Podcasts about Pension

In this episode of Kelley's Bull Market News, Kelley Slaught discusses the common mistakes retirees make and how to avoid them. The conversation covers various traps in retirement planning, including the importance of having a clear income strategy, the risks of cashing out retirement accounts, and the need for effective tax planning. Kelley emphasizes the significance of diversification and modern strategies in retirement planning, as well as the lifestyle traps that can derail financial stability. The episode concludes with listener questions, providing insights into specific financial concerns. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty uses Jimmy Buffet lyrics to compare to a good retirement mindset and then moves into a conversation about good savings strategies to walk through that retirement roadmap. He also discusses the importance of transitioning from risk to a safer approach in retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

The Japanese government plans to raise basic public pension benefits for the fourth straight year in fiscal 2026, reflecting wage increases, it was learned Friday.

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, … 12/27/25 – HERO’S Talk Radio Read More » The post 12/27/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Det börjar nalkas jul och i dagens avsnitt blir det snack om den nya svenska hårdrocks-komedifilmen som kommer nästa år där rockklassiker kanske har en liten cameo i. Vi får också Fyrebos fantastiska fakta med speciella jultraditioner från välden, till exempel om gurkor som göms i granen. Hasse börjar värma upp sin rimstuga och ger oss bl.a. rim om en slush-maskin och Jonas spånar om vad det positiva är med en grön jul.Morronrock med Jonas Hasse och Linda hör du varje dag mellan 05.30 - 09-00.

Kelley opens the podcast with a discussion on inflation and how attention needs to be paid to the right growth assets in retirement. She also stresses the importance of planning contingencies for the unexpected events and the costs that could derail your retirement. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses the evolving landscape of retirement, emphasizing the importance of planning for longevity, staying active, and maintaining social connections. He addresses common concerns about financial stability, healthcare costs, and the realities of retirement savings. The discussion also covers the significance of customized retirement plans, the role of risk management, and the impact of market volatility on investment strategies. Listener questions provide real-life scenarios, highlighting the need for comprehensive planning and preparation for a fulfilling retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, I discuss the pros and cons of taking a pension plan or a commuted value. There is a framework to use to choose between the pension or the commuted value. It's all about dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/ Get your Investment roadmap: https://dividendstocksrock.com/roadmap

If you’ve got a bit of extra cash each month, what’s the smartest thing to do with it? Should you overpay your mortgage, invest in an ISA or pay more into your pension? It sounds simple, but making the wrong choice could leave you tens of thousands of pounds worse off over the long term. We’ve crunched the numbers and uncovered which option could leave you significantly better off. This week Andrew Oxlade is joined by Marianna Hunt to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

How long will your retirement savings really last? Frank and Frankie Guida explore the myth of the “magic number” and reveals why your retirement plan must be as unique as you are. Learn how income sources, expenses, and smart strategies can help you make the most of your savings, avoid common pitfalls, and adapt to changing needs throughout retirement. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy 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, … 12/20/25 Read More » The post 12/20/25 appeared first on HERO'S Strategies, Inc..

In this end-of-year special, Sarah Coles and Helen Morrissey look back at the key money themes of 2025 and what they mean for savers, investors and retirees.They discuss how market volatility following global trade tensions tested pension investors' nerves and why taking a long-term investing approach matters.This podcast isn't personal advice. If you're unsure what's right for you, seek financial advice. Pension and tax rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

#SafeMoney #JonHeischmanSr #LongevityRiskUpdateWhile there many risks facing retirees; Market, Inflation, Tax, Excessive Withdrawl, Healthcare, the current number one is Longevity. Longevity risk means outliving your money.Jon has covered this subject before and discusses strategies to ensure you will not outlive your retirement income in this updated episode.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.

Judy Dempsey addresses the industrial crisis in Germany, specifically the auto industry's struggle against Chinese electric vehicles. She notes that Chancellor Merz is avoiding necessary pension reforms due to political pressure, while the rise of the AfD and a shifting transatlantic relationship further complicate Germany's economic stability. 1860 BECHTESGADEN

General Electric Company v. Boilermaker-Blacksmith National Pension Trust

Are we at a watershed moment in UK PLC's attitude towards pensions? Will pension schemes start to be seen as an asset, instead of a liability to be managed? In this Quick Take episode, we're joined by LCP Partners Steve Hodder and David Fairs to discuss a first-of-its-kind transaction, where Aberdeen Group has taken over as sponsoring employer of the £1.2bn Stagecoach Group Pension Scheme (a DB pension scheme). In particular, we discuss what happened, motives of the different stakeholders (Aberdeen, Stagecoach, and perhaps most importantly, members) and what this might mean more broadly for both regulation and UK PLC behaviour.

Today on Your Money, Your Wealth® podcast 560, Joe Anderson, CFP® and Big Al Clopine, CPA spitball business development company (BDC) funds for Edward in Illinois before diving into buckets of cash, T-bills, decumulation, and Roth conversion timing for Pebbles and Bam Bam. Plus, the fellas help 34 year old Keith in Connecticut figure out if he's actually on track, whether he's taking too much risk, or just worrying too much. They also spitball on the six-figure annuity gain that Gus in Philly's 95 year old dad has amassed. Finally, why yelling "never pay an advisor" on the internet doesn't necessarily magically turn MYGAs into the perfect investment for everyone. (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from a January 2025 episode.) Free Financial Resources in This Episode: https://bit.ly/ymyw-560 (full show notes & episode transcript) 10 Steps to Improve Investing Success - free download Tax-Smart Charitable Giving Guide 6 Secrets to Bigger Tax Deductions from Your Non-Profit Donations - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This week on the YMYW Podcast 01:03 - What's the Risk With Business Company Development (BDC) Funds? (Edward, IL) 03:58 - T-Bills, Decumulation, IRAs, and Investing Strategies (Pebbles & Bam Bam, Kentuckystone) 12:02 - I'm 34. Are My Investments Appropriate for My Time Horizon? (Keith, CT) 17:59 - MYGA Retirement Withdrawal Strategy for Dad (Gus in Philly) 23:00 - Just Buy Multi-Year Guaranteed Annuities (MYGAs) and Bonds (comment from Ken, YouTube) 28:04 - YouTube comments: State Taxes, Pro-Rated Sale of Primary Residence, Bonds vs. Pension, and PERMA 35:27 - YMYW Podcast Outro

10 Jahre lang war Madeleine Betschart Direktorin des Centre Dürrenmatt in Neuenburg. Nun geht sie per Ende Jahr in Pension. Ein Tagesgespräch über Friedrich Dürrenmatt und darüber, wie es ist, sich jahrelang mit einem einzigen Künstler zu befassen. Vor 35 Jahren ist Friedrich Dürrenmatt gestorben, kurz nachdem er die Schweiz noch einmal aufgerüttelt hat, als er sie in einer Rede mit einem Gefängnis verglich. Was hat uns der politisch engagierte Schriftsteller heute noch über die Schweiz zu sagen? Und was zur unübersichtlichen Weltlage? Im Centre Dürrenmatt steht der Schriftsteller zusammen mit dem Maler und Zeichner im Zentrum. Auch wenn er mit seinen Theaterstücken und Büchern berühmt wurde, war das Bildnerische für Dürrenmatt genauso wichtig. «Das zeigt sich darin, dass auf Dürrenmatts Schreibtisch stets zwei Stapel Papier lagen – ein Stapel Schreibpapier, ein Stapel Zeichnungspapier», sagt Madeleine Betschart. Die langjährige Museumsdirektorin wird per Ende Jahr pensioniert. Wir blicken zurück auf eine Laufbahn, welche die Archäologin vom Museum Schwab in Biel über das Alimentarium in Vevey nach Neuenburg zum Centre Dürrenmatt gebracht hat und fragen, welches Ausstellungsstück sie gerne nach Hause mitnehmen würde.

