Podcasts about part d

The Friday Five for June 5, 2026: Certification Reminder Pod Rec: Before Breakfast TRICARE Resources for Agents Clover Health Star Ratings 2027 MA and Part D Max Commissions   Get Connected:

In Episode 136 of DC EKG, Joe Grogan hosts Tom Barker, a top drug-pricing attorney at Foley Hoag and former acting general counsel of Health and Human Services (HHS) under the Bush administration. Tom helped implement Medicare Part D and now advises drugmakers and policymakers on complex pricing issues. The episode traces 20 years of policy: what went right with Part D, what the Inflation Reduction Act (IRA) did, and what effective policy should look like.Tom explains that Part D's success rested on three pillars: private plans only, limited government control over benefit design, and a non-interference clause barring the government from intervening in negotiations among plans, pharmacies, and manufacturers. Competition worked and premiums stayed low, until the government asserted more control and weakened those pillars. The IRA, he argues, was a 16-year Democratic effort to repeal non-interference, creating price controls disguised as negotiations.The Trump administration has taken a different tack, focusing not on the IRA but on MFN and Globe Guard models pegged to other developed countries. Tom also breaks down the 340B program, now the country's second-largest expenditure program, and the fight between manufacturers and covered entities over contract pharmacies.His prescription is simple: let competition work. Speed FDA approval of generics and biosimilars, and trust the marketplace over price controls. He points to hepatitis C, where prices fell sharply once competition entered.In This ConversationThe three pillars that made Part D successful for 20 yearsHow non-interference kept government from setting drug pricesThe IRA as a 16-year Democratic push to repeal non-interferenceWhy Tom calls the IRA price controls disguised as negotiationsThe Trump administration's focus on MFN and Globe Guard pricing340B and the battle between manufacturers and covered entitiesThe Chevron repeal's impact on drug pricing lawHRSA's proposed rebate model and ongoing 340B litigationWhy effective policy means competition, not controlsTom's work helping North Korean defectors and refugeesKey Timestamps1:51 Tom's background at HHS and CMS2:30 The three pillars of Part D's success5:10 Why Democrats wanted to repeal non-interference5:55 Ted Kennedy's compromise and bipartisan votes11:38 The IRA as a 16-year repeal attempt12:03 What the IRA changed in Part D15:02 IRA negotiations vs. real negotiations16:25 How the excise tax makes it no real negotiation21:32 Trump's focus on MFN and Globe Guard25:37 340B's history back to 199128:45 340B as the second-biggest expenditure program29:30 Manufacturer vs. covered-entity acrimony33:18 The Chevron repeal's impact on pricing34:54 HRSA's rebate model, the next step on 340B35:40 The lawsuit over "patient" in 340B38:18 Tom's advice: let competition work39:30 Hepatitis C: competition drives prices down40:34 Competition for gene therapies and CRISPR41:36 Tom's work for North Korean defectors44:49 Sponsoring Free North Korea RadioMedicare Part D, drug pricing policy, Inflation Reduction Act, non-interference clause, 340B program, MFN pricing, Globe Guard pricing, pharmacy benefit managers, covered entities, contract pharmacies, biosimilars, generics, federal drug pricing, government price controls, Tom BarkerAbout the GuestTom Barker is a partner at Foley Hoag in Washington, DC, and one of the country's top drug pricing attorneys. He served as acting general counsel of HHS and chief legal officer at CMS under the Bush administration, where he helped implement Part D from its inception. He is now a go-to expert on drug pricing, and helps North Korean defectors navigate US immigration law.Podcast: DC EKG with Joe Grogan Episode: 136 Guest: Tom Barker Sponsor: Survivors for Solutions - https://survivorsforsolutions.org Executive Producer: John "CZ" Czwartacki, DC EKG Podcast Producer: Stay on Course Studios - https://www.stayoncourse.studio

Championne de France du marathon pour la 3e fois il y a quelques semaines, Anaïs Quemener a basculé à plein temps dans le haut niveau. Au micro de Benoit Boutron et Yohan Durand, elle détaille sa transition (80 à 140 km/semaine), l'impact du sommeil, le run poussette, la reprise du renfo et la stratégie pour retrouver vitesse et confiance. Peut-on revenir au plus haut niveau après une grossesse ? Comment concilier vie de maman, entraînement de marathonienne et nouveau statut d'athlète professionnelle ? Grâce à son "nouvelle vie", Anaïs Quemener dévoile ses grandes ambitions, à commencer par briser la barre du sub 2h30.  Dans le bon plan matos, tente de remporter ton cycliste de running avec des multiples poches de la marque "annsoavocado-brand". Rendez-vous sur Instagram !

MEDICARE ADVANTAGE MINUTE:                                                           MEDICARE IS INCREASING OVERSIGHT OF MEDICARE ADVANTAGE PLANS; HERE IS WHAT THAT MEANS FOR SENIORS! ACCORDING TO TELOS ACTUARIAL, THE MEDICARE SUPPLEMENT MARKET IS RETURNING TO GROWTH MODE. AS AMERICA GROWS OLDER, TRUMP Rx DELIVERS. ANTHEM/ELEVANCE PLANS TO PENALIZE IN-NETWORK HOSPITALS. DAVID HAS PDP QUESTIONS AFTER SUBMITTING HIS DRUG LIST AS INSTRUCTED AND SEEING NOTHING HAPPENING! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE ENROLLMENT GUIDE" - DOWNLOAD FREE "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" ....AND A PODCAST! @ DBJ@M4TLM.com W medicareforthelazyman.com T (630) 878-5055   Review Us On Google   For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

This is Part D of D of Undressing Jack the Stripper, an eight part series made in conjunction with the True Crime Enthusiast podcast.From the late 1950s to the mid-1960s, the bodies of eight sex-workers (Elizabeth Figg, Gwynneth Rees, Hannah Tailford, Irene Lockwood, Helen Barthelemy, Mary Fleming, Margaret McGowan and Bridget O'Hara) were found dumped in or near the River Thames in West London.Panic spread that a sadistic serial killer was on the loose who targeted young petite brunettes; stripped and strangled them, dumped each body within weeks and streets of each other. Yet with not a single witness to his crimes, even though several suspects have since been named, with no convictions, it's a series of killing which remains a mystery to this day.After the success of their ten-part series, Psychopath: Two Side of Patrick MacKay, Mike at Murder Mile and Paul at the True Crime Enthusiast join forces once again to bring you an eight-part crossover series about one of Britain's most infamous unsolved serial killing – Jack the Stripper.This episode is about Helen Barthelemy & Mary Fleming.Location: Civil Defence Building, Hornton Street, Kensington, London, W8Date: Wednesday 25th of November 1964 at 1:30pm (body found)Victims: Margaret McGowan Location: Heron Trading Estate in Acton, West London, London, W3Date: Tuesday 16th of February 1965 (body found)Victims: Bridget O'HaraSeven time nominated at the True Crime Awards, Independent Podcast Awards and the British Podcast Awards, Murder Mile is one of the best UK / British true crime podcasts covering only 20 square miles of West London. It is researched, written and performed by Michael of Murder Mile UK True Crime Podcast with the main musical themes written and performed by Erik Stein and Jon Boux of Cult With No Name and additional music, as used under the Creative Commons License 4.0. A full listing of tracks used and a full transcript for each episode is listed here and a legal disclaimer.Sorry, but the ALWAYS TRUE CRIME CROSSOVER at Crossed Wires Festival has been cancelled due to poor ticket sales. You should have received a full refund from your ticket purchaser, but if you have any problems, let me know, and I can try and put you in touch with right people. Sorry for the inconvenience. Follow me on SOCIAL MEDIA · Instagram· FaceBook· ThreadsSUBSCRIBE via PatreonSupport this show http://supporter.acast.com/murdermile. Hosted on Acast. See acast.com/privacy for more information.

This episode features an edited recording of our CMS Final Notice webinar, offering timely insights into 2027 Medicare Advantage and Part D changes. Hear from Via Benefits experts as they break down MA payment updates, funding pressures, and evolving plan design strategies. Learn how CMS policies, Inflation Reduction Act provisions, and rising healthcare costs are shaping both group and individual Medicare markets. The discussion also explores what these changes mean for plan sponsors evaluating retiree benefits and long-term cost management.

