Podcasts about MEC

Hans and Brian break down the four-stage framework for infinite banking mastery, drawn from Factum Financial's work observing how practitioners actually use their policies over time.Most people who buy a whole life policy think they're "doing infinite banking." They're not. They're at Stage One—and most never make it past Stage Three. This episode walks through the progression from Saver to Wealth Builder to Business Banker to Infinite Banker, and explains why defining success is the only way to stop chasing "more" forever.The conventional approach to money says sacrifice now, maybe live on rice and beans, and hope for abundance at 65. The infinite banking model allows you to live in abundance now while building exponentially greater wealth for future generations—but only if you understand what stage you're in and where you're actually going.Chapters: 00:00 - Opening segment03:40 - Why most life insurance is just a drawer document04:50 - Stage One: The Saver (financial education, awareness, saving strategy)06:30 - Why getting the policy doesn't make you proficient08:00 - Stage Two: The Wealth Builder (adding debt strategy and investing strategy)11:15 - Understanding policy loan mechanics and efficient cash flow capture12:00 - Multiple uses of your dollar: saving and debt repayment simultaneously12:35 - Stage Three: The Business Banker (comprehensive integration)14:00 - Raising deductibles and optimizing cash flow across all insurance16:05 - Asset protection and trust structures17:35 - The synergistic effect when investing strategies tie back into the system18:00 - Stage Four: The Infinite Banker (maximum control and financial freedom)18:25 - Jason Lowe's family with 77 policies financing nothing through banks20:05 - The five areas of life: spiritual, personal, family, financial, occupation22:35 - Hans's financial goals: zero budget on health/longevity and slow travel24:30 - Why you need to get comfortable with material goals26:00 - Finance as the area that spreads across everything else27:35 - Even a simple quiet life requires getting financial loose ends tied up29:10 - Leaving disorder vs leaving a legacy31:30 - Identifying which stage you're in and continuously optimizing32:25 - Recap of the four stages32:35 - Contrasting with the conventional "no control" financial planning model34:40 - Closing thoughts Key Takeaways:Stage One - The Saver: Getting the policy in place with financial education, awareness, and a saving strategy. Understanding why you have a term rider, what your MEC limit is, and the basic structure. Many clients can't fully explain these elements a year after purchase—that's normal, but it means you're still at Stage One.Stage Two - The Wealth Builder: Adding debt strategy and investing strategy on top of the whole life chassis. Using policy loans efficiently, understanding being your own banker, and making your dollars work in multiple places simultaneously. Most Remnant Finance clients are here.Stage Three - The Business Banker: Treating family cash flow like a business. Comprehensive integration of cash flow management, optimized insurance strategies (raising deductibles to maximize inflows), asset protection, and trust structures. The synergistic effect where investments flow back into the entire system.Stage Four - The Infinite Banker: True financial freedom with maximum control over your entire financial life. Multi-generational legacy where the next generation understands and participates. 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 SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Stephen Grootes speaks to Mr Francois Adrianus Rodgers, MEC for Finance in KwaZulu-Natal about the breakthrough that will allow Ithala Bank depositors to access their funds before the end of December, after nearly a year of uncertainty. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     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/CapeTalk 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/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

A prece é o dever primordial de toda criatura humana, o primeiro ato que deve marcar o início de cada dia. Mas quantos de nós realmente sabemos orar?Oração Mecânica ou Oração do Coração?Muitas vezes, transformamos a oração em um hábito mecânico, articulando frases automaticamente, cumprindo um dever que nos pesa. Mas que importância têm essas palavras vazias diante do Senhor?A verdadeira prece deve nascer do coração. Ao despertar, quando o Espírito retoma o jugo da carne, devemos elevar nossos pensamentos aos pés da Majestade Divina com humildade e profundidade, em reconhecimento por todos os benefícios recebidos.O Que Devemos Pedir?É comum vermos pessoas que dizem: "Não vale a pena orar, pois Deus não me atende". Mas o que pedimos a Deus? Frequentemente, rogamos pelo sucesso em empreendimentos terrenos, por riquezas, pela diminuição de nossas provas.Deveríamos, em vez disso, pedir os bens mais preciosos: paciência, resignação e fé. Deveríamos suplicar por nossa melhoria moral. Quando descemos ao fundo de nossa consciência, quase sempre encontramos em nós mesmos o ponto de partida dos males de que nos queixamos.A Prece ContínuaA oração não precisa se limitar aos momentos em que nos recolhemos ao oratório ou nos ajoelhamos. A prece do dia é o cumprimento de nossos deveres, sem exceção.Assistir um irmão em necessidade não é um ato de amor a Deus? Elevar o pensamento ao Criador quando uma felicidade nos advém não é reconhecimento? Humilhar-se diante do supremo Juiz quando sentimos que falhamos não é contrição?A prece pode estar presente em todos os instantes, sem interromper nossos trabalhos. Ao contrário, ela os santifica.A Força do Pensamento SinceroUm único pensamento que parta do coração é mais ouvido pelo Pai celestial do que longas orações ditas por hábito, repetidas maquinalmente apenas porque chegou a hora convencional.Que possamos compreender que a verdadeira oração não está nas palavras decoradas, mas na sinceridade do coração, no desejo genuíno de melhoria e no reconhecimento constante da presença divina em cada momento de nossa vida.Oremos com o coração, vivamos em prece.

Héctor Latorre revela los principios psicológicos y emocionales que te ayudarán a conectar genuinamente con los demás, causar una excelente primera impresión y proyectar confianza y poder personal. Descubre las claves para gustar sin fingir, cómo distinguir la manipulación de la persuasión auténtica, y cómo usar tu lenguaje corporal para generar atracción y respeto.Héctor de la Torre es especialista en carisma, comunicación persuasiva y lenguaje no verbal. Ha ayudado a miles de personas a proyectar seguridad, mejorar su presencia y conectar con más facilidad en cualquier entorno social o profesional.

Após golpe militar na Guiné-Bissau, Domingos Simões Pereira e alguns líderes do PAIGC foram detidos. Golpe aumenta incertezas sobre regresso da RTP e da Lusa à Guiné-Bissau. Governo moçambicano anula exames finais da 9ª classe após vazamento. ANAPRO denuncia existência de um suposto "sindicato do crime" por detrás do caso.

Lester Kiewit speaks to Mireille Wenger, the Western Cape MEC for Health and Wellness, about their violence prevention programme, Planet Youth. Planet Youth was developed in Iceland in is now used in over 19 countries, and was piloted in the Western Cape town of George in 2023 and now being scaled up across the province. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i 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/@CapeTalk567See omnystudio.com/listener for privacy information.

