Podcasts about Murs

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss things to be aware of about qualified charitable distributions (QCDs) and donor-advised funds. The QCDs and donor-advised funds are great tax benefits strategies, but they make sense in your retirement planning journey in two different scenarios.Listen in to learn about QCDs, the tax benefits you can take advantage of when donating to charity organizations, and the rules of the strategy. You will also learn more about the donor-advised fund, how to take advantage of itemizing tax returns, and the rules of the strategy.In this episode, find out:Qualified Charitable Distributions – a tax savings contribution you can do out of your IRA.The QCDs tax benefits you can take advantage of when donating to charity organizations.The rules on when and how to take your QCDs, plus how QCDs can apply to your RMD when done properly.Donor Advised Funds – stacking your donations together to take advantage of itemizing tax returns.The rules of a donor-advised fund, how to fund this account, and why it's flexible.Understanding where both QCDs and donor-advised funds make sense for you.Tweetable Quotes:“The rule with the QCDs is that you've got to be seventy and a half in order to do it; with donor-advised funds, you can do it no matter what your age is.”- Radon Stancil “Once you make a contribution into a donor-advised fund, it's irrevocable.”- Murs Tariq Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss Medicare planning for those coming up on Medicare and those already in Medicare. This is a checklist of three main topics to help you understand what you should be thinking about when it comes to Medicare.Listen in to learn how to evaluate your prescription drug needs and choose the right Medicare plan that caters to those needs. You will also learn about Medicare supplements and Medicare Advantage plans, plus how to join our Free Webinar to learn more about Medicare planning from experts.In this episode, find out:Prescription drug plan – understand your prescription needs, if the plan covers your needs and the cadence of your refills.Comparing different part D plans that would cover your specific prescription drugs at the lowest cost.Evaluate your pharmacy network – ensure it's cost-effective and convenient for you.Cost analysis – Look at your prescription drug cost to determine the type of plan to pick.The importance of taking the time to review your plan annually and make changes if needed.Dental, vision, and hearing – Think about the dental, vision, and hearing coverages you need.Integrative plans – Do an educated analysis between Medicare Advantage plans and Medicare gap policies.Doing an individual needs assessment – understand your needs and get an individualized cover.Medicare supplements and Medicare Advantage plans – an outline of what we'll cover on our free webinar.Tweetable Quotes:“There's one part of Medicare that covers hospitals, one part that covers doctor's visits, and then there's a part D which is all about prescriptions.”- Radon Stancil “Just because your neighbor, parents, or a family has a certain type of plan doesn't mean that that's going to apply to you; Medicare and healthcare in general is very individualized for a reason.”- Murs TariqRegister For Our Free Medicare Webinar:info@pomwealth.net with the subject line Medicare WebinarResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Sixième épisode de notre série « Les nouvelles routes de la soie, 10 ans après ». La conquête chinoise de l'Europe passe par Budapest. La Hongrie a été le premier pays européen à signer, en 2015, un accord de coopération avec Pékin dans le cadre de « l'Initiative de la ceinture et de la route ». Parmi les projets phares de ce partenariat : la ligne ferroviaire entre Budapest et Belgrade en construction, prévue pour faire circuler des trains remplis de marchandises chinoises depuis le port grec du Pirée, jusqu'à l'Europe centrale.   De son jardin, situé à quelques mètres des rails, István observe le ballet des engins de chantier. Cet ancien employé des chemins de fer hongrois suit attentivement l'avancée des travaux de rénovation de la ligne Budapest-Belgrade autour de la petite gare de Kelebia, fermée depuis près d'un an, pour travaux. Dans la grande plaine méridionale, cette localité de quelque 2 400 habitants, est la dernière avant la frontière serbe et la ville de Subotica.Un camion benne déverse du gravier autour des traverses en béton qui portent les rails. La ligne à voie unique, en service depuis 150 ans, doit être modernisée et transformée en ligne à double voie. Mais devant la maison d'István, il pourrait y avoir jusqu'à six voies. « Ici, le train s'arrêtera devant les locaux de la gare de la police aux frontières, un peu plus loin, il y aura la douane et la brigade financière. Selon le projet, des portiques seront installés : les trains passeront à vitesse réduite pour y être scannés, comme cela se fait déjà pour les camions aux postes-frontière », explique le maire de Kelebia, József Maczkó.Comme István, plusieurs dizaines de personnes vivent tout près de la voie de chemin de fer. Murs anti-bruit, décorations végétales : les initiateurs du projet vont s'efforcer de minimiser les nuisances, assure l'édile : « Lorsque les voyageurs arriveront par le train, ils ne verront pas une zone industrielle lugubre ou une clôture, mais une zone plus verte, luxuriante. Ça a l'air de rien comme ça, mais c'est important et ça n'est pas donné : on parle de centaines de millions de forints [soit plus d'un million d'euros, Ndlr]. » Le coût du chantier et son financement, c'est justement ce qui préoccupe une partie des résidents de Kelebia. « J'ai très peur que ce chantier coûte beaucoup plus cher que ce qu'ils ont convenu. Ici, on voit clairement que c'est une affaire d'oligarques. On donne du travail aux bons copains, sans savoir s'ils s'y connaissent et s'ils feront du bon boulot », s'emporte Gyulia, un habitant, dans un café du village. « On ne sait rien de ces travaux. Ils nous présentent ce projet en disant que ce sera merveilleux ! Mais on ne sait rien des coulisses », renchérit la propriétaire de l'établissement.La construction de la section hongroise de la ligne ferroviaire Budapest-Belgrade, soit quelque 150 km sur un total de 350, a été confiée à un consortium rassemblant des groupes chinois et la holding Opus Global. Cette dernière appartient à l'homme le plus riche de Hongrie, l'oligarque Lőrinc Mészáros, ami d'enfance du Premier ministre Viktor Orban. Le coût du projet estimé à près de deux milliards d'euros, est financé à 85% par un prêt chinois. « On parle d'un crédit chinois mais c'est surtout un investissement hongrois. Nous aurions volontiers emprunté de l'argent à l'Europe de l'Ouest, mais ni Siemens, ni Alstom n'étaient intéressés par ce projet et le résultat, c'est que les Chinois ont saisi cette opportunité », soutient le député du Fidesz, Gábor Bányai, fervent défenseur du projet.Kelebia a tout intérêt à ce que les trains de marchandises passent par ici, souligne pour sa part le maire József Maczkó, se réjouissant à l'avance de l'activité commerciale qui pourrait en découler : « On va accueillir ici l'un des centres de fret de la compagnie nationale de chemins de fer. On percevra aussi la taxe professionnelle. Plus le transport de marchandises sera important, plus il y aura de produits à contrôler et plus la municipalité en tirera profit. » Contrat secretLe Parlement hongrois a voté en faveur de la mise au secret pour dix ans des détails du contrat de financement par la Chine de la ligne ferroviaire Budapest-Belgrade. Le flou a aussi été maintenu sur l'étude de faisabilité. Le gouvernement défend cette absence de transparence dans cet investissement d'infrastructure le plus important jamais réalisé en Hongrie, par la volonté de ne pas « mettre en danger la politique étrangère hongroise ». « Certaines questions sont si importantes pour un État qu'il n'est pas possible de les rendre publiques. Et dans ce projet, ce sont précisément les effets à long terme qui sont les plus importants », souligne Ágoston Sámuel Mráz, directeur de Nézőpont Intézet, un groupe de réflexion pro-gouvernemental.Pour autant, ce prêt dont les détails restent entourés de mystère, comporte des risques. « La Hongrie a déjà contracté des emprunts, par exemple pour la centrale nucléaire construite par les Russes. Ce projet risque donc d'alourdir considérablement la dette de la Hongrie », note Agnes Szunomar, professeure d'économie spécialiste de la Chine à l'université Corvinus de Budapest. Autre question qui se pose : le projet est-il viable financièrement ? Pour ses opposants, ses avantages apparaissent bien maigres, au vu de l'argent dépensé. Des économistes ont fait le calcul : il faudrait attendre 2 400 ans avant que cette ligne de chemin de fer ne devienne rentable pour la Hongrie.Bien qu'étant un projet privé qui ne dépend pas directement du grand plan de Xi Jinping pour faciliter les exportations chinoises via de nouvelles infrastructures, le plus grand des terminaux intermodaux terrestres d'Europe, inauguré en octobre 2022 à Fényeslitke, à proximité immédiate de la frontière entre la Hongrie et l'Ukraine, se targue d'être « la porte occidentale des "nouvelles routes de la soie” », selon  l'expression de Janos Talosi, PDG de l'entreprise East-West Gate, interrogé par Le Monde.