Podcasts about MEC

No episódio do Podcast do PublishNews desta semana falamos de MEC Livros com Jaqueline Melo (coordenadora-geral de Materiais Didáticos no Ministério da Educação, à frente do MEC Livros).O MEC Livros é uma biblioteca digital pública e gratuita do Ministério da Educação (MEC), lançada em abril de 2026, com o objetivo de ampliar o acesso da população brasileira à leitura e ao conhecimento. Alcançou mais de 1,2 milhão de usuários, mais de 800 mil empréstimos realizados com quase 200 mil livros lidos integralmente. Conversamos com Jaqueline sobre como funciona o MEC livros, como é feita a escolha de títulos e contato com as editoras, seu sucesso e o que ainda está por vir e muito maisO podcast é oferecimento da: MVB América Latina Um livro, Câmara Brasileira do Livro,  Gráfica Viena e Nielsen BookData — referência mundial em dados que impulsionam estratégias INDICAÇÕES:Lugares: Bibliotecas em São PauloQuadrinhos: Pagar a terra - Joe Sacco - Tradução: André Czarnobai (Quadrinhos na Cia)Feira: FIQ Festival Internacional de Quadrinhos de Belo HorizonteLivro: Dias de se fazer silêncio - Camila Maccari (Autêntica Contemporânea)

Debata XXX Festiwalu Nauki w Warszawie z udziałem dr Grzegorza Sobieckiego, mec. Marceliny Szwed-Ziemichód, dr inż. Jacka Wytrębowicza i prof. dr hab. inż. Jarosława Arabasa [25 września 2026 r.]Czym właściwie są kryptowaluty? Skąd bierze się ich wartość? Dlaczego można przesyłać cyfrowe aktywa bez pośrednictwa banku? I czy prawo nadąża za technologią blockchain?W debacie głównej XXX Festiwalu Nauki w Warszawie eksperci przyglądają się kryptowalutom z trzech różnych perspektyw: technicznej, ekonomicznej i prawnej. Punktem wyjścia są podstawy matematyczne kryptografii, bezpieczna komunikacja i cyfrowa identyfikacja, ale rozmowa prowadzi znacznie dalej - do pytania o pieniądz, zaufanie, wartość i regulację nowych rynków.Uczestnicy wyjaśniają, czym są kryptowaluty i jakie ich rodzaje można wyróżnić. Przyglądają się także technologii blockchain i mechanizmom, które umożliwiają funkcjonowanie systemów rozproszonych bez jednego centralnego podmiotu kontrolującego całość.Co właściwie sprawia, że Bitcoin czy inne kryptoaktywa mają określoną wartość? Czy wynika ona z technologii, ograniczonej podaży, zaufania użytkowników, możliwości wykorzystania, czy przede wszystkim z tego, ile ktoś jest gotów za nie zapłacić?Debata dotyczy również praktycznych problemów bezpieczeństwa. Czym jest klucz kryptograficzny? Jak potwierdzamy własność cyfrowych aktywów? Co właściwie oznacza „posiadać kryptowalutę” i jakie ryzyko wiąże się z utratą danych umożliwiających dostęp do niej?Osobny wątek stanowią prawo, podatki i regulacje rynku kryptowalut. Technologia rozwijała się początkowo poza tradycyjnym systemem finansowym, ale wraz z jej upowszechnieniem pojawiły się pytania o odpowiedzialność, ochronę użytkowników, opodatkowanie oraz zasady funkcjonowania giełd i innych podmiotów związanych z obrotem kryptoaktywami.Czy kryptowaluty są pieniądzem?Czym różni się Bitcoin od innych tokenów i aktywów cyfrowych?Dlaczego blockchain może działać bez centralnego administratora?Skąd bierze się wartość kryptowalut?Jak wygląda ich opodatkowanie i regulacja?I czy kryptowaluty są początkiem nowego systemu finansowego, czy tylko jednym z wielu zastosowań technologii rozproszonych rejestrów?To debata dla osób, które chcą zrozumieć mechanizm, a nie tylko śledzić kurs Bitcoina.W spotkaniu udział biorą:Dr Grzegorz Sobiecki - ekonomista, adiunkt w Katedrze Systemu Finansowego Szkoły Głównej Handlowej w Warszawie. Bada m.in. pieniądz, blockchain, kryptowaluty, DeFi, tokenizację i cyfrowe systemy finansowe. Kieruje studiami podyplomowymi SGH „Blockchain: biznes, prawo, technologia” i jest współtwórcą Stowarzyszenia Ekspertów Blockchain.Mec. Marcelina Szwed-Ziemichód - adwokatka i doradczyni podatkowa specjalizująca się m.in. w prawnych i podatkowych aspektach nowych technologii, blockchainu, kryptowalut, NFT i działalności podmiotów sektora finansowego. Prowadzi także szkolenia dotyczące opodatkowania transakcji kryptowalutowych.Dr inż. Jacek Wytrębowicz - informatyk związany z Instytutem Informatyki Politechniki Warszawskiej, od wielu lat zajmujący się systemami komputerowymi, ich projektowaniem i technicznymi podstawami funkcjonowania infrastruktury cyfrowej.Prowadzenie: prof. dr hab. inż. Jarosław Arabas - profesor Instytutu Informatyki Wydziału Elektroniki i Technik Informacyjnych Politechniki Warszawskiej.Debata „O kryptowalutach” odbywa się 25 września 2026 r. w ramach XXX Festiwalu Nauki w Warszawie. Oficjalny program zapowiada rozmowę właśnie jako spojrzenie na kryptowaluty od strony technicznej, ekonomicznej i prawnej.#Kryptowaluty #Bitcoin #Blockchain #Krypto #Finanse #Technologia #Kryptografia #Prawo #Ekonomia #DeFi #FestiwalNauki #WszechnicaZnajdź nas: https://www.youtube.com/c/WszechnicaFWW/https://www.facebook.com/WszechnicaFWW1/https://anchor.fm/wszechnicaorgpl---historiahttps://anchor.fm/wszechnica-fww-naukahttps://wszechnica.org.pl/

Take a healthy 45-year-old man, one major mutual insurance company, and $50,000 a year paid for twenty years. Build that policy one way and $50,000 buys about $3.5 million of death benefit, with cash value that won't catch up to the premiums for thirteen years. Build it the other way (same company, same insured, same premium, same whole life contract) and the cash value passes the premiums in year six. In this episode, Brandon and Brantley put real illustration numbers to something we've talked about for years: whole life insurance isn't one thing. The design you choose decides almost everything about how the policy performs, and most buyers never find out a choice was made at all. For as long as we've been doing this, "is whole life insurance worth it?" has been one of the most common questions people search about whole life. We think it's the wrong question. A better one is, "How would whole life work for me?" A lot of the internet's "whole life is a rip-off" verdicts come from real people describing real policies. The trouble is that those policies were built for death benefit when the owner wanted cash, and nobody ever told them the difference. The product didn't fail them. A design they never knew about did. What we get into: Two ways to ask the same question. When we build a proposal, the illustration software can work in either direction. Tell it the death benefit you need, and it gives you the premium. Tell it the premium, and it gives you the most death benefit that premium will buy. For our 45-year-old, $50,000 a year poured entirely into base premium buys $3,563,792 of death benefit. That's a perfectly real whole life policy, and it does build cash, just slowly: $0 in year one, and about $145,000 after five years against $250,000 paid in (current dividend scale). That's roughly $100,000 upside down, which is exactly when people start scratching their heads. The same $50,000, built for cash. Roughly 14% goes to base premium, 74% to paid-up additions, and 12% to a term rider blended alongside. The death benefit starts near $1.04 million, which is about where the tax code's modified endowment contract (MEC) limits need it to be at this premium. Year-one cash value is $39,503. After five years, it's $246,290, a gap of about $101,000 over the all-base design on current scale. Not one extra dollar of premium went into getting there. On current scale, the cash value passes total premiums in year 6 instead of year 13. On guarantees alone, it's year 11 instead of year 21. What you give up, and why it works. The trade is about $2.5 million of death benefit, and in particular a large share of the guaranteed death benefit. Here's why that turns into more cash. The insurer manages the money the same way either way. It simply has less death benefit to back with your premium, so more of your dollars show up as cash you can use. The gap grows with time. By age 65 (twenty years of premiums, $1 million paid in), the cash-focused design shows about $1.61 million of cash value against $1.31 million for the all-base design on current scale. That's more than a $300,000 difference. On guaranteed values alone, it's $1.13 million against $991,000. What that means as retirement income. Illustrated as policy loans from age 65 to 90 on the current scale, the cash-focused design supports about $80,700 a year against about $65,300. That's roughly $15,400 more a year, or close to $1,280 a month you can actually spend. Policy loans aren't taxed as income as long as the policy stays in force and isn't a MEC. Like every income figure here, these depend on future dividends and a loan rate nobody knows in advance. The stress test: cut the dividend scale by a full 1%. That's a big reduction. Income drops to about $71,900 on the cash-focused design and $58,700 on the all-base design. The cash design actually loses slightly more in percentage terms (about 10.9% against 10.1%). Even with the lower dividends, though, it still pays more than the all-base design does with no cut at all. The levers behind the gap. Base premium versus paid-up additions, blending in term, how long you pay, and funding right up to the MEC line without crossing it. One caution: this isn't a checklist you hand to someone and say "blend it and add PUAs." Every carrier handles the term rider and the paid-up additions rider differently, and the details decide the result. Neither design is "bad." Some people really do need $3.5 million of permanent death benefit that will be there no matter what. For them, the all-base design is the right policy. It only becomes a bad policy when the buyer wants cash, and nobody asked. Who this is actually for, and who it isn't. It fits people who already have a strong position and can put a meaningful amount in every year (we use $50,000 here, and $25,000 and up is where the case gets compelling) for at least ten years before they plan to draw on it. It doesn't fit anyone without other savings, anyone with tight cash flow, or anyone with a short horizon. The 70-year-old hoping to fund it for three years and then take income is in that last group. It's also not a substitute for growth assets. The honest framing we keep on air: every number in this episode comes from one carrier, one insured (male, 45, preferred non-tobacco), and the current 2026 dividend scale. Figures are non-guaranteed unless we call them guaranteed. Dividends can and do change, and the policy loan rate is variable (5.4% when we ran these illustrations). Your age, health, and budget will change the numbers, though not the basic pattern. This is not investment advice. Securities have their place in a retirement plan; we just don't sell them, and this episode stays in our lane: whole life design, cash value, and policy loans. Everything in this episode was a 45-year-old putting in $50,000 a year. You're not that person. Want to see what a well-built policy would do with your money? Don't let ChatGPT be the last word. It will give you a confident verdict about a design it never specified, and confidently wrong is still wrong. Tell us a few things about where you stand, and Brandon will build a design at your numbers and send you a private video walking through it page by page, within two business days. No call required, no pitch. If whole life isn't the right tool for you, the video will say so. Run my numbers. Not ready for your own numbers yet? Brandon's free buyer's guide lays out this episode's two designs side by side, then well-built policies at $25,000, $100,000, and $250,000 a year, and the five things to check on any illustration you've been handed. Get the free guide.