Hablamos con Marcos Pérez, ingeniero e investigador de accidentes de tráfico dentro del Congreso Internacional de Investigación de Accidentes de Tráfico CESVIMAP 2025 1. Quién es Marcos Pérez y a qué se dedica • Ingeniero mecánico, reconstructor e investigador de accidentes de tráfico. • También es ponente en el Congreso de Investigación de Accidentes de Tráfico. • Trayectoria: • Empieza en el Departamento de Ingeniería Mecánica de la Universidad de Vigo. • Allí se integra en un grupo de investigación de accidentes de tráfico. • Lleva trabajando en esto desde 2001. • En 2007, al terminar su proyecto fin de carrera y finalizar el proyecto universitario, crea una empresa independiente junto con su antiguo jefe (ahora socio), centrada en: • Investigación y reconstrucción de accidentes. • Temas técnicos ligados al automóvil. 2. La “caja negra” que todos llevamos: el teléfono móvil • Idea central de su ponencia: • Además de las “cajas negras” de aviones o EDR en vehículos, todos llevamos una especie de caja negra en el bolsillo: el móvil. • Las compañías de telefonía y servicios (ej. Google) registran movimientos y ubicaciones de las personas. • La DGT ya hizo un piloto hace años usando datos de posicionamiento de móviles para estudiar movimientos de la población. • Marcos explica cómo extraer esos datos de los teléfonos y utilizarlos en: • Investigación de accidentes de tráfico. • Determinación de la posición y trayectoria de una persona. 3. Aplicación práctica: atropellos de peatones • Más allá de coches y motos, el móvil es muy útil en atropellos de peatones. • Si el peatón lleva el móvil encima (bolsillo, mochila, etc.), se pueden obtener: • Trayectoria previa (por dónde venía caminando). • Velocidad del peatón en un instante concreto, via GPS. • Si ese instante coincide o está muy próximo al momento del accidente: • Se obtiene un dato de velocidad muy fiable. • Ese dato ayuda a reconstruir qué estaba haciendo el peatón y puede aportar indicios relevantes sobre la responsabilidad en el atropello. • Importante: no sustituye a las demás pruebas, es una fuente de datos adicional. 4. Evolución de la calidad de los datos de ubicación • Antes, si se llevaba el GPS del móvil activado, se registraba un dato de localización cada segundo o casi. • Cambios recientes por normativa europea de privacidad: • Se limita la recogida y almacenamiento de datos en servidores (ej. Google). • Ahora la información se almacena mucho más en el propio móvil y menos en la nube. • El móvil tiene capacidad limitada, así que guarda menos puntos de datos. • Ejemplo personal de Marcos: • Historial de ubicaciones activado desde 2013. • Antes: el archivo ocupaba unos 2 GB. • Ahora: ocupa solo 78 MB. • Conclusión: la densidad y continuidad del dato se ha reducido mucho, lo que limita la precisión temporal para reconstrucción. 5. Especialización en automóvil: más allá de la reconstrucción “clásica” La empresa de Marcos se ha ido especializando de forma muy vertical en el automóvil: 1. Reconstrucción de accidentes de tráfico 2. Accidentes singulares / reclamaciones singulares: • Airbags que no se activan o que funcionan de forma presuntamente incorrecta. • Posibles defectos de funcionamiento de vehículos. 3. Análisis de averías en garantía: • Evaluación técnica de averías en vehículos aún en periodo de garantía. 4. Investigación de incendios en vehículos: • Investigan la causa técnica del incendio, no valoran económicamente (no hacen la peritación de daños). • Analizan incendios en vehículos y, en algunos casos, incendios en estructuras solo cuando hay un vehículo implicado. 6. Casos complejos y colaboración con Guardia Civil (UCO) • Su alta especialización en automóvil les lleva a colaborar en casos de relevancia penal y mediática: • Colaboración con la UCO de la Guardia Civil en el caso DIANA QUER: • Su empresa ayudó a identificar un vehículo a partir de imágenes. • Otros casos citados: • Caso Manuel Achavero (Badajoz). • Un caso en Valladolid que todavía no está juzgado. • También se encuentran con: • Guardarraíles (biondas) que funcionan y otros que no, • Colisiones con otros medios de transporte. • Hay temas que aún no puede detallar porque están pendientes de resolución judicial, con compromiso de explicarlos en profundidad una vez estén juzgados. Vídeo completo: https://youtu.be/ZpMOeuSaDAE?si=vBMdNQ8jbWb2S5_e

Here is your recap of the MEC's week from their regular meeting session in Newport Beach, CA. Be on the lookout for a meeting summary from this November's meeting The Delta Pilot Uniform Program vendor selection is underway Delta pilots support fellow pilot groups on the picket line this week UNH polling wraps up today. If called, please provide your feedback! Get additional news nuggets from Contract Admin, CASC, PAN, DPAC, and select LECs in this week's episode and in MEC News! Have a good weekend!

NC Cast | Descomplicadamente Ft. Andreia Riveira No ar mais um episódio do quadro Descomplicadamente, com Lara Vieira (@vieiralara) e Gaby Gouvêa (@gabygouvea_) em uma conversa sincera e necessária sobre saúde mental no ambiente de trabalho. A convidada da semana é Andreia Riveira (@andreia.riveira), Psicóloga Cognitivo-Comportamental, palestrante, Founder & CEO da Cognitree e idealizadora do Encontro D’elas | Empreendedoras Cristãs — um movimento que inspira mulheres a unirem fé, propósito e empreendedorismo. Andreia é uma profissional que tem ajudado empresas e pessoas a entenderem o valor de cuidar da mente sem perder o propósito e a produtividade. Neste episódio, o papo é sobre como equilibrar emoções, fé e carreira, enfrentando os desafios da rotina profissional sem se perder no ritmo acelerado do dia a dia. Um episódio para quem busca viver com mais propósito, equilíbrio e leveza — dentro e fora do trabalho. Se inscreva no canal, ative o sininho e compartilhe esse episódio com alguém que precisa desse lembrete hoje! _____________________ Converse com a gente:Instagram @nacontramaortmWhatsApp da RTM (11) 97418-1456 Patrocinador:Mais do que oferecer ensino de qualidade, a UniEVANGÉLICA forma pessoas com propósito. São 78 anos transformando vidas por meio da educação, do ensino infantil à pós-graduação, mestrado e doutorado. Com dezenas de cursos presenciais e EAD, a instituição une excelência acadêmica, princípios cristãos e uma visão global, com convênios internacionais que ampliam as oportunidades dos alunos. Destaque em rankings nacionais e reconhecida pelos altos índices do MEC, a UniEVANGÉLICA prepara cidadãos éticos, conscientes e prontos para transformar o mundo. Aqui, tradição, inovação e fé caminham juntas. Quer ir mais longe? Acesse unievangelica.edu.br. #NCCast #Descomplicadamente #AndreiaRiveira #SaúdeMental #VidaProfissional #Psicologia #Cognitree #FéETrabalho #Autocuidado #EquilíbrioEmocional #CristianismoRelevante #FéSemSee omnystudio.com/listener for privacy information.

Mec is one of New York's fastest-rising comedic talents, known for his raw, unfiltered humor and viral funny skits that are taking social media by storm. His timing, creativity, and real-life storytelling make him stand out as a new voice in comedy. From street-style sketches to relatable everyday characters, Mec is building a powerful lane of his own — and the numbers are proving it.Now he steps into The Rome Show Podcast for a must-watch conversation about his grind, his growth, and the future of comedy.Strong. Authentic. Hilarious.Mec is next up

Mais um episódio do quadro Desaprendendo a Bíblia, com Carlos Pellerin (@pellerincarlos) e Pr. JP Gouvêa (@joaopaulo.gouvea) — pastor na Igreja Batista Chácara Flora (@ibchacaraflora), professor e apresentador na RTM — junto com o Pr. Jônatas Hübner (@jonatashubner), pastor na Igreja Batista Nações Unidas (@ibnusaopaulo). Neste episódio, o trio questiona interpretações distorcidas que se infiltraram na fé cristã, convidando você a voltar às Escrituras com olhar renovado e mente aberta. Um papo direto, profundo e necessário para quem deseja viver um cristianismo sólido, centrado na verdade da Palavra. Se inscreva no canal, ative o sininho e compartilhe esse episódio com quem busca compreender a Bíblia além dos clichês! _____________________ Converse com a gente:Instagram @nacontramaortmWhatsApp da RTM (11) 97418-1456 Patrocinador:Mais do que oferecer ensino de qualidade, a UniEVANGÉLICA forma pessoas com propósito. São 78 anos transformando vidas por meio da educação, do ensino infantil à pós-graduação, mestrado e doutorado. Com dezenas de cursos presenciais e EAD, a instituição une excelência acadêmica, princípios cristãos e uma visão global, com convênios internacionais que ampliam as oportunidades dos alunos. Destaque em rankings nacionais e reconhecida pelos altos índices do MEC, a UniEVANGÉLICA prepara cidadãos éticos, conscientes e prontos para transformar o mundo. Aqui, tradição, inovação e fé caminham juntas. Quer ir mais longe? Acesse unievangelica.edu.br. #NCCast #DesaprendendoABíblia #CarlosPellerin #PrJPGouvêa #PrJonatasHubner #TeologiaNaPrática #CristianismoRelevante #FéInteligente #ReflexãoCristã #IBNU #IgrejaBatistaChácaraFlora #RTM #EstudoBíblicoSee omnystudio.com/listener for privacy information.

