Podcasts about OAS

durée : 00:47:27 - Affaires sensibles - par : Fabrice Drouelle - Aujourd'hui dans Affaires Sensibles, l'attentat OAS de Vitry-le-François. - réalisation : Étienne Bertin, Valentine Chédebois, Franck Cognard, Rebecca Denantes, Claire Teisseire, Florence de Talhouet Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Most people treat the Old Age Security (OAS) clawback like a cliff you fall off the moment your income crosses the line. It isn't. In this episode we reframe the clawback as one number among many, and look at when fighting to avoid it quietly costs you more than it saves. A listener wrote in about friends who organize their whole retirement around protecting OAS. Joe walks through what the clawback actually is, the math that makes avoiding it backfire, and the bigger cost most people never see. This one is for Canadian couples near or in retirement who want their income, tax, and estate decisions working together, not one line on a tax form running the show.   In this episode: Understand how the OAS recovery tax really works. It is a marginal cost of fifteen cents on each dollar above the threshold, not an all-or-nothing cliff. See how starving your Registered Retirement Income Fund (RRIF) to protect OAS can create larger forced withdrawals later and a painful tax bill at the second death. Weigh the behaviour cost: the trips, the help to your kids, and the generosity you postpone to protect a benefit that may be small against a large portfolio. Learn the two camps. For households near the income threshold, protecting OAS is genuinely smart. For those with a large portfolio, it may be a rounding error. Follow the right order of questions: what your ideal life costs, your projected lifetime tax bill, and what happens to the RRIF at the second death, before the clawback gets a vote.   About: Your Retirement Planning Simplified is a weekly Canadian retirement planning podcast hosted by Joe Curry, CFP, CEPA, of Matthews and Associates, an independent wealth management firm. Each week, Joe breaks down retirement income, tax, and estate decisions in plain language for Canadians who are near or in retirement.   Newsletter: Want tips like this in your inbox? Sign up for the Retirement Planning Simplified Newsletter and get updates plus our popular 60-Second Retirement Tip: https://bit.ly/RPSNewsletter   Next step: Ready to take the next step in your retirement planning? Watch a short overview of our True Wealth Roadmap and see if our process is a fit for you: https://www.matthewsandassociates.ca/vsl   Resources and sources: OAS clawback (OAS recovery tax) thresholds, Canada.ca: https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/recovery-tax.html (the minimum income recovery threshold and full-recovery ceiling are indexed annually, so confirm the current figures for the tax year before relying on them) RRIF minimum withdrawal rules, Canada.ca: https://www.canada.ca/en/revenue-agency/services/tax/registered-plans-administrators/specimen-plans/registered-retirement-income-fund-rrif.html   Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This podcast is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.  

Our friend, LEE HABEEB, from OUR AMERICAN STORIES is back and this time he's sharing with SIMON the new story that's coming up. You can support OAS with your financial donation of $17.76/mo or one time gift of $176 at ouramericanstories.com

What Canadian Green Card Holders Need to Know Before They Surrender StatusGuest: Robert Clegg, CanadAmerican Tax Services  |  Host: Gerry ScottEpisode OverviewA lot of Canadians who built a life in the United States assume that walking away from a green card is as simple as handing it back at the border. It is not. In this episode, Gerry sits down with cross-border tax specialist Robert Clegg of CanadAmerican Tax Services to unpack the U.S. Exit Tax, the rule that can turn a routine move back to Canada into a six-figure tax bill.Robert walks through how the IRS decides who counts as a covered expat, why the 8-out-of-15-year rule catches long-term green card holders off guard, and what really happens at the border when an officer decides your green card has been abandoned. Real client scenarios, including a near miss at the seven-year mark, illustrate just how much timing matters.Whether you are holding onto a green card out of habit, weighing citizenship, or planning your eventual return to Canada, this conversation lays out exactly what to check before you make a move.What You'll LearnWhat the U.S. Exit Tax actually is, and how it mirrors Canada's departure tax with a mark-to-market calculation on the day you renounce or abandon statusThe $2 million net worth threshold that determines whether you're a covered expat, and the roughly $800,000 exclusion available against any deemed gainWhy deferred compensation, including 401(k)s and RRSPs, faces a 30 percent withholding if you're a covered expat, and why CPP, OAS, and Social Security are treated differentlyThe 8-out-of-15-year rule for green card holders, including how even one day of residency in a given year counts toward the eightWhy a green card does not simply expire after ten years for tax purposes, and the official abandonment process required to stop U.S. filing obligationsHow border officers assess whether you've abandoned your green card by living in Canada, and what filing a Canadian tax return as a resident signalsWhat a reentry permit is and how it protects green card holders who plan to spend up to two years outside the U.S. without losing statusWhy there's no do-over once a green card is surrendered, and the limited exceptions for U.S. citizen spouses or childrenThe case for taking U.S. citizenship before moving back to Canada if you ever want unrestricted reentry, including the Medicare timing consideration for retirees under 65Practical consequences of renouncing, from B-2 visitor day limits to firearm import restrictions to how a Canadian DUI or criminal record can bar reentry for former citizensResources & LinksGuest: Robert Clegg, CanadAmerican Tax Services - cross-border personal, corporate, and partnership tax planning https://www.canadamericantax.com/meet-us.phpIRS Form 8854, Initial and Annual Expatriation Statement: https://www.irs.gov/forms-pubs/about-form-8854USCIS Form I-131, Application for Travel Document (includes the reentry permit for green card holders): https://www.uscis.gov/i-131USCIS naturalization eligibility tool: https://www.uscis.gov/citizenshipsnowbirdsheadingsouth.com

Americana Partners LLC Market Commentary is a financial podcast for investors, clients, and market-focused listeners who want clear perspective on the economy, investing, and portfolio strategy. Hosted by Melissa Giles and based on the market views and special reports of David M. Darst, Chief Investment Officer at Americana Partners, the show breaks down monthly market commentary, economic conditions, investment strategy, asset allocation themes, and the forces shaping today's financial markets. Each episode is designed to help listeners better understand market trends, long-term investing, and how to think clearly in changing environments. If you are looking for a smart, approachable source for market updates, economic outlook, wealth management insight, portfolio positioning, and investment commentary, subscribe to stay informed with timely perspectives from Americana Partners.   Join Our Distribution List – For a full copy of our report. Americana Partners - https://www.americanapartners.com/contact/  Americana Partners Website - https://www.americanapartners.com/  Linked In - https://www.linkedin.com/company/americana-partners/  Spotify - https://open.spotify.com/show/3rX19ND89pwEob9efsFNNF  iTunes - https://podcasts.apple.com/us/podcast/americana-partners/id1496186853    Disclosures Americana Partners, LLC is registered as an investment adviser with the SEC. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Americana Partners' current written disclosure brochure filed with the SEC which discusses among other things, Americana Partners' business practices, services and fees, is available through the SEC's website at: www.adviserinfo.sec.gov. The tax and legal information contained in this newsletter is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Foreign securities, foreign currencies, and securities issued by U.S. entities with substantial foreign operations can involve additional risks relating to political, economic, or regulatory conditions in foreign countries. These risks include fluctuations in foreign currencies; withholding or other taxes; trading, settlement, custodial, and other operational risks; and less stringent investor protection and disclosure standards in some foreign markets. All of these factors can make foreign investments, especially those in emerging markets, more volatile and potentially less liquid than U.S. investments. In addition, foreign markets can perform differently from the U.S. market. Investing involves certain risks, including possible loss of principal. You should understand and carefully consider a strategy's objectives, risks, fees, expenses and other information before investing. The views expressed in this commentary are subject to change and are not intended to be a recommendation or investment advice. Such views do not take into account the individual financial circumstances or objectives of any investor that receives them. The strategies described herein may not be suitable for all investors. There is no guarantee that the adviser will meet any of its investment objectives. All indices are unmanaged and are not available for direct investment. Indices do not incur costs including the payment of transaction costs, fees and other expenses. This information should not be considered a solicitation or an offer to provide any service in any jurisdiction where it would be unlawful to do so under the laws of that jurisdiction. Past performance is no guarantee of future results. It is not possible to invest directly in an index. Exposure to an asset class represented by an index is available through investable instruments based on that index. The S&P 500® Index is a widely recognized, unmanaged index of 500 common stocks which are generally representative of the U.S. stock market as a whole. The Nasdaq Composite® Index is the market capitalization-weighted index of over 2,500 common equities listed on the Nasdaq stock exchange. The types of securities in the index include American depositary receipts, common stocks, real estate investment trusts (REITs) and tracking stocks, as well as limited partnership interests. The EAFE® Index is a stock index offered by MSCI that covers non-U.S. and Canadian equity markets. It serves as a performance benchmark for the major international equity markets as represented by 21 major MSCI indices from Europe, Australasia, and the Middle East. The EAFE® Index is the oldest international stock index and is commonly called the MSCI EAFE Index. The Russell 2500® is a market-cap-weighted index that includes the smallest 2,500 companies covered in the broad-based Russell 3000 sphere of United States-based listed equities. All 2,500 of the companies included in the Index cover the small- and mid-cap market capitalizations. The Russell 1000® Growth Index is an unmanaged index that measures the performance of the large-cap growth segment of the U.S. equity universe. It includes those Russell 1000® Index companies with higher price-to-book ratios and higher forecasted growth values. The CBOE Volatility Index (VIX) is a measure of expected price fluctuations in the S&P 500 Index options over the next 30 days. The VIX is calculated in real time by the Chicago Board Options Exchange (CBOE). P/E or Price to Earnings ratio is indicates the dollar amount an investor can expect to invest in a company in order to receive one dollar of that company's earnings. The Consumer Confidence Survey® reflects prevailing business conditions and likely developments for the months ahead. The Manufacturing Business Outlook Survey is a monthly survey of manufacturers in the Third Federal Reserve District; Participants indicate the direction of change in overall business activity and in the various measures of activity at their plants: employment, working hours, new and unfilled orders, shipments, inventories, delivery times, prices paid, and prices received. The ISM manufacturing index, also known as the purchasing managers' index (PMI), is a monthly indicator of U.S. economic activity based on a survey of purchasing managers at more than 300 manufacturing firms. The Composite Index of Leading Indicators, otherwise known as the Leading Economic Index (LEI), is an index published monthly by The Conference Board. It is used to predict the direction of global economic movements in future months. A bond rating is a letter-based credit scoring scheme used to judge the quality and creditworthiness of a bond. The option adjusted spread (OAS) measures the difference in yield between a bond with an embedded option, such as an MBS or callables, with the yield on Treasuries. Mean reversion, in finance, suggests that various phenomena of interest such as asset prices and volatility of returns eventually revert to their long-term average levels. A meme stock is a security that has seen an increase in trading volume after going viral on social media or an online forum. This document may contain forward-looking statements relating to the objectives, opportunities, and the future performance of the U.S. market generally. Forward looking statements may be identified by the use of such words as; “believe,” “expect,”“anticipate,”“should,”“planned,”“estimated,”“potential”and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of any particular investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting a portfolio' operations that could cause actual results to differ materially from projected results. Such statements are forward-looking in nature and involve a number of known and unknown risks, uncertainties and other factors, and accordingly, actual results may differ materially from those reflected or contemplated in such forward-looking statements. Prospective investors are cautioned not to place undue reliance on any forward looking statements or examples. This material is proprietary and may not be reproduced, transferred, modified or distributed in any form without prior written permission from Americana Partners. Americana Partners reserves the right, at any time and without notice, to amend, or cease publication of the information contained herein. Certain of the information contained herein has been obtained from third-party sources and has not been independently verified. It is made available on an "as is" basis without warranty. Any strategies or investment programs described in this presentation are provided for educational purposes only and are not necessarily indicative of securities offered for sale or private placement offerings available to any investor. The mention of any individual security should not be construed as a recommendation to buy or sell that security.