Is a MEC really as bad as everyone in infinite banking says? In Farming Without the Bank Episode 373, Mary Jo Irmen and John Hasche break down when a Modified Endowment Contract actually makes sense. Most life insurance  agents will tell you: never MEC, never MEC, never MEC. But what if you just sold a dairy, a farm, or a business and have a one-time lump sum of $2-3 million with no future cash flow to pay premiums? Mary Jo and John walk through a real client case study — 54-year-old son and 82-year-old dad splitting ~$3M after liquidating a California dairy — and compare the numbers. In this episode: What is a MEC? FIFO vs. LIFO, why loans become taxable, and why the death benefit is still income tax-free Why a MEC can't be reversed + the 30-day letter you must open Case study #1: $2M single-pay on a 54-year-old — $4.4M death benefit day one, $1.8M cash value, when taxes hit in year 4 and why borrowing every year resets your basis Why age matters: $132k/year of taxable growth at 69, $178k at 79, $200k+ at 89 Case study #2: $2M single-pay on 82-year-old dad — $2.4M death benefit, only ~$60k/year growth to pay tax on, $3M+ at age 97 3 times a MEC does work: borrow years 1-3 to buy a cash-flowing asset then stop, older insureds, long-term care / trust-owned policies The 1035 exchange loophole: how existing cash value can fund a single-pay without MECing The 10% penalty under age 59 1/2 most people forget Why you can't get this answer by email — goals, retirement plans, ranch vs. rentals, and future cash flow determine the strategy If you came into a large lump sum and want a single-pay premium without paying premiums forever, don't guess if a MEC is right for you. Book a meeting and walk through the numbers. Chapters: 00:00 MECs Aren't Always Bad 00:29 How MEC Taxation Works 03:45 Age Matters With MECs 04:27 Avoiding Accidental MECs 06:36 Client Case Lump Sum 09:24 Single Pay MEC Numbers 11:46 Basis Reset And Taxes 15:11 Alternative Insure Dad 18:25 When MEC Strategy Fits 20:41 More MEC Use Cases 23:04 Client Education Matters 26:12 Wrap Up And Next Steps Buy the book: https://www.FarmingWithoutTheBank.com/book  Email Mary Jo: MaryJo@WithoutTheBank.com Audio Production by Podsworth Media - https://podsworth.com 

How does an iconic Canadian outdoor retailer turn a return to Canadian ownership into lasting growth? On this episode of The Voice of Retail, host Michael LeBlanc sits down with Chris Speyer, Chief Merchandising Officer and Equity Partner at MEC (Mountain Equipment Company), and Michele Guimond, VP of Marketing at MEC. They talk candidly about brand trust, merchandising strategy, community building and what it takes to win in Canadian retail today.Chris traces MEC's journey from beloved co-op to U.S. private equity ownership. In May 2025, a small group of equity partners, including Chris, brought it back to majority Canadian ownership. A proud fellow Ottawa native, Chris returned to Canada after nearly two decades in the U.S., including years as Chief Merchandising Officer at REI. He explains how MEC has refocused on climbing, hiking, camping and backpacking, and why it refuses to out-discount Amazon or Walmart. That discipline is delivering double-digit revenue growth and stronger full-price margins.Michele, whose background includes Aritzia and Arc'teryx, explains why MEC never lost its "Canadianness" through the ownership changes. She says trust lives in the one-to-one moments between members and expert staff. She shares two powerful signals from the past 18 months: a re-engaged core of loyal members and a fast-growing cohort of new customers choosing MEC for the first time.The conversation digs into the buy Canadian movement and how consumers really shop it. Canadian origin is a helpful decision filter, but quality, durability, sustainability and innovation come first. Chris spotlights Canadian trail running brands including Norda, Ciele, NAAK and Arc'teryx, alongside MEC's own label. He also unpacks how tariffs and supplier negotiations are reshaping retail buying.Michele introduces Train for the Trails, MEC's free national community program. It offers digital training guides, expert coaches, and local group runs for everyone from first-time 5K runners to seasoned racers. Chris also weighs in on REI and the future of specialty outdoor retail in the U.S.The episode closes with sharp holiday 2026 retail advice. Michele urges marketers to win authentically, build relationships instead of transactions and invest in post-holiday lifecycle marketing. Chris makes the case for curated accessories, uncompromising peak-season service and targeted promotions over blanket discounts. He also explains why expert store staff should check AI product recommendations.And listen for a little breaking news: Chris reveals that MEC is opening a smaller-format store in Whistler Village this November, featuring a curated collection focused on MEC's own label.Whether you're a retail executive, marketer, merchant or outdoor enthusiast, this is a masterclass in brand trust and purpose-driven growth. Listen now and subscribe to The Voice of Retail for more conversations with Canada's top retail leaders. Presented by Konek, Canada's Way to Pay. Visit Konek.ca to learn more. Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fifth year in a row, the National Retail Federation has designated Michael as on their Top Retail Voices for 2025 and 2026. Thinkers 360 has named him on of the Top 50 global thought leaders in retail. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

Mec. Krzysztof Wąsowski zakwestionował w Radiu Wnet, czy wybrany przez Sejm na sędziego Trybunału Konstytucyjnego Maciej Berek spełnia ustawowy wymóg dotyczący doświadczenia zawodowego. Prawnik wskazywał na różnicę między posiadaniem uprawnień radcy prawnego a faktycznym wykonywaniem tego zawodu. Sam Berek zapewnia, że wykonywał zawód przez 17 lat i przedstawił zaświadczenie Okręgowej Izby Radców Prawnych w Warszawie.

A fire at the SWAPO informal settlement in Copesville, Pietermaritzburg has destroyed 20 shacks, up from the initial 15. KwaZulu-Natal Human Settlements MEC Siboniso Duma says verification found 19 foreign nationals were among those affected.The department also alleges a foreign national was collecting 250 rand per shack and that illegal electricity connections were in use. Government says fully subsidised housing is for qualifying South African citizens, while emergency housing offers temporary relief. For more, we're joined by Ndabezinhle Sibiya, Spokesperson for the MEC for Transport and Human Settlements in KZN.

A Mecânica da Última Trombeta | Análise Profunda

16 09 2026 01 Ancho Perfil Humberto Ayala Zelada director de Relaciones gremiales del MEC by ABC Color

O convidado do JR ENTREVISTA desta quarta-feira (16) é o ministro da Educação, Leonardo Barchini. À jornalista Lívia Veiga, ele falou sobre a transição histórica do Brasil da garantia de acesso às salas de aula para a busca pela qualidade da aprendizagem, além dos impactos socioeconômicos do programa Pé-de-Meia e das metas de expansão do ensino em tempo integral e técnico no país.O ministro anunciou que o governo federal planeja expandir o programa Pé-de-Meia para todos os estudantes do ensino médio público no Brasil. Atualmente, a iniciativa recebe um aporte de R$ 12 bilhões por ano. Citando estudo do Insper, Barchini revelou que o programa evitou a evasão de quase 370 mil jovens em 2025, gerando um retorno estimado em R$ 180 bilhões para a economia nacional. Nos últimos quatro anos, os indicadores mostraram queda de 61% no abandono escolar, 62% na reprovação e 28% na distorção idade-série. “Ele não é um programa assistencialista, é um programa pedagógico (...). Diante desses resultados, nós vamos, no próximo período, expandir o Pé-de-Meia para todos os estudantes do ensino médio público no Brasil”, destacou o ministro.Ao contextualizar o financiamento educacional, Barchini argumentou que o Brasil iniciou seus investimentos em educação básica de forma tardia em relação a outros países emergentes, consolidando fundos permanentes como o Fundeb apenas nas últimas duas décadas. Para acelerar o rendimento dos alunos, o Ministério da Educação trabalha para elevar a proporção de matrículas em tempo integral de 15% para 26% no país. “No mundo inteiro, a escola é de tempo integral (...). A gente precisa aumentar a exposição do estudante, do jovem à aprendizagem, à escola”, sustentou o chefe da pasta, ressaltando reflexos positivos também na segurança pública e no apoio às famílias.O ministro também apresentou dados sobre a expansão do ensino técnico integrado ao ensino médio, modalidade que subiu de 10% para 20% das matrículas nacionais. Segundo Barchini, alunos do ensino técnico apresentam uma taxa de ingresso no ensino superior de 44%, contra 27% dos egressos do ensino médio regular. Para ampliar a oferta, o MEC está construindo 111 novas unidades dos Institutos Federais, que gerarão 140 mil novas vagas. No ensino superior, o programa Universidades Transformadoras adicionará 20 mil vagas em cursos de áreas inovadoras e na saúde, suportado por um investimento de mais de R$ 5 bilhões para consolidação e criação de novos campi.Por fim, a entrevista tratou da valorização dos professores e das diretrizes para a introdução da inteligência artificial nas escolas públicas. Barchini enfatizou que a tecnologia deve ser adotada com parcimônia para não comprometer o aprendizado, priorizando a capacitação docente por meio do ambiente virtual Avamec. “Inteligência artificial é ferramenta, não é um fim por si só (...). Primeiro de tudo, a gente precisa ter uma formação massiva dos nossos docentes no Brasil inteiro”, concluiu.

Bishop Lavis Action Community’s Gwendoline Davids speaks to John Maytham about the memorandum handed to the health MEC, and the community demands around service deliver at the Bishop Lavis Community Health Centre. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

16 09 2026 01 Ancho Perfil Humberto Ayala Zelada director de Relaciones gremiales del MEC by ABC Color

Do nového dílu pořadu První nástupiště na Radiu Orlicko dorazila cestovatelka a právnička Lea Hartmanová, která vyrazila na roční Working Holiday do Kanady bez předem domluvené práce i bydlení. V epizodě se dozvíte, jak funguje losování o víza a začátky ve Vancouveru, jaké to je pracovat pro outdoorového giganta MEC, stavět pět hodin sněhovou jeskyni a mrznout v ní na děravé karimatce, co dělat při nečekaném setkání s medvědy na treku a jaké vtipné trapasy přinesla srážka na kole se zaparkovaným autem nebo nepochopená genderová zájmena v práci.

¿Adivinen quién vuelve? ¡Sí! El Dado Único. Nos ponemos serios (o no mucho) para hacer un repaso muy breve a lo que ha pasado en agosto, que no es mucho la verdad. Luego nos metemos de lleno con "Il Pantano di Feya", el antecesor de Terra Mystica que parece que es más que eso. Más tarde nos metemos en el mundo cibernético de Deckers que al final ni tanto mundo ni tanto ciber y finalmente perdemos la cabeza con los horrores de Plum Island Horror. ¡Al lio! Correcciones: Los Dice Tower Awards no los vota la gente, sino un comité de 60 reseñadores, blogueros y creadores de contenido del hobby. El pack de idioma del Plum Island cuesta 30€ no 40€ 00:00 Música 03:51 Premios JdA 2026 10:52 Premios Dice Tower 2025 22:48 La delicada situación financiera de CMON 34:36 Devir deja de distribuir Magic: The Gathering 38:34 El Pantano de Feya 44:12 Mecánicas ¿Se distingue de Terra Mystica? 1:01:51 Deckers 1:13:54 Deckers en solitario y a dos jugadores 1:30:12 Conclusiones sobre Deckers 1:32:42 Plum Island Horror 1:37:54 Lo mejor y lo peor de Plum Island Horror 1:53:19 Conclusiones sobre Plum Island Horror 2:02:44 Despedida

Hoje, 'No Pé do Ouvido, com Yasmim Restum, você escuta essas e outras notícias: Relatório da PF tornado público por Mendonça expõe ligação próxima de Daniel Vorcaro com Moraes e com procurador-geral, que pede anulação das provas. Parlamentares discutem alternativas para Moraes deixar STF sem passar por impeachment. MEC proíbe uso de IA na correção de provas discursivas e redações. Longa “A Bola Preta” será o filme de abertura do Festival do Rio 2026. E Amazon lança recurso de alertas personalizados na Alexa for Shopping.See omnystudio.com/listener for privacy information.

