  Laddering strategy with annuities  Placing an annuity inside a trust    Key Takeaways:  When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility and the ability to adapt to changing circumstances. By purchasing multiple annuities with different start dates, you can create a steady stream of income that aligns with your needs over time. This approach, called laddering, allows you to adjust your income as your requirements change, providing a level of flexibility that a single annuity may not offer. By placing an annuity inside a trust, you can maintain control over the asset while still benefiting from the lifetime income it provides. This strategy can be particularly useful for those who want to ensure their assets are managed according to their wishes, even if they become incapacitated.   "It's a keep your powder dry strategy, meaning that you can go into this with a plan in place for future income needs in the future. You know exactly to the penny what that's going to be. But if something changes between now and then, you can get all your money back because the underlying value walk away money is with that Indexed Annuity, which is a Fixed 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:  CDs and MYGAs I-bond no-brainer The safest product in principal protection  How safe are MYGAs?    Key Takeaways:  Here's how CDs (Certificate of Deposit) work: you give the bank money, they protect the principal, and you don't have to pay any fees. You can take the interest if you want to at the end of the term, and do what you want with your money. MYGAs are basically the annuity industry's version of a CD.  Treasury bonds are a no-brainer. Go to treasurydirect.gov to buy them for yourself. The only downside of treasury bonds is that there's a limitation on how much money you can put in them.  Of these three safe principal protection options, treasury bonds are the safest because the government can tax or confiscate money in order to pay them, and they will. The second safest one is CDs, since they are government-based as well.  MYGAs are safe products to invest in, and their safety is based on the annuity company's ability to pay. They are commodity products, and the money you'll get from them can be used to buy another MYGA from another company. However, you can't put all your money on annuities; you've got to spread it around.    "This trifecta is a contractual guarantee:  CDs, Treasuries, Multi-Year Guarantee Annuities. You're owning these because of what they will do, not what they might do. You're buying the yield. The yield is contractual." —  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!   

A la segona part del programa connectem amb Rafa Balagué, creador de Lo Llantier, un espai dedicat al benestar a través de la teràpia manual i els olis essencials destil·lats artesanalment.

In this episode, The Annuity Man discussed:  Annuities that increase with inflation  The role of interest rates in pricing  For products that adjust for inflation Reverse-engineering your income floor   Key Takeaways:  Annuities don't give things away for free. A product that magically increases with inflation doesn't exist.  Lifetime income is primarily priced based on your life expectancy at the time you take the payment. Interest rates play a minor role.  For products that have a potential or contractual increase for inflation, the annuity company will severely lower the initial income as compared to the exact annuity without the increase.  Don't focus on things that you can't control. Focus on building up an income floor that suits your needs. Compute the number you'll need to cover your expenses; we can reverse-engineer a product for that.    "It's math to the annuity companies. It should be math to you. 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:  CDs and MYGAs I-bond no-brainer The safest product in principal protection  How safe are MYGAs?    Key Takeaways:  Here's how CDs (Certificate of Deposit) work: you give the bank money, they protect the principal, and you don't have to pay any fees. You can take the interest if you want to at the end of the term and do what you want with your money. MYGAs are basically the annuity industry's version of a CD.  Treasury bonds are a no-brainer. Go to treasurydirect.gov to buy them for yourself. The only downside of treasury bonds is that there's a limitation on how much money you can put in it.  Of these three safe principal protection options, treasury bonds are the safest because the government can tax or confiscate money in order to pay it, and they will. The second safest one is CDs since they are government-based as well.  MYGAs are safe products to invest in, and their safety is based on the annuity company's ability to pay. They are commodity products, and the money you'll get from them can be used to buy another MYGA from another company. However, you can't put all your money on annuities; you got to spread it around.    "This trifecta is a contractual guarantee:  CDs, Treasury's, Multi-Year Guarantee Annuities. You're owning these because of what they will do, not what they might do. You're buying the yield. The yield is contractual." —  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!

