Podcast appearances and mentions of Monte Carlo

In this episode, Micah Shilanski and Brian Smith discuss the challenges of income planning for retirement, emphasizing the importance of understanding life expectancy versus longevity, the impact of Monte Carlo analysis, and the role of fixed income products like annuities. They explore how to balance risk and income, the significance of effective communication with clients, and the potential downsides of annuities. The conversation also touches on cap rates and their implications, as well as leveraging annuities for long-term care planning. The episode concludes with actionable insights for financial advisors. The Longevity Factor in Retirement With Brian Smith Resources in today's episode: - Micah Shilanski: Website | LinkedIn - Brian Smith: Website | LinkedIn - Learn More about our Coaching Programs

Tom and Don break down why gold, silver, and individual stocks remain speculative distractions rather than reliable investments, using recent volatility in precious metals and Microsoft as cautionary examples. They explain how globally diversified portfolios helped investors stay steady while fear-driven assets whipsawed. The show tackles retirement allocation risks, high-cost target date funds, and how much risk retirees may actually need to take. Listener questions cover 401(a) rollovers, withdrawal strategies, rebalancing after a decade, tax treatment of tips, collective investment trusts, teacher retirement plans, and high-yield savings accounts—reinforcing the case for low costs, broad diversification, and disciplined investing. 0:04 Why gold and silver are speculation, not investments 1:19 Precious metals crash and volatility reality check 3:11 Microsoft drop and risks of single-stock investing 4:40 Fear, home bias, and global diversification 7:12 Birthday story and listener banter 8:31 Elaine's 401(a) and risky target-date fund allocation 11:24 High expense ratios vs. low-cost index options 12:47 Retirement income needs and withdrawal risk 14:04 Monte Carlo results for 60/40 portfolios 15:56 Tips income, taxes, and rebalancing questions 18:03 Standard deduction and real tax impact 23:39 Capital Group CIT vs. Vanguard index funds 25:21 Downsides of collective investment trusts 28:08 403(b)WISE and school district plan ratings 29:55 Teacher retirement plan advocacy 32:32 High-yield savings account recommendations 34:18 Rebalancing after 10 years 35:17 Asset location and tax efficiency Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we answer questions from Ben, Todd, and Tom. We discuss how managed futures differ from momentum, differentiating Monte Carlo simulations and why you need to be careful with parameterized simulations, and flexible withdrawal strategies generally and applied to the sample portfolios.LInks:QMOM and DBMF comparison and correlations:  testfol.io/analysis?s=5lCK1KCsAsxMorningstar 2025 State of Retirement Income Report:  Morningstar State_of_Retirement_Income_2025.pdf - Google DrivePortfolio Charts Annual Returns Calculator:  Annual Returns – Portfolio ChartsBreathless Unedited AI-Bot Summary:Ever wondered why a momentum stock fund and a managed futures fund can look similar on the surface yet behave like opposites when markets lurch? We dig into the real differences between equity momentum strategies like QMOM and multi-asset trend programs like DBMF, explaining how managed futures trade across stocks, bonds, commodities, and currencies with the ability to go long and short. That breadth—and the discipline to follow trends over weeks to a year—creates low correlation to traditional portfolios and turns macro chaos into potential opportunity.From there, we tackle the Monte Carlo confusion that trips up even seasoned planners. We compare historical shuffles that preserve real-world co-movements with parameterized simulations that assume normal distributions and independence—two assumptions markets love to break. You'll hear why fat tails matter, how “impossible” scenarios sneak into naïve models, and where to find usable inputs without double-counting inflation. We also share a simple framework: use multiple calculators, add historical stress tests starting in rough windows like 1968 or 2000, and look for consistent results across tools before you trust any forecast.Finally, we turn to retirement withdrawals and the habits that actually hold up. Instead of rigid CPI bumps, we walk through constant-percentage withdrawals, guardrails, and the reality that retiree spending tends to run at CPI minus 1–2 percent outside healthcare. We highlight how flexible rules can raise sustainable withdrawal rates and why resilient portfolio design—think Golden Butterfly or Golden Ratio—can outperform a classic 60/40 under severe sequences. If you're ready to upgrade your plan with better diversification, better testing, and smarter spending rules, you'll leave with practical steps you can apply today.Enjoyed the conversation? Subscribe, leave a review, and share this episode with a friend who's serious about building a portfolio that survives bad markets. What testing change will you make this week?Support the show

Drs. Ted Morton and Christine Lockowitz join Dr. Ryan Moenster to discuss all things amoxicillin, particularly in our pediatric patients. Our guests answer common questions, such as, what formulations should be used for certain infectious conditions and/or organisms and how to dose amoxicillin to maximize PK/PD optimization without inducing potential adverse events. It is a must-listen for all! This episode also qualifies for 1 hour of BCIDP credit! How to Obtain BCIDP Recertification Credit for this Episode: Visit sidp.org/BCIDP for more information. References: Bradley JS, Garonzik SM, Forrest A, Bhavnani SM. Pharmacokinetics, pharmacodynamics, and Monte Carlo simulation: selecting the best antimicrobial dose to treat an infection. Pediatr Infect Dis J. 2010 Nov;29(11):1043-6. doi: 10.1097/INF.0b013e3181f42a53. PMID: 20975453. Craig WA. Pharmacokinetic/pharmacodynamic parameters: rationale for antibacterial dosing of mice and men. Clin Infect Dis. 1998 Jan;26(1):1-10; quiz 11-2. doi: 10.1086/516284. PMID: 9455502. Hakenbeck R, Grebe T, Zähner D, Stock JB. beta-lactam resistance in Streptococcus pneumoniae: penicillin-binding proteins and non-penicillin-binding proteins. Mol Microbiol. 1999 Aug;33(4):673-8. doi: 10.1046/j.1365-2958.1999.01521.x. PMID: 10447877. Bax R. Development of a twice daily dosing regimen of amoxicillin/clavulanate. Int J Antimicrob Agents. 2007 Dec;30 Suppl 2:S118-21. doi: 10.1016/j.ijantimicag.2007.09.002. Epub 2007 Nov 5. PMID: 17983732. Bielicki JA, Stöhr W, Barratt S, Dunn D, Naufal N, Roland D, Sturgeon K, Finn A, Rodriguez-Ruiz JP, Malhotra-Kumar S, Powell C, Faust SN, Alcock AE, Hall D, Robinson G, Hawcutt DB, Lyttle MD, Gibb DM, Sharland M; PERUKI, GAPRUKI, and the CAP-IT Trial Group. Effect of Amoxicillin Dose and Treatment Duration on the Need for Antibiotic Re-treatment in Children With Community-Acquired Pneumonia: The CAP-IT Randomized Clinical Trial. JAMA. 2021 Nov 2;326(17):1713-1724. doi: 10.1001/jama.2021.17843. Erratum in: JAMA. 2021 Dec 7;326(21):2208. doi: 10.1001/jama.2021.20219. PMID: 34726708; PMCID: PMC8564579.

Mientras la Fórmula 1 no quiere darnos nada de emoción y se oculta, el mundo del motor ya ha vivido tres grandes citas competitivas que han marcado el inicio del año: el Dakar, el Rally de Montecarlo y las 24 Horas de Daytona. Este segundo episodio del Podcast Técnica Fórmula 1 nos pone al día con los últimos eventos, muy distintos, pero unidos por la intensidad, la emoción y la aparición de protagonistas inesperados. Montecarlo y su idilio con la nieve. El Rally de Montecarlo volvió a demostrar por qué es una de las pruebas más especiales del calendario. Nieve, hielo, tramos mojados y condiciones cambiantes ofrecieron un escenario clásico y exigente, en el que el talento al volante marcó la diferencia. El gran nombre propio fue Oliver Solberg, que firmó una actuación sobresaliente y se impuso con autoridad frente a rivales de primer nivel. Ni la regularidad y velocidad de Elfyn Evans ni la experiencia y agresividad de Sébastien Ogier fueron suficientes para frenar al joven piloto, que dominó el rally prácticamente de principio a fin. Toyota volvió a mostrarse como la referencia técnica del campeonato, mientras que Hyundai quedó muy lejos de las posiciones de cabeza y Ford pasó prácticamente desapercibida. Aunque solo se ha disputado una prueba, el rendimiento mostrado plantea interrogantes sobre la capacidad real de sus rivales para plantar cara a la marca japonesa a lo largo de la temporada. Además, el gran momento de forma de Solberg y Evans abre el debate sobre si a Ogier le saldrá a cuenta no disputar el campeonato completo. Daytona: 24 horas dan para mucho. Al otro lado del Atlántico, las 24 Horas de Daytona ofrecieron un espectáculo irregular pero emocionante en su desenlace. La carrera estuvo marcada por una elevada cantidad de neutralizaciones debido a la niebla, lo que restó continuidad y ritmo durante muchas horas. Aun así, las fases finales devolvieron la emoción, con luchas cerradas en prácticamente todas las categorías. Alex Palou volvió a marcharse de Daytona sin el ansiado trofeo, esta vez por una penalización que condicionó el resultado final de su coche. En GTD Pro y GTD, la variedad de marcas y equipos volvió a demostrar la excelente salud de las competiciones de resistencia (y eso nos encanta, después de unos años de bajón), con BMW, Mercedes, Porsche, Ferrari, Corvette y Aston Martin protagonizando una batalla constante hasta la bandera a cuadros. A mal tiempo, buena cara. Mientras la F1 se esconde, el resto del automovilismo ya ha empezado a ofrecer grandes historias, actuaciones memorables y preguntas que solo el paso de las carreras podrá responder. Y es que Montecarlo y Daytona han servido como un potente aperitivo de lo que promete ser una temporada apasionante. Esperemos que la FOM espabile y se una a la fiesta de los aficionados. Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