Retirement planning extends well beyond simply saving enough during your working years—it plays out with every decision you make once you stop working. One crucial, sometimes overlooked, aspect is managing Required Minimum Distributions (RMDs) from your retirement accounts. If you have a retirement account approaching your RMD age, this episode breaks down the essential rules based on your birth year, how to calculate your distribution using the IRS tables, and key tax implications to keep in mind. You'll also get actionable tips to help minimize your future RMDs, from optimizing your income plan and leveraging Roth conversions to using qualified charitable distributions.    You will want to hear this episode if you are interested in... [00:00] RMD rules and calculations [05:10] RMDs and distribution timing [09:03] Retirement accounts and RMD rules [14:22] Tax strategies for retirement planning [17:00] Common RMD mistakes and solutions [19:21] Proper charitable distribution process   What Are Required Minimum Distributions (RMDs)? RMDs are the minimum amounts you must withdraw annually from certain retirement accounts starting at a specific age, as mandated by the IRS. These distributions apply to traditional IRAs, rollover IRAs, SIMPLE IRAs, SEP IRAs, 401(k)s, 403(b)s, 457 plans, and profit-sharing plans. Importantly, Roth IRAs and Roth 401(k)s are exempt from RMDs, and regular taxable investment accounts are not impacted.   The required age for beginning RMDs now depends on your birth year: If you were born between January 1, 1951, and December 31, 1959, RMDs start at age 73. If born on January 1, 1960, or later, RMDs begin at age 75. Tax Implications of RMDs RMDs are taxed as ordinary income. If you're not careful, withdrawals can bump you into a higher tax bracket, increase how much of your Social Security is taxable, or trigger additional Medicare Part B and Part D premiums due to IRMAA. Failing to withdraw the required amount carries a steep penalty—25%, reduced to 10% if corrected within two years.   Strategies to Lower Your RMDs Don't put all your savings in pre-tax accounts. Split between traditional and Roth accounts or invest some in taxable brokerage accounts, which aren't subject to RMDs. It can be useful to collaborate with a financial advisor to create a withdrawal strategy that minimizes taxes by pulling funds strategically from different account types. You can also convert portions of your pre-tax accounts to Roth IRAs in years when your income (and tax bracket) is lower, helping "fill the bucket" at the lowest rates. If you retire early, delaying Social Security until age 70 increases your benefit and can create years of low taxable income—perfect for executing Roth conversions. If you're 70½ or older, you can also donate up to $100,000 per year directly from your IRA to a qualified charity. These gifts count toward your RMD but are excluded from taxable income.   Enjoying a Comfortable Retirement Navigating RMDs isn't just about following IRS rules—it's an ongoing strategy to keep your taxes low and your retirement income steady. By understanding your obligations and using the available tools, you can maximize your retirement savings and create a more secure future. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

C'est un chapitre d'une décennie qui s'achève en Premier League. Cette après-midi, Pep Guardiola dirigera son dernier match à la tête de Manchester City. Vendredi dernier, le club mancunien a annoncé, dans un communiqué, le départ de son génial entraineur catalan, qui aura remporté vingt trophées en dix saisons à la tête du club, qu'il dirigeait depuis 2016.Guardiola a marqué les citizens mais son passage aura plus largement bouleversé tout le football anglais. Quel héritage laisse-t-il derrière lui ? Ou le situer dans l'histoire des légendaires manager de Premier League ? Comment Manchester City peut s'en remettre ? Quel avenir pour Pep ?Ce podcast est hébergé par Podcastics, la plateforme pour créer et diffuser votre podcast facilement.

Jim and Chris discuss listener emails on Social Security spousal benefits, portfolio withdrawal strategy for early retirement, HSA and Medicare premiums, the 4% rule, Roth self-employed 401(k)s, Roth conversions, and retirement trusts. (10:45) A listener asks whether her husband claiming Social Security on his own record before she files at 70, including as early as 62, would reduce his eventual spousal benefit, and in what circumstances an earlier filing might make sense for them. (20:45) She also asks how to structure her portfolio to cover a seven-year income gap before Social Security begins and fund a potential home purchase at retirement. (46:15) George and Georgette want to know which Medicare-related costs – IRMAA surcharges, Part D, and supplemental insurance – qualify for HSA reimbursement, and whether they can apply HSA funds retroactively to prior-year premiums. (54:30) The guys address the idea that money reimbursed from an HSA isn’t restricted to medical use, so saving receipts over the years can turn an HSA into a source of tax-free cash for virtually any expense. (1:01:15) A listener compares the 4% rule to Newton’s laws of motion – foundational but not the final word – and describing how he’s combining that framework with their retirement income approach for his own long-range planning. (1:08:30) Jim and Chris share a listener’s PSA that Fidelity began offering a Roth self-employed 401(k) in 2025, in response to a question from a recent episode. (1:11:30) One listener pushes back on the idea that Roth conversions only make sense at a lower tax bracket, walking through a math example to show that tax-free compounding can make converting at the same — or even a higher — bracket financially worthwhile. (1:17:45) George has structured his IRA with a testamentary trust for a financially irresponsible adult child and asks whether a “retirement trust”, could allow the trust to receive IRA assets without the compressed tax rates that typically apply to trusts. The post Social Security, Withdrawal Strategy, HSAs, 4% Rule, Roths, Retirement Trust: Q&A #2621 appeared first on The Retirement and IRA Show.

La 22ème édition du Tour de Côte-d'Or arrive très prochainement : les vendredi 29, samedi 30 et dimanche 31 mai. Une compétition organisée par le SCO Dijon, en partenariat avec le Département.120 coureurs avaleront les 458 kilomètres répartis en trois étapes, de plus ou moins 150 km chacune. Une équipe colombienne prendra le départ de Gilly-lès-Cîteaux, tout comme une suisse.Un budget de 100 000€ est mobilisé, a annoncé le club lors de sa présentation ce lundi 18 mai. Pour entrer en détail dans les coulisses cet évènement devenu culte, laissez-vous guide par les propos de Paul Herman, directeur du SCO Dijon.Photo : Paul Herman premier depuis la gauche, accompagné d'élus locaux, de la direction du SCO Dijon et du coureur Sacha Bergaud.

durée : 00:02:34 - Ce samedi 16 mai, la réserve du SM Caen a clos sa saison face à la réserve de Bastia. Il s'agissait du dernier match de Romain Leroux, en fin de contrat, sur le banc caennais. D'autres formateurs présents depuis longtemps au club n'ont pas vu leur contrat renouvelé. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Systems Of Defense - Part D

MEDICARE PLANNING: WHY MEDICARE COSTS MORE THAN MANY PEOPLE EXPECT  Thad Ismart, CFP®, ChFEBC, CEPS Senior Financial Planner Tessa Hall Media and Communications Specialist LAWRENCE M. POST CPA, MST, CFP®, CIMA® Senior Tax and Planning Advisor About This Episode Tessa speaks with BWFA's Larry and Thad about Medicare costs, including premium increases, prescription drug coverage, deductibles, and out-of-pocket expenses. They explain how Medicare pricing changes over time and why many individuals underestimate healthcare costs in retirement. The conversation also covers Medicare Part D plans, IRMAA income adjustments, and why comparing plans each year can help reduce unnecessary expenses. To better understand how healthcare costs fit into your broader retirement strategy, visit our Financial Planning services page. Full Description Healthcare costs play a major role in retirement planning, and Medicare expenses continue to rise each year. In this episode of Healthy, Wealthy & Wise, Tessa speaks with BWFA's Larry and Thad about Medicare costs and what individuals should understand when preparing for healthcare expenses in retirement. They explain how Medicare premiums, deductibles, and prescription drug costs have changed and why many retirees underestimate what they may pay over time. The conversation also explores IRMAA, which stands for Income-Related Monthly Adjustment Amount. Individuals with higher incomes may pay additional Medicare premiums depending on their earnings. Prescription drug coverage is another important topic. The episode highlights why reviewing Part D plans each year matters, since pricing and coverage can vary significantly between providers. The discussion also explains how insurance works from a broader planning perspective. Healthcare coverage involves balancing premiums, deductibles, and financial risk, which means different approaches may make sense depending on individual circumstances. Ultimately, understanding Medicare costs can help individuals make more informed decisions and better prepare for healthcare expenses throughout retirement.

Many retirees assume their Medicare premiums will stay consistent once they enroll. But that's not always the case, especially for higher-income individuals. In this episode, Larry Heller, CFP®, CDFA®, breaks down IRMAA, the income-related surcharge that can increase your Medicare Part B and Part D premiums based on income from two years prior. He explains how everyday financial decisions, from IRA withdrawals to capital gains and Roth conversions, can unexpectedly push you into higher premium brackets.  Larry discusses: What IRMAA is and how it impacts Medicare premiums How income from two years prior determines your current costs Common triggers like Roth conversions, property sales, and large withdrawals Strategies to potentially reduce IRMAA through proactive tax and income planning Why coordinating tax, investment, and healthcare decisions is essential in retirement And more! Resources: SSA Form 44 (to report a life-changing event and potentially reduce IRMAA) Medicare IRMAA income brackets and thresholds Connect with Larry Heller:  (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP® Heller Wealth Management is now part of Savant Wealth Management. Savant is a Registered Investment Advisor. This content is provided for informational and educational purposes only and should not be construed as personalized investment advice. Effective March 31, 2026, Heller Wealth Management joined Savant Wealth Management (“Savant”). A copy of Savant's current written disclosure Brochure discussing our advisory services and fees is available at www.savantwealth.com/disclosure-brochures/

En ce week-end de la fête des Mères, l’émotion est à son comble pour Isabelle. Elle livre un témoignage poignant sur la dualité brutale de la parentalité: la fierté de voir son fils s’envoler vers l’inconnu et la douleur du nid qui se vide.Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

In this episode, host Steve Chen sits down with Mark Miller — journalist, author, and retirement expert behind RetirementRevised.com — to unpack the biggest changes hitting Social Security and Medicare right now. Mark shares his personal experience claiming both programs, explains why “later is better” for most Social Security claimants, and breaks down the trust fund depletion risk without the fear-mongering. The conversation covers the real-world impact of DOGE-driven SSA staffing cuts, why traditional Medicare beats Medicare Advantage for most people, the landmark $2,000 Part D out-of-pocket cap, and the quiet Medicare Savings Program rollback buried in the “One Big Beautiful Bill.” Mark's no-nonsense take: understand the rules, claim strategically, and shop your Medicare coverage every single year.

