Podcasts about Migas

Miguel Monteiro, também conhecido por Migas, é repórter do Porto Canal e influencer. Entre o ball knowledge acima da média e do seu humor sagaz, foi provavelmente o seu sorriso bonito que nos levou a convidá-lo. Conta-nos a história de quando conheceu Jardel, o caricato episódio com Iker Casillas, tentou adivinhar o XI do FC Porto que ganhou a Champions, o melhor XI do FC Porto que viu jogar e com muitas dinâmicas à mistura.

Aturan Baru Ekspor SDA Non-Migas, Devisa Wajib Disimpan di Dalam Negeri | Antisipasi Kepadatan Mudik Lebaran, Kemenhub Usulkan Work From Anywhere Mulai 24 Maret | Pengamat Tak Yakin Koalisi KIM Permanen Dukung Prabowo di Pemilu 2029*Kami ingin mendengar saran dan komentar kamu terkait podcast yang baru saja kamu simak, melalui surel ke podcast@kbrprime.id

Menteri Bahlil Menonaktifkan Dirjen Migas

Hablamos con Antonio García, concejal de festejos de Alhama de Murcia.

En 'Más de uno' conocemos a fondo la gastronomía de Lucena, en la provincia de Córdoba, y para ello recordamos a uno de los escritores más importantes del Renacimiento español: el poeta Luis Barahona de Soto. Además, hablamos con Pepelu, vecino de la localidad, y con Aurora, dueña del restaurante La Camila.

TodoPorLaRadio con Toni Martínez, Especialistas Secundarios, Mario Panadero, Cristina del Casar, Emma Vallespinós, Esti Gabilondo y Sheila Blanco

TodoPorLaRadio con Toni Martínez, Especialistas Secundarios, Mario Panadero, Cristina del Casar, Emma Vallespinós, Esti Gabilondo y Sheila Blanco

TodoPorLaRadio con Toni Martínez, Especialistas Secundarios, Mario Panadero, Cristina del Casar, Emma Vallespinós, Esti Gabilondo y Sheila Blanco

En 'Más de uno' conocemos a fondo la gastronomía de Lucena, en la provincia de Córdoba, y para ello recordamos a uno de los escritores más importantes del Renacimiento español: el poeta Luis Barahona de Soto. Además, hablamos con Pepelu, vecino de la localidad, y con Aurora, dueña del restaurante La Camila.

Nesta edição de A Essência começamos com uma conversa com Miguel Diniz, dono da garrafeira online, Portugal Vineyards. Depois, é em Leiria que paramos para conhecer alguns pratos tradicionais como as Migas e as Mexudas.

Estás a punto de escuchar otro programa de música alternativa más. ¿Y qué tiene este que no tienen los demás? Nada. Bueno, algo tendrá. “Los Ideales” te ofrece 180 minutos de buenos temas del panorama independiente internacional, cosidos a mano. Una selección hecha por y para mentes abiertas. Dale al play. Han sonado: 1) Hurray For The Riff Raff - Living in the City 2) Savoy Motel - Sorry People 3) Kid Congo & the Pink Monkey Birds - Ese Vicio Delicioso 4) Firewater - Some Kind of Kindness 5) The (International) Noise Conspiracy - Smash It Up 6) Bikeride - Erik And Angie 7) Liam Finn - Suspicious 8) Alex Chilton - Girl After Girl 9) Arthur Russell - Planted A Thought 10) Big Boys - Hollywood Swinging 11) Super Furry Animals - Neo Consumer 12) Sic Alps - Biz Bag 13) Flight of the Conchords - Robots 14) Gloria - Miss Tambourine 15) Michael Rault - Champagne 16) Micachu & The Shapes - Calculator 17) Deerhunter - Never Stops 18) ESG - My Love for You 19) A.R.E. Weapons - Mr. Creature 20) Robyn Hitchcock & The Egyptians - Driving Aloud (Radio Storm) 21) Don't Thank Me, Spank Me! - Hey Woman 22) Habibi - POV 23) La Luz - Cicada 24) The Make-Up - Walking on the Dune 25) The Limiñanas - Migas 2000 26) Scene Creamers - Better All The Time 27) Subtle - Unlikely Rock Shock 28) PJ Harvey - Good Fortune 29) Jane's Addiction - Standing in the Shower...Thinking 30) Wipers - Taking Too Long 31) Jade Stone & Luv - Reality 32) Girl In a Coma - Femme fatale 33) Mates of State - Fraud in The '80s 34) CocoRosie - Lamb and the Wolf 35) Supergrass - Diamond Hoo Ha Man 36) De Novo Dahl - Sky Is Falling 37) The Adverts - Gary Gilmore's Eyes 38) Megapuss; Devendra Banhart - Sound + Vision 39) Holiday Ghosts - Big Congratulations 40) Crystal Stilts - Future Folklore 41) King Khan and the Shrines - Saba Lou 42) Agent Ribbons - Fucked Up 43) The Fresh & Onlys - Animal of One 44) TV On The Radio - Dancing Choose 45) Pop Levi - Wannamama 46) Jobriath - Earthling 47) Dex Romweber Duo - Lover's Gold 48) The Gutter Twins - Seven Stories Underground 49) The Form - Roses 50) Yeah Yeah Yeahs - Shame And Fortune 51) Bright Eyes - Bells and Whistles 52) The Pains Of Being Pure At Heart - This Love Is Fucking Right! 53) Airiel - Mermaid in a Manhole 54) Morrissey - All You Need Is Me 55) Swann Danger - No Beginning 56) Rykarda Parasol - Like Maria Callas

En el programa de hoy hablamos sobre cómo ser un buen jefe con Nacho Carretero, Aitana Castaño y el experto en liderazgo Alberto González Pascual. Invitamos al club de las 'Miss Experiencia' a Isabel Guadalupe, una manchega que aprendió a cocinar a fuego lento con su abuela y su madre. Eduardo Barba da consejos a los oyentes para mantener sanas sus plantas. Y Martín Bianchi revisa las novedades de la prensa del corazón, en la que arrecian los rumores de separación entre Tamara Falcó e Íñigo Onieva.