See what gold and silver highs mean and how to plan retirement spending without the 80% rule. Is gold's record run a sign you should buy? Do you really need 80% of your income in retirement? Hosts Sean Pyles and Elizabeth Ayoola discuss retirement income rules of thumb to help you understand how to estimate what you might spend after you stop working. But first, senior news writer Anna Helhoski joins Sean and Elizabeth to break down the precious-metals rally with investing writer Sam Taube. They discuss why investors treat gold and silver as “safe havens,” how a weakening U.S. dollar and tariff-driven uncertainty can move prices, and what to consider if you're deciding between physical metals and gold ETFs. Then, James Bashall, COO and advisor for NerdWallet Wealth Partners, joins Sean and Elizabeth to discuss how to plan for retirement without blindly relying on the 80% rule. They discuss where the 80% benchmark came from, how other shortcuts like the 4% rule and the “rule of $1,000” can shape your thinking, and why running multiple spending scenarios (including a “spending smile”) can help you balance travel, inflation, and health care costs over time. Wondering how to buy gold? You have several options, including bullion, gold stocks, gold funds and gold futures. Learn more about the pros and cons of each: https://www.nerdwallet.com/investing/learn/how-to-buy-gold  If you want to learn more about working with a financial advisor, then visit NerdWallet Wealth Partners at nerdwalletwealthpartners.com/smart 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: gold prices, silver prices, gold record high, investing in precious metals, gold vs silver, safe haven asset, hedge against inflation, hedge against a falling dollar, U.S. dollar decline, dollar index, portfolio diversification, gold ETF, best gold ETFs, physical gold, gold bullion, buying gold coins, storing gold safely, selling gold jewelry, central banks buying gold, geopolitical uncertainty investing, tariffs and markets, market volatility hedge, Goldman Sachs gold forecast, commodity investing, rebalancing portfolio, silver industrial demand, silver for electronics, AI chips silver demand, electric vehicle silver demand, retirement income replacement, 80% rule retirement, retirement spending, 4% rule, withdrawal rate, Monte Carlo retirement simulation, and retirement healthcare costs. 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

The Moment “Confident” Sounds Like “Certain” A few weeks ago, we found ourselves talking about how quickly AI is moving. It's not just that it can answer questions fast—it's that it can sound certain while doing it. https://www.youtube.com/live/mWd2QqPzFWA And when you're staring at a big money decision—debt, investing, taxes, retirement—certainty feels like relief. It feels like clarity. But after thousands of conversations with real families, we've learned something that never changes: people don't just need answers. They need judgment. They need wisdom. They need someone who can hear what's not being said and help them make decisions they can live with. So we're tackling the question head-on: Will AI replace financial advisors? The Moment “Confident” Sounds Like “Certain”The Promise and the Limits of an AI Financial AdvisorWill AI Replace Financial Advisors? Start With the Real Problem: Information Overload, Wisdom ShortageAI Financial Planning Tools Can Help You Find Information Fast—but Speed Isn't the Same as StewardshipAI Financial Advisor vs Human Financial Advisor: What AI Does Well (And Why That's a Gift)What AI Can and Can't Do in Financial Advice: AI Excels at Technical Speed and StructureHow to Use AI With a Financial Advisor: Let AI Raise Your Questions, Not Replace Your CounselChatGPT Financial Advice and the Biggest Risk: It Doesn't Know What's True—It Knows What's RepeatedCan You Trust AI for Financial Advice? A Simple FrameworkRobo-advisor vs Financial Advisor: Why Optimization Isn't the Same as GuidanceAI and Behavioral Finance Coaching: The Moment Emotion Enters, the Math Isn't EnoughRoth Conversions and the Problem With “Perfect Math”: You Have to Know the Future (And You Don't)AI in Wealth Management Helps With Modeling—but It Can't Carry the Weight of Your MortalityPrivacy Risks Sharing Financial Data With AI: A Practical BoundaryThe Bottom Line: AI Can Enhance Wisdom, But It Cannot Replace ItWill AI Replace Financial Advisors? The Better Question Is: Who's Leading?Use the Tool, Don't Hand Over the WheelListen to the Full Episode on “Will AI Replace Financial Advisors?”Book A Strategy CallFAQWill AI replace financial advisors?Is an AI financial advisor trustworthy?What is the difference between a robo-advisor vs financial advisor?Can you trust ChatGPT financial advice?What are the biggest privacy risks sharing financial data with AI?How do I use AI in financial planning without making mistakes?What AI can and can't do in financial advice?How to use AI with a financial advisor? The Promise and the Limits of an AI Financial Advisor If you've been asking, “Will AI replace financial advisors?” you're not alone. With ChatGPT and other tools now in everyone's pocket, it's natural to wonder if you can depend on technology to do what an advisor does—maybe even better than a human. In this blog, you'll walk away with: A clear view of what an AI financial advisor can do well today The limits of ChatGPT financial advice (and why it matters) The real difference in AI vs human financial advisor—and why it isn't mostly about math How to use AI in financial planning without outsourcing your responsibility A simple framework for letting AI serve your decisions—not lead them We're not here to hype AI or fear it. We're here to help you use it wisely—so you stay in control of your financial life. Will AI Replace Financial Advisors? Start With the Real Problem: Information Overload, Wisdom Shortage We live in a world drowning in information. You can Google anything. You can ask ChatGPT anything. You can get 1,500 opinions in five minutes—especially about money. But access to information isn't the same as knowing what to do. That's why this conversation matters: we don't just have an information problem. We have a wisdom problem. You can search “how to invest” or “how to pay off debt” and get answers that sound smart—but those answers don't actually understand your life, your goals, your emotions, your discipline level, your blind spots, your family responsibilities, or your values. People don't get stuck because they can't find an answer. They get stuck because they can't tell which answer is true, which answer is opinion, and which answer applies to their reality. This is the first reason the “AI will replace advisors” narrative falls short. AI can multiply information. But it cannot automatically create wisdom inside you. AI Financial Planning Tools Can Help You Find Information Fast—but Speed Isn't the Same as Stewardship AI in the financial world isn't brand new. The industry has used advanced modeling tools for years—Monte Carlo simulations, tax planning software, retirement projections, portfolio analytics. What's changed is how accessible and conversational it's become. Now you can ask an AI tool a question like you'd ask a person. That's powerful. But it also creates a temptation: treating the tool like a decision-maker instead of a tool. And that's where people can get harmed—not because AI is “evil,” but because it's easy to transfer your trust to something that sounds confident. AI Financial Advisor vs Human Financial Advisor: What AI Does Well (And Why That's a Gift) Let's say this plainly: AI can be a good tool. Used well, it can help you become more prepared, more organized, and more proactive. Here are practical ways AI in financial planning is already genuinely helpful. What AI Can and Can't Do in Financial Advice: AI Excels at Technical Speed and Structure AI is excellent at gathering technical information quickly and helping you manipulate scenarios. Instead of building spreadsheets, calculators, and formulas from scratch, you can get a structured outline in minutes. It can help you: Summarize concepts in plain language Compare strategies side-by-side Generate checklists and planning questions Turn notes into a presentation Create “what if” scenario prompts That can help you see possibilities faster. But seeing possibilities is not the same as choosing wisely. How to Use AI With a Financial Advisor: Let AI Raise Your Questions, Not Replace Your Counsel One of the best uses of AI is preparation. You can ask it: “What questions should I ask my advisor about retirement?” “What are common blind spots in tax planning?” “What are the tradeoffs of paying off debt versus investing?” “What does it mean to reduce drawdown?” Then you bring those questions to a real conversation with a professional who understands context. Used this way, AI can help you show up better. That's very different than AI taking over. ChatGPT Financial Advice and the Biggest Risk: It Doesn't Know What's True—It Knows What's Repeated One thing we've noticed quickly: AI tools learn from what's out there on the internet, and they don't always know what is true versus what is simply popular. Sometimes things look like “truth” because they're repeated endlessly. That matters in money decisions, because repetition isn't accuracy—and it's definitely not wisdom. So if you're asking, “Can you trust AI for financial advice?” the answer depends on how you use it. Can You Trust AI for Financial Advice? A Simple Framework Here's a practical way to think about trust: Trust AI to organize information. Trust AI to help you generate questions. Don't trust AI to carry your responsibility. Don't trust AI to know your full story—your fears, habits, values, and family dynamics. AI can be a strong assistant. It's not a wise authority. Robo-advisor vs Financial Advisor: Why Optimization Isn't the Same as Guidance Robo-advisors have been around for years. They can be helpful for automating portfolio allocation and rebalancing. But the question isn't whether robo-advisor vs financial advisor is better in theory. The question is: what do you actually need? Most people don't struggle because they lack a portfolio. They struggle because when real life hits—fear, uncertainty, loss, family conflict—they stop making consistent decisions. Money decisions are never just math decisions. They're human decisions. And real guidance isn't just optimization. It's interpretation, coaching, and sometimes even protection from your own impulse. AI and Behavioral Finance Coaching: The Moment Emotion Enters, the Math Isn't Enough A perfect example came up in our conversation. Someone left an advisor because they felt dismissed emotionally. The message they kept hearing was, “Don't worry.” But they were worried. So the plan was adjusted to minimize drawdown—the goal was reducing the size of losses during downturns. That created more peace. Then the market rose strongly, and the question became: “Why am I not up as much as the S&P 500?” That's a human moment. It's normal. It also reveals the deeper truth: we often want safety and maximum upside at the same time. An AI tool can explain that tradeoff intellectually. But the real work is helping a person reconnect their decisions to their values and expectations—and then stay consistent under stress. That's where AI vs human financial advisor becomes obvious. The issue isn't intelligence. The issue is integration. Roth Conversions and the Problem With “Perfect Math”: You Have to Know the Future (And You Don't) Roth conversions are a great example of why financial decisions can't be reduced to formulas. Whether a Roth conversion is “best” depends on factors like: Future tax rates Your income path Your withdrawal timing And how long you'll live Many financial models require assumptions about the future that cannot be known. AI can run scenarios. It cannot remove uncertainty. It also cannot decide which risks you're willing to carry, which outcomes matter most to you, and how your family should prepare if life doesn't go as modeled.