Level Up – Especial Eterno Azul Este episodio constituye una guía integral para la creación de personajes en Eterno Azul, . Nacho detalla el proceso completo: desde la definición del concepto narrativo y el origen cultural de los Buscadores, hasta la configuración mecánica de arquetipos, acciones, señas y vínculos. Finalmente, se aborda la importancia de personalizar el navío del grupo, preparando a los jugadores para dominar las mecánicas de juego y comenzar sus aventuras. Eterno azul “Los buscadores son los aventureros por excelencia del mundo de Eterno Azul. Mercenarios, exploradores, pícaros de todo tipo que buscan tesoros.” Creación de Personajes Eterno Azul, un juego de rol centrado en la aventura y la picaresca. Se define a los Buscadores como los protagonistas: mercenarios, exploradores y pícaros que, aunque vistos como héroes, viven vidas peligrosas y cortas. Paso 1: Concepto y Origen Concepto: La base creativa antes de las reglas. Define quién es el personaje (espadachín, mercader, etc.). Origen: Todos los personajes son humanos; el origen define la cultura y tradiciones (ej. arisi, tidar, caull, nicartas). Cada origen otorga una capacidad especial única. Arquetipos, Acciones y Señas Apariencia: Existe total libertad estética, independientemente del origen. Arquetipos: Definen la ocupación (arcanistas, místicos, granujas, etc.) y otorgan equipo y capacidades. Acciones: Existen 10 ámbitos de entrenamiento (Armonizar, combatir, explorar, influir, maniobrar, navegar, picardear, resistir, saber y trastear). Se distribuyen dados de d10, d8 y d6. Señas: Tres rasgos que definen la identidad y el pasado. Se asignan dados (d8, d10) según su influencia en la vida del personaje. [13:36] Aptitudes, Vínculos y Finalización Aptitudes Especiales: Se crea una tercera aptitud junto al director de juego para realizar proezas. Vínculos: Mecánicas vivas que definen las relaciones entre jugadores. Se reactivan mediante “escenas de hoguera”. Cierre: Registro de 10 puntos de aguante, 3 contadores de brío, equipo y nombre. El Navío del Grupo El navío es esencial para el grupo. Se elige entre buque de guerra, carguero o navío de exploración, personalizándolo con dos modificaciones iniciales. Se anima a los jugadores a añadir “cacharrería” única para que cada embarcación sea irrepetible. Puntos Clave Identidad del navío: El tipo de navío define las capacidades tácticas del grupo en el “azul próximo”. Enfoque narrativo: La creación comienza con la identidad y la historia, no con las estadísticas. Humanidad compartida: La diversidad proviene de la cultura y el origen geográfico, no de la especie. Especialización: El arquetipo es el pilar central que define el equipo inicial y la primera seña. Gestión de riesgos: La distribución estratégica de los dados en las 10 Acciones es vital para el éxito. Dinámica grupal: Los vínculos y las “escenas de hoguera” fomentan la interacción y el desarrollo de la historia compartida. Música de Uppbeat: License code: DSJHNLFTIRWBKXPO Música de Youtube

- Nawrocki z królem SEX-OBORY! - Czy można niżej upaść? - Mec. @RomanGiertych ma nowego Krala! - Pisowcy przerażeni! #Skolim #Jurata #Nawrocki #PiSToRosja #Giertych #Kral #polityka #IPPTVNaŻywo ⛵️

On Friday's "Dan O'Donnell Show," Dan is left speechless at how incompetent the Milwaukee Election Commission official who downloaded audit logs instead of vote totals on primary election night. The MEC's explanation and proposed changes for November further illustrate just how in over her head one of the top election officials in Milwaukee actually is. See omnystudio.com/listener for privacy information.

-Mec. Giertych: PiS to przestępcy z Bogiem na ustach! -Radosław P. zatrzymany -Hołownia z ruskim szpiegiem? -Co z Nawrockim? #zondacrypto #AferaZondaPiS #AferaZondacrypto #PiSToMafia #PiSToRosja #polityka #IPPTVNaŻywo ⛵️

Conheça a Minimal Club usando o Cupom: BRUNEThttps://lp.minimalclub.com.br/cortes-brunetcastO mundo mudou o significado das palavras, mas a Bíblia não mudou o que é verdade. Neste episódio do BrunetCast, Tiago Brunet recebe o doutor Tassos Lycurgo (doutor em Educação, mestre em Filosofia Analítica e pós-doutor em Apologética Cristã pela Oral Roberts University) para expor as verdades bíblicas que o mundo de hoje insiste em negar, da educação à identidade, da linguagem à fé.Você vai entender:O que é verdade segundo a Bíblia, e por que só 6% dos brasileiros sabem diferenciar fato de opiniãoPor que o contrário do teísmo, na Bíblia, é idolatria, não ateísmoComo a manipulação da linguagem tenta redefinir palavras como família, casamento e identidadeO que a Bíblia ensina sobre identidade a partir de Moisés, Gideão e a confissão de PedroPor que Deus não é motivacional, e o que Ele diz no lugar disso pra quem se acha pequeno demaisPor que a educação é hoje um dos principais campos da batalha pela verdadeCAPÍTULOS0:00 Abertura do BrunetCast e apresentação do convidado2:36 Só 6% dos brasileiros sabem diferenciar fato de opinião4:38 O que é educação de verdade: o conceito de Paideia7:26 Analfabetismo funcional e o colapso da alfabetização no Brasil14:01 Por que sem palavra não existe pensamento15:43 Método fônico x método global: o que os pais podem fazer17:54 O excesso de diagnósticos e a fuga da responsabilidade dos pais20:02 Feminismo e LGBTismo como movimentos de controle25:35 O caso dos povos indígenas na fronteira do Brasil27:51 Quem lucra com essas pautas33:15 Casamento, linguagem e a briga pelo nome39:12 A Bíblia como base da civilização ocidental43:33 Ideologia de gênero: o que é possível e o que é moral44:44 Estado, censura e a nova perseguição ao cristão50:51 Hedonismo: a filosofia de colocar o prazer em primeiro lugar1:01:00 Identidade: o que Deus diz que você é1:12:12 O desapego e a régua da eternidade1:18:11 A crise da masculinidade e os super-heróis efeminados1:22:00 O que é cultural e o que é imutável na Bíblia1:24:16 O resgate da Escola Bíblica Dominical1:29:01 Família, MEC e o futuro da educação cristã no Brasil1:39:26 Encerramento e indicação dos livros de Tassos LycurgoO BrunetCast vai ao ar toda terça-feira, às 20h, no YouTube e no Spotify. Inscreva-se no canal, ative o sininho e deixe nos comentários: qual dessas verdades mais incomodou você?

You went looking for Infinite Banking, or maybe "be your own bank," and a max funded IUL came back as the answer: market-linked growth, tax-free access, no downside. On paper, it sounds like whole life, only better. https://youtu.be/UMTiXDmYNok A max funded IUL is an indexed universal life policy funded at or near the maximum premium the IRS allows before the contract becomes a modified endowment contract. It's not a separate product, but a funding decision applied to an ordinary IUL that pushes cash value growth harder while offsetting internal costs. Max funding gets invoked to explain why an IUL didn't work: you just didn't fund it hard enough. But a product that needs funding to its legal ceiling to perform as illustrated says something about the product, not just the strategy. Max funding improves the odds. It doesn't remove the fragility underneath. What Is a Max Funded IUL?Why Max Funded IULs Are Marketed So AggressivelyThe IUL Fees the Illustration Doesn't Show YouWhy Your Credited Return Is Not the Index's ReturnThe Rising Cost of Insurance Inside an IULCan a Max Funded IUL Still Lapse?Max Funding a Whole Life Policy InsteadWhen Max Funding an IUL Makes SenseWhat to Ask Before You Fund OneBook a Strategy CallFrequently Asked QuestionsWhat is a max funded IUL?What does max funding an IUL actually mean?How does a max funded IUL work?Is a max funded IUL better than a 401(k) or Roth IRA?Can a max funded IUL still lapse?Can you max fund a whole life policy instead? Key takeaways: Max funding is a funding strategy, not a distinct product. There's no "max funded IUL" you buy off the shelf. A zero-crediting year isn't a flat year: fees still come out, and growth compounds off a permanently lower base. The insurer can change your cap, participation rate, and spread once a year, without asking first. Max funding defers lapse risk. It doesn't eliminate it. Apply the same instinct to whole life, and you get the guarantees an IUL was never built to offer. What Is a Max Funded IUL? A max funded IUL, sometimes called a maximum funded indexed universal life policy, is an indexed universal life policy funded at or near the highest premium level the IRS permits before crossing into modified endowment contract status. There's no separate product line behind the term, just this definition. A few people write it as "max funded indexed universal life" or shorthand it to "max fund IUL"; all of it points to the same funding decision. Every universal life policy quotes two premium figures: a minimum, the least you could pay and still have a shot at sustaining the death benefit if the index cooperates, and a maximum, the most the IRS allows before the tax treatment changes. Max funding means paying near the top of that range. More dollars in means more dollars exposed to crediting: 10% on $100,000 of premium is $10,000; the same 10% on $10,000 is $1,000. One term worth pinning down: a modified endowment contract, or MEC. The IRS caps how much premium can go into a permanent policy while preserving tax-free access. Cross that limit and the policy still grows tax-deferred, but access gets taxed, including policy loans, tax-free in every other context. (Consult a licensed tax professional on how §7702 and §7702A apply to your contract.) The distinction everything else here rests on: this isn't a different kind of policy, just a decision about how much premium goes into an IUL. You'll sometimes see it called an overfunded IUL, which is just another name for the same funding choice, not a separate product to shop for. And it's worth flagging now: you can max fund a whole life policy the same way. For a full breakdown of how an indexed universal life policy works, see what an indexed universal life policy is. Why Max Funded IULs Are Marketed So Aggressively Before picking apart max funding, it's worth saying plainly: the appeal is real. A max funded IUL has genuine features that draw in smart, financially literate people, and pretending otherwise would make the rest of this article dishonest. It offers tax-deferred growth with tax-free access through policy loans, no annual contribution ceiling like a 401(k) or Roth IRA imposes since capacity is governed by the death benefit purchased, a 0% floor marketed as downside protection, an included death benefit, and in strong index years, the possibility of double-digit credited growth. The most effective version shows up as a retirement play: a tax-free income vehicle for people phased out of Roth eligibility or maxed on contribution room elsewhere. We won't unpack that comparison; we cover IUL-for-retirement here. Bruce and I both make this concession without hesitation: the instinct behind max funding is correct. It flips the usual "buy the most death benefit for the least premium" logic on its head and treats a permanent policy as a place to store and access capital instead. The open question isn't whether to max fund, but which product deserves it. The IUL Fees the Illustration Doesn't Show You IUL fees are disclosed, sitting in the contract right now, but rarely walked through in the illustration or the sales conversation, so buyers routinely agree to a fee structure they've never once seen quantified. Give the product its due: disclosure is a genuine point in its favor. Whole life keeps most costs internal, priced against guarantees, so an actuary can tell you exactly what those costs do to cash value over time. An IUL has no such floor, so the same load fee taken from a smaller balance next year does more damage, and the shortfall compounds forward. One misconception worth correcting: indexed crediting doesn't mean your premium is invested in the index. The insurer manages the underlying assets and hedges its own exposure as it sees fit. Surrender charges also tend to run larger on an IUL than on whole life, relevant only if you actually surrender; whole life's rough equivalent is simply lower cash value in the early years. This is where max funding earns its name: it exists to outrun these fees through sheer volume, which means the strategy's own proponents are conceding the drag is real. The illustration never asks what happens if the funding doesn't outrun it. For the full risk picture beyond fees, see dangerous truths about IUL risks. Why Your Credited Return Is Not the Index's Return The 0% floor isn't free. It's purchased with three mechanisms the insurer can adjust annually: a cap ceilings the credited rate, a participation rate credits only a percentage of the gain, and a spread is a hurdle the index must clear before anything credits. The worked numbers are below. One "uncapped" strategy runs a three-year point-to-point at 60% participation: the index gains 30% over three years, but the policyholder is credited 18%, roughly 6% annualized. "Unlimited" is doing marketing work the mechanics don't back up. MechanismWhat it doesWorked exampleCapCeilings the credited rate15% cap, index gains 25%, credited 15%Participation rateCredits a percentage of the gain80% of a 15% cap, credited 12%SpreadDeducts a hurdle before crediting3% spread, index gains 8%, credited 5%0% floorPrevents index-driven loss, fees still deductedIndex falls 15%, credited 0%, fees still come out The insurer can change the cap, participation rate, and spread once a year, without your consent. It's disclosed, not misconduct, just a term rarely explained. With fifteen indexes and multiple crediting strategies on offer, a policyholder can face well over a hundred permutations, which reads as control and functions as confusion. Now the zero-year mechanics, the single most important thing to understand here. A zero-crediting year is not a flat year: fees still come out, pulled from a smaller cash value, and the next year's crediting compounds off that lower base. A zero in year eight of a $3-million, thirty-year projection doesn't just mean missing that year's interest , it resets the compounding base permanently, and when the index drops, the insurer's hedging costs rise too, so you lose nothing to the index and still lose money. Agents say zero is your hero, then illustrate 30 years at a flat assumed rate, often 6.45% or 6.85%, sometimes a more conservative 5.25% column, without a single zero year anywhere in the projection. Both claims can't be true at once. Average isn't actual either: $100,000 down 20% is $80,000, and up 20% from there is $96,000, not $100,000. For an independent take on these mechanics, see Todd Langford's analysis of indexed universal life. The Rising Cost of Insurance Inside an IUL IUL insurance charges are priced as annually renewable term. The cost re-prices every year based on age, and it climbs. Max funding puts more premium in to help absorb it, but doesn't change the fact it keeps rising. The climb accelerates: something like $10 more from age 55 to 56, then $14, then $22, then $35. Whole life prices base-policy mortality cost across the entire life of the contract with a defined endowment point built in, so early years cost more relative to a small cash value and later years cost less relative to one grown large enough to absorb them. Bruce has personally seen carrier illustrations where mortality cost inside an IUL becomes severe around age 77, with the in-force death benefit graph turning sharply downward within a couple of years, even under continued maximum contributions. That's his observation from specific illustrations, not a universal threshold. That leaves the policyholder in a rough spot decades in: pay materially more than illustrated, or give up a policy funded faithfully for thirty years. This is the cost max funding is supposed to outrun, and the one cost that climbs on a schedule funding can't influence. Can a Max Funded IUL Still Lapse? Max funding reduces lapse risk. It does not remove it,...

