Podcasts about manuals

Tired of annuity hype, bonuses, and rosy projections? In this episode, Stan The Annuity Man breaks down the three phases of income rider taxation and shows why the real value of annuities doesn't show up until your account hits zero.   In this episode, The Annuity Man discussed:  Contractual guarantees vs. hypothetical projections What income riders are and how they work The three phases of income rider taxation Solving for longevity risk and building an income floor How to evaluate annuities and run income rider quotes   Key Takeaways:  Annuities should be purchased for their contractual guarantees, not for hypothetical growth stories or back-tested projections. Income riders attached to indexed annuities are designed to deliver lifetime income, and the focus should remain on the income rider, not the index side. The taxation of income riders moves through three stages—gains, principal, then the insurer's money—each with different tax implications. The true power of lifetime income products only appears after the account value hits zero, when the insurance company is still obligated to keep paying. Using annuities to create an income floor can reduce the fear of outliving your money and help you invest more confidently with the rest of your portfolio.   "When you buy an annuity, you're going to get a policy. That policy is a contract from a life insurance company that issues the annuity. So buy it for the contractual guarantees. Don't buy it for the dream." —  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!

Could Porsche Build a Hypercar on the Audi Nuvolari Platform? Have you seen this thing? It actually looks pretty good. One automotive outlet floated the idea that Porsche could build a hypercar off the Audi Nuvolari chassis, and on paper it makes sense. They're all under the VAG umbrella, so "borrowing" a platform would save Porsche a ton of money versus developing one from scratch. But here's the thing, if Porsche actually goes this route, no matter how good the final car looks, it's a letdown. Porsche is an elite brand. You build your own hypercar, you always have. The day they step away from that is the day it shows they're really hurting, and it would all but confirm they're in panic mode. We hope this one stays a rumor. 100 GT3 Bergsport, Europe Only. We're Not So Sure The story going around is 100 units of the GT3 Bergsport, Europe only, and the American market is reportedly furious about it. We're not convinced this is the final word. We're still firm believers this thing is a tribute to the '73 RS, and we think it's going to make its way to the US looking a lot like that car. Calling it now, we hear things. Curious what you all think about the Euro only angle, though. Manuals, Hybrids, and Reading Between the Lines Porsche announced they'll keep building manual transmissions for as long as they're allowed to. Sounds nice, but really it's Porsche getting ahead of the story. If manuals do go away down the road, they've already set it up so it's not on them, it's regulations. The real news buried in there is that Porsche confirmed they have no plans to pair a manual gearbox with a hybrid drivetrain. So connect the dots. Any future Porsche announced with a hybrid powertrain, you can bank on no manual option coming with it. Rally Season Is Here Time to get the cars ready. Our own rally is right around the corner, Targa Carolina is right around the corner, and we've got Luft wedged in between the two. If you're at Luft, come find us and say hello. We'd love to talk cars with you. We always enjoy chatting with you all, so if you see us out there, please come say what's up. Outro Kimchi Crew: Steve, Leslie, Chris, Ken, Aaron, Matthew, Sean, and Nik.

In this solo episode, Stan The Annuity Man breaks down how to buy annuities the right way and why his no-data, real-time quote platform is changing the industry.   In this episode, The Annuity Man discusses:  Annuities as contractual guarantees, not hypothetical growth The "annuity life coach" and "annuity oncologist" mindset Anonymous, real-time quoting for SPIAs, DIAs, MYGAs, QLACs, and Income Riders Professional boundaries and no-pressure, no-outbound model Direct-to-consumer mission and cleaning up annuity industry "charlatans"   Key Takeaways:  Annuities should only be purchased for what they are contractually guaranteed to do, not for hypothetical or illustrated returns. A truly client-focused advisor is willing to say "you're putting too much into this annuity" or "you might not need this product right now." Providing real-time, anonymous quotes empowers consumers to explore annuity options without fear of being chased by salespeople. Financial advisors should maintain professional distance rather than trying to be friends, golfing buddies, or entertainers. Transforming the annuity industry requires radical transparency, direct-to-consumer access, and a zero-tolerance stance on misleading, high-pressure sales tactics.   "You don't need a friend. You don't need a golfing buddy, and you don't need a meal purchased for you. You need someone telling you the truth." —  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!

Brad Thompson, a full-time RVer from Oregon, joins us on the show to share his journey on the road, his favorite places to explore and camp and the RV maintenance problem that inspired his big idea.An RV includes many systems and components, each with its own maintenance schedules, manuals, warranties, service records and quirks. For used RV owners, tracking down that information can be especially difficult. Even new RVs often come with a mountain of paperwork that can quickly become overwhelming.Brad created RV Keeper to help RV owners organize important information in one place and stay on top of maintenance. We discuss the inspiration behind the app, the challenges it is designed to solve, and how better organization can make RV ownership less stressful.This conversation also explores Brad's experience with full-time RV living, his favorite Oregon destinations and the lessons he has learned from spending so much time on the road.If you enjoy RV travel, camping, Oregon, full-time RV living or practical tools for becoming a more prepared RV owner, this episode is for you.Listen now and join us on the road.Send us Fan MailSupport the showSign up for our NewsletterPlease follow the show so you never miss an episode. We ask that you also kindly give the show a rating and a review as well.Learn more about RV Out West over on our website at www.rvoutwest.comJoin in on the conversation via social media:InstagramFacebookSUPPORT THE SHOWKeep RV Out West RollingPlease consider supporting the show with a monthly contribution. 

When an upfront annuity bonus looks too good to be true, it usually is—and the real cost can be buried in massive surrender charges and hollow promises. In this episode, you'll hear a blunt breakdown of the fixed index annuity bonus churning strategy and how to protect yourself from it.   In this episode, The Annuity Man discussed:  Dangers of upfront bonuses in fixed index annuities How bonus churning and flipping annuities harm consumers Surrender charges and predatory sales practices Why contractual guarantees matter more than hypothetical growth Practical steps to evaluate annuity offers and avoid scams   Key Takeaways:  Upfront bonuses on fixed index annuities are rarely "free money"; they're typically funded by giving up value somewhere else in the contract, such as lower income payouts. Moving from one annuity to another just to chase a bigger bonus often leads to large surrender charges and usually only benefits the agent through new commissions. Any annuity recommendation should be justified by clear, contractual improvements—not by hypothetical projections, marketing hype, or emotional persuasion. In most cases, it is better to use available penalty-free withdrawals than to accept a huge surrender charge just to enter a new "bonus" product. Annuities should be purchased for their contractual guarantees, not as growth vehicles, and any offer that sounds too good to be true almost always is.   "Most upfront bonuses go to the income account, not the walkaway account. Income account's monopoly 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!

Christian; Follower of GOD Servant of CHRIST       Patreon https://bit.ly/3jcLDuZBio:Combat Veteran; U.S. Marine Corps Urban Warfare Instructor;       S.R.T. Commander Active Shooter Response Team Law Enforcement Los Angeles Police (L.A.P.D.) Police Officer / Fugitive RecoveryF.B.I. Instructor N.R.A Instructor Competition Shooter; Multi Time State Rifle Pistol Champion Hunting; Life Long Hunter Professional Hunter and Guide Private Security Contractor; Several Agencies,  Current.Patreon https://bit.ly/3jcLDuZBecome a supporter of this podcast: https://www.spreaker.com/podcast/gunfighter-life-survival-guns-ammo-hunting-defense-tactics--4187306/support.Have a Blessed Day 

In this episode, Stan The Annuity Man pulls back the curtain on how annuity incentive trips can quietly distort recommendations—and how to protect yourself from funding your agent's next vacation. Discover why focusing on contractual guarantees, not sales gimmicks, is the only way to buy annuities on your terms.    In this episode, The Annuity Man discussed:  Incentive trips and conflicts of interest in annuity sales Fiduciary mindset and putting client interests first Why annuities should be evaluated by contractual guarantees only Using online tools to compare annuity carriers and rates anonymously The PILL framework and simplifying annuity decision-making   Key Takeaways:  Incentive trips create a powerful misalignment between what's best for the client and what's most lucrative for the agent, often steering people into the wrong annuity products. The only legitimate "agenda" in any annuity recommendation should be finding the highest contractual guarantees that match a client's goals and timeline. Acting like a fiduciary—putting the client's interests ahead of commissions and perks—should be the baseline standard for anyone selling financial products. Annuities are commodity products whose quotes change frequently, so broad claims about a single "best" product are misleading and potentially fraudulent. Consumers gain power when they can anonymously compare annuity options, focus on contractual guarantees, and ask just two key questions: what they want the money to do, and when those guarantees should start.   "You only ask two questions when considering annuity: What do you want the money to contractually do? When do you want those contractual guarantees to start?" —  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!

