Podcasts about Pension

We answer listener questions in this episode with guests Saxon Williams and Christopher Ernst. This is part 1 of 3, and it goes all over the place...Outro Music is by The Devil's Pension with My Momma is an Alien.

This week, Liz Ann Sonders and Kathy Jones discuss the recent downward revision in job market statistics, the implications for the economy, and the likelihood of a rate cut next week. They analyze the broader economic context of the job revisions, the importance of indicators like the Producer Price Index, and the impact of global market volatility. Then, Steven Meier joins the show. He is the Deputy Comptroller and Chief Investment Officer for the New York City retirement systems. Liz Ann and Kathy discuss his role, the importance of education for retirement plan participants and trustees, the convergence of public and private markets, and the challenges of inflation and liquidity management. Meier shares his thoughts on particular investment strategies, mainly in private equity and fixed income, while also addressing the current state of the public markets and the impact of AI on future investments. The discussion highlights the complexities of asset allocation and the importance of understanding market dynamics.Finally, Kathy and Liz Ann discuss which key economic data to watch in the coming weeks.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Currency trading is speculative, very volatile and not suitable for all investors.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guarantee.Diversification and asset allocation do not ensure a profit and do not protect against losses in declining markets.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(0925-CPRL)

What if the most powerful thing a CEO can do… is show up?That's exactly what John Bowman is doing. As the new CEO of CAIA, he's not sitting behind a desk or delegating from an ivory tower. He's on a plane, in person, listening to the very people his organization serves.In this episode, Stacy sits down with John to talk about the underrated power of founder-led sales (even when you're leading a global organization), the ROI of empathy, and why success in finance is less about numbers and more about people than you think. They dig into:John's backstory: The leadership lesson he learned after getting laid off at 29 with three kidsWhy walking the “listening tour” isn't just smart, it's essentialHow storytelling shaped his career in this number-obsessed industry What CAIA's member-first strategy can teach every founder and fund managerWhy he believes rejection is almost always redirection that's either protecting you or leading you to where you're meant to be More About John:John was appointed CEO for the CAIA Association in January 2025. He has devoted over 25 years to the asset management industry to recover the narrative of the value that the investment profession brings to society. He is a staunch public advocate for market integrity, long-termism, investor outcomes, diversity, human dignity and educational standards, as necessary ingredients to building a sustainable and healthy profession. John previously served as Managing Director for the Americas for CFA Institute, a region comprised of 40+ countries from Canada, the U.S., Central America, South America and the Caribbean. Before that, John was a portfolio manager for non-US equity strategies at both Boston Company and SSgA for several years. John is a prolific, speaker,writer and commentator, frequently keynoting industry conferences and appearing in investment and business publications such as the Wall Street Journal, The New York Times, Pension and Investments, Financial Advisor, The Independent, Wealthmanagement.com and CNBC. Bowman earned a BS in Business Administration from Mary Washington College and is a CFA charterholder. Books Mentioned in This Episode:The Advantage – Patrick Lencioni | https://a.co/d/2msVUSwThe 6 Types of Working Genius — Patrick M. Lencioni | https://a.co/d/15S3sKWTribes: We Need You to Lead Us — Seth Godin | https://a.co/d/ajf88KPWant More Help With Storytelling? +  Subscribe to my newsletter to get a weekly email that helps you use your words to power your growth:https://www.stacyhavener.com/subscribe  - - -Make The Boutique Investment Collective part of your Billion Dollar Backstory. Gain access to invaluable resources, expert coaches, and a supportive community of other boutique founders, fund managers, and investment pros. Join Havener Capital's exclusive membership. ---Running a fund is hard enough.Ops shouldn't be.Meet the team that makes it easier. | billiondollarbackstory.com/ultimus