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In this episode, The Annuity Man discussed:  Products that adjust for inflation  Thinking rationally about inflation  Reverse-engineering annuity    Key Takeaways:  Many bad sales pitches out there mention a way to beat inflation using indexed products that adjust for inflation. What really happens is that the annuity company severely lowers the initial payment to make up for any potential increase.  Think rationally about inflation. It's customizable to everybody, meaning not everyone is affected the same way. Some are not even affected at all.  Start with the goal or the need. How much more do you need in order to live the life that you want? To solve for that difference, you've got to shop all carriers and see which offers the highest contractual guarantee that will fit the goal or the need.    "Just hold until you need to fill the gap in income for inflation. Don't be proactive; don't throw darts at it. But if you do want to throw darts - let's buy income that starts at a future date." —  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! 

Apple CarPlay is great, but is Ultra a step too far to differentiate the in-cabin experience? The guys discuss the dichotomy of unreliability vs. cost. Does making a vehicle reliable just mean dumping more money into it, and have we confused the terms ‘unreliable' and ‘expensive?' Albert S. doesn't admit to being a BMW enthusiast, despite owning four - he wants what's next. Then, Jason W. doesn't feel ready for a Porsche, but maybe when he's older. Car conclusions include cheap new EVs and project cars, and social media questions include an inquiry on how to get better driving manual transmission? Audio-only MP3 is available on Spotify, Apple Podcasts and 10 other platforms. Look for us on Tuesdays if you'd like to watch us debate, disagree and then go drive again! 00:00 - Intro 00:38 - Apple CarPlay Ultra Unliked? 10:44 - Dacora Motors, The Streamline Moderne EV 22:57 - Topic Tuesday: Does 'Unreliable' mean ‘Expensive?' 54:54 - Car Debate #1: Does Four BMWs Make You An Enthusiast? 1:12:53 - Car Debate #2: Not Ready For A Porsche Yet 1:22:55 - Car Conclusion #1: They're Almost Giving Them Away 1:24:16 - Car Conclusion #2: Everyone Should Have A Project Car 1:29:06 - Audience Questions On Social Media  Rate and review us on Apple Podcasts, and subscribe to our two YouTube channels. Write to us your Topic Tuesdays, Car Conclusions and those great Car Debates at everydaydrivertv@gmail.com or everydaydriver.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Josh and James discuss the concept of user manuals for humans, exploring how individuals can communicate their preferences, boundaries, and working styles to foster better collaboration in teams. They emphasize the importance of psychological safety, effective communication, and the role of writing in self-reflection and team dynamics. The conversation also touches on managing expectations, delegation, and creating a safe space for open dialogue within teams. User manuals help communicate personal working styles. Psychological safety is crucial for honest communication. Feedback should be given early and often. Writing down thoughts aids in self-reflection. Effective communication requires understanding different styles. Delegation should come with clear information. Creating a safe space encourages team collaboration. Writing is a powerful tool for clarity and thinking. Sharing user manuals can align team expectations. Openness in communication fosters trust and understanding.