Join Chris Norris from Integrity Advisory Solutions and Rush Wilbanks from NLG as they dive deep into annuity products. In this episode, they discuss National Life Group's innovative offerings, highlighting the unique features of the Retire Max Secure 5, Growth Driver 10, and Income Driver 10. Discover the benefits of multi-year guaranteed annuities (MIGAs), fixed indexed annuities (FIAs), and flexible premium indexed annuities. Learn about the updated green sheet process, sales techniques, and potential market opportunities. Stay tuned for insights into customer profiles, the importance of income riders, and strategies for maximizing retirement savings. This episode is a must-watch for financial advisors looking to boost their annuity business.

Con Robin Food y Leo Harlem viajamos hasta Enix, un pueblo de la sierra de Gádor, Almería, para conocer sus platos, recetas y productos más típicos. 

Con Robin Food y Leo Harlem viajamos hasta Enix, un pueblo de la sierra de Gádor, Almería, para conocer sus platos, recetas y productos más típicos. 

Con Robin Food y Leo Harlem viajamos hasta Enix, un pueblo de la sierra de Gádor, Almería, para conocer sus platos, recetas y productos más típicos. 

La líder y guitarrista del colectivo de música femenino Las Migas, nos acompana en conversacion donde comparte los inicios de su grupo y la inspiración detrás de su último álbum, Rumberas. Las Migas han sabido fusionar el flamenco con otros estilos musicales desde el 2004 y fueron nominadas 3 veces a los Latin Grammys. YaContinue reading "Marta Robles de Las Migas en Clandestino Radio"

Este, como todos los lunes, escuchamos y reaccionamos a las cancion es que nos sugieren o recomiendan durante la semana. No se lo pierdan. Canciones mencionadas en orden:    Coyote island feat Surfer Girl - Everyone need love  Kany Garcia - Una vida buena  Loop mysterio - Muerto en vida Mitad del viaje feat. Nuria Saba , Elisa Tokeshi - Agüita salada Una mente sin recuerdos - Regulación a la baja Solenoide - Maquillaje  Ilyari - Azul Renata Flores - Kutitika Rosie feat Caleb Hearn - Break a promise  Las Migas - Una mica més Cande Bulla - Estábamos rotos  Ronald Lip - Momento West Blanco feat. Vibanco - Tanto Viniloverso - Soy infinito  Los Tetas - tamo haciéndolo  Síguenos en: Instagram: @mixtape_lado_a Spotify: Mixtape: Lado A Amazon Music: Mixtape Lado A Apple Podcast: Mixtape Lado A Envíen sus comentarios o propuestas de sponsor en nuestro correo: Mixtapeladoa@gmail.com --- Support this podcast: https://podcasters.spotify.com/pod/show/mixtape-lado-a/support

Con Robin Food y Leo Harlem viajamos hasta Moratalla, un pueblo de Murcia, para conocer sus platos, recetas y productos más típicos. Charlamos con Óskar Correbiras, fundador del blog Recetas de Moratalla, que nos da la receta para preparar los andrajos, un plato similar al gazpacho manchego, pero con cerdo. Se cocinaba para aprovechar los restos de otros alimentos y comidas que antiguamente había en las casas. Además, hablamos con Maricarmen, presidenta de la Asociación de Tamboristas de Moratalla, sobre las costumbres y tradiciones de su pueblo. 

Con Robin Food y Leo Harlem viajamos hasta Moratalla, un pueblo de Murcia, para conocer sus platos, recetas y productos más típicos. Charlamos con Óskar Correbiras, fundador del blog Recetas de Moratalla, que nos da la receta para preparar los andrajos, un plato similar al gazpacho manchego, pero con cerdo. Se cocinaba para aprovechar los restos de otros alimentos y comidas que antiguamente había en las casas. Además, hablamos con Maricarmen, presidenta de la Asociación de Tamboristas de Moratalla, sobre las costumbres y tradiciones de su pueblo. 

Mónica Garcías nos propone un recorrido por el patrimonio cultural y natural de Cáceres y Badajoz

Esta enfermedad constituye la primera causa de demencia en los paí­ses desarrollados. Pero aun así tal vez no se habla suficientemente del Alzheimer… ¿Estamos preparados para aprender a convivir con esta realidad que ya afecta de forma prematura a mayores de 50 años? El programa analiza esta enfermedad con la Doctora Arnal de AFEDAZ - Asociación de Familiares de Enfermos de Alzheimer y otras Demencias de Zaragoza-; con Lucia Noguerol, cuidadora familiar y con la actriz Carmen Ibeas que actúa esta tarde junto a Mónica Bardem en la obra "Migas de pan" en el Teatro de las Esquinas, y cuya recaudación se destina a la lucha contra el Alzheimer.

¡Vamos con otro grabófono más de Edgar Hita para la colección! Hoy tenemos una declaración de amor: queremos invitar a Natalia de Operación Triunfo a comer migas. Nos acompaña Lusimi Pérez con la guía del buen comunicador de meteorología, Darío García con el repaso a la prensa y Laura Martínez con el segundo grabófono. Tenemos lamborghinis y un ballenato. 