What makes something truly *intelligent?* Is a rock an agent? Could a perfect simulation of your brain actually *be* you? In this fascinating conversation, Dr. Jeff Beck takes us on a journey through the philosophical and technical foundations of agency, intelligence, and the future of AI.Jeff doesn't hold back on the big questions. He argues that from a purely mathematical perspective, there's no structural difference between an agent and a rock – both execute policies that map inputs to outputs. The real distinction lies in *sophistication* – how complex are the internal computations? Does the system engage in planning and counterfactual reasoning, or is it just a lookup table that happens to give the right answers?*Key topics explored in this conversation:**The Black Box Problem of Agency* – How can we tell if something is truly planning versus just executing a pre-computed response? Jeff explains why this question is nearly impossible to answer from the outside, and why the best we can do is ask which model gives us the simplest explanation.*Energy-Based Models Explained* – A masterclass on how EBMs differ from standard neural networks. The key insight: traditional networks only optimize weights, while energy-based models optimize *both* weights and internal states – a subtle but profound distinction that connects to Bayesian inference.*Why Your Brain Might Have Evolved from Your Nose* – One of the most surprising moments in the conversation. Jeff proposes that the complex, non-smooth nature of olfactory space may have driven the evolution of our associative cortex and planning abilities.*The JEPA Revolution* – A deep dive into Yann LeCun's Joint Embedding Prediction Architecture and why learning in latent space (rather than predicting every pixel) might be the key to more robust AI representations.*AI Safety Without Skynet Fears* – Jeff takes a refreshingly grounded stance on AI risk. He's less worried about rogue superintelligences and more concerned about humans becoming "reward function selectors" – couch potatoes who just approve or reject AI outputs. His proposed solution? Use inverse reinforcement learning to derive AI goals from observed human behavior, then make *small* perturbations rather than naive commands like "end world hunger."Whether you're interested in the philosophy of mind, the technical details of modern machine learning, or just want to understand what makes intelligence *tick,* this conversation delivers insights you won't find anywhere else.---TIMESTAMPS:00:00:00 Geometric Deep Learning & Physical Symmetries00:00:56 Defining Agency: From Rocks to Planning00:05:25 The Black Box Problem & Counterfactuals00:08:45 Simulated Agency vs. Physical Reality00:12:55 Energy-Based Models & Test-Time Training00:17:30 Bayesian Inference & Free Energy00:20:07 JEPA, Latent Space, & Non-Contrastive Learning00:27:07 Evolution of Intelligence & Modular Brains00:34:00 Scientific Discovery & Automated Experimentation00:38:04 AI Safety, Enfeeblement & The Future of Work---REFERENCES:Concept:[00:00:58] Free Energy Principle (FEP)https://en.wikipedia.org/wiki/Free_energy_principle[00:06:00] Monte Carlo Tree Searchhttps://en.wikipedia.org/wiki/Monte_Carlo_tree_searchBook:[00:09:00] The Intentional Stancehttps://mitpress.mit.edu/9780262540537/the-intentional-stance/Paper:[00:13:00] A Tutorial on Energy-Based Learning (LeCun 2006)http://yann.lecun.com/exdb/publis/pdf/lecun-06.pdf[00:15:00] Auto-Encoding Variational Bayes (VAE)https://arxiv.org/abs/1312.6114[00:20:15] JEPA (Joint Embedding Prediction Architecture)https://openreview.net/forum?id=BZ5a1r-kVsf[00:22:30] The Wake-Sleep Algorithmhttps://www.cs.toronto.edu/~hinton/absps/ws.pdf---RESCRIPT:https://app.rescript.info/public/share/DJlSbJ_Qx080q315tWaqMWn3PixCQsOcM4Kf1IW9_EoPDF:https://app.rescript.info/api/public/sessions/0efec296b9b6e905/pdf

No hemos ni terminado enero y vivimos un momento de máxima actividad en el calendario del motor. Más allá de la Fórmula 1, el Podcast Técnica Fórmula 1, dedica el segundo episodio de la semana a analizar competiciones clave como el Rally Dakar, el arranque del Mundial de Rallyes en Montecarlo y la inminente cita de las 24 Horas de Daytona, confirmando que la temporada 2026 ya está plenamente en marcha. Mucho motor. Con el Dakar recién concluido, este segundo programa repasa los resultados en todas sus categorías: motos, coches, Challenger, Classic y camiones. Los colaboradores realizan una valoración global de una edición especialmente exigente, marcada por la dureza del recorrido y la fiabilidad como factor decisivo. Toca hablar de los momentos más relevantes de la prueba y se analiza con detalle el desempeño de los pilotos españoles, poniendo en contexto sus resultados dentro de una competición cada vez más profesionalizada y competitiva. El foco se traslada después al Mundial de Rallyes, que inicia su temporada, como es tradición, en el precioso Montecarlo. Antes de entrar en la previa del rally, Iván Fernández repasa la composición de los equipos y las novedades en las alineaciones de pilotos. Ford, Hyundai y Toyota protagonizan el análisis de las nuevas monturas, tanto desde el punto de vista del chasis como de las decoraciones, mientras se identifican los principales cambios técnicos, también en las categorías inferiores. El Rally de Montecarlo vuelve a presentarse como un desafío único dentro del calendario, con un recorrido exigente, tramos nocturnos y diurnos, y condiciones cambiantes que ponen a prueba la capacidad de adaptación de pilotos y equipos. Así que toca hacer una buena previa, detallando los kilómetros totales, la estructura de las jornadas y los retos específicos del rally, incluyendo las novedades en cuanto a compuestos de neumáticos y el material disponible para afrontar una prueba donde la puesta a punto del coche resulta crítica… y donde el año pasado los neumáticos, como en tantas pruebas, fueron protagonistas. Mirando a Estados Unidos. El cierre del episodio mira hacia Estados Unidos, con la previa de las 24 Horas de Daytona 2026. Se destacan los puntos fuertes de esta edición y la participación española, con nombres propios como Álex Palou, que competirá junto a Scott Dixon en Acura. El repaso a la lista de inscritos refleja la magnitud del evento, con una nutrida parrilla en las categorías GTP, LMP2, GTD Pro y GTD, y la presencia de los principales fabricantes y pilotos del panorama internacional. Empezamos con un plato fuerte, está claro. Con este recorrido por el Dakar, el WRC y la resistencia americana, el episodio confirma que el automovilismo afronta un inicio de año intenso y diverso. Y el Podcast Técnica Fórmula 1 arranca su décima temporada ofreciendo una visión global del motor, conectando disciplinas y campeonatos con la misma intensidad y pasión del primer episodio. Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

On today's show: Trump names his "Board Of Peace" trustees and says he'll turn the Gaza Strip into Monte Carlo. Apple to release wearable "AI pin" that will listen to and record every conversation in every room. In the UK, the number of people on ADHD medication trebles between 2010 - 2023. What's really going on? Plus: Free speech dying a death in Ireland and Australia. And more. Do NOT mis this show.Support YOUR show at www.richieallen.co.uk 

Reporter, Aaron McElroy examines the possibilities of the World Rally Championship returning to Ireland.