In this episode, The Annuity Man discussed:  Threading the needle with volatility Freedom from volatility Annuities are the haystack  Time to secure guarantees    Key Takeaways:  Threading the needle to get market returns makes you dependent upon so much unknown. You're dependent on world markets, geopolitical events, and meltdowns that are impossible to predict.  A lot of people can retire from their jobs and the market, and they should; those who can't yet should make it a goal to do that and be free from being dependent on volatility.  There's no threading the needle for principal protection; there's no finding the needle in a haystack for lifetime income. You don't need to find a needle; you need the haystack. Use an annuity to have the highest contractual guarantee.  What phase of your life are you in right now? If you're in the no-go stage, then it's time to stop losing sleep over the markets, and it's time to secure guarantees.    "Investing in markets a lot of times is like surfing the side of a cruise ship. Sometimes you're going to catch a wave right beside that cruise ship, but a lot of times, you're going to get sucked under the boat." —  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 contracts  How Indexed Annuities Should Be Used  Don't buy an annuity for market returns    Key Takeaways:  To say that something is “guaranteed and backtested” means that there is nothing guaranteed at all. Annuities are contracts; buy them for what they will do and not what they might do.  Indexed Annuities have the potential to go down in value, but they can be used as an efficient delivery system for guaranteed lifetime income through an income rider attachment.  If you want market returns, never buy an annuity. Annuity solves for four things: Principal protection, Income for life, Legacy, and Long-term care.    "Do not buy the annuity dream because you're gonna own the contractual reality." —  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 four lifetime income products How annuities are priced  The simplicity of SPIA  Getting the highest guarantee    Key Takeaways:  There are four lifetime income products: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Income Riders that can be attached to Variable Annuities and Indexed Annuities.  Annuities are priced primarily on your life expectancy at the time you start the payment. Interest rates play a secondary role.  Deferred Income Annuities are, in essence, just a Single Premium Immediate Annuity that is deferred past a year. A SPIA has no moving parts, no market attachments, and no annual fees. It is a straight transfer of risk.  The highest possible payments you can have from an annuity are from a life-only annuity. This is the annuity for people who don't want to give to any beneficiaries. Companies often issue these without the option to change the start date, but you can change the start date if the contract has a cash refund or period certain attached to it.    "That income for life transfer risk strategy with annuities, typically four primary types SPIAS, DIAS, QLACs, and Income Riders. We can structure it so that you have the ability to pivot and change that income start date." —  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!

Sitting in for Chris is Matcoman Brian, and he & Ray talk about road trip issues.Ray found that even when he buys new parts they need to be modified; Procar set brackets are the culprit this time. Back-to-back meets with the Corvette Society crew proves that havingprinted material like a Hollander manual is key to solving parts fitment questions. Rental carissues and the progress on Brian's Mustang project round out this hour of fun.  Check our social media feed to see the pictures; on Instagram: @real_motormouthradio and on You Tube: https://youtu.be/6BstZQ6n7rw

In this episode, The Annuity Man discussed:  Why do agents tell stories?  Protecting yourself from bad pitches  Don't listen to these stories  The only two important questions    Key Takeaways:  In sales, managers will often tell their people that stories sell and that they do, so you have to watch out for hypotheticals, testimonials, and anecdotal “evidence.”  Here's how you can protect yourself from liars who'd sell you stories: write down their sales pitch exactly as they said it and how you understood it. Sign and date it at the bottom and flip it over to them. Have them sign the contract, so they're on the hook if they lie in their pitch.  Never base your decision on a back-tested number; those are stories. If they tell you all about the people who own what they're selling, don't listen - those are stories. Never base your decision on up-front bonuses; you're smarter than that - there's no such thing as free money.  There are only two important questions: “What are the contractual guarantees?” and “When do you want those contractual guarantees to start?” By answering those two, we can determine whether you even need an annuity or which type will provide the highest contractual guarantees if you need an annuity. There are no stories with contractual guarantees.    "Don't buy the dream because you're going to own the contractual reality. Don't buy the story, buy the contract." —  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! 