Dominating Faith- Part D

The Friday Five for May 1, 2026: [00:44] Staying Caffeinated on the Road [03:26] Healthcare or Health Care? AP Stylebook Makes it Official [05:24] Spotify Spins Fitness into the Mix [08:41] Medicare Advantage Improvement Act of 2026 [12:16] CMS Update on BALANCE Model & Medicare GLP-1 Bridge   Events & Webinars for Insurance Agents   Get Connected:

More regulators are concerned about private credit  The bad news just keeps coming for the private credit industry. If you're not sure what private credit is, it is mostly middle market business loans extended by asset managers. People often don't realize that these asset managers don't have the same strict supervision that banks have on their loans. Investors may be starting to realize the risk because in the first quarter of 2026, private credit investors requested $20 billion from some of the private credit funds. Unfortunately, they only got a little bit over 50% of what they requested or about $11 billion. This could lead to higher redemption requests above $20 billion in the second quarter as more investors become disenchanted with private loan funds. The Securities Exchange Commission over the past few months has opened several enforcement investigations of large private credit managers. The Treasury department is also requesting information from private fund managers and insurance firms to understand their businesses more. The Securities Exchange Commission is the primary regulator for the private credit industry, but the private funds don't regularly disclose holdings and don't reveal much about private credit on the forms that are used by the SEC. It is quite the dilemma for these private credit funds, and I do believe it will continue to get worse because I am confident that the SEC and the Treasury department will find areas that could really hurt the individual investor due to the lack of disclosures.    Could prediction markets be available in your IRA soon?   Bitwise, Roundhill, and GraniteShares have filed applications with the SEC to launch exchange-traded funds tied to event contracts. If approved, these products could potentially be held in self-directed IRAs. The initial proposals appear relatively narrow in scope, focusing on outcomes like which party wins the White House in 2028 and which party controls the House and Senate after this year's midterm elections. While these types of products can sound appealing—and successful bets could generate strong returns—they also carry a clear risk: if you're wrong, you lose your entire investment.  One of the main concerns is how complex and speculative these instruments are, especially in the context of retirement accounts. Event contracts are fundamentally different from traditional investments like stocks or bonds, and their all-or-nothing nature makes them more like betting rather than than long-term investing. Are we going to soon allow withdrawals from retirement assets in Vegas so people can blay blackjack? The odds may be better there than on some of these “event contracts.”  There are also broader legal and regulatory questions still being debated. Some states argue that certain event contracts—particularly those tied to sports outcomes—should be classified as sports gambling, which would place them under state jurisdiction rather than the Commodity Futures Trading Commission. Tribal groups have also raised concerns, arguing that such products could infringe on their sovereign rights to regulate gambling on tribal lands.  At the moment, sports-related event contract ETFs are not part of these filings, but that could evolve depending on how the legal landscape develops. If courts ultimately allow these types of products and current applications move forward, it's possible that similar filings tied to sports outcomes could follow.  Regardless of how regulation unfolds, it's important to understand the nature of these products. While they may be packaged as ETFs, their structure and risk profile differ significantly from traditional investments. Anyone considering them should be clear on one point: this is not investing in the conventional sense—it's a high-risk, all-or-nothing proposition that is really just gambling.    Who offers a better reward program? The big gas stations or Costco?  When I pull into a Shell gas station, I always see a pitch on the screen about getting up to $0.30 back per gallon. Other stations like Chevron run similar promos, which got me wondering: how many people actually sign up—and are these deals better than Costco's credit card with 4% cashback on gas?  Right off the bat, gas station rewards programs feel overly complicated. Once you dig in, you'll find caps, conditions, and purchase limits that make it tough to consistently get the maximum benefit. In the best-case scenario, you might get around $0.35 off per gallon. If gas is $6 per gallon, that works out to roughly a 5.8% discount. Not bad—but actually hitting that number regularly is another story.  Costco's credit card, on the other hand, offers a straightforward 5% cashback at Costco gas stations and 4% cashback at other gas stations (up to $7,000 per year). At $6 per gallon, that's about $0.24 back per gallon; at $5 per gallon, it's $0.20. To hit the annual cap, you'd need to buy around 22.4 gallons per week at $6 per gallon, or about 26.9 gallons per week at $5.  If you're filling up at a Costco station, the math can tilt even more in your favor. Gas there is often $0.10–$0.30 cheaper per gallon to begin with. Pair that with 5% cashback, and your effective savings climb even further: about $0.25 per gallon at $5 gas, or $0.30 at $6.  So, when you're standing at the pump at Shell or Chevron and see an offer for a flashy rewards program, it's worth pausing. The headline numbers can look appealing, but the real-world value often depends on how much you drive and how closely you follow the program's rules. For many people, a simple, consistent cashback card—especially one tied to already lower fuel prices—may end up being the better, less stressful option.    Is there a bubble in sports teams?  We've spent plenty of time talking about stretched valuations in stocks, the frenzy in crypto, and the rise of prediction markets—but sports teams may deserve a spot in that conversation too. Valuations across major leagues are climbing at a remarkable pace.  The NFL is leading the charge, with the average team now valued at $7.65 billion, up from roughly $1 billion in 2010. NBA franchises tell a similar story: the average team is worth $5.52 billion, an 18% jump from just last year. Go back 15 years, and the average NBA team was valued around $369 million—an increase of 1,396%. By comparison, the S&P 500's roughly 425% return over that same period looks modest.  Major League Baseball is seeing it too, with the San Diego Padres reportedly finalizing a record sale at $3.9 billion. As prices climb, fewer buyers can afford entry into the top leagues, pushing capital into smaller or emerging sports that may carry more risk.  Rick Horrow, CEO of Horrow Sports Ventures, highlighted this trend: “Major League Cricket was at $5 million. Now the value's at $30 million and going higher. Major League Pickleball two years ago was at $5 million. Now the value is at $15 million or higher.”   Women's sports are also experiencing rapid growth. The National Women's Soccer League recently awarded an expansion franchise in Columbus, Ohio for $205 million—a $40 million increase over the fee paid by Arthur Blank (The Falcon's owner) for Atlanta's team in November. That deal itself was a sharp jump from the $110 million paid by Denver in January of last year. For perspective, expansion fees were around $2 million as recently as 2022.  The key question is whether these valuations are supported by underlying fundamentals. While interest is rising—about 1.2 million people watched the NWSL final, up 22% year over year—it still trails far behind the audiences of major leagues. Game 7 of the NBA Finals drew 16.4 million viewers, the World Series drew 25.9 million, and the Super Bowl surpassed 127 million.  Media rights are central to this dynamic. The NFL signed an 11-year, $111 billion deal in 2021 and is already eyeing further increases. The NBA followed with its own 11-year, $77 billion agreement starting in 2025. If these massive contracts continue to absorb the bulk of media spending, smaller leagues may struggle to sustain their current growth trajectories.  Most people will never be in a position to buy a sports franchise, but the broader trend is still worth watching and I believe is just yet another example of excessive valuations in today's markets.     Financial Planning: Understanding the Relative Cost of IRMAA  IRMAA (Income-Related Monthly Adjustment Amount) is best understood not as a flat cost, but as an additional marginal tax rate layered on top of federal and state income taxes. When your income exceeds certain thresholds, your Medicare Part B and Part D premiums increase, and because the adjustment applies for the entire year once you cross the threshold, even by $1, it creates a “tax cliff.” For example, in 2026 the first IRMAA tier for married couples begins at $218,000 of income. At that point, Part B premiums increase from $202.90 to $284.10 and Part D increases $14.50, resulting in an additional annual cost of $2,296.80. Since this tier spans $56,000 of income (from $218,000 to $274,000), that cost translates to roughly a 4.1% marginal “tax” on income within that range, but only if you fully utilize the entire bracket. If you only exceed the threshold by a small amount, you still incur the full $2,296.80 cost, which means the effective marginal rate on those extra dollars can be extremely high. When layered on top of a 22% federal bracket and 9.3% California tax rate, the true marginal rate is about 35.4% if the bracket is filled, but can be significantly higher if it is not. This framing is critical when evaluating strategies like Roth conversions or large withdrawals, because it highlights that the decision isn't just about stated tax brackets, it's about the all-in marginal rate including IRMAA. In practice, this means it is often beneficial to either stay below an IRMAA threshold or intentionally “fill up” the bracket once crossed, ensuring the additional premium cost is spread across the full income range rather than concentrated on just a few dollars.    Companies Discussed: Tractor Supply Company (TSCO), Intel Corporation (INTC) & The Procter & Gamble Company (PG)

In this episode of Trending Health, we explore how the Inflation Reduction Act (IRA) is reshaping strategy across the life sciences industry.Mindy McGrath is joined by Inizio Ignite colleagues, Scott Briggs and Ethan Johnson, to discuss how manufacturers are responding to Medicare price negotiation, Part D redesign, and increasing pressures on pricing and access.The conversation highlights what has surprised leaders so far, how payer dynamics are evolving, and how companies are rethinking portfolio and lifecycle decisions in a more constrained market.As future negotiation rounds approach, the episode offers a clear view into where organizations are focusing—and what they should be preparing for next.Panel –Mindy McGrath, Scott Briggs, Ethan JohnsonRecording & Editing – Rachel SkoneckiFor additional discussion, please contact us at TrendingHealth.com.

Gros débat La rencontre Martineau-Dutrizac avec Richard Martineau et Benoit Dutrizac. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Medicare costs rose again in 2026, and for beneficiaries on fixed incomes, even small changes to premiums and deductibles can shift a carefully planned budget. The Medicare Part B premium alone increased from prior years, the Part D out-of-pocket cap is now fully in effect at $2,100, and income-based surcharges continue to catch people off guard.

Avec : Pierre Rondeau, économiste. Yael Mellul, ancienne avocate. Et Juliette Briens, journaliste à L'Incorrect. - Accompagnée de Charles Magnien et sa bande, Estelle Denis s'invite à la table des français pour traiter des sujets qui font leur quotidien. Société, conso, actualité, débats, coup de gueule, coups de cœurs… En simultané sur RMC Story.