In this episode of Your Retirement Planning Simplified, Joe Curry explains the real value of a one-time retirement plan and why retirement planning should never be viewed as a one-and-done exercise. Learn how retirement income planning, tax-efficient withdrawal strategies, CPP and OAS decisions, and ongoing financial guidance work together to help Canadians adapt to life's inevitable changes.   Thank you for listening! You can get a full breakdown of each episode on the Your Retirement Planning Simplified Blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA Questionnaire   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap. A step-by-step process to align your finances with your ideal retirement.  Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joe Curry is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.    About Retirement Planning Simplified Founded in 2022, it is our mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. YRPS wants everyone to have access to simple, reliable tools that reflect their values and priorities. This ultimately helps create True Wealth, defined by the freedom to do what you love with those you love. By simplifying retirement planning and aligning it with the retiree's purpose, YRPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.  

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Nesta mensagem, o Pr. Gil Pimentel, com o texto em Marcos, capítulo 16, versículos 5 ao 10, nos traz uma reflexão sobre nesta vida todos iremos errar e pecar, e a ressurreição que nos alcança, nos dando asas.Quando pensamos em uma galeria, imaginamos um lugar onde obras preciosas são expostas para serem admiradas. Em Marcos 16:5-10 encontramos uma verdadeira galeria das asas, onde vemos pessoas que, pela graça de Deus, receberam "asas" para se levantar depois da dor, do fracasso e da desesperança.Na manhã da ressurreição, as mulheres foram ao sepulcro carregando lágrimas, dúvidas e saudades. Elas esperavam encontrar um corpo, mas encontraram uma mensagem de vida. O túmulo estava vazio. Jesus havia ressuscitado!Nesta galeria espiritual, podemos contemplar algumas "asas" que Deus deseja dar aos seus filhos.1. As asas da esperançaAs mulheres chegaram ao sepulcro esperando o pior, mas Deus já havia preparado o melhor.Muitas vezes também caminhamos carregando preocupações, acreditando que determinadas situações não têm mais solução. Porém, a ressurreição nos lembra que Deus continua escrevendo a história quando pensamos que ela terminou.A esperança cristã nasce exatamente onde os recursos humanos acabam.Deus é especialista em transformar túmulos em testemunhos.2. As asas do recomeçoO anjo trouxe uma mensagem especial: "Dizei aos discípulos e a Pedro..."Pedro havia negado Jesus três vezes. Ele carregava a culpa de seu fracasso. No entanto, ao mencionar seu nome individualmente, Deus estava mostrando que ainda havia lugar para ele.As asas do recomeço são dadas àqueles que pensam que perderam sua oportunidade.Quando Deus chama Pedro pelo nome, Ele está dizendo:"Seu erro não é maior do que a Minha graça."3. As asas da missãoAs mulheres não deveriam permanecer apenas contemplando o túmulo vazio. Elas receberam uma tarefa: "Ide e anunciai."Quem experimenta o poder da ressurreição não pode guardar essa notícia apenas para si.Deus nos dá asas para sair da paralisia e voar na direção do propósito.O Evangelho nunca foi uma mensagem para ser armazenada, mas para ser compartilhada.4. As asas da transformaçãoMarcos destaca que Jesus apareceu primeiro a Maria Madalena, aquela que havia sido liberta de sete demônios.Que contraste extraordinário!A mulher que um dia foi marcada por sua escravidão espiritual agora se torna a primeira testemunha da ressurreição.Isso nos ensina que Deus não define as pessoas pelo seu passado, mas pelo que Sua graça pode fazer nelas.As asas da transformação nos levam para além das marcas que carregamos.Conclusão: A galeria das asas em Marcos 16 não apresenta pessoas perfeitas. Ela apresenta mulheres assustadas, um discípulo fracassado e uma mulher que tinha um passado difícil.Mas todos eles foram alcançados pela ressurreição.Hoje, Deus continua expondo em Sua galeria homens e mulheres que receberam:As asas da esperança para vencer o desânimo;As asas do recomeço para superar os fracassos;As asas da missão para viver o propósito;As asas da transformação para testemunhar a graça.O túmulo vazio continua anunciando a mesma verdade: quem encontra o Cristo ressuscitado recebe asas para voar acima das circunstâncias e viver uma nova história.Porque a ressurreição não apenas muda o destino eterno; ela muda a maneira como vivemos hoje.Se esta mensagem edificou a sua vida, curta e compartilhe com mais pessoas.Deus te abençoe!

In this episode of Your Retirement Planning Simplified, Joe Curry explains how pension income splitting works in Canada and why it can be one of the most effective tax-saving strategies for retirees. Learn how RRIF withdrawals, defined benefit pensions, and strategic retirement income planning can help couples reduce taxes, protect OAS benefits, and create more tax-efficient retirement income.   Resources CRA Form T1032 – Joint Election to Split Pension Income Government of Canada – Pension Income Splitting Overview   Thank you for listening! You can get a full breakdown of each episode on the Your Retirement Planning Simplified Blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA Questionnaire   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap. A step-by-step process to align your finances with your ideal retirement.  Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joe Curry is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.    About Retirement Planning Simplified Founded in 2022, it is our mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. YRPS wants everyone to have access to simple, reliable tools that reflect their values and priorities. This ultimately helps create True Wealth, defined by the freedom to do what you love with those you love. By simplifying retirement planning and aligning it with the retiree's purpose, YRPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Youtube: https://www.youtube.com/@retirementplanningsimplified   Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Uma cerveja cor-de-rosa que parava o bar inteiro em 2015. Neste episódio, Fabio Koerich, o Fabito, conta a história completa da Daenerys, a Catarina Sour com pitaia e maracujá da Armada Cervejeira, e detalha a receita do início ao fim, incluindo o processo que levou a cerveja ao BJCP.Neste episódio, Henrique Boaventura conversa com Fabio Koerich, cofundador da Armada Cervejeira (São José/SC), sobre a anatomia completa da Daenerys, a Catarina Sour de pitaia e maracujá que ganhou medalhas em Copa Poa e no Uruguai, e entrou como exemplo de estilo no BJCP.O que você vai aprender:Como nasceu a Catarina Sour como estilo e por que "Berliner Weiss com fruta" não funcionava para ninguémPor que a Armada não usa lúpulo na fervura e como o extrato isomerizado (ExaHop/TetraHop) resolve o problema de espumaO processo completo de Kettle Sour com Lactobacillus plantarum: pré-acidificação, temperatura e controle de contaminaçãoComo as frutas entram na receita: proporções exatas, processamento e momento certo de adiçãoAs dicas de Fabito para ganhar medalha com Kettle Sour em concursosCom Fabio Koerich, cofundador da Armada Cervejeira, cervejeiro caseiro desde 2008, juiz BJCP e um dos pioneiros da Catarina Sour no Brasil.