Employees hate to do what they think is a great job, only to be told it wasn't done right. Operating manuals provide them the rules of the game, showing them how to do things right the first time while helping them to rise through the ranks of the org chart. https://7powercontractor.com/book-off-hook/ Notice to listeners: The information in this book, along with the forms and structures provided, are meant to serve as a helpful reference guide for the plumbing, heating, cooling, electrical, and other contracting industries. The host of and contributors to this podcast take no responsibility for compliance with the laws or regulations that govern your specific business. The responsibility for making sure everything is compliant (among other things) is 100 percent yours. Before you implement any new information or forms, please check with your own trusted business advisers, including your own attorney, to make certain that the forms and the information you plan to implement will comply with all relevant laws, customs, and regulations.

Are you "surfing beside a cruise ship" in today's all‑time‑high stock market, hoping you don't get sucked under when the next downturn hits? In this solo episode, Stan the Annuity Man breaks down how to use annuities to lock in lifetime guarantees, build an income floor, and stop confusing a bull market with financial genius.   In this episode, The Annuity Man discussed:  Current stock market euphoria and AI-driven highs The "surfing beside a cruise ship" risk metaphor What annuities are actually good for (PILL framework) The annuity industry's monopoly on lifetime income Building an income floor and avoiding growth-focused annuity traps   Key Takeaways:  Markets at all‑time highs can feel effortless, but that "easy money" environment can quickly reverse, especially when driven by hype cycles like artificial intelligence. Annuities should be used to provide contractual guarantees—such as principal protection and lifetime income—not to chase stock market–like growth. Before buying any annuity, you should clearly define what you want the money to contractually do and when those guarantees must start. The real, underused power of annuities is their ability to provide guaranteed income for as long as you live, something no standard market product can replicate. Establishing a non‑market‑correlated income floor first allows you to ride market waves more confidently without panicking or selling at the worst possible time.   "If you buy them for growth, you're a fool. Annuities, never buy them for market growth. Go buy the market." —  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!

Real market growth never comes with surrender charges—and if it does, you're not really in the market. In this episode, Stan The Annuity Man tears apart "too good to be true" annuity pitches and shows you how to separate true contractual guarantees from sales hype.    In this episode, The Annuity Man discussed:  Real market growth vs surrender charges Proper role of annuities and contractual guarantees Index annuities and income riders as delivery systems The PILL framework for what annuities actually solve Anonymous quote tool and consumer-first annuity education   Key Takeaways:  Real stock market participation is defined by liquidity and full upside potential; once surrender charges are involved, you're no longer in a true market-growth vehicle. Annuities should be purchased strictly for their contractual guarantees, not for hypotheticals, illustrated returns, or sales-driven "dream" scenarios. Index annuities are most efficiently used as delivery systems for income rider guarantees rather than as primary growth products. The PILL framework—Principal protection, Income for life, Legacy, Long-term care—clarifies exactly what annuities are designed to solve, and growth is not on that list. Separating annuities for guarantees and non-annuities for growth helps investors build a clearer, more rational strategy without falling for upfront bonuses and marketing gimmicks.   "Real market growth has no surrender charges." —  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!

Retirement isn't the end of your story—it's Chapter Two, and it's all about stacking reliable income so you can actually live the life you've worked for. In this episode, you'll learn how to build a non‑market‑correlated income floor using annuities and other guarantees so you never outlive your paycheck.    In this episode, The Annuity Man discussed:  Defining "Chapter Two" and the three phases of retirement The concept of an income floor and non‑correlated income sources Why annuities have a monopoly on lifetime income (and why people still hate them) Using stacking income to address inflation and lifestyle upgrades Overcoming scarcity scars and actually spending in retirement   Key Takeaways:  Retirement ("chapter two") should be framed around lifestyle first and then reverse‑engineered into the income needed to support it. An effective income floor is built from non‑correlated sources that are not tied to stock market performance, giving stability regardless of market cycles. Annuities are the only financial product that can guarantee lifetime income as long as you're breathing, which makes them central to any stacking‑income strategy. Inflation is best addressed not by chasing a perfect product, but by layering additional guaranteed income as your lifestyle needs change. Many retirees need to confront their "scars of scarcity" and give themselves permission to spend, enjoy travel, and live well in chapter two instead of over‑prioritizing heirs.   "You need a non-correlated, non-market-attached income floor where you're stacking income, and you keep stacking income as you get older, and you use it, and you have fun with 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 solo episode, Stan, The Annuity Man, explains why trying to "time" annuities is a losing game—and how focusing on simple, contractual guarantees can transform your retirement income. If you've ever wondered whether to wait for better rates or turn on your income now, this breakdown will challenge your assumptions and put lifestyle back at the center of your planning.    In this episode, The Annuity Man discussed:  Why the "bell doesn't ring" at the top or bottom in markets or annuities MYGAs and locking in fair contractual guarantees Lifetime income products and life expectancy math Social Security timing and the cost of waiting Retirement lifestyle phases: go go, slow go, and no go   Key Takeaways:  Annuities should be purchased for what they are contractually guaranteed to do, not for hypothetical growth or back-tested projections. Trying to time interest rates or find a "sweet spot" for buying income products is futile because payouts are fundamentally driven by life expectancy math. Waiting for a higher future payment can backfire if you ignore all of the income you forgo in the meantime and the uncertainty of how long you'll live. Retirement planning works best when you first define what you want your money to do and when you want it to start doing it, then use the least amount of capital to lock in those guarantees. The real purpose of lifetime income is to support your lifestyle—especially in the "go-go" years—so you can enjoy your own money instead of just preserving it for others.   "Annuities are simple; they're math, they're 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!

AI can scrape the internet, but it can't customize your retirement or take responsibility for your annuity decisions. In this episode, Stan breaks down why you should never outsource your annuity strategy to ChatGPT—and what to do instead.   In this episode, The Annuity Man discussed:  AI vs. human advice in the annuity world Risks of relying on ChatGPT for annuity research Customizing annuity contractual guarantees How AI supports back-end operations in his business Vision for a tech-forward, pro-consumer annuity platform   Key Takeaways:  AI tools like ChatGPT can be helpful for general education, but they are inherently unreliable for annuity advice because they scrape both accurate and inaccurate information. Annuities are contractual guarantees that must be customized to each person's age, goals, and situation—something a generalized AI output cannot safely do. Technology and AI can massively improve operations like accounting, tracking, and database management, but they should complement, not replace, experienced human advisors. The annuity industry is often slow and resistant to change, yet a tech-embracing, pro-consumer approach can flip that model and better protect buyers from bad sales pitches. Access to an experienced, licensed professional who has worked thousands of cases is invaluable, especially in retirement planning where you "can't make a mistake."   "When AI scrapes information to create the information flow that they're giving back to you, they're scraping both good and bad, both truthful and non-truthful information." —  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!