Why the Indexed Universal Life lawsuit is a wake-up call The headlines about the Kyle Busch vs Pacific Life indexed universal life lawsuit sparked the same question I hear from thoughtful families: is my policy designed to serve me, or to serve a sales incentive? This isn't tabloid noise. It's a real-world reminder that choices around products, product design, and behavior determine outcomes. When insurance gets framed like an investment, confusion wins—and families pay for the confusion later. https://www.youtube.com/live/3aLnzmv2dlc Behind the headlines is a deeper issue many families face: when insurance starts getting pitched as an investment, people get hurt. This indexed universal life lawsuit isn't just celebrity drama. It's a cautionary tale about design choices, incentives, and behavior—three ingredients that make or break outcomes. Why the Indexed Universal Life lawsuit is a wake-up callWhy this Indexed Universal Life lawsuit matters to you1) What actually happened in the Kyle Busch vs Pacific Life case2) What Indexed Universal Life is designed to do (and why the moving parts matter)3) Why Indexed Universal Life is usually a poor fit for Infinite Banking4) The commission conversation: what really matters5) Red flags to spot in any IUL illustration6) The behavior factor: decisions drive outcomes7) Where IUL can make sense—and where it doesn't8) How to review your current policy or a proposal in 20 minutesWhat this Indexed Universal Life lawsuit teaches usListen to the full episode on the Indexed Universal Life lawsuitBook A Strategy CallFAQWhat is the Kyle Busch vs Pacific Life indexed universal life lawsuit about?Is an indexed universal life policy a good fit for Infinite Banking?Are whole life policies safer than IUL for building cash value?How do agent commissions affect IUL performance?What red flags should I look for in an IUL illustration?Can IUL still make sense for estate planning?What's the simplest way to protect myself before buying?Is life insurance an investment?What should I do if I already own an IUL? Why this Indexed Universal Life lawsuit matters to you Here's the premise: The Kyle Busch vs Pacific Life indexed universal life lawsuit is shining a bright light on how certain policy designs and sales incentives can set people up for disappointment. Our goal in this article is to unpack what happened at a practical level, explain why it happened, and give you a simple framework to evaluate your own policy or a policy you're considering. What you'll get: A clear understanding of indexed universal life (IUL) mechanics—caps, participation rates, floors, and charges Why IUL is often a poor fit for Infinite Banking, and where it can make sense How agent compensation and death benefit decisions impact performance The difference between marketing hype and durable guarantees A short checklist of questions to ask before you sign anything We'll speak plainly. We'll respect your intelligence. And we'll give you steps to protect your family and your capital. 1) What actually happened in the Kyle Busch vs Pacific Life case Bruce here. Based on the widely discussed analysis from respected product designer Bobby Samuelson, the policy at the center of this story was a complex indexed universal life contract. The pitch focused on future “income.” The design featured a very high death benefit, which increases internal charges and agent compensation. It also appears the early-year cash value was constrained by both high expenses and allocation choices, and that funding didn't match the schedule the clients initially expected. The result: heavy costs, lower-than-expected performance, and ultimately a policy lapse after substantial premiums were paid. Rachel again. Two principles jump out. First, when life insurance is positioned as an investment promising tax-free income, the conversation gets blurry fast. Second, the higher the initial death benefit, the higher the internal costs—especially for a client with added risk factors. Costs matter most in the early years. If they consume the lion's share of premiums, policy cash value will suffer, and a lapse risk can rise. Takeaway: A policy can look good on a spreadsheet and still be fragile in real life if the design incentives and assumptions don't align with your actual goals. 2) What Indexed Universal Life is designed to do (and why the moving parts matter) Bruce here. IUL ties crediting to an index such as the S&P 500 with caps and participation rates. You don't get the full index return. You get a portion, limited by the carrier's rules. You also don't take index losses; there's usually a 0% floor for crediting. But there's a critical nuance: while the index credit can't go below zero, charges—cost of insurance, policy expenses, riders—still come out. A zero-crediting year can still set you back if expenses outpace gains. That's why illustrations are tricky. They show a hypothetical average crediting rate over time. Real markets don't move in averages, and caps, participation rates, and expenses can change. If early-year charges are high, the policy needs time, consistent funding, and sufficiently strong credited returns to catch up. Rachel here. I love simplicity and transparency. That's why, for Infinite Banking, I prefer whole life. You get contractual guarantees on cash value and death benefit, plus the long history of dividends. Is it flashy? No. Is it dependable? Yes. 3) Why Indexed Universal Life is usually a poor fit for Infinite Banking The Infinite Banking Concept relies on stable, accessible cash value, simple mechanics, and predictable loan behavior. Here's where IUL struggles for banking use: Volatility in crediting. Caps and participation rates can shift. Policy loans can stress the design. Loan interest plus uneven crediting can turn small missteps into big problems. Moving parts multiply complexity. If you want banking simplicity, fewer moving parts beat more every time. Could IUL fit some estate-planning use cases? Sure, for certain objectives where the focus is death benefit and there's no plan to rely on policy loans or income. But for banking—using policy cash value as your family's capital base—whole life's guarantees create the clarity and control most people actually want. 4) The commission conversation: what really matters Bruce here. Let's talk compensation without the drama. In any life insurance policy, there are upfront costs. Over long horizons, those upfront costs spread out and matter less if the policy is designed and funded well. But design still matters a lot in the early years. A very high base death benefit can push up the target premium and the commission. It can also raise internal charges precisely when you need cash value efficiency. Rachel again. Ask this one question: How does this design minimize commissions and early-year drag while keeping the policy MEC-safe? In and IUL, like the one mentioned in the lawsuit, that means using a blend structure and, when appropriate, term riders like ART to support premium without bloating long-term costs. If an agent can't explain—in plain English—how they're minimizing commissions and internal drag, press pause. 5) Red flags to spot in any IUL illustration A few practical signals you can use immediately: The illustration calls life insurance an “investment” or implies market-like returns with no meaningful discussion of costs and moving parts. Year-1 cash value is tiny relative to premium with no clear rationale. The design amps the death benefit far above what's needed to keep the contract non-MEC, without using low-cost term blending when available. Income projections look aggressive while early-year charges eat most premiums. Allocations default to a fixed account for years while the pitch centers on index crediting. The plan depends on perfect behavior—no missed funding, no changes, no down years—for it to work. 6) The behavior factor: decisions drive outcomes Bruce here. Nelson Nash reminded us: your behavior matters more than the policy. If the plan assumes consistent premium funding, or specific timing for loan repayment, those behaviors must be realistic for your family. A design that only works in a perfect world isn't a plan; it's a hope. Rachel again. Behavior plus guarantees is where confidence grows. I want you to be able to look at your numbers, understand them, and know what to do next—especially when life happens. 7) Where IUL can make sense—and where it doesn't We're not absolutists. IUL can be used intentionally in estate planning when: The primary goal is death benefit, not banking or policy loans Funding is reliable and stress-tested You're comfortable with moving parts and the absence of whole life guarantees You've pressure-tested outcomes under lower caps and participation rates For Infinite Banking—where the priority is guaranteed, steadily compounding cash value with simple loan mechanics—whole life wins on clarity, control, and durability. 8) How to review your current policy or a proposal in 20 minutes Use this mini-checklist: Purpose: Is this for death benefit, banking, income, or estate planning? Guarantees: What's guaranteed vs projected? Look at guaranteed cash value and death benefit. Early cash value: What percentage of the premium shows as cash value in years 1–3? Does it make sense? MEC safety: How is MEC testing handled? Is an ART or blend used to control costs? Commission drag: How is the design minimizing commission and internal charges while meeting your goal? IUL Allocation: Where is the premium allocated in years 1–3? Fixed vs indexed? Why? IUL Stress tests: What happens if caps/participation rates fall or a funding year is missed? Loan modeling: If banking or income is the goal, are loan assumptions conservative and clearly explained?