When should you convert your RRSP to a RRIF? In this episode of Your Retirement Planning Simplified, Joe Curry explains the key differences between RRSPs and RRIFs, how RRIF minimum withdrawals work, and why the right timing depends on your retirement income plan, tax strategy, and estate goals. Learn how RRSP meltdown strategies, pension income splitting, and OAS clawback planning can impact your retirement income in Canada.   Resources Government of Canada - RRIF Minimum Withdrawal Rules Government of Canada - Old Age Security (OAS) Recovery Tax   Thank you for listening! You can get a full breakdown of each episode on the Your Retirement Planning Simplified Blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA Questionnaire   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap. A step-by-step process to align your finances with your ideal retirement.  Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joe Curry is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.    About Retirement Planning Simplified Founded in 2022, it is our mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. YRPS wants everyone to have access to simple, reliable tools that reflect their values and priorities. This ultimately helps create True Wealth, defined by the freedom to do what you love with those you love. By simplifying retirement planning and aligning it with the retiree's purpose, YRPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.    

A smooth retirement doesn't always start the way people expect… in fact, the first year is often where the real adjustment begins. In this episode of Think Smart with TMFG, we walk through what actually happens financially in your first year of retirement, and why it can feel so different from what you planned. From shifting away from a steady paycheck to building your own income stream, we break down how sources like CPP, OAS, pensions, RRIFs, and investment accounts come together, and why they don't always line up as neatly as a biweekly paycheque. We also explore the key decisions retirees face early on, from when to draw income and how different sources are taxed, to how poor market timing (sequence of returns) can impact your long-term plan. The first year won't be perfect… but it's where your retirement plan starts to take shape.

In this episode, Joe Curry breaks down a common misunderstanding in retirement income planning: why your withdrawals don't equal taxable income. Learn how non-registered accounts, capital gains, and tax-efficient withdrawal strategies can help you stay in a lower tax bracket and avoid OAS clawbacks.   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/    About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Podcast/Blog: https://www.retirementplanningsimplified.ca/blog ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Old Age Security is the largest program expense in the federal budget and is a driving force behind the federal deficit. A new national poll shows 3/4 of Canadians, including seniors, support reform so that benefits are reduced for higher-income households, and the savings are repurposed to eliminate seniors' poverty and improve affordability for younger generations. Generation Squeeze founder, Dr. Paul Kershaw explains why OAS reform was once politically untouchable and how things have changed.

In this episode, Joe Curry breaks down three essential steps to take immediately after retiring in Canada to avoid costly mistakes. Learn how to optimize your RRSP withdrawal strategy, properly time CPP and OAS, and build a sustainable retirement income plan.   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/    About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Podcast/Blog: https://www.retirementplanningsimplified.ca/blog ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

On this week’s episode of More Than Money, Leanna Wachniak and Rob Gerrie discuss a new Statistics Canada report showing that 1 in 10 Canadians aged 55 and older who had retired were back at work in 2023, up from 7% in 2019, with most of that work being part-time. Then, they sit down with Lori Williams, Professor of Political Science at Mount Royal University, to talk about a major week in Canadian politics, including the Liberals securing a majority win in the by-elections and Mark Carney’s promise of more substance and less showboating. Next, Leanna and Rob are joined by Mario Canseco, President of Research Co., to explore why more Canadians are open to changes to the OAS system as concerns grow around affordability and Canada’s projected $78-billion deficit. To close the show, Leanna and Rob take a step back and look at the history of retirement. While retirement can feel like a natural part of life today, that has not always been the case.See omnystudio.com/listener for privacy information.

Licensed insolvency trustee Joshua Harris, CEO of Harris & Partners, joins Bruce Sellery to break down what makes debt uniquely challenging for seniors in Canada. They discuss the realities of living on a fixed income from CPP and OAS, how ageism limits earning potential, and the critical difference between consumer proposals and bankruptcy filings. Joshua explains which assets are protected, including the fact that government pensions are non-garnishable, addresses common fears about losing your home, and shares what happens to debt when a person passes away. If you're a senior dealing with debt or love someone who is, this is essential listening. Find out more at harrisandpartnersinc.com and connect on LinkedIn.

「海洋這麼大，怎麼可能被人類污染？」在 1970 年代以前，許多人或許抱持這樣的想法。直到科學家在海洋與人體內發現了大量的「鉛」，這才推動了全球停止使用加鉛汽油的重大變革。這個故事告訴我們：科學證據是推動社會改變的火車頭，而海洋的健康與我們息息相關。#氣候戰役在台灣Podcast 最新一集專訪 中研院環境變遷研究中心研究員、Future Earth Taipei 海洋工作小組顧問 何東垣老師，帶我們認識「未來地球」(Future Earth)－這個在「科學界的聯合國」國際科學聯盟（International Council for Science, ICS）所發起的跨學科和跨地區的科學家和研究人員組成的全球網絡。 本集重點：1.永續議題的跨學科革命： 不只是學術研究，更是結合政策與社會力量的「跨學科（Transdisciplinary）」協作，正面迎擊單一學門無法解決的氣候與環境重擔。2.打造行動導向的交流平台： 透過每年舉辦的「海洋行動座談會（Ocean Action Symposium, OAS）」，建立科學界與產業、官方的對話機制，讓海洋保育政策與研究能真正落地轉化為行動。3. 找回台灣的海洋素養（Ocean Literacy）： 呼應海保署鼓勵民眾「淨海、知海、近海及進海」，呼籲透過理解人海共生關係，將台灣南島文化的海洋基因轉化為守護永續的力量。 Powered by Firstory Hosting

In this episode, Joe Curry breaks down six costly retirement mistakes Canadians make around CPP timing, RRSP withdrawals, TFSA usage, and OAS clawback. Learn how proper retirement income planning can help you reduce taxes, protect benefits, and create a more efficient, coordinated retirement strategy.   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/    About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Podcast/Blog: https://www.retirementplanningsimplified.ca/blog ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

What is an RRSP meltdown strategy—and should you use one? In this episode, Joe Curry explains how intentional RRSP and RRIF withdrawals, CPP and OAS timing, and tax-efficient planning can help reduce lifetime tax and create more flexible retirement income in Canada.   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/    About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Podcast/Blog: https://www.retirementplanningsimplified.ca/blog ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this OAS season finale Tony takes us out properly with a tribute to Ozzy Osbourne. No Sabbath, just Ozzy. What a great episode to honor the late great Prince of Darkness. Tony did this episode right and tasteful by putting a lot of thought into what songs he would pick and he gave us the heart of Ozzy's career. Thank you Tony for another great episode and we look forward to the next season of Open Air Sonar.

0:11 - Oil prices fall after Trump postpones Iran strikes. 10:23 - Lowering the Old Age Security income threshold is no longer politically taboo. 21:27 - Is it time of Old Age Security to change? We take your calls and texts. 29:00 - Municipal affairs panel with  Jeff Davison, former Calgary City Council and current CEO of the Prostate Cancer Centre, and Michael Walters, a former City Councilor, Mayoral Candidate and currently a community leadership and public policy advisor for clients across Alberta. 48:22 - We take your calls and texts on OAS. 58:10 - What should the threshold for old age security be? We hear from you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Convidado: Claudio Couto, cientista político e professor da FGV-SP. Na última sexta-feira (13), uma notícia deixou grande parte do mundo político de cabelo em pé. Daniel Vorcaro anunciou a troca de seus advogados no Caso Master. Quem assume a defesa do banqueiro é José Luís Oliveira Lima, conhecido como Juca e dono de um currículo com diversos acordos de delação premiada em casos de grande repercussão – caso do empreiteiro Léo Pinheiro, da construtora OAS, na Operação Lava Jato. Um acordo de colaboração não se constrói imediatamente. É preciso seguir um rito judicial: em troca de redução da pena, o colaborador precisa entregar provas do esquema e da participação de outros envolvidos – que devem ocupar posições mais altas que o delator dentro da organização criminosa. Esse é um escândalo que tem potencial para atingir em cheio o tabuleiro político do país, sobretudo em ano de eleição. De acordo com a mais recente pesquisa Quaest, 38% dos eleitores já rejeitam votar em candidatos envolvidos no Caso Master. Para analisar os maiores alvos de uma eventual delação de Vorcaro, Natuza Nery recebe Claudio Couto, cientista político e professor da FGV-SP. Claudio desenha o cenário no qual “gente graúda” pode ser envolvida no escândalo e analisa a posição do Supremo Tribunal Federal diante de suspeitas de relações inadequadas de dois ministros com o banqueiro. O cientista político também avalia os impactos do caso nas urnas.