Host: Dr. Bill Lampton, The Biz Communication Guy Guest: Keith Nabb, President of Affordable Medicare Solutions Dr. Bill Lampton: Hi there! Welcome to the Business Communication Show. I’m your host, Bill Lampton, the Biz Communication Guy. Our goal, as you know, is to provide you with communication tips and strategies that will boost your business. Today, we’re talking about a topic that confuses almost everyone: Medicare. If you've ever tried to navigate the jargon, the “parts,” and the “plans,” you know exactly what I mean. My guest today is a true expert in making the complex simple. Joining us from North Georgia is Keith Nabb, President of Affordable Medicare Solutions. Keith has been helping people navigate the insurance world for over 30 years and is a top producer in the industry. Keith, welcome to the show! Keith Nabb: Bill, it is an absolute pleasure to be here. I've looked forward to this for a long time. Dr. Bill Lampton: Keith, let's jump right in. When people hear “Medicare,” they often think of a massive, confusing government machine. From a communication standpoint, what is the biggest hurdle people face when trying to understand what Medicare actually is? Keith Nabb: You hit the nail on the head with the word “jargon”. In our industry, we love our acronyms—CMS, GEP, SEP, IEP. When a consumer hears these, their eyes just glaze over. The biggest hurdle is that the government uses letters for everything. You have Part A, Part B, Part C, and Part D. Then, to make it even more confusing, we have Plans A through N. People mistake a “Part” for a “Plan” all the time. My job, and the job of any good communicator in this field, is to translate that “government-speak” into plain English. Dr. Bill Lampton: That is so true. It's like a different language. How do you approach that first conversation with a client who is clearly overwhelmed? Keith Nabb: I use analogies. I tell people to think of Medicare like a house: Part A is your hospital coverage. It's the foundation and the walls. You've paid for this through your taxes while working. Part B is your medical coverage—doctors, tests, outpatient stuff. This is the roof. You pay a monthly premium for this. Part D is your prescriptions. Part C (Medicare Advantage) is like a condo. Someone else manages the exterior, and it bundles things together. If I can give them a visual or a concept they already understand, the “jargon” becomes less scary. Dr. Bill Lampton: That's a brilliant strategy. It's about finding common ground. Now, what about the timing? I hear people talking about “Enrollment Periods” and getting penalized if they miss them. That sounds like a communication nightmare. Keith Nabb: It is. There is so much misinformation out there. People get bombarded with mail—sometimes 50 pieces a day—when they turn 65. The most important thing to communicate is the “When”. You have a seven-month window around your 65th birthday to sign up. If you miss it, and you don't have other “creditable” coverage, the government can charge you a late enrollment penalty for the rest of your life. Our job is to be the “signal in the noise” and give them the exact timeline they need to follow. Dr. Bill Lampton: Keith, you mentioned you have a team of agents. How do you train them to maintain that high level of clear communication? Keith Nabb: We focus on listening. A lot of agents want to show how smart they are by using big words. I tell my team: “You have two ears and one mouth for a reason”. We ask questions: “What are your specific doctors?” “What medications are you taking?” “What is your budget?” If we don’t listen first, we can’t communicate a solution that fits. We also use a “Teach Back” method. After explaining something, we ask the client to explain it back to us. If they can’t, it means we didn’t communicate it clearly enough. Dr. Bill Lampton: That “Teach Back” method is a classic communication tool, and it's wonderful to hear you’re using it in such a technical field. Keith, before we wrap up, what is one final piece of advice for someone who is about to start this journey? Keith Nabb: Don't do it alone. You don’t pay a broker or an agent anything—the insurance companies do. Find someone who is an “independent” broker who can look at all the plans, not just one. And most importantly, find someone who speaks your language, not the government’s. Dr. Bill Lampton: Excellent advice. Keith, how can people get in touch with you and your team at Affordable Medicare Solutions? Keith Nabb: The best way is our website: affordablemedicaresolutions.com. You can also call us at 770-945-5261. We're here to help you decipher the jargon. Dr. Bill Lampton: Keith Nabb, thank you for being a fantastic guest and for shedding light on such a complex topic. And to our viewers, remember: clear communication is the key to any successful business transaction. I’m Bill Lampton, the Biz Communication Guy. We’ll see you next time!

This Minisode was originally uploaded with Episode 332: Cornerfest ‘26 Part D - some of the topics discussed might be outdated. Subscribe to our Patreon to listen and watch the Minisodes as they release every week! http://patreon.com/CHILLUMINATIPODMike Martin - http://www.youtube.com/@themoleculemindset Jesse Cox - http://www.youtube.com/jessecox Alex Faciane - https://www.youtube.com/@StarWarsOldCanonBookClub/Editor: DeanCutty Producer: Hilde @ https://bsky.app/profile/heksen.bsky.social Show Art: Studio Melectro @ http://www.instagram.com/studio_melectro Logo Design: Shawn JPB @ https://twitter.com/JetpackBragginLinksALEX: https://nypost.com/2025/08/10/us-news/mystery-plane-thief-keeps-taking-vintage-plane-for-joyrides-returning-it-repaired/MATHAS: https://news.northeastern.edu/2026/01/07/string-theory-neuron-connections/https://www.cell.com/cell/fulltext/S0092-8674(25)01305-4

durée : 00:07:14 - Les interviews d'Inter - par : Marion L'Hour - Vincent Montagne, président du Syndicat national de l'édition et PDG de Média-Participations, s'associe "à cette inquiétude" exprimée par les auteurs et les éditeurs après le limogeage du PDG de Grasset, Olivier Nora, poussé par la sortie par Vincent Bolloré. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:07:04 - Les interviews d'Inter - par : Mathilde Munos - Claude Askolovitch, journaliste et écrivain, annonce, avec une centaine d'autres auteurs, quitter Grasset. Un mouvement collectif en réaction au limogeage du PDG de la maison d'édition Olivier Nora par le propriétaire du groupe Hachette, Vincent Bolloré. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:02:59 - L'Humeur du matin par Guillaume Erner - par : Guillaume Erner - Le limogeage d'Olivier Nora de la présidence de Grasset suscite de nombreuses réactions. L'événement interroge la capacité des maisons d'édition à maintenir une pluralité de voix face aux décisions des actionnaires. - réalisation : Félicie Faugère

CMS recently published the 2027 Medicare Advantage and Part D Final Rule. Don't miss the ASG Podcast top takeaways for insurance agents.   Get Connected:

In this timely episode of Healthcare Happy Hour, host David Saltzman sits down with NABIP Medicare Advisory Group Chair Chalen Jackson for an in-depth discussion on the 2027 Medicare Advantage and Part D Final Rule, released last week. They break down key policy changes, including updates to Star Ratings and Part D provisions, and what they mean for both beneficiaries and advisors. The conversation also explores evolving market dynamics, expected pressure on plan benefits, and new flexibilities for agents that can improve workflow and client engagement. Chalen highlights how ongoing advocacy efforts helped shape many of these changes and offers practical guidance on how advisors can prepare for another challenging enrollment season.