You don't have time to sift through endless financial content. That's why I do it for you. Get my top 5 must-read articles every week in a quick, easy-to-digest email. Sign up for my newsletter. -----  Ever wondered where your retirement plan's "probability of success" really comes from? In this episode, Peter pulls back the curtain on the assumptions inside Monte Carlo analysis—and explains why Plancorp anchors its projections to long-term base rates instead of short-term forecasts.   Listen now and learn: ► The three numbers that quietly drive most Monte Carlo projections ► The four common ways advisors choose capital market assumptions—and why they differ ► Why "more sophisticated" assumptions can sometimes create more error, not less ► How to think about your plan's probability of success without getting lost in the math Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)   Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

Susan is 65, recently widowed, and has saved $2.1 million for retirement.On paper, she's more than fine… but emotionally, she doesn't feel fine.After watching her husband pass away, Susan is ready to retire five years earlier than planned so she can enjoy her “go-go years” while she still has her health.But she's terrified of one thing:

The VW GTI turns 50 this year. That's a big deal and we discuss and list our 3 favorite GTI generationsOur trauma surgeon Dr Stephan Moran discusses the safety problems that software-heavy new cars have and how those problems can be addressed Car spotting: Stephan spotted a 2002 Dale Earnhardt Sr signature Chevy Monte Carlo. We hate it and think Dale Sr would have too, had he been alive.They say that your habits at 21 will be your habits for life. When I was 25, my goal car for when I was 50 - 55 and successful was the BMW 535i. But things have changed. We discuss what each of our 25yo car goals were and what they were when we were 35, 45, and 55, and how much things have evolved over time.#carsoncallpodcast #traumasurgeonsafety #automobile #vwgti #gti

About this Episode:  How confident are you that your retirement plan will actually work? In this Monday Money Tip, Joe and Megan break down the Monte Carlo retirement score, what it measures, why financial planners rely on it, and how you can use it to stress test your retirement plan. You will learn what a good Monte Carlo score is, why sequence of returns risk matters, and the specific levers you can pull to improve your retirement readiness, including saving more, spending less, adjusting asset allocation, and retiring later if needed. This episode explains how to use probability, not guesswork, to make informed retirement decisions and build a fully funded retirement plan.

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.If you have ever wondered why some traders seem to catch massive moves while others stay stuck overanalyzing fundamentals, this video is going to click fast. We break down breakout trading using the Donchian Channel strategy and focus on the one thing that actually pays you as a trader: price moving in your favor. No fluff, no theory for theory's sake, just real trading logic that has stood the test of time.This is a watch-along style breakdown where we pause, react, and dig into what actually matters. The big idea is simple but powerful. You do not get paid for effort, research, or opinions. You only get paid when price goes up after you buy, or goes down after you sell. Everything else is just noise. That is why momentum and trend following sit at the center of this conversation.We walk through why Donchian Channels became a foundation for trend-following systems and how they help traders stay aligned with strength instead of guessing tops and bottoms. You will see how breakouts form, why new highs matter, and how mechanical rules remove emotion from decision-making. There is also a deep dive into performance stats, including win rate, average gains versus losses, and why expectancy is far more important than being right all the time.To really stress-test the idea, we run through a Monte Carlo simulation and talk about worst-case scenarios, drawdowns, and compounding over time. This part is eye-opening because it shows how a strategy can feel uncomfortable in the short term and still produce life-changing results if the math is on your side and risk is controlled.About halfway through, everything gets tied back to real-world execution and how these concepts are built into OVTLYR. Market breadth, trend confirmation, and position sizing are all covered in a way that makes sense whether you are newer to trading or have been around the markets for years.Here are a few core ideas you will take away from this video:✅ Why money follows momentum, not opinions✅ How Donchian Channels define clean breakout levels✅ Why cutting losses quickly is non-negotiable✅ How Monte Carlo analysis exposes real risk and reward✅ Why trend alignment beats prediction every timeYou will also see a concrete stock example that shows entries, exits, re-entries, and how different channel settings change your risk profile. There is an honest discussion about drawdowns, sideways markets, and why no strategy wins all the time. That honesty matters, because trading success is about consistency over hundreds of trades, not perfection on one.If you are tired of chasing hype, buying dips just because someone said so, or feeling emotional about every trade, this video will feel like a reset. It is about building a repeatable process, trusting data over feelings, and letting the market tell you what to do instead of fighting it.Watch it with an open mind, take what fits your style, and think about how these principles could sharpen your own trading plan.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

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.If you have ever felt like trading gets way more complicated than it needs to be, this session is going to hit home. This class is all about money management, risk, and why most traders struggle not because they lack setups, but because they never learn how to protect their capital.The big idea here is simple but uncomfortable. Winning trades are inevitable. Losing trades are also inevitable. The difference between traders who survive and traders who blow up is not prediction skill. It is how well risk is controlled when things go wrong. That is the entire foundation of this lesson.You will hear why managing money is really just managing risk. Once risk is out of control, the account is out of control. It does not matter how good the strategy looks, how confident you feel, or how exciting the trade sounds. Without structure, losses compound fast and emotions take over even faster.This session walks through why most traders focus on the wrong things. Amateurs obsess over upside and hate taking losses. Professionals focus on process, discipline, and position sizing. The money shows up as a byproduct of doing those things consistently, not the other way around.A major focus of this lesson is Monte Carlo simulation and why it matters in the real world. Instead of asking what the most likely outcome is, the better question is how bad can this get. If the worst case scenario still works, the plan is solid. If the worst case scenario wipes you out, the plan is broken no matter how good it looks on a chart.Along the way, you will see live examples of expectancy, win rates, loss rates, and why taking more trades actually reduces randomness over time. You will also hear why ignoring stops, doubling down, or hoping a trade comes back is one of the fastest ways to destroy an edge.Here are a few core ideas that really stand out in this class:✅ Why risk control matters more than finding perfect entries✅ How Monte Carlo simulations reveal hidden danger in trading plans✅ The difference between position sizing and portfolio sizing✅ Why consistent risk matters more than consistent share counts✅ How ATR-based sizing keeps losses predictableThe lesson also breaks down position sizing step by step using volatility instead of gut feel. Instead of guessing how much to buy, risk is calculated first and position size becomes a math problem, not an emotional decision. This is where most traders realize how random their past sizing really was.There is also an important conversation about scaling. Jumping from small risk to big risk feels exciting, but it can erase months of progress in a single trade. Scaling gradually is not about fear. It is about giving your edge time to work without blowing yourself up emotionally or financially.Throughout the session, losses are treated as part of the game, not something to avoid at all costs. The goal is not to eliminate losing trades. The goal is to make sure losses are small, controlled, and survivable so winning trades can do their job over time.This is part of OVTLYR University, where the focus is saving time, managing risk, and building trading systems that work in the real world, not just in theory.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

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.If you have ever woken up to a big market gap and thought, “Okay… now what?” this video is for you. The whole conversation is about how to handle a gap up after a major economic report without panicking, chasing price, or doing something you regret five minutes later. Instead of hot takes or hype, this walks through how a professional actually thinks about these situations using a clear, rules-based plan.The big takeaway is simple but powerful: you do not need to do something just because the market moved. A gap up can feel exciting, stressful, or both, but that emotion is exactly what gets most traders into trouble. This breakdown shows how trend structure, moving averages, and volatility filters work together to tell you whether a gap actually changes anything or not.You will see how a bullish trend is defined using the 10, 20, and 50 EMA, and why short-term pullbacks inside that trend are normal. There is a great explanation of why trends can stay intact for weeks or even months, and why trying to jump in front of them usually backfires. The focus stays on reacting to real data instead of guessing what “should” happen next.One of the strongest themes here is that trading should feel boring. Not dull in a bad way, but boring in the same way brushing your teeth is boring. You have a process, you follow it, and you move on with your day. If trading feels exciting, that is usually a sign something is off.Midway through, the video gets very practical and walks through how the current plan is structured, how backtesting supports it, and how tools like fear and greed heatmaps, ATR levels, and order blocks help remove bias. Everything ties back to having clear rules for entry, holding, and exits.Key ideas covered include:✅ How to tell if a gap up actually matters or not✅ Why holding a position is often the correct move✅ How fear and greed levels impact trade difficulty✅ What order blocks are and how they act as support and resistance✅ Why exits should be planned before you ever enterThere is also a very approachable explanation of options concepts like extrinsic value, bid-ask spreads, and why paying too much for uncertainty quietly eats away at performance. Even if you are mostly a stock trader, these concepts help sharpen risk awareness across the board.Later, the conversation zooms out to the bigger picture. Losing streaks, Monte Carlo analysis, and expectancy are discussed in a way that makes it clear why losses are not a failure, they are part of the deal. The difference between amateurs and professionals is not avoiding losses, it is knowing exactly how to survive them.If you are trying to trade with less stress, fewer impulsive decisions, and more consistency, this video lays out a mindset that actually holds up over time. It is not about prediction. It is about execution, patience, and letting the math do the heavy lifting.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

What's the best way to bulletproof a financial plan? In our methodology, we model 1,000 scenarios of things going wrong to make sure we're deeply understanding the most impactful action steps for our clients.Join us for a deep dive into how we model our plans. We'll also share some real life stories of how this planning approach has helped our clients.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian kick off the new year with the January Financial Stress Test: can your plan weather the unpredictability of 2026? With midterm elections looming, potential interest rate reversals, and market volatility ahead, they explore how to bulletproof your investments with strategies like bond duration diversification, buffered ETFs, and Monte Carlo simulations. Plus, they dive into the realities of long-term care insurance and what most investors miss. They also tackle your listener questions on Roth conversions, RMD strategies, and the best way to unwind concentrated stock positions. Finally, a lighthearted but eye-opening look at how eating out could silently devour your retirement nest egg.See omnystudio.com/listener for privacy information.

Click here to share your favorite car, car story or any automotive trivia!What happens when a 13-year-old girl wants to buy her first car but can't legally work? She starts rebuilding carburetors in her dad's garage—and accidentally builds a national brand.