Hoje no Falando de Nada está cheio de tretas! O mais novo Flop do cinema, treta em filme da Blake Lively, Disney tendo lucros suspeitos, Warner Bros errou a conta? Seja um membro da Guilda dos Tagarelers e participe das pautas semanais: https://www.youtube.com/channel/UCa8ekYf6l76ikQszoMYuHkw/join 00:00 - O Falando de Nada começa com frio e gripadinho 02:10 - Deadpool e Wolverine chegou a 1 BILHÃO em bilheteria! 03:18 - O Flop de Borderlands 05:46 - Treta nos bastidores de "É Assim Que Acaba"? 10:15 - Disney obtem lucro com streaming pela primeira vez 15:37 - O Futuro do Disney+ 19:54 - Um pouco do que rolou na D23 24:04 - WBD diz que seus canais valem MENOS? 30:51 - Perguntinhas Marotas e Pix da Alegria Vídeo das Migas sobre BORDERLANDS - https://www.youtube.com/watch?v=paxhyy-aZhE Vídeo das Migas sobre a treta de É ASSIM QUE ACABA - https://www.youtube.com/watch?v=Vz-4k4Cd0J4 ✉ Quer mandar sua sugestão de pauta ou dúvida? Envie um e-mail para

" Los Comics son para el verano" , con Alvaro PonsHoy nos propone conocer el trabajo de Javier Castañeda, con su obra Migas

How can you make your retirement plan truly bulletproof? In this episode of The Financial Quarterback, Josh interviews retirement planning expert David Blanchett. They start by discussing the importance of understanding longevity risk and how annuities can be valuable tools to provide lifetime income. They break down the different types of annuities, including MIGAs, SPIAs, and fixed index options, and emphasize the need to work with knowledgeable advisors to make informed decisions. The conversation then moves to the four percent rule, debating its viability and highlighting the importance of personalized retirement income plans that account for individual circumstances. The two also tackles the significant impact of healthcare expenses on retirement, exploring strategies like long-term care insurance and Medicaid trusts to mitigate these costs. David shares insights on constructing diversified retirement portfolios, balancing equities and bonds, and making strategic portfolio adjustments to navigate market volatility. Josh and David also explore behavioral finance and how investor behavior can impact financial outcomes. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!

M

La primavera, els dies llargs i el bon temps animen tot el panorama musical, que ens regala una col

A raíz del último disco de Beyoncé, 'Cowboy Carter', Fernando Neira repasa cómo el género country se ha renovado gracias a las grandes voces femeninas que han reivindicado el feminismo desde ese género. Después, nos acompañan Las Migas, con su último álbum 'Rumberas' y nos interpretan en directo 'Buen rollo'. Para terminar, los oyentes nos cuentas sus historias musicales y Neira nos regala tres estrenos en exclusiva.

Ariel Florencia Richards entra en La Biblioteca con Antonio Martínez Asensio. Fernando Neira trae a las Historias Musicales la historia de las damas del country y la actuación de Las Migas presentando su nuevo trabajo "Rumberas"

La F

La F

Con nuestro chef Robin Food y Leo Harlem viajamos hasta Pastrana, Guadalajara, para conocer los platos, recetas y productos más típicos de su gastronomía.

Con nuestro chef Robin Food, Begoña Gómez de la Fuente y Leo Harlem viajamos hasta Cieza, en Murcia, para conocer los platos, recetas y productos más típicos de su gastronomía.

** Ponte en presencia de Dios. Trata de hablar con Él. ** 10 minutos son 10 minutos aunque te puedas distraer. Llega hasta el final. ** Sé constante. El Espíritu Santo actúa “a fuego lento” y requiere constancia. Audios de 10 minutos que te ayudan a rezar. Un pasaje del Evangelio, una idea, una anécdota y un sacerdote que te habla y habla al Señor invitándote a compartir tu intimidad con Dios. Busca tu momento, piensa que estás con Él y dale al play. Toda la info en nuestra web: www.10minutosconjesus.org diezminutosconjesus@gmail.com Para recibir cada día tu meditación por Whatsapp pulsa aquí: http://dozz.es/nu36t