A surprising payroll report The quick war – not over just yet Food inflation coming Economics – a bright spot and surprising report last week Space issues – Space sewage PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - A surprising payroll report - The quick war - not over just yet - Food inflation coming - Economics - a bright spot and surprising report last week - Space issues - Space sewage - 8PM - End of Civilization? Markets - March sucked - that is the report - 1st quarter results are in - we will discuss - OIL - UP - WTI and Brent rising - its only transitory - Market Manipulation - say it ain't so! Oil - Interesting note that WTI is trading higher than Brent - unusual - WTI ~ $116  Brent ~ $109 - Brent for immediate delivery in Asia $140 as being bid up for purchase NOW - WTI may have an edge because it is available and buyers also stocking up on that... - Europe running out of Jet Fuel - USA sending over a supply - also unusual BUT - 8PM ET - End of Civilization? - Or last minute miracle - with mystery negotiations - Pakistan requesting 2 week pause - with movement of ships through Strait - YES, we have a 2-week pause - no kidding! Crude down 15%, market indices up 2% ---- Wait - Negotiations will start Friday... (Friday?) In Process - In Theory - Framework - OPEC+ agrees in principal theoretical framework to increase output - OPEC+ eight members to raise quotas by 206,000 bpd for May Apple Foldable Flop - Apple shares sunk 2% after reports that the company's foldable iPhones may face delays. - Nikkei Asia reported that the company is facing engineering challenges in what would be the iPhone-maker's first foldable device. - Engineering problems they say.... Closing this Discussion - Bored with this....But... - OpenAI announced it closed its record-breaking funding round at a post-money valuation of $852 billion. - The round totaled $122 billion of committed capital, up from the $110 billion figure that the company previously announced. - OpenAI said it extended participation to investors through bank channels for the first time and raised $3 billion from individual investors. The 1st Quarter Misery - Microsoft lost almost a quarter of its value in the first three months of the year, its steepest quarterly drop since the 2008 financial crisis. - Concerns about the company include the return on investment for artificial intelligence build-outs and the adoption of Copilot. - The company's stock plunged 23% in the first quarter, a steeper drop than any of its tech peers or the Nasdaq, - Microsoft's earnings multiple hasn't been this low since the fourth quarter of 2022, when OpenAI introduced ChatGPT. - SAAS compaies got crushed - Adobe, Atlassian and ServiceNow all down more than 30% YTD - Financials, Consumer Discretionary and Homebuilders had tough quarter 1st Quarter Happiness - Energy Sector up 30% - Materials up 10% - Utilities up 10% - Oil up almost 100% - EM still positive for 2026 Latest Eco - Nonfarm payrolls rose a seasonally adjusted 178,000 in March, a reversal from the 133,000 decline in February and better than the Dow Jones consensus estimate for 59,000. - The unemployment rate edged lower to 4.3%, though that was largely from a sharp reduction in the labor force. - Wages also rose less than expected, with average hourly earnings up just 0.2% for the month and 3.5% from a year ago. The annual increase was the lowest since May 2021. -Health care was responsible for much of the growth, with the sector adding 76,000 jobs. - March ISM Non-Manufacturing Index 54.0% vs. 54.9% Briefing.com consensus; prior 56.1% - - Overall, there is not much going on good or bad - just the same in US Economics ------ Next couple of months will show inflationary pressures Inflation - Tomatoes, strawberries, asparagus, veggies in general are moving higher - - - Tomato prices are rising, with significant increases driven by a 17%–21% tariff on Mexican imports, labor shortages, and supply tightening - Experts warn these factors could increase prices by up to 50% for consumers, especially during winter months, and recent reports indicate continued shortages and high costs through early April 2026 - Florida frost in Q1 and now UREA shortages during spring planing will cause even more problems and pricing pressure (inflationary) No View - Satellite imaging firm Planet Labs said on Saturday it will indefinitely withhold visuals of Iran and the region of conflict in the Middle East to comply with a request from the U.S. government. - Planet Labs will release images only on case-by-case basis for urgent or public interest needs - Satellite imagery of hard-to-reach areas useful for news media, researchers - Other providers like Vantor apply their own controls but were not contacted by U.S. government - Interesting potential for an edge in war if we can see them and they and they can't see us Dems probing stock trades - Two Democratic U.S. senators on Thursday called on Wall Street's top regulator and a Defense Department watchdog to prevent and investigate possible insider trading by government officials following a spate of market activity seemingly timed to President Donald Trump's announcements. - Reuters and others have reported that major moves over the last year in equity, commodities and prediction markets are consistent with the possibility that traders had advance knowledge of Trump's announcements concerning the war with Iran, tariffs and the capture of Venezuelan leader Nicolas Maduro, among other examples. - Repubs only care if Pelosi does trades and Dems only care if Trump related trades The Final Frontier - The Universal Waste Management System toilet on the Orion crew capsule has been giving the Artemis II crew some issues during their mission to the moon. - The toilet's problems included a pump that needed extra water to work and a potential buildup of ice blocking the vent nozzle that allows wastewater to drain out into space. --- For a while there was no urination allowed only space poops since on different disposal systems - NASA was able to fix the issue by positioning the Orion so that the toilet vent would "bake" in the sun and melt the ice, and the crew is now cleared to use the toilet for all purposes. ---More: The UWMS comes equipped with a funnel and hose for urination, and there is a seat with a hole for bowel movements. -------Since the astronauts are in microgravity, the toilet relies on air flow that pulls waste into the toilet and ensures the capsule stays clean. -------------The astronauts can also use footstraps and handles to stay in position. Earnings Season - Analysts have been increasing their earning estimates into the quarter - which is unusual as usually see declines into the prints (so that companies have easier hurdle) - The S&P 500 is expected to deliver 13.2% year-over-year earnings growth, marking a sixth straight quarter of double-digit gains. - Revenue is expected to grow 9.7%, the strongest pace since Q3 2022. - But what about the outlook????????????????? Mag 7 Earnings expectations - Of course The Magnificent 7 remain central to earnings growth and market direction. Nvidia (~127.7%) and Tesla (~124.9%) are driving outsized earnings expansion. Apple (~19.0%) and Microsoft (~17.2%) show solid but more normalized growth. Meta (~3.4%) and Amazon (~3.2%) are slowing, while Alphabet (~-6.9%) is expected to decline. Growth within mega-cap tech is becoming less broad and more concentrated in a few names. Just In - Remember in January with Medicare Advantage and Part D payment plans from governments were being cut? - Insurance company stocks got smacked... - Expectations were for a 4% or so raise and it came in flat - ON DHUNPLUGGED - (1/27/2026) we discussed that this was a game and would come back when finalized inline with expectations  to show how great the benefit is to Medicare recipients (voters) ---- We added United HealthCare (UNH) to the Weekly Stock Pick game as a rare Purple pick - Now, final numbers announced and  are projected to result in a net average increase of 2.48%, or over $13 billion in additional MA payments to plans in CY 2027. This expected increase includes consideration of the various elements that impact MA payments, such as growth rates of underlying costs, 2026 Star Ratings for 2027 quality bonus payments, and risk adjustment updates. - UNH and other names int he sector moving up nicely on the news - (Potential related stocks: UNH, CVS, MCK, CI, HUM, CNC, ALHC, MOH, ELV, THC, UHS, CYH, HCA, OSCR) France Gold - France's central bank has sold off the last of the gold it held in the United States Federal Reserve and replaced it with higher quality bars in Paris, taking advantage of rising prices to make nearly €13 billion as it upgrades its holdings. - Moved all holding back to France   Love the Show? Then how about a Donation? ANNOUNCING THE CLOSEST TO THE PIN for NETGEAR Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt!     FED AND CRYPTO LIMERICKS   See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

This week's theme on the Retirement Quick Tips podcast is The Hidden Tax Traps in RetirementToday, I'm talking about IRMAA (Income-Related Monthly Adjustment Amount). It's an additional surcharge added to Medicare Part B and Part D premiums if you have higher income. IF you're single, IRMAA kicks in above $109k in income. If you're married, it kicks in above $218 of income.

Le sujet fort de l'actualité foot du jour vu par Jérôme Rothen et la Dream Team.

In Episode 130 of DC EKG, Joe Grogan sits down with Ryan Long to unpack two policy stories that are driving real-world drug costs and healthcare spending: the 340B program and the fallout from Medicare Part D changes under the Inflation Reduction Act.  Ryan explains why the current 340B structure can incentivize higher costs, hospital consolidation, and contract pharmacy expansion, while often directing the biggest windfalls toward larger, wealthier systems rather than truly resource-constrained hospitals. They cover contract pharmacies, exposure to diversion and fraud, Medicare Part B reimbursement dynamics, and why reforms need to address the incentives baked into the program.  They then turn to Medicare Part D, the shift from copays to coinsurance, premium pressure, the accelerated move into “catastrophic” coverage, and what happens when Washington promises savings that do not materialize. The episode closes with a broader look at fraud, program integrity, and why durable reform requires Congress to act.  In This Conversation Why does 340B incentivize higher costs and hospital consolidation  Contract pharmacies, diversion risk, and fraud exposure  Who really benefits from 340B and why rural hospitals can lose out  Medicare Part D premium pressure and the IRA tradeoffs  Copays vs coinsurance and what seniors experience at the pharmacy counter  Fraud, program integrity, and why limited resources should go to patients who need them  Timestamps0:00 Why the 340B structure drives higher costs and consolidation0:37 Ryan Long joins Joe1:13 What has changed in 340B, and why it is getting attention6:57 Payer mix, spreads, and why wealthier systems benefit more11:06 How 340B expanded post-2010 and contract pharmacies16:56 Why contract pharmacy reform alone does not fix the incentives22:11 Medicare Part D and what the IRA changed24:23 Explaining the donut hole28:54 Premium increases, catastrophic coverage, and cost shifting32:26 Copays to coinsurance and unexpected out-of-pocket changes40:37 Fraud exposure and program integrity52:09 Where to find Ryan's work52:38 Outro 340B program, contract pharmacy, hospital consolidation, drug pricing, Medicare Part D, Medicaid rebate, Affordable Care Act, healthcare spending, healthcare costs, fraud exposure, policy impact, legislative reform, patient assistance About Our GuestRyan Long is a Fellow at the Paragon Health Institute and a Scholar at the USC Schaeffer Center. He previously served as health policy lead for Speaker Kevin McCarthy and is a longtime Energy and Commerce veteran focused on drug pricing, Medicare, Medicaid, and healthcare spending reform.  Podcast: DC EKG with Joe GroganEpisode: 130Guest: Ryan LongSponsor: Survivors for Solutions – https://survivorsforsolutions.orgExecutive Producer: John “CZ” Czwartacki, DC EKG PodcastProducer:  Stay on Course Studios – https://www.stayoncourse.studio

