Podcast appearances and mentions of Monte Carlo

Work or pleasure? Whatever the excuse, Buncey found his way to Monte Carlo for a dramatic night of boxing that saw Shabaz Masoud outpoint Peter McGrail to claim the European super-bantamweight title. Joined by Darren Barker, he looks back at that fight and the others on a dramatic night of boxing. We also hear from Conah Walker after his stunning 12th-round knockout of Pat McCormack, and from Johnny Fisher, who overcame an early knockdown to stop Ivan Balaz.

Promoter Eddie Hearn talks tomorrow night's show in Monte Carlo headlined by Shabaz Masoud and Peter McGrail. The Matchroom Chairman also previews Johnny Fisher's ring return, the IBF World Lightweight Title clash between Bea Ferreira and Elif Turhan, Conah Walker vs Pat McCormack and gives off some general updates including Callum Smith. Learn more about your ad choices. Visit podcastchoices.com/adchoices

See what 2026's housing costs and mortgage rates might mean for your homebuying plans and learn when you can safely coast on retirement savings. How is the housing market reshaping homebuying going into 2026? When can you stop saving for retirement and still feel confident about your future? Hosts Sean Pyles and Elizabeth Ayoola discuss Coast FI and long-term retirement planning to help you understand when “enough” might truly be enough. But first, senior news writer Anna Helhoski joins Sean and Elizabeth to discuss the year in housing with mortgage writers Holden Lewis and Kate Wood. They review how ultra-low pandemic mortgage rates helped fuel today's affordability crisis, why rising climate risks are driving up home insurance and escrow costs for owners, and how shifting trends like older first-time buyers and fewer buyers with kids are changing what “normal” looks like in the housing market. Then, Sean and Elizabeth discuss Coast FI with listener Paul, who wonders if his roughly $3 million nest egg means he can finally ease off saving for retirement. They discuss how Coast FI differs from traditional FIRE (Financial Independence, Retire Early), ways to manage retirement anxiety even when the math says you're on track, and how a certified financial planner can use tools like Monte Carlo simulations to pressure-test a plan. They also explore balancing long-term security with near-term goals like travel, buying a home, or upgrading a car, strategies for diversifying investments and accounts for tax efficiency, and how to gently transition from aggressive saving to actually enjoying more of your money today. NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: housing market 2026 forecast, housing affordability crisis, mortgage rates 2026, climate change home insurance, rising home insurance premiums, escrow costs increase, home buying budget, when to buy a house, renting vs buying a home, age of first time homebuyer, delaying homeownership, property taxes and insurance costs, Coast FIRE, how much is enough to retire, retirement anxiety, financial independence, living below your means, high savings rate, couples financial planning, Monte Carlo simulation retirement, certified financial planner, balancing saving and spending, money fears, money stories, currency risk in retirement, travel in retirement, and multiple savings goals. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Johnny Fisher and his army of fans flock to Monte Carlo for this weekend's big card. The Romford Bull talks about his late change of opponent in Ivan Balaz, training under Tony Sims' at the Matchroom gym, his love of coffee and England's cricket chances against Australia in the remaining Ashes Test matches. Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's Fight Week in Monte Carlo and what a humdinger we have in the Welterweight division coming up when Conah Walker collides with Pat McCormack. We speak with The Wolf on the ground to discuss the fight, we also break news that there's two ranking belts on the line and his potential route to a World Title and possible rematch with Lewis Crocker. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Bienvenue dans Les Étoilés, le rendez-vous astro qui remet les compteurs à zéro chaque matin. Chaque épisode vous guide en quelques minutes : une ambiance, un mood, une dynamique. L'idée ? Vous aider à mieux comprendre ce qui circule dans l'air, à saisir les bonnes opportunités, à éviter les faux pas… et à avancer avec un peu plus de conscience et de légèreté.Les Étoilés, c'est l'horoscope version Radio Monaco : moderne, intuitif, connecté au réel. Une petite parenthèse matinale pour aligner la tête, le cœur… et les étoiles.

Hier, la Bourse de Paris a limité ses pertes : le CAC 40 a terminé juste au-dessus des 8 100 points, en baisse de 0,2%, tandis que l'Euro Stoxx 50 est resté quasiment stable.Airbus a été la vedette du jour… mais pas pour de bonnes raisons : le titre a chuté de 5,7% après la découverte d'un problème logiciel sur des A320, vulnérables aux tempêtes solaires. Bureau Veritas a reculé de 2,4%, et les valeurs de la défense comme Thales et Safran ont perdu plus de 2%.Aux États-Unis, Wall Street a ouvert dans le rouge malgré des ventes record au Black Friday : le Dow Jones a cédé 0,5%. En cause ? Une tension des taux longs partie du Japon : le rendement du 10 ans a bondi de 4,2 points pour atteindre 1,878%, un record, entraînant dans son sillage les T-Bonds américains à 4,09% et les Bunds européens.Après un rebond récent, les marchés s'interrogent : la Fed baissera-t-elle ses taux en décembre ? Réponse dans quelques jours Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Dans cet épisode, on s'attaque à une tendance qui explose : les patchs “bien-être” à coller sur la peau, vendus comme des solutions miracle pour mieux dormir, réduire le stress ou recharger son magnésium. Promesse high-tech… réalité beaucoup plus nuancée.Les patchs reposent sur une idée séduisante : faire passer des substances actives à travers la peau, comme le font déjà les patchs nicotiniques ou hormonaux. Sur le papier, c'est simple et élégant : pas de comprimé, pas d'irritation digestive, une diffusion lente.Mais la science tempère. Pour le magnésium, par exemple, les études sont faibles et contradictoires. La peau est une barrière très imperméable, surtout aux ions comme le magnésium. Résultat : aucune preuve solide qu'un patch puisse augmenter les taux sanguins de manière significative.Même constat pour les patchs “sommeil” ou “anti-stress” vendus au grand public. Les versions médicales, strictement contrôlées, existent, mais les patchs bien-être qu'on voit en boutique n'offrent aucune garantie sur la quantité réellement absorbée ou sur la diffusion dans le sang. Beaucoup promettent des effets immédiats sans la moindre étude clinique indépendante.Ce que l'on ressent parfois — détente, apaisement, rituel du soir — relève souvent davantage du placebo positif et du moment pour soi que d'un effet pharmacologique mesuré.Alors, révolution ? Clairement pas encore. Les patchs transdermiques sont efficaces pour des molécules bien précises, liposolubles, testées dans un cadre médical. Mais pour le magnésium, les plantes ou les vitamines, rien n'est suffisamment démontré.En naturopathie moderne, on garde les pieds sur terre : si l'on a besoin de magnésium ou d'un soutien au sommeil, les formes orales validées scientifiquement restent la valeur sûre. Le patch peut être conservé comme rituel sensoriel, agréable et apaisant — mais certainement pas comme solution miracle.

Analyse & explications de Laura Magrino.

⚡ SMEG : l'énergie monégasque tournée vers l'avenirDans Le Club Radio Monaco, Guillaume Rose, directeur général exécutif du Monaco Economic Board (MEB), reçoit Sylvain Didierjean, directeur des activités électricité et gaz de la SMEG (Société Monégasque de l'Électricité et du Gaz).L'entreprise, pilier historique de la Principauté, poursuit sa transition énergétique en misant sur l'électricité verte et l'innovation numérique.