Send us a textThe camp stove shouldn't be where flavour goes to die. We sat down with Liz and Wally from Wanderless Kitchen to share how they turned heirloom South Asian recipes into plant‑based dehydrated meals that pack light, rehydrate fast, and taste like home after a long day on the water or trail. Their journey starts in Lahore's kitchens, winds through a windy first paddle on Georgian Bay, and lands in a commercial kitchen where “a pinch” gave way to spreadsheets, tilting skillets, and hard‑won texture tests.We dig into what makes dehydrated meals go wrong—chewy bits, pasty sauces, mushy or underdone rice—and how thoughtful ingredient choices flip the script. Dals became the stars: brown lentils that hold their shape, moong dal that turns silky, and basmati rice that stays long‑grained and separate. You'll hear the story behind three signature meals—Masur Dal Chawal, Chikor Chole, and Moong Dal Chawal—why they're all plant‑based, and how limiting oils preserves both flavour and performance in the dehydrator. This isn't “moon food.” It's smoky cardamom, cinnamon warmth, and nutty comfort that passes the ultimate test: family approval.Beyond the recipes, we talk about scaling up without losing soul: renting a commercial kitchen, investing in larger dehydrators, logging every gram for consistency, and learning packaging the hard way so you don't have to. Community demos at MEC and paddling festivals proved that if people can taste it, they get it—good calories can be delicious calories. If you've ever dreaded a bland boil‑in‑bag after a cold paddle or steep portage, this conversation will reset your expectations for backcountry meals.Explore authentic flavour that travels. Try the holiday bundle—three meals for $40 at wanderlesskitchen.ca through December 10—and stock up for your next trip. If you enjoy the show, tap follow, share it with a paddling friend, and leave us a quick review to help more campers find real food for real adventures.www.wanderlustkitchen.cahttps://www.instagram.com/blandcantakeahike/Support the showCONNECT WITH US AT SUPER GOOD CAMPING:Support the podcast & buy super cool SWAG: https://store.skgroupinc.com/super_good_camping/shop/homeEMAIL: hi@supergoodcamping.comWEBSITE: www.supergoodcamping.comYOUTUBE: https://www.youtube.com/channel/UCqFDJbFJyJ5Y-NHhFseENsQINSTAGRAM: https://www.instagram.com/super_good_camping/TWITTER: https://twitter.com/SuperGoodCampinFACEBOOK GROUP: https://www.facebook.com/groups/SuperGoodCamping/TIKTOK: https://www.tiktok.com/@supergoodcamping Support the show

Before your elected Union reps head to California for the November meeting next week, catch this quick Delta MEC update.

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 (13/11/2025): O Tribunal de Contas da União (TCU) vai criar uma força-tarefa para fiscalizar as estatais federais. A iniciativa foi anunciada após relatório do Tesouro Nacional, ter apontado que nove estatais, em um conjunto de 27 empresas públicas, têm hoje trajetória de “deterioração de resultados”, com riscos “consideráveis” para as contas públicas. Entre essas companhias, estão os Correios, a Casa da Moeda e a Infraero . O presidente do TCU, ministro Vital do Rêgo, disse que os técnicos da Corte não vão se ater apenas aos aspectos financeiros e vão avaliar também outros fatores que pesam nas dificuldades fiscais das estatais, como a governança, a operação e a qualidade da gestão. E mais: Economia: EUA sinalizam que, além do café, podem baixar as tarifas de frutas Internacional: E-mails ligam Trump a escândalo sexual Metrópole: Oposição a Trump nos EUA ocupa espaço aberto por sua ausência na COP Política: PF diz que ‘ex-nora’ de Lula atuou por repasses do MEC para empresa suspeitaSee omnystudio.com/listener for privacy information.

David Castellanos é Enxeñeiro Técnico Forestal, experto en Xestión de Explotacións, e achéganos consellos para os nosos cultivos. Hoxe: FITOSANITARIOS OU SULFATOS "As aplicacións fitosanitarias son prácticas para protexer os cultivos de pragas, enfermedades e malezas, e implican o uso de productos como insecticidas, funxicidas ou herbicidas". "Hai distintos nivéis en función da categoria do agricultor: básico, cualificado, fumigador". "Requiren unha xestión responsable, elexindo o producto correcto, a dose adecuada e o método de aplicación apropiado para minimizar riscos e garantir a saúde do cultivo e do medio ambiente". As aplicacións fitosanitarias son prácticas para protexer os cultivos de pragas, enfermedades e malezas, e implican o uso de productos como insecticidas, funxicidas ou herbicidas. Pódense realizar de forma manual ou con maquinaria especializada, incluindo drons, e requiren unha xestión responsable, elexindo o producto correcto, a dose adecuada e o método de aplicación apropiado para minimizar riscos e garantir a saúde do cultivo e do medio ambiente.  ‍ Obxetivos e tipos de produtos ✔️Protexer os cultivos: O obxetivo principal é asegurar a producción de alimentos de calidade e en cantidade.  ✔️Controlar pragas: Utilízanse insecticidas para controlar insectos e acaricidas para ácaros.  ✔️Combatir enfermidades: Empréganse funxicidas para fungos e bactericidas para bacterias. ✔️Manexar malezas: Úsanse herbicidas para controlar herbas perxudiciais.  ‍ Métodos y tecnología de aplicación ✔️Manuais: Uso de equipos de pulverización manual.  ✔️Mecánicos: Uso de maquinaria como pulverizadores arrastrados ou automotores.  ✔️Dróns: Permiten aplicacións dirixidas, distribúen o produto uniformemente e reducen a deriva.  ✔️Aéreas: Xeralmente prohibidas, só se permiten en casos de emerxencia autorizada pola autoridade competente. ‍ Prácticas responsables ✔️Selección do producto: Elexir o produto específico para o problema e cultivo. ✔️Dosificación correcta: Seguir as instruccións para usar a dose precisa, evitando excesos. ✔️Tecnología: Utilizar equipos modernos que reduzan a deriva e melloren a cobertura. ✔️Protección personal: Usar equipo de protección individual (guantes, máscaras).  ✔️Manexo de residuos: Xestionar adecuadamente os residuos dos produtos ‍ Qué produtos hai no mercado ✔️Profesionais: requiren de ter carné específico de manipulador/aplicador de produtos fitosaniarios. Hai distintos nivéis en función da categoria do agricultor: básico, cualificado, fumigador ✔️Domésticos: Denomínanse de Xardinería Exterior Doméstica (XED) e non precisan de ningún tipo de carné. ✔️Ecolóxicos: son productos repetuosos coa flora, a fauna, as persoas e o medio ambiente. Non requiren de ningún tipo de carné Máis Información DAVID CASTELLANOS: ✔️Linkedin: https://www.linkedin.com/in/david-castellanos-iglesias-a6358b3b/?originalSubdomain=es ️ "SUSCRÍBETE" ao podcast Máis Información e outras entrevistas: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

Tune in to the latest MEC Weekly for essential updates straight from your MEC. Highlights of this episode: UPS Flight 2976: The MEC pays tribute to those lost in the tragic crash that occurred this week. MOU 25-05 Resources: Key details with a companion Engage podcast episode available. Vacation Bidding Upgrade: New software rolling out – what you need to know. Premium Rotations in PBS: Secure your spot starting this December. MEC November Meeting in Newport Beach, CA: Learn what to expect at this month's meeting. Veterans Day Office Hours: Resources available for pilots while offices are closed. Vets, as always, thank you for your service. Additional links and information are available in this week's MEC News. Stay informed, stay connected and stay engaged. Listen now wherever you get your podcasts!

Wicus Diedericks, owner of Rockwood Conservation, dropped a bomb on the rhino conservation world on Friday, when a court ruled that he can trade in rhino horn (devil is in the details). It's not quite that simple, but the ruling stated that the CITES exemption for conservation-bred rhinos is part of South African law - i.e., he should legally be able to get an export permit for horns that have been dehorned from his herd. This is huge news for rhino conservation and potentially the legal mechanism by which rhino horn can be purchased by the east and the Middle East. This is absolutely breaking news, with this court decision occurring last Friday. We do not know the extent of the implications of the court ruling, we do know the MEC of the Northern Cape has 7 days to respond to the issuance of the export permit. We also know that in 2 1/2 weeks CITES COP starts in Uzbekistan and this will be the talk of the town there! Get to know the guest: https://www.dailymaverick.co.za/article/2025-10-31-rhino-horn-harvested-from-captive-breeding-operations-can-be-exported-high-court-rules/ Do you have questions we can answer? Send it via DM on IG or through email at info@theoriginsfoundation.org  Support our Conservation Club Members! Schalk Pienaar Safaris Namibia: https://spsafarisnamibia.com/  Dr. Blake Brown, DDS: https://www.drblakebrowndentistry.com/  The Hunting Ban in Cabaneros National Park: https://theoriginsfoundation.org/conservation-projects/hunting-ban-cabaneros-national-park/  See more from Blood Origins: https://bit.ly/BloodOrigins_Subscribe Music: Migration by Ian Post (Winter Solstice), licensed through artlist.io This podcast is brought to you by Bushnell, who believes in providing the highest quality, most reliable & affordable outdoor products on the market. Your performance is their passion. https://www.bushnell.com  This podcast is also brought to you by Silencer Central, who believes in making buying a silencer simple and they handle the paperwork for you. Shop the largest silencer dealer in the world. Get started today! https://www.silencercentral.com  This podcast is brought to you by Safari Specialty Importers. Why do serious hunters use Safari Specialty Importers? Because getting your trophies home to you is all they do. Find our more at: https://safarispecialtyimporters.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