Many Canadians worry that they started saving for retirement too late. The numbers can feel discouraging, especially if debt, minimum payments, or everyday expenses delay investing for years. This conversation breaks down the math behind retirement saving and why delay matters more than age. Instead of focusing solely on hitting a "$1 million retirement goal," the discussion shifts to more practical goals: eliminating debt, understanding government benefits like CPP and OAS, and building financial stability over time. Debt Relief For Canadian Seniors – Know Your Options Pre and Post Retirement Debt Repayment Calculator Debt Free Digest – a free monthly e-newsletter Joe Debtor- Hoyes Michalos Annual Consumer Debt Study Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts 00:00 Is it ever too late to save for retirement? 02:05 The real problem isn't age 04:40 The math behind starting at 25 vs 45 vs 55 07:20 Why most households can't outrun the numbers 09:30 What the Joe Debtor study reveals about financial delay 12:10 How minimum payments quietly destroy retirement runway 14:20 Should retirement saving happen while carrying debt? 17:00 What happens to retirement plans during a proposal or bankruptcy 20:10 When saving becomes urgent (20s vs 40s vs 50s) 23:00 When retirement saving becomes a lifestyle planning question 26:00 The reality of CPP, OAS and retirement income in Canada Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

For most of our working lives, financial advice is simple: save more, invest consistently, and build your portfolio. But eventually, the conversation changes. Instead of asking how to grow your money, the question becomes how that money will support your lifestyle. On this episode of Think Smart with TMFG, we explore the psychological and financial shift that happens as people move from accumulation to spending in retirement. Many savers spend decades building their wealth, only to discover that actually using it can feel uncomfortable. We discuss why this transition can be difficult, including the concept of loss aversion, a behavioural bias that makes people feel the pain of seeing their portfolio decline more strongly than the benefit of using it for their lifestyle. We also look at the structure of retirement income in Canada. Programs like CPP and OAS provide a base level of income, but for most people, they are not enough to maintain the lifestyle they're used to. That's why personal savings, pensions, and investment withdrawals play such an important role in retirement planning. The key is understanding that retirement planning isn't just about building wealth. It's about building the confidence to use that wealth in a way that supports the life you worked so hard to create. Question for our listeners: Do you think the harder part of financial planning is saving for retirement or learning how to spend in retirement?

In this episode of Your Retirement Planning Simplified, Joe Curry outlines seven expensive retirement planning mistakes affluent Canadians make in their 60s. From CPP and OAS timing to RRSP and RRIF withdrawal strategies, tax-efficient investing, and purposeful spending, this conversation will help you protect your retirement income plan and avoid costly missteps. Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/    About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Podcast/Blog: https://www.retirementplanningsimplified.ca/blog ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

8 septembre 1961, la voiture du général de Gaulle est soufflée par une boule de feu sur la route de Colombey… Plongez dans l'histoire des grands personnages et des évènements marquants qui ont façonné notre monde ! Avec enthousiasme et talent, Franck Ferrand vous révèle les coulisses de l'histoire avec un grand H, entre mystères, secrets et épisodes méconnus : un cadeau pour les amoureux du passé, de la préhistoire à l'histoire contemporaine.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

When it comes to CPP and OAS timing, most Canadians ask the wrong question: "What if I die early?" In this episode, Joe Curry reframes CPP as longevity insurance -  a core part of retirement income planning designed to protect you from the real financial risk: living longer than expected and running out of money.   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/    About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Podcast/Blog: https://www.retirementplanningsimplified.ca/blog ●      Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service. 

Anna Ahnlund talks about her solo albums Lackmuspapper (2018) and Omnejd (2014). You can hear her talk about the band Dina Ögon in Part 1. Music in the episode comes from Lackmuspapper, Omnejd and År, although there's an excerpt of Dina Ögon's remake of 'År' from the Dina Ögon album Oas. 00:00 Varmare 7:22 Allting som är gott är dåligt 14:17 Galopp 18:08 Dina Ooord 21:58 Horizont 23:51 Luft 26:25 Koppärr 30:20 Luft 32:15 Spontan 33:22 Tiktaalik 38:48 Gruset 41:10 Ooord 44:56 Varulv 48:00 Antiatom 50:51 Vinglar 53:53 Gröna Röda 57:06 Strumpan 58:30 Kalaset 1:02:11 Glömmer Aldrig 1:04:13 År 1:08:08 Branden (credits) Dina Ooord

Tony has had it up to punk with this hardcore bs! Season seven of OAS is a half and half show. Is it punk or is it hardcore? Here are Tony's thoughts and if you disagree or agree let him know at cryovato@gmail.com What a great episode with a major surprise announcement at the end! wow. Good for you Tony!

What if financial planning were approached the same way engineers design aircraft, medical treatments, or complex systems—with clearly defined objectives, constraints, and rigorous trade-off analysis? In this episode, Benjamin Felix is joined by Braden Warwick for a deep dive into what it means to engineer financial outcomes. Drawing on Braden's background as a PhD-trained mechanical engineer and his work building financial planning software at PWL Capital, the conversation reframes financial planning as a design problem rather than a speculative exercise. They explore the critical distinction between a financial plan and a financial projection, why uncertainty does not invalidate good planning, and how professional communication under uncertainty can build trust with clients—especially those from technical backgrounds. The discussion highlights the importance of goals-based planning, sensitivity analysis, and explicitly quantifying trade-offs when clients have multiple competing objectives. Key Points From This Episode: (0:00:04) Introduction to Episode 393 and the return of Braden Warwick (0:02:50) Braden's role at PWL and his experience deploying Conquest Planning software (0:05:46) The tension between low industry entry barriers and professional standards in financial planning (0:07:54) Braden's background in mechanical engineering and academia 0:09:33) Financial plans vs. financial projections: why uncertainty doesn't make a plan "wrong" (0:12:59) Lessons from medicine and engineering on communicating decisions under uncertainty (0:15:15) An engineering framework for financial planning: objectives first, then solutions (0:18:42) Why surface-level goals like "minimize tax" or "maximize returns" often miss what really matters (0:21:19) Evaluating plans against goals using projections, scenario analysis, and sensitivity analysis (0:24:28) Why sensitivity analysis helps planners focus on what actually drives outcomes (0:29:27) Handling multiple competing goals using trade-off analysis and Pareto frontiers (0:36:46) Practical ways planners can present trade-offs without complex math (0:39:25) Case study setup: professional financial planning with corporate clients (0:40:20) Salary vs. dividends for business owners when optimizing for legacy goals (0:44:26) Why financial planning software outputs can be misleading without context (0:48:23) The importance of understanding how planning software calculates key metrics (0:50:22) Using PWL's free retirement tool to analyze CPP and OAS timing decisions (0:53:44) Approximating Monte Carlo outcomes using standard error of the mean (0:56:16) Linking "bad" and "terrible" outcomes to plan success probabilities (0:58:44) How CPP and OAS deferral affects sustainable spending and downside protection (1:02:46) What makes PWL's CPP calculator different from typical break-even tools (1:05:15) Why wage inflation assumptions materially affect CPP deferral decisions (1:07:46) Closing framework: goals, constraints, sensitivity analysis, and quantified trade-offs (1:09:36) Financial planning as an emerging discipline rooted in engineering-style thinking Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

In this episode, we dive deep into retirement planning statistics that might surprise you—and hopefully motivate you to take action. We break down the numbers, share personal stories, and give you practical steps to start preparing for your future, no matter what stage of life you're in.   Key Takeaways Start where you are: Even if you're past the "ideal" window for compounding, taking action now is better than waiting Know your numbers: Understand what government benefits you'll actually receive Review your spending: Track where your money goes—especially dining out Think long-term: You're likely to live longer than previous generations planned for Get professional help: This isn't your specialty, and that's okay Action Steps Review your current retirement savings and projections Calculate your expected CPP and OAS benefits Analyze 3 months of spending to find financial leaks Consider insurance as part of your investment strategy Have honest conversations with your partner about retirement goals Resources Mentioned Statistics Canada retirement data (2022-2025) The Latte Factor by David Bach Rich Dad, Poor Dad by Robert Kiyosaki and Sharon Lechter The Psychology of Money by Morgan Housel   Let's dive in! Thank you for joining us today. If you could rate, review & subscribe, it would mean the world to me! While you're at it, take a screenshot and tag me @jennpike to share on Instagram – I'll re-share that baby out to the community & once a month I'll be doing a draw from those re-shares and send the winner something special! Click here to listen: Apple Podcasts – CLICK HERESpotify – CLICK HERE Free Resources: Free Perimenopause Support Guide | jennpike.com/perimenopausesupport Free Blood Work Guide | jennpike.com/bloodworkguide The Simplicity Sessions Podcast | jennpike.com/podcast Get 20% on thewalkingpad.com using code "JENNPIKE20" Get discounts at happybumco.com using code "JENNPIKE" *code doesn't apply with Black Friday sale* Programs: Ignite: Your 8-Week Body Transformation Program | https://jennpike.com/ignite The Peri & Menopause Project  - Join the Waitlist | jennpike.com/theperimenopauseproject Synced Virtual Fitness Studio | jennpike.com/synced Services: Work With Jenn | https://jennpike.com/work-with-jenn/ Functional Testing | jennpike.com/testing-packages Business Mentorship | The Audacious Woman Mentorship:  jennpike.com/theaudaciouswoman Connect with Jenn: Instagram | @jennpike Facebook | @thesimplicityproject YouTube | Simplicity TV Website | The Simplicity Project Inc. Connect with Chris: Instagram | @chrisborsellino Finance Discovery Session | Book Here Have a question? Send it over to hello@jennpike.com and I'll do my best to share helpful insights, thoughts and advice.