Is the 2026 Volkswagen Jetta GLI the last great affordable sports sedan? On this week's episode, we debate whether Volkswagen's final manual-transmission sedan is destined to become a future classic—or if the DSG automatic is actually the better buy. We break down the GLI's turbocharged performance, handling, ride comfort, practicality, and why it may be one of the best cars left to learn stick shift. Plus, we answer audience questions about the best used manual cars for beginners and whether driving a stick can actually make teen drivers safer.   Join CR at https://CR.org/joinviaYT to access our comprehensive ratings for items you use every day. CR is a mission-driven, independent, nonprofit organization.     SHOW NOTES ----------------------------------- 0:00 - Intro 00:15 2026 Volkswagen Jetta GLI 02:01 Driving Experience 07:29 Performance, Handling, and Ride Quality 16:39 Comfort, Seats, and Interior Features 22:13 Manual vs. DSG Transmission Debate 26:50 Practicality and Interior Drawbacks 30:00 Would We Buy the Jetta GLI? 33:29 Questions #1: Where did Mike Quincy buy his classes? 36:25 Question #2: What is the best used manual transmission cars for teen drivers     ----------------------------------  Test Results: Volkswagen Jetta https://www.consumerreports.org/cars/volkswagen/jetta/2026/overview/?EXTKEY=YSOCIAL_YT   Who Makes the Most Reliable New Cars? https://www.consumerreports.org/cars/car-reliability-owner-satisfaction/who-makes-the-most-reliable-cars-a7824554938/?EXTKEY=YSOCIAL_YT   How Car Brands Stack Up on Repair Costs https://www.consumerreports.org/cars/car-maintenance/the-cost-of-car-ownership-a1854979198/?EXTKEY=YSOCIAL_YT   Which Brands Make the Best Cars? https://www.consumerreports.org/cars/cars-driving/which-car-brands-make-the-best-vehicles-a6159221985/?EXTKEY=YSOCIAL_YT   Best used cars under $20,000 for teens https://www.consumerreports.org/cars/teen-driving/best-cars-for-teens-a2115540753/?EXTKEY=YSOCIAL_YT    Car Distractions: How to Stay Focused While Driving https://www.consumerreports.org/cars/car-safety/car-distractions-how-to-stay-focused-while-driving-a1144545692/?EXTKEY=YSOCIAL_YT

Is the 2026 Volkswagen Jetta GLI the last great affordable sports sedan? On this week's episode, we debate whether Volkswagen's final manual-transmission sedan is destined to become a future classic—or if the DSG automatic is actually the better buy. We break down the GLI's turbocharged performance, handling, ride comfort, practicality, and why it may be one of the best cars left to learn stick shift. Plus, we answer audience questions about the best used manual cars for beginners and whether driving a stick can actually make teen drivers safer.   Join CR at https://CR.org/joinviaYT to access our comprehensive ratings for items you use every day. CR is a mission-driven, independent, nonprofit organization.     SHOW NOTES ----------------------------------- 0:00 - Intro 00:15 2026 Volkswagen Jetta GLI 02:01 Driving Experience 07:29 Performance, Handling, and Ride Quality 16:39 Comfort, Seats, and Interior Features 22:13 Manual vs. DSG Transmission Debate 26:50 Practicality and Interior Drawbacks 30:00 Would We Buy the Jetta GLI? 33:29 Questions #1: Where did Mike Quincy buy his classes? 36:25 Question #2: What is the best used manual transmission cars for teen drivers     ----------------------------------  Test Results: Volkswagen Jetta https://www.consumerreports.org/cars/volkswagen/jetta/2026/overview/?EXTKEY=YSOCIAL_YT   Who Makes the Most Reliable New Cars? https://www.consumerreports.org/cars/car-reliability-owner-satisfaction/who-makes-the-most-reliable-cars-a7824554938/?EXTKEY=YSOCIAL_YT   How Car Brands Stack Up on Repair Costs https://www.consumerreports.org/cars/car-maintenance/the-cost-of-car-ownership-a1854979198/?EXTKEY=YSOCIAL_YT   Which Brands Make the Best Cars? https://www.consumerreports.org/cars/cars-driving/which-car-brands-make-the-best-vehicles-a6159221985/?EXTKEY=YSOCIAL_YT   Best used cars under $20,000 for teens https://www.consumerreports.org/cars/teen-driving/best-cars-for-teens-a2115540753/?EXTKEY=YSOCIAL_YT    Car Distractions: How to Stay Focused While Driving https://www.consumerreports.org/cars/car-safety/car-distractions-how-to-stay-focused-while-driving-a1144545692/?EXTKEY=YSOCIAL_YT

Is the 2026 Volkswagen Jetta GLI the last great affordable sports sedan? On this week's episode, we debate whether Volkswagen's final manual-transmission sedan is destined to become a future classic—or if the DSG automatic is actually the better buy. We break down the GLI's turbocharged performance, handling, ride comfort, practicality, and why it may be one of the best cars left to learn stick shift. Plus, we answer audience questions about the best used manual cars for beginners and whether driving a stick can actually make teen drivers safer.   Join CR at https://CR.org/joinviaYT to access our comprehensive ratings for items you use every day. CR is a mission-driven, independent, nonprofit organization.     SHOW NOTES ----------------------------------- 0:00 - Intro 00:15 2026 Volkswagen Jetta GLI 02:01 Driving Experience 07:29 Performance, Handling, and Ride Quality 16:39 Comfort, Seats, and Interior Features 22:13 Manual vs. DSG Transmission Debate 26:50 Practicality and Interior Drawbacks 30:00 Would We Buy the Jetta GLI? 33:29 Questions #1: Where did Mike Quincy buy his classes? 36:25 Question #2: What is the best used manual transmission cars for teen drivers     ----------------------------------  Test Results: Volkswagen Jetta https://www.consumerreports.org/cars/volkswagen/jetta/2026/overview/?EXTKEY=YSOCIAL_YT   Who Makes the Most Reliable New Cars? https://www.consumerreports.org/cars/car-reliability-owner-satisfaction/who-makes-the-most-reliable-cars-a7824554938/?EXTKEY=YSOCIAL_YT   How Car Brands Stack Up on Repair Costs https://www.consumerreports.org/cars/car-maintenance/the-cost-of-car-ownership-a1854979198/?EXTKEY=YSOCIAL_YT   Which Brands Make the Best Cars? https://www.consumerreports.org/cars/cars-driving/which-car-brands-make-the-best-vehicles-a6159221985/?EXTKEY=YSOCIAL_YT   Best used cars under $20,000 for teens https://www.consumerreports.org/cars/teen-driving/best-cars-for-teens-a2115540753/?EXTKEY=YSOCIAL_YT    Car Distractions: How to Stay Focused While Driving https://www.consumerreports.org/cars/car-safety/car-distractions-how-to-stay-focused-while-driving-a1144545692/?EXTKEY=YSOCIAL_YT

Multi-year guarantee annuities (MYGAs) might be the most overlooked "bond alternative" in your retirement plan. In this episode, you'll hear a Wall Street bond veteran break down why MYGAs behave like annuity bonds, how he personally uses them, and why guarantees—not hope—should be paying your bills.    In this episode, The Annuity Man discussed:  Background in Wall Street bond management What MYGAs are and how they compare to CDs and bonds Personal portfolio strategy using MYGAs as "annuity bonds" Tax deferral, rollovers, and legacy considerations with MYGAs Why guarantees matter more than categories in retirement planning Distinction between MYGAs and indexed/variable annuities   Key Takeaways:  Multi-year guarantee annuities function like the annuity industry's version of CDs, offering a fixed rate for a specific term with no fluctuation in account value. Treating MYGAs as "annuity bonds" can provide bond-like coupons and high-quality guarantees without market volatility. Tax-deferred growth and non-taxable rollovers between MYGAs allow interest to compound over long periods, creating a powerful accumulation engine. Investment decisions should focus less on product labels and more on the strength of contractual guarantees and the financial quality of the issuing company. Indexed and variable annuities do not qualify as "annuity bonds" because their returns are not guaranteed and rely on hypothetical or projected performance.   "Stop with obsessing over the category. Obsess over the guarantees." —  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