Faith for the Coming Wilderness (3) (audio) David Eells – 9/10/25   I am sharing this encouragement now because the wilderness is at our door. I believe a plague is planned and it will be partially prayed down because of Father's mercy and grace. I believe the same thing about the quakes across the country, including the New Madrid, that are to distract from criminal activity. Also the economy will collapse due to these and other criminal reasons and the chastening of God on this nation and the world. So lets Begin Buying and selling is not the way of the Kingdom. I know most ministries today do that, but we have a different economy in the Kingdom. Why did God rebuke them in the days of Noah and the days of Lot for buying and selling? (Luk.17:26) And as it came to pass in the days of Noah, even so shall it be also in the days of the Son of man. (27) They ate, they drank, they married, they were given in marriage, until the day that Noah entered into the ark, and the flood came, and destroyed them all. (28) Likewise even as it came to pass in the days of Lot; they ate, they drank, they bought, they sold, they planted, they builded; (29) but in the day that Lot went out from Sodom it rained fire and brimstone from heaven, and destroyed them all: (30) after the same manner shall it be in the day that the Son of man is revealed. They bought, they sold, they married, they gave in marriage; what was wrong with buying and selling? Buying and selling is not the Kingdom way between brethren especially. The Kingdom is giving and receiving. You get a reward for giving; you get none for selling and borrowing. The Bible specifically says you get a reward for giving, and the interest is much better. The interest is “good measure, pressed down, shaken together and running over.” I've tried God on this and it works. He is faithful — consistently faithful. He is our surety. I learned that you just give, you meet the needs of the brethren around you, and don't worry about what you have left because God is never going to fail you. Never. From the time the Lord showed me about faith and how He forbade debt to His people, I haven't stored up or borrowed any money, and the Lord has never failed to make sure we had a good car, a good house, and all our needs met. The world says that you have to store up the money until you have enough, but you don't, because God can bring it in a lump sum. He did it for us many times. When we moved to Pensacola, He gave us our house, and He bought us a brand new car. They didn't cost us anything. Life in the wilderness is exciting. There's nothing for us to fear. It's only fearful to somebody who's not a believer, but don't worry about that. The non-believers aren't going out in that wilderness or, at least, they are not going to go very far out into it willingly. They're going to take the mark of the Beast because they don't believe they can live out there. But it's not a fearful place; it's a very joyous place where you feel the closeness of your Father. You know that He is taking care of you and He's watching over everything. I remember one time that was just amazing. It was really something. My youngest daughter was a little angry because her two brothers went camping and they took all the chips with them. She was chewing on my wife's ear in the washroom, and my wife just finally told her, “Well, you go pray to God and get your own.” And as my daughter was walking out of the washroom into the den, there came a knock on the door and she shouted, “It's here! It's here! It's here already!” That's childlike faith. She had taken only four or five steps away from the washroom into the den, and when she heard the knock on the door, she immediately claimed, “It's here already!” And my wife grabbed her and told her, “Shush!” Well, when we answered the door, it was our neighbor who lived behind us, who also came to our Bible study. He and his family always liked my wife's cornbread, so she had made a pan of cornbread for him to take home to his family. Here he came back the next day with the pan and it was all wrapped in foil. He handed it to my wife, and when she peeled back the foil, the pan was filled with a bag of chips! I want you to know he started walking from two blocks behind us, yet he arrived at our door moments after my daughter had prayed her prayer, and it wasn't a big miracle to my little girl with her childlike faith, who was just tickled. You see, God really does answer before we call. He doesn't dwell in time; He's not limited to time. You can ask God for something tomorrow, that if you only knew about it today, you would think it's impossible, but He does it. He hears it all and from the beginning of time, He's seen it all. God wants to do these things for us. He designed the wilderness so that He can meet our needs and build our faith. (2Co.12:9) And he hath said unto me, My grace is sufficient for thee: for [my] power is made perfect in weakness. Most gladly therefore will I rather glory in my weaknesses, that the power of Christ may rest upon me. He says, “My power is made perfect in weakness.” Glory to God! The wilderness is a place of faith and weakness, which is available to everyone. It's a place where we live by faith and living by faith makes us weak to be our own saviors. In other words, it's a salvation by faith in the Lord, not our works. (Heb.10:31) But my righteous one shall live by faith: And if he shrink back, my soul hath no pleasure in him. When we learn to walk by faith, we are walking in the wilderness because our methods change from those of the world to those of God and Jesus Christ. Years ago, when the Lord started leading me in the wilderness, for months He caused my Bible to open supernaturally to Isaiah 43. He was emphasizing His point about not walking in the ways of the world, so let's look at what the Lord says there. (Isa.43:14) Thus saith the Lord, your Redeemer, the Holy One of Israel: For your sake I have sent to Babylon, and I will bring down all of them as fugitives, even the Chaldeans, in the ships of their rejoicing. This was a time when God was promising deliverance to His people, who were in bondage in Babylon, and that's where God's people are today. They have allegiances with the world because the world is one form of Babylon. All nations came from Babel, and their Babylonish religion of the counterfeit virgin birth, Semiramis, Nimrod, so on and so forth, was spread all over the earth. And so God's people are very much in bondage to both secular Babylon and religious Babylon, but God is calling us out of their ways, their methods, their unbelief. What is acceptable to the world is not acceptable to God. (15) I am the Lord, your Holy One, the Creator of Israel, your King. (16) Thus saith the Lord, who maketh a way in the sea, and a path in the mighty waters. God seems to be confusing the Egyptian deliverance with the Babylonian deliverance here, but they are the same in type. God's going to make a way in the sea. When the Israelites passed through the Red Sea, Paul said it was a baptism. (1Co.10:1) For I would not, brethren, have you ignorant, that our fathers were all under the cloud, and all passed through the sea; (2) and were all baptized unto Moses in the cloud and in the sea. A baptism is for the death of the old man and the life of the new man. (Rom.6:3) Or are ye ignorant that all we who were baptized into Christ Jesus were baptized into his death? (4) We were buried therefore with him through baptism unto death: that like as Christ was raised from the dead through the glory of the Father, so we also might walk in newness of life. (5) For if we have become united with [him] in the likeness of his death, we shall be also [in the likeness] of his resurrection; (6) knowing this, that our old man was crucified with [him,] that the body of sin might be done away, that so we should no longer be in bondage to sin; (7) for he that hath died is justified from sin. God made a path through the waters for the spiritual man, the Israelite; He didn't make a path for the carnal man, the Egyptian. (Isa.43:16) Thus saith the Lord, who maketh a way in the sea, and a path in the mighty waters; (17) who bringeth forth the chariot and horse, the army and the mighty man (they lie down together, they shall not rise; they are extinct, they are quenched as a wick). The Egyptian represented the old man, the mighty man of the flesh, who was not to follow Israel into their wilderness, because Israel was not to live in bondage to the old man in the wilderness. In the wilderness, they weren't to do things according to the methods of Egypt. This is a type and shadow for us in our wilderness. We are not to be ruled by the old man; we are not to walk according to his principles or use his methods. What does God mean when He says that He brought down the chariot and the horse? (Psa.147:10) He delighteth not in the strength of the horse: He taketh no pleasure in the legs of a man. (11) The Lord taketh pleasure in them that fear him, In those that hope in his lovingkindness. We see here that He likens the “strength of the horse” to the “legs of a man,” meaning, God doesn't want us to trust in the strength of the old man, who belongs to the Beast. A chariot is a vessel that's powered by a beast. The old man, living the old beastly life that was led by the Beast, had to die in the Red Sea so that the Israelite could go into the wilderness. And the wilderness is where the Israelite learns not to lean on the arm of the flesh, but to trust in God alone. (Isa.43:18) Remember ye not the former things, neither consider the things of old. When you come into Christ, you give up thinking of things the way you did when you were in the world, because God is going to do everything differently from the way you did things when you were in the world. The Church doesn't do that. The Church is living in the world and is of the world. It's very Babylonish because they haven't escaped Babylon yet, but the wilderness is coming quickly now to mature those who will believe. (Rev.12:1) And a great sign was seen in heaven: a woman arrayed with the sun, and the moon under her feet, and upon her head a crown of twelve stars; (2) and she was with child; and she crieth out, travailing in birth, and in pain to be delivered. (3) And there was seen another sign in heaven: and behold, a great red dragon, having seven heads and ten horns, and upon his heads seven diadems. (4) And his tail draweth the third part of the stars of heaven, and did cast them to the earth: and the dragon standeth before the woman that is about to be delivered, that when she is delivered he may devour her child. (5) And she was delivered of a son, a man child, who is to rule all the nations with a rod of iron: and her child was caught up unto God, and unto his throne. (6) And the woman fled into the wilderness, where she hath a place prepared of God, that there they (The Man-child) may nourish her a thousand two hundred and threescore days. The wilderness is the place that God has prepared for the Church. The very worldly Church has been living in Egypt and is in bondage to the old man, the Egyptian. (Isa.43:19) Behold, I will do a new thing (It's new because now that you are a Christian, you are expected to live according to God's principles and to walk by faith. The righteous shall live by faith.); now shall it spring forth; shall ye not know it? (I'm afraid to say that's true. An awful lot of Christians don't know it but truth is going to pour out so they will have a chance.) I will even make a way in the wilderness, and rivers in the desert. Wow! That's awesome! God even brought rivers out of rocks in the desert (Exo.17:6; Num.20:11; Psa.78:20; etc.). You see, His provision for us is not limited by our circumstances. We can put our faith in Him. (Psa.37:19) They shall not be put to shame in the time of evil; And in the days of famine they shall be satisfied. (Rom.10:11) For the scripture saith, Whosoever believeth on him shall not be put to shame. (Isa.43:20) The beasts of the field shall honor me, the jackals and the ostriches; because I give waters in the wilderness, and rivers in the desert, to give drink to my people, my chosen. The “beasts” represent those lost people around us. It was Solomon who said every man is as a beast. (Ecc.3:18) I said in my heart, [It is] because of the sons of men, that God may prove them, and that they may see that they themselves are [but as] beasts. And remember the beasts that came down on the sheet in Peter's vision? (Act.10:9) Now on the morrow, as they were on their journey, and drew nigh unto the city, Peter went up upon the housetop to pray, about the sixth hour: (10) and he became hungry, and desired to eat: but while they made ready, he fell into a trance; (11) and he beholdeth the heaven opened, and a certain vessel descending, as it were a great sheet, let down by four corners upon the earth: (12) wherein were all manner of fourfooted beasts and creeping things of the earth and birds of the heaven. (13) And there came a voice to him, Rise, Peter; kill and eat. (14) But Peter said, Not so, Lord; for I have never eaten anything that is common and unclean. (15) And a voice came unto him again the second time, What God hath cleansed, make not thou common. (16) And this was done thrice: and straightway the vessel was received up into heaven. When Peter finally understood the revelation that these unclean beasts were the Gentiles, he went and preached the Gospel to them. (28) And he said unto them, Ye yourselves know how it is an unlawful thing for a man that is a Jew to join himself or come unto one of another nation; and [yet] unto me hath God showed that I should not call any man common or unclean.... (35) but in every nation he that feareth him, and worketh righteousness, is acceptable to him. So the “beasts of the field” there in Isaiah is talking about lost people, and the “field,” according to Jesus, is the world. (Mat.13:36) Then he left the multitudes, and went into the house: and his disciples came unto him, saying, Explain unto us the parable of the tares of the field. (37) And he answered and said, He that soweth the good seed is the Son of man; (38) and the field is the world; and the good seed, these are the sons of the kingdom; and the tares are the sons of the evil one. You know, the world trembled at God's people when they came out of Egypt. Remember what Rahab said about how they heard the stories of God's miraculous deliverance of Israel out of Egypt and the Red Sea destruction of their enemies? (Jos.2:10) For we have heard how the Lord dried up the water of the Red Sea before you, when ye came out of Egypt; and what ye did unto the two kings of the Amorites, that were beyond the Jordan, unto Sihon and to Og, whom ye utterly destroyed. (11) And as soon as we had heard it, our hearts did melt, neither did there remain any more spirit in any man, because of you: for the Lord your God, he is God in heaven above, and on earth beneath. They trembled before them and when God's people become those people who live by faith in the wilderness, the world is going to tremble at them, too. They are going to understand that these people have the favor of God. They are His chosen. (Isa.43:20) The beasts of the field shall honor me, the jackals and the ostriches; because I give waters in the