In December 1989, the U.S. military intervened in Panama to depose dictator Manuel Noriega. Known as Operation Just Cause, the U.S. invasion of Panama has resurfaced in public discourse as observers draw parallels between it and the large build-up of U.S. forces  off the coast of Venezuela. In this episode, Christopher Hernandez-Roy sits down with Ambassador Luigi Einaudi, U.S. Ambassador to the OAS from 1989 to 1993 and later former Assistant Secretary General of the Organization of American States. Together they unpack both the similarities and distinctions between Panama and Venezuela . They also assess the challenges inherent in any democratic transition and lessons learned from Panama's history. The episode was recorded on December 22, 2025, two weeks before Operation Absolute Resolve to capture Venezuelan Disctator Nicolas Maduro, yet it still contains valuable insights into what may happen next in Venezuela.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you unknowingly turning your RRSP into a massive tax bill instead of a wealth-building tool?Most Canadians — especially incorporated business owners — obsess over contributing to their RRSPs but give almost no thought to how that money comes out. Without a clear withdrawal plan, years of disciplined saving can result in forced withdrawals, top tax brackets, and a painful handoff to the CRA later in life. This episode reframes RRSPs not as a “set it and forget it” account, but as one moving part in a much bigger wealth system that needs intention, timing, and strategy.In this episode, you'll discover:How to use low- or no-income years to strategically draw down your RRSP before forced withdrawals kick inHow leverage strategies can offset RRSP taxes while increasing access to capital and preserving net worthWhy delaying other income sources like CPP and OAS can dramatically improve your overall tax efficiencyPress play now to learn how to turn your RRSP from a future tax liability into a flexible, intentional part of your long-term wealth system.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.A strong Canadian wealth plan for business owners goes far beyond saving—it's about aligning RRSP optimization, meltdown strategies, and tax-efficient investing within a clear financial system. By understanding personal vs corporate tax planning, salary vs dividends in Canada, and how to structure financial buckets across RRSPs, corporations, real estate, and non-registered investments, entrepreneurs can reduce income tax while building long-term wealth. Thoughtful retirement planning tools, capital gains strategies, and passive income planning support financial Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Learn what more than 100 successful Canadian early retirees did differently to make life after work sustainable. Joe Curry breaks down the income systems, bridge strategies, CPP and OAS timing, and flexible RRSP/RRIF withdrawal strategies that turn a portfolio into a reliable retirement paycheck—especially if you're thinking about retiring before 60.   Resources Original YouTube video: I Analyzed 100 Early Retirees in Canada - Here's What Worked — on the Retirement Planning Simplified YouTube channel Ep #134 – Smart Tax Strategies for More Efficient Retirement Planning Covers withdrawal order, OAS clawback, and tax-efficient retirement income in more depth. Ep #123 – Maximize Your RRIF: Tax-Smart Withdrawal Strategies for Retirees Practical guidance on RRIF withdrawals and minimizing tax in later retirement. Ep #157 – How to Delay CPP to Age 70 Without Sacrificing Retirement Income Shows how to bridge income so you can delay CPP for higher, inflation-indexed benefits.   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/   About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/   About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureCalifornia is imploding, they want to retroactively tax billionaires, they are becoming desperate. Trump has brought fuel down below $2 in Co. Trump shows the country he has reversed everything that Biden has done. Trump lets the people know that Liberation day is coming, we will be liberated from the [CB]. The [DS] is panicking, Trump is dismantling the drug, human, child trafficking networks. Trump is exposing which countries are involved in manipulating the election. The [DS] is fighting back trying to remove the leaders of the agencies, this will fail. The [DS] will push for riots and war and Trump is already putting things into place to counter all of this. Liberation Day is approaching. Economy https://twitter.com/amuse/status/1995869912196161753?s=20   unveiled a retroactive billionaire tax targeting 2025 residency. The 5% levy applies even if the individual has already relocated, turning “temporary” fiscal policy into a weapon against those who stayed too long. While courts have sometimes upheld narrow retroactive taxes, justices from Scalia to O'Connor have warned against exactly this kind of “bait-and-switch” confiscation. As California's population and revenue base shrink, the state appears willing to gamble on a constitutionally dubious wealth grab to plug the holes. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/_johnnymaga/status/1995607860026507467?s=20 Manufacturing Surveys Show Conflicting Signals: Growth or Contraction? Two closely watched surveys of U.S. manufacturing activity painted sharply divergent pictures in November, with one showing continued expansion and the other reporting accelerating contraction, highlighting deep uncertainty about the sector's health amid ongoing adjustment to the new rules of global trade. The S&P Global U.S. Manufacturing PMI registered 52.2 in November, marking the fourth consecutive month above the 50 threshold that separates expansion from contraction. However, the reading slipped from 52.5 in October. By contrast, the ISM Manufacturing PMI fell to 48.2, down from 48.7 in October and marking the ninth consecutive month of contraction. The divergence places the two surveys on opposite sides of the expansion-contraction divide, an unusual occurrence that suggests significantly different conditions across the manufacturing landscape.  https://twitter.com/ShadowofEzra/status/1995904464625000594?s=20   the national debt. He adds that in the future Americans will no longer have to pay income tax at all. https://twitter.com/WatcherGuru/status/1995906384764846376?s=20 Reminder, that the objective of the tariffs is not just using trade to secure peace. It's about freeing the American People from slavery via income tax. That's why Trump called it “Liberation Day” when he implemented the tariff economic plan. The goal is no income tax. Political/Rights https://twitter.com/LiberalsLeaving/status/1995524375534321766?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1995524375534321766%7Ctwgr%5E1abd29295b52f4bb4422e1469e33d198815032f8%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fellen-degeneres-planning-crawl-back-united-states-after%2F  OUTRAGE: New York Quietly Releases Nearly 7,000 Dangerous Illegal Migrants Including Rapists, Killers, Terrorists, and Repeat Offenders With Zero Notice to ICE   U.S. Immigration and Customs Enforcement (ICE) Director Todd Lyons has issued an explosive letter to New York Attorney General Letitia James, demanding immediate action after state and local officials quietly released nearly 7,000 criminal illegal aliens, including rapists, killers, gang members, and repeat violent offenders, without honoring ICE detainers and without a single notification to federal authorities. Since January 20, New York has released 6,947 criminal illegal aliens back onto the streets. These offenders are tied to: 29 homicides 2,509 assaults 199 burglaries 305 robberies 392 dangerous drug offenses 300 weapons offenses 207 sexual predatory offenses Worse, another 7,113 criminal aliens remain in New York custody today, all with active ICE detainers that state officials continue to ignore. These detainees include: 148 charged with homicide 717 charged with assault 134 charged with burglary 106 charged with robbery 235 dangerous drug offenses 152 weapons offenses 260 sexual predatory offenses Source: thegatewaypundit.com  https://twitter.com/DataRepublican/status/1995618958586904896?s=20 https://twitter.com/ColonelTowner/status/1995674641591873840?s=20   similar and blind sided the CIA and a few months later another one was exposed that wasn't on the completed list. They're paid out of proprietary companies that no one tracks. https://twitter.com/mattvanswol/status/1995652622112760293?s=20   invaders to slaughter our heroes, suck dry our hard-earned tax dollars, or snatch the benefits owed to AMERICANS. WE DON’T WANT THEM. NOT ONE. https://twitter.com/libsoftiktok/status/1995735514469527661?s=20 DOGE Geopolitical https://twitter.com/JoeLang51440671/status/1995662088337768634?s=20 Delegation of U.S. Representatives From Intelligence Committee Traveled to Honduras to “Observe” Election   , a delegation of U.S. Representatives traveled to Honduras to personally “participate in observation” of their elections to “underscore the United States' continued support for transparent, credible, and peaceful democratic processes in the region,” according to a press release from Representative Rick Crawford, the Chairman of the House Permanent Select Committee on Intelligence. https://twitter.com/RepRickCrawford/status/1995625707318509587?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1995625707318509587%7Ctwgr%5Ecbef4e85d24884b779ca77c501bc569911e36442%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fdelegation-u-s-representatives-intelligence-committee-traveled-honduras%2F  Hemisphere neighborhood rests heavily on our key allies’ ability to instill trust in their commitment to democracy and the administering of free and fair elections. The people of Honduras made it very clear they wanted U.S. eyes on this election, and they showed up in droves at voting locations yesterday to peacefully exercise their right to determine the future of their country. Source: thegatewaypundit.com War/Peace Trump gives Maduro a week to leave Venezuela… and the latter requests a full pardon Trump gives Maduro a week to leave Venezuela… and the latter requests a full pardon   Maduro also expressed his willingness to leave his country on the condition that he and his family members receive a full legal pardon that includes lifting all US sanctions and ending the high-profile case he faces before the International Criminal Court. These developments come as Maduro appeared before a crowd near the presidential palace, affirming his “absolute loyalty” to the Venezuelan people, surrounded by senior officials in his government. Source:  iraqidinarchat.net  Trump's Latin American Allies Against Venezuela  alliances are shaping up in the Caribbean, with many countries abandoning Venezuela and supporting the United States. Venezuelan leader Nicolás Maduro is becoming increasingly isolated as regional governments shift away from Chavismo and move closer to Washington. Honduras and St. Vincent and the Grenadines, once reliable partners for Caracas, have both elected new governments that pledged to distance themselves from Maduro.  Honduras   Argentina, Ecuador, El Salvador, and Bolivia have also deteriorated as those countries shifted to the right. Puerto Rico and the U.S. Virgin Islands, both U.S. territories, have seen a renewed military buildup, with fighter jets and transport aircraft operating from Cold War-era facilities such as Roosevelt Roads and new activity at St. Croix's airport. Grenada is considering a U.S. request to host temporary radar equipment and personnel at Maurice Bishop International Airport. The government is still weighing technical and safety concerns, and the decision is complicated by the 1983 U.S. invasion and the airport's symbolic significance. Colombia remains the strongest partner, working closely with the United States on counter-narcotics, sanctions enforcement, and intelligence sharing, while also coordinating policy on the region's largest population of Venezuelan refugees. Paraguay and Uruguay consistently vote with Washington at the OAS to isolate Maduro and support democratic transition efforts. Ecuador works with the United States on organized crime, Venezuelan gang activity, and sanctions evasion, and has been publicly critical of the regime.  Maduro's remaining allies in the region are Cuba and Nicaragua, but neither is positioned to provide meaningful assistance. Cuba publicly supports Venezuela but is facing a severe economic crisis and avoids committing to any response if the United States takes military action  source: thegatewaypundit.com  https://twitter.com/DC_Draino/status/1995595335771836726?s=20 https://twitter.com/DC_Draino/status/1995682004151783727?s=20 New York Times Catches Washington Post Red-Handed Defaming Pete Hegseth as a ‘War Criminal' Regarding Previous Strike on Narcotrafficking Boats – Reveals Full Story Behind Attack  The narrative regarding Secretary of War Pete Hegseth ordering the killing of survivors in a boat attack in the Caribbean has officially been debunked by a highly unlikely source, which revealed the full story behind the attack. Source:thegatewaypundit.com https://twitter.com/SeanParnellUSA/status/1995674824715501844?s=20 https://twitter.com/JDVance/status/1995883027881144762?s=20   countless “anonymous” leaks meant to undermine him and thwart President Trump and other Realists in the Administration. Bogus story after bogus story. It's the same tired playbook. And for their next act? —They want him tried for war crimes. Yep—war crimes. They intend to prosecute another political opponent. They have lost it. Congressional Democrats are fueled by a radicalized Leftist base and are hellbent on power. The rules don't matter to them. At all. Sound familiar? Russiagate, Dem censorship, Covid tyranny, Dem weaponization of DOJ TO MY FELLOW REPUBLICANS: Understand this reality and never bend the knee to this bullshit. Fight back. The liberal media will never love you. If Europe wants a war, we are ready to fight now, says Vladimir Putin   Putin Says ‘Ready For War’ Against Europe If Attacks On Russian Tankers, Energy Continue   Europe, which has been largely sidelined when it comes to the US peace plan version, Putin is angry. He denounced a recent series of drone strikes on oil and gas tankers carrying Russian energy exports acts of “piracy”. He also on Tuesday made clear that European demands related to Moscow are not at all acceptable, suggesting that they are by intention an effort to prod and anger Russia. He said that “Europe only proposes unacceptable demands,” according to Interfax. “They are on the side of war,” he said of the Europeans. “Russia has no intention of going to war with European countries. But if Europe wants war Russia is ready” – Putin has told journalists before meeting Witkoff and Kushner. https://twitter.com/clashreport/status/1995873487806751007?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1995873487806751007%7Ctwgr%5Ebba698f8622537fd3d54c6bdae932a981c0c754e%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.zerohedge.com%2Fgeopolitical%2Fputin-threatens-ready-war-against-europe-if-attacks-russian-tankers-energy-continue *  Source: zerohedge.com https://twitter.com/BRICSinfo/status/1995883653524848869?s=20 Trump's Push to End the Ukraine War Is Sowing Fresh Fear About NATO's Future This week will bring a split screen that will reinforce growing doubts in Europe about the American commitment to the alliance that has served as the bedrock of Western unity since the end of World War II. On one side, White House special envoy Steve Witkoff will be in Moscow for the latest round of peace talks with the Kremlin over the Ukraine war. Witkoff, who has yet to visit Ukraine, is making his sixth trip to Moscow this year. Source: wsj.com Medical/False Flags https://twitter.com/tracybeanz/status/1995856194779402737?s=20  . Why is this? False Alarms: Rethinking Breast Cancer Screening https://twitter.com/disclosetv/status/1995887210965729768?s=20 [DS] Agenda  https://twitter.com/SecDuffy/status/1995649610488914054?s=20   fix this or lose $30 million in federal funding  https://twitter.com/SecScottBessent/status/1995615377284628908?s=20 @POTUS @realDonaldTrump , we are acting fast to ensure Americans' taxes are not funding acts of global terror. We will share our findings as our investigation continues. “President Trump is Threatening to Kill Me!” – Dem Senator Mark Kelly Goes on Insane Rant During Presser on ‘Pentagon Intimidation' (VIDEO) Democrat Senator Mark Kelly claimed Trump threatened to kill him during a press conference on ‘Pentagon intimidation' on Monday. Mark Kelly is one of the ‘Seditious Six' Democrat lawmakers who urged members of the military to defy Trump's orders. Source: thegatewaypundit.com https://twitter.com/amuse/status/1995606715190890968?s=20   run a foreign influence operation targeting the very government his twin serves in. United24, created by Ukraine's Ministry of Digital Transformation using a USAID-funded infrastructure, appointed Scott Kelly, Senator Mark Kelly’s twin brother, as its ambassador to help raise money for the propaganda outlet. Since then it has raised $2.72 billion, much of it routed quietly via cryptocurrency. United24 produces coordinated messaging marketed as “fact-checking” and “anti-corruption efforts,” but in practice operates as a state propaganda engine shaping US public opinion and Congressional support for Ukraine's war. JUST IN: Schumer Claims Three of His New York Offices Received “MAGA” Bomb Threats (VIDEO)  Senate Minority Leader Chuck Schumer on Monday claimed three of his offices received “MAGA” bomb threats.   Schumer said he was informed that his offices received the threats from emails with the subject line ‘MAGA' from an email address claiming the ‘2020 election was rigged.' https://twitter.com/tararosenblum/status/1995601284892971273?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1995601284892971273%7Ctwgr%5Ec0381dd15615388f5e8a8ba9d4cced6b8217b451%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fschumer-claims-three-his-new-york-offices-received%2F Source: thegatewaypundit.com https://twitter.com/TonySeruga/status/1995838817975370228?s=20   Scott Kelly (Ukrainian President Volodymyr Zelensky appointed Mark Kelly's twin brother, Scott Kelly as an ambassador for Ukraine’s official fundraising platform, UNITED24) to leak ‘stories’ to the media and undermine Secretary Hegseth. https://twitter.com/TonySeruga/status/1995847809627766919?s=20   Nuland, Samantha Power, Lisa Monaco, and Susan Rice. https://twitter.com/TonySeruga/status/1946588339488038984?s=20 minutes to the Obama's War Room residence, sight unseen. President Trump's Plan https://twitter.com/nicksortor/status/1995914978730144246?s=20  and will begin to stop moving federal funds into those states until they comply.” https:/twitter.com/amuse/status/1995847602743439722?s=20 Amuse: LAWFARE: Trump just removed another 8 pro-illegal immigration judges in Manhattan, 90 fired so far as he restores rule of law to the immigration courts. On December 1, the Trump administration dismissed eight immigration judges at 26 Federal Plaza in Manhattan for patterns of excessive asylum approvals, refusal to enforce statutory standards and unmanageable processing delays. This brings Trump's total removals to 90 judges nationwide. The administration says the effort is necessary to dismantle the pipeline of activist judges who reward illegal entry with near-automatic asylum approvals. Conservatives call it long-overdue accountability; opponents concede the judges had serious performance issues. https://twitter.com/DC_Draino/status/1995586287064039445?s=20   witnessing a Judicial Insurrection. BREAKING: DOJ to Hit Comey, Letitia James with New Indictments As Soon as This Week The DOJ is seeking new indictments against James Comey and Letitia James after a Clinton judge dismissed both of their cases last week. A grand jury in the Eastern District of Virginia indicted former FBI Director James Comey in September. He was indicted on two counts – false statements and obstruction of a congressional proceeding. New York Attorney General Letitia James was indicted by a federal grand jury in the Eastern District of Virginia last month. Source: thegatewaypundit.com https://twitter.com/amuse/status/1995886116356968591?s=20   grip on power. Democrats tried to block all three from serving. When that failed, they turned to nonstop “anonymous sources,” fake jacket stories, bogus intelligence leaks, and now a desperate push to prosecute Hegseth for imaginary war crimes. Their radicalized base demands a new Russiagate every month, and congressional Democrats are delivering, rules be damned. This is the same machinery that fueled censorship, Covid authoritarianism, and DOJ abuse. The only response: refuse to bow. https://twitter.com/nicksortor/status/1995623545377096023?s=20    Trump is back to pushing for the Senate to terminate the filibuster.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Upcoming Election in Honduras. Mary Anastasia O'Grady discusses Honduran fears that the current left-wing party, allied with Venezuela and Cuba, will attempt to steal the upcoming election. This follows a playbook where elected leaders consolidate power by seizing control of institutions like the military and courts to avoid subsequent fair elections. The OAS and US State Department have issued warnings against election theft. Guest: Mary Anastasia O'Grady. 1890