“208 - Improving the #AnnuityUX in 2024 With David Hanzlik"   Summary   In this episode, Paul Tyler, Ramsey Smith, and Dave Hanzlik discuss the annuity industry and the changes that occurred in 2023. They talk about the rebranding of TruStage, the growth in annuity sales driven by the rate environment, and the success of fixed annuities and fixed indexed annuities. They also explore the potential for growth in niche markets, such as deferred income annuities, and the role of registered index-linked annuities (RILAs) in the industry. The conversation highlights the importance of making annuity sales easier for advisors and the potential impact of AI in the industry. The episode concludes with final thoughts and tips for annuity sales professionals.   Takeaways   The annuity industry experienced significant changes in 2023, including rebranding and growth in sales driven by the rate environment. Fixed annuities and fixed indexed annuities performed well in 2023, with advisors recognizing the value of the guarantees they provide. There is potential for growth in niche markets, such as deferred income annuities and registered index-linked annuities (RILAs). Making annuity sales easier for advisors and improving the ease of use of annuity products should be a focus for the industry. AI has the potential to play a role in improving operational processes and making the industry more efficient.   Chapters   00:00 Introduction and Welcome 00:30 Recapping the Holiday Season 01:44 Changes and Rebranding in 2023 03:24 Annuity Sales in 2023 07:27 Growth in Niche Markets 08:08 Renewed Interest in Annuities 09:37 Behavioral Finance and Market Ups and Downs 11:08 Deferred Income Annuities and Income Solutions 12:04 The Role of RILAs in the Annuity Market 13:41 White Space in the Annuity Business 16:33 Expanding the Target Audience for RILAs 20:01 Making Annuity Sales Easier for Advisors 22:29 New Year's Resolutions for the Industry 25:15 The Role of AI in the Industry 27:06 Retire Tech Innovation Event 28:29 Final Thoughts and Advice 30:32 Closing Remarks     Paul Tyler (00:01) Hi, this is Paul Tyler and welcome to another episode of That Annuity Show. Ramsey, good morning.   Ramsey Smith (00:08) Good morning to you. Great to be here as always. Good morning to you.   Paul Tyler (00:11) It is, and we've got a great guest, a returning guest, Mr. Dave Hanzlik Vice President, Annuity and Retirement Solutions at TruStage, formerly known as CUNA Mutual Group. Dave, welcome back.   Dave Hanzlik (00:25) Hey, thanks guys. It's great to be back. How was your holiday?   Paul Tyler (00:30) You know, it was too short, too short. And I'm paying for it now, paying for it now as we get ready for our upcoming sales conference here that I'm looking forward to. Ramsey, yours.   Dave Hanzlik (00:34) Yeah.   Ramsey Smith (00:44) Good holiday. We actually spent some time in New York, which is sort of our historic home, which is fantastic. During the Christmas season, it was so, so busy. Frankly, it's great to see what looks like a really great strong recovery for the city over the course of the last year or so. So it's just great to see that kind of energy in the city. So it was fantastic. And other than that, college applications. So busy.   Paul Tyler (01:09) I don't know. Judging from the sketches on your wall, I don't think you're quite there, Dave.   Dave Hanzlik (01:14) No, not yet, although these are several years old. So, yeah, yeah.   Paul Tyler (01:18) Okay. Yeah. Hey, well, listen, we actually had a chance to catch up in person at the Limerick Annual Conference, which was great. But, Liz, it's hard at the beginning of the year not to look back and then look forward. You know, looking back to 2023, it was a big year in the annuity industry and also, you know, a big year for your company. Do you want to talk about the changes and the new name, maybe?   Dave Hanzlik (01:44) Yeah, yeah. I mean, 2023, as you mentioned.   true stage. We went to market and changed our name and brand in 2023. If anyone has done this before that's listening, they know this is a lot of work and wonderful, wonderful dedication from a bunch of talented folks. But it's really about for us, you know, we had a family of brands and we recognize that we want to over time really connect.   Paul Tyler (02:05) Oh yes.   Dave Hanzlik (02:21) across all the life stages of our customers, the financial services solutions that we can bring in. A huge part of that is our annuity and retirement solutions that help people as they're getting to and living through retirement. So I'm very excited about it and happy that we're through the first phase of it. Brand changes, there's always some things that trail for some period of time, but we think it's going to be a great thing for our annuity business.   true stage business in general.   Ramsey Smith (02:56) Fantastic. So look, we're coming off to Paul's point, a great year in annuities. A lot of that's been driven by the rate profile. And so curious to hear your thoughts, you know, one on sort of what segments you saw doing well and why you think they did well in 2023. And then we can sort of shift gears 2024, what that's like, what that's probably going to look like based on what could be.   higher rates for longer or maybe things sort of pull back a little bit. So tell us a little bit about 2023 for starters.   Dave Hanzlik (03:30) Yeah. And, you know, Paul, you and I saw a lot of this when we were together at the annual meeting. First of all, as we entered into 2023, we're coming off a historic year for the annuity business in general, over 300 billion of sales in 2022. And we're probably going to end up 2023 over 350 billion of sales. So another 20 plus percent year over year growth number. You know, yeah, Ramsey.   and Paul, we heard this, the rate environment is a big, big mover of this. And I think it's, you know, a couple of things we've seen, like one is it's helped, you know, recapture the imagination of advisors recognizing, you know, where annuities can help their clients. And in particular, we've seen the fixed annuity space, the MYGA multi-year guarantee annuity space has done extremely well. And   fixed index news did really well. And those are, I think a lot of that was driven by interest rates and advisors identifying that this was the value proposition was really hard to ignore for their customers. We also see the, what I saw in 2023 was a continuation though of growth and a number of other categories as well. The registered index links annuity space and another year that is over 10% growth.   and probably going to reach 50 billion of sales in 2023. So although it was around rates, I think what we were seeing is just advisors understanding and recognizing that the value of the guarantees that annuities can provide and really bringing it more to their customer base and taking advantage of how the rates and guarantees were showing up.   vis-a-vis what we'd seen in the past decade plus of the low rate environment.   Paul Tyler (05:31) Yeah, it was hard not to have a conversation at LIMRA about rates. And, you know, it was a blessing, it was a curse. I mean, the blessing in that you could sell, you know, the products are able to, we're able to show bigger rates, bigger interest rates, higher cap rates. You know, challenges, it was the speed at which it increased. I think a lot of companies had challenges, you know, repricing those MiGAs. I mean, David, we, you know, we would...   go out thinking we were going to be number one and number two. And by the time the rates hit, we were like in fourth place. It was, it was a crazy, crazy year. And then when the business did come in, did you have enough people in place, uh, to actually process the business? And, and, uh, I think, uh, we as a collectively, as a whole in the industry, I think we did a pretty good job, but I know that, you know, there were, there were service issues along the way.   Dave Hanzlik (06:05) Right, right, right.   Yeah, I think one of the, yes, there was a blessing and curse, you know, helping a lot more people using annuities, but stressing the operational administration framework of the industry. So, but I also think that's going to be a positive as you move forward in 2024 and beyond. I think as an industry, we were recognizing that there are some ways of looking at technology, data and...   the service models that could be advanced to take on spikes in business, more business. And it's just sometimes a crisis forces involvement and advancement. So I think that's something that we're going to see as a major.   And she's continuing to get better at service and administration and processing of business.   Ramsey Smith (07:27) So one of the things you and I talked about a bit, Dave, independently was some other areas that have seen growth that have been sort of smaller markets. So we had talked about Diaz in particular. Is that, and again, it will unlikely ever to be as big a market as FIAs or RILAs, et cetera, but there is a market. Is that an area that you think will continue to see growth and attention? I can say that certainly,   I've received inbound calls on them in a way that I hadn't in the past. So I'm curious if you're seeing any of that in your business sort of profile and if you think that might be part of the future as well.   Dave Hanzlik (08:08) Yeah, I do think, you know, Ramsey, as we move into 2024, there's, you know, there's advisors and clients are going to take a renewed interest and look at annuities in general, not just my guys or fixed index annuities. They recognize like, well, there's value here and that the higher rate environment has kind of been an impetus for looking at. So for example, deferred income annuities.   I think, I think you and I talked, I think part of it was like, hey, look, because of the rate environment, there's could just, this could actually just help people identify that there's, there's a deal here. And you know, there's something that we haven't been able to tap into for a few years because how low rates have been. I think just generally though, like income has been something that in 2022 and 2023, a lot of people weren't focusing on. And, but I think as   the latter parts of 2023, we started to see more interest in it from an industry perspective. And I think you can continue to see that. And if you look at industry data, it hasn't really gone away. It's just the accumulation side has just exploded. And the need's still there. I'd also be curious, Ramsey, and it kind of was adjacent to our discussion, was part of it is...   