Private equity is entering a period of adjustment after decades of expansion fueled by falling interest rates and abundant capital. That long-running tailwind reversed beginning in 2022, when interest rates rose sharply, disrupting deal activity, slowing exits, and bringing renewed attention to a long-standing vulnerability in private markets: liquidity. Industry reports have highlighted softer fundraising, longer holding periods, and growing pressure on pension funds and other long-term investors to generate cash distributions. At the same time, advances in AI, cloud computing, and on-demand development talent are lowering the cost of building companies, reshaping how entrepreneurship and private capital intersect.So, what happens to private equity—and to entrepreneurs—when liquidity dries up, valuations adjust quietly, and technology makes it cheaper than ever to build a business?Welcome to the fourth and final episode of our mini-series on the alternative asset market. Tuesdays with Morrisey host Adam Morrisey welcomes Dr. Ken Wiles, a clinical professor of finance and the Executive Director of the Private Equity Center at the McCombs School of Business at the University of Texas at Austin. In this episode, we explore the evolution of private equity from the early LBO era to today's liquidity constraints, and why Dr. Ken believes this is the best time in history to be an entrepreneur.With decades of experience spanning investment banking, software, restructuring, and academia, Dr. Ken brings a rare blend of practitioner and academic insight into private markets.Top TakeawaysDr. Ken explains how lower discount rates, the development of the junk bond market, and abundant inefficiencies in the 1980s created the perfect runway for PE to grow from a niche into a $22T asset class.When the Fed raised rates at the fastest pace in its history, valuations dropped sharply. Unlike public markets, however, private-market declines play out quietly. Fundraising slowed, deal flow fell, and many firms extended maturities, restructured portfolios, or “extended and pretended” — largely out of view of anyone outside the industry.“Liquidity doesn't matter until it does and then it's the only thing that matters.” According to Dr. Ken, liquidity is the biggest risk in private equity today. Pension plans, which provide two-thirds of all PE capital, aren't receiving distributions as quickly. Without liquidity, returns fall, fundraising slows, and many funds will struggle to raise their next fund, which may lead to consolidation across PE and VC.Dr. Ken sees the rise of new technologies leading to a new golden age in entrepreneurship. “This is the  greatest period to be an entrepreneur or have an idea in history. It's amazing. Thanks to AI, cloud infrastructure, and on-demand development talent, the cost of building a company has collapsed. Tasks that once required millions and large teams can now be executed by small groups in weeks. Barriers to entry have never been lower.”Topics CoveredThe origins and evolution of private equityThe impact of interest rates on four decades of private equity returnsThe 2022–2024 “private market crash” no one sawLiquidity challenges and their impact on pensions and fundsHow private credit prevented a maturity crisisManipulated unicorn valuations and extend-and-pretend dynamicsThe new economics of entrepreneurship in an AI-enabled worldCollege students, AI, and modern career preparationThe shrinking operating costs of building softwareEntrepreneurship through acquisition and the rise of search fundsWhy more businesses will be built with smaller teamsThe growing consolidation of trades, CPA firms, and local service businessesThe future of private equity, venture capital, and public markets interplayDr. Ken Wiles is a Clinical Professor of Finance at the University of Texas at Austin and Executive Director of the Hicks, Muse, Tate & Furst Center for Private Equity Finance at McCombs, where he focuses on private equity, valuation, and corporate finance. He brings decades of practitioner experience as a former COO and CFO of multiple companies, including firms taken public and one sold to Oracle, as well as a leader of restructuring, investment banking, and asset management firms. Widely published in leading academic and practitioner journals and a former chair of the Nevada Economic Forum, Dr. Ken also serves on investment committees and boards, bridging academic insight with real-world private market expertise.

Servitude; Bondage; Slavery; Critical topic; Debt; "gods many"; "son of God" title; Firing the moneychangers; Statues; Abraham's story; Defining "servitude"; "Inalienable rights"; "Covenants of the gods" book; Sureties for debt; Sharing with the needy; Pension story; Imagined entitlements; What a free government looks like - Leviticus; 13th amendment; Corporate persons; Worshipping metaphors; Workers of iniquity; Learning how to be free; "Altars"; Q from Mark: Employment?; Protection?; Bondage of Egypt; Consequences of oppression; Social Security insurance?; Christ's answer; Taxes vs tithes; Moses freeing the people; Asking the right teacher; "Saved already"?; Modern Christians mimicking pharisees; Q from Katwellair: Noahide laws?; Mark responds; Idolatry; Gen 9:4; Tearing from neighbors' flesh; Loving neighbor; Daily sacrifice; Acquiring wisdom; Christ's commands; Taking back your responsibilities; Body of Christ; Levites; "Corvee"; Amish?; Masses yearning for free stuff; "Judeo-Christian values"?; vs Covetous practices; Family corporation; Rev 18:11; What happens after death?; Surrendering; Seeking His kingdom and righteousness; Simplicity of Christ's process; Collapsing the economy; Gathering in Tens, Hundreds and Thousands; Possession; "Cash"; Centering your faith; Private interpretation; Fear not!

On this episode of the Finest Unfiltered John, Eric and Marlon discuss the continued blatant Tammany hall style corruption coming out of NYC and discuss the retirement announcement of Deputy Mayor of Public Safety Kaz Daughtry. We ask is he is a Deputy Mayor, is he a Deputy Commissioner or is he a detective? Is he a Uniformed Member of the service or is a Civilian member. ️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! https://streamyard.com/pal/d/5689366474915840 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ted Dabrowski (Wirepoints co-founder & Republican candidate for Governor 2026) joins Pete Jansons and Joe Weiss to drop truth bombs: how to slash your property taxes, end the pension disaster, bring universal school vouchers, repeal SAFE-T Act, and stop Illinois families fleeing to Texas & Florida. Zero filter, all solutions.Key Moments:0:00 – Ted's father jumps communist ship to escape Poland9:49 – Why Ted is running for Governor17:31 – Illegal immigration driving up property taxes & rents20:04 – 850 school districts & insane superintendent salaries26:19 – Dolton superintendent makes $500k+ while kids can't read31:38 – Pension crisis explained like you're in a cab44:40 – Repeal SAFE-T Act, bring back cash bail, back the police54:47 – Universal school vouchers & why Democrats block them1:12:37 – Meet Ted NEXT Saturday Dec 20, 9–10:30am @ Duffers (free breakfast!)Support Ted's campaign:

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 Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense 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.