  This mix is pretty straightforward - it's a collection of Berlin-school style tracks where the arpeggio is relatively slow. I don't know what the actual BPMs are but these tracks are not the driving sequences usually associated with Berlin-school music. They unfold at a more languid, chill pace. I was very happy to be able to include the track "Wenn der Südwind weht" by Roedelius in this mix as it's one of my favorite electronic tracks of all time.  LINKS TO ALL THE MSUIC USED IN THIS MIX: https://arstraumur.bandcamp.com/album/deep-space-travellers https://phelios.bandcamp.com/album/dawn-of-time https://open.spotify.com/album/1LkfDTSn7UnbYXA4yFVPPN?si=wkk9zxYNS3-BzQuQbld_lg https://roedelius-official.bandcamp.com/album/wenn-der-s-dwind-weht https://domeniquedumont.bandcamp.com/album/people-on-sunday https://balmat.bandcamp.com/album/psychic-geography https://lornadune.bandcamp.com/album/sequential-dreaming https://2fel.bandcamp.com/album/stranger-flow https://ultimae.bandcamp.com/album/onwards-system https://grauglanz.bandcamp.com/album/hasardeur https://abstrakce.bandcamp.com/album/una-teor-a-del-ritmo https://rudyadrianongroove.bandcamp.com/album/concerts-in-the-usa https://jonhopkins.bandcamp.com/album/ritual   Cheers!   T R A C K L I S T : 00:00   Árstraumur - Europa Clipper (Deep Space Travellers 2024) 05:15   Martin Stürtzer - Radiance (Dawn of Time 2024) 10:15   ObukhovAUDIO - Soft Landing on Nowhere (Kosmische Musik 2025) 16:00   Roedelius - Wenn der Südwind weht (Wenn der Südwind Weht 1981) 19:57   Domenique Dumont - Rituals (People on Sunday 2020) 22:43   DoVs - Psychic Geography (Psychic Geography 2025) 26:40   Lorna Dune - Arising (Sequential Dreaming 2025) 30:03   2fel - revisited (stranger flow 2024) 36:36   CELL - Fugitive Perpetuity (Onwards System 2022) 41:24   Grauglanz - schmelzwasser (hasardeur 2026) 49:33   Mecánica Clásica - Agógica (Una Teoría Del Ritmo 2026) 53:00   Rudy Adrian - Turquoise(Dunedin, New Zealand) (Concerts In The USA 2003) 57:10   Jon Hopkins & Vylana - part ii - palace / illusion (RITUAL 2024) 64:20   end

In this breaking Engage Alert, host First Officer Ryan Argenta sits down with MEC Chairman Captain Eric Criswell and Negotiating Committee Chairman Captain Bill Finlay following the MEC's unanimous decision to pivot away from the accelerated bargaining timeline and toward a more traditional Section 6 negotiation. Criswell and Finlay explain what led to the decision, including the company's pursuit of concessionary changes to longstanding pilot protections involving reroutes, schedule flexibility, reserve rules, payback days, and other provisions the union says pilots would not ratify. They also discuss the company's lack of meaningful engagement on key pilot priorities and why the accelerated path ultimately became untenable. With the bargaining strategy now changing, the discussion turns to what comes next: the expected negotiating timeline, the upcoming MEC meeting in Boston, increased communication and pilot involvement and what the MEC and Negotiating Committee will need from the pilot group as negotiations enter a new and potentially longer phase. MEC Alert 26-11: What You Need to Know Negotiators' Notepad 26-03: Status of Negotiations and Next Steps

One of the core functions of a labor organization is ensuring the contract is appropriately enforced. In this episode, ALA Grievance Chair Larry Freer and HAL Grievance Chair Iam Bouret discuss how our Grievance Committees operate behind the scenes to defend our contracts. The two Chairs and their respective committees monitor contract violations and advocate on pilots' behalf for remedies whenever violations occur. Their work requires comprehensive contract knowledge, historical research and analysis, strategic problem solving, dedication, and resolve.  In this episode, we discuss the recommended steps pilots should take if they are affected by a potential contract violation, then provide an overview of the process from the perspective of the Grievance Committee, including ways a grievance could be resolved and the potential timeline to get that resolution.  If you have a potential contract violation to report, click the links below or visit our respective MEC websites for more details.  Alaska Pilots: Click here to file a pre-grievance.  Hawaiian Pilots: Click here to file a CCR. 

Kristyn Carriere went from running taste panels at Cadbury and formulating for Godiva to founding her own Canadian chocolate brand. This is what happens when a real food scientist decides to build a CPG company. On this episode, Kristyn Carriere of Seven Summit Snacks joins Phil and Kenny to talk about turning deep R&D experience into a grab-and-go energy chocolate — and why a big-company background changes how you launch. We get into the science of chocolate (conching, flavour optimization, why the same bar tastes different in five countries), the consumer-led product development that got the recipe right in three tries instead of hundreds, and the packaging and branding choices that help the bar stand out in two of the most saturated aisles in the store. Kristyn also shares the deeply personal story that gave the brand its name and brought her back home to Canada. There's a real lesson in here for founders: making something in your kitchen is one thing — knowing the industry, the iterations, and the science behind market fit is what actually moves a brand forward. Find Seven Summit Snacks at https://sevensummitssnacks.com/, on Amazon, and in retailers like Running Room, MEC, and Community Natural Foods. In this episode: From Disney on Ice to food science to global chocolate R&D Inside Cadbury and Godiva: how big chocolate really formulates The origin of Seven Summit Snacks and the story behind the name Consumer-led development: nailing the recipe in three tries Building for two customer types — online buyers vs. in-store shoppers Winning the aisle with packaging, iconography, and clean ingredients A big thank you to CHFA for sponsoring This Commerce Life. CHFA is the voice of Canada's natural health and organic products industry, and their trade shows are where the best emerging brands and buyers connect. Heading to Toronto? Sign up for CHFA East and be part of it: https://www.chfanow.ca/toronto

BONUS MONDAYS: Dr. Edwin Barnhart, director of the Maya Exploration Center, has over twenty years of experience in Central and South America as an archaeologist, an explorer and an instructor. He has appeared in over a dozen documentaries and given presentations all over the world.His involvement in Maya studies began in 1990 as an archaeological intern in the ruins of Copan, Honduras. In January of 1996 he was invited to return to Copan and help the University of Pennsylvania excavate the early acropolis and the tomb of the city's lineage founder. From 1992-1995 he had been studying art, iconography and epigraphy (hieroglyphic translation) under the late Dr. Linda Schele at the University of Texas at Austin. During that same time he worked across the state of Texas as a contract archaeologist.In 1994 he began working as a surveyor and a UT field school instructor in the jungles of Northwestern Belize. After finding numerous small villages, Dr. Barnhart discovered the ancient city of Ma'ax Na (Monkey House), a major center of the Classic Maya Period. He mapped over 600 structures at Ma'ax Na between 1995 and 1997 before moving his research focus to Chiapas, Mexico. Also while in Belize, Dr. Barnhart worked with the Belize Post Classic Project mapping the island of Caye Coco and excavating a series of burials on an island in Laguna de On. Dr. Barnhart received his Masters degree in May of 1996 and began teaching Anthropology classes at Southwest Texas State University the following September. He taught Archaeology and Anthropology classes at SWTS until 1998 when he was invited by the Mexican government to direct the Palenque Mapping Project. The Palenque Mapping Project was a three-year effort to survey and map the unknown sections of Palenque's ruins. Over 1100 new structures were documented, bringing the site total to almost 1500. The resultant map has been celebrated as one of the most detailed and accurate ever made of a Maya ruin. He received a Ph.D. from the University of Texas at Austin in 2001 with his dissertation entitled The Palenque Mapping Project: Settlement Patterns and Urbanism in An Ancient Maya City.Upon graduation, Dr. Barnhart and his colleagues established Maya Exploration Center through which to continue and share their research. As of 2020, he has led over 200 ancient sciences travel courses in 15 different countries. Also through MEC, he is the author of an annual wall calendar and an iPhone app which explains the ancient Maya calendar.In 2012, he produced a 24-lecture video series for the Teaching Company's Great Courses entitled “Lost Worlds of South America”. His second Great Course entitled “Maya to Aztec: Ancient Mesoamerica Revealed” was released in March of 2015. Then in 2018 his third Great Course was released, entitled “Ancient Civilizations of North America”. His most recent production with Great Courses is a 6-episode travel series called “Exploring the Mayan World”.Over the last two decades, he has appeared multiple times on the History Channel, the Discovery Channel, Discovery Channel 3D, Canada's Religion Television, Japanese NHK Public Television, and an award-winning documentary entitled “2012: The Beginning”. Dr. Barnhart is a Fellow of the Explorer's Club and leads travel courses for college professors on ancient astronomy, mathematics and sacred geometry. In 2020 he started his podcast – ArchaeoEd, which focuses on ancient cultures of the Americas.Become a supporter of this podcast: https://www.spreaker.com/podcast/next-level-soul-podcast-with-alex-ferrari--4858435/support.Take your spiritual journey to the next level with Next Level Soul TV — our dedicated streaming home for conscious storytelling and soulful transformation.Experience exclusive programs, original series, movies, tv shows, workshops, audiobooks, meditations, and a growing library of inspiring content created to elevate, heal, and awaken. Begin your membership or explore our free titles here: https://www.nextlevelsoul.tv