Ramsey Smith (09:24) 100% Yeah.   Dave Hanzlik (09:37) a number of discussions, plenty of these discussions in 2023 where people are like, well, rates are so great. This is the time we should, there's a deal here. And so, you know, and part of, for me, part of it's like, well, that this is part of what annuities are supposed to help people with, which is help them like not get swayed by ups and downs in markets. So   Ramsey Smith (10:04) Mm-hmm.   Dave Hanzlik (10:05) there is a little bit of a lot watching behavioral finance play out where people like rates look so good. Now I'm going to jump into this, you know, universe. So that is something I think as we move into 2024, you know, again, looking at like, how are people looking at plans, their long-term plans, and, you know, I think a crisis can help people kind of re-examine what their long-term goals are. You know, someone feels like they could be all in equities and then, you know,   markets drop 30%. Maybe they really can't be. But I think that's something that will be a really interesting topic and item to kind of navigate in 2024 is kind of get back to – and partly I think rates are going to level out a bit here. And as they do, now are people going to kind of start looking about what is the financial plans that we're putting in place for our clients?   what are the solutions that can make sense? And income, I think, is one of them.   Ramsey Smith (11:08) Yeah, no, absolutely. I mean, it was an interesting discussion I had with this client, ultra high net worth individual. And so liquidity was not an issue. It was really a matter of, so the issue of a deferred income annuities, you essentially have a loss of control of the assets you allocate to it. And so liquidity wasn't an issue for this client. It was very much this idea of creating   some sort of counterpoint, some diversification into a portfolio that otherwise was risk loving, is probably not the way I'd put it, but risk comfortable. It was a very sophisticated investor. And so that's why I thought it was interesting. And to your point, like pricing levels were very attractive, both because of rates and because of appetites relative to longevity risk, you know, at that moment in time. And so I think it worked out well for all parties involved.   Dave Hanzlik (12:04) Yeah, I think, you know, when you look at income today, the industry has, you know, learned a lot of lessons during the Great Recession and, you know, now has deferred income annuity is a great tool, right, Ramsey, for those that don't need the liquidity. But I think the pricing and the creativity around solutions, whether they be in the variable annuity space, the redshift, and the annuity space.   fixed the next news was in the fixed annuity space, which are almost very close. There's fixed annuities with income options that are very close to deferred income annuity except with liquidity, right? So I think there's a lot of great options out there. And I think the industry has done a really good job of setting up the solutions that can be appealing to customers, as well as, you know, we've got...   we have the risk return, risk management piece down really well.   Paul Tyler (13:08) And Dave, I guess, where do you see the biggest white space in the business? I mean, there are ones where if you look at the reports, you say, okay, well, how do we increase penetration in the RA channel? Ramsey, your topic, how do we get more annuity sales in the workplace? The numbers are low, the opportunity is big, but it's also the barriers are really high. I mean, if you sort of think of your CEO of the industry.   Where would you say we should be putting our bets here over the next few years?   Ramsey Smith (13:39) That's a great question.   Dave Hanzlik (13:41) Yeah, I mean, I think those two topics as well as if you think about the topics of, you know, income and retirement plans and the solution that, you know, what's consistent in all of them is the complexity of trying to, you know, have a technology stack and operational stack that can fit within how those marketplaces work.   because they weren't created to accommodate the kind of guarantee solutions. And so I think that's the big challenge to, I think all three of those are really interesting opportunities. But if you're asking me like, okay, Dave, like next few years, where do you think the white space is? I mean, this is no surprise given kind of what our company focuses on. I still think registered index link annuities is a...   wonderful solution because it captures the, you know, addresses the need. Everyone, you know, people are using news because they want downside protection. And then with RILAs, they have the upside potential that they need. And now it's had a lot of discussions and there were discussions at the Limmer meeting, Paul, like, well, you know, because of where rates are, does this mean like RILAs aren't as important? And you still saw...   double-digit growth in RILAs in 2023. And when I talk to my counterparts and other companies, everyone has a RILA or is looking at it, you know, because I think it's just a really creative solution that can kind of bridge a gap of, you know, because people need to continue to grow their asset base, right, but they also, guarantees are a wonderful way of kind of helping them navigate risk and, you know.   of control their behavior risk as well as stabilize the portfolio. And even like, it goes back to Ramsey when you're talking about your higher net worth client that was like part of using like a deferred income annuity, it stabilizes part of their portfolio that allows you and them to work on taking risk in a fashion that makes more sense for their needs. And so,   Ramsey Smith (16:02) Mm-hmm.   Dave Hanzlik (16:13) A lot of, so I really think RILAs are, they'll continue to see them become a bigger and bigger slice of the NUIDI product.   Ramsey Smith (16:21) Can I just sort of extend that a little bit? Just curious, and I have a follow-up comment. So RILAs are interesting. RILAs are registered. So a different, potentially different type of advisor has to sell it, right?   And so I guess my question is like, so is there beyond just the fact that it has practical implications for the customers, does it open up a new target audience? Has it opened up a new target audience for you in terms of advisors that you are or could work with?   Dave Hanzlik (16:33) Right.   Yeah, we've seen it in two fashions, Ramsey. One is, we found that with, you know, it is registered. So, but, you know, some advisors that are registered tend to work with, you know, tend to work with fixed annuities more, fixed index. They tend to work, you know, we found that this has kind of helped them open up, you know, a better way of getting after upside potential with their customers.   Ramsey Smith (17:08) Yeah.   Dave Hanzlik (17:19) with a customer base that tends to be more conservative that they say, oh they want to manage accounts or they want to be in mutual funds, but then as soon as there's a market correction they want to run back into CDs and fixed annuities. So this has been able to help those advisors and have a more logical solution to help their customer base. The other place is, and this is I think, is folks that advisors that just really weren't using annuities, right?   Because they're very comfortable with efficient frontier optimization. And this is something we have many conversations with. We're like, how do you do this? Conversations where we had to kind of like, how does the, how do you, are you sure this makes, you know, advisors are really, maybe have your background, Ramsey, that they really understand how it   how insurance companies construct these solutions. I think it could be something that could help us with the RIA space, traditionally a space that's more focused on just not using guaranteed solutions as much. So those are the two places we've seen as our company, where we've seen some build bridge out into some new space that we weren't seeing before.   Ramsey Smith (18:29) Yeah.   So part of the reason I bring it up is I recently was asked by a family member, a friend actually, to take a look at a portfolio that somebody who was retired had and it was run by sort of a name brand advisor shop or a wirehouse type. And I looked at the asset allocation and 10% of it was allocated into what they called alternatives. But essentially they were structured notes. I looked at the structured notes and it's like...   these structured notes have the same risk profile that a RILA would have. They were really, you know, twin with what are, other than the fact they were written on a bank's paper, as opposed to written on the paper of an insurance company. So I think that sort of the aha moment for me was that, like, there's already use of very similar products already in there. Sometimes they're based on sort of central asset allocations. Some, you know, maybe they're,   made at the company level and the advisors just sort of take what the investment they're supposed to do but it's my way of saying that like there are there are places where things that are close enough to Rila's already exist and are being allocated that might be a business opportunity for you and for others in the space.   Dave Hanzlik (20:00) Right, right.   Paul Tyler (20:01) Interesting. Well, you know, we've had Joe Jordan on a couple of times. I worked with Joe back at MetLife way back when, and Ramsey, well, he always said was, how do you get somebody to do something new as you make it look like something they already do? So, and I think these products that we put out, as much as we think and talk about consumer value, it's, whoever the independent agent, the registered rep, the independent financial advisor,   kind of be, they have to, the product has to be one that they feel comfortable selling it probably as close to the process they've already done. Ramsey, I'm presuming you had probably a relatively easy discussion saying, look, you already own these bank structured notes. Look at this product over here. It's kind of similar and maybe it's a little more efficient.   