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#SafeMoney #JonHeischmanSr #ProcrastinationProcrastination is one of the leading issues for those approaching retirement age and host Jon Heischman, Senior talks about strategies and methods to take action.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 07/19/25 – HERO’S Talk Radio Read More » The post 07/19/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..
Keith Neumeyer: Silver Now Attracting Attention Of Mutual & Pension Funds Last week I was at the Rick Rule Symposium, where perhaps the dominant theme was how money is now finally coming back into the silver sector. First it went into bullion. And now it's flowing into the stocks too. Fortunately I was able to catch up with Keith Neumeyer of First Majestic Silver, who talks about the record-setting industrial demand, how Chinese smelters are cutting deals with South American concentrate offtakers, and also provides an update on First Majestic Silver. So for some insight into the front-lines of the silver industry, you'll want to click to watch this interview with Keith Neumeyer now! - To find out more about the latest progress from First Majestic Silver go to: https://www.firstmajestic.com/ - Get access to Arcadia's Daily Gold and Silver updates here: https://goldandsilverdaily.substack.com/ - To get your very own 'Silver Chopper Ben' statue go to: https://arcadiaeconomics.com/chopper-ben-landing-page/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - Listen to Arcadia Economics on your favorite Podcast platforms: Spotify - https://open.spotify.com/show/75OH2PpgUpriBA5mYf5kyY Apple - https://podcasts.apple.com/us/podcast/arcadia-economics/id1505398976 - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD) This video was sponsored by First Majestic Silver, and Arcadia Economics does receive compensation. For our full disclaimer go to: https://arcadiaeconomics.com/disclaimer-first-majestic-silver/Subscribe to Arcadia Economics on Soundwise
Dieses Gespräch mit Sozialministerin Korinna Schumann ist Teil einer losen sachpolitischen Serie, in der wir mit den neuen Regierungsmitgliedern über einzelne Maßnahmen aus ihren Ressorts sprechen. Bisher erschienen: Frauenministerin Eva-Maria Holzleitner über den "Dick-Pic-Paragraph":https://ganzoffengesagt.simplecast.com/episodes/27-2025-uber-das-dick-pic-verbot-mit-eva-maria-holzleitnerIntegrationsministerin Claudia Plakolm über das Kopftuchverbot:https://ganzoffengesagt.simplecast.com/episodes/29-2025-kopftuchverbot-mit-claudia-plakolmBildungsminister Christoph Wiederkehr über die Orientierungsklassen:https://ganzoffengesagt.simplecast.com/episodes/34-2025-wozu-orientierungsklassen-mit-christoph-wiederkehr-m Wir würden uns sehr freuen, wenn Du "Ganz offen gesagt" auf einem der folgenden Wege unterstützt:Werde Unterstützer:in auf SteadyKaufe ein Premium-Abo auf AppleKaufe Artikel in unserem FanshopSchalte Werbung in unserem PodcastFeedback bitte an redaktion@ganzoffengesagt.at
In this episode of The Sound of Economics, host Rebecca Christie discusses how insurance funds invest in the global economy with Patrick Hoedjes, Head of Policy and Supervisory Convergence Department of the European Insurance and Occupational Pensions Authority (EIOPA), and Bruegel's Jesper Berg, Marie-Sophie Lappe and David Pinkus. Where is the money going? What role does European policy play? How can we make sure citizens understand their options and have confidence in the system? They also discuss new research on how much insurance company and pension fund investments stay in Europe, a key question in the EU capital markets debate. The discussion is based on an upcoming Bruegel Policy Brief written by Marie-Sophie Lappe and David Pinkus.
Das Deutsche Institut für Wirtschaftsforschung will Ruheständler mit hohem Einkommen zur Kasse bitten, um arme Rentner zu unterstützen. DIW-Experte Max Blesch erklärt, wie die Umverteilung funktionieren soll.
On this episode, K.C. breaks down what it really means to retire with a pension. While guaranteed income sounds great, he highlights the often-overlooked downsides—like inflation risk, limited control, and the danger of not saving enough on your own. The Henssler Money Talks hosts also explain why even pensioned workers should consider saving independently to build flexibility and long-term security.Original Air Date: July 12, 2025Read the Article: https://www.henssler.com/why-more-control-over-retirement-might-be-better-than-a-guarantee
Ryan Herbert and Lawrence Kiely dive into the 50th anniversary of Jaws—and use it as a metaphor for the hidden dangers lurking in retirement accounts. From Required Minimum Distributions (RMDs) to Roth conversions, they break down how tax planning can be the “bigger boat” you need to stay afloat in retirement. Learn how a proactive tax strategy could potentially save you hundreds of thousands—even millions—over your lifetime. Want to begin building your retirement and tax plan? Schedule a call with us here:
87 per cent of Irish adults who are eligible for the pension auto-enrolment scheme are happy to use it once it's rolled out, according to new research from financial advisors Ask Acorn. However, they are also warning that people should be fully aware of what they're signing up for. All to chat with Robert Whelan, Financial advisor with Rockwell Financial Management.