wilderness, and rivers in the desert, to give drink to my people, my chosen, (21) the people which I formed for myself, that they might set forth my praise. When the Israelites went into the wilderness, God didn't want them to continue living as if they were still Egyptians, so He had to put to death the Egyptians and their beasts. (Jer.17:5) Thus saith the Lord: Cursed is the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from the Lord. This is just another way of describing those people who believe in salvation by man's works, by man's methods, instead of waiting on the salvation of the Lord, which is freely given. “Cursed is the man that trusteth in man.” That's where a lot of Egyptian Israelites are. A lot of God's people, who call themselves “Christians,” actually have more affinity with Egypt in the world than they do with God in the wilderness, but God's going to put a stop to that. He's going to give “drink” to His chosen, not just His called, but His chosen. Many are going to die in the wilderness to come, but some are going to be Joshuas and Calebs. (Jer.17:5) Thus saith the Lord: Cursed is the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from the Lord. (6) For he shall be like the heath (“tumbleweed”) in the desert, and shall not see when good cometh, but shall inhabit the parched places in the wilderness, a salt land and not inhabited. Many people don't get to see the wonderful provision of God in a place where man cannot provide it because they trust in the arm of the flesh. They are like “a tumbleweed in the desert.” (7) Blessed is the man that trusteth in the Lord, and whose trust the Lord is. (8) For he shall be as a tree planted by the waters, that spreadeth out its roots by the river, and shall not fear when heat cometh, but its leaf shall be green (This is somebody who continues to take in the sun/Son, somebody who continues to walk by faith.); and shall not be careful in the year of drought, neither shall cease from yielding fruit. Those who walk by faith can go through a wilderness and have streams of water in the desert; they will have God's provision in the desert because they don't trust the arm of the flesh. (Jer.17:21) Thus saith the Lord, Take heed to yourselves, and bear no burden on the sabbath day, nor bring it in by the gates of Jerusalem; (22) neither carry forth a burden out of your houses on the sabbath day, neither do ye any work: but hallow ye the sabbath day, as I commanded your fathers. The Sabbath day is the seventh day, and we've just entered into God's Sabbath. We've just entered into the seventh day of the seven thousand years. It's the day in which we have to cease from our works, and we are to do God's works. And since Jesus Christ is God's Sabbath, whenever you've entered into Jesus Christ, you're supposed to cease from your works. We just saw that the Lord spoke a curse upon the people who continued to do their works on His Sabbath, whether it be the works of the Law, works of the flesh, or works of self-justification. God wants to be our only Savior. We have to give up trying to save ourselves; we need to be weak. We cannot be in bondage to the Egyptian in the wilderness. Well, about 50 years ago, and almost six or seven years before it actually came to pass, God started giving me, my wife, my children and even the people around me, dreams, visions and prophecies concerning a ministry that we were to have in Pensacola. Let me just share a few of them with you. A friend dreamed he had gone away from us for a few years. In the dream, he came back into our neighborhood and ran into our neighbor next door, who pointed him over toward our house. He looked over there and saw we were loading up a U-Haul to move to Florida. Then he came over and helped us load up the van. Now, in real life, we hadn't seen him in a couple of years, but suddenly he showed up at our neighbor's house. And our neighbor said to him, “ look over there!” And he looked over at our house and, sure enough, we had a U-Haul truck backed up to the door, and we were loading it up. He was overjoyed that he'd had a very literal dream that came precisely true, and he very happily came over and helped us. Another thing he saw in the dream was that I had some papers, and on those papers was a word that he couldn't remember, but he said it started with a “P.” I said to him, “Pension,” and he said, “Yes! That's the word!” Now, I had been telling people for years that Exxon, where I worked, was going to offer me an early pension. Everybody told me I was crazy, up until the time it happened, which was when he showed up. Although the pension wasn't much and I was still a young man and didn't start drawing it until I reached 65, I received a year's severance pay when I left, and it was handy to help us move. This was all gone in less than a year because we gave to every need we saw. Another time, my wife had a dream that we were moving to Florida and that there was just one solid road to Florida. This was really strange because at the time she had this dream, the interstate was still broken in many places between Pensacola and where we lived in Baton Rouge, but we knew from the dream that when we moved, the interstate would be finished. Everybody along the Gulf Coast had been waiting for years for that interstate to be finished. People were wondering, “What are they doing? Why are they dragging their feet? Why don't they go ahead and finish that thing?” Well, the interstate was finished just before we moved to Pensacola. In another dream, my wife saw us walking through a house in Pensacola, and she was holding a baby girl on her hip. But before that dream, as my wife was waking up one day, she had a dream in which she saw a big boy and a little girl. And the Lord said to her, “Justin Joseph and Jennifer Joy”; all the names started with “J.” We thought we were going to have twins, until Justin Joseph was born. I told my wife, “No, it was a big boy because the boy came first, then the little girl because the little girl comes last.” So when Jennifer Joy was born, we knew it was getting close to the time we were to be moving to Pensacola. Somehow, we knew it was going to happen. And my wife came to me and she said, “Well, David it's almost time. Do you think we ought to be saving our money?” I said, “No, I don't. I think we are going to continue to do what the Bible tells us to do and not store up on earth but, instead, keep giving.” There are awesome promises in the Bible for giving! (Luk.6:38) Give, and it shall be given unto you; good measure, pressed down, shaken together, running over, shall they give into your bosom. For with what measure ye mete it shall be measured to you again. We didn't have any money, and we definitely needed that kind of blessing to move over to Pensacola and buy a house and not be in debt because we didn't believe in being in debt. I haven't been in debt since I came to the Lord, and the Lord showed me that it wasn't right to be in debt. So by not going into debt, I got to see miracles. Also, over the last 55 years has taught me that God will do miracles for people who put their trust in Him and obey their conscience. It says in (Rom.13:8) Owe no man anything, save to love one another: for he that loveth his neighbor hath fulfilled the law. (Pro.22:7) The rich ruleth over the poor; And the borrower is servant to the lender. (Deu.15:6) For the Lord thy God will bless thee, as he promised thee: and thou shalt lend unto many nations, but thou shalt not borrow; and thou shalt rule over many nations, but they shall not rule over thee. I stayed away from debt because God had made me those promises, but later on, the thought came to me to ask, “Well, Lord, do You want me to sell my house?” The Lord answered, “No, I want you to give the house away.” I tell you, this is how we get miraculous provision from God! Give! It's not by storing up that you get miraculous provision; it's by giving that you get miraculous provision because God will multiply it to you many times over. There's no multiplication in just storing up, but if you give to the needs that God points out around you, God will give to you freely, as you give freely to others. Anyway, God told me we were going to give the house to a couple whom we knew from years back. Since we hadn't had any fellowship with them in a while and didn't even know where they were, we did a little research and found out that they lived in Houston. At the time, there was a big oil bust over there, and when I called this couple, I found out they'd had a company house and a company car but had lost them both when the oil business went flat. They just had their little car they owned, and basically no place to go and no job, so you see, God had prepared a place for them to live. When I contacted them, they told me their situation. I said, “Hey, you come live with us and we'll see how the Lord works this out,” because the Lord had already told me that I was to give our house to them. So that's what they did; they came and moved in with us. And one day, when we were taking them out to eat, the Lord reminded me of a dream this sister had years before. In the dream, she said she'd been away from this area for a long time, and when she came back, there was somebody else living in our house. At the time, I had thought it was just some people they didn't know living in our house, but suddenly it came into my mind that she did know who those people were. So as we were driving along down the road, I asked, “Remember that dream you had years ago about coming back to town and somebody else was living in our house?” She said, “Yes.” I said, “That was you, wasn't it?” And she looked at me and said, “Yes.” She didn't want to make a self-fulfilled prophecy, which is why she didn't tell me up front, and I understood that. I understand that's the way of faith. I said, “Well, okay, then the house is yours.” Of course, they both looked at me in surprise, but I told them, “I mean it: the house is yours. The Lord told me to give it to you.” Here, this couple was out of everything, wondering where in the world they were going to live, and God had prepared a place for them. They were a couple of faith, too; they had real faith in the Lord. It's just awesome how God provided for them and for us. I was still working for Exxon at the time, and we had a fantastic church out there, with people from all different religions, who were coming together at the lunch break to share the Word and to pray for the sick. We had all kinds of miracles and wondrous things happen, too. Praise the Lord! Well, as it was getting time for us to move to Pensacola, Exxon did offer early retirement to company people, exactly as I'd been telling all my friends there for six or seven years. And I already knew I was going to take it because God had prepared me. People came to me and said, “Wow, you told us this was going to happen,” and I said, “Yes, because the Lord told me!” Also, there was my brothers dream about the pension, so it was a good witness, especially to the pagans around me, because I told them it was coming, and it did come. Exxon wanted to switch over to contract labor instead of company employees, which were more expensive to them because of benefits and administrative costs. Anyway, They sent me a year's severance in a lump-sum payment, and at the same time, I agreed with our assembly there that God was going to give me a house and give me a car, since I hadn't saved any money. You see, my car was getting to the point where we needed another one in Florida. I agreed in faith that God would do this, according to (Mat.18:19) Again I say unto you, that if two of you shall agree on earth as touching anything that they shall ask, it shall be done for them of my Father who is in heaven. I knew these people weren't in any position to provide that for me, and I wouldn't have accepted it from them anyway; that's why I agreed with them. You don't agree with people as a matter of graft. You don't agree with people forcing them to have pity on you and give to you. I didn't accept any money from anybody there. One week after we agreed on that, my wife was driving down Florida Boulevard in Baton Rouge, and the vehicle in front of her was a big Cadillac. And my wife and my daughter were in our Toyota. So the Cadillac was coming to a stop behind some other cars, and my wife was coming to a stop. Now this was at Christmas time, and the man behind her was in a big Lincoln, who evidently was window shopping. He didn't see them, and he slammed into my wife and slammed her into the Cadillac in front. Well, if you put a Toyota between a Cadillac and a Lincoln, you know you're not going to have much of a Toyota left. My wife and daughter were slightly injured, nothing that the Lord couldn't take care of, but they actually had to use the jaws-of-life to pry the car open and get them out because the Toyota was just totally crumpled. The man who was driving behind her in the Lincoln ran up alongside my wife in the car, and he told her through the window, “Listen, don't worry about a thing. I'm going to take care of everything.” It turned out that this man was the president of a big warehouse corporation in Baton Rouge, and his corporation was self-insured; they made that much money, and the insurance he was carrying on his vehicle was way above the norm. The man was very repentant, and I don't even think he was a Christian, but he was very, very sorry for what he had done. He contacted us and said, “Look, we're self-insured; there's nothing to worry about. I'll talk to the people. You will be taken care of.” Can you even imagine having somebody like that running into you only a week after you have agreed on enough money to buy a house and car? They very quickly replaced our Toyota with a better, newer one, and they put the wheels in motion to give us a lump sum to take care of my wife and daughter for any pain and suffering they went through. It was just astounding! Now, we didn't sue anybody, and we weren't planning on suing anybody; we don't believe in doing such things. We believe in turning the other cheek and resisting not the evil, as Jesus tells us to do. (Mat.5:38) Ye have heard that it was said, An eye for an eye, and a tooth for a tooth: (39) but I say unto you, resist not him that is evil: but whosoever smiteth thee on thy right cheek, turn to him the other also. (40) And if any man would go to law with thee, and take away thy coat, let him have thy cloak also. (41) And whosoever shall compel thee to go one mile, go with him two. (42) Give to him that asketh thee, and from him that would borrow of thee turn not thou away. (43) Ye have heard that it was said, Thou shalt love thy neighbor, and hate thine enemy: (44) but I say unto you, love your enemies, and pray for them that persecute you; (45) that ye may be sons of your Father who is in heaven: for he maketh his sun to rise on the evil and the good, and sendeth rain on the just and the unjust. Anyway, the money came in from the accident at the exact same time that the year's severance pay came in from Exxon. It was as if God had planned the whole thing, which, of course, He had. He had planned the whole thing for us! So we paid cash for our house and new car. Then we were in our wilderness and saw many wonderous things from our God who gives grace through faith.