Most people have more than enough to live well in retirement—but still can't bring themselves to spend. In this episode, we unpack the "scars of scarcity" that keep you stuck in fear and show you how to finally enjoy the money you worked so hard to earn.    In this episode, The Annuity Man discussed:  Scarcity mindset and emotional money scars Early-career financial struggles and family stories Having enough money but still fearing spending "Buy the drink" as a philosophy for retirement Enjoying Chapter Two of life and overcoming guilt   Key Takeaways:  Early experiences of not having enough money can leave deep emotional scars that continue to shape financial decisions decades later. It's possible to be financially secure and still live as if you're one emergency away from disaster, simply because old scarcity patterns were never addressed. Retirement isn't just about preserving principal; it's about intentionally using your money to create experiences, memories, and quality of life. Giving yourself permission to "buy the drink" is a simple but powerful way to practice letting go of excessive frugality and embracing the present. You can't take your money with you, and waiting too long to enjoy it often means missing the most active, vibrant years of your life.   "My job… is to remind you that life is fleeting." —  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 of Shooting It Straight with Stan, Stan "The Annuity Man" breaks down his signature Annuity Man Trifecta and why annuities should be bought for contractual guarantees—not hypothetical dreams. Discover how he shops all carriers, screens for top-rated companies, and layers in his three decades of experience to protect your money and your peace of mind.    In this episode, The Annuity Man discussed:  Annuities as contractual, commodity products The PILL framework: Principal protection, income, legacy, long-term care The Annuity Man Trifecta: highest number, ratings, recommendation Evaluating carriers on both financial strength and administration Work ethic, team structure, and mission to "clean up" the annuity space   Key Takeaways:  Annuities should be purchased for what they are contractually guaranteed to do, not for speculative growth or hypothetical back-tested returns. The core problems annuities are designed to solve can be summarized as principal protection, lifetime income, legacy planning, and long-term care, and any use outside of these should raise red flags. Focusing solely on illustrations and projected returns leaves investors vulnerable to sales-driven hype instead of reality-based planning grounded in guarantees. A truly client-focused annuity process involves shopping all carriers for the highest contractual guarantee, prioritizing financially strong companies, and applying experienced, independent judgment on which carriers to actually recommend. Operational competence—like the ability to process paperwork efficiently and handle client service—is just as critical as an insurance company's rating when it comes to protecting clients and delivering on annuity promises.   "You buy annuities for what they will do, not what they might do… Never, ever, ever buy them for growth." —  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!

Annuity companies are counting on you to forget about your MYGA so they can quietly roll it into a low-paying renewal. In this episode, Stan The Annuity Man breaks down how the auto-renewal game really works—and exactly what you should do instead to lock in the highest contractual guarantees.    In this episode, The Annuity Man discussed:  What a MYGA is and how it functions like a CD How auto-renewal works with MYGAs Why renewal rates are often uncompetitive by design Using an agent of record to avoid bad auto-renewals Shopping for the highest-paying MYGA or SPIA at maturity   Key Takeaways:  Multi-year guarantee annuities operate much like CDs, but with the advantage of tax-deferred compounding when using non-qualified money. Auto-renewal rates on MYGAs are historically poor and are rarely competitive with rates available in the broader marketplace at maturity. Annuity companies benefit when contracts quietly roll over at low rates, especially when original agents leave the business and no one is actively servicing the account. Proactively working with a dedicated team to track maturity dates helps ensure policies are shopped at renewal and transferred to better-paying MYGAs or SPIAs without triggering taxes. Treat annuities strictly as contractual tools—focus on the highest guaranteed terms available rather than vague possibilities or marketing promises.   "Historically, the auto renewal rates are horrible." —  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!

Discover why annuity income riders are designed to keep you "stuck" with your carrier—and why that isn't always a bad thing if you understand the contractual guarantees. This episode cuts through the sales hype to explain the real math, the "monopoly money" side of riders, and how to decide whether to stay or move your annuity.    In this episode, The Annuity Man discussed:  Four primary ways to guarantee lifetime income Income riders vs. indexed annuity accumulation value The "monopoly money" nature of income benefit values How annuity companies design product "stickiness" When you should stay put and just turn on the income   Key Takeaways:  Lifetime income planning should be grounded in contractual guarantees, not hypothetical projections or sales-driven illustrations. Income riders often produce a higher "benefit value" than the actual cash value, creating a deliberate disparity that makes annuities hard to leave. The income rider value is typically not transferable, cashable, or available for partial withdrawals; its main purpose is to price and pay a lifetime income stream. Because rider fees are taken from the real money side for the life of the policy, carriers are heavily incentivized to keep policyholders from moving their contracts. In many situations, the most rational move is to stay with the current annuity and simply turn on the income stream, rather than chasing bonuses or "better" products.   "The income rider side is monopoly 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!

Jase Dussia returns to Skybound RC for his third appearance on the podcast.Over the years, Jase has built a reputation as one of the top aerobatic pilots in the hobby, but since our last conversation, he's taken on an entirely new challenge: launching his own aircraft company, Apex Aerotech.In this episode, we dive into the journey from sponsored pilot to business owner, what it takes to design and manufacture RC airplanes, the challenges of building a new brand, and the philosophy behind the growing Apex lineup.Whether you're interested in RC aerobatics, aircraft design, or the business side of the hobby, this conversation offers a fascinating behind-the-scenes look at one of the fastest-growing brands in RC aviation.00:00 Introduction00:43 Apex Aerotech Today01:58 From Team Pilot to Company Owner04:29 Lessons from JTA Innovations07:20 Life as an RC Company Owner10:27 The Birth of Apex Aerotech13:16 Biggest Surprises So Far15:06 Tariffs, Shipping & Industry Challenges16:24 How New Airplanes Are Developed20:57 The Challenge of Prototype Development23:08 Apex Design Philosophy26:25 Designing for Beginners and Experts29:40 Why a 60" Slick?33:39 The 102" Slick34:49 The New 82" Laser41:13 Inside the 116" Laser45:11 What Makes the 116" Laser Different?48:49 DA-180 vs DA-20051:23 Can the 116" Laser Compete in IMAC?54:35 Customer Experience, Manuals & Support58:00 Tucson Aerobatic Shootout 202601:00:26 Flying With More Pressure as an Owner01:04:09 The Future of Apex Aerotech01:06:21 Closing ThoughtsConnect with Apex Aerotech:https://apexaerotech.com#RCAirplanes #ApexAerotech #JaseDussia #Aerobatics #RCFlying #IMAC #3DFlight #SkyboundRC

Learn why locking yourself into irreversible annuity payments isn't the only way to secure lifetime income. In this episode, you'll hear how non-annuitized income riders can give you contractual guarantees and the flexibility to turn income on and off when life or tax laws change.    In this episode, The Annuity Man discussed:  Annuitization explained and "water faucet" analogy Single premium immediate annuities, DIAs, and QLACs Income riders as flexible, non-annuitized lifetime income Turning income on/off and adjusting start dates Importance of A+ rated carriers and avoiding low-rated "high quote" products   Key Takeaways:  Annuitization creates an irrevocable income stream—once it's turned on, the payments keep flowing for life or the contract period, like ripping the knob off a water faucet. Income riders provide a contractual path to lifetime income while allowing you to maintain control over the asset and the timing of your payments. The best income riders are "drawdown" products, where each lifetime payment is simply subtracted from the policy rather than locking you into a traditional annuitization. Lifetime income levels are driven primarily by life expectancy at the time you start payments; interest rates play only a minor role. It's critical to use strong, A+ or better carriers for income riders because they are not backed by state guarantee funds, even if a lower-rated company offers a higher quote.   "We use the indexed annuity as a delivery system for the income rider, but the best income riders are not annuitization 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! 