In Episode 130 of DC EKG, Joe Grogan sits down with Ryan Long to unpack two policy stories that are driving real-world drug costs and healthcare spending: the 340B program and the fallout from Medicare Part D changes under the Inflation Reduction Act.  Ryan explains why the current 340B structure can incentivize higher costs, hospital consolidation, and contract pharmacy expansion, while often directing the biggest windfalls toward larger, wealthier systems rather than truly resource-constrained hospitals. They cover contract pharmacies, exposure to diversion and fraud, Medicare Part B reimbursement dynamics, and why reforms need to address the incentives baked into the program.  They then turn to Medicare Part D, the shift from copays to coinsurance, premium pressure, the accelerated move into “catastrophic” coverage, and what happens when Washington promises savings that do not materialize. The episode closes with a broader look at fraud, program integrity, and why durable reform requires Congress to act.  In This Conversation Why does 340B incentivize higher costs and hospital consolidation  Contract pharmacies, diversion risk, and fraud exposure  Who really benefits from 340B and why rural hospitals can lose out  Medicare Part D premium pressure and the IRA tradeoffs  Copays vs coinsurance and what seniors experience at the pharmacy counter  Fraud, program integrity, and why limited resources should go to patients who need them  Timestamps0:00 Why the 340B structure drives higher costs and consolidation0:37 Ryan Long joins Joe1:13 What has changed in 340B, and why it is getting attention6:57 Payer mix, spreads, and why wealthier systems benefit more11:06 How 340B expanded post-2010 and contract pharmacies16:56 Why contract pharmacy reform alone does not fix the incentives22:11 Medicare Part D and what the IRA changed24:23 Explaining the donut hole28:54 Premium increases, catastrophic coverage, and cost shifting32:26 Copays to coinsurance and unexpected out-of-pocket changes40:37 Fraud exposure and program integrity52:09 Where to find Ryan's work52:38 Outro 340B program, contract pharmacy, hospital consolidation, drug pricing, Medicare Part D, Medicaid rebate, Affordable Care Act, healthcare spending, healthcare costs, fraud exposure, policy impact, legislative reform, patient assistance About Our GuestRyan Long is a Fellow at the Paragon Health Institute and a Scholar at the USC Schaeffer Center. He previously served as health policy lead for Speaker Kevin McCarthy and is a longtime Energy and Commerce veteran focused on drug pricing, Medicare, Medicaid, and healthcare spending reform.  Podcast: DC EKG with Joe GroganEpisode: 130Guest: Ryan LongSponsor: Survivors for Solutions – https://survivorsforsolutions.orgExecutive Producer: John “CZ” Czwartacki, DC EKG PodcastProducer:  Stay on Course Studios – https://www.stayoncourse.studio

In Episode 130 of DC EKG, Joe Grogan sits down with Ryan Long to unpack two policy stories that are driving real-world drug costs and healthcare spending: the 340B program and the fallout from Medicare Part D changes under the Inflation Reduction Act.  Ryan explains why the current 340B structure can incentivize higher costs, hospital consolidation, and contract pharmacy expansion, while often directing the biggest windfalls toward larger, wealthier systems rather than truly resource-constrained hospitals. They cover contract pharmacies, exposure to diversion and fraud, Medicare Part B reimbursement dynamics, and why reforms need to address the incentives baked into the program.  They then turn to Medicare Part D, the shift from copays to coinsurance, premium pressure, the accelerated move into “catastrophic” coverage, and what happens when Washington promises savings that do not materialize. The episode closes with a broader look at fraud, program integrity, and why durable reform requires Congress to act.  In This Conversation Why does 340B incentivize higher costs and hospital consolidation  Contract pharmacies, diversion risk, and fraud exposure  Who really benefits from 340B and why rural hospitals can lose out  Medicare Part D premium pressure and the IRA tradeoffs  Copays vs coinsurance and what seniors experience at the pharmacy counter  Fraud, program integrity, and why limited resources should go to patients who need them  Timestamps0:00 Why the 340B structure drives higher costs and consolidation0:37 Ryan Long joins Joe1:13 What has changed in 340B, and why it is getting attention6:57 Payer mix, spreads, and why wealthier systems benefit more11:06 How 340B expanded post-2010 and contract pharmacies16:56 Why contract pharmacy reform alone does not fix the incentives22:11 Medicare Part D and what the IRA changed24:23 Explaining the donut hole28:54 Premium increases, catastrophic coverage, and cost shifting32:26 Copays to coinsurance and unexpected out-of-pocket changes40:37 Fraud exposure and program integrity52:09 Where to find Ryan's work52:38 Outro 340B program, contract pharmacy, hospital consolidation, drug pricing, Medicare Part D, Medicaid rebate, Affordable Care Act, healthcare spending, healthcare costs, fraud exposure, policy impact, legislative reform, patient assistance About Our GuestRyan Long is a Fellow at the Paragon Health Institute and a Scholar at the USC Schaeffer Center. He previously served as health policy lead for Speaker Kevin McCarthy and is a longtime Energy and Commerce veteran focused on drug pricing, Medicare, Medicaid, and healthcare spending reform.  Podcast: DC EKG with Joe GroganEpisode: 130Guest: Ryan LongSponsor: Survivors for Solutions – https://survivorsforsolutions.orgExecutive Producer: John “CZ” Czwartacki, DC EKG PodcastProducer:  Stay on Course Studios – https://www.stayoncourse.studio

“I'm Not Paying for Oil—I'm Protecting the Engine” There's a moment in our house where Lucas will look at me—calm as can be—and say, “Rachel… I'm not paying for oil. I'm protecting the engine.” And every time he says it, it reminds me of how people think about taxes. https://www.youtube.com/live/1bgZWYxu3jo Because an oil change feels annoying. It's inconvenient. It's not “fun money.” It's something you can easily delay—especially when life is full. But what Lucas understands is what most families don't realize until it's painful: small, responsible decisions today protect what you've built tomorrow. That's exactly what a Roth conversion strategy is. Not a trendy tactic. Not clickbait. Not “always do this” or “never do this.” It's stewardship. And it's one of the most misunderstood decisions families make—because it's not just about your tax bracket this year. It's about your lifetime taxes… and in many cases, your kids' taxes too. “I'm Not Paying for Oil—I'm Protecting the Engine”A Long-Range Roth Conversion StrategyRoth Conversion Strategy: Start With the Right Lens (Not a Hot Take)What Is a Roth Conversion?Why Roth Conversions Are Everywhere Right NowRoth Conversion and Future Tax Rates: The Real Issue Is ControlShould I Do a Roth Conversion? When It Makes Sense1) You're trying to reduce lifetime taxes (not just this year's taxes)2) You have high tax-deferred balances and don't expect to spend them down3) You have a window of lower-income years4) Your goal is tax diversification and retirement flexibilityRoth Conversion Mistakes to AvoidMistake #1: Ignoring IRMAA (Medicare Premium Surcharges)Mistake #2: Treating Roth conversions as staticMistake #3: Trying to time the market perfectlyHow Does a Roth Conversion Affect Your Heirs?Roth Conversion Estate Planning Strategy: When Roth Isn't the End GameReframe the Goal: Not “Highest Return,” but “Best Outcome After Taxes”What This Roth Conversion Strategy Changes for Your FamilyListen to the Full Roth Conversion Strategy EpisodeBook A Strategy CallFAQWhat is a Roth conversion strategy?When does a Roth conversion make sense?What are the downsides of a Roth conversion?Is it better to do Roth conversions when the market is down?How do I avoid Roth conversion mistakes? A Long-Range Roth Conversion Strategy In this blog (and podcast), Bruce Wehner and I unpack Roth conversions the way we believe every financial decision should be unpacked: with a long-range view, a clear understanding of tradeoffs, and a focus on control. If you're asking questions like: Should I do a Roth conversion? When does a Roth conversion make sense? What are the downsides of a Roth conversion? How does a Roth conversion affect my Medicare premiums (IRMAA)? How does the SECURE Act change inherited IRA taxes for my heirs? …this article is for you. You'll learn what a Roth conversion is, why people are talking about it more right now, and the biggest blind spots that can cost families real money—especially under the SECURE Act's inheritance rules. We'll also show you why this isn't a one-variable decision. The best Roth conversion planning is dynamic and integrated—because taxes, Medicare premiums, market timing, and estate planning all collide here. Roth Conversion Strategy: Start With the Right Lens (Not a Hot Take) Bruce opened our conversation with something that matters: There is no such thing as universal Roth conversion advice. If someone on social media tells you, “Always do a Roth conversion,” they're selling certainty—not stewardship. And if someone tells you, “Never do a Roth conversion,” they're doing the same thing in reverse. A real Roth conversion strategy requires your full financial picture. And not just your picture. It often requires understanding your heirs' tax picture, too. Because what happens after you're gone is part of the strategy—not an afterthought. If your goal is to pay the least amount of taxes over your lifetime and your family's lifetime, then this is a conversation worth slowing down for. What Is a Roth Conversion? A Roth conversion is when you move money from a tax-deferred account (like a Traditional IRA) into a Roth IRA. Here's the simple trade: With a Traditional IRA, you get a tax break today, but you pay taxes later when you withdraw. With a Roth IRA, you pay taxes now, and then your money can grow tax-free, and you can access qualified withdrawals tax-free. So the core question isn't “Do I like Roths?” The core question is: Do I want to pay the tax now or later—and what does that choice do to my lifetime tax bill and my heirs' tax burden? This is why we call it Roth conversion planning—because the conversion itself is just a move. The strategy is the plan around it. Why Roth Conversions Are Everywhere Right Now If you've noticed the sudden spike in Roth conversion content, you're not imagining it. Yes, people are thinking about inflation and national debt. But the bigger driver is a policy change that quietly shifted the math for families: The SECURE Act and the 10-Year Rule The SECURE Act changed how inherited IRAs work for most non-spouse beneficiaries. Before the SECURE Act, many beneficiaries could “stretch” distributions over their lifetime. That often meant smaller annual distributions and a more manageable tax impact. Now, in many cases, heirs must empty an inherited IRA within 10 years. That means more money forced out over a shorter time window, often during your child's peak earning years—when they're already in higher tax brackets. This is why the question “How does a Roth conversion affect your heirs?” is not a niche question. It's central. Roth Conversion and Future Tax Rates: The Real Issue Is Control One of Bruce's strongest points was this: You can try to predict future tax rates… but the bigger issue is control. Tax policy changes. Brackets change. Deductions change. Rules change. And governments are always solving for revenue. So instead of pretending we can forecast everything perfectly, we ask: How do we increase your control over when and how taxes are paid? That's what a tax diversification retirement strategy is about: having money in different “tax buckets” so you can choose how you pull income in retirement. Because a family with options has leverage. A family with only tax-deferred money has constraints. Should I Do a Roth Conversion? When It Makes Sense Let's bring it down to practical guidance. A Roth conversion can make sense when: 1) You're trying to reduce lifetime taxes (not just this year's taxes) If you're doing a Roth conversion to reduce lifetime taxes, you're looking at: your expected retirement income your required minimum distributions (RMDs) your spouse's situation your heirs' likely income levels future tax law uncertainty This is not a “this year only” decision. It's long-range strategy. 2) You have high tax-deferred balances and don't expect to spend them down Bruce sees this often with high net worth families. They have significant IRA/401(k) balances, but they live on cash flow from businesses, real estate, or other income sources. So the tax-deferred accounts are likely to be inherited—not consumed. That's when the SECURE Act 10-year rule becomes a real problem for adult children. 3) You have a window of lower income years Many families have lower income years: early retirement before Social Security a gap between selling a business and reinvesting proceeds years with unusually high deductions These windows can be ideal for Roth conversion planning, because you can “fill up” lower tax brackets strategically. 4) Your goal is tax diversification and retirement flexibility A Roth IRA can be a powerful tool for controlling adjusted gross income in retirement—especially when it comes to Medicare premiums and other phaseouts. But that leads to a major pitfall… Roth Conversion Mistakes to Avoid Mistake #1: Ignoring IRMAA (Medicare Premium Surcharges) If you're near Medicare age, this is huge. A Roth conversion increases your adjusted gross income (AGI). Higher AGI can trigger IRMAA—Income Related Monthly Adjustment Amount. In plain language:the more income you show, the more you can pay for Medicare Part B and Part D premiums. Bruce shared how common it is for people (and even many advisors) to miss this entirely. And here's the kicker: IRMAA is based on a two-year lookback so a conversion today can impact Medicare premiums two years from now This doesn't mean “don't convert.”It means: run the math. Because sometimes the tax savings over your lifetime is still worth it. But you should know what you're trading. Mistake #2: Treating Roth conversions as static Bruce said it well: this can't be a static strategy. It must be dynamic. He gave an example of a client who retired, started a multi-year Roth conversion plan, and then unexpectedly received a consulting contract paying several hundred thousand dollars. That income changed everything. Their conversion strategy had to be adjusted immediately—because the tax brackets, Medicare implications, and intended “conversion window” shifted. The point is simple: A Roth conversion strategy needs ongoing review. Mistake #3: Trying to time the market perfectly Yes, it can be advantageous to convert when markets are down. But most families wait for the perfect moment… and miss years of opportunity. Bruce's guidance is the steady kind of wisdom we live by: Control what you can control. Don't pretend you have a crystal ball. A good strategy often beats “perfect timing.” And in some cases, converting a depressed holding into a Roth can be a smart move—because future growth happens inside the Roth structure.