In der heutigen Folge gibt es die Rennanalyse zu Katar 2025 Wir sind auch auf Instagram erreichbar: https://www.instagram.com/formulanerdpodcast Wir freuen uns über Kritik, Ideen und weitere Anregungen, um unser kleines Projekt für euch immer Besser zu machen. Viel Spaß wünschen Marc und Manu. E-Mail: formulanerdpodcast@web.de Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

Dans cet épisode, on explore un pilier souvent oublié de la performance durable : la récupération mentale. Après avoir parlé de confiance et d'action malgré le doute, il est temps de s'intéresser à l'énergie intérieure, celle qui permet de rester concentrée, créative et stable malgré la pression.Tout le monde connaît ce moment où le cerveau sature, où la motivation est là mais l'énergie, elle, s'effondre. C'est précisément pour ça que récupérer n'est pas un luxe. Sans recharge, même les meilleures stratégies tombent à plat. Comme une batterie vide, l'esprit finit par ralentir, perdre en clarté et en efficacité.On passe en revue les signes qui montrent qu'on tire trop sur la corde : fatigue chronique, irritabilité, difficulté à décider, sensation d'être débordée même en étant organisée. L'enjeu, c'est de repérer ces voyants avant qu'ils ne virent au rouge.Puis, place aux solutions : micro-pauses, respirations, déconnexion, activités qui régénèrent vraiment, sommeil solide et prise de recul mentale. Un exercice simple de respiration guidée permet d'ailleurs de ressentir immédiatement les effets d'une micro-récupération.Ce rendez-vous rappelle une chose essentielle : prendre soin de son esprit, c'est se donner la possibilité d'avancer longtemps, et surtout d'avancer mieux.

Pleins phares sur le livre de Daniel Boéri, La planète a besoin de nous. On explore l'urgence écologique avec simplicité et clarté. Pas de discours alarmiste, mais un rappel lucide : notre manière de produire, de consommer et de vivre façonne directement l'avenir du vivant. À travers les constats posés par Daniel Boéri et les réflexions qu'ils ouvrent, on découvre pourquoi agir devient une nécessité, et comment chacun peut contribuer, concrètement, à une transition plus responsable. L'objectif n'est pas de culpabiliser, mais de donner des clés, de transmettre un élan, de montrer qu'un futur plus durable reste possible.

In der heutigen Folge gibt es die Rennanalyse zu Katar 2025 Wir sind auch auf Instagram erreichbar: https://www.instagram.com/formulanerdpodcast Wir freuen uns über Kritik, Ideen und weitere Anregungen, um unser kleines Projekt für euch immer Besser zu machen. Viel Spaß wünschen Marc und Manu. E-Mail: formulanerdpodcast@web.de Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

In der heutigen Folge gibt es die Rennanalyse zu Katar 2025 Wir sind auch auf Instagram erreichbar: https://www.instagram.com/formulanerdpodcast Wir freuen uns über Kritik, Ideen und weitere Anregungen, um unser kleines Projekt für euch immer Besser zu machen. Viel Spaß wünschen Marc und Manu. E-Mail: formulanerdpodcast@web.de Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

Bienvenue dans Les Étoilés, votre parenthèse astro quotidienne sur Radio Monaco. Chaque épisode vous propose une lecture simple des énergies du moment, un éclairage sur l'humeur du ciel, et une petite impulsion pour avancer avec plus de clarté. L'idée n'est pas de vous dire quoi faire, mais de vous offrir un guide, un repère symbolique, une façon différente de regarder ce que vous vivez.Un format court, direct, qui vous accompagne où que vous soyez : dans la voiture, au bureau, ou en marchant en bord de mer.

La semaine s'est achevée dans le calme sur les marchés.Après la pause de Thanksgiving jeudi et une séance écourtée à Wall Street pour le Black Friday, les échanges sont restés modérés vendredi.Les principaux indices américains ont terminé dans le vert, soutenus par l'apaisement des craintes liées à une bulle sur les valeurs de l'intelligence artificielle et par la probabilité croissante d'une baisse des taux par la Fed en décembre, désormais estimée à 87%.En Europe, la tendance était similaire : le Cac 40 a légèrement progressé, bouclant une semaine positive, tandis que l'inflation en France s'est stabilisée à 0,9% sur un an.En Allemagne, en revanche, les prix à la consommation ont accéléré à 2,6% en novembre, contre 2,3% en octobre. le mois de décembre /La semaine s'ouvre sous le signe des indicateurs d'activité manufacturiers, attendus en Asie, en Europe et aux États-Unis.Les investisseurs surveilleront également l'évolution de l'inflation en zone euro, ainsi que les statistiques sur l'emploi et les dépenses des ménages américains, prévues un peu plus tard dans la semaine.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

You've probably noticed that life insurance rarely comes up in wealth management conversations. When it does, it's usually dismissed with vague rules about income levels or net worth thresholds that don't actually mean anything. We think that's a problem worth addressing. In this episode, we explore why cash value life insurance deserves a seat at the wealth management table. You'll hear about the specific attributes that make it valuable—not as a path to massive wealth multiplication, but as a solid complement to your other investments. We cover the tax efficiency advantages that go beyond simple tax deferral. You'll learn how life insurance distributions don't count toward provisional income calculations that determine Social Security taxability. We explain how they also avoid triggering IRMAA surcharges on Medicare Part B and D premiums. These benefits become increasingly valuable as your retirement income grows. We discuss the predictability advantage life insurance offers compared to market-based investments. While we're not anti-index funds or real estate, life insurance doesn't require Monte Carlo simulations with 85% success probabilities. You get much greater certainty in your income planning. The conversation also covers how life insurance eliminates the constant reallocation decisions that come with traditional portfolios. You won't find yourself wondering whether to de-risk before a market correction or trying to time your next move. It simply continues doing what it does consistently well. We emphasize throughout that life insurance isn't a replacement for everything else in your wealth management strategy. It's one tool that should work alongside your other investments, sized appropriately for your personal situation and risk tolerance. The key is starting decades before you need it. ______________________________ Ready to explore how life insurance fits into your wealth management strategy? Contact us to discuss your specific situation and see if this missing piece belongs in your financial plan.