Animal Reiki Wisdom with Sioux Strong: Consent, Safety, and the Healing Energy of Nature In this episode, Colleen Benelli, Robyn Benelli, and Sioux Strong come together for the first time in years to talk all things Animal Reiki. Sioux shares her lifelong journey with animals—from raising guide dogs and working with elephants to co-authoring the ICRT Animal Reiki courses and joining the Reiki Lifestyle team. Together, they explore the foundations of Animal Reiki practice, including the importance of consent, observation, and safety. You'll hear real-life stories about animal communication, healing sessions, and how Reiki is received differently across species. The episode also dives into the deeper energy of the Tree of Life symbol and how the energy of the ICRT Animal Reiki system calls us back into the circle of life with animals, nature, and the Earth. They also announce their upcoming in-person Animal Reiki classes at Wildwood in Oregon, a sacred space filled with rivers, trees, salmon, and daily connections with nature and spirit. Whether you're a practitioner, a teacher, or simply love animals, this conversation is full of laughter, heart, and wisdom. Resources & Class Info: Visit www.reikilifestyle.com for course details Email: colleen@reikilifestyle.com | robyn@reikilifestyle.com | sioux@reikilifestyle.com Watch the class preview on Instagram: @reikilifestyle.official ✨Connect with Colleen and Robyn  Classes: https://reikilifestyle.com/classes-page/ FREE Distance Reiki Share: https://reikilifestyle.com/community/  Podcast: https://reikilifestyle.com/podcast/ (available on all major platforms too) Website: https://reikilifestyle.com/ Colleen Social Media: Facebook: https://www.facebook.com/ReikiLifestyle Instagram: https://www.instagram.com/reikilifestyleofficialempo Robyn Social Media: Instagram: https://www.instagram.com/robynbenellireiki Facebook: https://www.facebook.com/robynbenellireiki **DISCLAIMER** This episode is not a substitute for seeking professional medical care but is offered for relaxation and stress reduction which support the body's natural healing capabilities. Reiki is a complement to and never a replacement for professional medical care. Colleen and Robyn are not licensed professional health care providers and urge you to always seek out the appropriate physical and mental help professional health care providers may offer. Results vary by individual.

In this episode of the HVAC Know It All Podcast, host Gary McCreadie continues his conversation with David Rames, Senior Product Manager at Midea America. In Part 2, David talks about the importance of pressure testing and evacuating each line set in multi-zone ductless systems. He emphasizes using a torque wrench to avoid over-tightening flare nuts, which can cause leaks. David also explains the dry mode feature in Midea systems, designed to control humidity effectively. The episode wraps up with advice on proper installation, maintenance, and the value of training to ensure quality work and satisfied customers. David Rames discusses the importance of pressure testing and evacuating each line set in multi-zone ductless systems. He explains how using a torque wrench can prevent over-tightening flare nuts, which can cause refrigerant leaks. David also highlights the dry mode feature in Midea systems, which helps manage humidity by slowing down the fan and cooling the room. The episode wraps up with advice on proper installation, leak testing, and the need for thorough training to ensure quality installs and satisfied customers. Throughout this episode, David talks about the steps to ensure a proper installation in multi-zone ductless systems. He explains the importance of pressure testing and evacuating each line set separately to avoid leaks. David also discusses the need for using a torque wrench to avoid over-tightening flare nuts. He highlights the dry mode feature in Midea systems, which helps control humidity. Lastly, he shares tips on doing thorough training and following manuals to get the best results on every job. Expect to Learn: Why is pressure testing and evacuating each line set crucial? How a torque wrench prevents over-tightening flare nuts. What the dry mode feature in Midea systems does for humidity control. The importance of following the installation manual for better results. Why thorough training ensures high-quality installs and satisfied customers. Episode Highlights: [00:00] - Intro to Part 02 with David Rames [01:33] - Key steps for pressure testing and evacuation [02:59] - Using a torque wrench the right way [05:36] - Manuals matter for a clean install [07:23] - Understanding torque ranges and flare fitting [09:25] - Leak testing tips and skipping filter dryers [10:56] - Doing evacuation and decay tests properly [13:56] - Good installs stop blaming on equipment [16:42] - Using dry mode for better humidity control [18:12] - How dry mode changes fan speed and coil temp [20:12] - When misuse, not installation, causes complaints [25:21] - Wrap-up and where to learn more about Midea

In this episode, The Annuity Man discussed:  Annuities for your spouse and loved ones  Throwing darts at death  Planning for cognitive decline  Filling in financial gaps   Key Takeaways:  Using a trust, you can set up an immediate annuity purchase to trigger when you pass away to provide lifetime income for your spouse using a designated lump sum. You can use annuities to lovingly handcuff your young beneficiaries, providing them with guaranteed income instead of a lump sum.  Buying an income rider, deferring it out, and setting it up as a joint-life policy is like throwing darts at death because you don't know when you're going to die. Death is not a good strategy.  The problem with planning for something for your spouse in case of cognitive decline is that you don't know when you will have cognitive decline, especially if you are already in cognitive decline.  You can set up a plan that will fill in financial gaps that your spouse can enjoy when you pass away, and it can be set up so that your death triggers it. However, you can also throw some calculated, contractual darts if that's what you prefer.    "Now, while you're alive, if there's something like a pension or something that's going to be reduced upon your death, we should start planning upon your death to replace that gap for your spouse. That can be done at the time of your death - it can be triggered by your death. Or we could throw some calculated contractual darts. " —  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!   