What if one smart shift in your retirement plan could change your entire financial future? On this episode, Kevin Madden walks through real stories that reveal how rethinking traditional strategies can boost income, strengthen security, and simplify retirement planning. From guaranteed income options to modern tools like Monte Carlo simulations, Kevin shows how today’s retirees can build flexible, sustainable plans tailored to their lives and why personalized planning—not outdated rules of thumb—matters more than ever. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

A special recording from Andy Panko for his Retirement Planning Education Podcast: We discuss how the financial industry is evolving, the common struggles of "super savers" in retirement, and the importance of aligning financial decisions with life goals, not just spreadsheets.  We talk about the role of Monte Carlo simulations, the importance of flexibility in financial plans, and the evolving role of advisors in a changing world. It's a conversation that encourages you to find joy and flexibility in your retirement journey. Resources: Andy's podcast: Retirement Planning Education Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Quinta entrega de la serie dedicada a repasar 2025 a través de 100 canciones favoritas del año. Sin ningún orden en particular y sin pretender que sean las mejores. Tan solo canciones que se han quedado grabadas en las paredes de este Sótano.Playlist;LANGHORNS “Monte Carlo confidenziale”THE LEMON TWIGS “I’ve got a broken heart”THE LOVED ONES “Vagabond”JON BATISTE “Pinnacle”HONEYBEAR, THE BAND “I was wrong”VAN MORRISON “Down to joy”JE’TEXAS “No vacancy”DOM MARIANI “World on its head”ROBERT FORSTER “Tell it back to me”ASHLEY NAYLOR “Caribou”NEIL YOUNG and THE CHROME HEARTS “Talking to the trees”THE SAINTS “Will you still be there”MONTEFURADO “Game of mirrors”THE RIPPLES “Time to burn”ANGELA HOODOO “Fugitivo”THE EXCITEMENTS “It’s time for moving on”Escuchar audio

Lockton Re CEO Tim Gardner discusses softening markets, client value, AI's impact and navigating global volatility. Gardner spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Corneille Karekezi, group managing director and CEO, Africa Re, cited diversification into motor, imports and electric vehicles. Karekezi spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Mark Cloutier, chairman & CEO, Aspen, said climate risk and social inflation help maintain pricing discipline in reinsurance markets despite cycle pressures. Cloutier spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Liautard & the Queen ou LATQ est née en 2020 de la nouvelle association de Maxime Liautard architecte d'intérieur et designer, diplômé de l'école Penninghen, avec Soraya Djemni-Wagner autodidacte et experte dans le domaine du luxe. Ils s'étaient connus au sein du Studio KO où ils travaillaient dans les années 2012. Ils comptent aujourd'hui à leur actif et par exemple, le restaurant La Môme à Monte-Carlo, l'hôtel Maison Palmier à Abidjan, de nombreuses résidences privées. Ils livrent actuellement l'hotel Florida, d'inspiration Art Déco, dans le quartier de la Madeleine à Paris. Maxime et Soraya sont deux personnalités singulières ne cessant de trouver des projets à leur juste mesure ! Leur agence, située 89 rue du Faubourg Saint-Antoine dans le 11e arrondissement de Paris, témoigne de leur talent à mixer les styles en toute élégance ! Dans ce Com d'Archi Maxime et Soraya racontent leur histoire et celles de leurs projets tellement riches en matière. On y retrouve un attachement sentimental et pérenne aux choses, attachement qui s'exprime à un moment où, un certain nombre de nos valeurs sont mises en danger ! Entre créations et recherche de l'âme des lieux réinvestis, ce travail est à découvrir.Image teaser DR © Clément VayssièresIngénierie son : Julien Rebours____Si le podcast COM D'ARCHI vous plaît n'hésitez pas :. à vous abonner pour ne pas rater les prochains épisodes,. à nous laisser des étoiles et un commentaire, :-),. à nous suivre sur Instagram @comdarchipodcast pour retrouver de belles images, toujours choisies avec soin, de manière à enrichir votre regard sur le sujet.Bonne semaine à tous! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Sanjay Mokashi, general manager and chief underwriting officer, GIC, said closing India's protection gap requires redesigning existing insurance products. Mokashi spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

durée : 01:28:43 - Cecilia Bartoli, l'art et la passion du chant - par : Aurélie Moreau - Cecilia Bartoli, véritable incarnation du chant, prête sa voix de mezzo-soprano aux rôles baroques les plus virtuoses comme à ceux du bel canto, notamment. Elle a fondé en 2016 l'orchestre des Musiciens du Prince et dirige l'Opéra de Monte-Carlo. - réalisé par : Lionel Quantin Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Charles Mathias, group executive director and group director of underwriting, The Fidelis Partnership, said different capacity providers allows more diversification of risk. Mathias spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Ron Faber (left) and Stephen Stout (right) in Lucky Stiff. Photo by Peter Cunningham. This episode of Settling Scores dives into the delightfully offbeat world of Lucky Stiff, the cult-favorite musical that helped launch the legendary songwriting team of Lynn Ahrens and Stephen Flaherty. With its rapid-fire wit, breakneck(!) farce, and charming score, Lucky Stiff showcases the early sparks of a musical theatre partnership that would go on to create Ragtime, Once on This Island, and Anastasia. We'll attempt to outline the show's wild plot and swoon over some lovely musical moments, all while tracing how Ahrens and Flaherty's unique voice first took shape. Along the way, we unpack behind-the-scenes stories, creative risks, and why this small, zany musical still punches far above its weight. Call it a love letter to joyful absurdity. Perfect for fans who like their Broadway deep dives smart, irreverent...and perhaps a little feisty! Join us over on our Facebook and Instagram pages for more content and to share your thoughts with us! Stephen Flaherty and Lynn Ahrens circa 1988 Julie White and Stephen Stout in Lucky Stiff. Photo by Peter Cunningham. New York Times review of Lucky Stiff from 4/27/1988   John Scamardella (standing) and Steve Mook (seated). Pull-Tight Players Theatre production of Lucky Stiff, 2025. Photo credit: Three Wishes Photography Jeremy Hargis (left) and Bre Hall (right). Pull-Tight Players Theatre production of Lucky Stiff, 2025. Photo credit: Three Wishes Photography The incomparable Mary Testa.   Original playbill from Playwright's Horizon   The *interesting* movie version of Lucky Stiff.

GBH's Adam Reilly and The Bay State Banner's Ron Mitchell join for Press Play media analysis. This week, they talk about media reaction to Trump's White House address, Brian McGrory returning to the Globe and a profile of the photographer who captured Trump staff for the Susie Wiles Vanity Fair profile.  Boston Medical Center's Dr. Katherine Gergen Barnett on the CDC reversing its position on Hepatitis B vaccines for infants, cutting funding for the American Academy of Pediatrics, RFK Jr.'s move to ban gender affirming care for young people, and the so-called "Christmas Coronary effect." Atikin Rose is an up-and-coming R&B singer songwriter with a new EP due out next year. She joins for Live Music Friday alongside talent manager Rob Kelley-Morgan.Tony Williams and Peter Gwiazda celebrate 25 years of the Urban Nutcracker. Tony is the show's founder and creative visionary. Peter is a dancer with Les Ballets Trockadero de Monte Carlo.NBC10 Boston media maven Sue O'Connell talks Epstein files, Brian Walshe, and a NYTimes profile of the woman caught in that Coldplay kiss-cam last summer.

Martin Burke, chief underwriting officer, MS Amlin, said when looking at aggregations, you must be comfortable with your stance in the end. Burke spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.It was one of those market days that makes people panic. Big red candles, ugly price action, and nonstop noise about what is “supposed” to happen next. But this video is about why those days do not need to control your emotions, your decisions, or your account when you actually have a plan.This session walks through what separates reactive traders from disciplined ones. When the market is down hard, most people feel pressure to act, predict, or fix something. What you see here is a very different approach. Instead of guessing bottoms or averaging down blindly, the focus stays on trend structure, signals, expectancy, and risk control. When you know exactly what you are waiting for, the stress drops dramatically and the decision-making becomes simple.A big theme in this video is psychology. Watching price move without a framework feels chaotic. Once you understand trends, EMAs, ATR, and why exits matter just as much as entries, the market stops feeling random. You do not need to stare at charts all day. You do not need to babysit positions. You just follow the plan and let the data do the heavy lifting.There is also a deep dive into why prediction-based trading fails so many people. Doubling down, hoping, or assuming something has to bounce eventually sounds logical until you realize you never know how far a move can go. This video breaks down why waiting for confirmation puts you in profitable trends faster, with less time underwater and far less emotional damage.Midway through, the discussion shifts into real backtesting data. This is where things get interesting. Instead of “trust me” opinions, you see how expectancy, win rate, ATR behavior, and Monte Carlo testing actually work together. You also learn why some sectors are avoided completely, even if they look tempting, and how frequency and risk-adjusted returns matter more than chasing home runs.Key ideas covered in this video include:✅ Why red days are only scary when you do not have a plan✅ How trend signals remove emotion from trading decisions✅ The role of ATR in defining risk, exits, and expectations✅ Why random trade selection can still work when expectancy is positive✅ How V-shaped recoveries waste time compared to trend confirmationThe bigger takeaway is simple. Trading does not have to be stressful, dramatic, or chaotic. When your rules are clear and tested, you already know what you will do before price ever moves. That clarity is what allows traders using the OVTLYR approach to stay calm while everyone else is freaking out.If you want a calmer, more repeatable way to approach the market that is grounded in data instead of hype, this video is worth your time.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