Ele não conquistou títulos ou vitórias na Fórmula 1, mas hoje, o ex-piloto é um capítulo importante da história do automobilismo mundial. Nascido em Paris, filho de pai brasileiro e mãe francesa, ele carregava no macacão e em seus carros a bandeira brasileira na maioria das corridas. Nano, como é carinhosamente chamado pela família e amigos, vai completar 100 anos no próximo dia 7 de dezembro. Ele é um pioneiro do Brasil no automobilismo mundial. Marcio Arruda, da RFI em Paris Conhecido pelos europeus como Da Silva desde os tempos em que entrava nos cockpits e acelerava os mais diversos carros de competição, Nano foi o terceiro piloto do Brasil na história da Fórmula 1. Ele se aventurou nos gloriosos, e não menos perigosos, anos 50 da F1. Antes dele, apenas Chico Landi e Gino Bianco tinham representado o Brasil na categoria. Fritz D'Orey, que também competiu na F1 naquela década, estreou oficialmente na categoria apenas em 1959, quatro anos depois de Hermano. Numa Fórmula 1 tecnológica, com investimentos milionários e pilotos famosos, Hermano destoa do que a categoria se transformou. Vive sossegado num balneário francês, aproveitando o que a vida tem de melhor: viver! De sua residência em Biarritz, cidade com 26 mil habitantes no litoral Atlântico, no sudoeste da França, a 40 quilômetros da fronteira com a Espanha, o ex-piloto de F1 gentilmente concedeu uma entrevista exclusiva e falou sobre automobilismo. Mesmo com a idade quase centenária, Hermano da Silva Ramos lembrou episódios marcantes de sua carreira no automobilismo e corridas de Fórmula 1 que disputou nos anos 50. Ele concedeu a entrevista em francês, já que mora na França há 60 anos. Nano alinhou em sete Grandes Prêmios oficiais de F1 em 1955 e 1956, todos pela antiga equipe Gordini. Ele acelerou em circuitos lendários, como Silverstone, o antigo traçado de Monza, com as curvas inclinadas, Reims, local do primeiro GP da França na história da categoria, e Monte Carlo, local do seu melhor resultado na Fórmula 1. Primeiros pontos “Eu fiz o quinto lugar no Grande Prêmio de Mônaco de 1956. Foi formidável!”, lembra Nano, que foi o piloto da escuderia Gordini mais bem classificado naquela corrida. Por 14 anos, Hermano foi o piloto do Brasil com mais pontos na Fórmula 1; a marca só foi superada no GP da Alemanha de 1970, quando Emerson Fittipaldi, que fazia sua segunda corrida na F1, terminou em quarto lugar em Hockenheim. Curiosamente, antes dos dois pontos conquistados por Hermano pela quinta colocação em Mônaco, Chico Landi havia terminado o GP da Argentina na quarta colocação, o que daria a ele três pontos no campeonato mundial de 1956. O detalhe é que, naquela corrida em Buenos Aires, a última de Landi na F1, ele precisou dividir a pilotagem da Maserati com o italiano Gerino Gerini. De acordo com o regulamento da época, em situações assim, cada piloto receberia metade dos pontos. Por isso, Landi ficou apenas com 1,5 pontos. Além dessas sete corridas, Nano disputou outros oito GPs não oficiais entre 1956 e 1959; ora com um Gordini, ora com uma Maserati. Da Silva também acelerou nos circuitos de Aintree e Goodwood, ambos na Inglaterra. Leia tambémJustiça britânica acolhe ação de Felipe Massa sobre título da F1 de 2008 e indenização milionária Na década dominada pelo pentacampeão Juan Manuel Fangio, com pilotos espetaculares, como Alberto Ascari, Jack Brabham e Stirling Moss, e grandes nomes como Mike Hawthorn, Giuseppe Farina, Luigi Musso, Luigi Villoresi, Birabongse Bhanubandh – filho do rei da Tailândia e popularmente conhecido como príncipe Bira – e Peter Collins, Hermano da Silva Ramos lembra das amizades que fez nas pistas. “Eu era muito amigo do Fangio, que era o maior piloto de todos. Mas o Stirling Moss também era muito bom. Para mim, ele era melhor. Fora da Fórmula 1, lembro que venci o Stirling Moss numa corrida de Gran Turismo. Naquela prova, eu tinha um bom carro da Ferrari”, lembrou. “O Fangio é considerado o melhor, mas para mim o melhor é Stirling Moss. Quando ele correu contra o Fangio, o argentino já era mais velho e experiente. Aí deram preferência ao Fangio com os carros que dominavam na época; as Mercedes sobravam nas corridas. Então, deram a Fangio o melhor carro e ele ganhou aquele campeonato mundial”, explicou Nano, se referindo à temporada de 1955, que teve Fangio como campeão – o terceiro dos cinco títulos do argentino – e Moss como vice, ambos pilotos da Mercedes. Aliás, o pentacampeonato de Fangio foi um recorde que durou 46 anos. Somente em 2003 é que a marca do sul-americano foi quebrada; naquele ano, o alemão heptacampeão mundial Michael Schumacher alcançou seu sexto título de F1. Fórmula 1 atual Engana-se quem pensa que o ex-piloto não acompanha mais a Fórmula 1. Ele ainda assiste a corridas e faz críticas; positivas e negativas. “A Fórmula 1 hoje é muito mais segura. Mas na época em que eu competi, a categoria era mais divertida. Hoje, a F1 se tornou monótona; são sempre os mesmos que ganham as corridas”, afirmou o mais velho piloto vivo da história da Fórmula 1, que vai completar 100 anos no domingo, dia 7 de dezembro. Em sua carreira no automobilismo, além do Gordini e da Maserati, Hermano também guiou outro lendário carro italiano de corridas. “Eu guiei para a Ferrari em competições de Gran Turismo e ganhei corridas, uma inclusive contra o Stirling Moss, que estava de Aston Martin. Em Le Mans, eu quebrei o recorde de melhor volta da pista na época. Fui melhor que todo mundo, mas infelizmente o carro quebrou”, contou Nano, que em 1959 competiu nas 24 Horas de Le Mans com a Ferrari 250 Testa Rossa em parceria com o britânico Cliff Allison. Além dessa corrida, Nano disputou outras três edições das 24 Horas de Le Mans, no circuito de La Sarthe, na França, naquela década. Na segunda vez que competiu na lendária pista francesa, em 1955, aconteceu a maior tragédia do automobilismo mundial – o acidente fatal do francês Pierre Levegh, que guiava uma Mercedes 300 SLR, provocou a morte de mais de 80 pessoas e ferimentos em outras 120 que estavam no circuito. Hermano saiu ileso daquela prova. Conselho de Enzo Ferrari Apesar de ter sido piloto oficial da Gordini, tendo vencido quatro corridas fora da F1 pela equipe francesa (Paris Cup/1955, Montlhery/1955, Montlhery/1956 e Tour de France/1956), Nano demonstra orgulho de ter guiado para a Ferrari. Até hoje lembra uma conversa que teve com Enzo Ferrari, fundador da lendária equipe italiana. “O Enzo me chamou para conversar. Ele me deu dois conselhos: mantenha-se na pista e seja rápido. Ele me disse que não iria falar sobre isso novamente. Ele falou que se eu quisesse ganhar deveria fazer dessa forma ou, então, ele me colocaria para fora. Eu fui lá e ganhei a corrida seguinte”, recordou. Leia tambémJovem brasileiro Rafael Câmara é aposta da Ferrari para futuro da F1 “No Gran Turismo, todos os carros eram equivalentes. Havia 15 carros da Ferrari e eu superei todos. Eu pude correr e fazer meu melhor. Eu ganhei na Bélgica, em Spa, que era o mais difícil do mundo”, lembra com orgulho. Brasileiro parisiense? Nascido na capital francesa em 1925, Hermano passou a infância e adolescência no Rio de Janeiro. Perguntado se disputava corridas com as cores da França ou do Brasil, o ex-piloto não ficou em cima do muro: “Eu corria pelo Brasil.” O fato de ter nascido fora do Brasil não faz dele “menos” brasileiro do que outros que aceleraram na F1, como os campeões Emerson Fittipaldi, Nelson Piquet e Ayrton Senna. Nelsinho Piquet, que já competiu na F1, e Max Wilson, que foi piloto de testes na categoria, nasceram na Alemanha e são incrivelmente brasileiros. Outros estrangeiros também nasceram em um país e vestiram a bandeira de outro, como o holandês Max Verstappen, que nasceu na Bélgica. Outro campeão da F1, Jochen Rindt nasceu na Alemanha, mas carregava a bandeira da Áustria. A paixão pelo esporte a motor foi despertada em Hermano ainda no Rio de Janeiro nos anos 40. Uma das primeiras corridas que disputou foi o Circuito da Praça Paris, no Rio de Janeiro, em 1948. A curiosidade daquela prova foi que a competição precisou ser interrompida para que o então presidente do Brasil, Eurico Gaspar Dutra, pudesse passar pelo local para viajar a Petrópolis. Naquela época, o Rio de Janeiro era a capital da República e abrigava o poder executivo federal. Retomada a corrida, Hermano terminou na quarta colocação. Na década seguinte, foi convidado a disputar corridas na Europa. O que aconteceu depois já faz parte da história. Hermano da Silva Ramos deixou o automobilismo aos 35 anos. Depois de pendurar o capacete, se dedicou a outras áreas de trabalho, longe das pistas. Mas a paixão pelo esporte a motor perdura até hoje. No final da entrevista exclusiva concedida à RFI, Hermano mandou um recado em português para os torcedores e amantes da velocidade. “Sinto que sou muito mais brasileiro do que francês no automobilismo. Muito obrigado e até logo, amigos da Fórmula 1. Tchau!”, disse Nano, um dos pioneiros a erguer a bandeira brasileira a muitos quilômetros por hora nas pistas europeias.