Étant donné sa situation géographique centrale en Europe, la Hongrie de Viktor Orban souhaite jouer un rôle de plus en plus important dans « l'Initiative de la ceinture et de la route ». En réalité, Budapest cultive ses relations avec Pékin depuis le début des années 2000. La Hongrie a été le premier pays de l'UE à adhérer au projet des « nouvelles routes de la soie ». « Le gouvernement socialiste qui a précédé celui de Viktor Orban, était, lui aussi, ouvert et amical envers la Chine », rappelle Agnes Szunomar.L'ancien Premier ministre Péter Medgyessy a facilité la première vague d'investissements économiques chinois dans le pays. Aujourd'hui, la Hongrie accueille de nombreuses institutions culturelles chinoises, un cercle de réflexion, cinq instituts Confucius, une école bilingue, un établissement de médecine traditionnelle chinoise et de nombreuses organisations culturelles. C'est sous le gouvernement de l'actuel Premier ministre que la Hongrie « est devenue l'un des pays de la région les plus vulnérables à l'influence chinoise », note l'Institut Carnegie dans un rapport. « Il semblerait qu'Orban considère le gouvernement chinois - qui donne la priorité aux principes de souveraineté de l'État et de non-intervention dans les affaires intérieures de ses partenaires diplomatiques - comme une alternative à l'Occident libéral, où ses homologues se sont montrés très critiques à l'égard du recul démocratique de la Hongrie. »Si au début du siècle, « l'objectif principal était de stimuler les relations économiques [sous le gouvernement Orban], on est probablement passé d'une logique économique à une logique plus politique dans les relations », selon la professeure d'économie spécialiste de la Chine à l'université Corvinus.Université Fudan à Budapest ?La construction d'un campus de la prestigieuse université Fudan de Shanghai à Budapest participe de cette logique. L'établissement devrait ouvrir en 2024 et accueillir 6 000 étudiants et 500 enseignants. Mais sur la friche industrielle du IXe arrondissement de la capitale hongroise, rien ne bouge autour de l'immeuble rouge brique à l'abandon, qui doit constituer le bâtiment principal de Fudan. Le projet, qui a rencontré une vive opposition, a été suspendu.La maire de l'arrondissement, Krisztina Baranyi, aurait préféré faire construire à la place une cité universitaire pour y accueillir les étudiants des universités budapestoises. Mais cela ne sera pas possible tant que le projet Fudan n'aura pas été officiellement enterré : « Il a été suspendu avant les législatives d'avril 2022. Mais la fondation montée pour superviser cette université est toujours là, ils ne l'ont pas fait disparaitre. Elle continue de recevoir des milliards d'argent public. Cette fondation est une coquille vide, on ne sait pas vraiment ce qu'ils y font », raconte l'édile, qui a pris part à plusieurs manifestations contre le projet.Les opposants pointent, entre autres, les modes de financement troubles. Le gouvernement a décidé de fournir gratuitement un terrain de 26 hectares, estimé à 2,2 millions d'euros, à l'université Fudan. Selon le média d'investigation Direkt36, l'opération serait presque entièrement financée par un prêt d'1,3 milliard d'euros accordé par la Chine à la Hongrie et il serait principalement construit par des entreprises chinoises. Krisztina Baranyi redoute aussi que ce projet ne se transforme en outil d'influence voire de surveillance pour Pékin. « Nous savons pertinemment comment fonctionnent certaines organisations chinoises, telles que les instituts Confucius ou d'autres instituts d'éducation », dit la maire du IXe arrondissement de Budapest, redoutant que cet établissement chinois ne devienne « un cheval de Troie sur le territoire de l'Union européenne ». Certains universitaires hongrois craignent, en outre que le projet Fudan ne dilue le budget de l'État consacré à l'enseignement supérieur et ne contribue à étouffer la liberté académique.Pour s'opposer au projet et marquer clairement son opposition à la Chine et au régime communiste au pouvoir à Pékin, la mairie de Budapest a renommé quatre rues entourant le site du futur campus : « voie des martyrs ouïghours », « avenue de Hong Kong libre » , « avenue du Dalaï-lama » et « rue Xie Shiguang », du nom d'un ex-évêque catholique chinois, arrêté plusieurs fois de son vivant pour s'être opposé au contrôle de la religion par les autorités. Ce geste, critiqué par Pékin, pourrait être l'une des raisons pour lesquelles l'université Fudan a suspendu son projet, selon le politologue Agoston Samuel Mraz : « j'ai le sentiment que les partenaires chinois, considèrent qu'il n'est plus très intéressant pour eux de venir s'installer à Budapest parce qu'ils ne sont pas à l'aise dans cette situation où la ville ne soutient pas le projet. Ça n'est plus une question économique, c'est devenu une question politique ». L'affaire n'est pas enterrée pour autant, tant les relations avec les Chinois sont importantes pour l'équipe Orban, estime, pour sa part Krisztián Takács, conseiller municipal du IXe arrondissement et membre du parti centriste Momentum. « Ce gouvernement a chassé de Budapest l'Université d'Europe centrale, qui était l'une des meilleures universités de Hongrie et il en fait venir une autre de Chine. Pourquoi expulser une université européenne, qui est là depuis longtemps, et en faire venir une autre de Chine ? », s'interroge l'élu.Le gouvernement de Viktor Orban déroule également le tapis rouge aux entreprises chinoises et sud-coréennes de batteries électriques pour automobiles. Mais cette stratégie se heurte à des résistances locales.Eva Kozma, mère de famille, milite activement au sein de « l'Association des mamans de Mikepércs », contre l'installation d'une gigantesque usine de batteries, à l'orée du village paisible et verdoyant, où elle a déménagé il y a une bonne quinzaine d'années, soucieuse d'offrir un cadre de vie plus sain à ses enfants. Le fabricant chinois CATL a choisi ce site, à deux heures et demie de route de Budapest, près de Debrecen, la deuxième ville du pays, à quelques kilomètres d'une usine en construction de BMW. Un autre fabricant chinois de batteries au lithium, Eve Energy, a annoncé en juin qu'il s'apprêtait à investir 1,4 milliard de dollars dans la construction d'une usine dans la région.Redoutant que l'installation d'une usine de batteries ne s'accompagne de pollution sonore, de l'air et des eaux, les associations locales se mobilisent. « On a épluché toutes les autorisations et toutes les données que l'entreprise a bien voulu nous fournir. Le représentant de l'usine nous a dit des choses qui sonnaient bien. Mais ils ne construisent pas un atelier de chocolat ! », s'emporte Eva Kozma. Révolte des riverainsLes opposants au projet craignent particulièrement que l'usine ne menace l'approvisionnement en eau de la ville. Avec des besoins à hauteur de 3 000 à 6 000 mètres cubes par jour, la demande en eau de l'usine sera supérieure à celle de toute la ville de Debrecen. À Budapest, le représentant hongrois du géant chinois se veut rassurant : « Nous envisageons la possibilité d'utiliser les eaux grises, c'est-à-dire les eaux usées traitées, à la place de l'eau potable ou d'autres eaux dites techniques. Nous sommes ouverts à l'utilisation de ce type d'eau pour couvrir plus de 70 % de nos besoins », affirme Balázs Szilágyi, directeur des affaires publiques de CATL Hongrie.Des substances toxiques trouvées dans des puits de la ville de Göd, qui accueille une usine de batterie Samsung, a donné de nouveaux arguments aux militants de Mikepercs. « Ces cas ne sont pas avérés et nous n'avons aucune preuve de l'existence d'un quelconque incident sur d'autres sites, balaye Balázs Szilágyi, le représentant du fabricant chinois. Dans le cas de l'usine CATL, il ne sera pas possible de déverser de tels produits dans les eaux souterraines, tout simplement parce qu'il y aura un système d'isolation. Les produits ne pourront tout simplement pas y pénétrer. Nous aurons aussi 12 puits de surveillance des eaux souterraines : il y aura donc un contrôle continu et il sera facile de prouver qu'il n'y a pas de pollution. » Pas de quoi rassurer Zoltan Timar, le maire de Mikepercz, lui aussi, opposé à la construction de l'usine chinoise. Dans le potager communal qui fournit la cantine municipale en fruits et légumes biologiques, il envisage de créer un jardin témoin. « Nous ferons des prélèvements réguliers pour les faire analyser dans des laboratoires agréés. Si on trouve quoi que ce soit, on se tournera immédiatement vers les autorités, d'autant que le maire de Debrecen a déclaré qu'en cas de constatation d'une contamination, il pourrait faire fermer l'usine. »Autre inquiétude du maire de Mikepercz : l'arrivée sans doute massive de travailleurs étrangers. Après la crise économique de 2008, la région a connu un exode massif vers l'ouest de l'Europe et affronte aujourd'hui une importante pénurie de main-d'œuvre. « Notre localité paisible et familiale n'y est pas préparée. Je ne veux pas que des foyers de travailleurs s'installent ici », martèle Zoltan Timar, inquiet de la transformation d'un pavillon de sa commune en foyer, où des travailleurs chinois du chantier de l'usine de batterie, s'entassent à 6 ou 8 par chambre. « Je n'ose pas imaginer les risques sanitaires qui peuvent exister dans ces logements. Mais malheureusement, on est impuissant », regrette le maire.Balázs Szilágyi répond aussi aux craintes concernant l'emploi de travailleurs étrangers : le recrutement se fera, à terme, au niveau local, assure le représentant de CATL. « Nous n'embauchons pas en Chine, soutient-il. Nous ne faisons que transférer temporairement quelques personnes de là-bas, parce qu'elles ont les connaissances nécessaires pour lancer une usine et que nous avons besoin d'elles au début. »Bien que membre du Fidesz, le parti du Premier ministre Viktor Orban, Zoltan Timar s'oppose à un projet qui s'inscrit dans la stratégie d'ouverture de la Hongrie vers la Chine. Ce qui risque de lui valoir sa carrière politique. Il a d'ailleurs déjà fait les frais d'une campagne de dénigrement, destinée à le discréditer auprès de ses administrés hostiles à l'usine. Conscient de commettre un « suicide politique », il ne compte pas abandonner ce combat, qu'il sait pourtant « voué à l'échec ».