O episódio de hoje foge um pouco do nosso formato usual e é uma parceria entre o podcast Oxigênio da Unicamp e o Fronteiras da Ciência. O ano de 2025 foi declarado pela Unesco como o Ano Internacional da Ciência e Tecnologias Quânticas, celebrando os 100 anos do desenvolvimento das equações fundamentais que estruturaram, matematicamente, a Mecânica Quântica. O roteiro, escrito pela Eduarda Moreira e a Mayra Trinca, e narrado pela própria Eduarda e o Guili Arenzon, faz um apanhado geral do que é a Mecânica Quântica mas também explica o que muita gente considera mas que não faz parte da teoria, o misticismo quântico. A maioria das entrevistas foi gravada em julho de 2025 durante a conferência "Os 100 anos da física quântica", organizada pelo IF-UFRGS. Página do Oxigênio: https://www.oxigenio.comciencia.br/203-o-que-nao-e-quantica/ Produção: Eduarda Moreira (Oxigênio), Mayra Trinca (Oxigênio) e Jeferson Arenzon Edição: Carolaine Cabral e Jeferson Arenzon Créditos da Imagem: logo do evento "Os 100 anos da física quântica" do IF-UFRGS (https://if.ufrgs.br/quantica100/)

Happy Halloween from the Delta MEC! Here are the news bites from the MEC's week.

Starting an IBC policy when everything feels worst? That's exactly how Nelson Nash discovered Infinite Banking, when bank rates hit 23% and leverage turned on him. Here's what he did, why it worked, and how to avoid the same traps.

John is joined by a panel of cycling enthusiasts, and MEC for Mobility Isaac Sileku on the Province’s plan to use other modes of transport, to prevent traffic, to be more climate friendly, and to unlock economic opportunitie 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/@CapeTalk567See omnystudio.com/listener for privacy information.

Não é de hoje que a quântica carrega um ar de misticismo e a reputação de ser a solução para os mais diversos tipos de problemas, sejam eles relacionados ao corpo ou à alma. Essa fama faz com que o termo seja usado de maneira irresponsável por charlatões que procuram lucrar com a venda de produtos e serviços pseudocientíficos, baseados em mentiras. Mas fato é que a quântica tem, sim, muitas aplicações reais e é uma área muito importante da ciência - não à toa, foi o tema central do Prêmio Nobel de Física em 2025. Por isso, no quarto episódio da série Parcerias, produzido por Eduarda Moreira e Mayra Trinca junto com o Fronteiras da Ciência, da UFRGS, e em comemoração ao centenário da Física Quântica, trazemos dicas e informações que ajudam a diferenciar o que é do que não é quântica. ___________________________________________________________________ ROTEIRO Eduarda: Imagina a seguinte cena: um professor entra na sala de aula no primeiro dia do curso e diz: Pedro: Hoje é um dia muito emocionante pra mim porque vamos começar a estudar Mecânica Quântica, e faremos isso até o fim do período. Agora, eu tenho más notícias e boas notícias: a má notícia é que é um assunto um pouco difícil de acompanhar intuitivamente, e a boa notícia é que ninguém consegue acompanhar intuitivamente. O Richard Feynman, uma das grandes figuras da física, costumava dizer que ninguém entende mecânica quântica. Então, de certa forma, a pressão foi tirada de vocês, porque eu não entendo, vocês não entendem e Feynman não entendia. O ponto é que…o meu objetivo é o seguinte: nesse momento eu sou o único que não entende mecânica quântica nessa sala, mas daqui uns sete dias, todos vocês serão incapazes de entender mecânica quântica também, e aí vão poder espalhar a ignorância de vocês por vários lugares. Esse é o único legado que um professor pode desejar! Guili: Isso realmente aconteceu! O físico indiano Ramamurti Shankar, professor da Universidade de Yale, nos Estados Unidos, ficou famoso por esse discurso de boas-vindas - um tanto quanto sincero - aos seus alunos. Eduarda: Se a quântica é esse negócio tão complicado de entender até pra especialistas da área, imagina pra gente que nem lembra mais as equações que decorou pro vestibular. Não é à toa que muita gente usa o termo “quântico” pra dar um ar científico a produtos que não têm nada de científico, muito menos de quântico. Guili: A lista é bastante longa: tem “terapia quântica”, “coach quântico”, “sal quântico”, “emagrecimento quântico”... eu tenho certeza que você já se deparou com algum desses por aí. Mas, afinal, como saber o que não é, e, principalmente, o que realmente é a ciência quântica? Eduarda: É isso que eu, Eduarda Moreira, e o Guili Arenzon vamos te contar no episódio de hoje, que é uma parceria entre o Oxigênio e o Fronteiras da Ciência, podcast de divulgação científica do Instituto de Física da Universidade Federal do Rio Grande do Sul. Eduarda: Esse episódio é mais um da série comemorativa dos 10 anos do Oxigênio! Marcelo Knobel: Então, recentemente eu recebi um, inclusive de um aluno, que era uma mesa quântica estelar para resolver processos judiciais, para dar um exemplo extremo do que pode acontecer, mas tem aí cursos de pedagogia quântica, brincadeira quântica para criança, tem pulseiras quânticas e assim vai, é infinita a imaginação humana. Guili: Esse é o Professor Marcelo Knobel Marcelo Knobel: …eu sou professor de Física da Unicamp, sou professor há mais de 35 anos, fui reitor da Unicamp, atualmente estou em Trieste, na Itália, como diretor executivo da Academia Mundial de Ciências para Países em Desenvolvimento. E tenho trabalhado com divulgação científica, com gestão universitária, gestão da ciência, e é um prazer estar aqui com vocês. Guili: O Marcelo tem um gosto pessoal por investigar pseudociências, especialmente as quânticas, o que faz sentido, já que ele também é físico. Eduarda: Então,

Especialista en novela negra, en el género noir, recibimos hoy a la escritora uruguaya, Alicia Escardó, quien hace un gran trabajo de gestión cultural, coordina espacios culturales y es columnista en la radio. Viene de este hermoso país que es Uruguya, tierra de la gran Ida Vitales, con una trayectoria que le ha ganado numerosos premios por su trabajo en narrativa como: Premio Nacional de Narrativa, año 2020, literatura juvenil, por La muerte de Pan, mención en el Primer Premio, Premios anuales de literatura del MEC, año 2022, narrativa inédita, por La trama violeta y en el Premio Nacional de literatura 2024, La trama violeta. El género policial o policiaco es su especialidad así como obras de suspenso para jóvenes y el rescate de la literatura clásica y mitológíca. Pensamos en ella como parte del grupo que integran otras escritoras en el género como Claudia Piñeiro y Florencia Etcheves. Alicia es uno de los motores en difundir la novela negra en diversos festivales en donde se ha encontrado con escritores como Pedro Medina y Gastón Virkel.

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

In this exclusive episode of the Engage Podcast, we highlight the Delta MEC's powerful new messaging tool for staying connected with your union: the Delta MEC Updates Telegram Channel! Join host F/O Ryan Argenta as he sits down with Communications Chair F/O Kevin Brady and Strategic Planning Vice-Chair Capt. John Wood to explore this direct source for real-time MEC news and updates. They'll guide you through the simple steps to subscribe and access this essential resource. Tune in to discover how to stay informed with the Delta MEC like never before!