Alex Maloney, group CEO, Lancashire Group, points to accepting market cycles, building strong relationships, and avoiding quick fixes as competition intensifies. Maloney spoke with AM Best TV at the Rendez-Vous de Septembre in Monte Carlo.

Avec Laure Lorenzi, médium !

Bienvenue dans Les Étoilés, le rendez-vous astro de Radio Monaco qui remet les horoscopes au goût du jour. Ici, pas de mystique compliquée : une lecture moderne, fun et directe de l'énergie du jour. Chaque signe reçoit son boost, sa mise en lumière, ou son petit warning, toujours avec bienveillance et clarté.Les Étoilés, c'est un moment court, positif, ancré dans le quotidien : ce qui vous porte, ce qui vous inspire, ce qui peut bouger pour vous aujourd'hui. Pas de prédictions farfelues, juste un éclairage pour avancer plus léger, plus aligné, plus confiant.Un horoscope nouvelle génération, pensé comme une parenthèse feel-good, une respiration dans la journée… votre rendez-vous pour commencer du bon pied, avec les étoiles comme compas.

Et si notre rapport à l'argent avait beaucoup moins à voir avec les chiffres… et beaucoup plus à voir avec l'amour ? Dans cet épisode, on explore une idée aussi surprenante que puissante : l'argent serait un miroir direct de nos blessures affectives. Pas seulement un outil matériel, mais une énergie qui circule — ou se bloque — en fonction de ce que l'on croit mériter, de ce qu'on s'autorise à recevoir, et de ce qu'on a appris très tôt dans notre histoire familiale.On plonge dans les traces laissées par l'enfance : les phrases entendues, les modèles transmis, les secrets ou les peurs autour de l'argent. On découvre comment les mémoires familiales — pertes, dettes, injustices, sacrifices — façonnent encore aujourd'hui nos comportements : sous-facturer, manquer, retenir, donner trop, avoir peur de demander.Cet épisode met des mots sur quelque chose que beaucoup ressentent sans jamais l'expliquer : pourquoi l'argent nous touche autant émotionnellement, pourquoi il active la sécurité, le rejet, la dignité, ou le besoin d'être reconnu.

In this episode, we feature two conversations that highlight PWL's culture, values, and intentional approach to advice. We first sit down with Trevor Daigle and Brett Watt, founders of EB Wealth in Halifax, to talk about why they chose to merge their thriving independent practice with PWL — PWL's first acquisition in Atlantic Canada. Trevor and Brett open up about what they saw in PWL's infrastructure, culture, and client-first philosophy, the internal hurdles they had to clear (including their own egos), and the moment they realized they "couldn't unsee" what PWL had built. Then, in the second half of the episode, PWL Portfolio Manager and Financial Planner Phil Briggs walks us through a remarkable real-world case. A podcast listener's father decided to take the commuted value of his defined benefit pension… and the family approached PWL to invest it. Rather than simply execute the plan, Phil stepped back to rigorously analyze whether that decision made sense at all. The result is one of the most compelling demonstrations of evidence-based financial planning we've featured on the show — covering risk pooling, tax implications, Monte Carlo results, survivor benefits, and the emotional side of decision-making. Key Points From This Episode: (0:00:51) Welcoming Trevor and Brett — and why their practice, EB Wealth, aligned so closely with PWL's holistic philosophy. (0:02:30) How long-term cultural fit, infrastructure, and research depth drove their decision to join PWL. (0:04:57) "We can't unsee that": The moment a visit to Ottawa convinced them PWL's values were real at every level. (0:07:45) Their biggest concern: giving up control after years of running an independent practice — and how that shifted. (0:09:43) Setting aside ego: How thinking long-term and client-first changed their perspective on joining PWL. (0:11:35) What excites them most about the future: growth, learning, and being surrounded by experts who prioritize client outcomes. (0:13:17) Seeing PWL's collaborative culture in action — and why industry-typical "sales meetings" were nowhere to be found. (0:14:43) Transitioning clients and feeling the immediate impact on conversations and relationships. (15:05) The setup: A podcast listener reaches out after his father already decided to take the commuted value of a DB pension. (17:25) Why Phil was surprised — and the questions he wanted answered before talking about investing. (17:25–18:49) The benefits of staying in a DB pension: risk transfer, inflation protection, and mortality pooling. (19:07) The risks: employer insolvency, underfunding, and historical examples like Sears Canada and Nortel. (20:10–22:04) Evaluating pension solvency: sponsors, surplus status, funding ratios, diversification, and regulatory filings. (23:49) Reasons someone might take the commuted value: investment preferences, life expectancy concerns, and survivor benefits — the central issue in this case. (25:15–30:52) The tax trap: how the "excess amount" of a commuted value can trigger immediate taxation — in this case at the 53.53% marginal rate — and how RRSP room and PARs interact. (31:26–33:53) Modeling the decision: building retirement scenarios in financial planning software, including spending, inflation, CPP/OAS, rental income, and Monte Carlo analysis. (34:00–37:54) Results: 60/40 investment after commuting: overfunded plan but with significant volatility. 100% equity: higher legacy, similar failure rate. Leaving the pension with the employer: similar retirement score but dramatically higher Monte Carlo success (96%) due to guaranteed income, inflation hedging, and tax smoothing. (38:32–40:55) Why the pension's stable income floor and deferred taxation made such a big difference — even in a shortened-life-expectancy scenario. (41:05–41:37) Other firms simply accepted the commuted-value plan; PWL was the only firm to fully analyze the decision. (43:50–44:53) How personal values, risks, and emotional comfort interact with data in real financial planning decisions. (45:00–47:28) The next decision: choosing between a higher pension with a 2/3 survivor benefit or a lower pension with a 100% survivor benefit — and how break-even analysis (age 81) informed the client's choice. (47:44–48:31) Why planning software provides clarity people can't get through gut feel alone. (48:31–49:59) Trust and incentives: why turning down a large investable sum was the right decision — and why PWL celebrates that. (50:08–51:01) Culture + incentives: how PWL's structure allows advisors to prioritize clients without sales pressure. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Ben Wilson on LinkedIn — https://www.linkedin.com/in/ben-wilson/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

En el último episodio de noviembre repasamos algunas de nuestras novedades favoritas presentadas a lo largo del mes.Playlist;(sintonía) LANGHORNS “Monte Carlo confidenziale”RADIOACTIVITY “Time won’t bring me down”X “Struggle”GNOMES “Better with you”LES KITSCHENETTE'S “Poison”PLANBEE BEE SEA “Holy money”GLYDERS “Stone shadow”THE HEADCOATS “If people don't like it (it must be good)”PLADÜR “Torreznos”BLOODSHOT BILL “Bones rattle”HOWLIN RAMBLERS “Shadow son my trail”THE LEMON TWIGS “Friday (I’m gonna love you)”EXNOVIOS “Naves misteriosas”GEESE “Cobra”JE’TEXAS “No vacancy”HONEYBEAR THE BAND “Work in progress”LITTLE RACHEL “You don’t owe me a thing”SHARP PINS “I don’t have the heart”L.H.D. “The river forgets”Escuchar audio