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the difference between an enrolled agent (EA) and a certified public accountant (CPA) in retirement planning. The CPA and EA deal with tax at a certain level but differ in their education, scope of work, geographical limitations, and ethical standards.Listen in to learn how we utilize an EA to do tax strategy beyond just tax filing as part of retirement planning. You will also learn why we consider the current financial situation, retirement plan, tax deductions, tax loss harvesting, changes in tax law, timing, and family life changes in a client's formal tax strategy meeting.In this episode, find out:The key educational and certification differences between an EA and a CPA.Scope of work – the wide range of duties of a CPA as opposed to an EA's taxation-only focus.Understanding the continuing education both a CPA and EA have to do to maintain their status.Geographical limitations – a CPA is state-specific, while an EA is federally licensed.The specific ethical standards both a CPA and an EA must adhere to.A formal tax strategy – looking at your current financial situation, retirement plan, tax deductions, tax loss harvesting, changes in tax law, timing, and family life changes.Tweetable Quotes:“It's powerful to understand the intricacies of doing good tax planning ahead of time, not just tax filing.”- Radon Stancil “A CPA is going to be required and held to a certain standard how much continuing education they have to do; an EA is required to complete 72 hours of continuing education to maintain their status.”- Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

En France, les églises reçoivent parfois des noms différents, sans qu'on en comprenne toujours la signification. C'est notamment le cas : ...Des cathédrales Ce sont souvent des églises imposantes, mais pas forcément. Ce qui explique la suprématie de ces églises sur les autres, c'est qu'il s'agit de celle où siège l'évêque. Rappelons que ce prélat est à la tête du diocèse. Dans le chœur de l'église, l'évêque s'assoit dans une chaise haute, la cathèdre, où il est le seul à pouvoir prendre place. C'est cette chaise qui a donné son nom à l'église. La cathédrale est souvent une église imposante, mais ce n'est pas nécessairement la plus grande du diocèse. ...des collégiales Ces églises tirent leur nom de l'habitude qu'avaient les chanoines de se réunir en un collège, qui porte aussi le nom de chapitre. On trouvait ces chanoines dans les cathédrales, mais la collégiale, où ne siège pas l'évêque, est vraiment leur église. Chacun d'entre eux a en effet son siège dans le chœur de l'église. Les chanoines peuvent être des clercs séculiers, le plus souvent des prêtres, ou des clercs réguliers qui, comme les moines, vivent en commun, selon une règle. Les chanoines étaient les conseillers de l'évêque et administraient le diocèse durant les vacances du siège épiscopal. Mais ils ont également des fonctions liturgiques. ...Des basiliques Ce qui distingue les basiliques des cathédrales, c'est, si l'on peut dire, leur caractère honorifique. Elles reçoivent en effet cette qualité de la part du pape parce qu'elles abritent de précieuses reliques, le tombeau d'un saint ou qu'elles sont un lieu de pèlerinage célèbre. C'est ainsi que l'église du Saint-Sépulcre, à Jérusalem, a reçu le titre de basilique parce qu'elle s'élève sur le lieu supposé de la crucifixion du Christ. De même, l'église Saint-Paul-hors-les-Murs, qui fait partie des quatre basiliques majeures de Rome, abriterait le tombeau de l'apôtre Paul. Certaines cathédrales sont des basiliques, comme la basilique Saint-Denis, ou la basilique Sainte-Cécile, à Albi. D'autres cathédrales n'ont pas droit à ce titre. Enfin, de simples églises peuvent être également des basiliques. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the elements of their integrated wealth management experience approach. An integrated wealth management experience offers a similar approach to a family office but for multiple people. A family office is a scenario where you have enough assets that you need a whole team to help you manage those assets.Listen in to learn more about the elements of an integrated wealth management experience: a retirement financial plan, specific-to-the-client investment process, and tax planning. You will also learn how we're involved in every step of the wealth management process, in-house or with a partner.In this episode, find out:A family office – having enough assets you need a whole team to help manage those assets.How we created an integrated wealth management experience that looks like a family office.The three elements of our in-house and partnered integrated wealth management experience.The importance of estate planning as part of the integrated wealth management experience.How we work with an expert to simplify and plan the social security side of things.How we analyze a client's situation and help plan for health insurance ourselves or with partners.How we make the financial plan and wealth management process easier for the client by being involved.Tweetable Quotes:“The reason why estate planning is so important as part of the integrated wealth management experience is because if we don't have things in place, it can make it very difficult for whoever we leave behind.”- Radon Stancil “Social security can be simple and complex at the same time, and that's why we have a social security consultant on retainer with us that we tap into for her knowledge.”- Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

durée : 00:09:28 - L'invité de 7h50 - par : Léa Salamé - Samia Essabaa, professeure d'anglais dans un lycée professionnel de Noisy-le-Sec, est l'invitée de Sonia Devillers.

Would you invite the Series 7 X Factor contestant, Wagner, to your birthday party? Here it is, episode number 407 of The Chris Moyles Show on Radio X Podcast, hosted by everyone's second favourite Ginger, Toby Tarrant. Number 1 is Ron Weasley, of course. This week, boxer Ricky Hatton called in ahead of the release of his new documentary ‘Hatton', and chatted to Toby about training Chris Tarrant, and being the hairiest baby his mum had ever seen. Comedian and Tottenham Hotspur fan Rhys James also came by the studio to play our new game, Murs or Spurs. While Producer Vin was here for the start of the week, he spent Friday in Lisbon *possibly* attending a communist festival, so James and Pippa stepped in to keep Toby on the straight and narrow. In amongst playing rounds of the game-which-yet-has-no-name-but- we-have-called-sticky-or-twisty, and being stumped by GCSE quizzes, we also had:Dominic Byrne dresses like Justin BieberToby has a barbecue disasterThe return of Dom's Hole Enjoy!The Chris Moyles Show on Radio XWeekdays 6:30-10am

Dans cet épisode du format Hors Les Murs du podcast Passion Médiévistes, je vous propose de découvrir une abbaye en ruines, peut être pas la plus connue, mais qu'il faut absolument découvrir : l'abbaye de La Sauve-Majeure. Située à l'est de Bordeaux dans la région de l'Entre-Deux-Mers, vous allez dans cet épisode en apprendre plus sur son architecture et son histoire médiévale (mais pas que) avec David Souny. Plusieurs fois par an, cet historien, archéologue médiéviste et guide conférencier propose des visites guidées déguisé en chevalier du XIIème siècle, un certain Enguerrand. Il fait aussi partie du bureau d'études et de recherches scientifiques Histoires de Pierres et propose de la médiation et des visites guides dans le Bordelais. Merci à David Souny et l'équipe de l'abbaye de La Sauve-Majeure pour l'accueil ! ▪ Infos sur le podcast Créé et produit par Fanny Cohen Moreau depuis 2017. ➡ Soutenir le podcast > https://passionmedievistes.fr/soutenir/ ➡ Instagram > https://instagram.com/passionmedievistes/ ➡ Facebook > https://facebook.com/PassionMedievistes ➡ Twitter > https://twitter.com/PMedievistes ➡ Plus d'info sur cet épisode > https://passionmedievistes.fr/hlm-9-abbaye-sauve-majeure Préparation, enregistrement, montage et mixage : Fanny Cohen Moreau Montage et mixage du générique : Moustaclem Et si vous avez des idées d'endroits qui pourraient être les sujets des prochains épisodes de ce format envoyez moi un mail à passionmedievistes@gmail.com

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss five financial planning things to do annually. It is preferable to do these things in or closer to the last quarter of the year, which allows you time to correct whatever needs correcting.Listen in to learn about things to consider when doing tax strategy and planning before the end of the year to enable changes. You will also learn the importance of having a Medicare and healthcare planning, year-end investment review, estate planning update, and reviewing your RMDs.In this episode, find out:Tax planning – things to consider when doing tax strategy and planning before the end of the year.Required Minimum Distributions – understand what RMDs are and make sure it's taken care of.Medicare and healthcare planning – review your options and benefits and make changes if needed.Year-end investment review – look at how your investments are set to be aware of any risks and potential changes.Estate planning update – to ensure everything is done properly and update any changes.Tweetable Quotes:“It's a good exercise always to be looking at your investment portfolio; it's set up to keep you aware of what's going on and whether there are changes that need to be made.”- Murs Tariq“Keep in mind that an estate planning update is a good thing to go through and see if everything is done properly and then do an update.”- Radon Stancil Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Take yourself back to August 2018.A Star is Born had just premiered in Venice. Ikea opened its first store in India. Donald Trump's lawyer Rudy Giuliani said “truth isn't truth”. And Pete Doherty took just 19 minutes and 30 seconds to eat an 8,000 calorie ‘Mega Breakfast' in a cafe in Margate. Naturally then, on the 5th anniversary of this momentous occasion as Toby Tarrant sat in to bring you The Chris Moyles Show on Radio X Podcast, we challenged him to eat said breakfast live on air for your enjoyment. Apologies to Misphonia sufferers in advance. To prepare for the challenge, Toby chatted to Professional Competitive Eater Leah Shutkever, Dalby Cafe owner Mark, and our very own health and safety expert Richard. But did Toby finish? Click play to find out! Spoiler alert, we did need to enlist the help of hypnotist Paul McKenna to aid Toby's recovery… As if that wasn't enough, Toby's very own dad Chris Tarrant called in to clear his name (and lay down the law) with ‘big boy' Tyson Fury who reckons they had a row in Gleneagles; and we also had:Producer Vin resigns over a missed custard joke.The brand new Spurs or Murs game.The worst U2 and Indian food puns you have ever heard.Enjoy!The Chris Moyles Show on Radio XWeekdays 6:30-10am

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Jessica Iverson about long-term care options to consider as part of the retirement plan. Jessica is a long-term care expert in long-term care planning and wealth management.Listen in to learn how long-term insurance has evolved from standalone to asset-based long-term care insurance policies and the benefits of these changes. You will also learn about the right age to start planning for long-term care and the average cost of different long-term options.In this episode, find out:How long-term insurance has evolved from standalone to asset-based long-term care insurance policies.The right age to start planning for long-term care plus the benefits of an asset-based life insurance policy.The average cost of long-term care for assisted living, private room nursing home, and home healthcare.The different types of asset-based long-term care and how they work.The difference between asset-based life insurance and life insurance policy within chronic illness riders.The underwriting process for both long-term care focused products and life insurance policies.Understanding how qualified assets are structured to fund the idea of long-term care.Tweetable Quotes:“Asset-based long-term care is long-term care focused insurance that's built on an asset which can either be a life insurance policy or an annuity.”- Jessica Iverson“It is really the morbidity that the long-term care focused products are looking for in clients.”- Jessica IversonResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

As I am sure you know Hip Hop mythical birthday was August 11th 2023 and we celebrated in grand style. San Jose Jazzfest is San Jose's premier music happening and in commmeration of Hip Hop's 50th B-Day the good folks at SJZ curated a HIP HOP 50 stage featuring breakdancing, popping/locking, turf dancing, and a headline performance by MURS! The south bay media darlings otherwise known as the Dad Bod Rap Pod were tapped to interview the Living Legend MURS in advance of his set. The LA rapper was sharp as a tack and legit hilarious as he talked about retirement, why the government should be run like indie rap, and what Hip Hop means to him. Your humble hosts were outside for real podcasting from huge stage in the middle of the street on a beautiful San Jose evening. Hope your Hip Hop birthday weekend was sufficiently lit! If you like what you hear please like, rate, review, and subscribe on your platform of choice. If you really down with the team please subscribe to our Patreon (patreon.com/dadbodrappod) Big ups to Stony Island Audio massive! Theme song was produced by the homie DJ Cutso