SHOW 11-20-2025 CBS EYE ON THE WORLD WITH JOHN BATCHELOR THE SHOW BEGINS IN THE DOUBTS ABOUT PEACE IN EUROPE.. FIRST HOUR 9-915 Ukraine Envoy Keith Kellogg Quits After Plan for US Peace Leaked. Anatol Lieven discusses a leaked Ukraine peace plan involving potential US legal recognition of Russian annexation of Donbass and Crimea, which would pave the way for lifting US sanctions. The plan requires Ukraine to yield the remaining Donbass slice and accept limits on its army size, although Ukraine is not required to formally agree. Guest: Anatol Lieven. 915-930 continued 930-945 Professor George Is Right: Principle Sustains American Conservatism. Peter Berkowitz reviews Professor Robert George's assertion that American conservatism's core principle is the profound, inherent, and equal dignity of each human family member. George insisted that the movement must unequivocally reject white supremacists and anti-Semites, a rebuke directed at the Heritage Foundation president's defense of Tucker Carlson. This mirrors William F. Buckley's efforts to purge extremism from conservatism. Guest: Peter Berkowitz. 945-1000 US Adds 119,000 Jobs in September, but Unemployment Hits Four-Year Peak. Chris Regal discusses consumer liquidity challenges alongside the early impacts of AI on the workforce. AI is currently displacing white-collar jobs like consulting, but physical displacement via robotics is coming. He notes concerns about an AI investment bubble but affirms confidence in major companies like Amazon and Microsoft. Guest: Chris Regal. SECOND HOUR 10-1015 Upcoming Election in Honduras. Mary Anastasia O'Grady discusses Honduran fears that the current left-wing party, allied with Venezuela and Cuba, will attempt to steal the upcoming election. This follows a playbook where elected leaders consolidate power by seizing control of institutions like the military and courts to avoid subsequent fair elections. The OAS and US State Department have issued warnings against election theft. Guest: Mary Anastasia O'Grady. 1015-1030 Russia's Slowing Wartime Economy Pushes Kremlin to Increase Taxes and Fees. Michael Bernstam analyzes Russia's economic stagnation due to war expenditure and shortages, leading the Kremlin to raise taxes, including the VAT, to close the budget gap. Sanctions are biting deep, forcing Russia to offer huge discounts—up to $38 per barrel—to its primary oil customers: India, China, and Turkey. Guest: Michael Bernstam. 1030-1045 Launch of Blue Origin's New Glenn Rocket. Eric Berger describes the successful second launch and booster landing of Blue Origin's New Glenn rocket as thrilling and a huge step forward. New Glenn is the world's third largest rocket and is crucial for Amazon's LEO constellation and NASA's Artemis moon program. Berger also supports Jared Isaacman's nomination to lead NASA. Guest: Eric Berger. 1045-1100 THIRD HOUR 1100-1115 Autocrats Versus Democrats: China, Russia, America, and the New Global Disorder. Michael McFaul analyzes the Cold War, noting that the Cuban Missile Crisis taught the need for crisis management mechanisms with adversaries. He argues that the US was too complacent, first when engaging China after Tiananmen Square without stressing values, and later when failing to invest politically and economically to consolidate democracy in post-Soviet Russia. Guest: Michael McFaul. 1115-1130 1130-1145 1145-1200 FOURTH HOUR 12-1215 The New World Report. Professor Evan Ellis discusses increased US attention to the Americas, citing the Monroe Doctrine and the risks of intervention in Venezuela. He emphasizes that narco-terror is a complex criminal economy troubling the region. The conversation also highlights rightward political movements and citizen frustration with insecurity and violence in Chile, Ecuador, and Peru. Guest: Professor Evan Ellis. 1215-1230 1230-1245 1245-100 AM