We discuss the recent Memorandum of Understanding between Ottawa and Alberta, its fallout, Carney's masterclass of doublespeaking, and Canada's general abandonment of climate ambitions. We also talk about First Nations in Ontario, clean drinking water, Doug Ford, tipping points, optimism, data centres and asbestos. Stefan interviews activist and organizer Aliya Hirji about her work with a lawsuit against the Canadian Pension Plan Investment Board.

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, … 12/13/25 – HERO’S Talk Radio Read More » The post 12/13/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Marriage, kids, and money — three things that can make life beautiful and stressful at the exact same time. But how do you build wealth and still have time for your family? Finance coach Andy Hill faced this exact question, and his answer was a step-by-step approach that feels doable and actually creates time freedom. In this episode, he shares how he and his wife went from a negative $50K net worth to building generational wealth for their family. You'll walk away with ideas to teach your kids money habits early and make giving fun! Topics discussed: Introduction (00:00) Andy's path to becoming a finance coach (00:59) Mission of the Marriage, Kids, and Money podcast (04:19) What it means to "create your own pension" today (06:43) Lessons in talking money and working with your spouse (09:15) How becoming a parent changed his view on money (12:21) Why he brings his kids on the podcast (16:08) Tips for parents to teach their kids good money habits (19:15) The 60/40 generational wealth plan for kids (21:11) Fintech tools that make teach money habits easier (22:18) The power of giving and how to make it fun for kids (23:26) Key takeaways from his book, Own Your Time (27:56) What brought you JOY today? (30:41) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Andy Hill: LinkedIn: https://www.linkedin.com/in/andyhillmkm/ Instagram: https://www.instagram.com/marriagekidsandmoney/ YouTube: https://www.youtube.com/MarriageKidsandMoney Facebook: https://facebook.com/marriagekidsandmoney Website: https://marriagekidsandmoney.com/ About Our Guest: Andy Hill, AFC®️is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With over 10 million podcast downloads and video views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.  His debut book, "Own Your Time:  10 Financial Steps to Put Your Family First and Escape the Corporate Grind", will be released in January 2026. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing on his hammock. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

In this episode of the Means of Grace podcast, Rev. Dr. Luke Edwards reflect on the importance of being present for the vulnerable, particularly immigrants facing legal and social challenges. They discuss the launch of the Immigrant Ministry Crisis Fund by the Western North Carolina Conference, aimed at providing support to immigrant families in need. The conversation emphasizes the role of the church in advocating for justice, offering compassion, and creating a welcoming community for those in distress. The episode concludes with a call to action for listeners to engage in meaningful support and accompaniment of their immigrant neighbors. Show Notes:  WNCC Immigrant Ministry Crisis Fund Conference Board of Pension and Health Benefits Contributes $100,000 to Support Immigrant Ministry Crisis Fund The Listening Church

As the country looks for ways to stimulate growth and support a new wave of entrepreneurs, this debate raises urgent questions about risk, regulation, and national economic strategy. John Maytham speaks to Magda Wierzycka — CEO of Sygnia and one of South Africa’s most influential business figures. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

This evening, we dive into the latest market movements with Sanlam Private Wealth, we hear from Magda Wierzycka on her views regarding pension funds, Famous Brands shares insights into its expansion plans in Malaysia, we speak to Glencore Ferroalloys about a memorandum of understanding signed by Eskom to help rescue ferrochrome smelters, Adams & Adams tells us about its new digital platform aimed at addressing AI-related risks for businesses, and we examine the state of the SA housing market with Pam Golding. SAfm Market Update - Podcasts and live stream

Pension for members of Congress to be reformed and Houston lawyer Tony Buzbee takes the case of the death of the Texas A&M student in Austin. See omnystudio.com/listener for privacy information.

Listen for the latest from Bloomberg News See omnystudio.com/listener for privacy information.

Do you live in Australia? Do you have an SSS account, or are you waiting for your SSS pension to start? Would you like to continue your SSS contributions? SSS Executive Vice-President Elvira Alcantara-Resare and Atty Gary Jimenez will tell us how to access our benefits while living in Australia. - Nakatira ka ba sa Australia? May SSS pension ka bang hinihintay na makolekta? Nais mo bang ipagpatuloy ang SSS contribution mo? Sasagutin ni SSS Executive Vice-President Elvira Alcantara-Resare kasama si Atty Gary Jimenez ang mga katanungan ng maraming Pilipino nakatira sa ibang bansa tulad ng Australia.