If you've ever found yourself hurt, frustrated, or emotionally drained because someone didn't do what you thought they should—especially after you asked—this episode is for you. In this conversation, I'm talking about a powerful concept I use with my clients all the time, called “the manual.” It's the invisible rulebook we write in our minds about how other people should behave and what their actions (or lack of action) mean about us. But here's the catch: no one else has a copy of that manual. And when people don't follow our unspoken rules, we end up making it mean something painful—like “they don't care,” or “they don't love me.” That pain builds up, and it affects our emotional and physical health, especially when we're healing after something as life-changing as breast cancer. So in this episode, I'm sharing how to spot when you're living by a manual, how to burn it, and how to replace it with something far more powerful: clear, loving boundaries that support your peace and your healing.  

In this episode, The Annuity Man discussed:  Solving for longevity risk  Four products for lifetime income  Focusing on guarantees    Key Takeaways:  There is no ROI until you die. Up until then, it's a transfer of risk to the annuity company to solve for longevity risk. The longevity risk is the fear that you'll outlive your money. An annuity will pay as long as you're breathing, even if you are on a ventilator.  The annuity industry has four major types: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts,  and Income Riders. All four provide a lifetime stream as long as you are breathing or if you set it as joint-life, as long as you or your spouse is breathing.  Forget all the shiny things that agents try to make you fixate on. Focus on the guarantee that you will get paid as long as you're breathing. You could also structure the contract so that your money goes to your beneficiaries when you die.    "The good thing about turning on lifetime income stream and transferring that risk to an annuity company to pay for as long as you're breathing or on a ventilator is that it's turnkey. And there will come a point if we live long enough that we will need that income to be turnkey." —  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 with a push-comes-to-shove feature  Advantages of liquidity  Balance between potential and liquidity  Why flexibility matters in annuity planning Meeting diverse financial needs through annuity design   Key Takeaways:  Certain annuity products, such as the MYGA (Multi-Year Guaranteed Annuity), fixed-rate annuity, and CD annuity, offer a liquidity option known as the "push-comes-to-shove" feature, allowing penalty-free withdrawals in case of emergencies. The "push-comes-to-shove" feature in annuities provides access to funds when faced with unexpected financial circumstances, offering peace of mind and flexibility. By allowing penalty-free withdrawals, these annuity products cater to individuals seeking a balance between growth potential and liquidity, ensuring financial security during unforeseen events. The inclusion of the "push-comes-to-shove" feature in annuity products reflects an understanding of the need for accessible funds, particularly in times of crisis or emergencies. Annuity providers recognize the importance of offering products that not only provide long-term growth opportunities but also address the potential need for immediate access to funds, catering to the diverse financial needs of their clients.   "Annuities that provide you the liquidity, either taking out interest or 5% or 10%, those are push-comes-to-shove annuities." —  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:  Why would you want to stop taking in income?  Three types of irrevocable lifetime income teams  Light-switch Annuity Products   Key Takeaways:  There a myriad reasons why you would want to stop taking income, and there are annuity reasons that allow for this. One reason could be if tax laws change in the future and you want to shut down the income stream to not getting taxed, or when you want the income to accumulate for your death benefit. The three types of irrevocable income lifetime income streams are Single Premium Immediate Annuity, Deferred Income Annuity, and Qualified Longevity Annuity Contracts.  A Multi-Year Guaranteed Annuity is the annuity industry version of a CD. It allows you to take out interest while keeping the capital intact, and it's a light-switch annuity product. Another light-switch product is an income rider attached to an indexed annuity.    "There are annuities that aren't light switch annuities: SPIAs, DIAs, and QLACs - but there are annuities that are light switch for income, MYGAS, and then income riders which are lifetime income 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!