Aujourd'hui, on fait le point sur une polémique qui a beaucoup circulé : le cadmium dans le chocolat. Parce que pour la majorité d'entre nous, le chocolat reste synonyme de plaisir — mais il est aussi l'un des super-aliments les plus puissants qui existent.Le cacao pur est naturellement riche en flavanols et en polyphénols, deux antioxydants qui stimulent la production d'oxyde nitrique. Résultat : meilleure circulation, tension qui baisse, esprit plus clair. Ils favorisent aussi la libération d'endorphines et de sérotonine, ce fameux “coup de bien-être” après un carré de chocolat noir. Les études montrent qu'un cacao riche et peu transformé soutient le cœur, le cerveau et l'énergie cellulaire. Ce sont surtout les chocolats noirs et peu sucrés qui apportent ces bénéfices.Alors, qu'en est-il du cadmium ?C'est un métal naturellement présent dans certains sols, notamment en Amérique latine, que les fèves absorbent via leurs racines. En grande quantité, il peut être toxique, c'est pourquoi des seuils stricts ont été fixés en Europe.La solution, c'est de choisir intelligemment :– privilégier un chocolat noir à 70 % minimum ;– regarder la provenance et opter pour des marques transparentes ;– rester autour de 20 à 30 g par jour ;– choisir du bio et du peu transformé ;– et, pour les puristes, le cacao cru contrôlé reste le plus concentré en antioxydants.

Dans cet épisode, on explore ce qui se passe dans notre énergie quand on traverse un deuil. La disparition d'un être cher modifie profondément notre fréquence intérieure : la présence physique disparaît, mais le lien, lui, reste vivant autrement. C'est ce décalage qui crée ce vide au niveau du cœur ou du plexus, cette lourdeur que beaucoup ressentent.On parle aussi des signes d'un deuil qui n'a pas encore trouvé son chemin : difficulté à évoquer la personne, perte d'élan, colère qui s'installe, impression de ne plus avancer. Ces signaux montrent simplement que l'énergie n'a pas encore retrouvé sa fluidité.Alors comment accompagner ce passage ?En laissant les émotions circuler. En écrivant ce qui reste bloqué. En créant un rituel symbolique pour honorer le lien. En se reconnectant à la vie par le corps, la nature, la respiration. Et, si besoin, en se faisant accompagner pour réharmoniser son espace intérieur.Le deuil n'efface rien : il transforme. Il réinvente le lien. Il apprend à aimer autrement.

Les Étoilés, c'est le podcast qui décrypte chaque jour l'énergie du ciel. Un rendez-vous court, clair, moderne, où les signes ne sont pas des prédictions… mais des clés pour mieux comprendre votre humeur, votre élan, votre météo intérieure. Ici, l'astrologie devient un outil pratique : une boussole pour avancer, créer, aimer, respirer un peu mieux.Chaque épisode éclaire les vibrations du jour, révèle les tendances du moment et offre une lecture simple, sensible et accessible à tous.Une pause lumineuse, une minute à part, pour se reconnecter à soi — et laisser les étoiles guider juste ce qu'il faut.

Mardi, une pluie d'indicateurs a brossé un paysage inquiétant sur l'état de l'économie américaine, avec une progression plus faible que prévu des ventes aux détail pour septembre et une confiance des consommateurs en chute libreCes données viennent conforter l'idée d'un ralentissement de l'économie américaine et donc appuyer la perspective que la Réserve fédérale américaine pourrait baisser ses taux dans les prochaines semaines.Les projections du marché indiquent désormais une probabilité de plus de 80 % d'une baisse d'un quart de point des taux directeurs en décembre, contre une probabilité de seulement 30 % il y a quelques jours.Ce nouvel élan d'optimisme a porté les marchés actions hier. A paris l'indice CAC 40 s'échangeait au-dessus de 8 050 points en fin de journée en hausse de 0,80%.Au rang des entreprises le titre l'Oréal s'échangeait en tête du Cac 40.Le numéro un mondial des cosmétiques a mis en lumière lors d'une Viso conférence mardi soir les tendances positives observées sur les marchés de la beauté de luxe, notamment en Chine et aux Etats-Unis.De nombreux analystes ont trouvé ces propos encourageants et ont réhaussé hier leurs recommandations sur le titre. Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Most retirees worry about whether their money will last—but few understand the real variables that determine success. In this episode, we go beyond the usual “spend less, earn more” advice and unpack the math that truly drives a sustainable retirement: the rate of return you actually need, how to stress-test your portfolio against bear markets, and why flexible withdrawals can extend the life of your nest egg. Tyler Emrick, CFA®, CFP®, walks through how a real financial plan uses Monte Carlo simulations, withdrawal sourcing strategies, and tax-smart distribution planning to give you confidence—even in volatile markets. If you want your money to last as long as you do, this episode will give you the framework to make smarter decisions today and a stronger plan for tomorrow. Here's some of what we discuss in this episode:

Les explications de Valérie Elineau, sophrologue et thérapeute holistique spécialisée dans le désir d'enfant et le bien-être de la femme

Chaque matin, Les Étoilés vous ouvre une parenthèse magique sur Radio Monaco : un rendez-vous court, vibrant et pensé comme une boussole énergétique pour démarrer la journée. On parle d'ambiance, de dynamique, d'élan intérieur. L'idée : vous donner une lecture simple et inspirante du ciel du jour, pour mieux comprendre l'atmosphère dans laquelle vous évoluez.Que vous soyez Sagittaire qui fonce, Balance en recherche d'harmonie ou Poissons en pleine créativité… Les Étoilés est là pour éclairer vos journées.

Dans Le Club Radio Monaco, Guillaume Rose, directeur général du Monaco Economic Board (MEB), reçoit Giuseppe Ambrosio, expert-comptable et conseiller d'entreprise à la carrière internationale impressionnante.Installé en Principauté depuis dix ans, il est l'un des plus anciens membres du MEB et cumule neuf inscriptions professionnelles sur trois continents.

Please have your driving gloves at the ready - there's plenty of car chat in today's episode. Jane and Fi also chat replenishing the store cupboard, Windy Miller, cricket, and the dying art of sweet and sour. Please get your thoughts in for book club! We will be recording it this week. You can listen to our 'I've got the house to myself' playlist here: https://open.spotify.com/playlist/2MkG0A4kkX74TJuVKUPAuJIf you want to contact the show to ask a question and get involved in the conversation then please email us: janeandfi@times.radioFollow us on Instagram! @janeandfiPodcast Producer: Eve SalusburyExecutive Producer: Rosie Cutler Hosted on Acast. See acast.com/privacy for more information.