Son nom n'est désormais connu que des plus anciens, mais à Soweto, le Club Pelican était, dans les années 1970, un endroit incontournable pour ceux qui aimaient la musique et la fête. En plein apartheid, ce night-club, l'un des premiers du genre dans le township, offrait un espace afin de décompresser, faisant fi des lois de ségrégation, et permettait à des populations quotidiennement séparées de se croiser, le temps d'une soirée. De notre correspondante à Johannesburg, Il ne reste plus que l'enseigne couverte de rouille sur la façade délabrée pour deviner que c'est ici, derrière les rails de chemin de fer, non loin du stade d'Orlando, que se trouvait l'un des lieux mythiques de Soweto pour faire la fête. Le Club Pelican, premier night-club du township, était une scène incontournable pour tous les musiciens, et c'est là que le saxophoniste Khaya Mahlangu a fait ses premières armes. « Le club était tout petit, se rappelle-t-il, seule la section rythmique pouvait tenir sur scène. Les cuivres étaient dans un coin, mais si on était quatre ou cinq, on se retrouvait à jouer collés aux tables du premier rang. » Lieu de choix, à l'époque, pour écouter de la musique live, du jazz au funk en passant par la soul, le Club Pelican a attiré beaucoup de grands noms mais a aussi permis de former nombre de musiciens en devenir. « C'était une institution, poursuit Khaya Mahlangu. Les plus jeunes venaient jouer lorsque l'orchestre résident faisait une pause. On a appris à la dure là-bas, si on n'arrivait pas à suivre les changements d'accords, on nous criait dessus : "Mec, tu n'entends pas la mélodie ou quoi ?". Et c'est aussi là que tous les musiciens de passage venaient, après avoir joué leur concert, car il y avait une grande culture de faire des bœufs. »  À lire aussiLes archives étonnantes sur les «années cachées» de la musique sud-africaine [2/3] Un endroit unique La boîte de nuit a été ouverte par les frères Michaels : Lucky, et sa personnalité très charismatique, aujourd'hui décédé ; et Leo, qui gérait l'établissement avec lui. « C'était l'un des premiers clubs multiraciaux d'Afrique du Sud, se rappelle Leo. Vous savez que le pays était très ségrégué à l'époque, et nous, nous avions des personnes blanches qui venaient même si c'était interdit pour elles de se rendre à Soweto. Cet endroit était vraiment unique. » C'est après avoir découvert des boîtes du Mozambique, avec des noms comme Flamingo, que les frères Michaels ont opté pour Pelican. L'établissement vendait illégalement de l'alcool et offrait aux habitants un rare espace de liberté. « On pouvait y aller pour échapper un peu à la pression de l'apartheid, pointe l'ancien propriétaire du club. Cela attirait des gens de tous horizons, des docteurs, des avocats, mais aussi de simples passants. La police faisait souvent des descentes, et on se retrouvait derrière les barreaux. Mais on payait une amende, et ensuite on recommençait comme avant. » Le Club Pelican a finalement fermé ses portes dans les années 1980, avec la montée des violences dans le township. Mais sa bande-son peut toujours s'écouter grâce à une compilation éditée par le label Matsuli Music. À lire aussiHistoire de la nuit africaine: l'African Jazz Village, lieu mythique de l'éthio-jazz

No podcast ‘Notícia No Seu Tempo’, confira em áudio as principais notícias da edição impressa do jornal ‘O Estado de S.Paulo’ desta quinta-feira (06/08/2026): Duas definições ocorridas ontem dão pistas do que pode ser um dos temas de campanha envolvendo os dois principais candidatos à Presidência. O deputado Alberto Gaspar (PL-AL), relator da CPI do INSS, será o vice na chapa de Flávio Bolsonaro (PL) após partidos do Centrão (PP, Republicanos, Podemos e União Brasil) optarem pela neutralidade. A estratégia do PL foi apostar eleitoralmente no escândalo dos descontos ilegais de aposentados do INSS e nas suspeitas envolvendo Fábio Luís Lula da Silva, o Lulinha, filho mais velho do presidente Lula. Também ontem, o cientista político Marco Aurélio Santana Ribeiro, o Marcola, ex-chefe de gabinete de Lula, se desligou do núcleo de comando da campanha petista. Ele saiu após a PF descobrir transferência financeira feita a ele pela empresária Roberta Luchsinger, amiga de Lulinha e apontada como lobista em negócios do “Careca do INSS”. Economia: BC reduz Selic em 0,25 ponto e decisão sobre novo corte fica em aberto Internacional: Para Lula, revogação de visto pelos EUA foi irresponsável Metrópole: País avança no Ideb, mas sem bater metas de 2021See omnystudio.com/listener for privacy information.

Hoy desenterramos tres videojuegos en los estratos más profundos del desarrollo independiente. Obras subterráneas que desafían la gravedad, reinterpretan los mitos clásicos del código o convierten la precisión en una disciplina casi litúrgica.En este diario examinamos tres juegos del Estante de Mecánicas Extravagantes y la Sección de Bucles Infinitos:

F&G National Product Call: Higher IUL Target Premiums, Exam-Free Limits & Quick Solve Pathsetter Walkthrough Larry Mallek and Amy Bruce of F&G explain recent updates making F&G IULs more profitable to sell, including significant target premium increases (up to 20%) across ages and face amounts on the Pathsetter product and expanded exam-free underwriting for many clients age 60 and under seeking $3–$5 million. They demonstrate the illustration software's "Run Quick Solve" feature to build accumulation and income scenarios quickly, discuss key illustration outputs (target premium, guideline annual premium/MEC room, surrender charges), and review loans (participating vs wash), overloan protection, capped loan rates at 5%, and living benefits. They compare Pathsetter for juveniles and accumulation versus Everlast for death-benefit-focused cases, address foreign nationals and underwriting turnaround factors, and point viewers to microsite index performance data and support contacts. 00:00 Welcome and Agenda 01:06 Target Premium Boosts 01:40 Exam Free Underwriting Expanded 02:56 Why Illustrate F&G Now 05:37 Quick Solve Demo Setup 08:57 Income Illustration Walkthrough 10:30 Overloan Protection Explained 12:36 Target Premium and Funding Limits 14:54 Handling IUL Criticism 16:31 Finding Index Performance Data 19:21 Quick Solve From Scratch 22:25 Max Fund and Underwriting Tips 27:18 Max Accumulation vs Quick Solve 28:54 Minimum Non MEC Option 33:12 Loan Rate Cap Advantage 35:11 Death Benefit Level vs Increasing 36:44 Level vs Increasing DB 37:38 Reducing Coverage Limits 38:38 Commissions and Targets 39:02 When to Take Loans 40:55 Loan Types Explained 43:07 Surrender Charges Basics 44:20 Loan Math and Taxes 45:28 Index History and Columns 48:33 Term Conversion Reality 50:58 Juvenile Underwriting Tips 51:45 Withdrawals vs Loans 53:06 Product Fit Pathsetter 53:48 Funding Juvenile Policies 55:41 Loan Interest Timing 01:00:48 Short Time Horizon Cases 01:02:29 Account vs Surrender Value 01:05:26 In Force Illustration Limits 01:08:06 Wrap Up and Resources