Cyril Olivier, Parque Hoholchuvk, Zombie Palillera, Hermanos Bandidos, Taxi Oscuro, Super Bugs, Pedofis Recontrarejuvenecidos, Opio Alzista, Guarida Sexual, Visita Retrola, Minessotta somalí, Boludo AntiVillero, Economía Chismista y mucho más. ENLACES Gaza smombi https://www.thenationalnews.com/news/mena/2025/12/01/children-proud-adults-suspicious-as-israel-lets-iphone-17s-into-gaza/ Toyota Fortuner https://www.news18.com/india/modi-putin-ride-in-toyota-fortuner-instead-of-standard-armoured-suv-heres-why-exclusive-ws-kl-9751511.html Drones en la cancha https://www.infobae.com/mexico/2025/12/04/drones-del-cjng-la-preocupacion-principal-en-jalisco-para-la-copa-del-mundo-2026-en-mexico-segun-experto/ Parque Hoholchuvk https://warszawa.wyborcza.pl/warszawa/7,54420,32434310,ukrainska-enklawa-w-centrum-warszawy-policja-interweniowala.html Bocine Denegado https://www.news18.com/india/loudspeakers-are-not-essential-to-practising-any-religion-bombay-hc-ws-bl-9751031.html Cancha llena https://amu.tv/fa/213791/ Mapache Borracho https://news.sky.com/story/spirit-animal-raccoon-gets-drunk-as-a-skunk-in-a-booze-store-and-sleeps-off-hangover-in-the-toilet-13478586 IceIce Chilote https://www.radioagricultura.cl/noticias/politica/kast-advierte-nuevamente-a-migrantes-irregulares-les-quedan-98-dias-para-decidir-tomar-sus-cosas-y-salir-de-chile_20251203/ Banano Abuitrado https://www.imf.org/es/news/articles/2025/12/02/pr25402-ecuador-imf-reaches-staff-level-agreement-on-4th-review-under-eff-arrangement Patrullas Conjuntas https://apnews.com/article/uk-norway-navy-patrols-russia-undersea-cables-311aa197fb1697bab45b37286ae9fa2c Regularización laboral https://tass.com/politics/2052051 Salafowarma Carcelario https://www.news18.com/india/isis-suspect-in-bengaluru-jail-caught-selling-shawarma-the-trail-led-elsewhere-skn-ws-l-9751297.html Helsinki Evacuado https://www.iltalehti.fi/kotimaa/a/422aa992-f49f-4f3e-8784-a6b19e8b5414 Sitio C https://news.sbs.co.kr/amp/news.amp?news_id=N1008350219 Ivanhoe First https://www.newrepublicliberia.com/lawmakers-fail-to-confront-guinea-rail-reality-at-ivanhoe-house-hearing/ Experiencia londinense https://esrt.press/actualidad/575061-experiencia-londinense-asaltan-cuchillo-golpean-influencer Taxi Oscuro https://www.iltalehti.fi/kotimaa/a/92dfeedf-1a26-4ed3-8962-5031f697bef4 Gusano pelotudo https://www.bild.de/news/ausland/gefahr-fuer-den-garten-fleischfressender-wurm-breitet-sich-in-europa-aus-691c4e5544ecdb8c59719c7f Cornudo Pinchon https://www.news18.com/cities/mumbai-news/mumbai-man-arrested-for-slitting-sleeping-daughters-neck-over-suspicion-of-wifes-affair-ws-l-9748804.htm Gas reviejo https://www.bbc.com/news/articles/czrk7g50e1po?fbclid=IwZnRzaAOaD-5leHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEexx_X71VKSm7mxtVM9Y1eyXXpRpMDFzfKplslaHsrH90tPGj2dTN3JCqOl8s_aem_rYe2iNV6k34d4jo7IVTx8A Hermanos bandidos https://www.premiumtimesng.com/news/top-news/840610-ex-defence-minister-denies-mischievous-reason-cited-for-resignation.html Espoo Catering https://www.iltalehti.fi/kotimaa/a/7dffe1fb-09ba-4b8c-9a4c-3175201ed157 Cupula Kartoffen https://esrt.press/actualidad/575666-alemania-desplegar-sistema-defensa-israeli Truss Shock https://www.reuters.com/world/asia-pacific/japan-prime-minister-takaichi-tries-avoid-truss-shock-2025-12-05/ Salafa Retornetor https://jyllands-posten.dk/indland/ECE18813611/28aarig-kvinde-tiltalt-for-at-have-ladet-sig-hverve-til-islamisk-stat/?fp-exp=60740012&fp-alg=607400121 Visit Africa https://iharare.com/from-cape-town-to-cairo-africas-30-most-attractive-cities-for-2025/ Echados con razon https://www.aurora-israel.co.il/incendian-una-sinagoga-jasidica-en-ucrania-sospechoso-es-arrestado/ Federica Trinkerini https://esrt.press/actualidad/575573-kremlin-comenta-escandalo-corrupcion-torno Visita de Cortesia https://borneobulletin.com.bn/mosque-welcomes-courtesy-visit-from-neighbouring-states-mosque/ Pension por hijos muertos https://www.koreaherald.com/article/10630352 Equinor https://www.equinor.com/news/20251204-rapid-development-extends-lifetime-norne Pagos 'de servicio https://t.me/stranaua/218383 Gobierno pelotudo https://tass.com/world/2053541 Expo Datil https://www.arabnews.com/node/2624911/arabia-saudita Super Bugs https://www.koreaherald.com/article/10630634 Remedio ancestral https://allafrica.com/stories/202512040304.html Remigio el antisemita https://www.lrt.lt/en/news-in-english/19/2765081/lithuanian-mp-zemaitaitis-found-guilty-of-antisemitic-hate-speech Pedofis rejuvenecidos https://www.prnewswire.com/news-releases/immorta-bio-announces-publication-of-international-patent-application-for-senovax-a-first-in-class-senolytic-immunotherapy-302625673.html Semana Harram https://www.arabnews.com/node/2624865/saudi-arabia Acosadores Ubicados https://www.koreaherald.com/article/10629046 Ley AntiMaricos https://x.com/mindefensa/status/1995976160812171627 Terrorismo petrolero https://www.usnews.com/news/world/articles/2025-12-02/owner-of-oil-tanker-damaged-near-senegal-says-it-is-ceasing-all-russian-operations#:~:text=LONDON%2C%20Dec%202%20%28Reuters%29%20-%20Besiktas%20Shipping%2C%20the,was%20ceasing%20all%20shipping%20operations%20involving%20Russian%20interests. Año Historico https://theobjective.com/internacional/2025-12-05/marruecos-ano-historico-18-millones-turistas-auge/ Opio al Alza https://thediplomat.com/2025/12/myanmar-opium-cultivation-jumps-to-highest-level-since-2015-un/ Leyendas del orto https://allafrica.com/stories/202512050006.html Esta Vivo https://news.sky.com/story/former-pakistan-pm-imran-khan-healthy-but-isolated-in-jail-his-sister-says-13478344 Nancys aceleristas https://www.policia.es/_es/comunicacion_prensa_detalle.php?ID=16725 Retarded futurologo https://www.politico.com/news/2025/12/02/elon-musk-predicts-12-years-of-trump-vance-vance-00673616 Tecnicas Abortivas https://www.bangkokpost.com/life/social-and-lifestyle/3150644/abortion-in-afghanistan-my-mother-crushed-my-stomach-with-a-stone Trinity metals https://www.newtimes.co.rw/article/31744/news/economy/trinity-metals-plans-100m-investment-in-rwanda-mineral-operations Guarida Sexual https://www.dailystar.co.uk/news/world-news/breaking-police-sex-den-malaysia-36330179?int_source=nba Hija del Mal https://www.iltalehti.fi/ulkomaat/a/cf3d16cc-c305-4eff-b2be-f83782b74f87 ReContra Mala https://iharare.com/mt-hampden-man-arrested-after-squandering-nephews-us17k-on-betting-spree-in-13-days/ Bibi ve fantasmas https://www.axios.com/2025/12/01/israel-syria-strikes-trump-netanyahu Visita Retrola https://www.globaltimes.cn/page/202512/1349824.shtml Slogan palillero https://japantoday.com/category/politics/pm-takaichi%27s-work-work-work-remark-tops-japan-2025-catchphrase-list Violaciones electorales https://thediplomat.com/2025/12/kyrgyz-election-commission-tosses-results-from-district-with-highest-turnout-citing-violations/ Medidas Anti adivinos https://www.dailystar.co.uk/news/world-news/north-koreas-secret-police-crack-36355017 Vlad Report https://www.rbc.ru/society/03/12/2025/693044979a794717e9e76354 Boludo AntiVillero https://esrt.press/actualidad/575749-legislador-libertario-propone-bombardear-villas-argentina Politica Peluchista https://www.bloomberg.com/news/articles/2025-12-02/china-adds-tax-to-condoms-as-it-works-to-boost-birth-rates Conflicto Transfronterizo https://www.rferl.org/a/tajikistan-china-worker-killed-russia-troops-mining-taliban/33611762.html Gafas Congelistas https://www.axios.com/2025/12/01/bill-gates-sun-climate-change Crisis Chanchil https://www.vozpopuli.com/espana/cataluna/la-ue-veta-las-exportaciones-de-cerdo-en-91-municipios-de-cataluna-hasta-nueva-orden.html Minessotta somalí https://shabellemedia.com/ice-launches-operations-targeting-somali-immigrants-in-minnesota-after-trump-comments/ ¿ Lider Supremo maachirulo o no? https://es.irna.ir/news/86014470/Las-bandas-criminales-que-recientemente-han-generado-tanta-pol%C3%A9mica