We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I've followed the rules—so why doesn't my Retirement Plan feel safe?” https://www.youtube.com/live/gFQYEJWlWpI Bruce gave me the look that says, “Let's tell the truth.” Because we've seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn't. Markets don't ask permission. Inflation doesn't use a calendar. Life throws curveballs, blessings, and bills. If your Retirement Plan only survives in a spreadsheet, it's not a plan—it's a hope. Today, let's trade hope for structure and anxiety for action. What You'll Gain From This GuideYour Retirement Plan Isn't Just Math—It's LifeRetirement Planning Risks You Can't IgnoreSequence of Returns RiskInflation and the Cost-of-Living SqueezeTaxes (The Leak You Don't See)Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a GuaranteeThe Cash-Flow ToolkitFoundations — Guaranteed Income in RetirementFlexibility — Cash Value Life InsuranceDiversifiers — Alternative Income InvestmentsRetirement Plan Buckets Liquidity / “Free” Bucket (safety net)Income Bucket (essentials)Growth / Equity Bucket (long-term engine)Estate / Legacy Layer (optional)Taxes: Design for Control, Not SurpriseBehavior, Purpose, and Work You LoveInfinite Banking—Where It Fits in a Retirement PlanWhat Makes a Strong Retirement Plan?Take the Next StepBook A Strategy CallFAQWhat makes a strong retirement plan?Is the 4% rule safe for my retirement plan?How do taxes impact my retirement plan?Can whole life fit into a retirement plan?What are retirement income buckets?How can I protect my retirement from inflation?What's the role of annuities vs bonds in a retirement plan?Who qualifies as an accredited investor? What You'll Gain From This Guide In this article, Bruce and I break down what actually makes a strong Retirement Plan for real families: Why accumulation-only thinking creates a false sense of security—and how to pivot toward reliable income. The big retirement planning risks to plan for: sequence of returns risk, inflation and retirement, and taxes. Why the 4% rule retirement guideline is a starting point, not a promise. How to use retirement income buckets—in the same language we used on the show—to avoid selling at the worst time. Where guaranteed income in retirement, cash value life insurance, and (when appropriate) alternative income fit. How Roth conversions, withdrawal sequencing, and structure put you back in control. You'll walk away with a practical framework to move from “big balance” thinking to a Retirement Plan you can live on—calmly. Your Retirement Plan Isn't Just Math—It's Life Static models vs dynamic lives.As Bruce said, no family is static. Monte Carlo averages over 50–100 years don't describe your next 20. Averages hide timing risk. If poor returns arrive early while you're withdrawing, “average” performance won't save the plan—cash flow will. From accumulation to income.Most of us were trained to chase a number. But the goal of a Retirement Plan isn't a pile—it's predictable cash flow you can spend without gutting your future. That shift—from “How big?” to “How dependable?”—changes the tools you choose and the peace you feel. Use the LIFE purpose filter.We run every dollar through a purpose lens: Liquid, Income, Flexible, Estate. When each bucket has a job, decisions get simpler and outcomes get sturdier. Retirement Planning Risks You Can't Ignore Sequence of Returns Risk How Your Retirement Plan Avoids Selling Low Sequence risk is the danger of bad returns showing up early in retirement. If your portfolio drops while you're taking income, you must sell more shares to fund the same lifestyle. That shrinks the engine that's supposed to recover—and can cut years off a plan. Your protection: hold dedicated reserves and reliable income so market dips don't force sales. (We'll detail our buckets in a moment—exactly as we discussed on the show.) Inflation and the Cost-of-Living Squeeze Build Inflation Awareness Into Your Retirement Plan Prices don't rise politely. Even modest inflation, compounded, squeezes fixed withdrawals. Bond yields, dividend cuts, and rising living costs can collide. Your protection: blend growth and income that can adjust, avoid locking everything into fixed payouts that lose purchasing power, and review spending annually so your Retirement Plan keeps pace with reality. Taxes (The Leak You Don't See) Retirement Plan Tax Strategy & Withdrawal Sequencing Withdrawals from tax-deferred accounts are ordinary income. That can: Push you into higher brackets Trigger IRMAA Medicare surcharges Increase the taxation of Social Security Complicate capital gains planning Your protection: design taxable, tax-deferred, and tax-free buckets; use Roth conversions in favorable years; and sequence withdrawals to manage brackets and RMDs—not the other way around. Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a Guarantee Stress-Test Withdrawal Rates You Can Actually Live With We don't hate the 4% rule; we just refuse to outsource your life to it. Yields, inflation, fees, and timing change the math. When low-yield years pushed chatter toward “2.8%,” it proved the point. A better approach: Stress-test 3%–5% withdrawal rates. Add non-market income (pensions, annuities vs bonds, business/real-asset cash flow). Keep dedicated reserves so you don't sell at the bottom. Turn a rule of thumb into a plan. The Cash-Flow Toolkit Foundations — Guaranteed Income in Retirement Cover Essentials, Then Take Prudent Risk A predictable floor is priceless. Pensions, Social Security, and income annuities can cover core expenses so volatility doesn't dictate your grocery list. You trade some upside for contractual certainty—and many families prefer sleeping well to chasing every basis point. Flexibility — Cash Value Life Insurance Downturn Buffer, Tax-Advantaged Access, and Legacy Backfill Done properly, this can strengthen a plan: Downturn buffer: use cash value to fund spending during market slides—avoid selling equities at a loss. Tax-advantaged access: policy loans/distributions (managed correctly) can supplement income without spiking taxable income. Legacy backfill: the death benefit protects a spouse and replenishes assets for heirs, letting you spend with confidence. This is one reason infinite banking retirement thinking resonates: control and optionality matter when life isn't linear. Diversifiers — Alternative Income Investments Accredited Investor Rules, Liquidity, and Position Size For those who qualify under accredited investor rules, private credit, income-oriented real estate, or operating businesses can provide alternative income investments with lower correlation to public markets. They're not risk-free and often lack daily liquidity—so size positions prudently. The draw is simple: steadier cash flow vs accumulation. Retirement Plan Buckets We didn't frame them by time horizons on the episode; we framed them by purpose. Here's the exact structure we discussed and use with families: Liquidity / “Free” Bucket (safety net) Cash, money market, CDs, cash value life insurance.Purpose: fund spending and surprises without touching equities during a downturn; bridge timing gaps so sequence risk doesn't bite. Income Bucket (essentials) Social Security, pensions, annuity income, bond ladders, durable dividend payers.Purpose: dependable monthly cash flow for core lifestyle needs so markets don't control your paycheck. Growth / Equity Bucket (long-term engine) Broad equity exposure and other long-term growth assets.Purpose: outpace inflation and periodically refill income/liquidity buckets. Estate / Legacy Layer (optional) Life insurance death benefit, beneficiary designations, trusts.Purpose: protect a spouse and pass values + capital with clarity. Taxes: Design for Control, Not Surprise Roth conversions:Convert slices of tax-deferred money when brackets are favorable to grow your tax-free bucket. Withdrawal sequencing:Blend taxable/Roth/tax-deferred withdrawals to target bracket thresholds, manage IRMAA, and soften RMDs later. Give with intention:If charitable, consider appreciated assets or bunching strategies; align with your estate plan. We also coordinate tax buckets—taxable, tax-deferred, and tax-free (Roth/cash value)—so your Retirement Plan controls brackets, IRMAA, and RMDs rather than the other way around. A tax-smart Retirement Plan can add years of sustainability without asking for more market risk. Behavior, Purpose, and Work You Love Clarity about why the money matters anchors behavior when markets wobble. Travel with grandkids? Fund ministry? Launch a family venture? Purpose steadies the hand. And one more lever: if you enjoy your work, consider delaying full retirement. Each extra year can improve the math dramatically—more contributions, fewer withdrawal years, and potentially higher Social Security benefits. Infinite Banking—Where It Fits in a Retirement Plan Lenders profit from your lifetime financing. Strengthening your family's “bank” can keep more control in your hands: Finance major purchases through your system rather than outside lenders—recapture more interest. Maintain cash value as a volatility buffer. Use the death benefit to protect a spouse and fund legacy goals. It's not magic. It's discipline and design—complementary to the rest of your Retirement Plan. What Makes a Strong Retirement Plan? Built for dynamic lives, not static spreadsheets. Prioritizes cash flow you can spend, not just a big balance. Plans around sequence risk, inflation, and taxes—on purpose.