Ramsey Smith (20:48) Yeah, so I was evaluating, I wasn't selling this. I was just trying to help them understand what they had. But I think it's that balance between pattern recognition, like the advisor understands it well enough, but your offering as TruStage is unique enough that they understand that it's different than the other things that they recognize enough that it's in their comfort zone. And that's the balance that you...   Paul Tyler (20:52) Yeah.   Dave Hanzlik (21:15) Yeah, I really like this question. It does remind me of one of the things that as an industry we really need to continue to focus on, whether it be in new spaces that we have under-penetrated like RIAs or just our current spaces, our current broker-dealer partnerships, how do we continue to make it as easy as possible for the advisor and client to use our solutions because it's a highly regulated...   industry. There's a lot of complexity of just trying to pull sources of funds and all that. And that continues to be, you know, and it's always a topic at our industry conference. There's multiple topics on this and it's something that we continue to focus in on in terms of our investments and the industry in general. And that's one of those things that I, you know, I continue to encourage my peers to like, where are we finding ways of   Ramsey Smith (21:46) Sure. Yeah.   Dave Hanzlik (22:10) collectively trying to make this better for those that we're working with. It's not about, we're trying to just help make this solution more widely available, more easily usable in the different fashions that clients are getting served around their financial and retirement needs.   Ramsey Smith (22:22) Yeah.   Paul Tyler (22:29) So what would you put? It's January. We're still pretty close to the first New Year's resolutions for our insurance industry to do exactly that. They make it easier for advisors to explain these things and communicate the value.   Dave Hanzlik (22:45) Can you say that again, Paul? Sorry.   Paul Tyler (22:46) Well, what would you, you know, if you had a new year's resolution list for the industry, you know, what would make the top of the list there to make it easier to sell products to clients?   Dave Hanzlik (22:59) Yeah, I think it would really be a focus in on working with the distribution partners.   you know, how the solutions are, you know, seen and evaluated. And it kind of goes back to think what you, you know, Paul, you and Ramsey were kind of talking about before, like the pattern recognition and I was really working hard on with our partners, how this is similar to where this is similar to things that they're comfortable with and how do we kind of fit them within that technology and operational and process stack and say, Hey, like it's, it's not the same as what you have. It has some.   advantages, you know, that provided, you know, allow it to be, you know, another arrow in the quiver. So I think the focus on like education of, you know, how this is similar and then how do we make it as easy as possible to kind of fit it within the process. Because I think that's oftentimes what we see in terms of what we get in some pretty specific discussions with our distribution partners. It's like...   lot of it's like they like this when they understand this solution they like it and then it's just like well there's all sorts of things that we all these roadblocks to make it harder you can make it hard for an advisor to potentially use it and it's not to say like a news or that much there's so much more hard harder to use there's always like some like mutual funds management there's always things that can kind of get in the way of using them for a variety of reasons but that's what I would focus in on   Ramsey Smith (24:25) Mm-hmm.   Agreed. Well, I think when you sort of peel back the onion on virtually any financial product, even, and I say this sometimes, that even index funds are, I think, are more complicated than people think. It really ultimately comes down to sort of comfort and familiarity. I think that ultimately is what makes the world move, make this world move. Yeah.   Paul Tyler (24:44) Okay.   All right, so I got a double click on this here, Dave. So, you know, I was there at LIMRA on this platform, this panel talked about   Ramsey Smith (25:10) Uh oh.   Paul Tyler (25:15) AI, general, genera of AI. Boy, great for pattern recognition, great for, is that, what kind of role is that gonna play in 2024 in our industry, do you think?   Dave Hanzlik (25:15) Yeah.   Well, I think every single company in the industry is looking at it and trying to figure out, because I think we've all seen the applications of it. Hey, look, it'll write a term paper in 10 seconds. It'll take a...   create a 40 slide PowerPoint for you in 10 seconds. So, us and our peers are all looking at where are some places that it can be used. But it's one of those things that there's a host of other issues that you have to navigate, because all of our companies are handling very sensitive information. And so, part of what we need to do is make sure we're...   We have it in the right spots and really understand and test through it. But I think for us again, in 2024, I think the industry, it will be more around how can we make operational processes more efficient and then, you know, and then just kind of watching like, okay, are there other places we can extend it and how can we fit that within appropriately within privacy, security, regulatory frameworks? Because again,   This is really, there's definitely sensitive stuff here that we all deal with, and rightfully so.   How about you, Paul? What do you think?   Paul Tyler (27:06) Oh, I'm bullish on it. In fact, don't get me started. No, I, listen, you know, I, everything you say I'm living, living the dream with our internal groups, but we've got some interesting sort of pilots, uh, in the works here. Ramsey knows some of them. Um, I do think we're going to have a great event Ramsey, if you want to talk about it in April, April 8th out in Las Vegas, talking about retire tech innovation in retirement, David, hope we can get you out there and your team. Um,   Ramsey Smith (27:08) You're going to get him started. Don't get him started. We won't have time.   Dave Hanzlik (27:10) Hahaha!   Paul Tyler (27:34) send you some information on it, but this would be the third event that we've held. Ramsey, I think, yeah, you've been... let's see...   Ramsey Smith (27:41) This will be two out of three. So the first one was in Hartford a couple years ago and I was traveling so unfortunately I couldn't make it. You guys sent me a nice message. You sent me a short video letting me know I was missed. So I definitely appreciated that. And then the last one was earlier, I want to say earlier this year, no it was last year. It was March of last year, sponsored by Capgemini. You guys put together a great space with them. That was fantastic. And now we're going on to the big stage. We're going to Las Vegas. So you know.   Dave Hanzlik (27:44) Mm-hmm.   Paul Tyler (27:52) Ha ha ha.   Ramsey Smith (28:10) must be doing something right. That's fantastic. Glad to be part of it.   Paul Tyler (28:12) Yeah. So it was great to have you on here. I don't know, any parting thoughts, advice for people actively selling annuities and having these conversations with clients on a daily basis?   Dave Hanzlik (28:29) Yeah, you know, maybe we kind of touched on this before, but two things. One is like, do you think, you know, we should always navigate through recency bias? Like, it's been a high-rate environment, but you know, like, I think a lot of the opportunities are around, you know, with annuities in particular, it's like, hey, like, there's some great innovation that's happened and continuing to kind of explore how it can help from an income perspective, accumulation perspective.   That's one layer. It's just continue to challenge like, you know, what solutions you're using and how that fits in with the longer term plan that you're working with your clients. And then the second one is I think this theme that we're kind of getting after like, you know, and one that we'll continue to work on and focus on is like, how are we trying to make the process of working with our industry as simple as possible and how are we like looking at tools like AI to kind of make this.   These solutions and the partners we're working with make it as efficient as possible to help serve clients. Those are the two things that we'll continue to zero in and focus on. We're coming off, again, probably it'll be a historic year. I think that lays a great foundation to continue to help people with these solutions and things we can do as an industry.   Paul Tyler (29:56) All right, this was great. Ramsey, any final thoughts, questions?   Ramsey Smith (29:59) Oh, that's, I look, I just want to, I agree with Dave, ease of use. Ease of use is a growth, is a growth area for our industry. And I say that from somebody that touches the industry in many, many ways, distribution, my risk management from my former life as a board member. I think ease of use is, uh, ease of use is, is really going to be a, uh, an important and valuable growth area for, not just for the clients, but also for. You know, the, all of us that work in the industry, I think it will be.   Paul Tyler (30:07) Hahaha!   Ramsey Smith (30:29) think it will be universally beneficial.   Paul Tyler (30:32) Annuity UX. What do you think about that, Ramsey? Is that a hashtag? Dave, you like that? 2024, hashtag Annuity UX. All right, Dave, hey, thanks so much. Look forward to having you back. And well, listen, we'd love to catch up with you later in the year. Ramsey, thanks. And thanks to all our listeners. Join us again next week for another great episode of That Annuity Show.   Ramsey Smith (30:36) Sure, yes.   Dave Hanzlik (30:39) It's great, Paul. You're the Chief Parking Officer, so...   Ramsey Smith (30:40) Yeah. Here we go. Yeah.   and   Sure.   __   Paul D. Tyler | CMO ptyler@nfg.com https://nfg.com M: 914-356-2138  