A straight life policy is simply the base of a whole life insurance contract: a level premium that never changes, a guaranteed death benefit, and guaranteed cash value. If you've been researching Infinite Banking, it's the same permanent insurance you've already been learning about, just under an older name. People run into "straight life" or "ordinary life" partway through their research and wonder if it's something different, something worse, or a red flag. It isn't. There's a second layer of confusion too: a straight life annuity is a completely different product, and we'll clear that up here as well. https://youtu.be/_2HpkNg68LY Below: what the term means, the three guarantees behind it, how it compares to limited pay, term, and universal life, and why its simplicity is a strength. Straight Life Is Just Whole Life: Here's Why the Name ExistsDo You Really Have to Pay the Premium Forever?The Three Guarantees of a Straight Life PolicyWhy the Premium Can Stay LevelStraight Life vs. Limited Pay: How Long Should You Pay?The Basic Trade-OffFinding the Balance PointTwo Cautions Worth KnowingHow Straight Life Compares to Term and Universal LifeStraight Life vs. TermStraight Life vs. Universal LifeStraight Life Insurance vs. a Straight Life Annuity (They're Not the Same)How the Payout WorksWhy the Simplicity of Straight Life Is a Feature, Not a FlawWhat "Straight" Really MeansThe Real Trade-OffIs a Straight Life Policy Right for You?Frequently Asked QuestionsWhat is a straight life policy?What type of premium does a straight life policy have?Is straight life insurance the same as whole life insurance?What is the difference between a straight life policy and a straight life annuity?Does a straight life annuity have a death benefit?What is the difference between straight life and limited pay?Why is straight life better than universal life for Infinite Banking?What are the three guarantees of a straight life policy? Key Takeaways A straight life policy (also called ordinary life) is the guaranteed base of a whole life insurance contract, not a separate or inferior product. It carries three guarantees: guaranteed death benefit, guaranteed cash value, and a guaranteed level premium. The base premium must be paid, but there's real flexibility in how, including dividends, cash value, and policy loans. The trade-off is slower early cash value in exchange for more guaranteed death benefit and often larger dividends over time. A straight life annuity is an entirely different product: an income stream for life with no death benefit. Straight Life Is Just Whole Life: Here's Why the Name Exists Straight life and ordinary life are older names for the same thing: the guaranteed base component of a whole life contract. Over decades of doing this work, we've seen "ordinary life" used far more often than "straight life." So why does the name carry a whiff of something negative? Because it predates the modern emphasis on cash value accumulation. When people used to think about whole life, they thought about this: straight, level payments for the rest of your life, a death benefit at the end. Nobody was talking about cash value or accessing capital along the way. Against today's marketing, that sounds bare-bones. But the product does exactly what it was designed to do. It provides a permanent death benefit for your entire life at a guaranteed premium rate. Yes, cash value accumulates within the design, and yes, you can access it. That's just not why it was built. If you've been learning about Infinite Banking, you've probably heard that policies are typically structured with a base premium plus paid-up additions (PUAs). Paid-up additions are extra payments that push more of your dollars toward cash value and less toward death benefit. A straight life policy is that same base contract without the PUA rider. Not a scam. Not a lesser product. It's the foundation. Nelson Nash himself, the founder of Infinite Banking, owned all base policies of the kind that used to be called ordinary life, and he used them his entire life. Do You Really Have to Pay the Premium Forever? This is the fear critics lean on. They'll say a straight life policy locks you into paying premiums for life with zero flexibility. And there's a kernel of truth in it: the base premium does contractually need to be paid, one way or another. The nuance is in that phrase "one way or another." There's real flexibility in how the base gets paid, because you can pay it internally, from the values already inside the contract: Use a dividend to pay or offset some of the base premium Use the cash value directly Borrow against your cash value with a policy loan Surrender previously purchased paid-up additions to cover it There's also an automatic loan provision you can elect when setting up the policy. If a premium isn't otherwise paid, a policy loan covers it automatically. And as a final option, one we don't recommend but which sits right there in the contract, you can elect what's called reduced paid-up. That lowers the death benefit to a point where the policy is fully paid up, and no further premiums are due. So no, you're not trapped. As we like to say around here, you don't have to pay the premium. You get to pay it. And even in a season where you can't, you have options, and several of them are very good ones. The Three Guarantees of a Straight Life Policy Think about what you're doing when you use whole life insurance for Infinite Banking. You're replacing a banking function you'd otherwise get from a bank, and banks guarantee your deposits, even if those guarantees rest on thinner ice than most people realize. If you're going to replace something that has guarantees, you want guarantees. Straight or ordinary whole life is the only permanent life insurance product that guarantees all three of the following. Not indexed universal life, not variable universal life, not universal life. Only whole life. 1. Guaranteed death benefit. The insurance company will pay the stated death benefit as long as the contract stays in force. Nevertheless, it can actually increase if your dividends purchase paid-up additions that increase the insurance in the contract, but it will never fall below what's illustrated. 2. Guaranteed cash value. Your policy has a cash value floor based on guaranteed interest, and that floor never drops, even if no dividends are ever paid. If your guaranteed cash value reaches $300,000, it will never be less than $300,000. One clarification: your accessible cash value can be reduced by an outstanding policy loan, since the loan is a lien against the policy. But the actual guaranteed cash value doesn't fall. 3. Guaranteed premium. The required premium will never be raised or lowered to keep the contract in force. Level, predictable, straight. Why the Premium Can Stay Level How can the premium stay level when the real cost of insuring you rises as you age? Because the insurance company averages the cost of insurance across your entire lifetime. It's lower than your true cost early on and higher than your true cost later, held flat the whole way through. Universal life works differently: the cost of insurance climbs every year as you age. One honest nuance, because full transparency matters here. Whole life contracts do contain a provision allowing the insurer to raise mortality costs in a catastrophic scenario, think a world war or devastating pandemic, up to a stated maximum. It exists so the company can keep its promises rather than go out of business. We've never seen a company invoke it.  Even through COVID, the CSO mortality tables didn't rise. And if it were ever triggered, universal life costs would rise far more. In practice, your premium does not increase year over year. Straight Life vs. Limited Pay: How Long Should You Pay? Both of these are whole life. The difference is the payment window. The Basic Trade-Off Straight life spreads your premiums across the full contract period. Modern contracts mature at age 120 or 121 (they used to run to 100 or 105). So a 60-year-old buying straight life is spreading the total cost over 60 years, which makes each year's premium relatively small. Limited pay compresses that same total cost into a shorter window: 10, 20, 30, or 40 years. Condense the payments, and each year's premium is larger. But the insurance company gets your money sooner and can compound it sooner, which means faster access to cash value for you. Compressing the schedule can even mean paying slightly less in total for the same death benefit. So the trade-off runs like this. Longer pay: smaller annual premium, slower early cash value. Shorter pay: bigger annual premium, faster capitalization. Finding the Balance Point Where's the balance? We tend to use policies in the 30 to 40 year pay range, because that window balances premium size against early cash value reasonably well. We're careful to frame this as a balance point, not a benchmark. A 25-year-old and a 60-year-old repositioning capital have completely different capacities to fund a policy, which is exactly why you need a strategist and not just information. Two Cautions Worth Knowing One caution on very short pay periods. Say you complete a limited-pay policy funded over just 10 years and love it so much you want more insurance in year 11. That contract is closed. You can't add to it. And if health problems have shown up by then, you may not qualify for a new one. A longer pay period, with the option to elect reduced paid-up later, preserves your flexibility. A brief note on MECs, since they come into this decision. A Modified Endowment Contract (MEC) is a policy that's been funded too quickly relative to its death benefit, which strips away life insurance's tax advantages. A pure base straight life policy doesn't run into MEC conc

There's a version of the life insurance conversation that comes with a velvet rope. Someone from the private client side of a bank or advisory firm tells you they have something they don't discuss with just anybody, and then they start explaining private placement life insurance. We've been on the receiving end of that call. This week we walk through what PPLI actually is, why the pitch sounds so good, and why the math almost never gets there. The concept is simple enough. Hedge funds and private equity throw off the kind of income that creates real tax headaches for high earners. So wrap the whole thing inside a life insurance policy and let the tax treatment of life insurance do the heavy lifting. If that sounds a lot like variable universal life to you, you're not wrong. Mechanically, it's the same animal with a different label on the investment sleeve. The problem is what happened after the idea got popular. Webber v. Commissioner settled the question of whether you get to hand-pick the funds inside the policy. You don't. The investor control doctrine requires you to stay out of the selection process entirely, which means what you actually own is an insurance-dedicated fund — a fund of funds, buying pieces of whatever managers are willing to participate. The managers with money beating down their door generally aren't willing to participate. Which tells you something about what ends up on the menu. Then there's everything else. A multi-million dollar, multi-year premium commitment you can't simply stop making. Less accessible cash value than a well-designed policy gives you. Insurance charges that run higher than what we see on indexed universal life, plus a separate layer of expense for owning the investments. And a very real possibility that the account goes down, because there's no floor under any of it. We also get into the bill Senator Wyden introduced in April 2026, which would strip life insurance tax treatment from most private placement contracts and would apply to policies already in force. It probably isn't going anywhere in this Congress. But things like it have a way of hanging around, coming back, and eventually getting compromised into law in some smaller form. Our conclusion after going through all of it: for nearly everyone being shown a PPLI proposal, a properly designed minimum non-MEC indexed universal life policy does the same job. Far less money required to start, far more access to your cash, and none of the compliance or legislative tail risk. Life insurance stands on its own merits. It doesn't need backroom secrecy to be worth owning. Been pitched PPLI and want a second opinion? Send us a message and tell us what you're looking at, or book a call and we'll walk through the numbers with you.

Confira os destaques do Jornal da Manhã deste domingo (19): As inscrições para o Fundo de Financiamento Estudantil (Fies) terminam neste domingo (19). O Ministério da Educação (MEC) havia ampliado o prazo para as inscrições até as 23h59 deste domingo. Para esta edição, são disponibilizadas 75,5 mil vagas, distribuídas em 1.274 instituições privadas de educação superior para ingresso em 28.741 cursos e turnos. A inscrição deve ser efetuada no Portal Acesso Único ao Ensino Superior. Reportagem: Danúbia Braga. O ministro Alexandre de Moraes, do Supremo Tribunal Federal (STF), negou uma solicitação para que o presidente da Argentina Javier Milei visite o ex-presidente Jair Bolsonaro (PL), que cumpre prisão domiciliar. Milei deve comparecer ao lançamento da candidatura de Flávio Bolsonaro (PL) à Presidência da República. Para Nelson Kobayashi, a restrição de comunicação não deveria existir. “A pena dele é de restrição da liberdade. Ele não tem pena de se calar”, comentou. Os partidos iniciam a definição oficial de seus candidatos que disputarão as eleições em outubro. O prazo para a escolha dos nomes vai até o dia 5 de agosto. Em entrevista ao Jornal da Manhã deste domingo (19), o cientista político Marcio Coimbra explica o peso das convenções partidárias no início da disputa eleitoral. A Associação Brasileira da Indústria do Plástico (Abiplast) se manifestou contra a nova taxação de 25% dos Estados Unidos a produtos brasileiros. De acordo com a Abiplast, a medida pode prejudicar diretamente a competitividade do Brasil no setor. Reportagem: Julia Fermino. O pré-candidato à Presidência da República Romeu Zema (Novo) afirmou que a definição do seu candidato a vice pode acontecer somente após as convenções partidárias. O prazo final estipulado para a homologação das chapas eleitorais segue até o início de agosto. Zema também ironizou a escolha do PT para a disputa do governo de Minas Gerais, Patrus Ananias. Reportagem: Camila Yunes. Os textos de quatro medidas provisórias não foram votados dentro do prazo constitucional e perderam a validade. Duas delas são projetos relacionados ao preço dos combustíveis. Um deles buscava manter segurar o preço nas bombas. Reportagem: André Anelli. O conflito entre Estados Unidos e Irã se intensificou e chegou a oitava noite de bombardeios. Os novos ataques ocorreram após a morte de dois soldados americanos. O professor de Relações Internacionais, Marcus Vinicius de Freitas, falou sobre a escalada da guerra em entrevista ao Jornal da Manhã neste domingo (19). O senador e pré-candidato à Presidência da República Flávio Bolsonaro (PL) criticou a Lei Maria da Penha e a classificou como um “pedaço de papel”. Flávio defendeu o endurecimento da pena para agressores e afirmou que a defesa das mulheres é pauta da direita. A declaração ocorreu durante evento do PL no Espírito Santos. Reportagem: André Anelli. O voto dos jovens entre 16 e 24 anos de idade tornou-se alvo estratégico das pré-campanhas à Presidência da República. Neste sábado (11), dados revelaram uma oscilação na liderança do segmento, indicando um recuo de Flávio Bolsonaro (PL) e um avanço de Luiz Inácio Lula da Silva (PT). A estratégia não é executada por acaso, uma vez que este público pode decidir uma eleição polarizada, conforme analisou o comentarista Nelson Kobayashi. A ex-primeira-dama Michelle Bolsonaro (PL) afirmou, neste sábado (18), que não existe possibilidade de integrar a chapa do pré-candidato à Presidência da República Romeu Zema (Novo). Ela repercutiu a uma declaração do ex-governador de Minas Gerais, que afirmou que Michelle é uma das opções para compor o cargo de vice em sua chapa. Zema também afirmou que o nome escolhido será divulgado após o período de convenções. Reportagem: André Anelli. Essas e outras notícias você acompanha no Jornal da Manhã. Learn more about your ad choices. Visit megaphone.fm/adchoices

Alexandre Garcia comenta alta na cesta básica no primeiro semestre, e MP de Lula que entrega ao MEC a organização de exame para futuros médicos.