Send us a textWhy mess around trying to save 50p off a coffee, when you could transfer an ISA or Pension to another provider and receive a hefty bonus? In this episode, Alvar walks us through why product transfers are an important step towards securing FI. *You must do your own research when it comes to pension transfers*. Stan Storehttps://stan.store/joshuaowenmillsIf the link isn't live, please contact me for a copy.Contact Meinfo@joshuaphilip.co.ukwww.joshuaphilip.co.ukReferral Codeshttps://joshuaphilip.co.uk/links/

In today's episode Ang talks with Susan Bennett, a chartered financial planner specializing in divorce financial planning. Susan shares expert insights on the importance of financial advice during and after divorce, focusing on long-term planning for income, housing, children's expenses, and pensions. They discuss the emotional aspects of divorce finances and the benefits of having a financial neutral to help both parties reach amicable agreements. Susan also explains Advanta Wealth's specialist divorce proposition, offering fixed-price financial planning packages to help those navigating the financial challenges of divorce with empathy and clarity.   (00:00) Introduction to Susan (01:02) Financial Planning During Divorce (01:16) Guest Introduction: Susan Bennett (03:13) The Importance of Financial Advice in Divorce (07:22) Building Financial Models for Clients (19:34) The Role of Financial Neutrals (23:26) Financial Considerations During Divorce (27:00) Emotional Support in Divorce (28:36) Common Financial Mistakes in Divorce (29:54) Pension and Inheritance in Divorce (31:54) Personalized Financial Planning (34:54) Advanta's Divorce Support Services (39:02) Conclusion and Final Thoughts KEY TAKEAWAYS Early financial planning in divorce helps reduce fear and leads to better long-term outcomes.   Modeling different financial scenarios provides clarity for decisions on housing, income, and children's needs.   Pensions and future retirement funding are often overlooked but crucial to secure financial stability post-divorce.   Divorce financial advice should be empathetic and tailored to individual lifestyles and needs. BEST MOMENTS   "Fear around money was huge... what price do you put on that emotional peace of mind?"   "You don't really want your lifestyle to be compromised... everyone is completely unique."   "If everybody could get to a stage to do it amicably, life would be quite different."   "People not being open and honest makes it very difficult to get the best results for them." EPISODE LINKS Advanta Wealth on LinkedIn https://www.linkedin.com/company/advanta-wealth-ltd/ Advanta Wealth's specialist divorce proposition offering independent financial advice with fixed-price packages for divorce planning. Visit https://www.advantawealth.co.uk/services/divorce/ Susan on LinkedIn https://uk.linkedin.com/in/susanbennett3   Use the link below to sign up to the TalkingParents App. 30 Day FREE trial available alongside a completely FREE option too!   https://talkingparents.com/dirhm   If you enjoy this podcast here is the link to the book 'Do I Really H*te Men?'. It's packed with actionable and inspirational content to help you think, feel, heal and create your beautiful life that you deserve!   UK: https://www.amazon.co.uk/dp/1068789107 USA: https://www.amazon.com/dp/1068789107   Exciting news! I now have four powerful and affordable course downloads available in my Patreon Shop—starting at just £20. Each one is designed to help you take meaningful steps forward in your healing and growth journey.  