Avanzamos los primeros nombres del festival Tomavistas 2024 con Alizzz, Belle and Sebastian, The Blaze, Standstill, escuchamos la nueva canción de Miss Caffeina, a Viva Suecia con la nueva versión de 'Gracias' junto a Rozalén y Las Migas y a Hipergéminis, la banda que han formado de Beto y Kobbe, de Niña Polaca. ALIZZZ – Ya No Siento NadaBELLE AND SEBASTIAN – I Don’t Know What You See In MeTHE BLAZE - EyesSTANDSTILL – Adelante BonaparteVIVA SUECIA ft ROZALÉN & LAS MIGAS - GraciasLORI MEYERS ft MANOLA – Ya No Dices NadaMISS CAFFEINA - Bla, Bla, BlaNIÑA POLACA - TraviesoHIPERGÉMINIS ft RENOIR GAFE - Fuego LentoALBERTA CROSS - So Far Out Of ReachVIVA BELGRADO – Un TragaluzCHRISTINA ROSENVINGE ft MARÍA ARNAL – Canción de BodaEXTREMODURO – Ama, Ama, Ama y Ensancha el AlmaTHE CLASH – Death or GloryCIGARETTES AFTER SEX - Motion Picture SoundtrackSEXY ZEBRAS ft DANI FERNÁNDEZ – Quiero Follar ContigoHNOS MUNOZ - Mi fabrica de BaileEscuchar audio