El automóvil se ha convertido en muchos países en una máquina de recaudar, una "vaca lechera" a la que ordeñan sin piedad y que en España entrega a las arcas del Estado alrededor de 40.000 millones de euros al año. Sí, habéis oído bien, el triple de lo que gasta el gobierno español en defensa. En mi opinión un escándalo que vamos a rastrear y analizar cifra por cifra. En este video vamos a investigar y a buscar hasta el último rincón y hasta el último céntimo, todo el dinero que el Estado obtiene del automóvil y los automovilistas. Y espero demostrar que la lógica y la justicia brillan por su ausencia. 1. El Bautizo Fiscal. Comprar un coche, el primer gran “sablazo”. El IVA o Impuesto sobre el Valor Añadido, hoy en día, es un rotundo 21%. Pero esta cifra no ha dejado de crecer. Para que nos hagamos una idea, en 1995 este impuesto era del 16%. En julio de 2010 subió al 18% y, en plena crisis, en septiembre de 2012, nos dieron la estocada final con el 21%. ¿Te parece mucho? Pues la fiesta no ha hecho más que empezar. Ahora llega el Impuesto de Matriculación, un tributo que en la mayoría de países europeos serios, simplemente, no existe. Se supone que es un impuesto "ecológico" porque grava las emisiones de CO₂, pero es una de las mayores trampas fiscales de la historia reciente. 2. El “Ordeño” diario. La sangría de usar el coche. Una vez que el coche es tuyo, el Estado no se olvida de ti… por el contrario, se convierte en tu sombra. Empecemos por el Impuesto de Circulación o IVTM acrónimo de Impuesto sobre Vehículos de Tracción Mecánica. Es un impuesto municipal, lo que significa que cada ayuntamiento decide cuánto te “clava “en un ejercicio de arbitrariedad inaudito. Las diferencias son demenciales. Pero la verdadera joya de la corona, la mina de oro del Estado, es el combustible. Cada vez que paramos en una gasolinera, más de la mitad de lo que pagamos no es por la gasolina o el diésel, sino por los impuestos que lleva asociados. 3. La multa como modelo de negocio. La DGT del execrable Pere Navarro. Y, por si fuera poco, tenemos a la Dirección General de Tráfico. La DGT se ha convertido en una agencia de recaudación casi perfecta. En 2023, batió su récord histórico de multas, ingresando la escalofriante cifra de 507 millones de euros. 4. ¡Agárrate! El “Gran Total”. La Cifra del Escándalo. Y llega el momento de sumar. Si metemos en una coctelera el IVA, el Impuesto de Matriculación, el de Hidrocarburos, el de Circulación, tasas, multas y demás, la cifra es mareante. Según los últimos datos consolidados de ANFAC, la patronal de fabricantes, correspondientes a 2023, el sector de la automoción en España aporta cada año a las arcas del Estado cerca de 40.000 millones de euros. 5. La gran pregunta. ¿Qué recibimos a cambio? Insisto, ¿qué recibimos a cambio de este esfuerzo fiscal titánico? ¿Una red de carreteras impecable? ¡Nada más lejos de la realidad! El último informe de la Asociación Española de la Carretera es para echarse a llorar: el déficit en mantenimiento de nuestras carreteras supera ya los 11.000 millones de euros. 6. La Comparativa Europea: El mito de que en España no se paga tanto. Volvemos a Europa, donde la propaganda oficial insiste en que la presión fiscal sobre el automóvil en España está en la media. ¡Falso! La clave no es la cifra absoluta, sino el esfuerzo fiscal que supone para un ciudadano con un salario medio español. Compra del vehículo: La combinación de un IVA del 21% (superior al 19% de Alemania) y un Impuesto de Matriculación que no existe en potencias como Alemania o que es muy inferior en otros países, hace que el desembolso inicial en España sea de los más dolorosos de la UE en relación con el poder adquisitivo. Recaudación por combustible: Aunque en términos absolutos Alemania recauda más por tener más coches, España está entre los países con los impuestos sobre la gasolina y el diésel más altos de Europa. Esto castiga no solo al particular, sino a toda la cadena económica, desde el transportista hasta el agricultor. El modelo español es perversamente claro: una fiscalidad altísima en la compra y en el uso diario que afecta a toda la población por igual, vivas en una gran ciudad o en un pueblo donde el coche es tu única forma de ir al médico. Conclusión. Las cifras no mienten. Unos 40.000 millones de euros al año recaudados, un aumento de 18.000 millones en dos décadas, y un déficit en mantenimiento de carreteras que es una vergüenza nacional. El automóvil es el pilar financiero oculto del Estado español. Somos un cajero automático con ruedas para un sistema que recauda sin cesar y que no reinvierte de forma justa.

What happens if you can't afford your whole life insurance premium anymore? It's the most common concern when people design large policies for Infinite Banking: "I don't want to pay this huge premium until I'm 95 years old." The truth is, once you understand what premium is doing for you—building momentum, creating guaranteed growth, and establishing your family banking system—you won't want to stop. But life happens. Income disruptions, career changes, or simply changing priorities might make you reconsider. That's why understanding your contractual rights matters. There are five distinct options when you can't or won't continue paying premiums, and most people only know about the worst one: surrendering for cash. This episode breaks down all five options, from the contractual non-forfeiture provisions required by state law to the optimal strategy that lets your policy sustain itself. We explain extended term insurance, reduced paid-up insurance, automatic premium loans, and the dividend payment strategy—plus why working with an authorized IBC practitioner ensures you actually have access to these options. The goal isn't to plan your exit from day one, but to understand the full contract you're entering and know you have control no matter what happens.Chapters:00:00 - Opening segment07:00 - Introduction to non-forfeiture options and PUA  10:00 - Four contractual non-forfeiture options overview  11:20 - Cash value refresher13:00 - Net present value14:40 - Dave Ramsey's misrepresentation   17:50 - Company exposure and why cash value grows over time  18:55 - Option 1: Cash surrender value (closing the policy)  20:30 - Option 2: Extended term insurance explained  25:45 - Option 3: Automatic premium loan (APL)  27:00 - When APL makes sense: income disruption scenarios  32:00 - Base premium vs. total premium: What you actually need to sustain  35:00 - Option 4: Reduced paid-up insurance (RPU)  36:25 - Why you can't RPU before year seven (MEC rules)  42:15 - How using dividends changes projections  44:50 - Option 5: Using dividends to pay premiums (the optimal strategy)  48:05 - Keeping premium door open  52:00 - Protection and savings before speculation  54:10 - Keeping the wall between savings and investments  56:30 - Final thoughtsKey Takeaways:- Cash surrender value is not separate from death benefit—it's your equity in the future payment at present value- There are 5 total options when you can't pay premium: 4 contractual non-forfeiture options plus the dividend strategy- Cash surrender (Option 1): Walk away with equity, lose all coverage—least recommended option- Extended term insurance (Option 2): Same death benefit dollar amount, reduced timeframe based on cash value- Reduced paid-up insurance (Option 3): Same timeframe (whole life), reduced death benefit, no future premiums required- Automatic premium loan (Option 4): Company loans against cash value to pay base premium automatically- Dividend payment (Option 5): Use policy dividends to pay base premium—the optimal approach for mature policies- Not all whole life companies support optimal IBC design—must have PUA riders available- Work only with Nelson Nash Institute authorized practitioners to ensure proper policy structure- Goal is never to stop paying premium once you understand what it's doing for your family banking system- Your whole life policy should be the asset you understand most completely before signingGot Questions?Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/options  FOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

In this episode, we ask: Would you like to hear from Evan Greathouse on how to work with the ticking tax time bomb? Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business? What about avoiding MEC status (modified endowment contract status)? Who is...

In this episode of our podcast, Council 26 Chair/Block 6 Representative First Officer Bryan Watson addresses his council on the latest developments with the MEC.  Click here to view the...