This episode of the Global Medical Device Podcast features a compelling conversation with Perry Parendo, a seasoned expert in product development and project management within the MedTech sector. Host Etienne Nichols and Perry delve into the challenges and opportunities facing medical device development, emphasizing the critical role of agile practices, risk management, and the necessity for a patient-focused approach. The discussion sheds light on how companies can navigate regulatory landscapes, manage project risks, and drive innovation to enhance patient care.Key Timestamps:00:00:15 - Introduction of Perry Parendo and the episode's focus00:03:50 - Discussing the challenges of MedTech product development and regulatory hurdles00:12:20 - Agile methodologies vs. traditional project management in MedTech00:22:35 - The importance of risk management and Monte Carlo simulation in project planning00:34:10 - Perry's perspective on innovation, compliance, and balancing project priorities00:45:55 - Strategies for efficient and effective product development processesQuotes:"We're so focused from a compliance point of view on patient and health risk, we're not focused on project risk. And when I worked in the defense industry, we were hugely focused on project risk," Perry Parendo"There's waterfall, there's agile, there's Toyota, there's set based design, and there's APQP in the automotive industry. They're all a blend. There's no organization that's doing purely the theoretical of any one of those processes," Perry ParendoTakeawaysInsights on MedTech Trends:The convergence of agile and traditional methodologies tailored to MedTech's unique demands.The rising importance of advanced risk management techniques, like Monte Carlo simulations, in navigating project uncertainties.A call for innovation that transcends regulatory compliance to genuinely benefit patient care.Practical Tips for Listeners:Adopt a flexible approach to project management by integrating various methodologies based on project needs.Prioritize risk management early in the development process to foresee and mitigate potential challenges.Always align product development objectives with the ultimate goal of improving patient outcomes.Questions for Future Developments:How will evolving regulatory standards shape the next generation of medical devices?What role will patient feedback play in the design and development of future MedTech innovations?Can MedTech sustain its pace of innovation while ensuring safety and compliance?References:Perry Parendo on LinkedInEtienne Nichols on LinkedInBehavioral Grooves podcast with Annie Duke - Thinking in BetsBook - Someday is Today, Ron RichardYoutube video - the Heartbeat of New Product DevelopmentQuality Culture for Product Design SuccessDesign News Columns

In today's Frequent Miler on the Air podcast, we'll look at United's cardholder discount, Hilton's Diamond Reserve status, and we'll rank the perks of hotel elite benefits from Marriott, Hilton, Hyatt, and IHG.Giant Mailbag(01:13) - "I just spent the day in Nice and Monte Carlo and I have you to blame..."Bonvoyed(03:30) - United increases prices for close-in award bookingsRead more about United's increased prices for close-in award bookings here.Awards, Points, and More(06:08) - Bilt/Rakuten: Read more about earning Bilt points with Rakuten here.(08:36) - Add your Passport to your Apple Wallet(11:11) - Hilton Diamond ReserveRead more about Hilton Diamond Reserve status here.(19:57) - Read more about Greg's opinion about how Hilton's Diamond Reserve status disappoints here.Main Event: Elite Benefit Battle: Marriott, Hilton, Hyatt, and IHG(23:52) - Free breakfast, lounge access, suite upgrade certificates, guaranteed late check-out: which program has the best benefits?(24:20) - Primary shortcuts(30:36) - Comparing Hilton, Hyatt, IHG, and Marriott for free breakfast(40:21) - Comparing Hilton, Hyatt, IHG, and Marriott upgrade certificates(50:43) - Comparing Hilton, Hyatt, IHG, and Marriott lounge access(58:05) - Comparing Hilton, Hyatt, IHG, and Marriott, 4 PM Late check-out guaranteedQuestion of the Week(1:03:54) - Are there banks that let you refer to a lesser card if you have the more premium card?Learn more about Amex multi-referrals here.Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie Yoder

Robert Wiest, CEO, MS Reinsurance, discusses reinsurance trends, the importance of underwriting discipline and strategies for managing risk in a changing market. Wiest spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

John Cavanagh, co-founder, Beat Capital Partners, discusses how managing general agents matured into underwriting leaders, specialty growth, client focus and responses to emerging risks. Cavanagh spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Jocke och Jonna har varit borta i två veckor på sin långa Europaroadtrip, så Jonas ringer för att kolla läget med dem. Jocke hatar Tyskland, Jonna älskar McRösti, båda älskar Monte Carlo och barnen är både på bråkhumör och språkhumör. En helt vanlig semester alltså. * Det här är ett gammalt avsnitt från Podme. För att få tillgång till Podmes alla premiumpoddar samt fler avsnitt från den här podden, helt utan reklam, prova Podme Premium kostnadsfritt. *

Andy and Ben Brandt from Retirement Starts Today share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Thoughts on Monte Carlo analysis; the good, the bad, the ugly ( 9:10 )Why all retirement plans are ultimately wrong as soon as they're made, and need to be agile and adaptable ( 13:30 )How to try to help people get comfortable spending the money they've accumulated ( 22:53 )Should people care how financial advisors dress? ( 29:18 )Is IRMAA (Income Related Monthly Adjustment Amount) something that needs to be avoided, or is it okay to knowingly pay some IRMAA in the name of longer term tax planning ( 35:12 )Are there any planning considerations or concerns people should have if the government shutdown continues to drag on ( 39:58 )Is renting a home (instead of owning or buying) a home in retirement okay ( 44:27 )Are Donor Advised Funds worth using ( 48:35 )Their thoughts on Artificial Intelligence and how it may impact financial and retirement planning ( 52:52 )Is it okay to pay taxes on Roth conversions by withholding it from the IRA, or should taxes on conversions only be paid with money outside of an IRA, such as in a bank or brokerage account ( 1:00:42 )Links in this episode:Ben's website - Retirement Starts TodayBen's YouTube channel - Even Better RetirementTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Most financial advisors still cling to the outdated "4% rule" — the idea that you can safely withdraw 4% a year from your retirement portfolio and never run out of money. But what happens when someone tells you to pull 8–10% instead? Total disaster. I ran the numbers using real Monte Carlo simulations. A 10% withdrawal rate only has a 3.3% chance of success. That means 97 out of 100 retirees would run out of money before they die. The math doesn't lie — but Wall Street might. The truth is, there is a smarter way. A system that lets you pull 2–3x more income, tax-free, and with safety and liquidity built in. Stop gambling your retirement on "hope and growth." Start building it on strategy and certainty.