Benidorm Delincuencial https://www.dailystar.co.uk/travel/travel-news/i-never-go-back-benidorm-36337917 Ministerio de la Verdad https://es-us.finanzas.yahoo.com/noticias/macron-niega-querer-ministerio-verdad-172849671.html NarcoRubio ufologo https://www.foxnews.com/video/6385881667112 Peste Chanchera https://govern.cat/salapremsa/notes-premsa/770316/totes-explotacions-porcines-del-radi-vigilancia-donen-negatiu-pesta-porcina-africana Narco Peleas https://www.leparisien.fr/hauts-de-seine-92/une-bagarre-entre-dealers-encagoules-eclate-au-beau-milieu-dune-lecole-les-enfants-sous-le-choc-a-nanterre-04-12-2025-YVCTDWNDNBDZHLDVI6SHOUQE2E.php Padron Fraudulento https://elcaso.elnacional.cat/es/noticias/falsos-contratos-alquiler-empadronar-inmigrantes-pisos-arenys-mar_1522522102.html IA chupachips https://www.reuters.com/world/china/ai-frenzy-is-driving-new-global-supply-chain-crisis-2025-12-03/ Caballeros Negros https://x.com/WhiteHouse/status/1996660782659260629?s=20 10 añitos https://iharare.com/rusape-woman-faces-10-year-in-jail-for-using-free-zesa-electricity/ Juez PornoVengativo https://www.leparisien.fr/faits-divers/photographies-intimes-et-montage-porno-de-son-ex-femme-un-magistrat-mis-en-examen-pour-incitation-au-viol-et-revenge-porn-04-12-2025-QPXG5SNTLBDFTPQOTE7J4RTPTE.php Lista negra https://larepublica.pe/tendencias/2025/11/30/furor-en-redes-por-la-supuesta-lista-negra-de-las-girls-publican-archivo-viral-que-expone-a-presuntos-infieles-en-peru-atmp-2146350 PornoNaziGoldman petrolero https://www.reuters.com/business/former-pornhub-owner-interested-lukoil-assets-sources-say-2025-12-03/ Brigada Buah que buena https://elcaso.elnacional.cat/es/noticias/detienen-jefe-brigada-antidroga-policia-nacional-valladolid-quedaba-droga-rquisada_1522411102.html Cyril R. https://www.leparisien.fr/hauts-de-seine-92/tout-est-de-ma-faute-le-realisateur-juge-pour-les-viols-de-jeunes-actrices-assume-et-se-prepare-a-la-prison-05-12-2025-QVTCDKZ6PJHDVFMEJXAKATCWAE.php Turismo en la GUsanera https://www.nbcmiami.com/news/local/5-argentinian-tourists-accused-of-stealing-from-multiple-dolphin-mall-stores/3727992/ Zombi Insomne https://actualidad.rt.com/viral/573115-video-primera-ministra-japon-duerme-suficiente Navidad en Son Banya https://www.ultimahora.es/sucesos/ultimas/2025/12/05/2525507/papa-noel-hinchable-mas-obras-son-banya-regalo-navideno-narcos.html Cadaver por trozos https://www.dailystar.co.uk/news/world-news/mums-headless-body-discovered-german-36336683 Examen atlantista https://www.elmundo.es/internacional/2025/12/03/692efc96fdddffd4308b45b1.html Deportaciones a Malvinas https://conservativehome.com/2025/11/25/andrew-gilligan-the-falklands-should-be-looked-at-again-as-an-asylum-processing-centre/ PeloNaranja Wanted https://www.publico.es/politica/wanted-alcalde-comunista-pueblo-rico-galicia-ofrece-recompensa-medio-dolar-trump.html Motero Trucha https://www.ultimahora.es/sucesos/ultimas/2025/12/04/2525087/hombre-extorsiona-varias-mujeres-palma-haciendose-pasar-por-miembro-banda-motera.html Petardos Polacos https://www.bild.de/news/inland/in-ludwigshafen-erwischt-kinder-12-13-dealen-mit-polen-boellern-6931b9ae074aff607680f70c Hitler barato https://www.zeit.de/politik/deutschland/2025-11/afd-prueft-auftritt-von-parteimitglied-parteitag-giessen-gxe Embajada vikinga https://www.abc.es/espana/islandia-abre-primera-embajada-espana-tras-despliegue-20251201130439-nt.html Pelo Tuitero https://www.thedailybeast.com/donald-trump-melts-down-in-unhinged-late-night-posting-spree/ Pedo Bestialista https://www.ultimahora.es/sucesos/ultimas/2025/12/03/2523847/condenado-palma-por-distribuir-miles-archivos-pedofilos-algunos-ellos-zoofilia-menores.html PeloDisco ( melania hasta el coño de obras) https://www.cbsnews.com/news/trump-hires-new-architect-for-ballroom/ Operacion Maxi https://roma.corriere.it/notizie/cronaca/25_dicembre_05/colpo-al-clan-senese-14-arresti-a-roma-blitz-dei-carabinieri-contro-la-banda-che-usava-metodi-mafiosi-8a539faf-1c9b-43b5-a152-d173e409dxlk.shtml CogeMavericks https://www.clarin.com/informacion-general/aviones-combate-f-16-llegan-argentina-5-diciembre_0_GhhvZnHwWr.html#google_vignette Planes aeroBuitrees https://www.xataka.com/movilidad/ryanair-elimina-rutas-espana-se-frota-manos-regreso-volver-a-ucrania-al-calor-turismo-catastrofe Bestialista asaltamuros https://esrt.press/actualidad/575202-hombre-muere-atacado-leona-zoologico-brasil Doctor mano larga https://www.ultimahora.es/sucesos/ultimas/2025/12/04/2524983/detienen-medico-por-agredir-sexualmente-paciente-palma.html Aparcamientosecuestrorrush https://napoli.corriere.it/notizie/cronaca/25_dicembre_05/giugliano-sequestrata-nel-parcheggio-del-centro-commerciale-e-poi-violentata-mi-hanno-detto-vieni-senno-ti-uccidiamo-47f0ac56-1403-4759-b971-c5a6731e9xlk.shtml Documento retenido https://www.lasexta.com/noticias/nacional/anticorrupcion-piden-prohibir-salir-espana-uno-directivos-acciona-imputados-caso-koldo_2025120369301d516e5e5012dcd8a5b6.html 20.000 chismes https://esrt.press/actualidad/575561-rutte-proximo-ano-1000-millones-mes-kiev Chapito Hernandez https://www.rtve.es/noticias/20251202/expresidente-hondureno-juan-orlando-hernandez-condenado-eeuu-por-narcotrafico-libertad-tras-recibir-indulto-trump/16841715.shtml Narco Estado https://www.bbc.com/mundo/articles/c8drvd226rlo Bicho IA https://cincodias.elpais.com/companias/2025-12-05/cristiano-ronaldo-se-une-a-la-euforia-de-la-ia-y-entra-en-la-popular-start-up-perplexity.html Matar por matar https://thecradle.co/articles/uk-soldiers-executed-toddlers-in-bed-during-afghanistan-war-report Drill drill viejo https://www.elobservador.com.uy/nacional/busqueda-petroleo-restricciones-gobierno-autorizara-exploracion-sismica-mar-uruguayo-y-empresa-se-prepara-hacer-el-primer-pozo-n6026400 Pedo Crimalite https://www.leparisien.fr/faits-divers/pologne-cent-personnes-interpellees-dans-une-operation-contre-la-pedocriminalite-04-12-2025-JIHB2P4LL5BPLL5AKXOUF4C73U.php Clintoncida vs TIkTok https://nypost.com/2025/12/03/us-news/hillary-clinton-blames-social-media-for-radicalizing-young-americans-against-israel/ Hoholitos caros https://corisk.no/en/home-english/ Temen nuestro gran futbol https://www.nytimes.com/athletic/6833173/2025/12/01/uefa-israel-football-ban-ceasefire/ Terrorismo Ultraright https://www.thesun.co.uk/news/37535935/woman-three-men-arrested-extreme-right-wing-terrorism/ Pichón https://x.com/OHarfuch/status/1995182914665935199 Chino Salido estafado https://www.scmp.com/news/people-culture/trending-china/article/3334035/chinese-man-marries-woman-4-hours-after-blind-date-spends-us34000-month?module=top_story&pgtype=subsection Flopper en america https://www.eleconomista.es/infraestructuras-servicios/noticias/13650640/11/25/acs-se-alia-con-la-estadounidense-kiewit-para-luchar-por-la-autopista-i77-de-carolina-del-norte.html Señorita Pedofilia https://www.dailystar.co.uk/news/uk-news/paedo-teacher-who-sexually-abused-36353299 Fabrica Hohol https://www.dr.dk/nyheder/udland/midt-i-rygter-om-korruption-i-ukraine-forsvarsvirksomhed-tager-foerste-spadestik-i-danmark Tiktok Datacenter https://spanish.news.cn/20251204/4a2748e922404d108110d9ae724921a5/c.html El Oso de Los Rusos https://www.infobae.com/mexico/2025/12/03/cayo-en-mexicali-el-oso-presunto-miembro-de-los-rusos/ Periodista PedoSatanico https://www.elmundo.es/cronica/2025/12/04/693070bbe9cf4a30508b45a2.html Extincion blancata https://x.com/elonmusk/status/1995923014077350386 Le pagas la electricidad al Porcelanosa https://www.eleconomista.es/energia/noticias/13665839/11/25/transicion-ecologica-concede-126-millones-a-smartenergy-y-elyse-para-desarrollar-hidrogeno-en-castellon-y-soria.html Donald Siestas https://www.dailystar.co.uk/news/us-news/donald-trump-appears-fall-asleep-36354991 Repoblacion Retarded https://www.quien.com/espectaculos/2025/06/06/elon-musk-ellos-son-14-hijos