Resources to help: https://youtu.be/ZHSBcGyycMI?si=vkQDr5FRb9O8JmAE https://youtu.be/9Q3O34IapOE?si=2vMbNifmaACFaRgj https://youtu.be/AngBbipPGCM?si=bFUPyJgLXM3YySqZ Reforming the NHS Pension System: A Manifesto for Change In this episode, the hosts discuss the current issues plaguing the NHS pension system, particularly for General Practitioners (GPs). They detail the problems with missing contributions, incorrect paperwork, and bureaucracy that have caused many to lose faith in the scheme. The discussion is joined by Andy Powell, an independent medical accountant and NHS pensions expert. Together, they propose a manifesto outlining several reforms, including producing forms earlier, abolishing the GP Solo system, automating data entry, regular updates between departments, and simplifying the annualization process. They also touch upon the necessity for a one-off investment to streamline the system. Additionally, they provide resources and courses for GPs to better navigate the current pension system. 00:00 Introduction to the GP Pension Crisis 00:21 Presenting the Manifesto for Change 00:52 Meet the Expert: Andy Pow 01:08 Current State of GP Pension Records 01:43 The Annual Return Process 02:12 Challenges with PCSE and Systemic Issues 03:09 Complexity of Pension Forms 05:19 Proposed Solutions: Early Form Availability 05:39 Abolishing GP Solo 06:43 Automating the Pension System 08:33 Regular Updates Between PCSE and NHSBSA 09:48 The Issue of Annualization 12:50 Investing in System Improvements 15:03 Resources to Navigate the System 16:34 Final Thoughts and Additional Suggestions 17:34 Conclusion and Call to Action
87 per cent of Irish adults who are eligible for the pension auto-enrolment scheme are happy to use it once it's rolled out, according to new research from financial advisors Ask Acorn. However, they are also warning that people should be fully aware of what they're signing up for. All to chat with Robert Whelan, Financial advisor with Rockwell Financial Management.
Immer mehr Menschen überlegen, ihre Pension im Ausland zu verbringen. Doch Auswandern will gut überlegt sein: Versteckte Kosten beim Immobilienkauf, Stolpersteine bei der Krankenversicherung, Probleme bei der Auszahlung der Pension im Zielland – es gibt einiges zu beachten, wenn man seinen Wohnsitz im Alter verlegen möchte. Zwei Expertinnen des Vereins für Konsumenteninformation, Gabriele Kreindl und Reinhold Schranz geben Tipps und erzählen von missglückten, aber auch gelungenen Umzügen ins Ausland. Die beiden erklären, was man besonders in Italien und Spanien beachten sollte. Die Folge wird moderiert von Natascha Ickert.
For the past 8 years, I've been making the case that most investors, particularly those who can tolerate volatility, should avoid Lifestyle investment strategies in pensions. It's been a lonely stance, with little to no mainstream coverage, even though investor feedback on my analysis was consistently positive. Back in early 2024, I shared updated research on Lifestyle and Default Investment strategies used by pension funds in Ireland. The results were clear: even after more than a decade of strong market performance, investors who took the ‘Do It For Me' route, defaulting to cautious, de-risking strategies, ended up with significantly poorer outcomes than those who chose a more hands-on, equity-focused approach. Was I mad? Or missing something? It appears not. Disclaimer The content of this site including blogs and podcasts is for information purposes only. Everybody's financial situation is different and the content we share on our site and through podcasts may not be applicable to you. The articles, blogs and podcasts are not investment advice. They do not take account of your individual circumstances, including your knowledge and experience and attitude to risk. Informed Decisions can't be held responsible for the consequences if you pursue a course of action based on the information we share
Oral Arguments for the Court of Appeals for the Ninth Circuit
Automotive Industries Pension Trust Fund v. Toshiba Corporation
Humorprofilen Emma Melin började göra sketcher om hemsläp och sin mamma på Tiktok. I P4 Extra berättar hon om kontokapningen och varför hon är avundsjuk på deltagarna i Gift vid första ögonkastet. Lyssna på alla avsnitt i Sveriges Radio Play.