De värsta pandemier som drabbat mänskligheten var när européerna på 1500-talet tog med sig en dödlig cocktail av sina vanligaste smittsamma sjukdomar till Amerika. Idag tror man att 90 procent av urbefolkningen strök med i sjukdomar de saknade immunitet mot. Hela kulturer gick under.Under 1700-talet började de växande nationalstaterna i Europa att utveckla metoder för att hantera pandemier – trots att den tidens läkevetenskap ofta missförstod hur smittor spreds. Samtidigt som böldpesten i stort sett försvann, uppstod nya pandemier till följd av industrialismens trånga, osanitära städer.Detta är det andra av två avsnitt av podden Historia Nu om pandemier, där programledaren Urban Lindstedt samtalar med Fredrik Charpentier Ljungqvist, professor i historia, särskilt historisk geografi, vid Stockholms universitet, om hur farsoter har påverkat samhällen genom tiderna – från medeltidens pest till spanska sjukan.När européerna anlände till Amerika på 1500-talet förde de med sig sjukdomar som smittkoppor, mässling och influensa – sjukdomar som den amerikanska ursprungsbefolkningen saknade immunitet mot. Resultatet blev en demografisk kollaps: upp till 90 procent av urbefolkningen dog inom ett sekel.Denna ”mikrobiella erövring” möjliggjorde den europeiska kolonisationen av Nord- och Sydamerika. Avfolkningen ledde till omfattande återförskogning, vilket i sin tur påverkade koldioxidnivåerna i atmosfären – ett exempel på hur pandemier kan få långtgående konsekvenser bortom människans hälsa.Det är först på 1800-talet som vetenskapen gradvis börjar förstå smittspridningens mekanismer. Kolera blev århundradets mest fruktade pandemi – men också den som ledde till avgörande förändringar i folkhälsopolitik och stadsplanering.På 1800-talet svepte koleraepidemier fram över världen. Flera pandemier startade i Asien och nådde Europa via handelsvägar. Koleran var vattenburen och slog särskilt hårt mot tätbefolkade städer med bristfällig sanitet. Under perioden 1834–73 drabbades Sverige av nio koleraepidemier. Vid den största av dessa, 1834, insjuknade mer än 25 000 personer, av vilka drygt hälften dog.Den engelske läkaren John Snow revolutionerade smittspårningen 1854 när han identifierade en förorenad vattenpump som kolerans källa i London – en insats som lade grunden för modern epidemiologi. Hans upptäckt blev en katalysator för utvecklingen av moderna avloppssystem, säkrare dricksvatten och en ny syn på urban hygien. Koleran blev med andra ord en drivkraft bakom avgörande samhällsreformer.Mellan 1918 och 1920 dödade spanska sjukan mellan 25 och 100 miljoner människor världen över – fler än första världskriget. Pandemin slog särskilt hårt mot unga vuxna, vilket bröt det klassiska U-formade dödlighetsmönstret för influensa. Trots dess enorma påverkan föll sjukdomen snabbt i glömska – kanske för att samhället redan var traumatiserat av krigets fasor.Senare forskning har visat att pandemin lämnade djupa men ofta osynliga spår. Barn till mödrar som varit sjuka under graviditeten löpte högre risk för kroniska sjukdomar senare i livet – en påminnelse om att pandemiers effekter kan vara långvariga, subtila och påverka generationer framåt.Bild: Smittkoppor under den spanska erövringen, ur bok XII i Florentinska kodexen (1540–1585). Illustration av en okänd konstnär från 1500-talet, Originalet återfinns i Biblioteca Medicea Laurenziana, Florens. Reproduktion i: Fields, Sherry (2008). Pestilence and Headcolds: Encountering Illness in Colonial Mexico. New York: Columbia University Press. Wikipedia, Public Domain.Musik: Fauré – Requiem – I. Introït et Kyrie, framförd av Orchestre national de l'Opéra de Monte-Carlo under ledning av Louis Frémaux, med Chorale Philippe Caillard och solisten Bernard Kruysen. Utgiven av Erato Records den 10 augusti 1962. Fotograf: Denis Thilliez. Ingen upphovsrätt gäller för denna ljudinspelning inom EU enligt direktiv 2006/116/EG.Klippare: Emanuel Lehtonen Hosted on Acast. See acast.com/privacy for more information.

Från romerska pestvågor till spanska sjukan har samhällen reagerat, förändrats och ibland kollapsat under trycket från smittsamma sjukdomar. Pandemier har satt djupa spår i allt från demografi och ekonomi till krig, religion, vetenskap och politik.Den mest ikoniska pandemin i europeisk historia är digerdöden, som svepte över Europa mellan 1347 och 1352. Länge antogs att upp till hälften av Europas befolkning – cirka 50 miljoner människor – dog i pesten. Men ny forskning visar att delar av Centraleuropa och Östeuropa fortfarande hade växande jordbruk efter 1350.Detta är det första av två avsnitt av podden Historia Nu om pandemier, där programledaren Urban Lindstedt samtalar med Fredrik Charpentier Ljungqvist, professor i historia, särskilt historisk geografi, vid Stockholms universitet, om hur farsoter har påverkat samhällen genom tiderna – från medeltidens pest till spanska sjukan.Pandemier tenderar att påskynda redan pågående trender – som urbanisering, migration eller maktförskjutningar – snarare än att skapa helt nya utvecklingslinjer. De fungerar också gång på gång som påminnelser om mänsklighetens sårbarhet och vikten av att bygga robusta samhällsstrukturer.Pandemiernas historia i Europa inleds med den så kallade atenska pesten. Under Peloponnesiska kriget (431–404 f.Kr.) förlorade Aten uppåt hälften av sin befolkning i en farsot som snabbt spreds i den tättbefolkade staden. Katastrofen underminerade det politiska ledarskapet och försvagade Atens ställning i kriget mot Sparta.Romarriket drabbades av två stora epidemier under kejsartiden: den antoninska pesten (165–180 e.Kr.) och den cyprianska pesten (249–262 e.Kr.). Båda tros ha orsakats av smittkoppor. Effekterna var förödande: metallproduktionen minskade, vilket har dokumenterats genom isborrkärnor från glaciärer, och ett urholkat skatteunderlag försvårade försvaret av rikets gränser. Cyprianska pesten har till och med beskrivits som början till slutet för Västrom.År 541 slog den justinianska pesten till – den första pandemin som med säkerhet kopplats till pestbakterien Yersinia pestis. DNA-analyser har i modern tid bekräftat bakterien i massgravar. Pesten orsakade omfattande avfolkning kring Medelhavet och ledde till minskad handel och återförskogning. I kombination med kraftiga vulkanutbrott under 530-talet, som orsakade global nedkylning, blev konsekvenserna förödande för samhällena i södra Europa och delar av Asien.Digerdöden (1347–1352) sägs ha utplånat upp till hälften av Europas befolkning. Men ny forskning, särskilt baserad på pollenanalyser och arkeologi, nyanserar denna bild. I en omfattande studie av 1 634 pollenprover från hela Europa har forskare visat att dödligheten varierade kraftigt regionalt. Medan västra Europa – bland annat Italien, Frankrike och Skandinavien – drabbades hårt, fortsatte befolkningen att växa i stora delar av Central- och Östeuropa.Bild: Dödens triumf (ca. 1562) av Pieter Brueghel den äldre visar en apokalyptisk scen där döden härjar obarmhärtigt över människan. Målningen ingår i Museo del Prados samling.

De Monaco, on croit tout connaître... et pourtant. Au milieu du XIXe siècle, la seigneurie devenue principauté en 1612 est amputée de la presque totalité de son territoire. Seuls et inaccessibles, l'aride Rocher et le port semblent condamnés. Pourtant, de ces écueils, Charles III, descendant des Grimaldi, va faire des atouts. Entre tradition et modernité, le petit pays se fraie un chemin, toujours avec l'appui des régimes qui, en France, se succèdent. Ce récit est aussi celui d'une série de personnages visionnaires : la famille Blanc fondatrice d'un empire, Monte-Carlo et sa Société des Bains de Mer ; Albert Ier, prince savant fondateur de l'océanographie?; Serge de Diaghilev, créateur des Ballets russes?; Raoul Gunsbourg et René Blum, frère de Léon, qui président aux destinées de l'opéra et du théâtre... De Charles Garnier à Jean Cocteau, d'Albert Santos-Dumont à Jacques-Yves Cousteau, artistes, sportifs, scientifiques contribuent à cette aura improbable et mythique. Une histoire inédite fondée sur des archives françaises et monégasques jusque-là inexploitées.Pierre Fabry est notre invité en partenariat avec le Salon du Livre d'Histoire de Versailles, pour les Interviews HistoireHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Chris's SummaryJim and I discuss secure income as we review a Yahoo Finance article for middle-class retirees. We use it to highlight longevity considerations and the differences between guaranteed income approaches and traditional safe withdrawal rate or Monte Carlo methods. We also cover where spending-segmented planning and hybrid long-term-care annuities might fit in. Jim's “Pithy” SummaryChris and I discuss an article titled “How Middle-Class Retirees Can Make Their Money Last 25 Years or Longer” to get into the parts of retirement planning that actually matter when you may be retired for far longer than the industry tends to model. The article leaves out the realities of aging, the changing ability to manage complex finances, and the specific expenses that follow you for life, which lets me lay out why the Minimum Dignity Floor needs to be treated differently from everything else rather than blended into one big withdrawal strategy that assumes stability where none exists. I talk through why I push back so hard on traditional safe withdrawal rate thinking, especially the notion that retirees should simply trim spending whenever markets dip. I know you’ve probably heard me say it before – that approach ignores the reality many retirees face by not addressing what people cannot reduce and overstating what they can. It also glosses over how income behaves differently depending on its source, why some streams ratchet upward while others swing unpredictably, and how risk pooling creates stability that a portfolio alone cannot. The gaps in the article also give room to dig into long-term care, including why certain tax-driven situations make hybrid LTC annuities funded by non-qualified contracts worth considering. And underlying all of this is the point that the goal is not to react to markets for decades on end—it is to build a structure that supports the life you want to live. That is where secure income becomes essential. Show Notes: Yahoo Finance Article The post The Importance of Secure Income for Retirement: EDU #2550 appeared first on The Retirement and IRA Show.