Listener Q&A where Andy talks about: A correction on something incorrect I said last week regarding deciding which spouse's pre-tax account to distribute or convert from ( 3:28 )Pros and cons of using a single total global stock market fund vs multiple other funds such as just US and just international  ( 8:17 )What's in the calculation for Modified Adjusted Gross Income ("MAGI") for purposes of determining eligibility to contribute to a Roth IRA ( 14:49 )Deciding when to start a Roth account, and whether it should be a Roth IRA or Roth 401(K) (if you have the option), and whether it should be funded via conversion or contribution ( 20:40 )What to consider when deciding on which pension payment type of choose ( 27:52 )Should IRA distributions instead be converted to Roth if you don't need to use the money any time soon ( 35:50 )What to consider when retiring late (e.g. late-60s or 70s) ( 42:02 )Explaining certain "fees" on trade confirmations, such as when buying coupon-paying bonds or stocks/ETFs ( 47:21 )Why just looking at unrealized gains or losses on a position in a dividend or distribution paying security don't tell the whole story with regards to how much money you've actually made or lost in the position ( 53:45 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:My company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Key Topics Covered:1. Why Executives Choose Portfolio CareersMany senior leaders leave corporate jobs for more control, flexibility, and purpose.Becoming a non-executive director (NED) lets them advise several businesses, stay intellectually engaged, and build multiple income streams.2. What a Non-Executive Director Actually DoesNEDs guide and support business owners, using their experience and networks to help smaller companies grow.Typical NEDs are former CEOs, directors, or C-suite leaders who want to keep working, but on their own terms.3. Adrian's Journey: From Corporate to EntrepreneurAdrian left a high-level tech role to help executives move into business ownership.He built and acquired several companies, faced personal and business setbacks, and ultimately found new direction after a major life shift.4. Overcoming Identity and Timing ChallengesLeaving a big job can trigger a loss of identity; Adrian stresses the importance of recognising your own value and skills.Timing your transition is key—look for inflection points like changes at work, financial readiness, or life events.5. How to Start Your Own Portfolio CareerAdrian recommends a three-phase roadmap:Clarify your value and how you're seen (positioning)Tap into your existing network for opportunitiesBuild new connections aligned with your goalsLinkedIn is powerful, but most executives underuse it—focus on connecting, not selling.6. The Wealth-Building BenefitsNED roles create time for other wealth-building activities, like property or investing.Some coaches and NEDs eventually take equity stakes in businesses, building long-term wealth and influence. Actionable Takeaways:Consider a portfolio career if you want more freedom, less risk, and a chance to use your experience in new ways.Prepare for the identity shift and plan your timing and finances.Use your network and be proactive—opportunities often come from people you already know.Don't be afraid to reach out for guidance or support. Resources:Leverage Your Corporate Experience to Secure Paid SME Board RolesDownload the Pension and Inheritance Tax GuideWealthBuilders Membership: Free access to guides, webinars, and community Connect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. 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!