Confused about how annuities work inside IRAs, Roths, and non-qualified accounts? In this episode, Stan the Annuity Man breaks down why annuity contractual guarantees never change with account type—and why using annuities for growth is a big mistake.   In this episode, The Annuity Man discussed:  Annuity contractual guarantees vs. account types Using traditional IRAs for annuity income strategies Roth IRAs, tax-free income, and where growth should live Non-qualified (cash) accounts and entrepreneur realities Common annuity misconceptions and industry messaging   Key Takeaways:  The contractual guarantees of an annuity are identical regardless of whether it's held in a traditional IRA, Roth IRA, or non-qualified account; only the taxation of distributions changes. Qualified Longevity Annuity Contracts (QLACs) are strictly for traditional IRA-type accounts and can help with required minimum distribution (RMD) planning and pension-style income. Roth IRAs are often best reserved for true growth assets, but they can still be used to create tax-free lifetime income streams with certain annuity products. Many entrepreneurs end up using non-qualified cash for annuities because their capital is tied up in their businesses rather than in retirement plans. Annuities should be purchased solely for their contractual guarantees—such as principal protection and lifetime income—not for market returns or speculative growth.   "Contractual guarantees don't change regardless of the type of account that you use." —  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!

Host: Lalo Solorzano Guest(s): Denise Published: June 23, 2026 Length: 19:24 Presented by: Global Training Center Summary Trade compliance manuals and SOPs may not be the flashiest part of an import/export program, but they are among the most important. In this episode of Simply Trade Tips, Lalo Solorzano sits down with Global Training Center instructor Denise to discuss why written procedures are essential for keeping trade compliance consistent, repeatable, and scalable. Denise explains that compliance does not live only in the compliance department. It touches purchasing, shipping, customs entries, finance, recordkeeping, screening, escalation, training, and more. When those processes are not documented, companies rely too heavily on memory, tribal knowledge, and “the way we've always done it.” That creates risk when employees leave, roles change, products expand, or regulations shift. This episode breaks down the difference between a compliance manual and an SOP, what each should include, and where companies should start if they do not already have a formal program in place. The key message: SOPs are not just paperwork. They are the operating system that helps a trade compliance program run with control, clarity, and confidence. Main Topic / Discussion This episode focuses on how companies can build stronger trade compliance programs by documenting their processes through compliance manuals and standard operating procedures. Denise explains that a compliance manual is the big-picture document. It outlines the company's overall approach to trade compliance, identifies responsibilities, explains key risks, and describes how import and export issues are handled. SOPs, on the other hand, are the step-by-step instructions for specific tasks such as product classification, restricted party screening, export reviews, import entry audits, recordkeeping, escalation, and corrective actions. The conversation emphasizes that SOPs should be practical, clear, and specific enough for a new employee or backup team member to follow without guessing. The episode also highlights why the people doing the day-to-day work should be involved in creating these procedures, since real-world input makes the documentation usable rather than theoretical. Key Takeaways • Trade compliance touches many departments, not just the compliance team. • Undocumented processes create weak points, especially when employees leave or roles change. • A compliance manual provides the big-picture map of the company's trade compliance program. • SOPs provide the detailed step-by-step directions for specific compliance tasks. • Companies should start by documenting their highest-risk areas first, such as classification, screening, licensing, recordkeeping, entry reviews, and audits. • SOPs should include ownership, triggers, steps, required records, exception handling, escalation paths, systems, references, and revision history. • Written procedures make training easier, audits smoother, and compliance more consistent. • Strong documentation helps leadership see where risks exist and gives the program room to scale. Resources & Mentions • Global Training Center • Import Compliance Training • Export Compliance Training • Trade Compliance Seminars Credits Host: Lalo Solorzano – LinkedIn Guest(s): Denise Smalls Altagracia – LinkedIn Producer: Lalo Solorzano

We are back with Joe Finkel from FCP Euro! In this episode, we tackle a brilliant factory suspension "cheat code" for water-cooled Porsches, bring you boots-on-the-ground stories from Porsche Parade, and discuss the absolute baller move of street-parking a $2M Porsche 959 in a rainstorm.But first... Derek has to confess his sins. After preaching the gospel of DIY wrenching, a nightmare of rusted exhaust manifold hardware and a crazy schedule forced him to do the unthinkable: he outsourced his Fister exhaust install and DT40 oil change.Once the guilt is cleared, Joe breaks down how Porsche silently updated older lower control arm blueprints to mirror modern 718 geometry—and how you can score this massive handling upgrade on a budget. We also debate the "500-HP cap" for usable street performance and name the #1 diagnostic tool every owner needs in their garage.

If you own a multi-year guarantee annuity (MYGA) or are thinking about buying one, this episode could save you from a costly mistake. Discover why annuitizing a MYGA internally is rarely in your best interest—and how a simple MYGA-to-SPIA strategy can unlock the highest contractual guarantees for your retirement income.    In this episode, The Annuity Man discussed:  Definition and purpose of a MYGA (multi-year guarantee annuity) Why internal annuitization quotes are usually uncompetitive The MYGA-to-SPIA strategy using a 1035 exchange Focusing on contractual guarantees over brands and brochures Using an independent quoting process across all carriers   Key Takeaways:  A MYGA is best used as a principal protection tool with a guaranteed interest rate, not as a product you annuitize internally for lifetime income. Internal annuitization quotes from MYGA and other deferred annuity carriers are typically uncompetitive compared to independently quoted single premium immediate annuities. A MYGA-to-SPIA approach—using a 1035 exchange to move from a matured MYGA into the highest paying immediate annuity—can help secure superior lifetime income guarantees. The smartest annuity decisions are made by focusing on contractual guarantees instead of company names, product labels, or glossy marketing materials. Relying on a broad, apples-to-apples quote across highly rated carriers helps avoid lazy or biased recommendations that may cost you long-term income.   "With annuities, you're buying it for the contractual guarantees. Period." —  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! 

There are no annuity roller coasters—only contractual guarantees. In this episode, Stan "The Annuity Man" breaks down why properly structured annuities should remove market drama from your retirement plan and how to avoid being taken for a ride by sales pitches.   In this episode, The Annuity Man discusses:  The "roller coaster" of expectations vs. actual contract terms Why contract-based annuities avoid market swings How MYGAs blend CD and bond benefits without volatility Using lifetime annuities for income and legacy planning Indexed vs. variable vs. RILA annuities: key differences How bonuses and illustrations can set unrealistic expectations   Key Takeaways:  Annuities issued by life insurance companies are contracts, and when you buy them for what they will do (not what they might do), you eliminate the emotional roller coaster of market volatility. Multi-year guaranteed annuities (MYGAs) act like the annuity industry's version of a CD or bond, but with an underlying value that does not fluctuate, making them attractive for the "go-go" years of retirement. Lifetime income annuities can be structured to provide a static monthly payment for life while ensuring that, if you die early, remaining value goes to your beneficiaries rather than the insurance company. Products like variable annuities and RILAs/buffer annuities often come with market exposure, moving parts, and hypothetical illustrations, which Stan rejects in favor of simple, contractual guarantees. The real "roller coaster" in the annuity world isn't the contracts—it's the sales pitches, including unrealistic bonus offers and performance promises that don't match what the contract is actually designed to do.   "There's no roller coasters with lifetime income with annuities. There's a contractual guarantees. Period." —  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! 