THEMA 1 – Kickl wieder da • Rundumschlag in Sommergespräch • (Wieder) Russisches Gas für Österreich? • Kickl für Pensionserhöhung • Medienstrategie der FPÖ? • Geldregen durch Sozialkürzungen? THEMA 2 - Brennpunkt Schule • 16-Jährige mit Stichverletzungen in Gymnasium • Wiederkehr: Chancenbonus für Problemschulen • Österreichs Schüler abgehängt? • Österreich: Bildung weiterhin stark vererbt THEMA 3 - Razzia bei Neonazis • Wiederholungstäter Küssel wieder unter Verdacht • Wie groß ist das Problem? • Wie konsequent ist der Staat?

What if your million-dollar retirement nest egg isn’t enough? On this episode of the Unleash Your Wealth Podcast, Raj Shah and Rick Borek break down why guaranteed income—not just savings—is the real key to financial peace of mind. They explore strategies like creating your own pension, maximizing Roth IRA conversions, and preparing for retirement without relying solely on market performance. Plus, they tackle estate planning essentials and how to avoid costly tax mistakes. It’s a must-listen for anyone serious about securing their financial future. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Tilliden til den amerikanske centralbank er under pres som aldrig før. Donald Trump har i sin anden embedsperiode intensiveret forsøgt at påvirke Federal Reserve. Målet er klart: Trump ønsker lavere renter og vil have større politisk kontrol over pengepolitikken. Men hvad sker der, når en institution, der traditionelt har været uafhængig, bliver trukket ind i det politiske maskinrum? Og hvad betyder det for markederne, investorerne og din opsparing? I dette afsnit af Ansvar for Penge ser vi nærmere på den politiske risiko, der omgiver Federal Reserve, og diskuterer de mulige konsekvenser for renter, valuta og den globale økonomiske tillid. Eksperter  - Stifter af EarlyBird Research & Education, Frank Hvid- Viceinvesteringsdirektør, Thor Schultz Christensen, VellivVært - Pressechef i Velliv, Mikkel Bro Petersen---------------------------------------------Ansvar for penge er for dig, der interesserer dig for investering.Vi giver dig indblik i, hvordan eksperterne ser på verden netop nu i et investeringsmæssigt perspektiv.Podcasten er produceret og udgivet af Velliv - Danmarks 3. største kommercielle pensionsselskab, der tilbyder pensionsordninger til både virksomheder og privatkunder.Vi har flere end 400.000 kunder og forvalter samlet set mere end 300 mia. kroner.Indholdet i podcasten er ikke investeringsrådgivning.

Le gouvernement disposait d'autres moyens pour rendre la Basic Retirement Pension soutenable », déclare Nishal Joyram by TOPFM MAURITIUS

Mit 61 Jahren wären viele schon in Pension. Christine Dornaus wollte es aber noch einmal wissen und bewarb sich für die Geschäftsführung der BIG, der Bundesimmobiliengesellschaft mit einem Vermögen von 18 Milliarden Euro. "Ich habe mich nicht mit dem Kaffeehäferl die anderen in der Abteilung besuchen und bei einem Plausch von der Arbeit abhalten sehen", sagt sie im STANDARD-Interview. Ihre Karriere hat Dornaus Einblicke ins Bankenwesen bis in die Versicherungsbranche beschert. Sie arbeitete in Brasilien und erlebte hautnah mit, wie eine Hyperinflation sich aufs Leben der Menschen auswirkt. Am Ende war es aber die Arbeit mit Immobilien, die sie am meisten faszinierte. Was sagt sie zur Krise der Immobilienbranche? Wo sieht sie einen Ausweg aus der Wirtschaftsflaute? Was hat sie in ihrer Zeit in Brasilien gelernt? Und wie hat sie sich in einer Männerdomäne durchgesetzt?

Pension à 65 ans : le Conseil des syndicats saisit l'ILO accusant le gouvernement d'avoir bafoué la convention 144, relative aux consultations tripartites by TOPFM MAURITIUS

Alla tror sig numera vara kungar, drottningar och det mer ”könsneutrala” – statsministrar, med den självklara rätten att bestämma över varenda kotte som andas inom våra gränser. Med den makten tar man sig då även självfallet rätten att spotta på medborgare som inte längre andas, och vägrar att acceptera något annat än att deras musik inte längre får lyssnas på av nya generationer. Missa inte det här programmet!  SLUTLYSSNAT ÄVEN PÅ OSS, blir faktiskt inte en verklighet på grund av censurivrarna, utan på grund av att det finns för få som stödjer oss till att producera fler program:Swish: 073 846 37 64 (Johan Widén står på numret)Meddelande: Gåva          September välkomnar vi med dessa ämnen:*Censurivrarnas utrotningsmål av svenska visor.*Ett namnbyte senare så är man inte längre den våldtäktsmannen man är.*Ska vi vänja oss vid anklagelser på jobbet om att vara knarkare?*Pensionärer ska tydligen skämmas för att ha stannat inom samma yrke.*När hjälpen gick på tok för långt.*Ingen lovsång för fler bröllop.  MEDVERKANDE:Programledare: Lelle Johansson.Gäster: Elisabeth Engman & Lennart MatikainenVI SÖKER NYA GÄSTER:VERKLIGHETSCHECKEN@GMAIL.COMFörra programmet:PER GESSLE I JÄMSTÄLLDHETSPOLISENS SIKTEhttps://www.spreaker.com/episode/per-gessle-i-jamstalldhetspolisens-sikte--67559452 Alla program: https://www.spreaker.com/show/verklighetscheckenNÄSTA NYA PROGRAM: Lördagen den 13 September 2025.Du hittar även Verklighetschecken här:PODDTOPPEN:https://poddtoppen.se/podcast/1516623687/verklighetscheckenSPOTIFY:https://open.spotify.com/show/3Lvy0LS8zfffv7ad60LwqoRUMBLEhttps://rumble.com/c/c-2636134iTUNES:https://podcasts.apple.com/us/podcast/verklighetschecken/id1516623687?uo=4VECKANS TIPS       LELLEGORGOROTH – Blood stains the circle https://www.youtube.com/watch?v=Z7EbSSLba-M  ELISABETHLesley Gore - You Don't Own Me https://www.youtube.com/watch?v=JDUjeR01wnU  LENNARTLennart på Youtube https://youtube.com/@lennart_matikainen?si=HrPqerVaF_ybDd7L