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss fourteen common practices to help you protect yourself against cyber security threats. The purpose of this isn't to scare you but to empower you to be on the internet safely.Listen in to learn the importance of having strong and complex passwords for your home and office networks and avoid using one password for multiple sites. You will also learn the importance of being mindful when opening emails, using public Wi-Fi, sending sensitive data, and more to avoid cyber-attacks.In this episode, find out:Use unique and strong passwords and avoid using one password for multiple sites.Enable two-factor authentication – this adds a layer of security that's strong.Keep software and devices updated to have the freshest security measures in place.Beware of phishing attacks – look at every email with a mindset of caution.Secure your home network by setting up stronger passwords and different encryptions.Be mindful of public Wi-Fi that doesn't require a password to log in to avoid hacking.Back up important data regularly for easier retrieval if data is lost.Educate yourself – read, listen, and watch to stay alert on ways to protect yourself against threats.Secure social media accounts – adjust privacy settings and be careful of those watching you.Encrypt sensitive data – use secure ways or avoid sending sensitive data via email.Secure mobile devices in case they were to get into the wrong hands. Limit access to personal information – be careful what you share unless you know who you're sharing it with.Use secure browsing practices – beware of fake website phishing for data.Regularly review account activity – don't go for six months without looking at your account activity.Tweetable Quotes:“The more diversified you could be in your passwords, the more protected you will be.”- Murs Tariq“You need to be very careful before you open an attachment or click on a link; look at every email with a mindset of caution.”- Radon Stancil Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the 2023 Medicare Part B and D IRMMA surcharges. They explain the modified adjusted gross income and the 2023 surcharges if you earn more than $97k single or $194k married filing jointly.Listen in to learn about the income-dropping circumstances the IRS considers when exempting anyone from the Medicare IRMMA surcharges. You will also learn you should be aware of your numbers when implementing any type of strategy.In this episode, find out:The modified adjusted gross income – the baseline that allows you not to have Medicare surcharges.Income-dropping circumstances the IRS considers when exempting anyone from the Medicare IRMMA surcharges.Always ask if you qualify for a Medicare IRMMA surcharges exception and file form SSA44.As an EXAMPLE:The surcharges for 2023 if you earn more than $97k single or $194k married filing jointly.The unfortunate scenarios where the SSA44 doesn't work.Why you should be aware of your numbers when implementing any type of strategy.Tweetable Quotes:“The IRS does recognize that there are some nuances and special circumstances “life-changing events” that significantly reduce your income.”- Murs Tariq“If you did have something that occurred and you did a large Roth conversion that put you in a higher bracket for Medicare Premium, it's one year, so don't think you've put yourself in this position for the rest of your life.”- Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

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In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Andrew Opdyke about a 2023 mid-year economic update and the future. Andrew is a Certified Financial Advisor and Economist at First Trust Advisor.Listen in to learn the expected and unexpected turn of events in the economy today and why inflation might not allow for rate cuts this year. You will also learn about the things in manufacturing investment and geopolitics that are taking place today and how they'll change the American and global markets.In this episode, find out:The expected and unexpected turn of events in the economy for the year's first half.Why the inflation stickiness might not allow for rate cuts for the remainder of the year.Understanding where the rest of the world is standing in terms of inflation and rates.The possibility of a recession or prolonged inflation due to a slowdown in demand and spending capacity.The importance of broadening out the market to see a sustainable market that can last years.The geopolitical shift happening in the world right now and how it will impact things.Second half of the year concerns – market pullback due to AI, commercial real estate, geo-political issues, and quantitative tightening.Second half of the year potentials – manufacturing investment that will unlock incredible things in the future.The direction the market needs to move to increase earnings on overpriced things like AI.Tweetable Quotes:“Geo-politically the world could look very different in five to ten years.”- Andrew Opdyke“Something that we should be observing as we progress through the second half of 2023, there are signs that growth could and should flow as we move towards December.”- Andrew Opdyke“There are incredible things taking place today that are building for what could be a very strong foundation as we emerge from the feds' job being done.”- Andrew OpdykeGet in Touch with Andrew:LinkedIn: https://www.linkedin.com/in/andrewopdyke/Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Vous êtes peut être déjà allé vous promener dans une des nombreuses fêtes médiévales de France, et vous avez peut être déjà rencontré ces drôles de personnes qui font de la reconstitution médiévale, habillés comme à l'époque et qui donnent l'illusion d'avoir fait un voyage dans le temps. Et bien dans cet épisode je vous propose de passer 24h, enfin presque, avec une de ces troupes de reconstitution, la Confrérie du Cerbère. Je les ai rencontré lors des fêtes médiévales de Provins, une des plus grandes fêtes médiévales de France, début juin 2023. Une fête médiévale est comme un grand festival où le public est invité à se replonger dans le Moyen Âge avec des spectacles, des animations, des boutiques, et dans la ville en elle même et ses rues médiévales, inscrite au Patrimoine Mondial de l'UNESCO depuis 2001. Mais dans cet épisode, nous n'allons pas directement parlons des fêtes médiévales, mais surtout de la reconstitution historique, sous plein d'aspects. Nous y parlons du combat, de la vie quotidienne, la cuisine, les vêtements, et d'autres choses encore, mais aussi toute la réflexion derrière cette volonté de reconstituer la vie au Moyen Âge. Je remercie bien sûr énormément toute la Confrérie du Cerbère pour leur accueil très chaleureux, vraiment je n'aurais pas pu rêver mieux pour cet épisode. Si vous les croisez lors d'une fête médiévale n'hésitez pas à les saluer de ma part. Et merci aux auditeurs et auditrices qui m'ont accompagné une partie du samedi après midi et qui ont pris des photos quand j'avais les mains prises par le micro. ▪ Infos sur le podcast Créé et produit par Fanny Cohen Moreau depuis 2017. ➡ Soutenir le podcast > https://passionmedievistes.fr/soutenir/ ➡ Instagram > https://instagram.com/passionmedievistes/ ➡ Facebook > https://facebook.com/PassionMedievistes ➡ Twitter > twitter.com/PMedievistes ➡ Plus d'info sur cet épisode > https://passionmedievistes.fr/hlm-8-reconstitution Préparation, enregistrement, montage et mixage : Fanny Cohen Moreau Montage et mixage du générique : Moustaclem Et si vous avez des idées d'endroits qui pourraient être les sujets des prochains épisodes de ce format envoyez moi un mail à passionmedievistes@gmail.com

Clara Hédouin aime faire sortir le théâtre de ses murs confinés. Après l'adaptation des « Trois Mousquetaires » en dehors des salles de théâtre, elle poursuit son exploration de la mise en scène à l'air libre avec « Que ma joie demeure » de Jean Giono. Invitée : Clara Hédouin, comédienne et metteuse en scène. « Que ma joie demeure » à l'espace naturel de la Barbentane, du 17 au 24 juillet 2023.

Clara Hédouin aime faire sortir le théâtre de ses murs confinés. Après l'adaptation des « Trois Mousquetaires » en dehors des salles de théâtre, elle poursuit son exploration de la mise en scène à l'air libre avec « Que ma joie demeure » de Jean Giono. Invitée : Clara Hédouin, comédienne et metteuse en scène. « Que ma joie demeure » à l'espace naturel de la Barbentane, du 17 au 24 juillet 2023.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Jon Ostenson about the benefits of starting a franchise as part of your retirement plan. Jon is a Certified Franchise Consultant, owner/investor, author, and international speaker specializing in non-food franchising. He discusses the misunderstandings and lack of knowledge he found around franchise opportunities outside of the fast-food industry.Listen in to learn why franchising is a proven profitability pathway compared to starting a business, plus the financials around franchising cost and revenue. You will also learn how to run a franchise successfully, even with a corporate background and zero business experience.In this episode, find out:Jon shares his background and how he gained interest in franchising outside of fast food.The money-making franchise opportunities that exist outside of the fast food industry.Why franchising is a proven profitability pathway compared to starting a business.Non-food franchising – businesses where lots of franchise interest lies.How to run a franchise successfully even with a corporate background and zero business experience.Jon explains the franchising process and how he matches clients with the best-fitting franchise.Understanding the financials around franchising costs and the revenue margins. Think about franchising as a giving-back opportunity where you create jobs and mentor others.Tweetable Quotes:“In the market, there's a lot of misunderstandings and lack of knowledge around the franchise opportunities that exist, especially in industries people are sometimes interested in outside of fast food.”- Jon Ostenson“Franchise business has been proven in other markets, so you're able to step into and as long as you execute and follow that playbook, you know there's a path to profitability.”- Jon OstensonGet in Touch with Jon:LinkedIn: https://www.linkedin.com/in/jonostenson/Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the similarities and differences between annuities and CDs and the best one for retirement planning. In as much as CDs and fixed index annuities are similar, CDs are best suited for short-term investments, while annuities are best suited for long-term investments.Listen in to learn about interest rate risk or reinvestment risk associated with CDs and how it affects your investment in the long term. You will also learn about an annuity's higher rate of return potential due to its many index options.In this episode, find out:Understanding interest rate risk or reinvestment risk when it comes to CDs.Why it makes sense to have a short-term investment in a CD instead of a long-term investment.The similarities and differences between CDs and fixed index annuities.The higher rate of return potential of an annuity due to its many index options.How a fixed index annuity works as a compliment to a portfolio full of equities.Tweetable Quotes:“CDs are driven off of these interest rates that are higher, and so are the annuities.”- Radon Stancil “We believe that a fixed index annuity works very well as a compliment to a portfolio full of equities to offset the risk of the market and bring predictability into the overall plan.”- Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