Hancock Public Health is getting set to launch a new program called Family Connects... Supporting families in the early weeks after bringing home a new baby (at 13:53) --- If you're looking for some good news in the category of money and finance, here you go - As the midpoint of 2026 approaches, many consumers continue to demonstrate strong credit performance even in challenging times... We have results of the latest TransUnion Consumer Pulse study (at 22:58) --- What's Happening: Details on upcoming programs and activities in the coming weeks at the Findlay Family YMCA (at 47:36)

Managing your retirement income doesn't mean you have to go all-in or rip the knob off the faucet on day one. In this episode, Stan the Annuity Man breaks down "keep your powder dry" annuity strategies that let you stay flexible, protect your principal, and decide on lifetime income when it actually makes sense.   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. 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..." —  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, I sit down with pediatrician and author Dr. Carole Keim to discuss what new parents need to know about caring for a newborn and supporting healthy child development. We explore common infant concerns, breastfeeding challenges, reflux, colic, screen time, developmental milestones, holistic pediatric care, and the importance of helping parents make informed healthcare decisions that are right for their families. - - - - - About the Guest: Dr. Carole Keim is a board-certified pediatrician, author, podcast host, and advocate for both conventional and complementary approaches to children's health. She is the author of The Baby Manual and Holistic Mama's Handbook, resources designed to help parents navigate common childhood concerns with confidence. Through her clinical work and educational content, Dr. Keim empowers families with practical information that supports healthy development, informed decision-making, and whole-child wellness. - - - - - Social Handles:  Website: https://www.carolekeim.com/ Instagram: https://www.instagram.com/drcarolekeim YouTube: https://www.youtube.com/@drcarolekeim Facebook: https://www.facebook.com/drcarolekeim LinkedIn: https://www.linkedin.com/in/drcarolekeimmd - - - - - Dr. Laura Hanson  Website: https://www.connectmybrain.com/ Instagram: https://www.instagram.com/connect.my.brain/ Facebook: https://www.facebook.com/connectmybrain YouTube: https://www.youtube.com/@dr.laurahanson4765 - - - - - PODCAST Thank you for listening. Please subscribe and share. This podcast is produced by DrTalks.com https://drtalks.com/podcast-service/

If you're in your 80s or 90s or caring for someone who is, this episode breaks down no-BS annuity strategies that actually make sense. Discover how to protect principal, strip out excessive fees, and set up simple, contractual income or legacy plans without getting sold a "whiz-bang" product.    In this episode, The Annuity Man discussed:  Annuity suitability for people in their 80s and 90s Why complex annuities (indexed, variable, RILAs) are often inappropriate Using 1035 transfers to move into MIGAs Designing legacy and income strategies with period-certain annuities Evaluating existing riders and avoiding bad sales practices   Key Takeaways:  At advanced ages, annuity planning should focus on principal protection and/or guaranteed income, not chasing hypothetical market upside. Variable and indexed annuities with high annual fees often need to be reevaluated and potentially moved into simpler, no-fee structures. A non-taxable 1035 transfer can reposition existing annuities into multi-year guaranteed annuities to lock in gains and eliminate market risk. Period-certain immediate annuities can extend income and spread out tax liability, even if the owner doesn't live through the full payment term. Before moving any contract, it's critical to analyze existing income and death-benefit riders to ensure valuable guarantees aren't left on the table.   "You've already won the game. Don't play anymore." —  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!

Why haven't annuities collapsed even when a carrier fails? In this episode, you'll learn how the "golden goose of annuity confidence" is protected behind the scenes—by state guarantee funds, big carriers, and a quiet "annuity mafia" that refuses to let the system break.   In this episode, The Annuity Man discusses:  State guarantee funds vs. FDIC The "golden goose of annuity confidence" Role of big carriers and the "annuity mafia" Demographic tidal wave of retiring boomers Private credit exposure and carrier selection strategy   Key Takeaways:  State guarantee funds exist as a backstop for fixed annuities, but wise carrier selection and strong financials matter more than simply staying under coverage limits. The true protection behind annuities is an industry-level commitment to maintain public confidence, with large carriers stepping in so weaker players don't poison the entire market. Annuities are fundamentally about transferring risk and contractually solving for principal protection, lifetime income, legacy, and long-term care. With tens of thousands of Americans turning 65 every day, demand for contractual guarantees is set to surge, especially when markets eventually experience a serious downturn. Despite concerns about private credit and complex balance sheets, disciplined advisors who focus on carrier quality and contractual guarantees can still confidently recommend annuities that back up their promises.   "We only look at the contractual guarantees of the policy." —  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, Stan "The Annuity Man" delivers a blunt, edutaining wake-up call about the realities of aging, why retirement is really "chapter two," and how to use annuities and intentional spending so you don't die with a pile of unspent money and a lifetime of regrets.    In this episode, The Annuity Man discussed:  Contractual drool cups and annuity diapers as a reality check Three phases of retirement: go-go, slow go, no go Core functions and questions behind annuity planning Learning to spend, enjoy life, and give money while alive Lifestyle, legacy, and peace-of-mind planning in chapter two   Key Takeaways:  Retirement should be viewed as "chapter two," a pivot away from accumulation and toward actually enjoying the life you've worked for. If you live long enough, you'll likely reach a "no-go" phase, so the goal is to make the most of your go-go and slow-go years instead of hoarding money you'll never spend. Annuities exist to solve specific contractual needs: principal protection, lifetime income, legacy, and long-term care.  Many people must actively retrain themselves to spend, travel, and enjoy life, especially if they grew up poor or hyper-focused on saving and tax avoidance. Gifting money and supporting family or causes while you're still alive can create more impact and joy than waiting to pass it on after you're gone.   "If you have never learned how to spend, teach yourself how to spend." —  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!

Looking for a way to protect your principal, skip the fees, and simply live off the interest? In this episode, Stan breaks down "peel and play" annuities and shows how multi-year guarantee annuities (MIGAs) offer simple, contractual returns without the complexity or risk of market-based products.    In this episode, The Annuity Man discussed:  Peel and play annuities concept and misconceptions How multi-year guarantee annuities (MIGAs) work Tax deferral advantages vs. CDs Building and managing a MIGA ladder strategy MIGAs for risk management and legacy planning   Key Takeaways:  Not all annuities are designed for lifetime income; some are built specifically for principal protection and simple interest withdrawal. Multi-year guarantee annuities function similarly to CDs but are issued by life insurance companies and offer guaranteed, contractual yields. Using MIGAs in non-qualified accounts allows interest to grow tax deferred and be rolled from contract to contract, effectively pushing the tax bill into the future. A laddered MIGA strategy can provide steady, predictable interest while keeping the original principal intact and available for future decisions. When the goal is "don't lose money" and "keep it simple," guaranteed products like MIGAs may be more aligned than complex, hypothetical, or bonus-driven indexed annuities.   "Warren Buffett had two rules. Rule number one: never lose money. Rule number two, never forget rule number one, he would love peel and play 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! 

When faith, trust, and money intersect, consumers can get hurt. In this episode, Stan the Annuity Man calls out prosperity gospel sales tactics, misused fiduciary labels, and explains how to protect yourself with contractual guarantees and a true second opinion.    In this episode, The Annuity Man discussed:  Definition and misuse of the "fiduciary" label Religion, churches, and faith-based annuity sales Prosperity gospel and financial product pitching Friends, family, and local agents selling limited annuity options The importance of second opinions and contractual guarantees   Key Takeaways:  A plaque on the wall or a fiduciary title is no substitute for genuinely putting a client's best interests first. Using church relationships or religious trust to sell annuities is a growing problem and can easily cross ethical lines. Consumers should be wary of buying complex products from friends, family, or small local circles that only offer one or two annuity types. Multi-level marketing and prosperity-focused messaging around annuities demand extra skepticism and independent verification. Treat major annuity decisions like a serious medical diagnosis; always seek a second opinion before committing significant retirement savings.   "Fiduciary means that you're putting the client's best interest ahead of the advisor." —  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!