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The EFF is calling for visible law enforcement against companies who continue to deduct worker contributions for pension, provident fund and health benefits but fail to pay these over to the Private Security Sector Provident Fund. This follows findings by the Financial Sector Conduct Authority which revealed last year that more than three-thousand private security companies and municipalities risked the future of 300-thousand security guards by not paying their contributions. We spoke to EFF spokesperson Sinawo Tambo

Marty Neville discusses the evolving landscape of retirement planning, particularly focusing on Generation X as they prepare for retirement. He emphasizes the importance of having a comprehensive plan that includes health care costs, income strategies, and the transition from accumulation to de-accumulation. The discussion also touches on the significance of timing in retirement, the necessity of a spending plan, and the need to keep money working for you even after retirement. Marty addresses common concerns about Social Security and the importance of staying active and engaged in retirement life. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Kelley Slaught discusses the importance of giving while living, exploring how retirees can share their wealth joyfully and strategically. The conversation transitions into the bucket strategy for income generation, emphasizing the need for a diversified approach to retirement planning. Kelley also revisits the 4% rule for retirement withdrawals, questioning its relevance in today's financial landscape. The episode concludes with listener questions, addressing various financial strategies and tax-saving opportunities. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

With Ireland's Auto Enrolment pension scheme due to launch in January 2026, Campion Insurance is warning that many employers are dangerously underprepared. Payroll errors, compliance risks, and employee confusion are looming unless businesses act now. To discuss this further, Alan Morrissey was joined by Ivan Dunne, Head of Financial Services at Campion Insurance. The yawning gap in the pension provision between men and women has been exposed. The average Irish woman's pension pot is a “staggering” 40pc less than men's. An average pension pot for a man in Ireland is €102,000. But it is only €60,500 for women, according to research by the Irish-owned network of financial advisers Ask Acorn. Also joining Alan on Thursday's Morning Focus is Hilary Tonge, Former Social Democrats General Election Candidate. PHOTO CREDIT: Picture (c) ADragan from Getty Images via Canva.com News

Pensions : when should you set them up, and how much should you be saving?Joining Kieran to discuss and give his best advice is Financial Adviser, Padraic Kissane.

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, … 09/06/25 – HERO’S Talk Radio Read More » The post 09/06/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

What if you’re more ready to retire than you think? In this episode, Damon Roberts and Matt Deaton share real stories of clients who discovered they could retire earlier—once they had a plan. From reducing stress and blood pressure to reclaiming freedom, they explore how financial planning transforms lives. Learn how to mimic your paycheck in retirement, maximize income streams, and why both spouses should be part of the conversation. Plus, hear what sets their approach apart from big-box firms. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

This evening, we dive into market movements with Exness, we speak to Shoprite and Motus CEOs about their respective results, Outa shares insights into the suspension of the Government Pensions Administration Agency following transaction irregularities and questionable contracts, Momentum Wealth walks us through the tax implications of various types of annuities, and we hear from TransBridj on how digital transformation is reshaping the property landscape. SAfm Market Update - Podcasts and live stream

Julius Kleynhans – Executive Manager: Support Services, Outa SAfm Market Update - Podcasts and live stream

School secretaries in Clare claim they feel “dismissed” by the Department of Education as they join their colleagues nationwide in industrial action today. It's the first day of indefinite strike action by school secretaries and caretakers amid a long-running row over access to the public sector pension scheme. As children and their teachers across the country filed through the school gates this morning after the summer break, secretaries and caretakers remained outside with placards raised. The Fórsa trade union, which represents school secretaries and caretakers, confirmed yesterday evening that after talks at the Workplace Relations Commission failed to reach a resolution, indefinite industrial action would begin this morning. The dispute centres around the access that teachers and other Department of Education employees have to public sector pensions and other entitlements; access that isn't enjoyed by secretaries and caretakers. Parents dropping their children off at Scariff Central National School this morning could see the words ‘Pension parity now' written on signs being held aloft by those engaging in the strike action. School secretary Maureen Kelly says the Department's failure to address the issue over the summer months makes those affected feel “dismissed”. Over 2,600 secretaries and caretakers are striking today which is believed to affect more than 2,000 schools. A protest is also being held at the Department of Public Expenditure building in Dublin. The Department of Education says it has “made progress in improving the terms and conditions of school secretaries” in recent years. This, it says, has included “secretaries being placed on the payroll of the department and linked to any increases in pay under public sector agreements, improved annual leave entitlements, improved maternity provisions and paid sick leave in excess of the statutory requirement”. Fórsa claims the industrial action will continue until talks with the Department of Education begin. Secretary at Killaloe Boys National School, Carol Oakley, says she'd like to retire from her job knowing she has some security for the future.

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, … 08/30/25 – HERO’S Talk Radio Read More » The post 08/30/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

US President Donald Trump said he was firing Federal Reserve governor Lisa Cook, shares in Ørsted plunged after the Trump administration halted one of the Danish wind farm developer's almost-completed projects, and Elon Musk's xAI has sued Apple and OpenAI alleging they broke antitrust rules. Plus, Germany's government is encouraging young people to invest in the stock market rather than rely on the country's flailing pension programme. Mentioned in this podcast:Trump says he is firing Fed governor Lisa Cook ‘effective immediately'Musk's xAI sues Apple and OpenAI over ChatGPT and iPhone integrationGermany's pensions crisis: can €10 a month change how people invest?Ørsted shares plunge to record low after US government halts projectToday's FT News Briefing was produced by Sonja Hutson and Marc Filippino. Additional help from Blake Maples and Gavin Kallmann. The FT's acting co-head of audio is Topher Forhecz. The show's theme music is by Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Stephen Grootes speaks to Sikonathi Mantshantsha, Journalist at News24 Investigations, about the suspension of GPAA CEO Kedibone Madiehe amid allegations of procurement misconduct and the appointment of Job Stadi Mngomezulu as acting CEO to ensure continuity and stability in the administration of government pensions. In other interviews, Warren Ingram, Co-Founder of Galileo Capital, talks about navigating the complexities of retirement planning, particularly the crucial decision of choosing between a variable income and a guaranteed income for life from retirement investments. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702702 on TikTok: https://www.tiktok.com/@talkradio702702 on Instagram: https://www.instagram.com/talkradio702/702 on X: https://x.com/CapeTalk702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/Radio702CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

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With different pension options to choose from, we're not sure which one to pick for my husband. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Discover what the retirement age should be, according to surveys. My earlier podcast to calculate how much you need to retire is here. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

- U.S. and EU Could Share Auto Regs - Why Global Auto Regs Have Never Happened - Porsche Dumps Plans to Make Batteries - Mercedes Pension Dumps Nissan Stock - Tesla Goes with DeepSeek In China, Not Grok - Renault Refresh of The Kiger - Ram Returns to NASCAR Truck Series, Can Cup Be Far Behind? - Waymo Starts Testing in NYC - Audi Refresh of The Q3 - Audi Drops Lower Trims of A7  - Autoline Poll on Future of EV Startups

- U.S. and EU Could Share Auto Regs - Why Global Auto Regs Have Never Happened - Porsche Dumps Plans to Make Batteries - Mercedes Pension Dumps Nissan Stock - Tesla Goes with DeepSeek In China, Not Grok - Renault Refresh of The Kiger - Ram Returns to NASCAR Truck Series, Can Cup Be Far Behind? - Waymo Starts Testing in NYC - Audi Refresh of The Q3 - Audi Drops Lower Trims of A7  - Autoline Poll on Future of EV Startups

In our last podcast, we celebrated Fran's incredible achievement of amassing a €2 million pension pot through decades of disciplined saving and investing. Some who read it were inspired, some were envious, and others said "I don't bloody need €2m pension pot"! Today, we're asking a different question entirely: Do I actually need a €2 million pension pot to retire comfortably? And you'll see why I suggest the following are appropriate pension pots to fund a 'comfortable' retirement lifestyle; c€500k if you plan to retire in your mid 60's c€1m if you would like to retire in your mid 50's ‍These may seem like a luxury questions, but are the most important aspects in our retirement planning in Ireland. Because here's the truth: knowing how much you need to spend in retirement is key to knowing how much you need to save for your pension pot Ireland. Disclaimer: Seek professional advice before taking any course of action.