« Un milliard d'euros contre des herses et des murs anti-migrants », c'est le titre d'Aujourd'hui au Faso à propos de l'accord conclu hier à Tunis entre le président tunisien Kaïs Saïed et les représentants de l'Union européenne. La Tunisie est à court de liquidités et croule sous la dette, rappelle Le Monde Afrique, alors évidemment l'accord pour un « partenariat stratégique complet » conclu avec l'Union européenne tombe à point nommé. Les 27 débloquent une aide budgétaire directe, promettent investissements, éducation, transition énergétique, mais le cœur de l'accord c'est bien la lutte contre l'immigration clandestine.« La Tunisie, point de départ de milliers de migrants, est à certaines de ses frontières une passoire vers l'Eldorado de Schengen », écrit Aujourd'hui au Faso. 100 millions d'euros seront donc directement consacrés à stopper ces candidats au départ « sur terre et en mer », pour arrêter « ces rafiots remplis de migrants que des passeurs […] mènent à une mort certaine » et pour reconduire ces migrants vers leurs pays de départ.Kaïs Saïed et les « hordes de migrants »« Les Tunisiens ont donné à ces immigrés tout ce qui pouvait être offert avec une générosité illimitée. » C'est Le Monde Afrique qui cite les propos du président Kaïs Saïed, hier, devant ses partenaires européens à Tunis. Mais chacun se souvient aussi de ces témoignages recueillis par les ONG tunisiennes. Des femmes et des enfants abandonnés en plein désert sans eau, ni nourriture ou abri.Au Sénégal, Le Soleil raconte : ces migrants ont été secourus dimanche par des gardes-frontières libyens à la frontière avec la Tunisie, dans une zone désertique inhabitée, près d'Al Assah, sans eau, sans nourriture, visiblement épuisés et tentant de s'abriter sous des arbustes décharnés par des températures dépassant les 40 degrés.Le chef de l'État tunisien dénonçait il y a quelques mois ces « hordes de migrants subsahariens venus changer la composition démographique de la Tunisie ». Une sorte de grand remplacement donc, et c'est Aujourd'hui au Faso qui fait référence à la théorie mise en avant en France par le candidat Éric Zemmour pendant la campagne présidentielle l'an dernier. Le site burkinabè conclut avec un constat et une question : « Europe et Tunisie, tous les signataires de cet accord se réjouissent. Mais peut-on vraiment arrêter des gens qui n'ont rien à perdre ? »Session extraordinaire de l'Assemblée nationale sénégalaiseÀ sept mois de la présidentielle, les députés sont appelés à voter pour un projet de loi qui restaure les droits civiques de Khalifa Sall et Karim Wade, tous deux condamnés puis graciés par Macky Sall. Dans la foulée du dialogue national, il s'agit d'ouvrir la voie à leurs candidatures au scrutin de février. Et pourtant, Walfnet titre sur « le dilemme des députés de Taxawu et du PDS », les partis des deux hommes politiques. Car le projet de loi modifie aussi l'article 87 de la Constitution et offre la possibilité au président de dissoudre l'Assemblée nationale « à tout moment ».« Un droit de mort sur l'Assemblée », ce sont les mots d'un député PDS cité par Walfnet. Du côté de Yewwi Askan Wi, on dénonce aussi cette possibilité de dissolution et on prête à Macky Sall la volonté de se porter candidat à la présidence de l'Assemblée nationale en 2024 et de coupler les deux élections législative et présidentielle. Pour Maguette Diop, enseignant à l'université Cheikh Anta Diop cité par le site Sénégo, ce serait un précédent dangereux. « Imaginons qu'on élise une Assemblée qui n'est pas favorable au président, il peut se lever un bon jour, dissoudre l'Assemblée et organiser une nouvelle élection pour obtenir la majorité. »Mais on n'en est pas là, et on attendra d'abord évidemment le vote de l'Assemblée sénégalaise. Quant à Macky Sall, qui a renoncé à un 3e mandat de président pour 2024, c'est un de ses ministres, Mansour Faye, qui le dit à Sénégo : « Nous comptons sur lui et nous le ferons revenir en 2029 pour le réélire ».

TMD CONNECTS ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/cooloutwithtmd?igshid=YmMyMTA2M2Y=⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CHECK OUT ALL ZIZ's MUSIC - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://zizmusicyall.bandcamp.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ziz Merch - ⁠⁠⁠⁠⁠⁠⁠⁠http://corprewcrafts.com/shop/ols/products/4dadjsradiocom-tshirt-by-ziz⁠⁠⁠⁠⁠⁠⁠⁠ Ziz Connects ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/c/Zizyall⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.4dadjsradio.com ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/4dadjs_radio/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/ziz_yall/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/Ziz134⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ DONATE TO THE SHOW ON CASH APP - $Letschopitupwziz ****You have a small or large business and would like to sponsor the show, contact us through this email- tapinradiowziz@gmail.com**** The Quon - Symptoms feat. ABDULLAH & Holy Ghost Cav Johnson - Summer Shandy 1773 & Joe Tyse - Bucktown featuring Nejma Nefertiti Leedz Edutainment - No Surprise feat. Murs, Blueprint, Sareem Poems & The Arcitype MC Roughneck Jihad & DJ Awkward - Dawn Breakers Paradox - The Thirst Junclassic - Dead Rapper Twitter Page Rakim & Talib Kweli - Getting Up Anthem Pt. 1 Skyblew & Scottie Royal - Sapphire Rubies Awol One & Mike Nardone - Smile Of A Bruise Cash Money & Marvelous - Ugly People Be Quiet Funky DL - So… Substance Abuse feat. Aceyalone - Bridges (Resist remix) The Nonce - From The Ground Up Oddities - One Day feat. KATT Insight - Daily Routine Gift Of Gab - Moonshine GRWN FOLKS - The Goose Is Loose feat. Ozay Moore, Sareem Poems, DSTL & DJ Flip Flop Crown City Rockers - Mission 2 (Headnodic remix) Rove - Freak The Form feat. Moka Only Trust One - Bad Marriage feat Roughneck Jihad Paranorml - Shapes Of Jazz feat. Tableek Ugly Duckling - Pass It On Rascalz - Solitaire A Tribe Called Quest - Keep It Rollin' Mic Sessionz - Peanut Butter Fudge John Smith feat. Mcenroe - No Room For Sublety Smif 'N Wessun - Stand Strong San Francisco Street Music - Higher Source Moka Only - Need To Do Ghetto Concept - E-Z On The Motion Raashan Ahmad - City Feel Proud feat. Chali 2na (Headnodic Remix) Kero One - Musical Journey J. Rawls - A Tribute To Bobby --- Send in a voice message: https://podcasters.spotify.com/pod/show/4dadjsradio/message

durée : 00:13:15 - Le monde d'Elodie - par : Elodie SUIGO - L'auteur, compositeur et chanteur, Florent Pagny est l'invité exceptionnel du Monde d'Elodie toute cette semaine. L'occasion de revenir sur les moments et les chansons qui ont marqués sa carrière. Il vient de publier une autobiographie : "Pagny par Florent" aux Éditions Fayard et il est actuellement en tournée.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss ten advantages to a Health Savings Account (HSA) and why you need to know them. A Health Savings Account is a valuable medical and long-term retirement planning tool with more than just tax benefits.Listen in to learn how to let your HSA contributions grow and invest the money over time for future use as an asset. You will also learn the different ways you can control when and how you want to spend your money on different qualified medical expenses.In this episode, find out:HAS's tax advantages – contributions are tax deductible and can be done at your tax filing.Triple tax savings – understanding three tax benefits you get from HSA.Lower healthcare cost – the advantage of a high deductible plan with an HSA.Affordable and long-term savings – how your HSA contributions can accumulate and grow for future use.Investment opportunities – how some HSA accounts allow investment in the money markets.A retirement savings plan with the ability to grow a bucket for future medical expenses.Flexibility and control – ways you can control when and how you want to spend your money on different qualified medical expenses.Pretax contributions to payroll deductions – this makes savings easier and smooth.There's no use it or lose it rule – HSA is similar to IRA, where you don't lose money if you don't use it.Retirement savings vehicle – let your HSA bucket grow and invest over time to use it as an asset.Control over your healthcare decisions – you get to make choices on what and how you spend on medical expenses.Tweetable Quotes:“If you're someone who doesn't go to the doctor often or is relatively healthy, a high deductible plan with an HSA could make a lot of sense because you lower your premiums and cost of actual medical insurance.” - Murs Tariq“There's a wide range of what you can use your HSA money for when it comes to medical expenses.”- Radon Stancil Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Rencontre avec Marine Cerceau, co-coordinatrice du festival Ciné Jardins et de son édition 2023.So Sweet Planet est partenaire de cette très belle édition !Ciné-Jardins construit un dialogue avec les habitant·e·s des quartiers populaires sur la question de la transition écologique et solidaire. Ces deux festivals de cinéma en plein air, itinérants et gratuits, favorisent la concitadinité (sentiment d'appartenir à une même ville et de partager un espace citoyen commun) et l'écologie dans les quartiers populaires du Nord-Est parisien. Le festival propose des rencontres entre le cinéma, les habitant·e·s et leur environnement, avec des soirées conviviales en trois temps : 1. Visite guidée du jardin ou du quartier 2. Buffet participatif préparé par les partenaires associatifs ou les habitant·e·s 3. Film, éventuellement suivi d'une conversation avec le public Programmation Ciné-Jardins 2023 :Mercredi 17/08/2023, Jardins d'Eole (Paris 18e)Don't Look Up! (Adam McKay, 2021)Jeudi 18/08/2023, Jardin Villemin (Paris 10e)Nausicaä de la vallée du vent (Hayao Miyazaki, 1984)Vendredi 19/08/2023, Amphithéâtre du Parc de Belleville (Paris 20e)Animal (Cyril Dion, 2021), en présence de Vipulan Puvaneswaran, protagoniste du filmSamedi 20/08/2023, Parc de la Butte du Chapeau Rouge (Paris 19e)Tous au Larzac (Christian Rouaud, 2011)Vendredi 25/08/2023, Cité-jardin (Stains)Le Peuple loup (Tom Moore et Ross Stewart, 2021)Samedi 26/08/2023, Parc Josette et Maurice Audin (Bagnolet)Vivant (Yann Arthus-Bertrand, 2023)Vendredi 01/09/2023, Jardin des Lyanes (Paris 20e)I am Greta (Nathan Grossman, 2020)Samedi 02/09/2023, Couleurs et senteurs / jardin Luc Hoffmann (Paris 19e)Lynx (Laurent Geslin, 2021)Vendredi 08/09/2023, Comm'un Jardin / jardins Rosa Luxemburg (Paris 18e)Prendre racine : la vision de Wangari Maathai (Alan Dater & Lisa Merton, 2008)Samedi 09/09/2023, prairie des Murs à pêches (Montreuil)Plogoff, des pierres contres des fusils (Nicole Le Garrec, 1980)(programmation sous réserve de modification, toutes les infos actualisée sur http://cine-jardins.fr)So Sweet Planet : un site et un podcast indépendants !