  If you're a federal employee or retiree approaching age 65, you've likely asked: "Do I really need Medicare Part B if I already have FEHB?" In this Federal Fact Check episode, Micah Shilanski, Managing Partner and Wealth Advisor, explains how Medicare Parts A, B, and D work with your Federal Employees Health Benefits (FEHB) coverage, and what federal retirees should consider before deciding. In this episode, we discuss: • The 7-month Medicare enrollment window • When Part A is typically required • Why Part B is often considered "quasi-optional." • The 10% per year late enrollment penalty • How IRMAA can increase Medicare premiums • How FEHB prescription coverage impacts Part D decisions • Key financial planning considerations at age 65 Medicare decisions are highly personal and depend on your income, health outlook, and retirement plan. This episode is designed to help you understand the structure of the rules so you can make a more informed decision. If you're nearing 65 or helping someone who is, this conversation is worth your time.  Check out the full episode here:https://zurl.co/Jake1 https://zurl.co/7P2P3

In this podcast episode,  AFSPA CEO Kyle Longton provides a comprehensive overview of how Medicare and the Federal Employee Health Benefits (FEHB) program work together. Learn about each part of Medicare - A, B, C, and D - and what factors you should consider when deciding whether to enroll in Part B.  Please note: this presentation addresses only how Medicare and FEHB work together. It is not intended for audiences beyond those with FEHB coverage. The information is accurate as of March 13, 2026.  For information on Part B premiums and Part D premiums/IRMAA amounts, please visit: https://www.medicare.gov/Pubs/pdf/115....  To learn more about signing up for Medicare, visit: https://www.ssa.gov/medicare/sign-up.To learn more about the Foreign Service Benefit Plan and Medicare, visit: https://www.afspa.org/fsbp-and-medicare/Check out our events page here: www.afspa.org/events/. 

The Eleventh Hour Miracle. Part D

Don't miss the 2nd round of Medicare Part D negotiated drug prices. Get the details on the prescriptions and savings for Medicare beneficiaries in 2027.   Read the text version   Get Connected:

In this episode of Framework Focus, Dr. Dae Lee breaks down the regulatory and reimbursement shifts reshaping long-term care (LTC) pharmacy. With the Inflation Reduction Act (IRA) moving from policy theory to operational reality, Medicare's Maximum Fair Price (MFP) program, Part D redesign, and inflation rebate enforcement are now active forces that LTC operators must navigate. This conversation moves beyond headlines and into real-world implications: cash flow risk, administrative burden, contracting exposure, and strategic readiness for closed-door and combo LTC pharmacies. Key Discussion Points Medicare Drug Price Negotiation Is Now Operational  The IRA authorizes Medicare to negotiate prices for certain high-spend Part D drugs, with the first 10 Maximum Fair Prices (MFPs) effective January 1, 2026. This marks a structural shift in federal drug pricing and directly impacts LTC dispensing economics. Maximum Fair Price and LTC Reimbursement Compression  MFP caps reimbursement on selected drugs, creating potential margin compression if acquisition costs and payment timing are misaligned. For LTC pharmacies operating on tight spreads and high-volume chronic utilization, even small deltas can materially affect profitability. Medicare Transaction Facilitator (MTF) and Payment Timing Risk  The MTF system introduces new payment mechanics between manufacturers, plans, and pharmacies. LTC pharmacies must understand how effectuation and reconciliation work, particularly if payment timing differs from traditional Part D adjudication flows. Cash flow modeling becomes essential. Administrative Complexity and Claims Reconciliation  Identifying which NDCs are subject to MFP, managing claim reversals, handling price disputes, and monitoring plan-level compliance will increase administrative workload. LTC pharmacies will need structured internal workflows to prevent reimbursement leakage. Dispensing Fees and the LTC Service Intensity Problem  Unlike retail, LTC pharmacy includes compliance packaging, emergency kits, cycle fills, consultant pharmacist oversight, and regulatory documentation. Current IRA implementation does not automatically adjust dispensing or supply fees to reflect this complexity, raising sustainability concerns. Congressional Efforts to Stabilize LTC Pharmacy  Legislative proposals such as the Preserving Patient Access to LTC Pharmacies Act aim to create supply fee protections tied to MFP drugs. The episode explores whether policy corrections are likely — and how quickly DC can realistically respond. Expansion of Negotiated Drug Lists  The initial 10 negotiated drugs are only the beginning. Additional rounds of negotiation are underway, expanding exposure across more therapeutic classes. LTC pharmacies must treat MFP as a growing structural feature — not a limited pilot. Part D Redesign and the $2,100 Out-of-Pocket Cap  Beginning in 2026, the redesigned Part D benefit changes liability distribution among plans, manufacturers, and CMS. The new out-of-pocket cap alters plan incentives and may lead to tighter utilization management, formulary shifts, and network recalibration — all of which LTC pharmacies must monitor closely. Inflation Rebates and Market Distortion  The IRA's inflation rebate provisions penalize manufacturers for price increases above inflation benchmarks. While not directly adjudicated at the pharmacy counter, these provisions influence manufacturer pricing strategy, launch pricing behavior, and downstream PBM negotiations — indirectly affecting LTC acquisition costs. Strategic Readiness as a Competitive Advantage  The episode concludes with practical recommendations:  • Conduct an MFP exposure audit across top-dispensed NDCs  • Reassess PBM contracts and network participation clauses  • Model cash flow under delayed reimbursement scenarios  • Educate facility partners on regulatory changes  • Build internal compliance tracking specific to negotiated drugs Why This Matters Now For LTC pharmacies, this is not simply a policy conversation — it is a structural shift in reimbursement architecture. As federal oversight expands and pricing authority evolves, operational precision and legal literacy will define which organizations adapt successfully. About our guest:  Dr. Dae Lee, Pharm.D, Esq., CPBS  Shareholder - Buchanan Ingersoll & Rooney PC  Email: dae.lee@bipc.com  Dae Y. Lee is a pharmacist-attorney and Certified Pharmacy Benefits Specialist™ (CPBS™) who represents pharmacies, healthcare stakeholders, and plan sponsors in high-stakes disputes and regulatory matters involving Pharmacy Benefit Managers (PBMs) and government payors. Drawing on his dual training as a pharmacist and attorney, Dae focuses his practice on defending clients in audits, investigations, enforcement actions and complex reimbursement and compliance matters. Dae routinely represents pharmacies nationwide in PBM and payor audits, including Fraud, Waste and Abuse (FWA) investigations, extrapolation disputes, overpayment recoupments, credentialing denials, network suspensions and terminations. He advises pharmacies on compliance with applicable state pharmacy fair audit laws, PBM provider manuals, and reimbursement standards, with the goal of minimizing financial exposure while preserving network participation and business continuity.