Lindi kordonnier : la mobilisation des travailleurs manuels contre le relèvement de l'âge d'éligibilité à la pension de vieillesse by TOPFM MAURITIUS
Mobilisation syndicale contre le relèvement de l'âge de la pension by TOPFM MAURITIUS
Lundi cordonnier : « Un coup de gueule symbolique pour exprimer notre mécontentement face à la réforme de la pension » by TOPFM MAURITIUS
Sophie hatte sich so sehr auf den Urlaub am Meer gefreut. Doch dann taucht überraschend Jana in der kleinen Pension auf und alles ist anders. Von Nina Petrick www.kakadu.de, Kakadu
Timestamps:4:26 - Should Swiss VCs raise money from pension funds?11:38 - Why Swiss pension funds invest so little in VC 20:45 - Are there regulatory barriers to investing pension fund money?41:00 - DeepTechNation's role in connecting money with talent43:33 - Should private citizens have a say in where pension funds go?This episode was co-produced with the Deep Tech Nation Switzerland Foundation.Click here to order your copy of “Swiss Startups” today.About Laurent Frésard:Laurent Frésard is a professor of finance at USI and the Swiss Finance Institute, and a pension fund board member, whose research has been published in several leading academic journals. He holds a PhD in Finance from Université de Neuchâtel.Laurent joined Merle to discuss the topic of investing pension funds in startups through Swiss VC funds. Although most Swiss pension funds are currently invested in bonds, stocks, real estate and cash, 5% of it goes into private equity or private debt. There are, however, some caveats to this type of investment: the investment must be made in entities located in Switzerland, and money cannot be borrowed to increase the size of the investment. Laurent argues that more Swiss pension fund money should be invested in Swiss startups, in a risk-controlled environment, to help bridge the funding gap for growth-stage Swiss startups. He warns that investment choices must not be network/politically based, but instead driven by neutral market expertise. Laurent and Merle also discussed the possibility of creating a “fund of funds”, meaning a fund of startup investing experts who would invest the money trusted to them by pension fund investors. The cover portrait was edited by www.smartportrait.io.Don't forget to give us a follow on Instagram, Linkedin, TikTok, and Youtube so you can always stay up to date with our latest initiatives. That way, there's no excuse for missing out on live shows, weekly giveaways or founders' dinners.
Three weeks ago, we dug into the details of what pet ownership can cost over the lifetime of a pet; however, those totals didn't include what fines you might get if your pet decides to run wild! We look at some cases of animals on the loose in Atlanta, including pet baboons, buffaloes, and pythons. According to the 2025 Retirement Confidence Survey, 67% of American workers feel confident in their ability to have enough money to live comfortably throughout their retirement, but that confidence is shadowed by deep concerns over potential cuts to Social Security and Medicare. We also explore shifting retirement timelines, rising health care costs, and growing demand for emergency savings solutions within retirement plans. K.C. shares the ins and outs of planning retirement with a pension—and the risks that often go overlooked, such as the lack of inflation protection to reduced survivor benefits and long-term funding concerns. We will also discuss why some employers are shifting toward hybrid models that include a 401(k) component to help fill the gaps. After the break, we unpack the jaw-dropping strategy known as “Buy, Borrow, Die”—a legal tax loophole the ultra-wealthy use to build massive fortunes, fund lavish lifestyles, and pass on wealth to heirs nearly tax-free. It's a masterclass in how America's richest sidestep income and estate taxes, exposing the widening gap between the tax code for the few—and the one for everyone else. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — July 12, 2025 | Season 39, Episode 27 Timestamps and Chapters10:12: Atlanta's Animals Running Wild15:43: EBRI 2025 Retirement Confidence Survey36:28: Retirement Planning with a Pension50:56: Buy, Borrow, and DieFollow Henssler: Facebook: https://www.facebook.com/HensslerFinancial/ YouTube: https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/
In this week's WealthTalk episode, Christian and Kevin dive deep into the major changes coming to inheritance tax on pensions from April 2027. They explain how these changes impact UK pension holders, why awareness and action are critical, and practical steps to protect your legacy. The discussion covers the basics of inheritance tax, the new rules for pensions, the benefits of consolidating pensions, and how SSAS pensions can offer unique advantages for business owners and families. The episode is packed with actionable advice, real-life scenarios, and essential tips to help listeners safeguard their wealth for future generations. Key Takeaways:1. What's Changing: From April 2027, pension assets will be included in your estate for inheritance tax purposes, potentially increasing tax bills for families.2. How Inheritance Tax Works: Understanding nil rate bands, residence nil rate bands, and how thresholds apply to individuals and couples.3. Why Consolidate Pensions: Multiple pensions can mean multiple fees and administrative headaches—consolidation can simplify estate planning and reduce costs.4. SSAS Pensions: How Small Self-Administered Schemes can offer flexibility, family involvement, and strategies to mitigate inheritance tax.5. Gifting Strategies: The difference between gifting from capital (subject to seven-year rule) and gifting from income (no seven-year rule).6. The Role of Wills & Trusts: Why pensions usually sit outside your will, and the importance of using trusts for life insurance and asset protection. Action Steps:Check your state pension status.Locate and consolidate your pensions.Learn about SSAS and its benefits for business owners.Review your estate planning, including wills, trusts, and powers of attorney. Building a Family Wealth Legacy: Involving the next generation, sharing financial wisdom, and using family wealth structures to maintain and grow assets. Practical Tips:1. Don't wait until 2027—start reviewing and organising your pensions now.2. Put life insurance policies in trust to avoid unnecessary inheritance tax.3. Use SSAS pension features like loanback and earmarking to support family wealth and business growth.4. Download the Guide - Click here to join the waitlist for the upcoming step-by-step guide on inheritance tax and pensions. Resources mentioned in this episodeDownload the Guide: Click here to join the waitlist for the upcoming step-by-step guide on inheritance tax and pensions.Connect with WealthBuildersListen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform
In this episode, Kelley Slaught discusses common financial mistakes that baby boomers make as they approach retirement. She emphasizes the importance of understanding Social Security, the necessity of early savings, and the rising healthcare costs that can impact retirement plans. Kelley also highlights the significance of balancing risk in investment portfolios, the emotional aspects of retirement decisions, and the need for flexibility in planning. Additionally, she addresses the importance of crisis-proofing retirement plans against economic downturns and the role of emergency funds. The episode concludes with listener questions, providing practical advice on various financial topics. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.