Think annuities mean your money disappears when you die? In this episode, Stan The Annuity Man breaks down lifetime income backstops and shows how to structure annuities so every penny is guaranteed to go to your beneficiaries—not the "evil annuity company."   In this episode, The Annuity Man discussed:  Common misconceptions about lifetime income annuities Life-only annuities vs. annuities with backstops Single premium immediate annuities, deferred income annuities, and QLACs Cash refund, installment refund, and period certain structures Income riders on index and variable annuities as lifetime income solutions   Key Takeaways:  Many people, including financial professionals, misunderstand annuities and wrongly assume the money vanishes at death, when in reality, there are numerous ways to protect beneficiaries. Life-only structures deliver the highest lifetime income but intentionally accept the risk that no money may remain for heirs if death occurs early. Cash refund and installment refund backstops ensure that every unused dollar of premium ultimately goes to beneficiaries rather than being retained by the annuity company. Periodic certain options are generally less efficient, because they simply guarantee a minimum payout period rather than maximizing long-term protection and benefits for heirs. Income riders attached to index or variable annuities focus on the contractual income guarantee, with the underlying annuity acting as the death benefit backstop, often providing strong lifetime income solutions.   "We only look at the contractual guarantees of the policy. We only own it 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!

Learn more about Refrigeration Mentor Customized Technical Training Programs at www.refrigerationmentor.com/courses Join the Refrigeration Mentor Hub here In this episode, we're returning to refrigeration fundamentals and breaking down the foundations - compressor, condenser, metering device, evaporator, and refrigerant flow. We cover key checks like suction/discharge behavior, condenser air and pipe temperatures, subcooling, fan operation, TXV function, and calculating superheat to prevent liquid or wet gas returning to the compressor. This episode also includes practical tips from the field, including smarter ways to handle oil checks, condenser coil cleaning techniques, and the importance of reading manuals. It's not all about the high level stuff - mastering the basics is truly the key to building confident refrigeration techs and stronger, less stressed service teams. In this episode, we discuss: (00:48) Refrigeration Basics (01:26) Compressor Fundamentals (03:11) Condenser Temps and Subcooling (04:27) Metering Devices and Superheat (09:08) Field Basics Gauges Oil and Coils (11:33) Manuals and System Checks (13:12) TXV Troubleshooting Steps Helpful Links & Resources: Episode 37. Refrigeration Fundamentals and Troubleshooting Training w/ HVAC Know It All Episode 299. Basic Refrigeration 101 Episode 5. CO2 Refrigeration Fundamentals with James Bailey

What if you treated every dollar as a "fun coupon" instead of something to hoard and stress over? In this episode, Stan The Annuity Man lays out how annuities can create guaranteed income, break the scarcity mindset, and give you permission to finally enjoy Chapter Two of your life.   In this episode, The Annuity Man discusses:  Money as "fun coupons" and winning the game Core purposes of annuities and principal protection Taxes, rich mindsets, and not over-optimizing Scarcity scars, personal hardship, and financial trauma Using guaranteed income to actually enjoy life in Chapter Two   Key Takeaways:  Money is most powerful when it's treated as a tool for enjoyment and experiences, not just accumulation. Annuities are primarily designed for principal protection and lifetime income, creating predictable "fun coupons" you can actually spend. Obsessing over taxes, markets, and spreadsheets often prevents people who have already "won the game" from enjoying their lives. A scarcity mindset rooted in past financial hardship can trap even very wealthy people in fear, unless they consciously choose to spend and live. Building an income floor with guarantees (like annuities, Social Security, pensions, and RMDs) can free you to focus on lifestyle, relationships, and Chapter Two of life.   "Money is nothing more than fun coupons." —  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!

Discover why annuitization has quietly powered lifetime income for over 200 years—and why it's poised to "sweep the nation" as more Americans hit retirement age. In this episode, you'll hear a no-fluff breakdown of how annuities really work, how they compare to Social Security, and how to secure chapter two of your life with guaranteed income.   In this episode, The Annuity Man discussed:  Historical roots of annuities and annuitization Annuitization as lifetime income and its connection to Social Security Impact of AI, medical advances, and longevity on annuity payouts Common misconceptions about annuities and beneficiary protections Structuring lifetime income in retirement and the future of annuitization   Key Takeaways:  Annuitization is fundamentally about turning a lump sum into a guaranteed stream of payments, often for life, and has been relied on for centuries. Social Security is effectively the most widely owned annuitization product, proving that many people already value lifetime income even if they claim to "hate annuities." As life expectancies increase due to medical and technological advances, annuity payouts are projected to stretch over longer periods, changing how benefits are priced and structured. Properly structured annuities don't simply "keep your money when you die"; in most modern designs, any unused value passes on to your beneficiaries. For the second chapter of life, guaranteed income and an income floor can matter more than chasing market returns, speculation, or complex investment fads.   "Lifetime Income is a pension - a transfer of longevity risk. Annuitization has been embraced by this nation for a very, very, very long 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! 

Ever wondered what really happens when companies offer to "buy your life insurance policy" or your annuity payments? In this episode, Stan "The Annuity Man" pulls back the curtain on life insurance death bonds, secondary market annuities, and the ethical gray areas you need to understand before you cash out.    In this episode, The Annuity Man discussed:  Life insurance death bonds explained How companies buy life insurance policies and death benefits 1035 exchanges and moving life insurance cash value into annuities Secondary market annuities, structured settlements, and legal pitfalls Tax treatment differences and the PILL framework for evaluating annuities   Key Takeaways:  There's an active market where companies buy the rights to life insurance death benefits, paying policyholders a lump sum today and then waiting to collect the tax-free payout when they die. A 1035 exchange allows you to move cash value from life insurance into an annuity without triggering taxes, but you must understand that tapping that cash value as a "loan" is not the same thing as tax-free income. The secondary market for annuities and structured settlements has seen significant ethical and regulatory concerns, so anyone considering selling those income streams should proceed with caution. Life insurance death benefits are tax-free and probate-free to beneficiaries, but annuity death benefits issued by the same life insurance companies do not receive the same tax treatment. Before buying an annuity, you should clearly define what you want your money to do contractually and when you want those guarantees to start; only then can you determine if an annuity fits your needs under the PILL framework.   "Life insurance is the best return on investment you'll never see because you're dead." —  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!

Do you feel like you need a parenting guide for the real world? You know one that isn't full of ideas that no one will use, but a practical guide from parents who have done this thing well. Real world parenting isn't Instagram or Pinterest perfect. It is one giant learning curve with no checkpoints, cheat codes, and no refunds. But it is the greatest thing you will ever do. Kids don't come with a parenting guide, but we can learn from those who are further ahead of us.  Parenting can feel like you are making decisions on the fly. It is mismatched socks, questionable stains, and hiding in the pantry to eat your breakfast because you just want one morning without anyone asking for your food. Yet, even in these hectic times you're showing up, adjusting, and figuring it out as you go. And that's exactly what this parenting guide is here to help you do. This is your official permission slip to ditch the idea of being perfect and embrace the real life, boots-on-the-ground version of parenting.Show notes and links: https://lifeunboxed.blog/parenting-guide/ Grab your guide today! The Momtrepreneur's Guide to Homeschool Curriculum: https://lifeunboxed.blog/homeschool-curriculum/ RESOURCES MENTIONED IN THE SHOW:Are You a Happy Mom? https://youtu.be/U45zF-URxM4Parent Guide to the Hardest Stage of Parenting https://youtu.be/kyJasL4ZhDE4 Parenting Tips for Mompreneurs https://youtu.be/6iYMNqGkExsCreate a Morning Routine to Chaos Proof Your Day https://youtu.be/cXD66yiM3vw Journals and Notebooks for Mom + Homeschool Resources: https://www.amazon.com/stores/Jodie-the-Mom/author/B097RQRRQ1 ~~~ MOMS RUN ON COFFEE. BUY JODIE THE MOM ONE.https://ko-fi.com/lifeunboxedblog ABOUT JODIE THE MOM:To learn more about Jodie, please visit: https://lifeunboxed.blog/about-the-mom-work-from-home-mom/ To learn more about Life Unboxed blog, visit: https://lifeunboxed.blog/about-the-blog-working-from-home-with-kids/ FOLLOW JODIE:Website: https://lifeunboxed.blog/Business: https://www.jodierperry.com/Pinterest: https://www.pinterest.com/LifeUnboxedFacebook: https://www.facebook.com/LifeunboxedblogInstagram: https://www.instagram.com/lifeunboxedblog/Rumble: https://rumble.com/c/c-647543YouTube: https://www.youtube.com/@lifeunboxedblog Music for the intro/outro is Like it Hot by Tenoaxehttp://teknoaxe.com/Link_Code_3.php?q=1579 Disclaimer: This video and description contain affiliate links. If you purchase using one of these links, I make a small commission at no additional cost to you. This helps me keeps things free for you, and who doesn't love free stuff.Support the show