In this special seasonal episode, you and Tom resurrect Ha or Duh, tearing through Investopedia readers' “rules to live by” and dismantling the silliest ones with mock gravitas. Between the dad-joke arms race, a spirited defense of compounding, strong opinions on due diligence, and a surprising detour into crypto-mad zip codes, the show blends real financial guidance with holiday-season chaos. The episode also hits deeper listener questions on rebalancing, Roth vs. pre-tax strategy in high brackets, and the danger of thinking blue chips alone equal diversification. 0:04 Seasonal return of Ha or Duh and setup of Investopedia's “investing rules” 1:32 Rule 1: Never sell because of emotions — duh 2:44 Rule 2: “Only invest in what you know” — emphatic huh 3:35 Rule 3: Good investment in a bad market — phrasing unclear, lean duh 4:26 Rule 4: Never underestimate compounding — mega-duh 5:35 Rule 5: Cash and patience as “positions” — hard huh 6:25 Segment break into calls 7:49 Back to Ha or Duh lightning round 8:33 Buy low, sell high — duh (with caveats) 9:58 “Losses are tuition you won't get at uni” — pass 10:21 Hold for the long term — duh 11:09 Marathon, not sprint — duh 11:39 Is education the best investment? Nuanced disagreement 12:45 “Always do your own due diligence” — modified duh (about advisors, not stocks) 15:22 FOMO avoidance — duh 16:27 Final rule: Start now — biggest duh of all 17:41 Wrap-up and transition back to regular Q&A 18:06 Listener question: Finding the “sociopath son” episode 19:28 Setup for Friday's Q&A episode 20:18 Don's town turns into “free Disney World” during holidays 21:51 Disney hotel pricing shock and personal stories 23:42 Don's new original Christmas story: Santaverse 24:01 Story podcasts spike; Short Storyverses mention 25:28 Listener from Bothell: 90% blue chips, 10% cash — how to rebalance? 26:39 Why blue chips aren't diversified and the S&P concentration problem 28:52 Listener in high bracket asks when Roth beats pre-tax 30:26 SECURE Act 2.0 catch-up rules; Roth vs. pre-tax philosophy 32:10 Monte Carlo vs. unknowable future tax rates 33:26 Why all-Roth 401(k)s would simplify life 34:28 Advice: Likely stay pre-tax in 24% bracket 35:50 Shocking stats: Seattle among highest crypto-owning zip codes 37:24 Air Force bases dominate crypto ownership — why it's dangerous Learn more about your ad choices. Visit megaphone.fm/adchoices

More Info: https://www.jilldodd.com/ In the 1980s, Jill Dodd determined that her ticket out of an abusive home was to make it as a top model in Paris. Armed with only her desire for freedom and independence, she embarks on an epic journey that takes her to uncharted territory—the Parisian fashion industry with all its beautiful glamour and its ugly underbelly of sex, drugs, and excess. From there, Jill begins an eye-opening roller-coaster adventure that includes trips to Monte Carlo, s'xual exploitation, and falling in love with one of the richest men in the world, soon becoming one of his many wives—until she ultimately finds the courage to walk away from it all and rebuild her dreams. In The Currency of Love, she “writes earnestly and refreshingly about learning many of life's more difficult lessons the hard way” (Kirkus Reviews) with page-turning accounts of her struggles and triumphs as she paved her path through a dangerous and seductive world, before ultimately coming into her own as the founder and creator of global fashion line, ROXY. This “raw and inspiring story” (PopSugar) with a feminist fairy tale twist reveals how one woman chose to live her life without forfeiting her independence, ambition, creative expression, and free spirit, all while learning one invaluable lesson: nothing is worth the sacrifice of her integrity, inner peace, and spirit. Support My Shows Here - https://linktr.ee/projectrooq LIVE STREAM TTS DONATIONS - https://streamlabs.com/projectrooq/tip Project ROOQ Website MORE CONTENT - https://www.projectrooq.com/ My Patreon - patreon.com/projectrooq Instagram - www.instagram.com/projectrooq/ #PODCAST #YOUTUBE #DISCLOSURE #SHAUNATTWOOD #PROJECTROOQ #NEWS *****************************

Many people make more money and somehow feel more afraid. Afraid to decide. Afraid to lose. Afraid to look foolish. Afraid to miss out. https://www.youtube.com/live/00ErZ7MiuEM This isn't a fringe problem. It's everywhere.And it's solvable. Bruce and I recorded this episode to hand you a simple tool you can use to reframe fear and build the kind of financial life that runs on clarity, certainty, and stewardship. Overcoming financial fear starts hereWhat Financial Fear Really IsMake Financial Fear Work For YouScarcity vs Abundance With MoneyWhy Typical Financial Planning Fuels AnxietyTraditional Planning Builds CertaintyPut Money Back In Its PlaceHow Media and Culture Feed FearThe Practical System To Overcome Financial FearTypical Planning vs Traditional PlanningTypical PlanningTraditional PlanningOvercoming Financial Fear: From scarcity to abundance – your next stepBuild certainty, not anxiety – listen in and take your next stepBook A Strategy CallFAQ – Overcoming Financial FearWhat causes financial fear?How do I overcome financial fear fast?What is the abundance mindset with money?Is money good or evil?Why does typical retirement planning increase anxiety?How do cash flowing assets reduce financial fear?How does whole life insurance help with financial fear?What is traditional financial planning? Overcoming financial fear starts here If you've ever hesitated before a money decision, second guessed yourself after signing the paperwork, or stayed stuck because the “what ifs” grew louder than your purpose, you've met financial fear. This article will help you: Understand what financial fear really is, and why even high net worth families feel it. Swap a scarcity mindset for an abundance mindset without pretending fear disappears. See why typical planning fuels anxiety and how traditional planning builds certainty. Put money back in its place as a neutral tool and elevate stewardship. Take practical steps today to move from reaction to intentional design. If fear has been in the driver's seat, it's time to move it to the passenger side and make it serve your mission. What Financial Fear Really Is Let's start at the root. Fear is not your enemy.  It's a God-given alarm for imminent danger. As Bruce says, fear can save your life when a car barrels toward you. You don't want to pause and philosophize. You jump. The problem is when that same survival response starts running your money decisions. You either freeze and hoard, or you sprint from shiny object to shiny object because you're afraid to miss out. Different behaviors. Same scarcity. I've watched fear show up in two common ways: Fear of running outThe miser mindset. White knuckles. No generosity. No strategic investment. Just “hold on or else.” Fear of missing outThe constant upgrader. Bigger house, better boat, newer thing. Always chasing, never satisfied. Both are scarcity. Neither is abundance. Abundance isn't reckless. It's not denial. It's a settled conviction that value creation is limitless, and that you can make wise, long range decisions because you are a producer, not just a consumer. Make Financial Fear Work For You The most successful people don't lack fear.They refuse to let fear set the agenda. They put emotions under the leadership of a renewed mind. They use fear as a prompt to prepare, to do the work, to practice courage, and to move anyway. Here's a quick loop Bruce and I use: Name the fear. Say it out loud. Interrogate it. What's the real risk, the real timeline, the real magnitude? Reframe it. What productive action can this fear fuel today? Act. Small, specific steps beat ruminating every time. Review. Talk to yourself like you talk to a friend. Record wins. Build evidence. Courage is a muscle.Train it. Scarcity vs Abundance With Money I like to picture a continuum with scarcity at the bottom and abundance at the top. On both ends of the bell curve, scarcity looks different but feels the same. On one end, scarcity hoards and hides. On the other, scarcity spends to soothe and signal. Abundance sits at the top and does something else entirely. It designs a system where money can be saved, used, enjoyed, replenished, and directed toward a bigger mission. It recognizes that money follows value, and value flows from serving people well. Abundance knows this truth: Money is neutral.It's a magnifier of the soul. Put money in the hands of a wise steward and it multiplies blessing. Put money in the hands of a fool and it multiplies damage. Money did not change the heart. It revealed it. This is why character formation, family culture, and clear guidance are not side notes in finance. They are the engine. Why Typical Financial Planning Fuels Anxiety Typical planning was built to end your productivity.Work until X. Stop. Spend down the pile. Hope you don't outlive it. Because the goal is “stop,” the math has to guess a thousand variables. Guess your lifespan. Guess returns. Guess inflation. Guess taxes. Run a Monte Carlo and call it “certainty.” It's not certainty. It's a string of guesses. When your entire strategy rests on projections you can't control, you feed fear. You start managing to the simulation instead of managing to your mission. You also fragment your financial life into compartments that don't talk to each other. Save a little here, speculate a little there, and pray it nets out. No wonder so many feel anxious. Traditional Planning Builds Certainty Traditional planning doesn't ask, “When can I stop being productive?”It asks, “How do I keep producing, stewarding, and compounding value for generations?” That one shift changes everything. Traditional planning prioritizes: Cash flowing assets over pure appreciationThink businesses and investments that spin off usable cash today and tomorrow. Liquidity and control so you can seize opportunitiesDry powder matters. Optionality reduces fear. Properly designed whole life insurance as a foundational assetGuaranteed cash value, contractual certainty, and a death benefit that refills the family bucket. This is family banking and a reliable backstop that turns risk setbacks into recoverable chapters. Integrated estate design that includes guidanceA will and trust are the shell. A string family culture, Memorandum of Trust, clear roles, and love letters are the substance. Don't just transfer assets. Transfer wisdom and intent. A producer mindsetWe don't retire from purpose. We refine it. We build the family enterprise and train the next generation to steward it. Traditional planning removes guesswork where you can and embraces guarantees where they exist. That is how you replace fear with confidence. Put Money Back In Its Place Many people carry a hidden belief that money is bad. Movies preach it. Social feeds imply it. And if you've absorbed “money is evil,” you will sabotage your own success and feel guilty about every win. I love the picture Bruce learned on the football field. Football didn't build character. It revealed it. Money is the same. It shows what is already true in your heart and in your habits. When money is your god, it runs your life and ruins your relationships. When God is first and people are second and you include yourself in the command to love your neighbor as yourself, money becomes a powerful means to bless, build, and multiply good. Order brings peace. Peace calms fear. How Media and Culture Feed Fear Fear sells. Whether it's the markets, politics, or the latest doom headline, your attention is the product. If you feed fear 24 hours a day, fear will set your financial thermostat. We do something very simple in our family. We curate inputs. We stay informed without bathing in anxiety. Perspective is your most valuable asset. Guard it. The Practical System To Overcome Financial Fear Let's translate this into steps you can take this week. Audit your mindset.Write down three places fear is currently driving your decisions. Name whether it's fear of running out or fear of missing out. Clarify your long-range vision.Lift your eyes. Where do you want your family to be in 25, 50, 200 years? What values do you want embedded in your lineage? Your vision pulls you forward better than fear pushes you around. Strengthen liquidity and cash flow.Increase savings. Build or acquire cash flowing assets. Stop relying solely on appreciation and projections. Add guarantees where they belong.Evaluate properly structured whole life insurance as part of your base. Use it to store capital, access liquidity, and provide a guaranteed death benefit that refills the bucket and de-risks the plan. Integrate your estate design with guidance.Build or update your will and trust. Write your Memorandum of Trust. Clarify roles. Draft love letters to your heirs. Do not leave interpretation to chance. Build producer habits.Study. Create. Serve. Keep solving real problems. Producers attract opportunities. Opportunities expand options. Options reduce fear. Practice the self-talk you'd give a friend.Review wins. Document what worked. Speak to yourself with the same encouragement you offer others. This widens your capacity to choose faith over fear. Typical Planning vs Traditional Planning Use this quick contrast to evaluate your current path. Typical Planning End date focus Spend down a pile Reliant on projections Fragmented accounts Rate of return obsession High anxiety, low control Traditional Planning Ongoing production Cash flow focus Guarantees where possible Integrated system Value creation obsession High certainty, higher control Choose your operating system. Choose your outcomes. Overcoming Financial Fear: From scarcity to abundance – your next step