In this Episode of the Secure Your Retirement Podcast, Murs discusses how to approach a retirement withdrawal strategy when you have enough to retire early. He explains the importance of having a financial professional to help you with the withdrawal strategy to avoid the stress of the deaccumulation phase.Listen in to learn the importance of starting a withdrawal strategy in the first few years of retirement to avoid a sequence of return risks. You will also learn about all the things you should be thinking about if you want to retire early or at any age to keep your life fun and exciting in retirement.In this episode, find out:The stress that comes with the deaccumulation phase after the accumulation phase all our lives.The four percent rule, what it says about retirement planning, and why we don't agree with it in 2023.The importance of speaking with a financial advisor to help you with the withdrawal strategy and all its pieces.The sequence of return risk and the importance of starting a withdrawal strategy in the first few years of retirement.Consider strategies to help you tap into your 401k if you're retiring early.Think through how much you need and want to keep your life fun and exciting in retirement.Consider any income, health insurance, and where to withdraw from to make your withdrawal strategy successful.The simplistic view of how we approach the bucket system and a withdrawal strategy.Tweetable Quote:“The four percent rule says if you withdraw four percent of your assets on an annual basis, then you should be able to maintain your assets, and you should have a higher probability of success for retirement planning.” - Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

À Barcelone, on ne compte plus les coachs francophones, tandis que les programmes de mentoring se développent dans divers secteurs. Mais est-ce réellement bénéfique ? Ces accompagnements en valent-ils la peine en termes d'investissement en temps et souvent en argent ? Nos invitées Emilie Onfray et Charlotte Mahdavy ont participé cette année au programme de mentoring du Club des Entrepreneuses.  Elles nous livrent leur expérience et expliquent à quel point ce soutien a transformé leur organisation, leur approche commerciale et même leur vision de l'entrepreneuriat. Le podcast Tous les Chemins mènent à Barcelone donnent la parole aux entrepreneurs francophones de Barcelone. Cet épisode est soutenu par La Peña Business Club.  Montage et mixage : Les Belles Fréquences. Illustration : Anne-Claire Lamy. Retrouvez Emilie Onfray sur son compte Instagram et Facebook , Charlotte Madhavy sur Instagam et Linkedin. Ecoutez l'épisode du podcast sur le parcours de Charlotte et l'événement qui a changé sa vie sur Equinox ou sur votre plateforme préférée. Les inspirations de Charlotte : le podcast Où est le Beau et la série documentaire Sur les Murs. La recommandation d'Emilie : Laurelbang. Et mes recommandations persos : la newsletter dominicale de Julie et Julia du site Idonthkink.fr, avec le plein de conseils d'organisation et mindset pour freelances, et le podcast Travail (en cours) qui aborde toutes les thématiques liées au monde du travail moderne.  

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the different retirement things to consider if your spouse passes away. They explain how to approach cash flow, estate settlement, insurance, tax, and investment and assets issues.Listen in to learn the importance of knowing how much you're spending, where that money comes from, and what changes will happen after a spouse's death. You will also learn the importance of getting an attorney to help you through the probate process if your deceased spouse didn't have a will executor.In this episode, find out:Cashflow – Consider where the money is coming from and whether any changes will occur.The importance of knowing how much you're spending, where that money is coming from, and what changes will happen after a spouse's death.Estate settlement issues – The question to ask yourself and the correct process to go through with an attorney.Insurance issues – Check their life insurance, work-related benefits, and other types of insurance.Tax issues – Things to consider with the home, joint properties, income taxes, and dependent children.Investment and assets issues – Consider their money accounts, transferability, and other assets.Other things to consider – Driver's license, email accounts, and social media accounts to avoid identity theft.Tweetable Quotes:“Knowing how much you're spending, where that money is coming from, and what changes are going to happen due to the death of a spouse is going to help you start thinking through all the different issues.”- Murs Tariq“You want to reach out to an attorney to help out with a probate issue, especially if there's a lot of assets that will go through probate.”- Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

DJ Jazzywhut!! CONNECTS  https://www.instagram.com/dj_jazzywhut/ DONATE TO DJ JAZZYWHUT PAY PAL @jazford72@gmail.com ZIZ's MUSIC - https://zizmusicyall.bandcamp.com/ 4DADJS RADIO MERCH - ⁠⁠⁠http://corprewcrafts.com/shop/ols/products/4dadjsradiocom-tshirt-by-ziz?fbclid=PAAaY9PP0JJADF_69usysWK05ts0EI0Xk-vNaTxYOypn01EEVcifhBu51K-_s⁠⁠⁠⁠ Ziz Connects https://youtube.com/c/Zizyall ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.4dadjsradio.com ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://instagram.com/4dadjs_radio/ https://www.instagram.com/ziz_yall/ https://linktr.ee/Ziz134 DONATE TO THE SHOW ON CASH APP - $Letschopitupwziz ****You have a small or large business and would like to sponsor the show, contact us through this email- tapinradiowziz@gmail.com**** Playlists- Spectacular Diagnostics x General BackPain x DJ Jazzywhut! - The Eaze Up Show Theme Saint Francis MH x Clayhead - Hughie Mr. Brady & Budamunk Ft. LMNO - Cope Tony Tone Ft. Elijah Bank$y - Fading Memories Jerré & Southside TeeJay - Brothers In Arms Verbz, Nelson Dialect & Mr Slipz - We Can Do That Cee Gee Incorporated Ft. Pseudo Intellects, Cav Johnson & The League - Downtown Red Aluminum - Last Burner Jabee & Havoc Ft. Murs & YaH-Ra - Key Of Life Jamil Honesty Ft. Theo & Josiah The Gift - Reflections Lord Juco & Finn Ft. Ty Da Dale - Stockholm Syndrome 2 Eleven & T.F Ft. Rome Streetz - Pill Form Spoda x VStheBest215 - Different Lane Maze Overlay Ft. Brainorchestra & Lord Juco - Gold Ru$h Vincent The Owl & Br00tal Productions Ft. Smokeintheye & Micah Write - Dobermans Solomon Childs & Darkim Be Allah - Famous Child Sankofa - Squirm Verdinyo & H4z4rdous - El Nicoya Kheyzine Ft. Ché Uno & DJ Chino 420 - Iron Palm Mike Titan x Noam Chopski x Crotona P - In The Trench M-Dot Ft. Willie The Kid, Vast Aire & Revalation (EMS) - Round Table (Prod. Gajos) (Cuts. Lp2) Dillon & Diamond D - Overtime Squeegie O - Bob Ross ADST Music Ft. Let The Dirt Say Amen, Sean Born & Damo Hicks - Summers Eden Theravada & Evidence - Help Your Neighbor Rim x J. Beers Ft. Passport Rav - Pale Ale Boldy James & ChanHays -Flashback Che Noir Ft. Ja'king The Divine MF DOOM Mask (Prod. Lamar Johnson) Raz Fresco Ft. Daniel Son K.O! Crotona P Ft. Mr Ripley - MEN (Prod. Sinamatik) The Architect Ft. J. Scienide - Channel Rawk - Impervious 2 Pain Killz x Kiza G. Beats - The War Within Teller Bank$ - Sharon The Deli (Moka Only & Baptiste Hayden) - Open Concept Dot-Com Intelligence - Identity Preed One Ft. Copywrite, Ruste Juxx & Tone Spliff - Wage War Binary Star Ft. Decompoze - Indy 500 J Scienide & Napoleon Da Legend & DJ Jon Doe - Luxurious Apartheid M Doc Diego & MANZU BEATZ Ft. Cut Supreme - The Elements ASJP, Smokeintheeye & Patz - Chess At The Park Ayoo Bigz x Fazeonerock - Murder On My Mind XP The Marxman - Tabernacle Master K. Burns x Mark Dark - Brooklyn Phooey Mr Phormula Ft. Akil The MC - Global Reactor Statik Selektah Ft. Posdnous - Round Trip (For Dave) --- Send in a voice message: https://podcasters.spotify.com/pod/show/4dadjsradio/message

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss long-term care, how it works, and your options. If you want to know and understand what long-term care may cost you in the future, you must first understand the actual cost of long-term care.Listen in to learn about assisted living services for long-term care that involve more than a nursing home. You will also learn about long-term care insurance methods/plans, how they work, plus the pros and cons of each.In this episode, find out:The importance of knowing and understanding the cost of long-term care and what it may cost you.Understanding why long-term care itself is more than a nursing home.The assisted living services that you might require for long-term care and their cost.How the self-insuring method works, plus the pros and cons of it.How Medicare benefits long-term care even though it doesn't provide long-term care insurance.Understanding how Medicaid provides for long-term care, plus its pros and cons.How Traditional long-term care insurance works, plus the pros and cons of the plan.Asset-based long-term care insurance – the beauty of life insurance combined with long-term care insurance.How long-term care and chronic illness riders are added to life insurance, plus their pros and cons.How asset-based long-term care through an annuity works, the benefits, and why it's a good option.How an asset doubler for your income works and who it's a good option for.Tweetable Quotes:“The thing about coming to terms and understanding long-term care and what it may cost in your plan is thinking about the actual cost of long-term care.”- Murs Tariq“Medicare does not provide what is called long-term care insurance or custodian care, but it does have some benefits there.”- Radon Stancil“An asset-based long-term care policy through an annuity is a great option.”- Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