Kommunalvalget er ovre, og partierne har nu rettet blikket stift mod det Folketingsvalg, der skal komme om senest 11 måneder. Nogle af de store emner bliver klima og den grønne dagsorden, som det også var i mange kommuner med jævnlige oversvømmelser, truslen fra Rusland og behovet for flere penge til forsvaret, samt den helt store joker, som Statsministeren lancerede i august 2024 uden konkret indhold: Pension. Men har vi penge til det hele? Hvor står partierne i de spørgsmål? Og kan de overhovedet blive enige om noget – især i de tre regeringspartier? Martin Flink stille spørgsmålene i denne Borgen Unplugged Live på Forsikring og Pensions årsdag torsdag den 27. november, hvor Anders Langballe og Politikens politiske analytiker Elisabet Svane har svarene.

Marjorie Taylor Greene, the firebrand Georgia congresswoman, announced in November she is planning to resign from Congress. Her last day in office will be January 5, 2026, over a month away. One potential reason she is hanging on for a bit longer, enduring the president's ire and the possible threats to personal safety that sometimes follow: It ensures that she will be in office for more than five years, locking in a bare minimum congressional pension. Forbes money in politics reporter Kyle Khan-Mullins joins "Forbes Newsroom" to discuss. Read the full story on forbes.com: https://www.forbes.com/sites/kylemullins/2025/11/25/how-marjorie-taylor-greene-locked-in-her-taxpayer-funded-pension-for-life/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of All in the Delivery, they bring on retired driver and Circle of Honor member of 25 years safe driving Vic Wirhowski to discuss the evolution of UPS, focusing on the changes in company culture, service quality, and appearance standards over the years. They share personal anecdotes and reflect on how the industry has shifted towards profit-driven priorities, often at the expense of safety and service. The conversation highlights the gradual decline in standards and professionalism, as well as the impact of technology and cultural shifts on the workforce. In this conversation, the speakers reflect on their experiences as UPS drivers, discussing the evolution of the job, the impact of technology, and the changes in company culture over the years. They share personal stories about navigating challenges, including pension cuts and the restoration of benefits, while emphasizing the importance of recognition and morale in the workplace. The discussion highlights the contrast between past and present experiences, illustrating how the driving profession has transformed and the lasting legacy of service within the company.  Help support the show Join our Discord Takeaways The importance of acknowledging supporters and community. Personal stories can illustrate broader industry issues. Career changes can bring a sense of relief and fulfillment. Company changes often lead to a decline in service quality. Profit-driven decisions can compromise safety and service. The deterioration of standards is often gradual and unnoticed. Appearance standards were once strictly enforced in the industry. Technological advancements have changed operational practices. Cultural shifts have influenced company policies on appearance. The balance between evolution and maintaining standards is crucial. The job has become easier due to technology like GPS. Pension cuts were a significant concern for retirees. Restoration of pensions brought relief and gratitude. Company morale has declined with fewer recognition events. Drivers used to feel appreciated with regular rewards. The culture of the workplace has shifted over the years. Recognition for safe driving has diminished. Corporate messages often focus on safety outside of work. There are always employees who resist hard work. Legacy and service are core values for long-term employees. Chapters 00:00 Introduction and Acknowledgments 01:49 Personal Stories and Experiences 06:18 New Beginnings and Routes 08:52 Company Changes and Service Quality 13:03 The Slow Deterioration of Standards 17:35 Impact of COVID-19 on Operations 20:16 Leadership Changes and Their Effects 21:37 The Evolution of Driver Appearance Standards 24:32 Technological Advancements in Delivery 30:45 Changes in Union Regulations and Pension 37:44 Reflections on Job Expectations and Experience 44:08 Pension Cuts and Morale Issues 45:16 The Importance of Morale in the Workplace 46:52 Challenges with Team Dynamics 48:28 Recognition and Appreciation in the Workplace 50:27 The Shift in Company Culture 52:10 Technical Difficulties and Communication 53:57 Reflections on Union and Safety 56:27 Founders Day and Company Traditions 59:03 Positive Perspectives on Company Experience THE OPINIONS EXPRESSED OR VIEWS EXPRESSED ON THIS PODCAST ARE THOSE OF THE HOSTS AND GUESTS AND DO NOT NECESSARILY REFLECT ANY DELIVERY COMPANY  

From today, employers can register for the new pension auto-enrollment scheme. To discuss this, Minister for social protection, Dara Calleary.

A light Black Friday edition tackles four listener questions covering Vanguard's Digital Advisor, the timing of Social Security versus IRA withdrawals, whether to swap target-date funds for a VT/BND mix, and the wisdom (or lack thereof) of adding managed-futures ETFs. The show ends with a look at whether international bonds meaningfully improve diversification (answer: barely). The through-line? Keep investing simple, avoid expensive complexity, and stick with risk-appropriate, broadly diversified portfolios—holiday weekend or not. 0:09 Don debates doing a Black Friday episode but decides to keep listeners company 1:58 How to submit questions on the website and call on Saturdays 2:16 Q1: Is Vanguard's Digital Advisor worth using? 2:56 Pros and cons: low cost, limited choices, avoid the active-fund version 4:29 Transition to Q2 4:55 Q2: Should a spouse take Social Security at 62 or delay and live off an IRA? 5:50 Pension changes the math—delay for the 8%/yr benefit 7:13 Target-date vs. VT/BND performance and Roth allocation logic 8:32 Risk tolerance matters more than account type 9:09 Actual performance: 2035 fund vs. VT/BND nearly identical 9:42 Q3: Adding managed-futures ETFs as a diversifier 10:23 Why Don strongly opposes adding complexity and high-expense hedges 11:36 Expense ratios make them non-starters 11:56 Q4: Should investors add international bonds? 12:46 Tiny diversification benefit; generally not worth it for DIY investors 14:38 Correlation improvement maxes out around one-tenth of one percent Learn more about your ad choices. Visit megaphone.fm/adchoices

It's a cornucopia of content episode for this Friday following Thanksgiving, and Richard Rosso and Jonathan McCarty bemoan the demise of the U.S. Penny, the fallacy of risk tolerance questionnaires, Rich's Financial Fitness Garage and creating Retirement income; plus Rich's salutation for Thanksgiving. 0:00 - INTRO 0:44 - The Demise of the U.S. Penny 4:54 - Financial Risk Surveys - Rich & Jonathan's Scores 11:05 - Rich's Fitness Garage - Creating Retirement Income 24:41 - Happy Thanksgiving to You!