In this episode, Marty discusses the importance of maintaining control over one's financial future, addressing common insecurities many Americans face regarding their financial stability. He emphasizes the need for a comprehensive financial plan that includes understanding income sources, managing debt, and preparing for emergencies. The conversation also covers the benefits of annuities, the significance of not procrastinating in financial planning, and strategies for effective retirement savings. Marty encourages listeners to take proactive steps in their financial journey and offers his services for personalized financial planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.
La plateforme citoyenne « Pa tour nou pension » poursuit sa contestation contre le relèvement de l'âge d'éligibilité de 60 à 65 ans. Après plusieurs marches et rassemblements organisés ces derniers mois, elle entend maintenir la pression à travers une série d'actions, dénonçant ce qu'elle considère comme une injustice et un démantèlement de l'État‑Providence. Linda Lam, membre active de cette formation citoyenne, annonce une série de mobilisations dans différentes régions de l'île, accompagnées d'une pétition pour contester cette réforme. Elle précise qu'un « lundi cordonnier » est prévu pour le 14 juillet, action symbolique visant à exprimer le mécontentement populaire. Un grand rassemblement est également en préparation pour le mois d'août. Linda Lam affirme que si le gouvernement maintient cette réforme, il ne restera d'autre choix que de saisir la justice : « Il n'est pas question de ciblage. Nous refusons toute tentative de fragilisation du système universel », martèle‑t‑elle.
In this episode of the Retire Sooner podcast, Wes Moss and Christa DiBiase respond to listener questions and explore practical approaches to navigating retirement, investing, and financial planning. • Discover a common Roth IRA misstep that can lead to unexpected taxes in retirement and learn how to approach it with more clarity. • Explore the process of rolling over a Roth 401(k) into a Roth IRA and how the five-year rule of thumb might impact your withdrawal timeline. • Hear real-world scenarios that highlight different outcomes based on how long your Roth accounts have been in place. • Understand how to approach IRA rebalancing, including what to consider when dealing with concentrated stock positions and market changes. • Compare Social Security and police pension benefits while examining updates to the Social Security Fairness Act and what it could mean for spousal coverage. • Consider the use of retirement income projection tools and how applying more conservative assumptions may help you plan with greater confidence. • Reflect on a “retirement love letter” that reveals three powerful themes behind a fulfilling retirement: financial flexibility, lifestyle design, and intentional planning. • Follow the story of a couple who built a $6 million net worth, established six income streams, and prioritized meaningful pursuits and family in retirement. • Explore why consistent movement and a sense of adventure are strongly connected to retirement satisfaction—and how shared community living can sometimes support both. • Examine how changing family dynamics may shift your highest spending years later in life and why it matters for long-term planning. • Get a clearer understanding of buffered index-linked notes, including their structure, potential costs, and how they differ from ETFs and other options. • Learn how to calculate the present value of a pension using basic inputs such as years of service and average salary. • Hear answers to more listener questions, including how stay-at-home spouses may qualify for Social Security and what pensions might mean for younger professionals. Listen now to explore thoughtful planning strategies, real retirement stories, and insights that can help you design a future with more purpose and peace of mind. Learn more about your ad choices. Visit megaphone.fm/adchoices
Themen: Änderungen bei der Pension und NEOS-Abgeordnete, die nicht auf Regierungslinie abstimmen
Themen: Änderungen bei der Pension und NEOS-Abgeordnete, die nicht auf Regierungslinie abstimmen
#SafeMoney #JonHeischmanSr #DestinationRetirementHost Jon Heischman, Senior talks about having success with clients when their destination is retirement! Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 07/12/25 – HERO’S Talk Radio Read More » The post 07/12/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..
At Y Street Capital, we are specialists in storage and light industrial. If you are interested in getting exposure to a portfolio of storage projects including retail, industrial and boat & RV, our storage fund might be perfect for you. To learn more visit ystreetcapital.comOn today's show we are talking about how pension funds manage asset allocation and whether individual investors can learn anything from mirroring what the world's most professional money managers do.Pension funds are the bedrock of retirement security for millions worldwide. Their primary mission is to ensure that future liabilities the pension payments promised to retirees can be met. Achieving this delicate balance between growth and stability hinges critically on their asset allocation decisions. So the obvious question for each of us as investors is, what is our ideal asset allocation? Do you think of it consciously?-----------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1) iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613) Website: [www.victorjm.com](http://www.victorjm.com) LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce) YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734) Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso) Email: [podcast@victorjm.com](mailto:podcast@victorjm.com) **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com) Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital) Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)
Veterans with wartime service who are 65+ or disabled may qualify for up to $2,358 monthly with Aid & Attendance. Surviving spouses can receive up to $1,515 monthly. Eligibility includes a $159,240 net worth limit, excluding your home and car. Sage Senior Support City: Grapevine Address: 1452 Hughes Rd Website: https://www.sageseniorsupport.com
Jim and Chris answer listener questions on Social Security family maximum rules, spousal and disabled child benefits, defined benefit pension concerns, and 401k managed payout funds.(7:45) A listener is trying to understand how the Family Maximum Benefit might reduce the amounts paid to his spouse and disabled adult child once he claims his own retirement […] The post Social Security, Pension Buyouts, and Managed Payout Funds: Q&A #2527 appeared first on The Retirement and IRA Show.