durée : 00:59:17 - LSD, la série documentaire - par : Perrine Kervran, Alain Lewkowicz - Comment trouver ses repères et mener une existence normale dans une géographie et quotidien aléatoires et arbitraires ? Comme si tout pouvait basculer d'un instant à l'autre sous l'action des colons ? Pour les Palestiniens, c'est la quadrature du cercle.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how Rule 100 applies to retirement planning risk management. The conversation around risk is extremely important for you to have an investment structure you're comfortable with.Listen in to learn why investment risk is subjective and should be looked at as an individual. You will also hear us perform an exercise to help you understand our numerically driven system that measures risk comfort.In this episode, find out:Understanding why risk is an individual affair, plus why rule 100 may or may not work.The numerically driven system we use to measure your comfortability with risk.We go through a thought-provoking exercise to help you understand what risk looks like in numbers.How we develop an investment plan that will achieve growth without an uncomfortable risk. The importance of understanding the risk potential rather than words like moderately conservative.Tweetable Quotes:“We want you to understand rule 100 and how it's applied in retirement planning.”- Murs Tariq“Risk of how much we take in investments is really subjective; it's one of those things we have to look at as an individual.”- Radon Stancil Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss managing investment risk in volatile markets using the active management strategy. An active management strategy is not superior to the buy-and-hold investment strategy, but it is a great way to reduce risk in volatile markets.Listen in to learn how we use data/numbers to identify and align with the best asset classes to be invested in. You will also learn why an active asset management strategy allows you to make a decent rate of return, not lose a bunch of money, and have peace of mind in your retirement.In this episode, find out:Understanding actively managing – very low to no risk on your investment.Good risk management – using data to identify and align with the best asset classes to be invested in.The portfolio adjustments we conduct with an active management strategy.How we significantly reduce risk by leaving a risk-managed opportunity in the portfolio.Why monitoring how asset classes move is a good way to structure the portfolio.The peace of mind you get in your retirement by having an active asset management strategy.Tweetable Quotes:“Actively managing means we're going to transition the portfolio so it's in a good place as it can be, but it could also mean that we reduce risk.”- Radon Stancil“There are pros and cons to investing in general; at the end of the day, you want to pick a strategy that's comfortable to you.” - Murs Tariq Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the important financial planning milestones that happen at different ages. These are things you should be thinking about and preparing for before getting to retirement.Listen in to learn about the different financial milestones that happen in the life of a child from birth all the way to age twenty-six. You will also learn when to work on your catch up contributions, the social security eligibility age, when to withdraw all your retirement assets and much more.In this episode, find out:● The future-based savings accounts you can set up for a child from birth.● The key ages where different financial milestones happen all the way to age twenty-six.● Age fifty milestone – the catchup contributions you can add after age fifty in 2023.● Age fifty-nine and a half milestone – the age where you can withdraw all your retirement assets without a penalty.● Things that happen at age sixty-two where you're eligible for social security at a reduced rate.● The different things that happen at age sixty-five including eligibility for Medicare.● Understanding why the full retirement age is key for social security benefits.● Why there's no reason not to turn on social security after the age of seventy.● Age seventy and a half – when you get full deductibility on your QCDs. Tweetable Quotes:● “When you're at age fifty-nine and a half or above, just know that some options when it comes to investing and retirement planning become available to you.”- Murs Tariq● “Age seventy and a half is key because that's when you can start taking contributions in your IRA and giving them to a charity.”- Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss why you need a HIPAA form as part of your overall estate plan package. A HIPAA form is a simple document to put together and is recognized for protecting your personal health information, giving you privacy.Listen in to learn how your HIPAA Authorization can connect with your living will or health care power of attorney for information to be shared. You will also learn about the medical information that can be released to an authorized person per HIPAA standards.In this episode, find out:How the HIPAA Authorization form protects your personal health information and medical history.How your HIPAA Authorization form can connect with your living will or health care power of attorney.Why the HIPAA form should be connected to the living will so that the information can be shared.Have your adult kids sign a HIPAA form to give you permission to access their medical data.The elements of the health information to be released by HIPAA standards.The information included when setting up the HIPAA authorization form.Tweetable Quotes:“The purpose of a HIPAA Authorization is to protect your medical information from being given to someone without your consent or permission.”- Radon Stancil“The HIPAA form is there to authorize or give consent for medical professionals to be able to give information about your medical history, and it also gives you the ability to request information.”- Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

This week Tim sits down with producer, RJD2. The two discuss creating beats on the MPC 2000 in the late 90s, his debut album, Deadringer, latest album The Fun Ones, signing to El-P's label Definitive Jux, working with artists such as:  El-P,  Copywrite, Mos Def, Aceyalone, Blueprint, Murs, J-Live, Tame One, Homeboy Sandman and Cage.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the issues to consider before you retire. Sometimes, you get the luxury of deciding when to retire, and sometimes you don't, but either way, you always want to be thinking about the elements when it comes to retirement planning.Listen in to learn the importance of understanding your cash flow needs and budget and building some type of plan for your retirement. You will also learn the importance of budgeting for health insurance if you retire earlier than age 65 and the options to consider for long-term care planning.In this episode, find out:● Cash flow – understand your expenses, where money will come from, and build a plan.● Understand your retirement age and the implications on your payment options.● The importance of understanding the piece of your retirement your spouse is entitled to.● Consider budgeting for health insurance in your retirement if you plan to retire before age 65.● The math and emotion to consider when it comes to mortgage payment.● Put into alignment some retirement-focused vehicles as you approach retirement.● Tax planning – things to consider strategically to lower your tax bracket in retirement.● The options you need to think about when it comes to long-term care planning.Tweetable Quotes:● “It's rare that we're ever going to take money out of an IRA or 401k to pay the house off because we have to pay taxes.”- Radon Stancil● “It is scary to think about long-term care, but it is the reality we need to plan for.”- Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the “bunching” charitable contributions strategy and how it can help you maximize tax benefits. They explain why bunching contributions strategy for 2-3 years is a powerful tool in helping you take advantage of standard deductions. Listen in to learn how to bunch your charitable contributions into one year using the donor-advised fund. You will also learn why the donor-advised fund is the most flexible version of giving through the bunching strategy.In this episode, find out:The powerful impact bunching charitable contributions has on your tax scenario.How the donor-advised fund can help you overcome the standard deductions.Why the donor-advised fund is the most flexible version of giving with a tax benefit.How the bunching strategy allows you to gain deductibility by 2-3 years.Tweetable Quotes:“A donor-advised fund is a very key component of how we get to do the bunching strategy.”- Murs Tariq“Think of the donor-advised fund as the vehicle that's going to allow you to be able to group your deductions in one year.”- Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Andrew Opdyke about an update on the state of the economy of the first quarter of 2023. Andrew discusses the divergence within the economy, the issues with the banks, the recession and market volatility, and much more.Listen in to learn why you shouldn't worry about the US debt ceiling and its impact from a market standpoint. You will also learn why inflation might last longer and cause a recession if the federal reserve doesn't prioritize the inflation fight.In this episode, find out:The divergence within the economy – the goods and services sides of the economy are moving in different directions.The issues with the banks – how banks got hit from holding assets in a high-interest rate environment.Why the banking issues won't lead to another financial crisis since it's largely contained.Why the US dollar losing its world reserve status might be a passing conversation in the long run.Understanding the US debt ceiling and why it has a very little real lasting impact from a market standpoint.Why inflation might last longer if the federal reserve doesn't prioritize the inflation fight.Andrew's optimism on earnings progression, production growth, and service industry progression.Tweetable Quotes:“The slowdown we're seeing economically is not a collapse of activity, is that it's become more difficult to buy that technology that keeps the output growth continuing.”- Andrew Opdyke“The debt numbers don't tell you the full situation; you need to understand both sides of the balance sheet.”- Andrew OpdykeGet in Touch with Andrew:LinkedIn: https://www.linkedin.com/in/andrewopdyke/Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

n this Season 7 Episode 20 of Milkcrates & Microphones, we jump into a plethora of topics such as The Grouch vs MURS, Takeoff at the Super Bowl, David Blaine, the open challenge issued by 6ix9ine's bodyguard, King of the Dot, the world's most popular artist, the No Jumper dilemma, zombie viruses, plane crashes, conspiracy theories, the most gangsta wrestling theme song, plus much more. We also bring you your favorite Milk&Mics segments such as This Week in Hip Hop and Song Picks of the (Motha Fuckin') Week. Enjoy. Subscribe and tell a friend Follow us on Youtube @ https://www.youtube.com/channel/UC5Jmk_m0_zhxjjYRHWDtvjQ on Instagram @ https://www.instagram.com/milkandmics/?hl=en and Facebook @ https://www.facebook.com/milkandmics/  