Is the IRS living in your head rent-free? Stan the Annuity Man breaks down why tax obsession might be costing you more joy than dollars and what to focus on instead. In this episode, The Annuity Man discussed:  Obsession with taxes and IRS rules Future tax rates, national debt, and policy uncertainty Roth conversions, rule changes, and break-even analysis QLACs, annuities, and tax-related product decisions Scars of scarcity, spending in retirement, and enjoying life now   Key Takeaways:  Letting tax fears dictate every financial and lifestyle decision can rob you of the very life you saved and invested for. Tax rates are likely to rise over time, and no individual can control that reality—what you can control is how you structure guarantees and how fully you live your life. Converting to Roths or buying tax-favored products without running the real break-even numbers is a mistake; decisions should be grounded in math, not fear. Many people carry "scars of scarcity," continuing to live like they're broke long after they've financially "won the game," and their spouses or families may be quietly suffering for it. True tax planning should come from qualified professionals like CPAs, CFPs, or tax attorneys, not from product salespeople stretching beyond their legal and professional lane.   "Don't let the IRS live in your head rent-free." —  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!

What happens to annuity payouts when AI and medical breakthroughs start pushing life expectancy through the roof? In this episode, Stan reveals why current life expectancy tables are a one-time bargain and how to use them to your advantage. In this episode, The Annuity Man discussed:  Carpe Annuity Diem and seizing today's annuity opportunities Impact of AI and medical breakthroughs on life expectancy tables Building an income floor with Social Security, RMDs, and annuities Joint lifetime income for spouses and real-life lifestyle examples Mindset shift from accumulating money to spending and enjoying it   Key Takeaways:  Advances in AI and medical breakthroughs like GLP‑1 drugs are likely to extend lifespans, which will eventually reduce payout levels on new lifetime income products, making today's life expectancy tables unusually attractive. Locking in guaranteed lifetime income now—through SPIAs, DIAs, QLACs, and income riders—can secure favorable payout rates before tables are adjusted for longer life expectancy. Social Security and required minimum distributions function as annuity-like income streams, and combining them with actual annuities creates a dependable income floor. Structuring annuities on a joint-life basis is a way of honoring a spouse who has "put up with you for years," ensuring they're financially secure and free to live well if they outlive you. Winning the financial game isn't just about accumulating assets; it's about learning to spend, travel, upgrade your lifestyle, and enjoy your money while you're healthy—before your beneficiaries are the ones flying first class.   "Carpe annuity dang diem really comes down to life expectancy. Tables are in your favor right now. You might want to shop for that right now, son." —  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 spent most of your driving life shifting gears, you may have no choice but to get used to automatics in the future; for the first time ever, the majority of available used cars are now automatics.Joining Seán to discuss is Paddy Comyn, Head of Automotive Content and Communications with Done Deal Cars.

Send us Fan MailUnlock the secrets to a well-oiled private practice with Brandon Seigel in this insightful episode of the Private Practice Survival Guide. Discover why an employee operations manual is indispensable, not just for you, but for your entire team. Learn actionable strategies for creating a dynamic, effective operations manual that ensures smooth transitions and sustained productivity, even when key team members depart. Dive into innovative approaches to documentation, training, and hiring that will transform your practice's efficiency and foster a culture of accountability.What You'll Learn:The true purpose of an employee operations manual: empowering your team and preventing chaos.How to build your operations manual using 30-day sprints and the "document what you just did" method.Strategies for incorporating videos, checklists, quizzes, and practical application into your training.The "new hire test" to evaluate the effectiveness of your documentation.Implementing tiered documentation: one-pagers, SOPs, and video walkthroughs.Integrating job skills-based assessments into your hiring process.Setting clear expectations and fostering accountability within your team.The importance of continuous review and updating of your operations manual.Don't let an undocumented process become a liability. Start building your practice's resilience today! #PracticeManagement #OperationsManual #PrivatePractice #EmployeeTraining #BusinessStrategyWelcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide BookThis show is proudly produced at PS Studios — learn more https://www.psstudios.co

Brought to you by TogetherLetters & Edgewise!In this episode: AI Models & Big MoneyAnthropic Is Testing 'Mythos,' Its Most Powerful AI Model YetAnthropic Leaked 500,000 Lines of Its Own Source CodeOpenAI Raises Record $122B at $852B ValuationGoogle Employees Have a New AI Tool Called 'Agent Smith'Meta Is Running Intensive AI Training Weeks for EmployeesAI Policy & National SecurityTrump Administration Unveils National AI Policy FrameworkSuper Micro Computer Co-Founder Charged With Diverting $2.5B in Nvidia AI Chips to ChinaPhiladelphia Courts Will Ban All Smart EyeglassesAI and Bots Have Officially Taken Over the InternetTech & InnovationFannie Mae to Accept Crypto-Backed Mortgages for the First TimeOrder Sunlight Whenever and Wherever You Want on DemandHumanoid Robotics Maker Sunday Reaches $1.15B ValuationWeird and WackyA Man Used AI to Call 3,000 Irish Bartenders to Track the Cost of GuinnessYouTuber Resolves Fraternal Disagreement With Excavator and Hilariously Large SwordHigh-Tech Olaf Animatronic Collapses Mid-Performance at Disneyland ParisApril Fool's 2026: The Most Ridiculous Tech Pranks of the YearTech Rec:Sanjay - ParachordAdam - CoPilot budgeting app

What if the stress you're feeling with clients or your team isn't actually about what they're doing, but about what you expect them to do without ever saying it? In this episode, I introduce the concept of manuals, those unwritten operating rules you have for other people, and how they quietly create frustration, miscommunication, and emotional friction in your interior design business.       I walk you through what manuals are, how to spot them, and why they lead to disappointment when they go unspoken. You'll learn how these hidden expectations show up in your relationships with clients, team members, and partners, and why relying on others to meet them keeps you stuck in frustration. I also share a simple exercise to help you identify your own manuals and begin releasing the ones that are no longer serving you.       Get full show notes, transcript, and more information here: https://www.desicreswell.com/167        If you love what you're learning on the show, and want to learn how I can support you, click here to learn more about coaching: https://desicreswell.com/coaching        Sign up for my Monday Mindset email list to get bite-sized insights on topics that you can use to set your week up for success: https://www.desicreswell.com/monday-mindset     Follow along or send me a message on Instagram: https://www.instagram.com/desicreswell/

Whole Earth Catalog creator Stewart Brand discusses maintaining complex systems, the importance of stewardship, and how technological optimism shapes the future.

14. Guest: Jessica Winkle Headline: Bias and Conflict of Interest in Climate Science Manuals Summary: Professor Jessica Winkle details controversy surrounding the federal judicial manual's climate chapter. She highlights significant conflicts of interest and the use of biased, non-neutral rhetoric intended for judges. (15)1953 MOSSADEQH TRIAL