After a brief off-season, 2026 preparations are already underway for Alex de Minaur, who joined Viv and Matt on this week’s episode from his base in Monte Carlo. The Aussie No.1 enjoyed the chance to reflect on his 2025 season, during which he reached his first AO quarterfinal and won his 10th career ATP title in Washington DC – while also overcoming burnout and shifting perspective – to achieve his highest year-end ranking. Those performances saw him nominated once again for the prestigious Newcombe Medal, awarded to Australia’s most outstanding player and ambassador for the sport. ‘Demon’, as he is affectionately known, also dived into his passion for collecting vintage cars, his wedding plans, how he switches between English and Spanish, plans for his foundation, and how he’d love nothing more than a deep run at Australian Open 2026. Listen to the full episode here. AusOpen.comiHeartApple PodcastsSpotify Host handles:@Viv_Christie@MattyATSee omnystudio.com/listener for privacy information.

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.

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

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)

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

Being in the final four of a $200,000 buy-in Triton Poker tournament in Monte Carlo with over $5,000,000 for the winner is the kind of dream most poker players can only imagine. For Vladimir Korzinin and Patrik Antonius, that dream is real as the two face off in a fascinating poker hand. Antonius tries to bluff Korzinin off ace-high, but the decision does not come down to bet sizing or ICM pressure. Instead, it comes down to the month of Antonius' birthday! The question is whether that month means Antonius is bluffing or value betting, and whether or not this crazy live read actually works! When you are in the big blind and have check called a bet on the flop, there are some instances where the turn card allows you to lead out. For example, after you have check called a bet on a low connected flop and the middle card pairs on the turn, this is a good spot to bet into the aggressor. As the big blind player, this pairing turn card is much better for your range which is why leading out makes sense as you are more likely to have trips than the aggressor. Patrik Antonius ‘The Finn' or ‘FinddaGrind' is from Finland and has over $29,600,000 in live tournament poker earnings putting him in the top 50 on the all time money list. Patrik is known for being stoic at the table and near impossible to get a live read from. He is the co-owner of First Land of Poker (FLOP), which is a company aimed at revolutionizing the world of poker through innovative digital solutions, enhancing the experience for poker players, and streamlining operations for poker room operators. At the 2024 World Series of Poker (WSOP), Patrik was inducted into the prestigious Poker Hall of Fame. Vladimir Korzinin ‘Gambledore” is a 69 year old amateur poker player from Estonia. He has over $7,800,000 in live tournament poker earnings, putting him 1st on Estonia's all-time money list. Korzinin only has 4 recorded cashes, with his biggest cash of $4,350,000 coming from a victory in a $125,000 buy-in event at the Triton Poker Series Monte Carlo. This poker hand took place during the Triton Poker Series Monte Carlo at the Monte-Carlo Sporting / Salle Des Étoiles – Monaco; it had 16 poker tournaments with buy-ins ranging from $25,000 up to $200,000 in No Limit Hold'em (NLHE) and Pot Limit Omaha (PLO), and ran from November 1st – November 14th, 2024. $200,000 – 2024 Triton Poker Series Monte Carlo Event #8 – Results 1st: Patrik Antonius ‘TheFinn”, “FinddaGrind” – Finland – $5,130,0002nd: Vladimir Korzinin ‘Gambledore' – Estonia – $3,470,0003rd: Espen Jørstad ‘Hymn2ninkasi' – Norway – $2,255,0004th: Roman Hrabec ‘gogac_sniper' – Czech Republic – $1,867,0005th: Mikalai Vaskaboinikau – Belarus – $1,506,0006th: Mikita Badziakouski ‘fish2013' – Belarus – $1,188,0007th: Konstantin Maslak ‘krakukra' – Russia – $908,0008th: Xuan Tan ‘tan4321' – China – $684,0009th: Morten Klein – Norway – $510,000 Preflop:With four players remaining on the final table of a $200,000 buy in Triton Poker tournament, Vladimir Korzinin limps in from the cutoff with A6o. Once the button folds, World Series of Poker (WSOP) Main Event champion Espen Jørstad completes out of the small blind with Q6o, and Patrik Antonius checks his option from the big blind holding Q8 of diamonds. Flop – 9s 7d 5h:Jørstad is first to act and starts with a check after flopping a gutshot straight draw. Antonius also checks with a gutshot straight draw and a backdoor flush draw. Korzinin bets 300,000 in position with his own straight draw, which only Antonius calls. Turn – TsPatrik Antonius picks up a double belly buster straight draw on the ten of spades turn and decides to check for a second time. Vladimir Korzinin chooses not to double barrel with his draw, as he checks behind and the two poker players head to the river. River – 3h:Antonius is left with just queen-high after bricking his straight draw and opts to take a stab at the pot with a bet of 300,000. Will Korzinin, who has the best hand with ace-high, be able to pick off Antonius' bluff, or will Korzinin fold and allow Antonius to add to his chip lead? Stay tuned to the end of this poker video to see what crazy thing happens! Jonathan Little analyzes live poker hands from TV poker shows such as Poker After Dark, Hustler Casino Live, The Lodge Poker Club & PokerGO. He also analyzes popular poker vloggers such as Rampage Poker, Brad Owen, Jaman Burton, Ashley Sleeth, Wolfgang Poker and others! You will also find many poker hands on this channel that contain some of the biggest names in the poker world such as; Daniel Negreanu, Phil Hellmuth, Phil Ivey, Doug Polk, Garrett Adelstein, Tom ‘Durrrr' Dwan, Dan ‘Jungleman' Cates, Fedor Holz & many more! pokerstrategy #tritonpoker #highstakespoker The post WPH #589: CRAZY Live Read DESTROYS Patrik Antonius [$5,000,000 For 1st!] first appeared on Jonathan Little.

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