¿Es verdaderamente el coche eléctrico el futuro indiscutible de la automoción gracias a su eficiencia, o nos están contando solo una versión cuidadosamente recortada de la historia? Durante años, nos han repetido sin cesar un discurso oficial y casi dogmático, tanto los "electrofans" como ciertos sectores de la industria: el motor eléctrico es una obra cumbre de la ingeniería capaz de alcanzar un espectacular noventa por ciento de eficiencia en su funcionamiento. Por el contrario, nos pintan al motor de gasolina o diésel como a un “dinosaurio” tecnológico, una reliquia humeante del pasado que apenas es capaz de aprovechar el treinta por ciento de la energía que consume. Hay que ver la vida con otros ojos y buscar puntos de vista diferentes para entender toda la verdad. Para descubrir qué tecnología es verdaderamente más eficiente en el mundo real, debemos aplicar sin trampas lo que los ingenieros denominamos el análisis "Well-to-Wheel", es decir, evaluar absolutamente todo el proceso energético desde el pozo de extracción hasta que la rueda pisa el asfalto. Porque la energía, por mucho que nos guste simplificar la realidad, no nace mágicamente al enchufar un cable en la pared de nuestro garaje ni al descolgar la pesada manguera en el surtidor de la estación de servicio. En la física aplicada al automóvil, esos temidos impuestos se pagan sistemáticamente en forma de calor desperdiciado. Cuando analizamos de forma fría esta cadena completa, el panorama idílico cambia por completo. Por el lado de los motores térmicos, nos encontramos con el fascinante “milagro líquido”. El petróleo no es otra cosa que pura energía solar que la naturaleza ha ido concentrando, empaquetando y "envasando" pacientemente a lo largo de millones de años de historia geológica. Su densidad energética es, hoy por hoy, un dato aplastante e imbatible que ningún laboratorio humano ha logrado replicar de manera viable. Hablamos de que un solo kilo de gasolina o de gasóleo es capaz de almacenar más de doce mil vatios-hora de energía latente. Haz la cuenta de este brutal abismo técnico: el combustible líquido es unas cincuenta veces más denso energéticamente. Gracias a esta maravilla de la química, con un pequeño depósito de apenas cincuenta kilos de peso —el equivalente exacto a esa pequeña maleta de mano que subes a la cabina del avión— puedes recorrer plácidamente entre ochocientos y mil kilómetros por autopista. Para intentar siquiera igualar esa misma hazaña con electricidad pura, estarías completamente obligado a montar en el chasis una gigantesca batería de setecientos kilos. A esto hay que sumarle una logística de transporte abrumadoramente eficiente. Por supuesto, toda esta tremenda perfección logística se desmorona de golpe cuando el líquido llega a los inyectores. El motor térmico, trabajando bajo sus inevitables límites, rompe la eficiencia. El propulsor de gasolina, bajo el ciclo Otto, aprovecha apenas dos euros y medio de cada diez que pagas, tirando todo el resto por el tubo de escape o el radiador. El diésel, trabajando por una mayor relación de compresión, mejora notablemente la jugada aprovechando cerca de cuatro euros de cada diez. Es un derroche mecánico, sí, pero su sistema de almacenamiento es tan absurdamente ligero que hemos podido permitirnos ignorar este lujo durante un siglo. Y ahora pongamos bajo la lupa al aspirante al trono. Mecánicamente, el coche eléctrico es una joya indiscutible. Sin pistones ni explosiones violentas, su motor convierte el noventa por ciento de la energía que recibe en movimiento. Si la carrera fuera solo dentro del capó, aplastaría sin piedad a los motores térmicos. Pero la electricidad sufre del "embudo invisible" de la red eléctrica. La corriente viaja por kilómetros de cables, pagando su peaje en forma de Efecto Joule. Desde la central hasta tu cargador, pierdes cerca del veinte por ciento de la energía. Los electrones, a diferencia de la gasolina, sí se pierden por el camino. Además, el eléctrico sufre la penalización del peso: debe vencer la inercia de cargar con media tonelada extra en cada semáforo y cuesta, destrozando su ventaja en eficiencia dinámica. El veredicto final de los números es claro. Para recorrer cien kilómetros, un gasolina requiere extraer sesenta y dos kilovatios-hora de la naturaleza; un diésel moderno exige cincuenta y dos; y un eléctrico puro se planta en cuarenta y ocho. El eléctrico gana, pero la diferencia real frente a un buen diésel es solo un margen estrecho, no el abismo prometido. Sumando a esto el tiempo de repostaje —tres minutos frente a largas recargas— la conclusión es que no hay una solución única. El eléctrico brilla en la ciudad, el diésel domina en las largas distancias por su eficiencia bruta, y la gasolina mantiene su indiscutible refinamiento.

Pesquisa do MEC revela o sucesso da lei sancionada pelo presidente Lula: 97% dos gestores apontam maior participação dos estudantes e 95% celebram a melhora na convivência. A medida reduz o cyberbullying e protege a saúde mental dos alunos, transformando a escola em um espaço de afeto e aprendizado. SONORA:

Aubrey Masango speaks to Speed Mashilo, MEC of Mpumalanga Department of Cooperative Governance, Human Settlements and Traditional Affairs (CoGHSTA) about what made this year’s initiation season in Kwa-Mhlanga a safe one, with 716 initiates welcomed home. Tags: 702, Aubrey Masango show, Aubrey Masango, Bra Aubrey, 716 Initiates, Speed Mashilo, Kwa-Mhlanga, Mpumalanga, Department of Cooperative Governance, Human Settlements and Traditional Affairs, CoGHSTA, Initiation School The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

"¿Por qué Enzo Ferrari dijo que el Jaguar E-Type era el automóvil más bello del mundo? Descubre esta loca historia..." En marzo de 1961, un coche británico de líneas increíbles debutó en el Salón de Ginebra prometiendo 240 km/h por una fracción del precio de un deportivo italiano. El mismísimo Enzo Ferrari lo bautizó públicamente como "el automóvil más bello del mundo", aunque en secreto sabía que podría ser su peor pesadilla. Así nació la leyenda del Jaguar E-Type, el primer superdeportivo asequible de la historia que obligó a sus rivales a replantearse el futuro. El nacimiento de un mito por accidente En la posguerra británica, Jaguar dominaba en los circuitos y en las 24 Horas de Le Mans, pero sus coches de calle comenzaban a quedar obsoletos frente a las estilizadas berlinettas italianas. La marca necesitaba un golpe de efecto. La clave del milagro fue Malcolm Sayer, un ingeniero aeronáutico que detestaba que lo llamaran diseñador. Armado con fórmulas matemáticas, Sayer esculpió el aire. Cada curva del E-Type fue calculada numéricamente para ofrecer la menor resistencia al viento. El coche no se diseñó para ser bello, sino para ser aerodinámico; su belleza sin igual fue, sencillamente, el accidente más feliz de la historia del motor. Una carrera contrarreloj hacia Ginebra La presentación en el Salón de Ginebra de 1961 fue una locura absoluta. La demanda de la prensa para ver el coche en movimiento fue tan abrumadora que William Lyons, fundador de la marca, ordenó a su piloto de pruebas, Norman Dewis, conducir un segundo prototipo (el mítico Roadster descapotable) durante toda la noche. Dewis cruzó desde Coventry hasta Suiza conduciendo bajo la lluvia y la niebla para llegar justo a tiempo a la presentación. El "Low Cost" demoledor La verdadera bomba cayó al desvelarse las cifras. El Jaguar E-Type ofrecía prestaciones de competición a un precio que rompió el mercado. Para entender el pánico que desató, basta con mirar la comparativa de precios en el mercado británico de 1961: -Aston Martin DB4: 240 CV | 3.967 libras. -Ferrari 250 GT Pininfarina: 240 CV | 5.600 libras (aprox. por aranceles). -Jaguar E-Type: 265 CV | 2.097 libras. Con lo que costaba el Ferrari, un aficionado podía comprarse el Jaguar, un coche familiar para el día a día, pagar el combustible de un año y pagarse unas vacaciones de lujo. De repente, el rendimiento estratosférico ya no estaba reservado únicamente a la realeza o a los magnates. Nota histórica: El aura mística del E-Type se consolidó al alcanzar las 150 mph (241 km/h) en las pruebas de prensa. La realidad es que aquellas unidades estaban "dopadas" mecánicamente por los ingenieros de Jaguar, pero al mundo no le importó esa pequeña mentira piadosa. Luces y sombras bajo el capó Mecánicamente, el E-Type era un portento gracias a su motor XK de 3.8 litros. Sin embargo, escondía un pozo de desesperación para los mecánicos: Refrigeración deficiente: La preciosa entrada de aire delantera era demasiado pequeña para el verano, haciendo que el agua hirviera con facilidad. Mantenimiento complejo: Conseguir que sus tres carburadores SU trabajaran en perfecta armonía requería un oído musical. Frenos ocultos: Para mejorar la dinámica, los frenos traseros se colocaron en el centro del eje (inboard). Cambiar unas simples pastillas implicaba descolgar todo el puente trasero. Sistema eléctrico Lucas: Conocidos irónicamente como "El Príncipe de las Tinieblas", los componentes eléctricos sufrían de cortocircuitos y fallos constantes. Evolución y decadencia El E-Type se adaptó a las exigencias del mercado a lo largo de los años: Serie 1 (1961-1964): El purasangre original con faros carenados y motor 3.8L (luego ampliado a 4.2L con mejor caja de cambios). Serie 2 (1968): Presionado por las normas de seguridad de EE. UU., perdió los cristales de los faros y modificó sus defensas, aunque mejoró su refrigeración y frenada. Serie 3 (1971): Las normativas de emisiones ahogaron al motor de seis cilindros, obligando a instalar un pesado V12. El coche se alargó, convirtiéndose en un Gran Turismo hasta su fin en 1974. Conclusión El Jaguar E-Type demostró que la excelencia en ingeniería y el diseño de vanguardia podían desafiar los precios prohibitivos, ganándose por derecho propio el título del coche más bello del mundo.