Proprietor of Manuals in Aptos CA, family owned for over 60 years serving the best Mexican comfort north of the border.

Interested in joining one of our driving tours?https://www.ontheroad.tours/This week we discuss:0:00 - Intro 0:22 - Rate My Ride! 34:46 - Investment Chat with Candy46:54 - Audience Q&A! 1:07:07 - Outro AD | This video should not be construed as an invitation or inducement to engage in investment activity. It does not constitute financial advice. The views expressed are for information and entertainment purposes only. Swissquote recommends taking professional financial advice prior to taking any investment decisions. The value of investments may go down as well as up. When considering a Lombard loan, you should determine how the use of margin fits your own risk tolerance and investment goals. Please review Swissquote Bank Europe's Investment and Risk warning disclosure: https://links.imagerelay.com/cdn/2958/ql/investment-and-risks-warning-disclosure-en Hosted on Acast. See acast.com/privacy for more information.

In this episode, The Annuity Man discussed:  The fear of running out of money Solving the fear of running out  Is FORO more important the FOMO?  Using math to address FORO    Key Takeaways:  Most of us didn't grow rich. We saw what it was like to live in scarcity, and today, many of us still carry those scars. Despite having millions or a portion of that, some people might still feel poor and fear running out of money.  If you're worried about running out of money or won't have enough in your retirement, consider looking into strategies that provide guaranteed lifetime income.  The fear of running out is more important to address than the fear of missing out, especially for chapter two of your life. In addressing FORO with annuities, we're solving for lifetime income or protecting the principal and peeling off the interest.  One more way to address FORO is to do some math and remove the emotionally-charged memories from the equation. Annuities are math; they're not hypotheticals.    "The fear of running out can be solved with annuities in combination with the best annuity you have on the planet, which is Social Security and principal protection products and contractual guarantees. We can solve for the scars of scarcity." —  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 value of annuities for lifetime income planning  Laddering strategy with annuities  Placing an annuity inside a trust    Key Takeaways:  When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility and the ability to adapt to changing circumstances. By purchasing multiple annuities with different start dates, you can create a steady stream of income that aligns with your needs over time. This approach, called laddering, allows you to adjust your income as your requirements change, providing a level of flexibility that a single annuity may not offer. By placing an annuity inside a trust, you can maintain control over the asset while still benefiting from the lifetime income it provides. This strategy can be particularly useful for those who want to ensure their assets are managed according to their wishes, even if they become incapacitated.   "It's a keep your powder dry strategy, meaning that you can go into this with a plan in place for future income needs in the future. You know exactly to the penny what that's going to be. But if something changes between now and then, you can get all your money back because the underlying value walk away money is with that Indexed Annuity, which is a Fixed 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! 

Welcome to SHIPWRECKED & COMATOSE, an in-depth podcast dedicated to the classic BBC science-fiction sitcom, Red Dwarf.   For 2025, we're really taking the in-depth thing seriously as we take on the Red Dwarf film/special in the Minute Podcast format! Alongside various guests along the way, your regular hosts are unpacking the 2020 film one minute at a time!   In this episode, taking a look at minute 43, Mark is your host and is joined by Kurt: a rare occurrence despite them both being the co-creators of the podcast!     Host: Mark Adams Guest: Kurt North Editor: Mark Adams   Twitter/BlueSky/Insta: @RedDwarfPod Our network on Twitter/BlueSky: @filmstories Our network on Insta: @filmstoriesmagazineuk Learn more about your ad choices. Visit megaphone.fm/adchoices

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!