#268: In den 1990er-Jahren erschüttert ein Fall ganz Deutschland. 25 Menschen stehen wegen schwerem Kindesmissbrauch vor Gericht. Weil es so viele Angeklagte gibt, werden die Verfahren aufgeteilt. Drei Prozesse entstehen, die als die „Wormser Prozesse“ in die deutsche Rechtsgeschichte eingehen – und sie bis heute prägen. Für die Recherche haben wir mit dem damals Vorsitzenden Richter zweier dieser Verfahren gesprochen. In einem Gerichtssaal des Landgerichts Mainz haben wir Richter Hans Eberhard Lorenz getroffen. Er ist mittlerweile in Pension, ist aber extra für diesen Anlass zurückgekehrt. Gemeinsam mit Richter Lorenz sprechen wir über den Anfangsverdacht, die Rolle einer Kinderschutzbeauftragten, die Arbeit zweier Ärzte, die Aussagen der Kinder und neue Gutachten. Wir tauchen ein in aufgeheiztes Klima aus Misstrauen, Vorwürfen, Fehlern und verfolgen Richter Lorenz bei der Suche nach der Wahrheit. Denn die liegt woanders, als zuerst geglaubt. Eine Produktion von Auf Ex Productions. Hosts: Leonie Bartsch, Linn Schütze Recherche: Aylin Mercan Redaktion: Antonia Fischer Produktion: Antonia Bolln, Lorenz Schütze Interviewpartner: Hans Eberhart Lorenz Mehr Informationen, Bilder und Videos zum Fall findet ihr auf Social Media unter @mordaufexpodcast Quellen (Auswahl) Liveinterview mit Richter Lorenz ZDF-Doku "Der Skandal um die "Wormser Prozesse"" Arte-Doku "Verdacht: Kindesmissbrauch - Der Justizskandal von Worms" stern-Ausgabe 33/1997 Artikel [DER SPIEGEL](https://www.spiegel.de/politik/ausgestanden-ist-die-sache-nicht-a-45fb1ec9-0002-0001-0000-000039523432) Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/MordaufEx Du möchtest Werbung in diesem Podcast schalten? Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio: https://www.seven.one/portfolio/sevenone-audio

At the EUVC Summit 2025, Kerry Baldwin (IQ Capital) and Chris Elphick led one of the most urgent conversations of the year:Can Europe mobilize its pension capital to fund innovation—or will it stay stuck on the sidelines?With £1 trillion expected to be funneled into innovation, growth, and venture by 2030, the opportunity is massive. But unlocking it will take more than speeches and slogans. It will take structures, translation, and a whole lot of education.Chris opened by setting the context:In July 2023, 10 of the UK's largest pension funds agreed to invest 5% of assets into unlisted equities—representing £5 billion of fresh capital.That capital is (unsurprisingly) biased toward private equity. But the real win?Getting a meaningful slice of it into venture.We now have the technical tools to do it:The introduction of Long-Term Asset Funds (LTAFs)—with 27 launched to date—means the legal infrastructure is in place.Regulatory shifts have opened the door. Now it's time to walk through it.“The pipes are built. Now we need to make the case.”As Kerry pointed out, it's not just about access—it's about alignment.“The pension world doesn't speak venture. It speaks in valuations, risk ratings, board approvals, and actuarial models.”To bridge the gap:Ditch the pitch decks. Instead, build relationships.Use case studies. Show, don't just tell.Speak their language. Get founders in the room. Educate through stories and real-world examples.And yes, explain your fees—transparently.→ “We charge fees because we hunt. We engage with professors. We run deep knowledge sessions. That's where the value lives.”Kerry closed with a critical reminder from someone who's seen the cycles before—2001, 2009, and now:“Just play nicely.”→ That means fair terms.→ Respecting early-stage angels.→ Not forcing founder-unfriendly clauses when capital is tight.Venture doesn't work when trust is broken at the seed layer.The prize is on the table. The pipes are laid. The policymakers are listening.Now it's up to us—as GPs, founders, LPs, and ecosystem builders—to:Make venture legibleBuild long-term trustAnd design financial vehicles that serve founders, fuel returns, and unlock national innovation agendas“Let's stop waiting for the future to finance itself. Let's build the financial architecture to fund it now.”The Landscape: Shifting Regulations, Real PotentialThe Real Bottleneck? Language & UnderstandingA Word of Warning: Don't Harm the EcosystemA Trillion-Pound Opportunity—If We Get This Right

In dieser Folge von Ganz Offen Gesagt spricht Anna-Lisa Bier mit Christine Mayrhuber. Sie ist Ökonomin, stellvertretende Direktorin des WIFO und Vorsitzende der Alterssicherungskommission. Gemeinsam werfen sie einen Blick auf die Zukunft des österreichischen Pensionssystems und besprechen, wie sich die Alterssicherung verändern muss, damit sie auch für kommende Generationen tragfähig bleibt.Mayrhuber erklärt, warum das Pensionssystem unter Reformdruck steht, welche Auswirkungen aktuelle Sparpläne und Antrittsaltersdebatten haben, und warum besonders Frauen von Altersarmut betroffen sind. Es geht um strukturelle Ungleichheiten, politische Versäumnisse und die Frage, was junge Menschen heute realistisch von ihrer Pension und dem System erwarten können. 

On this week's episode, Sarah wonders if it's worth putting into your pension pot anymore as new government policies promise to make your golden years anything but. While Peter would like to ask why does nobody likes appeasement until it suits them? Not that Sarah can help with that, she's one of life's great appeasers. Elsewhere, all things considered, Peter would rather be a rich Edwardian, Sarah misses Swansea and one of our presenters gives a spirited rendition of the rallying cry of fans of the Arkansas Razorbacks. It's quite something.On our reading and watch list this week: · A Pocket Full Of Rye - Agatha Christie· The Lie - Agatha Christie (Drama on 4)· The Nine Tailors – Dorothy L Sayers· The Sign Of The Four – Sir Arthur Conan Doyle· Tales Of The Unexpected - Now TVPlease do get in touch, email: alas@mailonline.co.uk, you can leave a comment on Spotify or even send us a voice note on Whatsapp – on 07796 657512, start your message with the word ‘alas'.Presenters: Sarah Vine & Peter HitchensProducer: Philip WildingEditor: Chelsey MooreProduction Manager: Vittoria CecchiniExecutive Producer: Jamie EastA Daily Mail production. Seriously Popular Hosted on Acast. See acast.com/privacy for more 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.