Confira os destaques do Jornal da Manhã deste domingo (28): O ministro Edson Fachin assume, nesta segunda-feira (22), a presidência do Supremo Tribunal Federal (STF). Ele ocupará o cargo no lugar de Luís Roberto Barroso e comandará a Corte pelos próximos dois anos. A posse deve reunir autoridades dos Três Poderes e marcar um novo ciclo no Judiciário, em meio a julgamentos decisivos para o país. O Ministério da Justiça e Segurança Pública (MJSP) emitiu um alerta sobre o consumo de bebidas alcoólicas adulteradas com metanol, substância altamente tóxica que pode causar intoxicações graves e até morte. A decisão ocorre após duas mortes confirmadas pela ingestão desses produtos. O MJSP determinou reforço na fiscalização e orientou estabelecimentos sobre a compra de bebidas. No Jornal da Manhã deste domingo (28), a médica Camila Camone, do CIATox, explicou os riscos do metanol e detalhou os casos recentes. O presidente Lula, a primeira-dama Janja e alguns ministros do governo federal fizeram uma caminhada na Esplanada dos Ministérios para celebrar os 95 anos da criação do MEC. Cerca de seis mil pessoas estavam inscritas na passeata debaixo do Sol em Brasília. Reportagem: Igor Damasceno. Essas e outras notícias você acompanha no Jornal da Manhã. Learn more about your ad choices. Visit megaphone.fm/adchoices

Here's your weekly wrap-up from your Delta MEC. Help guide the Negotiating Committee by taking the Contract 2026 survey, MEC dues return offers are coming soon, learn about this year's ALPA Scheduling Conference, the summary of August's MSP regular meeting is now online, get updated on open grievances, and other quick news from the CA, Training, PAN, and DPN committees. Show Notes/Links:Take the C2026 surveyAugust 2025 MSP Regular Meeting Executive SummaryAll news and upcoming events are available in this week's MEC NewsDon't forget to sign up for our Telegram channel!

On this episode:- Savannah picks up a huge MEC conference win over Bishop LeBlond. Hear from Savage coach Miranda Mizera.- a couple of milestones for Troy Volleyball- Tuesday Scores Sponsors Tolly & Associates Little Caesars of St. Joseph John Anderson Insurance, Meierhofer Funeral Home & Crematory HiHo Bar & Grill Barnes Roofing Jayson & Mary Watkins Matt & Jenni Busby Michelle Cook Group Russell Book & Bookball 365 The St. Joseph MustangsB's Tees KT Logistics LLC Hixson-Klein Funeral Home James L. Griffith Law Firm of Maysville Toby Prussman of Premier Land & Auction Group, HK Quality Sheet Metal, Redman Farms of Maysville, Melissa WinnHenke Farms, Green Hills Insurance LLC., Cintas, Thrive Family Chiropractic, IV Nutrition of St. Joseph, J.C's Hardwood Floors, Roth Kid Nation Serve Link Home Care out of Trenton, Barnett's Floor Renewal LLC., Balloons D'Lux, B3 Renovations, KC Flooring & Drywall, C&H Handyman Plumming, The Hamilton Bank member FDIC, Wompas Graphix & Embroidery of LibertyEllis Sheep Company of Maysville, Bank Northwest of Cameron, Akey's Catering & Event Rentals, Brown Bear of St. Joseph, Whitney Whitt Agency of Hamilton, Wolf Black Herefords, The KCI Basketball Podcast Jacob Erdman - Shelter Insurance of Rock Port, Rob & Stacia Studer, Green Family Chiropractic , Annie & Noah Roseberry of Re/Max Professionals, Moseley Farms, Jake Anderson of Shelter Insurance Bray Farms of Cameron.A slice & a swirl of Maysville Adkison Barber ShopMoyer Concrete of Maysville Cody Vaughn Wealth Advisor with ThriventGallatin Truck & Tractor Grandmas Gun Shop in Agency Nash Gas in Dearborn Accurate Appraisal in St. Joseph Ryan Meyerkorth SeedB.W. Timber of Bethany Exclusive P.R. of Chicago

Confira nesta edição do JR 24 Horas: A Polícia Federal, com apoio de outras forças de segurança, realizou, nesta terça-feira (23), uma operação contra o tráfico internacional de drogas. A Justiça autorizou o cumprimento de 22 mandados de prisão e 40 de busca e apreensão, além do bloqueio de R$ 249 milhões em bens dos suspeitos. E ainda: MEC cria bolsa de permanência para alunos de baixa renda em cursos de medicina.

Two 31-year-old fathers of two. One died unexpectedly in a hospital, leaving his family scrambling financially with only a $400,000 life insurance policy. The other was assassinated for his political beliefs, sparking a national conversation about violence and ideology. Both tragedies expose the same uncomfortable truth: none of us know when our last day will come.Hans opens with a sobering reality check for fathers - if you don't wake up tomorrow, how does your family survive financially? Beyond the emotional devastation, what practical steps have you taken to ensure your wife can pay the mortgage, access accounts, and maintain the lifestyle you've built together? The episode serves as both a wake-up call about financial preparedness and an introduction to alternative investment strategies through client Will Leight's raw land business.The conversation takes a hard turn into cultural commentary following recent events, examining the escalation of political violence and the breakdown of civil discourse. From Harvard's ideological rigidity to the celebration of assassination, Hans and Will discuss why the mask has come off regarding the left's true intentions and what it means for American families trying to build wealth and protect their future.Chapters:00:00 - Opening discussion on insurance and tragedy01:30 - Introduction to Will Light and client interview format04:10 - Tragic case study: 31-year-old father's unexpected death07:50 - The underinsured asset: your human life value10:30 - Will's insurance background: SGLI and universal life experience13:00 - Financial advisor vs. IBC agent: the education gap16:10 - Policy design disasters and all-base mistakes19:40 - IUL retirement plans and MEC dangers24:50 - Charlie Kirk assassination and national implications27:00 - Harvard Kennedy School and ideological extremism29:55 - The myth of "national conversation" exposed32:25 - Violence as policy: the liberal endgame revealed35:20 - Masks dropping after the assassination39:45 - Historical parallels to Soviet criminal codes41:10 - Frontier Coffee statement on turning points47:00 - Zero tolerance for liberal ideology in business49:20 - Nepal government overthrow parallels51:20 - Individual and community preparedness imperatives53:40 - Shifting to raw land investment strategy55:50 - Will's introduction to Land Geek methodology58:25 - Raw land acquisition and financing mechanics01:00:35 - Building relationships with land buyers01:02:50 - Scaling strategy and county selection01:04:30 - Current portfolio: 11 properties and growing01:06:35 - Rental property tax advantages comparison01:09:10 - Vision and Value Land Company introduction01:11:10 - Final thoughts on preparedness and truth-tellingGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/optionsWill Leight - Vision and Value Land Company:  https://www.facebook.com/profile.php?id=61578024718364#**FOLLOW REMNANT FINANCE**Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

Here's what's on the radar for this week's Engage Weekly episode:The Contract 2026 Survey launchesBe on the lookout for the MEC dues return offerUniversity of New Hampshire polling continuesCouncil 44 ATL reps join the Engage podcastDelta pilots recognized at the Air Safety ForumHow to track current grievancesFinally, committee and council news to wrap up this week's episodeShow Notes:C2026 Contract SurveyDirect deposit for dues return offerC44 ATL Reps on EngageMore available in this week's MEC News!

What keeps Atlanta's Council 44 reps awake at night? Two things: educating a largely new pilot group before Section 6 and stopping off-book deal-making with Scheduling that erodes unity and pay protections. In this candid roundtable, Captain Tony Rohloff, Captain Shawn Kellett, and First Officer Maggie Eickhoff explain why the Contract History and Contract Comparison aren't “homework” - they're essential to a strong opener - and how your narrative responses in the contract survey directly shape MEC direction and Negotiating Committee priorities. We break down the coverage ladder, why making deals for yourself cuts the line for everyone else, and how mentoring in the cockpit can curb bad habits before they spread. You'll also hear a clear playbook for engagement: where to find surveys and polling, how resolutions flow into the “Green Book” for negotiations, and why participation matters even when things feel good on the line. We close with base-level ways to plug in and a reminder that unity isn't a slogan; it's a series of small, contract-compliant choices we make every day.

To find about the first day of the taxi road closures, their impact, and the road ahead, John Maytham speaks to Isaac Sileku, Western Cape MEC for Mobility. 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.