The June jobs number looks stronger than it really is I want to be clear; I wouldn't say this was a bad report, but the headline number that showed an addition of 147,000 jobs in the month of June doesn't show the full picture. The number did come in well above the estimate for 110,000 jobs and it follows upward revisions in the months of April and May that have totaled 16,000 jobs, but the concerning part I saw was government accounted for 73,000 new jobs in the month of June. This did not come from the federal government as that actually saw a decline of 7,000 jobs, but rather it was state and local governments which added a combined 80,000 jobs in the month, most of which came from education. The speculation is that this had something to do with seasonal adjustments and that obviously gains of that magnitude will not continue moving forward. Other areas that were strong included healthcare and social assistance, which was up 58,600, leisure and hospitality, which was up 20,000, and construction, which was up 15,000. Many of the other areas in the report were quite muted and manufacturing and professional and business services actually saw a decline of 7,000 jobs each in the month. There was good news on the unemployment rate as it ticked down to 4.1%, which was the lowest level since February and came in below the expectation for 4.3%. Unfortunately, this largely came due to the decline in the labor force participation rate, which dropped to 62.3%. This was the lowest level since late 2022. The problem here is the working age population continues to shrink, while the retirement population continues to grow. In fact the prime working age participation rate was recently near a record high of 83%. A potential problem to future job growth is the fact that we are running low on workers in their prime. This report largely erased any chance of a Fed rate cut in July, but I would say there was more positive news on the inflation front as average hourly earnings saw a manageable year over year increase of 3.7%. As I said, this wasn't a bad report and in fact I would say it continues to show that the labor market is in a good spot for the most part, but it definitely wasn't an overly strong report in my opinion. Job openings remain strong The Job Openings and Labor Turnover Survey, also known as the JOLTs report, showed job openings rose 374,000 in the month of May to 7.769 million. This easily topped the estimate of 7.3 million and it also comes during a month where layoffs declined 188,000 to 1.601 million. While this is positive for the economy and shows the labor market remains resilient, it does hurt the chances of a July cut from the Federal Reserve. Fed chair Powell during a panel said, ““In effect, we went on hold when we saw the size of the tariffs and essentially all inflation forecasts for the United States went up materially as a consequence of the tariffs.” With the labor market staying strong and many Fed members likely waiting for more data on how tariffs are impacting inflation, I would be surprised to see a cut in July. Although there have been a couple members saying a cut in July is possible, I still believe it would come as a surprise as many other members have expressed their desire to remain patient. I can see the case for a July cut, but I believe it is more likely we will see one in a couple months at the next meeting in September, if inflation remains in check. Why did Apple produce the new movie F1? Apple is obviously known for the iPhone, the iPad and the Mac, but a top producer of mega hit movies, not so much. Since 2019 they have tried to produce big hit movies like Killers of the Flower Moon in 2023 that starred Leonardo DiCaprio and Robert DeNiro, but the world box office receipts were only $159 million. Another hit movie they tried for that ended up as their top movie in 2023 was Napoleon with $221 million in box office receipts. So why did Apple agree to spend almost $250 million more to produce F1, which stars Brad Pitt? No one seems to understand. Brad Pitt will be paid $20 million for this movie and will get a cut of the films revenue if it's a hit. It does have some chance for success since it was directed by Joe Kosinski and produced by Jerry Buckheimer, who were successful with Top Gun Maverick as that movie grossed $1.5billion in 2022. This past weekend F1 was the top box office hit with $55.6 million, but it appears to be struggling with the mass audience as most viewers were older men like myself who love cars and racing. I have not seen the movie yet but would like to soon. Apple seems to struggle in this space as it is spending billions of dollars annually but continues to lose on the development of hit movies. Apple TV+ only has roughly 27,000,000 subscribers and is known for subscribers canceling their subscription after watching a particular show or movie. Netflix has a 2% cancellation rate while Apple's is 6% in any given month. It's also interesting to note that the big movie production house Warner Brothers is responsible for distributing F1 and will receive a percentage of box office revenue that increases as ticket sales rise. There is some concern that in less than two weeks, Warner Brothers will be releasing their hit movie Superman and that could override the promotion of F1. If you want to see the movie F1 and you have Apple Pay you can get a discount on the tickets, which is something Apple has never done before. I won't make any judgments on the movie till I see it myself, but I don't see this boosting the lagging stock price of Apple and I do not understand why they're