  Today, we're diving into the real-life(ish) story of Fran – a regular guy who built a €2 million+ pension pot and retired at 55. No big lotto win. No magic investment hacks. Just smart use of Ireland's pension system, discipline, and a few skipped car upgrades! Fran started young, contributed consistently, and maximised every bit of tax relief and employer matching he could get his hands on. He invested for growth, kept his cool through market crashes, and stuck to the plan. Over 30 years, a €350,000 net contribution turned into a €2 million pension pot. We walk through: • Exactly how Fran built that pot • How he drew income tax-efficiently from 55 onwards • How he used the ARF to stay flexible and keep control • And how he left a legacy worth millions – without giving half of it to Revenue If you're working in Ireland and want financial independence on your own terms, Fran's journey is a blueprint worth paying attention to. No fluff, no jargon – just a straight-talking guide to building your future wealth and freedom. Let's dive in and see what we can learn from Fran's €2M success story. I hope it helps. 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

When the gunpowder settled and the flags were folded, Revolutionary War soldiers had to return to lives that often looked nothing like the ones they'd left behind. For many veterans, survival during the war had been only half the battle. The other half was trying to get what was promised to them once peace had been declared. That's where the pension system came in — slowly, imperfectly, and full of red tape. But for family historians like us, those old paper trails can be a gift. Podcast Notes: https://ancestralfindings.com/revolutionary-war-pension-records/ Ancestral Findings Podcast: https://ancestralfindings.com/podcast This Week's Free Genealogy Lookups: https://ancestralfindings.com/lookups Genealogy Giveaway: https://ancestralfindings.com/giveaway Genealogy eBooks: https://ancestralfindings.com/ebooks Follow Along: https://www.facebook.com/AncestralFindings https://www.instagram.com/ancestralfindings https://www.youtube.com/ancestralfindings Support Ancestral Findings: https://ancestralfindings.com/support https://ancestralfindings.com/paypal  #Genealogy #AncestralFindings #GenealogyClips

In this episode of the All Things Sustainable podcast we bring you the latest in our special series featuring major pension funds around the world.     We sit down with Shahida Jaffar, Head of Corporate Sustainability at Malaysia's Employees Provident Fund (EPF). EPF was established in 1951 to safeguard the retirement future of the Malaysian workforce; it reported about 1.31 trillion Malaysian ringgit (US$310 billion) in total investment assets and more than 16 million members as of June 30, 2025.  In the interview, Shahida explains EPF's evolving sustainable investment strategy; the role nature plays in the organization's approach to sustainability; and how the pension fund balances priorities — like the need for returns, net-zero commitments and ensuring that the energy transition is just.   “In the market right now, there's polarization in terms of those who are pursuing sustainability even stronger and those who are pulling back,” Shahida tells us.   “In the case of EPF, we're doubling down.”  Read research from S&P Global Sustainable1 about companies' nature risks and dependencies: How the world's largest companies depend on nature and biodiversity | S&P Global  Learn about S&P Global Sustainable1's Nature & Biodiversity dataset.  Listen to our podcast interview with Norges Bank Investment Management (NBIM): Why the world's largest asset owner is leaning into ESG | S&P Global  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.   Copyright ©2025 by S&P Global      DISCLAIMER     By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.      Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).      This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.      S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. 

"Rubble and Skye" in Minnesota want to spend $65,000 a year in retirement, and they'll have $67K in annual fixed income. Are they cutting it too close? "Atouk and Tala" in New Jersey will have retirement money, Social Security, and “Lumpy,” their lump sum pension - will they be okay? We'll find out today on Your Money, Your Wealth® podcast number 542 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, should David in Redondo Beach California use his Roth money to buy a home? And what do the fellas think about "Charlie Pepper" in Colorado using a home equity line of credit (HELOC) for retirement spending, instead of living off of pre-tax money? Free financial resources & episode transcript: https://bit.ly/ymyw-542 DOWNLOAD the Investing Basics Guide WATCH Financial Boot Camp on YMYW TV COMPLETE the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 00:43 - $250K Saved, $67K Fixed Income, $65K Spending. Are We Cutting Retirement Too Close? (Rubble & Sky, MN) 05:20 - We Have a $700K Pension, $335K Retirement, Plus Social Security. Will We Be OK? (Atouk and Tala, NJ) 13:14 - Watch Financial Boot Camp on YMYW TV, Download the Investing Basics Guide 14:03 - Should I Use My Roth Money for a Home Purchase? (David, Redondo Beach, CA) 21:03 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 22:01 - HELOC vs. Pre-Tax Account for Retirement Spending (Charlie Pepper, CO) 34:23 - Next Week on YMYW Podcast: Guest Co-Host Marc Horner, CFP® 34:53 - YMYW Podcast Outro

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the most common and important financial decisions in pension and retirement planning—whether to take a pension annuity or lump sum. They explain how this decision can impact your overall retirement income planning, legacy goals, tax strategy, and long-term financial flexibility. This isn't a one-size-fits-all answer, and they dive into the detailed considerations that retirees should think through.Listen in to learn about the pros and cons of pension payout options, such as taking a monthly pension annuity with survivor benefits or opting for a lump sum pension that can be rolled into an IRA. You'll also hear real-life examples of clients who made different decisions based on their financial situations, including tax strategies like Roth conversions and opportunities for guaranteed retirement income outside of the company plan. If you're asking, "Should I take a pension lump sum or income stream?" this episode is essential to retiring comfortably.In this episode, find out:Key differences between a pension annuity and a lump sum.How to leverage a pension rollover to IRA for flexibility and tax advantages.The role of spousal coverage and legacy planning in pension decisions.Risk and reward considerations for managing pension in retirement.How to evaluate which option supports your personalized retirement checklist.Tweetable Quotes:"There's no one-size-fits-all when it comes to pensions—your decision must be based on your entire retirement picture." – Murs Tariq"Pension choices affect your income, taxes, and legacy—we help people analyze their options to secure their retirement." – Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

The Mincing Rascals this week are Jon Hansen of WGN Radio and Block Club Chicago, longtime Chicago journalist Cate Plys, and Austin Berg of the Illinois Policy Institute. Our small, but mighty podcast crew start the episode talking about Texas lawmakers coming to Illinois to avoid voting on a new legislative map that would favor the GOP. Governor Pritzker even went […]

Pam and Jim in Phoenix are 38 and 41 and want to retire at 59 and 62. Matt and his wife in Pennsylvania are both 39 and want to retire at 57. Are these millennials on the right financial path, or have they brunched and YOLO'd away their retirement dreams? That's today on Your Money, Your Wealth® podcast number 541 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, do Roth conversions make sense for Will and Jane in New York, given their high income and high tax bracket? Which pension option is best for their circumstances? Finally, the fellas spitball for Juan's mother in Florida on how long-term capital gains on the installment sale of her company will be taxed. Free financial resources & episode transcript: https://bit.ly/ymyw-541 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! LIMITED TIME OFFER: Download The Money Makeover Guide before this Friday, August 8, 2025! WATCH Complete Money Makeover on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 00:44 - We're Millennials. Have We Brunched and YOLO'd Away Our Retirement Dreams? (Pam & Jim, Phoenix, AZ) 12:10 - We're 39 With $840K. Can We Retire at Age 57? (Matt, PA) 22:57 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 23:53 - Do Roth Conversions Make Sense Given Our High Income and Tax Bracket? What Pension Option is Best? (Will and Jane, NY - voice) 37:04 - Watch Complete Money Makeover on YMYW TV, Download the Complete Money Makeover Guide before Friday, August 8, 2025! 37:46 - How Will Long Term Capital Gains on the Installment Sale of My Company Be Taxed? (Juan's Mother, FL) 47:50 - YMYW Podcast Outro