In this episode, we feature two conversations that highlight PWL's culture, values, and intentional approach to advice. We first sit down with Trevor Daigle and Brett Watt, founders of EB Wealth in Halifax, to talk about why they chose to merge their thriving independent practice with PWL — PWL's first acquisition in Atlantic Canada. Trevor and Brett open up about what they saw in PWL's infrastructure, culture, and client-first philosophy, the internal hurdles they had to clear (including their own egos), and the moment they realized they "couldn't unsee" what PWL had built. Then, in the second half of the episode, PWL Portfolio Manager and Financial Planner Phil Briggs walks us through a remarkable real-world case. A podcast listener's father decided to take the commuted value of his defined benefit pension… and the family approached PWL to invest it. Rather than simply execute the plan, Phil stepped back to rigorously analyze whether that decision made sense at all. The result is one of the most compelling demonstrations of evidence-based financial planning we've featured on the show — covering risk pooling, tax implications, Monte Carlo results, survivor benefits, and the emotional side of decision-making. Key Points From This Episode: (0:00:51) Welcoming Trevor and Brett — and why their practice, EB Wealth, aligned so closely with PWL's holistic philosophy. (0:02:30) How long-term cultural fit, infrastructure, and research depth drove their decision to join PWL. (0:04:57) "We can't unsee that": The moment a visit to Ottawa convinced them PWL's values were real at every level. (0:07:45) Their biggest concern: giving up control after years of running an independent practice — and how that shifted. (0:09:43) Setting aside ego: How thinking long-term and client-first changed their perspective on joining PWL. (0:11:35) What excites them most about the future: growth, learning, and being surrounded by experts who prioritize client outcomes. (0:13:17) Seeing PWL's collaborative culture in action — and why industry-typical "sales meetings" were nowhere to be found. (0:14:43) Transitioning clients and feeling the immediate impact on conversations and relationships. (15:05) The setup: A podcast listener reaches out after his father already decided to take the commuted value of a DB pension. (17:25) Why Phil was surprised — and the questions he wanted answered before talking about investing. (17:25–18:49) The benefits of staying in a DB pension: risk transfer, inflation protection, and mortality pooling. (19:07) The risks: employer insolvency, underfunding, and historical examples like Sears Canada and Nortel. (20:10–22:04) Evaluating pension solvency: sponsors, surplus status, funding ratios, diversification, and regulatory filings. (23:49) Reasons someone might take the commuted value: investment preferences, life expectancy concerns, and survivor benefits — the central issue in this case. (25:15–30:52) The tax trap: how the "excess amount" of a commuted value can trigger immediate taxation — in this case at the 53.53% marginal rate — and how RRSP room and PARs interact. (31:26–33:53) Modeling the decision: building retirement scenarios in financial planning software, including spending, inflation, CPP/OAS, rental income, and Monte Carlo analysis. (34:00–37:54) Results: 60/40 investment after commuting: overfunded plan but with significant volatility. 100% equity: higher legacy, similar failure rate. Leaving the pension with the employer: similar retirement score but dramatically higher Monte Carlo success (96%) due to guaranteed income, inflation hedging, and tax smoothing. (38:32–40:55) Why the pension's stable income floor and deferred taxation made such a big difference — even in a shortened-life-expectancy scenario. (41:05–41:37) Other firms simply accepted the commuted-value plan; PWL was the only firm to fully analyze the decision. (43:50–44:53) How personal values, risks, and emotional comfort interact with data in real financial planning decisions. (45:00–47:28) The next decision: choosing between a higher pension with a 2/3 survivor benefit or a lower pension with a 100% survivor benefit — and how break-even analysis (age 81) informed the client's choice. (47:44–48:31) Why planning software provides clarity people can't get through gut feel alone. (48:31–49:59) Trust and incentives: why turning down a large investable sum was the right decision — and why PWL celebrates that. (50:08–51:01) Culture + incentives: how PWL's structure allows advisors to prioritize clients without sales pressure. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Ben Wilson on LinkedIn — https://www.linkedin.com/in/ben-wilson/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

This episode dives into three of the most talked-about — and controversial — stories making headlines right now.

Woman found alive in a coffin right before being cremated at a Buddhist temple. Shark fins worth $11million were seized by authorities in Peru in major wildlife trafficking operation. Italian man dressed up as his dead mother for three years while collecting her pension. // Weird AF News is the only daily weird news podcast in the world. Weird news 5 days/week and on Friday it's only Floridaman. SUPPORT by joining the Weird AF News Patreon http://patreon.com/weirdafnews - OR buy Jonesy a coffee at http://buymeacoffee.com/funnyjones Buy MERCH: https://weirdafnews.merchmake.com/ - Check out the official website https://WeirdAFnews.com and FOLLOW host Jonesy at http://instagram.com/funnyjones - wants Jonesy to come perform standup comedy in your city? Fill out the form: https://docs.google.com/forms/d/e/1FAIpQLSfvYbm8Wgz3Oc2KSDg0-C6EtSlx369bvi7xdUpx_7UNGA_fIw/viewform

A man pretends to be his dead Mom for her pension; Louis CK is dating Phillip Seymour Hoffman's long time partner; Glen Powell is in a new publationship with Michelle Randolph; One star reviews and the 5 second rule See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Retiring with a pension changes everything about your retirement math.Most people think about retirement in terms of net worth—how close they are to a million, two million, or more. But if you have a pension, that old framework can send you down the wrong path. In this episode, James explains why retirees with pensions need to think in terms of cash flow, not balances on a statement.James begins with a simple shift: a pension that pays $60,000 a year acts like the income from a $1.5 million portfolio under a traditional 4% withdrawal rule. That perspective alone can reduce the pressure many people feel when they compare their savings to generic benchmarks or to friends who rely entirely on investments.He then walks through real scenarios—showing how a couple aiming to spend $80,000 per year may only need $600,000–$750,000 in savings if pension and Social Security cover the first half of their income needs. And in cases where the pension plus Social Security fully replaces spending, a retiree might not technically need any portfolio withdrawals at all. Cash flow drives the plan; the portfolio simply becomes optional support.James  also covers the nuances most retirees overlook:• How to plan for pensions without cost-of-living adjustments• Why survivorship options can make or break a spouse's long-term security• How investment strategy changes when you don't need to pull from your portfolio• Why being 60 or 65 doesn't automatically mean you need a conservative allocationRetirees with pensions often have far more flexibility than they realize. The key is understanding how the pension slots into the income puzzle, how it affects withdrawal rates, and how it should guide investment decisions—especially for couples.-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!

Send us a textLast November, North Carolina elected a new state treasurer, Brad Briner. Briner, 47, has 25 years of experience managing investments and recently retired as co-chief investment officer from Willett Advisors, the firm that manages assets for Michael Bloomberg. He studied economics at UNC Chapel Hill (Morehead Scholar) and has an MBA from Harvard. He lives in Chapel Hill with his wife and four children and serves on the UNC Board of Trustees.On this episode, we learn a little bit about Brad's background and ask questions about the NC pension and the new raise to healthcare premiums in NC. 

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This week, we break down what to know before buying into a practice, rethink what "net worth" really means, explore how to best use an Air National Guard retirement paycheck from 57 to 65, and highlight important basics on Special Needs Trusts. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #445 03:28 Buying into a Physician Owned Practice 11:42 What to Include in Net Worth 17:00 How to Think About a Pension 21:36 Managing a Special Needs Trust