SHOW 11-4-25 CBS EYE ON THE WORLD WITH JOHN BATCHELOR 18865 PUBLISHER ROW THE SHOW BEGINS IN THE DOUBTS ABOUT NEW YORK CITY AND LONDON. FIRST HOUR 9-915 Economic Policy and China Trade. Elizabeth Peek discusses the US economy, where Treasury Secretary Bessent asserts that housing is in recession due to high Federal Reserve rates. Peek argues that lower rates are needed to "unstick" the housing market. The Fed, led by Jay Powell, is fixated on inflation, though Peek questions his rationale regarding tariffs and labor demand. The conversation also covers the Trump-Xi meeting, which was anticlimactic, postponing confrontation for a year. Key concessions included China relenting on rare earth exports and American soybean boycotts. 915-930 Economic Policy and China Trade. Elizabeth Peek discusses the US economy, where Treasury Secretary Bessent asser 930-945 The Far Right in Europe and German Rearmament. Judy Dempsey examines the rise of Europe's far right, noting that while they succeed in complaining, they often struggle to govern, exe. 945-1000 The Far Right in Europe and German Rearmament. Judy Dempsey examines the rise of Europe's far right, noting that while they succeed in complaining, they often struggle to govern, exemplified by t. SECOND HOUR 1245-100 AM Nigeria, Venezuela Intervention, and China Power Struggles. Gregory Copley discusses Trump's order for military action in Nigeria, noting the violence is complex and not strictly genocide against Christians, contrasting it with US refusal to provide past aid. Discussion shifts to the overwhelming US military buildup near Venezuela, which might force Maduro's departure by damaging his credibility, possibly via anti-narcotics action. The interview concludes by analyzing the anticlimactic Trump-Xi meeting, attributing the lack of confrontation to Xi Jinping's significantly weakened position due to China's shattered economy and internal power struggles. SHOW 11-4-25 CBS EYE ON THE WORLD WITH JOHN BATCHELOR THE SHOW BEGINS IN THE DOUBTS ABOUT NEW YORK CITY AND LONDON. FIRST HOUR 9-915 Economic Policy and China Trade. Elizabeth Peek discusses the US economy, where Treasury Secretary Bessent asserts that housing is in recession due to high Federal Reserve rates. Peek argues that lower rates are needed to "unstick" the housing market. The Fed, led by Jay Powell, is fixated on inflation, though Peek questions his rationale regarding tariffs and labor demand. The conversation also covers the Trump-Xi meeting, which was anticlimactic, postponing confrontation for a year. Key concessions included China relenting on rare earth exports and American soybean boycotts. 915-930 Economic Policy and China Trade. Elizabeth Peek discusses the US economy, where Treasury . 930-945 The Far Right in Europe and German Rearmament. Judy Dempsey examines the rise of Europe's far right, noting that while they succeed in complaining, they often struggle to govern, exemplified by the AfD's lack of concrete policies. Hungary's Viktor Orbán, though long-ruling, now faces popular pressure. Dempsey highlights Italy's Giorgia Meloni as an exception who has successfully governed by clearly communicating her reform agenda. She confirms that Russia supports destabilizing far-right movements across Europe, particularly hoping for an AfD win. Additionally, Germany's Chancellor Merz is committed to redeveloping the military and infrastructure for NATO defense. 945-1000 The Far Right in Europe and German Rearmament. Judy Dempsey examines the rise of Europe's far right, noting that while they succeed in complaining, they often struggle to govern, exemplified by the AfD's lack of concrete policies. Hungary's Viktor Orbán, though long-ruling, now faces popular pressure. Dempsey highlights Italy's Giorgia Meloni as an exception who has successfully governed by clearly communicating her reform agenda. She confirms that Russia supports destabilizing far-right movements across Europe, particularly hoping for an AfD win. Additionally, Germany's Chancellor Merz is committed to redeveloping the military and infrastructure for NATO defense. SECOND HOUR 10-1015 Venezuela Pressure Campaign and Asian Diplomacy. Mary Kissel analyzes the massive US military buildup near Venezuela, staged from Roosevelt Roads, noting that the Trump administration prioritizes removing Maduro due to national security threats. She emphasizes that the State Department possesses numerous non-military levers, like sanctions and international pressure through the OAS, to induce Maduro's exit without direct intervention. Kissel also characterizes President Trump's diplomatic engagement at ASEAN and APEC as very successful, securing vital commitments on rare earth mining and processing to counter Chinese economic threats in the Pacific. 1015-1030 Venezuela Pressure Campaign and Asian Diplomacy. Mary Kissel analyzes the massive US military buildup near Venezuela, staged from Roosevelt Roads, noting that the Trump administration prioritizes removing Maduro due to national security threats. She emphasizes that the State Department possesses numerous non-military levers, like sanctions and international pressure through the OAS, to induce Maduro's exit without direct intervention. Kissel also characterizes President Trump's diplomatic engagement at ASEAN and APEC as very successful, securing vital commitments on rare earth mining and processing to counter Chinese economic threats in the Pacific. 1030-1045 Hamas Leverage, Gaza Ruin, and Hezbollah Rearmament. Jonathan Schanzer explains that Hamas is stalling hostage releases to maintain leverage, banking on Israel's lack of "strategic patience" for indefinite occupation. He explores the idea of a "Tale of Two Gazas," where Israel controls 53% and Hamas 47%, warning that reconstruction aid is improbable if Hamas remains in power. He highlights growing dangers, including the rearming of Hezbollah by Iran and unexpectedly Turkey, forcing Israel to reconsider the northern front. He adds that the Israeli military is actively engaged in "constant gardening" to address armed gangs in the West Bank. 1045-1100 Hamas Leverage, Gaza Ruin, and Hezbollah Rearmament. Jonathan Schanzer explains that Hamas is stalling hostage releases to maintain leverage, banking on Israel's lack of "strategic patience" for indefinite occupation. He explores the idea of a "Tale of Two Gazas," where Israel controls 53% and Hamas 47%, warning that reconstruction aid is improbable if Hamas remains in power. He highlights growing dangers, including the rearming of Hezbollah by Iran and unexpectedly Turkey, forcing Israel to reconsider the northern front. He adds that the Israeli military is actively engaged in "constant gardening" to address armed gangs in the West Bank. THIRD HOUR 1100-1115 The Rise of Extremist Politics in the US and UK. Joseph Sternberg analyzes the rise of extreme political figures like New York mayoral candidate Zohran Mamdani, warning conservatives that opponents' political mistak 1115-1130 The Rise of Extremist Politics in the US and UK. Joseph Sternberg analyzes the rise of extreme political figures like New York mayoral candidate Zohran Mamdani, warning conservatives that opponents' political mistakes do not guarantee their success, citing the UK's Jeremy Corbyn as a parallel. He notes that frustrated voters seek "sledgehammers" on both the left and right. In the UK, he details how Chancellor Rachel Reeves and the Labour government are suffering plummeting approval due to economic mismanagement, forcing tax hikes and breaking promises, benefiting Nigel Farage's Reform UK party. 1130-1145 Nuclear Testing, Venezuela Buildup, and Gaza Occupation. Colonel Jeff McCausland criticizes Secretary Hegseth's suggestion that resuming nuclear testing would make nuclear war "less likely," noting that the US deterrent is already credible and testing would destabilize adversaries. He highlights the excessive US military buildup near Venezuela, questioning the post-intervention mission, referencing the "Pottery Barn theory." Regarding Gaza, he suggests the potential creation of "two Gazas" leads to an indefinite, burdensome Israeli occupation and creates a breeding ground for future insurgency. 1145-1200 Nuclear Testing, Venezuela Buildup, and Gaza Occupation. Colonel Jeff McCausland criticizes Secretary Hegseth's suggestion that resuming nuclear testing would make nuclear war "less likely," noting that the US deterrent is already credible and testing would destabilize adversaries. He highlights the excessive US military buildup near Venezuela, questioning the post-intervention mission, referencing the "Pottery Barn theory." Regarding Gaza, he suggests the potential creation of "two Gazas" leads to an indefinite, burdensome Israeli occupation and creates a breeding ground for future insurgency. FOURTH HOUR 12-1215 Nigeria, Venezuela Intervention, and China Power Struggles. Gregory Copley discusses Trump's order for military action in Nige. 1215-1230 Nigeria, Venezuela Intervention, and China Power Struggles. Gregory Copley discusses Trump's order for military  1230-1245 Nigeria, Venezuela Intervention, and China Power Struggles. Gregory Copley discusses Trump's order for military action in Nigeria, noting the violence is complex and not strictly genocide against Christians, contrasting it with US refusal to provide past aid. Discussion shifts to the overwhelming US military buildup near Venezuela, which might force Maduro's departure by damaging his credibility, possibly via anti-narcotics action. The interview concludes by analyzing the anticlimactic Trump-Xi meeting, attributing the lack of confrontation to Xi Jinping's significantly weakened position due to China's shattered economy and internal power struggles. 1245-100 AM Nigeria, Venezuela Intervention, and China Power Struggles. Gregory Copley d