The Data Usability Assessment (DUA) is a defined process that considers whether data meet project data quality objectives (DQOs) as they relate to the decision to be made and evaluates whether data are suitable for making that decision. DUAs are critical to ensuring that Munitions and Explosives of Concern (MEC) and munitions constituents (MC) data are of the right type, quantity, and quality to meet project DQOs. The project-specific requirements for conducting the DUA process are defined during the Systematic Planning Process and documented in the project-specific QAPP. This webinar will discuss the DUA process for both MEC and MC during remedial investigation and remedial actions. At the end of this webinar, attendees will be able to explain the purpose of DUA, identify the project team members required to participate, select the appropriate inputs, conduct the assessment, and document the DUA outputs. Presentations will be suitable for the varied M2S2 webinar audience, which typically includes government, regulator, and contractor attendees, and there will be opportunities for questions and discussion. To view this archive online or download the slides associated with this seminar, please visit http://www.clu-in.org/conf/tio/m2s2fy26-2_062526/

The Data Usability Assessment (DUA) is a defined process that considers whether data meet project data quality objectives (DQOs) as they relate to the decision to be made and evaluates whether data are suitable for making that decision. DUAs are critical to ensuring that Munitions and Explosives of Concern (MEC) and munitions constituents (MC) data are of the right type, quantity, and quality to meet project DQOs. The project-specific requirements for conducting the DUA process are defined during the Systematic Planning Process and documented in the project-specific QAPP. This webinar will discuss the DUA process for both MEC and MC during remedial investigation and remedial actions. At the end of this webinar, attendees will be able to explain the purpose of DUA, identify the project team members required to participate, select the appropriate inputs, conduct the assessment, and document the DUA outputs. Presentations will be suitable for the varied M2S2 webinar audience, which typically includes government, regulator, and contractor attendees, and there will be opportunities for questions and discussion. To view this archive online or download the slides associated with this seminar, please visit http://www.clu-in.org/conf/tio/m2s2fy26-2_062526/

Didi Braguinha e André Rumjanek mergulham em uma conversa sobre mecânicas de jogos que despertam fascínio — e outras que afastam completamente alguns jogadores. Partindo de jogos digitais ociosos e sistemas de programação de ações, a dupla explora como diferentes formas de tomada de decisão moldam a experiência à mesa, discutindo previsibilidade, caos, planejamento e o prazer de ver uma estratégia finalmente funcionar.Ao longo do episódio, eles também refletem sobre condições de vitória, jogos cooperativos e competitivos, a influência dos componentes físicos na percepção de valor dos jogos modernos e como certas mecânicas podem transformar completamente a relação de alguém com um título. Entre histórias pessoais, exemplos de partidas memoráveis e algumas inevitáveis tangentes sobre Fórmula 1, colecionismo e preservação de jogos, o papo acaba revelando muito sobre o que cada jogador realmente busca quando senta à mesa.Para saber mais sobre este episódio e os jogos mencionados: ⁠Planejamento, Caos e Mecânicas Polêmicas nos Board GamesSe você ainda não conhece ou faz parte, fale conosco no nosso ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabuloso Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.E para as redes sociais: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabuloso Podcast no ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabuloso Podcast no YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabuloso Podcast no TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Para comprar camisa do Fabuloso (e outras):⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Deselegante⁠⁠

Alejandro Dolina, Patricio Barton, Gillespi Introducción • 0:00:00 Apertura y festejo por los 40 años del programa Segmento Inicial • 0:01:28 Rechazo humorístico a hablar del Mundial y coberturas desde el exterior • 0:04:51 Presentación de funciones en Avellaneda, Canning y Rosario • 0:06:15 Consejos para recibir a un novio extranjero • 0:36:35 Desconfianza sobre romances a distancia y mudanzas por amor • 0:44:10 Mensajes de oyentes y comentarios varios • 0:54:47 Anécdota sobre la declaración de Huésped de Honor en La Plata • 0:54:47 Debate sobre el plural de modestia y el tono mayestático Segmento Dispositivo • 0:58:19 Ojos y miradas en mitos e historias antiguas • 0:58:36 Odín sacrifica un ojo en la fuente de Mimir • 1:00:33 Panku y la creación del mundo desde su propio cuerpo • 1:02:50 Mitos griegos sobre Argos, las Grayas y Perseo • 1:05:37 El ojo de Horus como amuleto protector • 1:08:13 Humbaba y las miradas petrificantes • 1:09:19 Creencias antiguas sobre la vista y el emperador Shenong • 1:11:07 "A unos ojos" ♫ por Antonio Tormo Segmento Humorístico • 1:15:38 Servicios atendidos por novatos y precarización laboral • 1:17:13 Peluqueros principiantes y riesgos del oficio • 1:21:29 Electricistas inexpertos y accidentes domésticos • 1:22:51 Tatuadores nuevos y errores permanentes • 1:26:06 Mecánicos, farmacéuticos y gasistas sin experiencia • 1:32:24 Odontólogos, colectiveros novatos y defensa irónica de la juventud • 1:36:12 Burla a la figura del locutor y automatización radial Sordo Gancé / Manuel Moreira • 1:40:26 Presentación de Manuel Moreira • 1:42:33 "El ciego de la piedad" ♫ • 1:45:33 "En estos días" ♫ (Silvio Rodríguez) • 1:48:57 "Milonga de pelo largo" ♫ • 1:51:36 Comentarios sobre la trompeta de Gillespi • 1:53:42 Pedido de "Las hojas muertas" (Resumen generado automáticamente con IA, puede contener errores)

Hello June, and hello to this new edition of Engage Weekly! Get a recap of the MEC's and stay tuned for updates from your Union when they head to SLC next week for their next regular meeting. All links and additional information can be found in this week's MEC News! 

In this twelfth installment, James explains Modified Endowment Contracts (MECs), how they occur, and why policy design should focus on long-term performance rather than maximizing early cash value. He discusses MEC limits, policy flexibility, and common misconceptions surrounding overfunded whole life insurance. As always, we hope you enjoy the episode, and thank you for listening!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

https://www.givesendgo.com/wrap-around-the-punt-familyBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans delivers the third installment of the IBC Master Class, walking through the mechanics of policy loans and making an urgent case for why protection must come before growth. Hans implores fathers to button up their protection plan before chasing the next moonshot investment. He then transitions into the technical heart of the episode: how policy loans actually work, why they're the most powerful lending tool available to consumers, and how this single mechanism lets you keep your money compounding while you put it to work elsewhere.Chapters: 00:00 – Opening segment 01:00 – Recap of Parts 1 and 2: cash value, base premium, PUA, and the MEC line 05:30 – A father's tragedy and a wake-up call 08:30 – Why "buy term and invest the difference" leaves families exposed 11:25 – Protect, save, grow: the proper order of operations 13:30 – The three types of economic death (Solomon Huebner) 18:35 – The Accelerated Death Benefit Rider: a free lifeline most people ignore 20:15 – Waiver of premium and how a policy becomes self-completing 23:00 – Setting up the policy loan illustration24:35 – The three players: cash value, the insurance company, and your bank account 27:25 – Why moving money from savings, stocks, or HELOC depletes the source 29:50 – Using the death benefit as collateral (and why the company says yes) 32:20 – The certainty of repayment: why there's no schedule, application, or credit check 36:40 – The mortgage comparison: what changes when the lender is the guarantor 40:05 – Bitcoin-collateralized loans vs. policy loans: control and stress 43:45 – The 100% rate of return: how you become the banker 48:00 – What the illustration doesn't show you: capital working in multiple places 50:50 – Non-direct recognition: getting the full dividend regardless of loans 52:55 – The free rider that becomes a lifeline (revisiting accelerated death benefit) 57:50 – Closing thoughts Key Takeaways:Protect, save, grow is the order, not a suggestion. Optimizing for IRR while leaving protection gaps builds a skyscraper on sand. One accident, illness, or long-term care event can wipe out every growth asset you've ever acquired.The policy loan is the most effective lending tool a consumer has access to. No application, no credit check, no schedule, no amortization, no questions asked. Because the insurance company is the guarantor of the collateral, they have certainty of repayment and don't care when you pay it back. Your cash value never gets touched. The company lends you their money and collateralizes your death benefit. Your full cash value keeps compounding, your dividends are calculated on the full policy value, and your capital stays working. The Accelerated Death Benefit Rider is a free lifeline most policyholders forget exists. A specific medical condition, chronic illness, or terminal diagnosis lets you advance your death benefit while you're still alive. You become the banker by spreading on your own capital. Borrow at 5%, invest at 10%, and you've replicated what commercial banks do. That's a 100% rate of return on the spread. The illustration doesn't show the whole picture. The cash value column shows uninterrupted compound growth, but it doesn't reveal that the same capital can be funding rental properties, syndicates, and options trades simultaneously. 

The history of money explains why the financial system works the way it does today. In this episode, Jim and Nick walk through the major shifts that changed the American financial landscape, from the gold standard to fiat currency, the rise of Wall Street retirement plans, and the creation of the MEC line. They unpack how control of capital slowly moved away from individuals and toward governments, banks, and financial institutions. Along the way, they explain why wealthy families continued using whole life insurance while the public was encouraged to move money into qualified plans and market-based products. The conversation also covers universal life insurance, policy efficiency, and why long-term stability matters more than flashy illustrations. Understanding these historical shifts helps explain why Infinite Banking remains relevant for people seeking greater control, liquidity, and long-term certainty. Key Takeaways: - The gold standard placed limits on monetary expansion - Fiat currency accelerated inflation and currency debasement - ERISA and 401(k)s redirected capital toward Wall Street - Whole life insurance remained a core asset for wealthy families - Long-term policy strength matters more than short-term efficiency Chapters 00:00 Lessons From History 02:54 The Gold Standard Explained 05:15 Nixon Ends the Gold Standard 06:39 Fiat Currency and Inflation 07:43 ERISA, 401(k)s, and Wall Street 10:00 The Shift Away From Whole Life Insurance 12:22 Universal Life and Policy Design Risks 14:49 MEC Lines and the 7-Pay Test 19:38 Why Fragile Policies Break Down 21:09 Why Wealthy Families Kept Using Whole Life Insurance ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans returns for Part 2 of the IBC Masterclass, picking up where the first conversation left off. If Part 1 was about understanding what cash value actually is, this episode is about why your policy is structured the way it is, why you can't just dump everything into PUA, and what a real whole life illustration actually looks like line by line.Chapters: 00:00 – Opening segment 03:35 – A brief history of the Modified Endowment Contract (MEC) 07:20 – Section 7702 and the tax benefits that make whole life work 10:35 – The arbitrary 7-year test and how Congress drew the line 17:45 – Why faster payment timeframes require larger premiums 20:30 – Visualizing the MEC line: where the IRS draws the boundary 24:15 – The consequences of MECing a policy (losing your tax benefits) 27:20 – Introducing the term rider: the third type of premium 29:40 – How a small term premium raises your MEC ceiling 31:50 – The 50/50 vs 20/80 tradeoff and when term riders are needed 35:50 – Reading the premium breakdown page 36:50 – Guaranteed vs non-guaranteed sides of the ledger 38:20 – The three assumptions baked into every illustration 45:50 – When your dividend exceeds your base premium 46:30 – Calculating year-over-year growth as a "savings rate" 50:20 – Why you never want premium payments to stop 53:20 – Closing segmentKey Takeaways:Whole life insurance is so powerful that financial services firms had to lobby Congress to restrict it. In the 1980s, money flooded into whole life because CPAs were directing wealthy clients to use single-pay policies as a tax-favorable wealth transfer tool. Mutual fund companies, losing market share, lobbied for what became the 1988 TAMRA legislation and the Modified Endowment Contract rules. The MEC line is the boundary your agent is structuring around. Section 7702A says that if you pay up your death benefit faster than seven years, your policy loses its life insurance tax treatment and becomes a Modified Endowment Contract. Once “MEC'd”, you cannot reverse it. Policy loans, cash value growth, and dividends all become taxable. The term rider exists to expand your PUA allowance. By adding a small amount of term premium (often a few hundred dollars), you buy a large chunk of additional death benefit cheaply. That raises the MEC ceiling, which lets you pay more PUA premium without crossing the line.The more you dial down base in favor of PUA, the more term you need. A 50/50 policy usually doesn't need a term rider. A 20/80 structure does. The tradeoff: more PUA means faster cash value, but it requires more careful structuring to stay under the MEC line.A properly structured policy hits profitability fast. In the Jinx McCashValue example, the policy generates more cash value than premium paid by year three. By year 17, $20,000 of premium creates $41,000 of cash value growth in a single year. By age 65, the dividend alone exceeds the entire annual premium.You should want to keep paying premium for as long as possible. Once your dividend exceeds your premium, every additional payment is a deeply discounted purchase of future tax-free growth. Hans frames this as capitalizing your system, not funding an expense. The day you have to stop paying is the day to be sad, not the day you've been waiting for.

Most people buying whole life insurance leave 40-60% of potential cash value on the table. Here's why.