We get it. No one wants to read all the planter user manuals. That's why at Wyffels, we've done some of the work for you. This week on "Keeping It Independent," the Wyffels agronomy team covers planter optimization and provides a Midwest corn planting update. Accurate singulation and seed placement are critical to maximizing corn yield. A planter that is properly maintained and set up will help optimize accuracy, but changing field conditions and seed sizes will require in-field adjustments.Links discussed in this episode:Between the Rows® - Optimize PlantabilityEvaluating Seed Corn Planting Depth & Seed-to-Soil Contact - VideoWyffels Hybrids - Planting Progress ReportWyffels Hybrids - Our Corn ProductsWe want to hear from you. Have questions you want us to address on future episodes? Ideas for how we can make this better? Email us at agronomy@wyffels.com. Wyffels Hybrids. Fiercely independent, and proud of it.

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!

In this episode, The Annuity Man discussed:  The value of annuities for lifetime income planning  Laddering strategy with annuities  Placing an annuity inside a trust    Key Takeaways:  When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility and the ability to adapt to changing circumstances. By purchasing multiple annuities with different start dates, you can create a steady stream of income that aligns with your needs over time. This approach, called laddering, allows you to adjust your income as your requirements change, providing a level of flexibility that a single annuity may not offer. By placing an annuity inside a trust, you can maintain control over the asset while still benefiting from the lifetime income it provides. This strategy can be particularly useful for those who want to ensure their assets are managed according to their wishes, even if they become incapacitated.   "It's a keep your powder dry strategy, meaning that you can go into this with a plan in place for future income needs in the future. You know exactly to the penny what that's going to be. But if something changes between now and then, you can get all your money back because the underlying value walk away money is with that Indexed Annuity, which is a Fixed 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!   

"Beyond the Toolbox: Exploring the Complexities of the Right to Repair Debate in Agriculture" We acknowledge the complexity of the debate—it's not just about farmers hacking software but a broader discussion about safety, ownership, relationships, and trust.Defining Right to Repair:Farmers' desire to access tools, diagnostics, and manuals to repair their equipment independently.Manufacturers' perspective on safety, emissions compliance, cybersecurity, and intellectual property rights.What the Debate Is Really About:It's not as simple as “farmers vs. manufacturers.”Broader implications for safety, environmental sustainability, and secure operation.What Equipment Manufacturers Support:According to the AEM statement, manufacturers support customers' access to:Safety materials, Manuals, service guides, and diagnostic tools.Training, best practices, and parts at authorized prices. The Bigger Picture – People, Personalities, and Perspectives Farmers' Perspective:Frustrations with downtime during critical seasons.Stories of how delays in repair access have impacted operations.The pride farmers take in being self-reliant and innovative problem-solvers.Manufacturers' Concerns:Safety risks associated with untrained individuals performing repairs.Cybersecurity risks and potential violations of emissions compliance.Concerns about providing access to embedded proprietary software.Trust and Collaboration:The relationship between farmers, dealerships, and manufacturers.Challenges in balancing farmers' needs with manufacturers' responsibility to protect their products and technology. Breaking Down Key IssuesManufacturer concerns about ensuring proper repair and maintenance practices.Risks of unauthorized modifications leading to unsafe or non-compliant equipment.Cybersecurity Threats:Potential vulnerabilities in connected equipment and broader networks.Real-world examples of what could go wrong if sensitive systems are compromised.Economic Impacts:How Right to Repair regulations could disrupt current market dynamics.Concerns from manufacturers about government-mandated repair provisions.A Free Market vs. Regulation:Discussing manufacturers' objection to laws dictating the cost and manner of repair information sharing.The balance between fostering competition and protecting innovation. Where Do We Go From Here?What Needs to Change:Open discussion on what each side—farmers and manufacturers—needs to consider to find common ground.  Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/