In this Bright Spots in Healthcare episode, Medicare Advantage leaders confront a hard truth: high activity does not guarantee high impact. As Stars cut points rise and margins tighten, traditional segmentation and broad outreach strategies are no longer sufficient. This discussion explores how leading plans are shifting from static stratification to dynamic signal monitoring, identifying which members are realistically movable, and embedding behavioral intelligence directly into operational workflows. The focus is not on doing more. It is on doing what measurably drives lift. Our guests include: Amin Serehali, Chief Data and Analytics Officer, Independent Health Mike Leiper, Director of Government Quality Programs, Highmark Brendan Generelli, Director of Medicare Stars and Quality, Johns Hopkins Health Plans David Burianek, Chief Strategy Officer for Health Plans, MedOrion Together, they explore: How plans are distinguishing between theoretical risk and practical movability, concentrating outreach on members whose behavior can realistically change within a defined window. How leading organizations are integrating claims, pharmacy, grievance, complaint, and social drivers data with behavioral science modeling to move beyond rules based campaigns. Why simultaneous pressure across HEDIS, CAHPS, and Part D often reflects fragmentation in engagement strategy rather than isolated measure failures. How targeted pilots within defined populations create clarity before scaling enterprise wide changes. Why timing is emerging as a strategic lever, with continuous signal monitoring replacing annual segmentation refresh cycles. How embedding intelligence into frontline workflows improves alignment between engagement effort and measurable Stars influence. Panelist Bios: https://www.brightspotsinhealthcare.com/events/beyond-segmentation-how-medicare-advantage-engagement-is-being-rebuilt/ Download the Episode Guide: Get key takeaways and expert highlights to help you apply lessons from the episode. https://www.brightspotsinhealthcare.com/wp-content/uploads/2026/02/Updated-Episode-Guide-Beyond-Segmentation.docx.pdf  Key Insights Summary: Find the top six strategic insights from the discussion, including detailed speaker takeaways and moderator notes. https://www.brightspotsinhealthcare.com/wp-content/uploads/2026/02/Key-Takeaways-Beyond-Segmentation-2.12.26.docx.pdf    Resources: Companion Brief: From Segmentation to Signals This companion brief expands on the behavioral intelligence framework discussed in the episode, outlining how health plans can identify movable phenotypes, align engagement timing with readiness signals, and measure causal lift against specific Stars drivers. Inside you will find insights on: Shifting from annual risk stratification to continuous behavioral signal monitoring Identifying members whose behavior is realistically influenceable within a defined measurement window Reducing wasted outreach and improving ROI through precision targeting Embedding intelligence into operational workflows rather than post hoc reporting To request your copy, email nroberts@brightspotsventures.com. Thank You to Our Episode Partner, MedOrion: Medorion partners with Medicare Advantage plans to integrate behavioral science and advanced analytics into engagement strategy. By layering behavioral phenotyping onto clinical and utilization data, Medorion helps plans identify which members are movable, optimize outreach timing, and improve measurable Stars performance. Learn more at https://medorion.com/. Schedule a Conversation with MedOrion: To explore how behavioral intelligence can strengthen your engagement strategy and improve measurable lift across HEDIS, CAHPS, and Part D, reach out to nroberts@brightspotsventures.com  to schedule a discussion with David Burianek and the Medorion team. About Bright Spots Ventures: Bright Spots Ventures helps healthcare leaders separate signal from noise and accelerate the adoption of what works. We bring health plan, provider, and innovation leaders together through curated content and high-trust convenings to build meaningful relationships and turn insight into action. Explore our podcast at www.brightspotsinhealthcare.com.

The Friday Five for January 30, 2026 Meta Announces Premium Subscriptions TikTok USDS Troubles & New Competitors FY 2026 Appropriations Bills 2025 Tax Season & H.R. 7006 CMS 2027 MA and Part D Advance Notice   Get Connected:

Send us a textFr Joe dives into the content of January video postings on Social Media: #FaithRestart2026Check out the JIBM Web site at:  https://www.joeinblackministries.com/Please use the following link if you would like to financially support  Church of the Holy Family: https://pushpay.com/g/hfgrandblanc?sr…Support the show

Fundamental Doctrine Of Jesus Christ. Part D

Cornerfest is back, baby! Join Mathas and Jesse as Alex takes them on a journey through the corners of the internet in this final part of the yearly series.CHILLUMINATI is a weekly comedy podcast hosted by Mike Martin, Jesse Cox and Alex Faciane. Hold on to your tin-foil hats and traverse the realms of the mysterious, supernatural, spooky and sometimes truly horrible - and your third eye will never be the same!Subscribe to our Patreon to support us and for extra content like full video episodes, weekly Minisodes, exclusive art, and more at http://patreon.com/CHILLUMINATIPODThank you to our sponsors:Mike Martin - http://www.youtube.com/@themoleculemindset Jesse Cox - http://www.youtube.com/jessecox Alex Faciane - https://www.youtube.com/@StarWarsOldCanonBookClub/Thanks to Factor: head to https://www.factormeals.com/chill50off!Editor: DeanCutty Producer: Hilde @ https://bsky.app/profile/heksen.bsky.social Show Art: Studio Melectro @ http://www.instagram.com/studio_melectro Logo Design: Shawn JPB @ https://twitter.com/JetpackBragginSHOWNOTESMAN OF WIND:https://www.instagram.com/jesusthelivingsun?igsh=ZDc3dGtjZmtrZDVs https://www.amazon.com/dp/B0FMFYF8YQ?ref_=quick_view_ref_tag https://www.youtube.com/watch?v=W7_F_AqeRqoTHE DEATH OF DR. KELLY:https://en.wikipedia.org/wiki/David_Kelly_(weapons_expert) https://www.theguardian.com/politics/2013/jul/16/david-kelly-death-10-years-on https://www.bbc.com/news/uk-13716127 https://www.spyculture.com/clandestime-146-the-death-of-david-kelly/ https://www.theguardian.com/politics/2010/jan/25/david-kelly-suicide-hutton-inquiryhttps://www.theguardian.com/theguardian/2004/jan/27/guardianletters4EVEN DEADER INTERNET:https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5085878 https://gizmodo.com/dead-internet-theory-lives-one-out-of-three-of-you-is-a-bot-2000656924https://radar.cloudflare.com/traffic?dateRange=52w#bot-vs-humanhttps://www.theatlantic.com/technology/archive/2021/08/dead-internet-theory-wrong-but-feels-true/619937/https://forum.agoraroad.com/index.php?threads/dead-internet-theory-most-of-the-internet-is-fake.3011/https://www.youtube.com/watch?v=02Ah5VQrzvADATURA STRAMONIUMhttps://www.reddit.com/r/spookymysteries/comments/n16xl8/solvedish_clairvius_narcisse_a_real_life_zombie/ https://en.wikipedia.org/wiki/The_Serpent_and_the_Rainbow_(book) https://www.biologyonline.com/articles/dead-man-walkinghttps://web.archive.org/web/20210228034502/http://isciencemag.co.uk/features/haitian-zombies/https://www.youtube.com/watch?v=LNRnOcW5yqsPALANTIR REDDIT HEISThttps://www.reddit.com/r/SubredditDrama/s/mKUmT9YlR0 

Roth conversions can save thousands in taxes, but they can also trigger Medicare IRMAA surcharges that quietly add up to more than $5,000 a year. Most retirees never see it coming, because the rules for Medicare premiums don't line up with the tax brackets everyone focuses on.In this video, James breaks down how Roth conversions interact with Medicare Part B and Part D premiums, why modified adjusted gross income matters more than taxable income, and how crossing a threshold by even one dollar can change your costs for an entire year. The case study shows how a couple could save nearly a million dollars in lifetime taxes… but lose tens of thousands to unnecessary IRMAA charges if they convert without a plan. A small adjustment (converting up to the right tier instead of the wrong bracket) boosts their long-term wealth and avoids surprise premiums.If you're planning Roth conversions before RMDs begin, evaluating a 401(k)-to-Roth strategy, or trying to minimize taxes in early retirement, understanding Medicare thresholds is essential. A smart conversion plan balances tax savings with premium costs so you don't give back what you worked so hard to save.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

This is Part D of F of Patrick MacKay: Two Sides of a Psychopath, about the killing of Leslie Frank Goodman.Thursday 13th of June 1974, six months after Stephanie Britton & Christopher Martin's double murder, 64-year-old Leslie opened his shop on Rock Street in Finsbury park at just shy of 7am. At 5pm, he planned to close-up early to watch the World Cup, but was beaten to death by his last customer. But was this Patrick MacKay? He confessed to the robbery, but not the murder.This series explores the killings he confessed to, and which he committed. Location: ‘L Goodman', Rock Street (number unknown), Finsbury Park, London, UK, N14Date: Thursday 13th of June 1974 at 5pmVictims: Leslie Frank GoodmanCulprit: Patrick David MacKay? For Parts 1 to 4 covering the life of Patrick MacKay, his crimes, his trial and the three murders he was convicted of, check out Patrick MacKay: Two Sides of a Psychopath by True Crime EnthusiastFive time nominated at the True Crime Awards, Independent Podcast Awards and the British Podcast Awards, Murder Mile is one of the best UK / British true crime podcasts covering only 20 square miles of West London. It is researched, written and performed by Michael of Murder Mile UK True Crime Podcast with the main musical themes written and performed by Erik Stein and Jon Boux of Cult With No Name and additional music, as used under the Creative Commons License 4.0. A full listing of tracks used and a full transcript for each episode is listed here and a legal disclaimer.This episode features a promo by our friends at the Three Ravens podcast. For links click hereTo subscribe via Patreon, click here Support this show http://supporter.acast.com/murdermile. Hosted on Acast. See acast.com/privacy for more information.