A los pies de la sierra de Santa Cruz, en la comarca de Daroca. La localidad presenta una imagen rural muy bonita, en la que se respira paz y tranquilidad. Hoy las migas nos llevan a Orcajo.

La resolución del retrovisor, y las clases de inglés de Bárbara Lázaro, un nuevo rincón de Aragón en ‘Migas de pan', y toda la información sobre el primer meteorito que cayó en España, concretamente en Sena en el siglo XVIII, en ‘Sabías qué'.

Sus calles dan muestra de un esplendoroso pasado gracias a su ubicación, cruce de caminos entre reinos, en la que han dejado su impronta árabes, judíos y cristianos. Hoy nuestras migas de pan nos conducen a una de las localidades más bellas de Aragón, Daroca.

Un recorrido por diferentes pueblos de Aragón a través de las ‘Migas de Pan', la resolución de nuestro retrovisor, y los mejores momentos, y el sorteo de la taza de Aragón Radio.

Nuestra clase semanal de inglés, la resolución del retrovisor, un nuevo rincón de Aragón en ‘Migas de pan', y toda la información sobre el vinagre como producto de limpieza en ‘Sabías qué'.

Un repaso a la actualidad con Alberto Guardiola de ‘Nunca es tarde', nuestras ‘Migas de Pan', la resolución del retrovisor, y el esperado sorteo de la taza de Aragón Radio.

///MERCH HERE/// https://link.space/@leviscarver --- Support this podcast: https://podcasters.spotify.com/pod/show/myneighbormothman/support

Un resumen de “Migas de pan” esta semana, un repaso cultural al año 2018 en “El retrovisor” y conexión con los monólogos científicos de la Noche Europea de los Investigadores., junto al sorteo de la taza de Aragón Radio resumen esta última hora de “La buena vida”

La actualidad con Alberto Guardiola de ‘Nunca es tarde', un viaje hasta Pueyo de Santa Cruz a través de las ‘Migas de Pan', el mito del muérdago y su romanticismo, nuestro retroviso, y los mejores momentos.

Reverie and Jenny 69 are back on the pod and brought their girl Krystal Poppin to talk about their new music together, being independent, the LA scene being full of scammers, Sharp gives them the real on how they got their interview and more. ----- 2:40 Reverie gives a rundown of her career and  how she's fully independent, just got back from touring in Europe 11:20 Jenny gives Reverie her flowers 12:10 Reverie on wishing she could remove some of the features she did w people she doesn't get along with anymore 16:55 How Krystal Poppin handles haters pulling up at their shows to talk shit, Jenny says they have dry pussies that's why they hate  19:48 Sharp presses the girls for taking haters' seriously, Krystal says she couldn't handle it at first  22:18 Krystal's impact in her career so far  25:45 The girls breaking down crying while recording and the engineer kept it in the song  27:33 Jenny says creatives be scamming in LA every day! They think you have bread so they overcharge youSo she made an OF to make extra bread, Sharp says you have to act BROKE 31:22 The girls rarely get together because of their busy schedule 31:34 Sharp rename them The Migas!  33:28 Sharp suggests the girls should do an EP together 36:34 Sharp says their music is not the reason they're here is their connections with who they know at No Jumper 41:15 Sharp says Jenny has been getting some hate, and is disgusted by the blunt she rolled 43:26 Reverie says the most hate they get is from men, Jenny says they wanna F and can't thats why they hate 44:45 Sharp is annoyed that Jenny acts all green to the blunt LA culture  47:24 Sharp says hes gonna pay for their EP 48:20 Jenny says LA is a hard place for artists to thrive 51:00 The girls sing their hit single "Back Into It" 53:34 Jenny shows her amazing new body  55:53 Jenny is down to boxe whoever for a bag  58:56 Jenny says she never started any beef or fight + Says she would be way further if she didnt listen to the hate every day 1:01:00 Jenny does a drip check, Sharp clowns he glasses from Shein 1:02:50 Krystal Poppin does her drip check with fire pants made by her brother  1:03:45 Reverie drip check  1:04:50 The girls hope to have Ice Cube on the remix of "Back Into It" ----- NO JUMPER PATREON http://www.patreon.com/nojumper CHECK OUT OUR NEW SPOTIFY PLAYLIST https://open.spotify.com/playlist/5te... FOLLOW US ON SNAPCHAT FOR THE LATEST NEWS & UPDATES https://www.snapchat.com/discover/No_... CHECK OUT OUR ONLINE STORE!!! http://www.nojumper.com/ Follow us on SPOTIFY: https://open.spotify.com/show/4ENxb4B... iTunes: https://itunes.apple.com/us/podcast/n... Follow us on Social Media: https://www.snapchat.com/discover/No_... http://www.twitter.com/nojumper http://www.instagram.com/nojumper https://www.facebook.com/NOJUMPEROFFI... http://www.reddit.com/r/nojumper JOIN THE DISCORD: https://discord.gg/Q3XPfBm Follow Adam22: https://www.tiktok.com/@adam22 http://www.twitter.com/adam22 http://www.instagram.com/adam22 adam22hoe on Snapchat Learn more about your ad choices. Visit megaphone.fm/adchoices

Con Robin Food viajamos hasta Cuenca para conocer los platos más típicos de su gastronomía. Aprendemos a cocinar unas migas ruleras de pastor con uvas, conocemos qué es el zarajo y apuntamos la receta del morteruelo, un plato para aprovechar la caza y matanza del cerdo. De beber, preparamos resoli.