We've been in enough conversations to know when something clicks. This one did — and it did from the very first moment.In our debut Brand Story with White Knight Labs, we sat down with co-founders John Stigerwalt and Greg Hatcher, and what unfolded was more than a company intro — it was a behind-the-scenes look at what offensive security should be.John's journey is the kind that earns your respect quickly: he started at the help desk and worked his way to CISO, before pivoting into red teaming and co-founding WKL. Greg's path was more unconventional — from orchestral musician to Green Beret to cybersecurity leader. Two very different stories, but a shared philosophy: learn by doing, adapt without a manual, and never take the easy route when something meaningful is on the table.That mindset now defines how White Knight Labs works with clients. They don't sell cookie-cutter pen tests. Instead, they ask the right question up front: How does your business make money? Because if you can answer that, you can identify what a real-world attacker would go after. Then they simulate it — not in theory, but in practice.Their ransomware simulation service is a perfect example. They don't just show up with a scanner. They emulate modern adversaries using Cobalt Strike, bypassing endpoint defenses with in-house payloads, encrypting and exfiltrating data like it's just another Tuesday. Most clients fail the test — not because they're careless, but because most simulations aren't this real.And that's the point.White Knight Labs isn't here to help companies check a box. They're here to expose the gaps and raise the bar — because real threats don't play fair, and security shouldn't pretend they do.What makes them different is what they don't do. They're not an all-in-one shop, and they're proud of that. They won't touch IR for major breaches — they've got partners for that. They only resell hardware and software they've personally vetted. That honesty builds credibility. That kind of focus builds trust.Their training programs are just as intense. Between live DEF CON courses and their online platform, they're giving both new and experienced professionals a chance to train the way they operate: no shortcuts, no watered-down certs, just hard-earned skills that translate into real-world readiness.Pass their ODPC certification, and you'll probably get a call — not because they need to check a hiring box, but because it proves you're serious. And if you can write loaders that bypass real defenses? You're speaking their language.This first conversation with John and Greg reminded us why we started this series in the first place. It's not just about product features or service offerings — it's about people who live and breathe what they do, and who bring that passion into every test, every client call, and every training they offer.We've got more stories with them on the way. But if this first one is any sign of what's to come, we're in for something special.⸻Learn more about White Knight Labs: Guests:John Stigerwalt | Founder at White Knight Labs | Red Team Operations Leader | https://www.linkedin.com/in/john-stigerwalt-90a9b4110/Greg Hatcher | Founder at White Knight Labs | SOF veteran | Red Team | https://www.linkedin.com/in/gregoryhatcher2/White Knight Labs Website | https://itspm.ag/white-knight-labs-vukr______________________Keywords: penetration testing, red team, ransomware simulation, offensive security, EDR bypass, cybersecurity training, White Knight Labs, advanced persistent threat, cybersecurity startup, DEF CON training, security partnerships, cybersecurity services______________________ResourcesVisit the White Knight Labs Website to learn more: https://itspm.ag/white-knight-labs-vukrLearn more and catch more stories from White Knight Labs on ITSPmagazine: https://www.itspmagazine.com/directory/white-knight-labsLearn more about ITSPmagazine Brand Story Podcasts: https://www.itspmagazine.com/purchase-programsNewsletter Archive: https://www.linkedin.com/newsletters/tune-into-the-latest-podcasts-7109347022809309184/Business Newsletter Signup: https://www.itspmagazine.com/itspmagazine-business-updates-sign-upAre you interested in telling your story?https://www.itspmagazine.com/telling-your-story

In this episode, The Annuity Man discussed:  Should you purchase I Bonds?  Treasuries are as safe as it gets  Five places to put your money  Inflation is personal    Key Takeaways:  Purchasing I Bonds is a no-brainer. Go to treasurydirect.gov to buy direct from the treasury I Bonds.  Treasuries are as safe as it gets because they can tax us and confiscate our money to pay them off, and that would happen if we needed to do that. The downside to I Bonds is that they don't allow you to put as much money in them.  There are only five legitimate places to put your money that protects the principal and that you're not going to lose a dime, and you're going to get an interest rate. Those five are money markets, CDs, fixed-rate annuities - also called MYGAs, treasuries, and Triple A-Triple A insured municipal bonds. Inflation is personal. Don't get too caught up on inflation because most people in retirement will not be affected that much by it. Ask yourself if you're being affected by it, or are you overplanning?    "If it's a no-brainer, then it's a no-brainer, and I-Bonds are the ultimate no-brainer. You can do it every year, so why not put it on your calendar and do it every year? It just 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! 

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.

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!

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)

**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

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