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the five different things to consider when it comes to withdrawing your retirement money. To successfully establish an income stream in your retirement, you must be strategic when taking money from the retirement accounts you've built over the years.Listen in to learn how to determine your spending during retirement and which accounts the money will come from. You will also learn the importance of being flexible to make changes to your strategy as things and priorities shift over time.In this episode, find out:● Determine your retirement needs – understand how much you'll need and build a plan.● Understand the different types of retirement accounts, the rules around them, and how they play out.● Determine your tax priorities and understand the pros and cons of your decisions.● Manage investment risks using the bucket strategy (cash in the bank, investment, and safety buckets).● Be willing to adjust your strategy over time as priorities change, preferably annually.Tweetable Quotes:● “You need to understand the rules around traditional IRAs and traditional 401Ks and how that's going to play out.”- Radon Stancil● “A retirement-focused financial plan in our eyes is something that is living, breathing, and is going to go through some changes.”- Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the importance of reviewing your beneficiary designation annually. Always checking your beneficiaries in all your accounts and updating your beneficiary forms is the only way to avoid putting your loved ones in difficult scenarios.Listen in to learn the importance of naming contingent beneficiaries after your primary beneficiaries to ensure everything is clear. You will also learn why you need to consider the tax implications of each account, the needs of your beneficiaries, and its impact on your overall estate plan.In this episode, find out:● The importance of always updating your beneficiary designations on all your accounts.● Understand estate law in your state since they vary from state to state.● Ensure your beneficiary form is appropriately done and has a primary and a contingent beneficiary.● Review your beneficiary designations annually by reaching out to institutions.● Consider the tax implications of each account to understand the proper beneficiary.● Understand the impact on your overall estate plan to avoid disinheriting your beneficiaries.● Consider the needs of your beneficiaries and the impact of the assets on their lives.● Be specific when listing all your beneficiaries to avoid creating any confusion.● Consult with an attorney as a second set of eyes to help you think through scenarios.● Consider contingencies if you name a primary beneficiary to avoid future confusion.Tweetable Quotes:● “A lot of accounts can have beneficiaries associated with them. Take a list of all the accounts that you have and start checking to see.”- Murs Tariq● “It's your account, your responsibility to reach out to the institution to make sure they've got your beneficiary there.”- Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Heather Schreiber about social security spousal benefits and how it works. Heather is a retirement income strategist, speaker, writer, and educator of financial, legal, and tax professionals.Listen in to learn how spousal income works for couples with wide disparities in income benefits. You will get the full picture of how the fifty percent income benefit that the lower wage earner gets from the higher wage earner's full retirement age benefit works.In this episode, find out:How spousal benefit will be impacted if the higher wage earner predeceases the lower wage earner.Heather explains what happens with married couples with wide disparities in income benefits.Understanding the meaning of spousal benefit and the value of waiting a little longer to collect.Why spousal benefit always starts at fifty percent of the higher wage earner's full retirement age benefit.Understanding who's entitled to the spousal benefit for people under 70 by January 2024.Tweetable Quotes:“Any benefit that you take prior to your full retirement age, whether it's your own, spousal benefit, ex-spousal benefit, or survivor benefit, does come with a reduction.”- Heather Schreiber“Social security wants to be paying your own retirement benefits before they pay any benefits under any other records.”- Heather SchreiberConnect with Heather:LinkedIn: https://www.linkedin.com/in/heather-schreiber-ricp%C2%AE-nssa%C2%AE-74a09157/Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Hosts Jim DeRogatis and Greg Kot dissect De La Soul's iconic debut 3 Feet High and Rising. They discuss the innovative sampling and rapping style, as well as the legal troubles that plagued the record for decades. They also pay tribute to the late De La Soul rapper Trugoy the Dove and hear from some listeners.   Join our Facebook Group: https://bit.ly/3sivr9T Become a member on Patreon: https://bit.ly/3slWZvc Sign up for our newsletter: https://bit.ly/3eEvRnG Make a donation via PayPal: https://bit.ly/3dmt9lU Send us a Voice Memo: Desktop: bit.ly/2RyD5Ah  Mobile: sayhi.chat/soundops   Featured Songs: De La Soul, "Me Myself and I," 3 Feet High And Rising, Tommy Boy, 1989The Beatles, "With A Little Help From My Friends," Sgt. Pepper's Lonely Hearts Club Band, Capitol, 1967De La Soul, "Plug Tunin'," Plug Tunin' / Freedom Of Speak (Single), Tommy Boy, 1988De La Soul, "Tread Water," 3 Feet High And Rising, Tommy Boy, 1989De La Soul, "Intro," 4 Feet High And Rising, Tommy Boy, 1989Joe Bataan, "Rap-O Clap-O," Rap-O Clap-O (Single), Salsoul, 1979Eric B. & Rakim, "Eric B. Is President," Paid in Full, 4th & Broadway, 1987James Brown, "Funky President (People It's Bad)," Reality, Polydor, 1974Stetsasonic, "Sally," In Full Gear, Tommy Boy, 1988De La Soul, "Plug Tunin (Last Chance To Comprehend)," 3 Feet High And Rising, Tommy Boy, 1989Johnny Cash, "Five Feet High and Rising," Songs of Our Soil, Columbia, 1959The Invitations, "Written on the Wall," Hallelujah (Single), DynoVoice, 1965De La Soul, "Potholes In My Lawn," 3 Feet High And Rising, Tommy Boy, 1989Bob Dorough, "Three Is a Magic Number," Schoolhouse Rock! Rocks, Lava, 1996De La Soul, "The Magic Number," 3 Feet High And Rising, Tommy Boy, 1989De La Soul, "Jenifa Taught Me (Derwin's Revenge)," 3 Feet High And Rising, Tommy Boy, 1989De La Soul, "Say No Go," 3 Feet High And Rising, Tommy Boy, 1989Funkadelic, "Not Just Knee Deep," Uncle Jam Wants You, Casablanca, 1979Ohio Players, "Funky Worm," Funky Worm (Single), Westbound, 1972Edwin Birdsong, "Rapper Dapper Snapper," Funktaztik, Salsoul, 1981Loose Ends, "Gonna Make You Mine," Zagora, MCA, 1986Doug E. Fresh, "The Original Human Beatbox," The Original Human Beatbox (12" Single), Vintertainment, 1984The Turtles, "You Showed Me," You Showed Me (Single), White Whale, 1966The Mothers of Invention, "Louie Louie (Live At the Royal Albert Hall In London)," Uncle Meat, Reprise, 1969Buddy Guy, "First Time I Met the Blues," I Got My Eyes On You (Single), Chess, 1960Gilbert O'Sullivan, "Alone Again (Naturally)," Alone Again (Naturally) (Single), MAM, 1972Biz Markie, "Alone Again ," I Need A Haircut, Cold Chillin', 1991De La Soul, "Buddy," 3 Feet High And Rising, Tommy Boy, 1989Nico Segal & The Social Experiment, "Windows," Windows, (self-released), 2015Common, "I Am Music," Electric Circus, MCA, 2002Frank Ocean, "Sweet Life," Channel ORANGE, Island Def Jam Music, 2012Puff Daddy & Faith Evans, "I'll Be Missing You (feat. 112)," Tribute to the Notorious B.I.G. - EP, Bad Boy, 1989A Tribe Called Quest, "Electric Relaxation," Midnight Marauders, Jive, 1993Jungle Brothers, "Because I Got It Like That," Straight Out the Jungle, Warlock, 1988Black Star, "Brown Skin Lady," Mos Def and Talib Kweli Are Black Star, Rawkus, 1999Lupe Fiasco, "Kick Push," Lupe Fiasco's Food & Liquor, Atlantic, 2006Kanye West, "Spaceship," The College Dropout, Roc-A-Fella, 2004Murs, "The Pain," Murs 3:16: The 9th Edition, Definitive Jux, 2004Lady Gaga, "Paparazzi," The Fame, Interscope, 2008Richard Buckner, "Lil Wallet Picture," Devotion + Doubt, MCA, 1997The Speedies, "Let Me Take Your Photo," Let Me Take Your Photo (Single), Golden Disc, 1979The Cure, "Pictures of You," Disintegration, Fiction, 1989boygenius, "Not Strong Enough," the record, Interscope, 2023  Support The Show: https://www.patreon.com/soundopinionsSee omnystudio.com/listener for privacy information.

In this episode of the Secure Your Retirement podcast, Radon and Murs discuss the question of whether you can retire at age 66, using a specific example from an article in Market Watch. They provide insights and advice on retirement planning and financial management.If you're feeling anxious about whether it's time for you to retire or not, you're not alone. Retirement planning can be a nerve-wracking and overwhelming decision for many people.Listen in to learn the importance of considering all the elements involved in retirement planning and seeking professional advice when necessary. You will also learn why you should consider expenses, taxes, and potential long-term care costs in retirement planning.In this episode, find out:● The Market Watch article scenario plus why savings isn't the only determining factor of retiring comfortably.● The importance of income planning for retirement and how it involves more than just numbers.● The GPS analogy – the process of building a retirement-focused financial plan.● Avoid a higher rate of return in financial planning and, instead, use a conservative approach.● The impact of travel expenses on retirement planning and how to have a realistic budget.● Consider how taxes can affect your overall retirement plan.● The importance of considering long-term care insurance.● Establish a baseline to understand how to plan for a long-term care scenario.Tweetable Quotes:● “It's not all about the numbers; it's also what you want out of retirement and what retirement is going to look like for you.”- Murs Tariq● “If you don't think about the taxes and you don't consider them, it can be devastating to your overall retirement plan.”- Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the importance of having a trust as part of your retirement plan with Andres Mazabel. Trust & Will provides an “easy and secure” way to create estate plans and settle estates online, with the ability to customize legal documents.A trust is a legal agreement that helps you secure whatever legacy means to you when you're no longer around. Andres explains what probate is and why you need to create a trust as part of your estate planning to simplify things for your loved one.Listen in to learn the importance of getting a financial advisor's guidance when it comes to establishing a trust. In this episode, find out:How Trust and Will empower people to understand the importance of estate planning better.How estate planning helps protect whatever legacy means to you.The difference between a will and a trust and the benefits of having each in place.The privacy and control a trust gives over when and how distributions are made.Andres explains the complexities of a trust – how it works when you're alive and gone.How to plan and transfer all your estate assets into a trust.How to avoid probate by adding your assets to beneficiaries and having a trust.Tweetable Quotes:“With a trust, we have so much more control over when and how distributions are actually made.”- Andres Mazabel“No matter what state you live in, you want to avoid the probate because it makes the process smoother, reduces cost, and it gets assets transferred to the beneficiaries in a seamless way.”- MursGet in Touch with Clifton:Website:https://trustandwill.com/ Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Denise Appleby to discuss how the Secure Act 2.0 can affect your retirement plan. Denise is the CEO of Appleby Retirement Consulting Inc., a firm that provides IRA tools and resources for financial and tax professionals.She explains the good provisions of the Secure Act 2.0 that benefit domestically abused spouses, terminally ill patients, the 529 beneficiaries, and so much more. Listen in to learn why you should talk to a financial advisor to help you do IRA transfers instead of jumping into a rollover without any guidance.In this episode, find out:The confusion the age change of taking Required Minimum Distributions (RMDs) is creating.Understanding the meaning of a rollover as part of RMDs and how it works.Denise explains the good provisions of the Secure Act 2.0.The 529 plan and the stipulations they put in place to govern it's rolling over into a Roth IRA.How to avoid making an IRA rollover mistake by talking to an experienced financial advisor.Understanding an IRA rollover and why you have to be careful how you move your money.Why you should do a trustee-to-trustee IRA transfer instead of a rollover.Denise's retirement dictionary, where she breaks down retirement language into simple English.Tweetable Quotes:“Don't believe everything you read online; talk to a financial advisor and interview them just as you would your physician.”- Denise Appleby“You really want to do a trustee-to-trustee IRA transfer and never a rollover.”- Denise ApplebyGet in Touch with Denise:LinkedIn: https://www.linkedin.com/in/deniseappleby/Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.