in the movie business. Don't be fooled by ultra-high-income ETF's I wouldn't think I would have to warn people that if you're being offered a yield of 100% or more on a fund, the risk has to be extremely high and there is probably a good chance for loss. However, with that said this year alone $6.4 billion of new money has been placed into these high-risk funds that I assume are unsuspecting buyers who don't really understand how these funds work. Regulatory filings show that at least 95% of these ETFs are held by individual investors or small financial advisors. The way they generate this high income is by trading options contracts on a single stock. It is misleading how they come up with those ultra-high yields of 100% plus as they take the ETF's payout from option trading in the most recent month then multiply it by 12 and divide it by the fund's net asset value. As an example, we can go back to November 2022 when a fund called the YieldMax TSLA Option Income Strategy ETF (TSLY) sold options on Tesla stock and promoted the yield was 62.8%. The fund has now dropped down to under $9 a share, roughly a 80% drop in the fund. This is somewhat surprising to most since during that timeframe Tesla stock is up around 70%. Sometimes people think just because there's income or a nice yield that the fund is safer, but investors should remember that in most cases, the higher the yield the higher the risk. Financial Planning: Pension lump sum vs monthly income? When deciding between taking a pension benefit as a lump sum or monthly payments, it's helpful to compare the guaranteed income stream to the return you'd need on the lump sum to generate the same income yourself. Monthly payments offer steady, reliable income for life, essentially acting like a personal pension annuity, but most pensions do not include inflation adjustments, meaning the purchasing power of those payments may decline over time. Additionally, choosing a joint life annuity to continue payments to a surviving spouse will offer a lower monthly amount compared to a single life annuity. Since Social Security income drops when the first spouse passes, a joint annuity is usually more appropriate than a single life annuity to help maintain household income for the surviving spouse. In contrast, rolling over the lump sum into a retirement account gives you full control and the potential for growth. It also provides flexibility to structure income in a tax-efficient way allowing you to manage taxable distributions around other income sources, perform Roth conversions, or plan for inheritances and legacy goals. To make an apples-to-apples comparison, it is helpful to calculate the internal rate of return (IRR) you'd need to earn on the lump sum to replicate the monthly pension payments over your expected lifetime. For example, if your lump sum is $500,000 and your pension offers $3,000/month for life, you'd need to earn a little over 5% on the lump sum to match that income. Keep in mind, the lump sum is also an income source and this return calculation can help clarify whether the guaranteed income or potential flexibility and growth better align with your overall financial plan. Companies Discussed: The Goldman Sachs Group, Inc. (GS), Robinhood Markets, Inc. (HOOD), Centene Corporation (CNC) & Columbia Sportswear Company (COLM)
You don't need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals:https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call"Will your pension, Social Security, and TSP really be enough to maintain your lifestyle in retirement?"
Martin looks at Lifetime ISAs, after a report was published by the Treasury Committee on the future of the first time buyers savings account, he explains the basics of them and answers questions on who they are good for, who they don't work for and when is the best time to open one.Energy bills dropped 7% this week, Martin explains what people should be doing, and most importantly what happens next.Martin reacts to reports the Chancellor is to drop cash ISA allowance in her Mansion House Speech on 15 July.Mastermind tests if Adrian knows when you are covered by Section 75 Consumer protection.And there's a new top savings account that's a bit different isn't there?
It's another mixed bag of your questions, taking everything from investing in offshore funds to evening up pension funds between spouses and lots more besides! Shownotes: https://meaningfulmoney.tv/QA19 00:57 Question 1 Hello Pete & Roger I am a regular listener to you show, love it and keep up the good work. My question is… I have a full 6 months emergency fund, I have no credit card debt or personal loans, I have a mortgage and I have just started investing 5% of my wages every time I get paid into the Vanguard all world tracker fund (keeping it simple) I have a new car every 4 years on PCP (so I basically lease it) as I always chop in for a new car and never pay the balloon payment at the end, this PCP is at 8%. I would like to hear your thoughts on weather investing is still okay to do along side this, the reason for having a new car is that I use it until the warranty expires and then change due to rising repair costs and hassle free motoring. I have brought older cars outright in the past and always ended up costing me more in repairs over the years. I am planning on leasing my cars for the permanent future so if I do not start investing now I will never have a chance to invest, and I do not see leasing at car as a loan as such, more of a permanent lease. Feel free to shorten my message to suit and excited to hear your thoughts, all the