Jesse returns for the 10th "Ask Me Anything" episode to tackle three listener questions that cut to the core of modern wealth planning. He opens with a deep dive into direct indexing, separating substance from sales pitch. While advocates tout it as the next evolution of indexing—combining personalization and tax-loss harvesting—Jesse explains why, for most investors, the extra complexity, cost, and tracking error outweigh the modest tax advantages, making low-cost ETFs the better long-term choice. Next, he answers a question from a listener whose retirement timeline doesn't align with their spouse's, exploring how couples can navigate income changes, healthcare coverage, and tax strategy when one partner stops working years before the other. He breaks down the pros and cons of filing jointly versus separately, showing why joint filing almost always leads to lower overall taxes and greater flexibility. Finally, Jesse delivers a masterclass on decumulation—the art and order of withdrawing money in retirement. From spending taxable assets first to preserving Roth and HSA accounts for last, he maps out how smart sequencing, Roth conversions, and bracket management can extend portfolio life, minimize taxes, and keep retirees financially steady through every stage of the journey. Key Takeaways:• Direct indexing isn't revolutionary for most investors—it's often an overhyped, higher-cost alternative to low-cost ETFs with limited long-term benefits. • Married filing jointly is almost always the better tax choice, offering lower overall tax rates, higher standard deductions, and broader eligibility for credits. • Before changing filing status, couples should test both scenarios using online 1040 tax calculators to see the real impact on their total tax bill. • Guardrail and Monte Carlo strategies help retirees adjust withdrawal rates dynamically based on market performance, rather than using a rigid 4% rule. • HSAs can be used as stealth retirement accounts, reimbursing decades-old medical expenses tax-free or even acting as traditional IRAs after age 65. • The key to successful retirement planning is flexibility—balancing tax efficiency, market uncertainty, and personal goals to ensure sustainable income for decades. Key Timestamps:(02:24) – Tax Loss Harvesting: Strategies and Examples (10:06) – Direct Indexing: Pros and Cons (17:18) – Financial and Tax Planning for Lopsided Retirements (24:09) – Retirement Withdrawal Order of Operations (32:39) – Real-Life Financial Planning Experiences (40:56) – Roth Conversions and Tax Bracket Management (45:37) – Optimizing for Post-Death and Social Security Timing (52:26) – Common Mistakes in Retirement Withdrawal Strategies Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://www.guidestone.org/resources/education/calculators/tax/tax1040 https://bestinterest.blog/0-capital-gains-vs-roth-conversions-how-to-optimize-in-your-financial-plan/ https://bestinterest.blog/spousal-survivor-divorced-social-security/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

What a show we have coming up in Monte-Carlo on Saturday 6 December. Eddie Hearn hosts a launch press conference with Shabaz Masoud and Peter McGrail plus undercard fighters Pat McCormack, Johnny Fisher and Sean McComb. Listen in to what is promising to be one of the lineups of 2025. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, Karen is joined by Barr Moses, CEO and Co-founder of Monte Carlo, to explore how AI agents are transforming how data teams work — and why trust must sit at the heart of every data and AI initiative.   Barr shares how troubleshooting agents save days of work mimic human reasoning to identify and fix data incidents, how teams can “operationalize trust” in their data and/or AI systems, and what it really takes to bridge the gap between hype and reliable business value.   Together, they unpack the pressure data teams face to deliver AI quickly, the realities of observability, and why technology alone isn't enough .   Whether you're building AI systems, leading a data function, or simply trying to make sense of the fast-changing landscape, this episode will help you understand what it takes to build data and AI you can trust.

Ben Rose, co-founder and president of reinsurtech Supercede, said firms lose time pulling data from inconsistent spreadsheets, highlighting the need for cleaner information. Rose spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

In this episode of Movie Torture, Brad, Jacob, Hannah and MTD tackle the comedy "Once Upon a Crime," where three couples navigate a murder mystery in Monte Carlo. With a gambling husband, a cheating wife, and a dog with a fortune, the plot is as unpredictable as it is funny. Hannah, Brad, and Jacob also discuss the evolution of their podcast's intro songs, while Jacob talks about how him and Brad went to the movies the night before this recording and Brad lost his wallet and highlighting Troy's unforgettable reactions to scary scenes. Join The Pod Father, The First Lady, and Brad as they explore mistaken identities, unexpected twists, and a surprising conclusion. Tune in for a mix of humor, intrigue, and a standout canine performance.Follow Movie Torture here:https://www.instagram.com/movietorturepod/Buy Merch here:https://www.bonfire.com/store/the-hopecast-network-swag/This show is brought to you by The Hopecast Networkhttps://www.instagram.com/hopecastnetwork/

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Ever wonder what the real numbers look like behind a proven trading plan? In this video, we pull back the curtain on OVTLYR Plan M and show you exactly why traders who use data win more often. Forget hype and hot takes. This is pure, tested performance backed by Monte Carlo results and thousands of real trades.We're talking over 7,000 trades, almost 4,000 winners, and a 57 percent win rate. That might not sound wild at first, but here's the secret most people miss: consistency beats perfection. With an average 2.25 percent gain per trade, those numbers stack up fast. And if you're using options the right way, that same setup can turn into double-digit returns on a single move.The best part? It's all math. No guessing. No “trust me, bro.” Just data doing what data does best.Here's what you'll learn inside:✅ The real backtesting results behind OVTLYR Plan M✅ Why a steady 57 percent win rate crushes most so-called “perfect” systems✅ How ATR (Average True Range) helps you size trades with precision✅ The power of rolling options to lock in profits while staying in the game✅ How expectancy makes the difference between random luck and repeatable successIf you've ever wanted to trade like a pro without sitting at your screen all day, this is for you. You'll see how OVTLYR's data-backed plans give you a clear system to follow so you can trade smarter and stress less. Every setup, from Plan M to Plan ETF, is built around one thing: proven results.You'll also pick up how to use OVTLYR signals with both stocks and options. The goal isn't to gamble or chase every move. It's about making smart, calculated decisions that add up over time. Once you see how this works, you'll understand why so many traders trust OVTLYR to guide their strategy.We even go into rolling options like a pro, managing risk when volatility spikes, and using expectancy to forecast your long-term edge. It's the kind of insight that turns confusion into confidence and helps you finally feel in control of your trades.So if you're tired of guessing, tired of overcomplicating things, and ready to see how professionals really trade, this video is your starting point. Sit back, take notes, and let's dig into how data can transform the way you think about the market.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

Don and Tom tackle the timeless topic of diversification — why it's back in style, why it's so hard to maintain, and why most investors (and pros) still get it wrong. They walk through how market “leadership” shifts over decades, the global vs. U.S. split, and why comparing your portfolio to the S&P 500 is often a trap. Listener questions cover ETF access at T. Rowe Price and Vanguard, whether to invest or pay down debt, and how the 5% flexible withdrawal rule works in early retirement. Plus, the guys riff on Halloween candy inflation, Social Security COLA bumps, and Don's LitReading “Scary Story Season.” 0:04 Show open — Saturday radio edition and why repetition matters in financial education 1:03 The fashion of diversification — and why it's “back in style” 2:27 International and small-cap value resurgence 3:15 Why investors chase past returns instead of diversifying 4:02 Gold, inflation, and recency bias — lessons from the 1980s 5:21 U.S. vs. international allocation debate: market cap vs. 50/50 6:20 The long wait for Japan's market recovery 7:41 Practical diversification tools — AVGE, DFAW, VT 8:19 Stop comparing everything to the S&P 500 9:08 Historical proof: global portfolio vs. S&P since 1931 10:02 Caller Charlie — buying Avantis or DFA ETFs through T. Rowe Price or Vanguard 12:39 How fund custodians differ from managers 13:27 Checking portfolio exposure with Morningstar 14:42 Caller Gabe — invest or pay off debt? 16:45 When to pay off a car loan vs. mortgage 19:35 How to handle multiple mortgages and long-term plans 20:22 Social Security's 2026 COLA bump and the “good news/bad news” of $102 more a month 22:21 Inflation realities — coffee, beef, and Halloween candy 25:02 Candy talk — shrinkflation and Don's trick-or-treat haul 25:54 LitReading plug: “Scary Story Season” and Philip K. Dick's The Hanging Man 27:34 Search “Don McDonald” in Apple Podcasts — chiropractor cameo included 29:05 Listener Victor (a.k.a. George) — can $4 million last 60 years with 5% withdrawals? 31:38 How the flexible withdrawal method works in practice 33:49 Retirement purpose, Monte Carlo results, and FIRE skepticism 37:41 Kindleberger quote on bubbles and envy: “There's nothing so disturbing as to see a friend get rich.” 38:55 Kindleberger's background and Manias, Panics, and Crashes Learn more about your ad choices. Visit megaphone.fm/adchoices