Hace dos años, el 6 de octubre del 2023, se estrenaba en España la película "Dispararon al pianista" de Fernando Trueba y Javier Mariscal.Tenorio Junior era el pianista de Vinicius de Moraes.Tenorio Junior fue secuestrado el 18 de marzo de 1976 en Buenos Aires, poco antes del golpe de Estado en Argentina. Lo asesinaron dos días después, pero sus restos fueron enterrados como NN, ningún nombre. El pianista tenía 35 años cuando fue llevado a la fuerza a la Escuela de Mecánica de la Armada por error. Fue a tocar Gran Rex con Vinicius y Toquiño. Simplemente a la patota de turno no le gustó su pinta.Casi 50 años después, hace 48 horas, ha sido acreditado que las huellas dactilares de un cuerpo aparecido en un baldío eran del pianista brasileño. Casi 50 años después, su hija de casi 50 años ha dado con su padre. Hay otra historia que, hace un tiempo, también se producía en Argentina y que descubríamos en 'Fin de Semana' con López Schlichting. Dicen los ...

Visit our website:https://www.thewealthwarehousepodcast.com/This week, Dave and Paul bust a big myth about whole life: that premiums are rigid forever.They break down base (required) vs. PUA, Paid-Up Additions (flexible), why both buy death benefit, and how to use a floor-and-ceiling model to fund smart in tight months or boom years.You'll hear how dividends typically route to PUA, how to check extra LPUA room without triggering MEC, why loans don't “increase” growth, and how convertible term preserves future capacity as your income rises.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Teaser & open3:06 - Premium flexibility myth6:19 - Base vs. PUA9:40 - Cash value = ownership10:59 - Dividends → PUA15:10 - Floor & ceiling funding16:37 - Year-two: pay base, drip PUA20:00 - Extra PUA + MEC check23:50 - Convertible term runway30:38 - Sign-offABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

John Maytham speaks to Minister Isaac Sileku, MEC for Mobility in the Western Cape, who provides insight into the extraordinary measures being put in place for the Mini-bus taxi industry and how this will impact government and local communities 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.

Join us for this week's Engage Weekly podcast, where we pause to honor the courage of 9/11, share details on the upcoming University of New Hampshire polling, and highlight the newly published Contract 2026 Comparison and microsite. We also break down MEC grievances—what they are, where to find them, and why they matter.Plus, we run through committee news from safety to hotels, cover the latest on the Mental Health in Aviation Act, celebrate September retirements, and point you toward real-time MEC updates via Telegram. Finally, don't miss details on upcoming council events in Los Angeles, Detroit, Atlanta, and more.Show Links:  The Delta Pilot Contract Comparisonnew Contract 2026 microsite H.R. 2591, the Mental Health in Aviation ActContract Administration committee page⁠Section 23 M. 7 Issue Sheet⁠⁠Section L. 4. Note four Issue Sheet⁠⁠Section 14 F. 2. (Click to Sick) Issue Sheet⁠⁠Deadhead Seat Reporting Form⁠Delta pilots September retirements!Telegram App signup

Voter intention survey, the MEC high court case, the second presidential debate, the Norway Visa Application Center, the SandFest festival, and much more! Thanks for tuning in!Let us know what you think and what we can improve on by emailing us at info@rorshok.com. You can also contact us on Instagram @rorshok_malawi or Twitter @RorshokMalawiLike what you hear? Subscribe, share, and tell your buds.We want to get to know you! Please fill in this mini-survey: https://forms.gle/NV3h5jN13cRDp2r66Wanna avoid ads and help us financially? Follow the link: https://bit.ly/rorshok-donate

Time to get engaged before the Labor Day weekend. Here is your weekly recap from the Delta MEC.Your MEC met in regular session in Minneapolis this week. While in the City of Lakes, the MEC hosted a PUB event at the Minneapolis State Fair and gave back to Gillette Children's HospitalSTS has been updatedWear your ALPA pin and Happy Labor Day!Show Notes:The Delta Pilots Charitable Fund helped donate to Gillette Children's this week. This was made possible thanks to donations from Delta pilots. You can continue to donate to the DPCF and Gillette's here!Need an ALPA pin? Get one at this link. Join Telegram for timely, transparent updates from the MEC!

The Joint Readiness Training Center is pleased to present the one-hundredth-and-eleventh episode to air on ‘The Crucible - The JRTC Experience.' Hosted by MAJ Marc Howle, the Brigade Senior Engineer / Protection Observer-Coach-Trainer, and MAJ David Pfaltzgraff, BDE S-3 Operations OCT, from Brigade Command & Control (BDE HQ) on behalf of the Commander of Ops Group (COG). Today's guests are MAJ Steven Yates, the BDE S-6 Signal OCT from Brigade Command & Control (BDE HQ) and SFC Daniel Pippin, the BN S-6 Signal NCOIC from the 1-509th IN (ABN) Opposing Force.   This episode of The Crucible centers on the challenges of command and control (C2) integration and the employment of enablers within brigade combat teams (BCTs) at JRTC. The discussion highlights recurring issues with overcomplicated signal plans, inadequate COMSEC readiness, and a persistent lack of basic communications skills across maneuver formations. Despite widespread fielding of advanced systems like ITN, many units arrive without validated PACE plans or shared understanding of how to communicate across formations and enabler teams. A key friction point is the failure to execute realistic COMEX and VALEX rehearsals, which often leads to failure in establishing a functioning network prior to movement into the box. When soldiers can't log into CPCE or MAVEN or don't know how to employ SATCOM or FM, the entire C2 enterprise falters before first contact.   The episode also stresses the importance of simplifying communications, cross-training non-signal personnel, and involving maneuver leaders in signal planning. A lack of distributed competence creates overreliance on limited 25-series personnel. The team praises aviation's model of integrating comms training into pilot academics and encourages similar investments at the BCT level—where every Soldier using a radio must understand its function and limitations. Integration of enablers—particularly aviation, foreign partners, and multi-echelon elements like MEC teams—demands proactive coordination well before RSOI. The key takeaway: units that treat RSOI as part of the operations process, not just an administrative requirement, set the conditions for success. C2 must be validated with full mission threads—sensor-to-shooter, PED, and digital fires—before rolling into the box. Anything less risks operational paralysis in the first 48 hours.   Part of S13 “Hip Pocket Training” series.   For additional information and insights from this episode, please check-out our Instagram page @the_jrtc_crucible_podcast   Be sure to follow us on social media to keep up with the latest warfighting TTPs learned through the crucible that is the Joint Readiness Training Center.   Follow us by going to: https://linktr.ee/jrtc and then selecting your preferred podcast format.   Again, we'd like to thank our guests for participating. Don't forget to like, subscribe, and review us wherever you listen or watch your podcasts — and be sure to stay tuned for more in the near future.   “The Crucible – The JRTC Experience” is a product of the Joint Readiness Training Center.

WVU Football analyst Jed Drenning previews the season. Kyle Wiggs previews high school football kickoff classic. Travis Jones previews the MEC football season. 

Happy Friday from the Engage Podcast team. Get a recap of the MEC's week with our new Engage Weekly episode available now. Here's what's on the radar: Show your union pride. Wear your ALPA pin! The Engage Podcast takes a deep dive into disability Your MEC will meet in MSP next week! Get an update on Comply365 and other Committee news/events Have a great weekend and stay Engaged. Show Notes: Get your ALPA pinLearn more about Delta pilot disability Track open grievances Send a DART to R&I about Prudent RX Get Delta MEC updates via Telegram!

Come aboard and run down the news checklist from the Delta MEC in this week's Engage Weekly.Air Canada flight attendants have issued a strike notice. Make the walk and ensure ACA flight crews can jumpseatHonor 9/11 victims at ALPA's annual remembrance ceremonyThe Delta MEC will hold its next regular meeting in MSP. Stay tuned for updates after the conclusion of the meeting.Learn how you can receive the most up-to-date MEC news via Textcaster and TelegramAlso, tune in for committee news and council events!Additional information is available in this week's MEC News. Have a good weekend and stay Engaged!

Engage Weekly is live! Join us as we dive into key updates from the Delta MEC. Highlights include UNH polling (live through August 13), the Engage Podcast interviews the Scope Committee, MEC leadership celebrates Aeromexico pilots on their 67th anniversary as a union, a pay verification video refresher, and a preview of the MEC Regular Meeting in Minneapolis at the end of this month. Plus, updates on rotation preferences, safety alerts, mental wellness resources, and more. Stay informed and engaged!Show Notes:Engage: Scope is Still DopeMEC News - August 7, 2025