best. Adam 10:10 Question 2 Hello Pete and Rog! First of all, a huge thank you for all the valuable content you share – I really appreciate it! Keep up the fantastic work! I had a quick question that's a bit technical (apologies in advance!), but I was wondering if you might be able to cover the topic of UK-registered funds when investing in a GIA on the podcast? I've heard that non-UK registered funds are taxed at the income tax rate rather than the capital gains tax rate. Is the best approach to check the ISIN against the list of UK-registered funds, even if the investment is made through a non-UK exchange (e.g., Amsterdam or Ireland)? Also, when a new client comes to you with non-UK registered funds, how do you typically address this issue? Thanks again for all that you do – really appreciate it! Best, your #1 Fan! 14:00 Question 3 Hi Pete / Roger Thank you for your great work with your Q&As. Your cashflow ladder idea is great advice but when I look at graphs of cautious, balanced, growth funds they all go up and down at the same time. Over the last 10 yrs every time there has been a big market fall all the funds I looked at (at all risk levels) recovered with 32 months max. If 2-3 years cash is held on the 1st rung of the ladder why shouldn't I hold the rest in growth/agg funds? The cash rung will ride out the fall / recovery so I may as well put my money in a fund with the most growth potential? What am I missing? Stephen 19:57 Question 4 Hi Pete and Roger, Thanks for all you do. Your Podcasts and YouTube content has helped me get to retirement early. I have a number of investments in my Pension which are there to continue to grow hopefully over time. I have a well diversified portfolio mainly using trackers. I want to try to drop a particular individual investment from my portfolio that forms part of the Magnificent Seven, and is therefore part of a lot of the trackers I have. Unless I buy the FTSE Global index as individual shares can you see a way I cannot be in this one companies shares? Not sure there is an answer. Much appreciated, Chris 24:11 Question 5 Hello Love your podcast, I thought I was fairly clued up on pensions/finances but I have learnt so much more from your podcast. I recommend it to everyone! Especially my husband, who has so far failed to do so, he leaves the finances to me (which is probably why we are in this position as he has not addressed his pension). My question is: Our pension pots are very unequal, we're both 47. I have 2 DB pots (combined are due to pay out circa 14k from age 65). I am also on track to have around 750k in a private pension by the time I am 57, and am planning to retire at this point. My husband currently only has around 18k in a private pension, and is retraining as a teacher so he will only have a small DB pension not accessible until 68. He will therefore need to continue working for a few years after I retire. I will need around a 2k a month in retirement, but I am thinking I can take up to £67k per year from my pension (so to remain in the 20% tax band). Use 24k for myself, and then we pay the remaining 43k into husbands private pension (or however much his earnings allow). If he is a higher rate tax payer by then, he would gain a 40% uplift on this or if not he will still get the 20% uplift back so we aren't losing out. One of the main reasons for doing it would be to even the pensions out so that we can both withdraw tax efficiently in future, rather than me having to withdraw from my pension for both of us and so paying more tax. It seems like a no brainer but please let me know if I have missed something really obvious. Thanks in advance! Sarah 29:02 Question 6 Hello gents, If you pay a charity and claim gift aid within a given tax year, does that take your income down when calculating benefit calculations? E.g. if I earn £101k p/a and I give £2k to charity and (gift aid it), does that effectively bring my income below the £100k threshold for child government support like free childcare hours? Thanks, David
Think pensions are simple? Think again. Jake and Cory break down four important things to know before making your pension decision. They cover payout options, tax implications, survivorship benefits, and ways to align your pension with your overall financial plan. They break it all down with real stories, smart strategies, and a few laughs. --------------- Complimentary ‘Retiring Right' ebook: https://bit.ly/3I7UwSF Subscribe to our weekly newsletter: https://bit.ly/43RcVve Contact our team: https://bit.ly/43wksOJ --------------- Upticks is your podcast for financial planning insights. Hosted by Jake Falcon, CRPC™ and Cory Bittner, CRPC™, who discuss the philosophy of wealth management, exploring tailored retirement plans, tax planning, and timely industry topics. Join us for concise, understandable discussions that help empower your financial literacy. --------------- Connect with Jake Falcon, CRPC™ https://www.facebook.com/jake.falcon.524 https://www.instagram.com/jake_falcon_crpc/?hl=en https://twitter.com/jakefalconcrpc https://www.linkedin.com/in/jakefalconfalconwealthadvisors #retirementplanning #pensionoptions #financialfreedom #wealthmanagement #retirewithconfidence #moneytips #financialliteracy #lumpsumvsannuity #taxplanning #personalfinance
With a new financial year upon us, Nightlife thought it timely to find out what changes there are to the pension, and the associated benefits.
HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 07/05/25 – HERO’S Talk Radio Read More » The post 07/05/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..