Venezuela Pressure Campaign and Asian Diplomacy. Mary Kissel analyzes the massive US military buildup near Venezuela, staged from Roosevelt Roads, noting that the Trump administration prioritizes removing Maduro due to national security threats. She emphasizes that the State Department possesses numerous non-military levers, like sanctions and international pressure through the OAS, to induce Maduro's exit without direct intervention. Kissel also characterizes President Trump's diplomatic engagement at ASEAN and APEC as very successful, securing vital commitments on rare earth mining and processing to counter Chinese economic threats in the Pacific. 1876 BOLIVAR ENTERS CARACAS

Venezuela Pressure Campaign and Asian Diplomacy. Mary Kissel analyzes the massive US military buildup near Venezuela, staged from Roosevelt Roads, noting that the Trump administration prioritizes removing Maduro due to national security threats. She emphasizes that the State Department possesses numerous non-military levers, like sanctions and international pressure through the OAS, to induce Maduro's exit without direct intervention. Kissel also characterizes President Trump's diplomatic engagement at ASEAN and APEC as very successful, securing vital commitments on rare earth mining and processing to counter Chinese economic threats in the Pacific.

The National Security Hour with Col. Mike and Dr. Mike – U.S. plans to strike Venezuela stall when a naval ship fails to pass through the Panama Canal. Washington rejects a favorable oil and minerals deal while pushing regime change efforts. Maduro faces offers of exile, the OAS steps in, and U.S. policy repeats costly failures, highlighting deep flaws in America's long-standing approach to foreign intervention...

OAS: BRAZIL SEEKING TO TILT THE OAS TOWARD ALLY PRC. MARY ANASTASIA O'GRADY 10-23-1962 OAS

SHOW SCHEDULE  6-26-25 GOOD EVENING: The show begins in Canada where the government much disdains Tehran's conduct... 1920 CBS EYE ON THE WORLD WITH JOHN BATCHELOR FIRST HOUR 9:00-9:15 Canada: Decrying Tehran via the Italian Embassy. Conrad Black, National Post 9:15-9:30 PRC: "Underwhelming" performance by Xi and his favorites. Chris Riegel. #ScalaReport: Chris Riegel CEO, Scala.com @stratacache. 9:30-9:45 Energy: Pipeline politics in New York State. Richard Epstein, Civitas Institute 9:45-10:00 Energy: Pipeline politics in New York State. Richard Epstein, Civitas Institute continued SECOND HOUR 10:00-10:15 Israel recovery with successes. Jonathan Conricus, Malcolm Hoenlein. Malcolm Hoenlein @conf_of_pres @mhoenlein1 10:15-10:30 Iran: The ethnics hold back. Brenda Shaffer, author "Iran Is More Than Persia" 10:30-10:45 Iran: Goals for the negotiations. Dennis Ross, Washington Institute. Malcolm Hoenlein @conf_of_pres @mhoenlein1 10:45-11:00 Israel security for the American synagogues and schools. Malcolm Hoenlein @conf_of_pres @mhoenlein1 THIRD HOUR 11:00-11:15 Nukes: The path to atomic weapons is atomic power. Henry Sokolski, NPEC 11:15-11:30 OAS: Brazil seeking to tilt the OAS toward ally PRC. Mary Anastasia O'Grady 11:30-11:45 SpaceX: Mexico points to debris on the beach. Bob Zimmerman behindtheblack.com 11:45-12:00 Moon: Search for water in the polar craters continues. Bob Zimmerman behindtheblack.com FOURTH HOUR 12:00-12:15 #NewWorldReport: Iran in the Americas. Latin American Research Professor Evan Ellis, U.S. Army War College Strategic Studies Institute. @revanellis #NewWorldReportEllis 12:15-12:30 #NewWorldReport: The adversaries. Latin American Research Professor Evan Ellis, U.S. Army War College Strategic Studies Institute. @revanellis #NewWorldReportEllis 12:30-12:45 #NewWorldReport: BRICS in Rio. Latin American Research Professor Evan Ellis, U.S. Army War College Strategic Studies Institute. @revanellis #NewWorldReportEllis 12:45-1:00 AM #NewWorldReport: Argentina is the good news. Latin American Research Professor Evan Ellis, U.S. Army War College Strategic Studies Institute. @revanellis #NewWorldReportEllis

PREVIEW: Colleague Mary Anastasia O'Grady of WSJ frames the vote in the OAS that will either favor Brazil and the PRC or the US and democratic states. More. 1647