If your pension impacted your ability to collect Social Security benefits, 2025 is a very good year for you and your spouse. The Windfall Elimination Provision and the Government Pension Offset are no more, and you're now eligible for your full Social Security benefits AND your pension! Today on a quick Your Money, Your Wealth® podcast number 536, while Joe hangs in the North Star State, Big Al Clopine explains what the Social Security Fairness Act means for Cherilyn and her husband, and "Nuke La Loosh" and his wife, with the help of our special guest co-host, Susan Brandeis, CFP®. Free financial resources & episode transcript: https://bit.ly/ymyw-536 DOWNLOAD The Social Security Handbook (newly updated!) for free YMYW ranked among the "14 Best Retirement Podcasts and Blogs to Follow" by Due.com, featured on NASDAQ.com ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Can I Qualify for Half of My Wife's Social Security Now That WEP and GPO Are Gone? (Nuke La Loosh, Northern CA - voice) 08:16 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA) 12:58 - Comment: Your TV Show and Guide on Social Security Are Out of Date (Helen, San Diego) 14:11 - Comment: Even If the TV Show Doesn't Pertain to You Directly, You Can Inform Someone Else (Catherine) 14:39 - Social Security Handbook (newly updated!) - download for free 15:00 - YMYW ranked among the "14 Best Retirement Podcasts and Blogs to Follow" by Due.com, featured on NASDAQ.com 15:21 - Next Week on the YMYW Podcast
Indian retirement planning for long has been centered on your children being successful and them supporting you in your golden years. But, times are changing, with the rise of nuclear single child households, new pension options and easier access to capital markets, retirement planning also has to change. In this conversation, Deepak and Shray discuss the various options you have to set up a retirement corpus. Be it investing in a pension scheme or managing your own investments, they provide the pros and cons as well as the steps you need to take to do so. They also suggest policies that if implemented, could make retirement planning simpler. The earlier the better is the mantra for retirement planning and this conversation will help you get started. 00:00 - Intro 01:18 - Choosing Your Retirement: NPS or UPS? 15:36 - The real math behind the Unified Pension Scheme 22:33 - Can private sector employees build their own pension? 28:54 - Forced Savings: A behavioral take on long-term wealth 35:43 - Guarantees, gradually: structuring safer payouts as you age 39:33 - Tax efficiency and corpus optimization 44:17 - Managing Volatility: Behavior & long-term thinking 51:27 - The structural risk behind public pension guarantees 57:55 - Belief in the System: Will pensions and markets survive? 01:03:13 - Where do I even start? 01:14:52 - Why India needs its own 401(k) 01:19:36 - The roadblocks to retirement reform 01:23:44 - Will Equity Returns Moderate?
This week I flashback to a podcast from 2021! While it is a few years old its a common and important question. Key takeaways How big your pension should be when you start drawing down income How big your pension should be at various stages of your life What you can do if it's not as big as you would like it to be! How to live 14.9% longer! I hope it helps! Disclaimer
Vogelgrippe, Kampfhunde, PFAS oder Tierschutz: Hans Wyss hat als Direktor des Bundesamtes für Lebensmittelsicherheit und Veterinärwesen mit emotionalen Themen zu tun. Nach über 20 Jahren im Amt geht er nun in Pension. In seiner Arbeit an der Schnittstelle zwischen menschlicher und tierischer Gesundheit befinde man sich stets in einem Spannungsfeld, sagt Wyss. Besonders prägend hat er die Rinderwahn-Krise in Erinnerung, das sei eine fordernde Zeit gewesen. Es sei ihm immer wichtig gewesen, gut zu kommunizieren, die Bevölkerung breit zu informieren. Dabei habe ihm seine berufliche Vergangenheit geholfen: Wyss arbeitete als Sportjournalist bei Radio DRS. Bevor er Ende August in Pension geht, ist er zu Gast im Tagesgespräch bei Simone Hulliger.
This case of a withheld military pension was highlighted on RTÉ's This Week programme earlier this month, and there has been a significant development in it today Justin McCarthy - Presenter of This Week to tell us more.
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, John Harcar interviews Mike Turner about his innovative approach to building a real estate pension through mobile home investments. Mike shares his journey in real estate, the challenges he faced during market downturns, and how he pivoted to create a sustainable cash flow model. He emphasizes the importance of advocacy in real estate financing and how his model not only benefits investors but also addresses affordable housing issues in the community. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Join Jeff Black, Global Leader of Mercer's M&A Advisory Services, in this episode of the Delivering the Deal podcast as he speaks with Dan Jackson, Senior Principal and Pensions Actuary at Mercer, and Nick Gibson, ManagingDirector at Cardano Advisory. They delve into the transformative recent changes in the UK Defined Benefit pension landscape and how these shifts are creatingnew avenues for investors to unlock value from businesses with these pension plans. Learn how these developments can enhance deal-making strategies and present unique opportunities for global investors looking to create value through pension surpluses. Tune in for actionable insights that connect investment strategies with the evolving pension landscape, empowering you to maximize deal value in today's market.
Pensions can provide a valuable source of retirement income, but deciding whether to stick with a job solely for the pension is more complex than it may seem. In this episode of A Wiser Retirement® Podcast, we give a breakdown of the key benefits and trade-offs of relying on a pension, and how to assess whether it's the right move for your financial future.Related Podcast Episodes:- Ep 137: Financial Planning in Your 50s Related YouTube Videos:- How Much is Social Security Reduced if I Have a Pension?- What's the difference between pensions and IRAs?Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!
In some cases the carefully made knockoffs are so good you can't tell the difference. That applies to the current unrest too. What's happening in California is for public consumption. Chemical peels leave you red. The narrative is driving division, as planned. Strange that LA's homeless camps are empty during the riots. All of our issues are from the Northern border. Kash Patel has told us. It's about money laundering, drugs and high dollar crime. Who's funding the immigration attack fronts. The AFL/CIO is in the middle of this, with the peoples money. Liberals are usually union paid. You bought those masks. BLM and right wing media Are all those arrested working for foreign governments. The Chinese triad family and the latest shootouts. Most of what is happening is planned and operational mis-direction. What President Trump is doing with Iran is perfect. The Greta re-used operation. Israel tests the waters. Bleeding hearts work. The Euro Union will never fight them. There is so much going on, it is difficult to track it all. With everything that's coming, it will take a full community effort to stay informed.